Episode Transcript
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Speaker 1 (00:00):
Eight thirty two thirteen ten Wi b A and ask
the experts. Brought to you by Rockrealty Online. Rock Wisconsin
dot com. That's ro c k with Wisconsin dot com.
Great website and resource to learn more about Rockrealty. Of course,
the telephone number six so eight six seven three fifty
four hundred. That's six h eight six seven three fifty
four hundred. Joined in studio this morning. I'm mister Matt Heyman,
(00:22):
a Rockrealty Matt. How you doing this week?
Speaker 2 (00:24):
Doing good?
Speaker 3 (00:24):
How are you?
Speaker 1 (00:24):
I'm doing really well. We've got a lot of stuff
to cover. We've got a guest in studio, will introduce
in just a moment. But first and foremost featured listing.
A beautiful home KENL Moraine Drive. A fantastic home as
a matter of fact, right right in kemel O Rain
Drive in Whitewater, which is a fantastic area. I was
(00:46):
just in Whitewater over this past weekend for a bit
fun area. Three bedroom, three bath, this scot it really
got it all at four seventy five.
Speaker 2 (00:55):
Matt.
Speaker 1 (00:55):
It's a really nice listing. Yeah it is.
Speaker 4 (00:57):
It's got a lot of curve appeal too, Brick. It's
got you know, open concept inside that.
Speaker 2 (01:04):
I really like.
Speaker 4 (01:05):
You know, some wood floors and yeah that kitchen, I
don't know if you had a chance to look at it,
but uh, yeah, we got painted cabinets. Really it's just
very modern looking, very open and spacious like a lot.
Speaker 1 (01:17):
Oh that is absolutely fantastic. And again right in Whitewater
on Kettle Moraine Drive at north seventy eight eleven Kettle
Moraine Drive and Whitewater. Ashley is the featured agent, the
listing agent on that one. And of course you can
give Ashley a call nine two zero five five nine
thirteen thirty four. That's nine two zero five five nine
one three three four And with this, uh, with this
(01:40):
feature listing this week, Matt. As I look, I see
some see some nice trees and some other You're in
a nice little neighborhood, a little just kind of.
Speaker 4 (01:48):
Like a country setting. I mean it even has a
deeded access to to Rice Lake.
Speaker 1 (01:52):
What I didn't see that I did not see serious five.
Speaker 4 (01:56):
Bedrooms, so oh washing you know it can be your
crap shop. You can do a little workout room.
Speaker 1 (02:02):
Oh what that is absolutely fantastic. Again, great time to
give Ashley a call, say I want to check out
this house in Whitewater again, five bedrooms, three bath, twenty
three hundred square feet for just four hundred and seventy
five thousand. Dashley giver her a call this morning. Nine
two zero five five nine thirteen thirty four. That's stick.
(02:24):
Nine two zero five five nine thirteen thirty four. We'll
talk a little bit more on our featured listening coming
up a little bit later on in the program. And Matt,
you brought friends along this week or a friend in particular.
Voice that's familiar to folks on this station, Charles Bush.
Speaker 4 (02:40):
Charles Bush, Evolve Insurance Solutions been on one other time,
but we got them in studio today.
Speaker 1 (02:46):
Charles, welcome back to the program.
Speaker 2 (02:48):
Thanks for having me back on.
Speaker 1 (02:50):
It's really good to see you. And we've got we're
going to talk about homeowner's insurance, what it is, why
it's needed, other aspects of it, add things you can add.
I'm like flood insurance, a lot of things. But before
we get to that, just kind of an overall view
of Evolve the insurance agency and what you guys do
at Evolve Insurance Solutions, and for folks that may not
(03:10):
be familiar with you, let's talk a little bit about
your background and a little bit about the business.
Speaker 2 (03:14):
Sure. Yeah.
Speaker 3 (03:15):
Evolve Insurance Solutions is one hundred percent veteran owned independent
insurance agency. We partner with several different highly rated insurance
companies to basically shop through and find you the best option.
Speaker 2 (03:28):
So we found just having a.
Speaker 3 (03:30):
Variety of carriers to fit the different needs definitely is helpful,
especially in this hard insurance market that we've been in
for quite some time now.
Speaker 1 (03:37):
Is that would that be like a broker? Is that
the term that am?
Speaker 2 (03:39):
I think it's on the different phone brokers?
Speaker 1 (03:41):
Ok?
Speaker 2 (03:41):
Yeah, that would be an accurate description.
Speaker 3 (03:43):
And like we basically work with seventeen direct companies for
personal lines and then over forty.
Speaker 2 (03:49):
For commercial lines.
Speaker 3 (03:50):
So very helpful, especially when you're trying to find a
good program for you know, the different clients or you
know whatever it ends up being.
Speaker 1 (04:00):
So and folks can for example, you know, you think
of like an insurance agent, they work for an insurance
company and they're going to sell that particular company's product.
Working with you at Evolve Insurance Solutions, Charles, you're able
to kind of shop around and look for am I
Am I understanding that correctly? Yeah?
Speaker 3 (04:18):
And that's you know, that's super important right now in
this hard market because there's some carriers that are.
Speaker 2 (04:23):
Really increasing premiums.
Speaker 3 (04:26):
I just ran into one the other day with a
captive company that just sells kind of like what you're
talking about. And I won't say the company, but they
just sell that company, and the home home policy was
like forty three hundred dollars a year for you know,
five six.
Speaker 2 (04:39):
Hundred thousand covered. So that is, you know, that's insane.
Speaker 3 (04:43):
And what we can do is we can shop that
out see if there's anybody else out there that's more competitive.
We're also seeing a lot with wind hail deductibles being
kind of high, and so finding you know, ones that
you know can be a good fit. Not having an
eight nine, ten thousand dollars whin hail deductible can also
be helpful fuying something a little bit lower, like a
(05:03):
thousand or twenty five hundred.
Speaker 1 (05:04):
I'm down in Edgerton and the song of the summer's
been contractor hammers putting new roofs on on homes. And
I can't imagine the insurance companies right now the types
of checks that they're writing, but I do know that
that's substantial and we'll talk to about as we have
Charles Bush and studio with us this morning, talk a
little bit about for homeowners and people prospective homeowners what
(05:27):
they need to know and Matt I talk about and
one of the great things but getting a chance to
talk with you each and every week, is you've got
a network of people that you work closely with, obviously
other agents at Rock Realty internally, but also outside. We've
had some really great folks that you brought in that
you partner with quite a bit at Rock Realty, and
that says a lot is having a relationship with for example,
(05:48):
as we're talking this morning with Charles, having a relationship
with somebody in the insurance side of things can really
help especially I think it like first time home buyers
can really help them build a relationship that it was
someone that they trust a little bit of background.
Speaker 4 (06:01):
Yeah, definitely. I mean when you've been in real estate
for twenty plus years and you know you've tried out
many other people in any companies, you know you find
the best ones. And we're really happy to be partnered
with Charles. We've you know, all of our clients tend
to get the better coverage and actually pay less for it.
So whenever you can, you know, find that combination and
(06:23):
have the flexibility. Even myself, you know, we've we've switched
carriers ourselves through Charles, right because he's always finding you know,
who's offering the best rates and the best coverage at
the current time. And with the insurance market changing so
much recently, it's really important that you have someone that's
actively looking for you.
Speaker 1 (06:40):
With with with if you're buying a home, do you
need and I'll start with you, Matt, and then we'll
go over to Charles. Do you absolutely need insurance on
a new home? I know obviously you should, but do
you have.
Speaker 4 (06:51):
If if you're buying in cash, you do not have
to have an insurance policy. However, if you have any
sort of financing involved, the lender is going to want
to make sure that they have that multiple hundreds of
thousands of dollars insured. Yeah, so that it just doesn't
get wiped off the map on them. Yes.
Speaker 1 (07:08):
And Charles, do you work with a lot of first
time home buyers, other folks that have questions? You know,
folks that that may not I know most purchases involved
some type of mortgage. I'm guessing you work with a
lot of those folks and helping them find those things.
What's that like? That experience like for especially for a
first time home buyer, kind of walking them through that
how insurance and homeowner insurance works. It's got to be
(07:28):
a great experience for you.
Speaker 2 (07:30):
Oh yeah, we love it. You know.
Speaker 3 (07:31):
We get to go through a lot of you know,
new home buyers. They don't know what they don't know,
so we get to go through and set them up
the right way, go through what's important to them, what
they want for coverage. Not everybody's the same when it
comes to coverage, some you know, and not every home
is the same, you know, so we can set up
a time to go through, customize and really find, you know,
(07:54):
a fantastic fit for the new home buyer. The nice
thing too, is we can really explain what everything covers, so,
you know, should there be a loss, so they kind
of have that piece of mind knowing, hey, I remember
buying this writer for this coverage and I'm protected. So
that's you know, when the rubber meets the road, do
you have the coverage you need?
Speaker 1 (08:12):
Is that something that people should maybe spend a little
more time on. I feel like a lot of times,
and the reality is that we're all looking to save
a little bit of money. But it seems like people
are just like my, my, the bank that has my mortgage,
this is what they require for for my insurance, and
they just kind of stop. There is this something that
that there's a great value to maybe looking at other
(08:34):
additional coverages or fully understanding what that coverage is that
that you're that you're paying for, oh one.
Speaker 3 (08:40):
Hundred percent and and you know a lot of folks
in the Edgutate and Evantil area, yea kid probably attests
to this with all the hail and the massive hailstorm
that we had. Not every insurance policy is built the
same way. Some you know, have ACV endorsements on the
roof coverage. Some have one percent wind hail deductibles.
Speaker 1 (08:58):
Uh.
Speaker 3 (08:59):
Some you know, I really paid for the good coverage,
still have a matching endorsement that actually covers the undamaged
part of the roof or siding.
Speaker 2 (09:06):
So you know, it can.
Speaker 3 (09:08):
Really make a claim goal a lot easier when you
have better coverage built in and you're not fighting back
and forth with the insurance company.
Speaker 4 (09:16):
I will say that, Yeah, Charles Charles has certain terms
that he'll mention yes, thank you. So the neat thing
is Charles can explain kind of, you know, the layman's
terms as well. And you know, especially in the hail thing,
he had just described these different things to me as like,
you know, what what does it mean when it's percentage?
What does it mean when it's ACV. So what's the
difference between those two again.
Speaker 2 (09:36):
Charles sure?
Speaker 3 (09:37):
So what actual ACV or actual cash value stands for.
Is it going to give you a depreciated payout. So
if you have a fifteen or twenty year old roof,
you're probably not going to get much of a payout.
Speaker 2 (09:48):
Now, if you had replacement costs on.
Speaker 3 (09:50):
That roof, they would pay to replace the roof, so
you got to watch out for that. A lot of
companies are just going flat out actual cash value or ACV.
Some are going to some sort of what's called a
payment schedule, which is similar to actual catch value, but
they do look at the age of the roof and
they decide, hey, at this age, this is.
Speaker 2 (10:10):
The percentage payout that we will do for this, you know.
Speaker 3 (10:14):
So it's important to know what you have in that
way too, you can plan for the future. If you
know you can't get replacement cost coverage, maybe you should
start budgeting roof replacement in the next five.
Speaker 2 (10:24):
Or ten years.
Speaker 1 (10:25):
A friend of mine down the road, they are I
think it's about twenty thousand dollars out of pocket that
they're paying to replace their roof is a fifteen twelve
years old and it's the insurance isn't isn't covering And
one of those, as you point out, Charles, one of
those questions you should probably be aware of before you've
got to write that check, save yourself that frustration. Another
term you used endorsements. What is an endorsement in the
(10:49):
insurance industry?
Speaker 3 (10:50):
So typically an endorsement is going to add or take
away coverage. Most of the time it adds coverage. Most
policies come kind of basic, and then you endorse on
the different types of coverages that you want to have.
There's a lot of really cool endorsements out there these days.
So I would say you should review your insurance if
you haven't done it in the last four or five years,
you'd be kind of surprised some of the coverages that
(11:11):
are out there, and maybe even some of the changes
that have happened to your policy, whether it's wind, hail, deductibles,
ACV endorsements, actual cash value endorsements where you're getting it,
to appreciate it, payout should there be a claim for
wind or hail on your roof super important, just to
know what you have should it claim it?
Speaker 1 (11:30):
Curve talking this morning with Charles Buysch and of course
Matt Heiman. Of course, Matt comes to us from Rockrealty
Online Rock Wisconsin dot com. That's roz k Wisconsin dot com.
Charles comes to us from Evolve Insurance Solutions. There tel
for number six So eight two zero three six four
six four five four is is their number? Is that
(11:51):
the best number to reach you? Gett't that look there?
Speaker 2 (11:53):
That's actually my cell but that is for you as well.
Speaker 1 (11:57):
That's the perfect numbers. What's the best for folks that
are looking to reach the office. What's the best way
to reach you? Charles?
Speaker 3 (12:03):
That number is six eight six eight eight eight six
six seven and then just hit option one and we
get the first available agent.
Speaker 1 (12:12):
Oh beautiful website too. I haven't had a chance to
ask you. Of course, everybody's online these days.
Speaker 3 (12:17):
Oh absolutely, so that's sometimes a better way and more
streamlined way to requests a quote. It's www dot EI
s WI dot com again www dot EI s WI
dot com and then you can just click on requests
to quote. We streamline it. We try to turn around them,
(12:38):
you know, as quick as we can.
Speaker 1 (12:39):
What as you were mentioning earlier, actual cash value talked
about replacement cost value. I did see a note here
all about guaranteed or extended replacement cost. What are we
talking there? Where's that world come into play?
Speaker 3 (12:53):
Sure, so every policy should also have some kind of
extended replacement cost in it, meaning you should elect for
it because you never know what's going to happen. What
that does is a build a buffer in with inflation,
which we've all kind of seen hit across the economy,
increased costs of things coming in, whether it's imported from
(13:15):
different countries, and maybe tariffs are on causing the prices
to go up. Whatever the climate is, you want to
have that buffer. Whole area gets hit, that's going to
increase the labor costs, it's going to increase material costs,
all of that. So it gives you, I would say,
what guarantee replacement cost is? They are guaranteeing to replace
that home should a loss happen, so it could be
(13:36):
double the value and they're still going to replace it.
What's more common is like an expanded replacement costs or
extended replacement costs, where you build in a buffer of
say twenty five additional percentage or fifty percent above that
dwelling limit you set and it just gives you that
little buffer. Should it cost a little bit more than
you anticipated, or things change, you know, prices go up
(13:58):
a little bit, and may you hadn't adjusted your policy
up yet to meet with those new costs.
Speaker 1 (14:04):
Talking this morning, of course with Matt Heytman of Rockreels
realt and of course we've gos got Charles Bush along
this this week. He is the owner of Evolve Insurance Solutions.
You can learn more online EI s Wi dot com.
That's EI s Wi dot com. First, you can learn
more about Rockrealty on their website, Rock Wisconsin dot com.
That's Rock R O C K Wisconsin dot com. TELF
(14:26):
number six oh eight six seven three fifty four hundred.
That's six oh eight six seven three fifty four hundred.
We'll continue our conversation with Matt and Charles. We will
do that next as ask the experts with Rockrealty continues
right here in thirteen ten WU I b E eight
fifty thirteen ten WI b A and ask the experts
with Rockrealty online Rock Wisconsin dot com. That's Rock r
(14:47):
O c K Wisconsin dot com. Telp number six oh
eight six seven three fifty four hundred. That's six oh
eight six seven three fifty four hundred, talk about this
week's featured listing and just a moment of course, Ashley
is the featured agent on that telphone number nine two
zero five five nine thirteen thirty four. That's nine two
zero y five nine thirteen thirty four. We'll get into
the featured listing and get a little review a little
(15:09):
bit later on in this segment. Joined in studio this morning,
of course by Matt Heytman of Rock Realty, as well
as Charles boysch is, the owner of Evolve Insurance Solutions
online Eiswi dot com. That's eis Wi dot com. I'm
learning a little bit about homeowner's insurance and you use
that term endorsements. Does flood insurance count as an endorsement
(15:30):
or is that something that's totally separate.
Speaker 3 (15:32):
Charles, So that is something that's totally separate. The only
really you know, well, there's a couple endorsements that you
could put on that could cover water. Water backup is
a common one where it'll cover if the some pump
can't keep up and water comes in through the sum.
We saw a lot of them in Milwaukee recently fortunately,
and then also sewer backup if that comes in unfortunately,
(15:55):
also saw that in Milwaukee.
Speaker 2 (15:56):
Bat'll cover kind of those specific things.
Speaker 3 (15:59):
Now, if it's a flood, then you need an actual
flood policy, okay, and that's something we can definitely help
with as well.
Speaker 1 (16:06):
But those are different. So, like a flood, standing water
outside my home is different from water coming into my correct.
Speaker 3 (16:12):
So just think if the water comes over the top
of the foundation, that's kind of considered a flood. Also,
if they usually will define it or declare whether it's
a flood or not with FEMA or you know, you
know whatever department does that, I think it's like FEMA
that will say, hey, we've had you know over I
think an inch of water in a three square mile
(16:34):
or three square acres or something like that, it's considered
a flood. So by the terminology, if it's considered a flood,
it comes over the top of the foundation. You definitely
want to have that flood policy if you want coverage
for that, or if you're in an area that could
be prone to that.
Speaker 1 (16:48):
And I hear the term floodplain a lot. Does that
mean like, if I've got a mortgage and I'm in
a quote unquote flood plane, does that mean that I
my mortgage company or my lender is probably going to
require some type of coverage for that Or am I
miss understanding what that may or how that may matter?
Speaker 2 (17:03):
That's correct.
Speaker 3 (17:03):
I mean there's all sorts of flood planes, but if
you're in a high risk flood plane and you're getting
a mortgage, you will need to get flood insurance. So
nice thing is we work with both FEMA back and
private flood insurance companies that are Fanny and Freddie may
you know compliant. It's good to have both because then
you can see who's going to be, you know, with
(17:24):
something that is required the most competitive.
Speaker 1 (17:26):
It looks like you want to get on that.
Speaker 4 (17:27):
Yeah, So you know a lot of our agents will
actually ask, you know, well, how how do I find
out if this isn't a flood plane?
Speaker 2 (17:35):
Right?
Speaker 4 (17:35):
Just to be sure, right, because sometimes it'll mention it
in the listing. Sometimes I won't. So a lot of
times it's it's best if we can check on the
back and so we're actually able to call Charles, give
them an address, and he'll tell me, oh, this is
this is the degree of risk you're at if you're
going to make an offer on this property. And so
it kind of gives yourself an eyes wide open moment
with your buyers.
Speaker 1 (17:54):
Is that unique, Charles you get obviously with the folks
that Rock Realty? Is that unique that that folks would
call you on something like that? I mean real estate agents. Y.
Speaker 3 (18:03):
I like to do it because it's an extra value
added thing I can do for them. And then and
then their buyers, No, they know whether or not they're
in a flood zone. It's important because with the online
and the searching and the googling and the chatchyet you know, t.
Speaker 2 (18:17):
Being and all of that.
Speaker 3 (18:18):
Yeah, you know there there's sometimes a disconnect there. And
I've seen I've seen buyers like, hey, this is this
isn't in a seventy or eighty percent flood zone in it?
Speaker 2 (18:28):
You know? Or this is my flood score?
Speaker 3 (18:30):
Like no, you need to get a flood zone determination
that'll tell you whether or not, you know, if you've
got a mortgage you need to have flood insurance or not.
And I've seen a lot of times where it says, oh,
this isn't a high risk area. No, it's only an X,
it's not in something that would require that you know,
mortgage back flood insurance.
Speaker 1 (18:45):
Are there, Charles, Are there some insurance companies that that
and I obviously they all treat things their own separate way,
but are there some that for example, if I am
in one of these areas where there is a higher
flood risk, that there may be a company out there
that that you may able to work with that might
handle something like that a little bit better than another one.
Like you understand what some of them may specially not
(19:06):
necessarily specialize, but maybe more forgiving in some of these areas.
As far as pricing and other things.
Speaker 3 (19:12):
There's definitely some differences in pricing in appetite when it
comes to areas. Sometimes if you're in the middle of nowhere,
like a protection Class ten is what they call it,
it can be challenging to get covered. So everybody will
rate you up. But there may be like two or
three carriers. They're like, oh no, we're we're fine with
protection Class ten and here's your rate. It's twelve or
(19:33):
fourteen hundred dollars for your policy. Same thing would go
with you know, water areas. You know, some are I've
found that some private flood insurance, depending on the makeup
and how it's set up, you know, if it's on
a river or something like that, but it's farther back,
they sometimes can look fantastic on the rate, whereas if
the you know, the foundation backs right up to the water,
(19:55):
it's a little bit different story. So yeah, every case
is a little bit different and can kind of y
depending on appetite when it comes to underwriting and the
insurance company.
Speaker 4 (20:04):
Might be talking about my situation. We had a we
had an old building in Stoughton that was off of
a river, but it wasn't touching the river. So yeah,
we were actually to find a fairly reasonable policy due
to that, but took looking and shopping a few different carriers.
And that's what's so nice about working with Charles and
Evolve insurance solutions. You can find that you know, cheaper
(20:25):
but great coverage option.
Speaker 1 (20:26):
So I'm just thinking about cast Cast the line from
your back window. You might be a little too close.
Speaker 4 (20:31):
Well, the backyard was only like three foot to the river.
Speaker 1 (20:36):
I see a term here, a special form or h
O three. Does that mean anything to you, Charles? Is
that is that something in your industry that that matters?
Or is that something on a on a on a
AM I talking about a different area here.
Speaker 2 (20:49):
No.
Speaker 3 (20:50):
H O three is a special open perils coverage, which
basically means your policy is covered for everything minus what
specifically excluded on it.
Speaker 2 (20:59):
I would say that's becoming.
Speaker 3 (21:00):
More and more standard, or maybe you know the standard
in the industry. You can find some older policies that
are like eight you know, that don't cover all perils.
You want to have special apparels covered because what it
also does is put the burden of proof on the
insurance company, meaning, hey, they have to prove it wasn't covered,
versus the burden of proof is on the insured. They
(21:22):
got to prove it was covered, and they can get
a little challenging, and you know, especially if.
Speaker 2 (21:26):
You've got to hire lawyers and all that stuff.
Speaker 3 (21:28):
I'd say the most important thing is kind of what
we talked about earlier, the expanded replacement costs or the
H five that just gives you a better product. It
gives you a little peace of mind, a little buffer
if something should happen and you need a little.
Speaker 2 (21:40):
Bit extra coverage to bring you home.
Speaker 1 (21:42):
And talking of this morning with Charles Buysch is the
owner of Evolve Insurance Solutions. Telephone number to get a
hold of Charles A six eight eight eight six nine
five zero seven. Even easier online EI SWI dot com.
That's EISWI dot com. Speaking of getting online, hope you've
had a chance. I don't. Over to Rock Wisconsin dot
com check out this week's featured listing that Ashley hasn't Matt.
(22:04):
I did get a chance during the break to go
online and look at some more of these pictures, and wow,
this is not only is it beautiful from from the outside.
I am amazed as I'm looking at the inside photos.
How they whoever the architect was the designer of this home.
It's it is. It seems like five times as large
on the inside. It does it. It's a it's a miracle.
(22:25):
It's pretty amazing.
Speaker 4 (22:26):
Yeah, it's it's definitely not a cookie cutter kind of house.
It's really neat INSIDEA between the painted cabinets and you
know the open concept and the tall walls. It's just
a really neat property. It's N seven eight to one
one Kettle Marine Drive, and yes that means that it
is just minutes away from Kettle Marine out in white Water.
(22:48):
So really large two.
Speaker 2 (22:51):
Car garage too.
Speaker 4 (22:51):
It's pretty much looks like two and a half cars,
but brick exterior and five bedroom.
Speaker 2 (22:57):
Three bath.
Speaker 4 (22:57):
I mean this is this has got everything.
Speaker 1 (23:00):
He looks and a workshop in the basement. So there's
that little something for everybody. Ashley's telephone numbers say hey,
I want to see this beautiful home. Telephone number nine
two zero five five nine thirteen thirty four. That's nine
two zero five five nine thirteen thirty four. Of course
you can check it out. Also check it out also
online Rockwisconsin dot com. That's r ock Wisconsin dot com.
(23:22):
Matt Charles, great to see both of you guys. Have
a great day.
Speaker 2 (23:25):
You too, Sarah too.
Speaker 1 (23:26):
Vicky McKenna has your chance to win one thousand dollars
next right here on thirteen ten wuib i
Eight thirty two thirteen ten Wi b A and ask
the experts. Brought to you by Rockrealty Online. Rock Wisconsin
dot com. That's ro c k with Wisconsin dot com.
Great website and resource to learn more about Rockrealty. Of course,
the telephone number six so eight six seven three fifty
four hundred. That's six h eight six seven three fifty
four hundred. Joined in studio this morning. I'm mister Matt Heyman,
(00:22):
a Rockrealty Matt. How you doing this week?
Speaker 2 (00:24):
Doing good?
Speaker 3 (00:24):
How are you?
Speaker 1 (00:24):
I'm doing really well. We've got a lot of stuff
to cover. We've got a guest in studio, will introduce
in just a moment. But first and foremost featured listing.
A beautiful home KENL Moraine Drive. A fantastic home as
a matter of fact, right right in kemel O Rain
Drive in Whitewater, which is a fantastic area. I was
(00:46):
just in Whitewater over this past weekend for a bit
fun area. Three bedroom, three bath, this scot it really
got it all at four seventy five.
Speaker 2 (00:55):
Matt.
Speaker 1 (00:55):
It's a really nice listing. Yeah it is.
Speaker 4 (00:57):
It's got a lot of curve appeal too, Brick. It's
got you know, open concept inside that.
Speaker 2 (01:04):
I really like.
Speaker 4 (01:05):
You know, some wood floors and yeah that kitchen, I
don't know if you had a chance to look at it,
but uh, yeah, we got painted cabinets. Really it's just
very modern looking, very open and spacious like a lot.
Speaker 1 (01:17):
Oh that is absolutely fantastic. And again right in Whitewater
on Kettle Moraine Drive at north seventy eight eleven Kettle
Moraine Drive and Whitewater. Ashley is the featured agent, the
listing agent on that one. And of course you can
give Ashley a call nine two zero five five nine
thirteen thirty four. That's nine two zero five five nine
one three three four And with this, uh, with this
(01:40):
feature listing this week, Matt. As I look, I see
some see some nice trees and some other You're in
a nice little neighborhood, a little just kind of.
Speaker 4 (01:48):
Like a country setting. I mean it even has a
deeded access to to Rice Lake.
Speaker 1 (01:52):
What I didn't see that I did not see serious five.
Speaker 4 (01:56):
Bedrooms, so oh washing you know it can be your
crap shop. You can do a little workout room.
Speaker 1 (02:02):
Oh what that is absolutely fantastic. Again, great time to
give Ashley a call, say I want to check out
this house in Whitewater again, five bedrooms, three bath, twenty
three hundred square feet for just four hundred and seventy
five thousand. Dashley giver her a call this morning. Nine
two zero five five nine thirteen thirty four. That's stick.
(02:24):
Nine two zero five five nine thirteen thirty four. We'll
talk a little bit more on our featured listening coming
up a little bit later on in the program. And Matt,
you brought friends along this week or a friend in particular.
Voice that's familiar to folks on this station, Charles Bush.
Speaker 4 (02:40):
Charles Bush, Evolve Insurance Solutions been on one other time,
but we got them in studio today.
Speaker 1 (02:46):
Charles, welcome back to the program.
Speaker 2 (02:48):
Thanks for having me back on.
Speaker 1 (02:50):
It's really good to see you. And we've got we're
going to talk about homeowner's insurance, what it is, why
it's needed, other aspects of it, add things you can add.
I'm like flood insurance, a lot of things. But before
we get to that, just kind of an overall view
of Evolve the insurance agency and what you guys do
at Evolve Insurance Solutions, and for folks that may not
(03:10):
be familiar with you, let's talk a little bit about
your background and a little bit about the business.
Speaker 2 (03:14):
Sure. Yeah.
Speaker 3 (03:15):
Evolve Insurance Solutions is one hundred percent veteran owned independent
insurance agency. We partner with several different highly rated insurance
companies to basically shop through and find you the best option.
Speaker 2 (03:28):
So we found just having a.
Speaker 3 (03:30):
Variety of carriers to fit the different needs definitely is helpful,
especially in this hard insurance market that we've been in
for quite some time now.
Speaker 1 (03:37):
Is that would that be like a broker? Is that
the term that am?
Speaker 2 (03:39):
I think it's on the different phone brokers?
Speaker 1 (03:41):
Ok?
Speaker 2 (03:41):
Yeah, that would be an accurate description.
Speaker 3 (03:43):
And like we basically work with seventeen direct companies for
personal lines and then over forty.
Speaker 2 (03:49):
For commercial lines.
Speaker 3 (03:50):
So very helpful, especially when you're trying to find a
good program for you know, the different clients or you
know whatever it ends up being.
Speaker 1 (04:00):
So and folks can for example, you know, you think
of like an insurance agent, they work for an insurance
company and they're going to sell that particular company's product.
Working with you at Evolve Insurance Solutions, Charles, you're able
to kind of shop around and look for am I
Am I understanding that correctly? Yeah?
Speaker 3 (04:18):
And that's you know, that's super important right now in
this hard market because there's some carriers that are.
Speaker 2 (04:23):
Really increasing premiums.
Speaker 3 (04:26):
I just ran into one the other day with a
captive company that just sells kind of like what you're
talking about. And I won't say the company, but they
just sell that company, and the home home policy was
like forty three hundred dollars a year for you know,
five six.
Speaker 2 (04:39):
Hundred thousand covered. So that is, you know, that's insane.
Speaker 3 (04:43):
And what we can do is we can shop that
out see if there's anybody else out there that's more competitive.
We're also seeing a lot with wind hail deductibles being
kind of high, and so finding you know, ones that
you know can be a good fit. Not having an
eight nine, ten thousand dollars whin hail deductible can also
be helpful fuying something a little bit lower, like a
(05:03):
thousand or twenty five hundred.
Speaker 1 (05:04):
I'm down in Edgerton and the song of the summer's
been contractor hammers putting new roofs on on homes. And
I can't imagine the insurance companies right now the types
of checks that they're writing, but I do know that
that's substantial and we'll talk to about as we have
Charles Bush and studio with us this morning, talk a
little bit about for homeowners and people prospective homeowners what
(05:27):
they need to know and Matt I talk about and
one of the great things but getting a chance to
talk with you each and every week, is you've got
a network of people that you work closely with, obviously
other agents at Rock Realty internally, but also outside. We've
had some really great folks that you brought in that
you partner with quite a bit at Rock Realty, and
that says a lot is having a relationship with for example,
(05:48):
as we're talking this morning with Charles, having a relationship
with somebody in the insurance side of things can really
help especially I think it like first time home buyers
can really help them build a relationship that it was
someone that they trust a little bit of background.
Speaker 4 (06:01):
Yeah, definitely. I mean when you've been in real estate
for twenty plus years and you know you've tried out
many other people in any companies, you know you find
the best ones. And we're really happy to be partnered
with Charles. We've you know, all of our clients tend
to get the better coverage and actually pay less for it.
So whenever you can, you know, find that combination and
(06:23):
have the flexibility. Even myself, you know, we've we've switched
carriers ourselves through Charles, right because he's always finding you know,
who's offering the best rates and the best coverage at
the current time. And with the insurance market changing so
much recently, it's really important that you have someone that's
actively looking for you.
Speaker 1 (06:40):
With with with if you're buying a home, do you
need and I'll start with you, Matt, and then we'll
go over to Charles. Do you absolutely need insurance on
a new home? I know obviously you should, but do
you have.
Speaker 4 (06:51):
If if you're buying in cash, you do not have
to have an insurance policy. However, if you have any
sort of financing involved, the lender is going to want
to make sure that they have that multiple hundreds of
thousands of dollars insured. Yeah, so that it just doesn't
get wiped off the map on them. Yes.
Speaker 1 (07:08):
And Charles, do you work with a lot of first
time home buyers, other folks that have questions? You know,
folks that that may not I know most purchases involved
some type of mortgage. I'm guessing you work with a
lot of those folks and helping them find those things.
What's that like? That experience like for especially for a
first time home buyer, kind of walking them through that
how insurance and homeowner insurance works. It's got to be
(07:28):
a great experience for you.
Speaker 2 (07:30):
Oh yeah, we love it. You know.
Speaker 3 (07:31):
We get to go through a lot of you know,
new home buyers. They don't know what they don't know,
so we get to go through and set them up
the right way, go through what's important to them, what
they want for coverage. Not everybody's the same when it
comes to coverage, some you know, and not every home
is the same, you know, so we can set up
a time to go through, customize and really find, you know,
(07:54):
a fantastic fit for the new home buyer. The nice
thing too, is we can really explain what everything covers, so,
you know, should there be a loss, so they kind
of have that piece of mind knowing, hey, I remember
buying this writer for this coverage and I'm protected. So
that's you know, when the rubber meets the road, do
you have the coverage you need?
Speaker 1 (08:12):
Is that something that people should maybe spend a little
more time on. I feel like a lot of times,
and the reality is that we're all looking to save
a little bit of money. But it seems like people
are just like my, my, the bank that has my mortgage,
this is what they require for for my insurance, and
they just kind of stop. There is this something that
that there's a great value to maybe looking at other
(08:34):
additional coverages or fully understanding what that coverage is that
that you're that you're paying for, oh one.
Speaker 3 (08:40):
Hundred percent and and you know a lot of folks
in the Edgutate and Evantil area, yea kid probably attests
to this with all the hail and the massive hailstorm
that we had. Not every insurance policy is built the
same way. Some you know, have ACV endorsements on the
roof coverage. Some have one percent wind hail deductibles.
Speaker 1 (08:58):
Uh.
Speaker 3 (08:59):
Some you know, I really paid for the good coverage,
still have a matching endorsement that actually covers the undamaged
part of the roof or siding.
Speaker 2 (09:06):
So you know, it can.
Speaker 3 (09:08):
Really make a claim goal a lot easier when you
have better coverage built in and you're not fighting back
and forth with the insurance company.
Speaker 4 (09:16):
I will say that, Yeah, Charles Charles has certain terms
that he'll mention yes, thank you. So the neat thing
is Charles can explain kind of, you know, the layman's
terms as well. And you know, especially in the hail thing,
he had just described these different things to me as like,
you know, what what does it mean when it's percentage?
What does it mean when it's ACV. So what's the
difference between those two again.
Speaker 2 (09:36):
Charles sure?
Speaker 3 (09:37):
So what actual ACV or actual cash value stands for.
Is it going to give you a depreciated payout. So
if you have a fifteen or twenty year old roof,
you're probably not going to get much of a payout.
Speaker 2 (09:48):
Now, if you had replacement costs on.
Speaker 3 (09:50):
That roof, they would pay to replace the roof, so
you got to watch out for that. A lot of
companies are just going flat out actual cash value or ACV.
Some are going to some sort of what's called a
payment schedule, which is similar to actual catch value, but
they do look at the age of the roof and
they decide, hey, at this age, this is.
Speaker 2 (10:10):
The percentage payout that we will do for this, you know.
Speaker 3 (10:14):
So it's important to know what you have in that
way too, you can plan for the future. If you
know you can't get replacement cost coverage, maybe you should
start budgeting roof replacement in the next five.
Speaker 2 (10:24):
Or ten years.
Speaker 1 (10:25):
A friend of mine down the road, they are I
think it's about twenty thousand dollars out of pocket that
they're paying to replace their roof is a fifteen twelve
years old and it's the insurance isn't isn't covering And
one of those, as you point out, Charles, one of
those questions you should probably be aware of before you've
got to write that check, save yourself that frustration. Another
term you used endorsements. What is an endorsement in the
(10:49):
insurance industry?
Speaker 3 (10:50):
So typically an endorsement is going to add or take
away coverage. Most of the time it adds coverage. Most
policies come kind of basic, and then you endorse on
the different types of coverages that you want to have.
There's a lot of really cool endorsements out there these days.
So I would say you should review your insurance if
you haven't done it in the last four or five years,
you'd be kind of surprised some of the coverages that
(11:11):
are out there, and maybe even some of the changes
that have happened to your policy, whether it's wind, hail, deductibles,
ACV endorsements, actual cash value endorsements where you're getting it,
to appreciate it, payout should there be a claim for
wind or hail on your roof super important, just to
know what you have should it claim it?
Speaker 1 (11:30):
Curve talking this morning with Charles Buysch and of course
Matt Heiman. Of course, Matt comes to us from Rockrealty
Online Rock Wisconsin dot com. That's roz k Wisconsin dot com.
Charles comes to us from Evolve Insurance Solutions. There tel
for number six So eight two zero three six four
six four five four is is their number? Is that
(11:51):
the best number to reach you? Gett't that look there?
Speaker 2 (11:53):
That's actually my cell but that is for you as well.
Speaker 1 (11:57):
That's the perfect numbers. What's the best for folks that
are looking to reach the office. What's the best way
to reach you? Charles?
Speaker 3 (12:03):
That number is six eight six eight eight eight six
six seven and then just hit option one and we
get the first available agent.
Speaker 1 (12:12):
Oh beautiful website too. I haven't had a chance to
ask you. Of course, everybody's online these days.
Speaker 3 (12:17):
Oh absolutely, so that's sometimes a better way and more
streamlined way to requests a quote. It's www dot EI
s WI dot com again www dot EI s WI
dot com and then you can just click on requests
to quote. We streamline it. We try to turn around them,
(12:38):
you know, as quick as we can.
Speaker 1 (12:39):
What as you were mentioning earlier, actual cash value talked
about replacement cost value. I did see a note here
all about guaranteed or extended replacement cost. What are we
talking there? Where's that world come into play?
Speaker 3 (12:53):
Sure, so every policy should also have some kind of
extended replacement cost in it, meaning you should elect for
it because you never know what's going to happen. What
that does is a build a buffer in with inflation,
which we've all kind of seen hit across the economy,
increased costs of things coming in, whether it's imported from
(13:15):
different countries, and maybe tariffs are on causing the prices
to go up. Whatever the climate is, you want to
have that buffer. Whole area gets hit, that's going to
increase the labor costs, it's going to increase material costs,
all of that. So it gives you, I would say,
what guarantee replacement cost is? They are guaranteeing to replace
that home should a loss happen, so it could be
(13:36):
double the value and they're still going to replace it.
What's more common is like an expanded replacement costs or
extended replacement costs, where you build in a buffer of
say twenty five additional percentage or fifty percent above that
dwelling limit you set and it just gives you that
little buffer. Should it cost a little bit more than
you anticipated, or things change, you know, prices go up
(13:58):
a little bit, and may you hadn't adjusted your policy
up yet to meet with those new costs.
Speaker 1 (14:04):
Talking this morning, of course with Matt Heytman of Rockreels
realt and of course we've gos got Charles Bush along
this this week. He is the owner of Evolve Insurance Solutions.
You can learn more online EI s Wi dot com.
That's EI s Wi dot com. First, you can learn
more about Rockrealty on their website, Rock Wisconsin dot com.
That's Rock R O C K Wisconsin dot com. TELF
(14:26):
number six oh eight six seven three fifty four hundred.
That's six oh eight six seven three fifty four hundred.
We'll continue our conversation with Matt and Charles. We will
do that next as ask the experts with Rockrealty continues
right here in thirteen ten WU I b E eight
fifty thirteen ten WI b A and ask the experts
with Rockrealty online Rock Wisconsin dot com. That's Rock r
(14:47):
O c K Wisconsin dot com. Telp number six oh
eight six seven three fifty four hundred. That's six oh
eight six seven three fifty four hundred, talk about this
week's featured listing and just a moment of course, Ashley
is the featured agent on that telphone number nine two
zero five five nine thirteen thirty four. That's nine two
zero y five nine thirteen thirty four. We'll get into
the featured listing and get a little review a little
(15:09):
bit later on in this segment. Joined in studio this morning,
of course by Matt Heytman of Rock Realty, as well
as Charles boysch is, the owner of Evolve Insurance Solutions
online Eiswi dot com. That's eis Wi dot com. I'm
learning a little bit about homeowner's insurance and you use
that term endorsements. Does flood insurance count as an endorsement
(15:30):
or is that something that's totally separate.
Speaker 3 (15:32):
Charles, So that is something that's totally separate. The only
really you know, well, there's a couple endorsements that you
could put on that could cover water. Water backup is
a common one where it'll cover if the some pump
can't keep up and water comes in through the sum.
We saw a lot of them in Milwaukee recently fortunately,
and then also sewer backup if that comes in unfortunately,
(15:55):
also saw that in Milwaukee.
Speaker 2 (15:56):
Bat'll cover kind of those specific things.
Speaker 3 (15:59):
Now, if it's a flood, then you need an actual
flood policy, okay, and that's something we can definitely help
with as well.
Speaker 1 (16:06):
But those are different. So, like a flood, standing water
outside my home is different from water coming into my correct.
Speaker 3 (16:12):
So just think if the water comes over the top
of the foundation, that's kind of considered a flood. Also,
if they usually will define it or declare whether it's
a flood or not with FEMA or you know, you
know whatever department does that, I think it's like FEMA
that will say, hey, we've had you know over I
think an inch of water in a three square mile
(16:34):
or three square acres or something like that, it's considered
a flood. So by the terminology, if it's considered a flood,
it comes over the top of the foundation. You definitely
want to have that flood policy if you want coverage
for that, or if you're in an area that could
be prone to that.
Speaker 1 (16:48):
And I hear the term floodplain a lot. Does that
mean like, if I've got a mortgage and I'm in
a quote unquote flood plane, does that mean that I
my mortgage company or my lender is probably going to
require some type of coverage for that Or am I
miss understanding what that may or how that may matter?
Speaker 2 (17:03):
That's correct.
Speaker 3 (17:03):
I mean there's all sorts of flood planes, but if
you're in a high risk flood plane and you're getting
a mortgage, you will need to get flood insurance. So
nice thing is we work with both FEMA back and
private flood insurance companies that are Fanny and Freddie may
you know compliant. It's good to have both because then
you can see who's going to be, you know, with
(17:24):
something that is required the most competitive.
Speaker 1 (17:26):
It looks like you want to get on that.
Speaker 4 (17:27):
Yeah, So you know a lot of our agents will
actually ask, you know, well, how how do I find
out if this isn't a flood plane?
Speaker 2 (17:35):
Right?
Speaker 4 (17:35):
Just to be sure, right, because sometimes it'll mention it
in the listing. Sometimes I won't. So a lot of
times it's it's best if we can check on the
back and so we're actually able to call Charles, give
them an address, and he'll tell me, oh, this is
this is the degree of risk you're at if you're
going to make an offer on this property. And so
it kind of gives yourself an eyes wide open moment
with your buyers.
Speaker 1 (17:54):
Is that unique, Charles you get obviously with the folks
that Rock Realty? Is that unique that that folks would
call you on something like that? I mean real estate agents. Y.
Speaker 3 (18:03):
I like to do it because it's an extra value
added thing I can do for them. And then and
then their buyers, No, they know whether or not they're
in a flood zone. It's important because with the online
and the searching and the googling and the chatchyet you know, t.
Speaker 2 (18:17):
Being and all of that.
Speaker 3 (18:18):
Yeah, you know there there's sometimes a disconnect there. And
I've seen I've seen buyers like, hey, this is this
isn't in a seventy or eighty percent flood zone in it?
Speaker 2 (18:28):
You know? Or this is my flood score?
Speaker 3 (18:30):
Like no, you need to get a flood zone determination
that'll tell you whether or not, you know, if you've
got a mortgage you need to have flood insurance or not.
And I've seen a lot of times where it says, oh,
this isn't a high risk area. No, it's only an X,
it's not in something that would require that you know,
mortgage back flood insurance.
Speaker 1 (18:45):
Are there, Charles, Are there some insurance companies that that
and I obviously they all treat things their own separate way,
but are there some that for example, if I am
in one of these areas where there is a higher
flood risk, that there may be a company out there
that that you may able to work with that might
handle something like that a little bit better than another one.
Like you understand what some of them may specially not
(19:06):
necessarily specialize, but maybe more forgiving in some of these areas.
As far as pricing and other things.
Speaker 3 (19:12):
There's definitely some differences in pricing in appetite when it
comes to areas. Sometimes if you're in the middle of nowhere,
like a protection Class ten is what they call it,
it can be challenging to get covered. So everybody will
rate you up. But there may be like two or
three carriers. They're like, oh no, we're we're fine with
protection Class ten and here's your rate. It's twelve or
(19:33):
fourteen hundred dollars for your policy. Same thing would go
with you know, water areas. You know, some are I've
found that some private flood insurance, depending on the makeup
and how it's set up, you know, if it's on
a river or something like that, but it's farther back,
they sometimes can look fantastic on the rate, whereas if
the you know, the foundation backs right up to the water,
(19:55):
it's a little bit different story. So yeah, every case
is a little bit different and can kind of y
depending on appetite when it comes to underwriting and the
insurance company.
Speaker 4 (20:04):
Might be talking about my situation. We had a we
had an old building in Stoughton that was off of
a river, but it wasn't touching the river. So yeah,
we were actually to find a fairly reasonable policy due
to that, but took looking and shopping a few different carriers.
And that's what's so nice about working with Charles and
Evolve insurance solutions. You can find that you know, cheaper
(20:25):
but great coverage option.
Speaker 1 (20:26):
So I'm just thinking about cast Cast the line from
your back window. You might be a little too close.
Speaker 4 (20:31):
Well, the backyard was only like three foot to the river.
Speaker 1 (20:36):
I see a term here, a special form or h
O three. Does that mean anything to you, Charles? Is
that is that something in your industry that that matters?
Or is that something on a on a on a
AM I talking about a different area here.
Speaker 2 (20:49):
No.
Speaker 3 (20:50):
H O three is a special open perils coverage, which
basically means your policy is covered for everything minus what
specifically excluded on it.
Speaker 2 (20:59):
I would say that's becoming.
Speaker 3 (21:00):
More and more standard, or maybe you know the standard
in the industry. You can find some older policies that
are like eight you know, that don't cover all perils.
You want to have special apparels covered because what it
also does is put the burden of proof on the
insurance company, meaning, hey, they have to prove it wasn't covered,
versus the burden of proof is on the insured. They
(21:22):
got to prove it was covered, and they can get
a little challenging, and you know, especially if.
Speaker 2 (21:26):
You've got to hire lawyers and all that stuff.
Speaker 3 (21:28):
I'd say the most important thing is kind of what
we talked about earlier, the expanded replacement costs or the
H five that just gives you a better product. It
gives you a little peace of mind, a little buffer
if something should happen and you need a little.
Speaker 2 (21:40):
Bit extra coverage to bring you home.
Speaker 1 (21:42):
And talking of this morning with Charles Buysch is the
owner of Evolve Insurance Solutions. Telephone number to get a
hold of Charles A six eight eight eight six nine
five zero seven. Even easier online EI SWI dot com.
That's EISWI dot com. Speaking of getting online, hope you've
had a chance. I don't. Over to Rock Wisconsin dot
com check out this week's featured listing that Ashley hasn't Matt.
(22:04):
I did get a chance during the break to go
online and look at some more of these pictures, and wow,
this is not only is it beautiful from from the outside.
I am amazed as I'm looking at the inside photos.
How they whoever the architect was the designer of this home.
It's it is. It seems like five times as large
on the inside. It does it. It's a it's a miracle.
(22:25):
It's pretty amazing.
Speaker 4 (22:26):
Yeah, it's it's definitely not a cookie cutter kind of house.
It's really neat INSIDEA between the painted cabinets and you
know the open concept and the tall walls. It's just
a really neat property. It's N seven eight to one
one Kettle Marine Drive, and yes that means that it
is just minutes away from Kettle Marine out in white Water.
(22:48):
So really large two.
Speaker 2 (22:51):
Car garage too.
Speaker 4 (22:51):
It's pretty much looks like two and a half cars,
but brick exterior and five bedroom.
Speaker 2 (22:57):
Three bath.
Speaker 4 (22:57):
I mean this is this has got everything.
Speaker 1 (23:00):
He looks and a workshop in the basement. So there's
that little something for everybody. Ashley's telephone numbers say hey,
I want to see this beautiful home. Telephone number nine
two zero five five nine thirteen thirty four. That's nine
two zero five five nine thirteen thirty four. Of course
you can check it out. Also check it out also
online Rockwisconsin dot com. That's r ock Wisconsin dot com.
(23:22):
Matt Charles, great to see both of you guys. Have
a great day.
Speaker 2 (23:25):
You too, Sarah too.
Speaker 1 (23:26):
Vicky McKenna has your chance to win one thousand dollars
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I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com