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Heather: IT IS ONE OF THE
MOST CHALLENGING QUESTIONS THAT
YOU HAVE TO ASK YOURSELF AS AN
ADULT: DO WE HAVE ENOUGH
INSURANCE COVERAGE?
IS THIS THE RIGHT POLICY FOR MY
FAMILY'S NEEDS?
TODAY'S CI HOME SPONSOR, IS
CHAPMAN INSURANCE INCORPORATED.
AND TODD, THE PRESIDENT IS HERE
WITH INSIGHT.
THANKS FOR HANGING OUT WITH US.
Guest: THANK YOU, HEATHER.
I'M GLAD YOU'RE HERE.
I'M GLAD WCIA 3 IS HERE AND I'M
GLAD WE'RE DOING OUR TOWN CERRO
GORDO.
THANK YOU.
Heather: LET'S TALK ABOUT
YOUR INSURANCE AGENCY AND THE
MISSION.
Guest: WE'RE A TRUSTED
CHOICE INDEPENDENT INSURANCE
AGENCY, WHICH MEANS WE CONTRACT
WITH A NUMBER OF CARRIERS
THROUGHOUT THE COUNTRY.
THAT GIVES US THE ABILITY TO
WRITE WHAT YOU NEED.
AND WE WORK FOR YOU, THE CLIENT,
NOT ONE SPECIFIC COMPANY.
Heather: IS ALL INSURANCE
CREATED EQUAL?
Guest: IT ISN'T.
YOU WANT TO LOOK FOR A COMPANY
THAT YOU KNOW WILL BE THERE
CLAIM TIME AND WILL TAKE CARE OF
YOU.
YOU SELL SERVICE.
BECAUSE MOST OF THE POLICIES
WRITTEN, PEOPLE DON'T UNDERSTAND
WHAT THEY READ UNFORTUNATELY.
Heather: YOU COME HOME WITH
A STACK OF PAPERS.
AND YOU SIGNED YOUR LIFE AWAY
AND YOU'RE EXPECTED TO KNOW WHAT
YOU COMMITTED TO.
Guest: THAT'S CORRECT.
YOU WANT TO MAKE SURE.
-- A COUPLE OF BASICS.
YOU WANT TO MAKE SURE ON A HOME
POLICY, YOU HAVE ENOUGH COVERAGE
TO REPLACE THE HOME TO REBUILD
THE HOME.
NOT WHAT YOU SELL IT FOR OR COST
TO BUY.
WHAT WILL IT COST TO RECONSTRUCT
OR REBUILD AFTER IT'S DONE.
Heather: AND THE SAME GOES
FOR CAR INSURANCE, NO?
Guest: ABSOLUTELY.
CAR INSURANCE, PEOPLE ASK WHAT
LIMITS OF LIABILITY SHOULD I
HAVE?
THE QUESTION WE ASK IS HOW MUCH
COULD YOU AFFORD TO LOSE?
WHEN YOU ACCIDENTALLY RUN THAT
SCHOOL BUS FULL OF FOURTH
GRADERS ON A SCHOOL TRIP OFF THE
ROAD, AND THREE DIE, HOW MUCH
LIABILITY INSURANCE DO YOU NEED?
Heather: THAT'S A GOOD
QUESTION AND GOOD WAY TO PUT IT
THERE.
YOU HAVE DEEP ROOTS HERE IN
CERRO GORDO WITH YOUR INSURANCE
COMPANY.
YOU'RE, WHAT, THIRD, FOURTH
GENERATION?
Guest: THIRD GENERATION,
FOURTH FAMILY MEMBER TO HAVE
OWNED THE AGENCY SINCE 1919.
IT WAS ESTABLISHED IN 1897.
Heather: WOW!
WHY DID YOU DECIDE TO CARRY ON
THE LEGACY AND NOT STICK WITH
THE COACHING, WHICH YOU DO ON
THE SIDE?
Guest: I COACHED FOR A LONG
TIME.
I JUST RETIRED TWO YEARS AGO
FROM HIGH SCHOOL COACHING.
I DID THAT FOR 38 YEARS ON THE
SIDE.
BUT IT WAS SOMETHING THAT MY
GRANDFATHER HAD, MY FATHER HAD.
I GREW UP WITH THE INSURANCE
AGENCY IN MY BLOOD.
IT WAS JUST TIME TO COME HOME.
Heather: AND BEING IN THE
HIGH SCHOOL REALM THERE COACHING
AND TEACHING, HOW IMPORTANT IS
IT FOR OUR STUDENTS IN HIGH
SCHOOL TO UNDERSTAND, YOU KNOW,
THE INSURANCE WORLD?
Guest: IT'S SOMETHING
VERY -- SOMETHING VERY MUCH
NEEDED.
WE DO A CLASS IN THE SPRING AND
FALL BOTH FOR THE SENIORS ON
LIVING, ON STUDENT LIVING.
THE WHOLE THING IS TO TRY TO
TEACH THEM WHAT IS OUT THERE.
WHEN THEY'RE OUT ON THEIR OWN,
WHAT THEY NEED.
AND WHAT TO SHOP FOR AND HOW TO
SHOP FOR IT.
Heather: WHAT DO YOU THINK
THE NUMBER ONE THING IS THEY
PROBABLY NEED TO KNOW THAT THEY
DON'T?
Guest: IS DON'T GET A SPORTS
CAR.
[LAUGHTER]
Heather: NO?
Guest: NO!
YOU WANT TO GET A FOUR-DOOR
VEHICLE OR PICKUP TRUCK.
SERIOUSLY.
Heather: YOU'RE KILLING A
LOT OF KIDS OUT THERE.
I UNDERSTAND THAT.
BUT THEY DON'T WANT THE SPORTS
CARS.
Heather: NO.
SOMETHING ELSE I WANT TO
MENTION, YOU HIT ON THE CUSTOMER
SERVICE.
AND, YOU KNOW, TAKING CARE OF
YOUR CLIENTS AND COMMUNITY
MEMBERS.
BECAUSE HONESTLY, INSURANCE
DOESN'T GO ON SALE.
IT'S NOT LIKE YOU'RE GOING TO
GET A BETTER DEAL NECESSARILY
SOMEONE ELSE OR PRICE.
BUT YOU WANT TO BE WITH SOMEONE
WHO CAN TAKE CARE OF YOU AND
KNOW WHAT'S BEST FOR YOUR
FAMILY.
Guest: THAT'S CORRECT.
THAT'S WHERE IT ALL COMES DOWN
TO IS YOUR SERVICE.
BECAUSE IF YOU DON'T PROVIDE
SERVICE WHEN THEY NEED IT, THEN,
THEY'RE GOING TO GO DOWN THE
STREET TO ANOTHER INSURANCE
AGENCY.
BECAUSE AS YOU SAID, THERE'S NO
SUCH THING AS A SALE,
UNFORTUNATELY.
YOU CAN SHOP AROUND, GO ONLINE.
BUT THAT'S THE THING ABOUT
ONLINE SHOPPING FOR INSURANCE,
IS THERE IS -- YOU DON'T KNOW
WHO IS THERE AT CLAIM TIME OR
WHEN YOU'RE LATE WITH A PAYMENT.
YOU DON'T HAVE SOMEONE TO TALK
TO.
YOU DON'T HAVE SOMEONE TO COME
VISIT AND EXPLAIN WHY YOU'RE
LATE WITH A PAYMENT.
OR THAT YOU HAVE HAD A CLAIM.
Heather: YEAH.
BECAUSE MAYBE THAT SPORTS CAR
HAD TOO MUCH FUN OR SOMETHING.
ABSOLUTELY.
Heather: WHO KNOWS.
FOOTBALL TEAM, HOW ARE LOOKING
THIS FALL?
Guest: WE ARE GOING TO BE
GOOD THIS FALL.
WE'RE GOING TO BE BACK WITH THE
BRONCOS HAVE BEEN FOR A LONG
TIME!
WE'VE HAD A LOT OF SUCCESS OVER
THE YEARS.
WE'LL BE RIGHT BACK IN.
WE WERE IN THE PLAYOFFS LAST
YEAR AND WE'LL BE BACK THIS
YEAR.
Heather: TODD HENDRICKS WITH
THE CHAPMAN HENDRICKS INSURANCE
AGENCY.
THIS IS YOUR GUY HERE.
I CAN FEEL LIKE HE'S A TRUST