1 | Origins of Disasterfield: Risk, Readiness, and Why We’re Here

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[SPEAKER_00]: A tension, buckle in, shelter in place, and prepare.

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[SPEAKER_00]: This is the disaster field show.

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[SPEAKER_00]: When I was in Afghanistan, I also had like a medical, like I had a teacher who was called, so tactical, calm, I casually cared.

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[SPEAKER_04]: I had actually dealt with fatalities and the application of first aid and discovered really quick that I'm comfortable in stressful situations.

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[SPEAKER_03]: because I'm working with people and trying to protect their assets, their personal belongings, their homes, their families, their liability like that to me was like it really aligned.

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[SPEAKER_00]: All right, well, we made it.

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[SPEAKER_00]: We made it here.

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[SPEAKER_00]: Yes, we're all in one room together and you know, we're we're here today is I guess the first episode of the disaster field show.

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[SPEAKER_00]: So thanks for thanks for coming and and thanks for being here.

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[SPEAKER_00]: I mean, you know, to set the stage a little bit and go back as to like, why we, we ended up here today, doing the show was really kind of out of a necessity.

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[SPEAKER_00]: I mean, we've talked about it many times where there's not, there's just not enough communication in the world right now.

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[SPEAKER_00]: I think at all levels.

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[SPEAKER_00]: And one of the big things was, you know, throughout my background, or throughout my history of what I've done in the short period of time that's been, you know, I kind of pride myself on.

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[SPEAKER_00]: I've done a lot of a little bit of a lot of things.

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[SPEAKER_00]: And that's allowed me to kind of take a look at what

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[SPEAKER_00]: works and what doesn't work in the context of whatever, you know, we're operating in, right?

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[SPEAKER_00]: So myself as I was born and raised, Northern BC, fortunate John area.

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[SPEAKER_00]: So, you know, grew up on a ranch out there.

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[SPEAKER_00]: It was obviously, um, lots of lessons learned, you know, usually a hard way with potato vegetables and barb wire fences, right?

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[SPEAKER_00]: But, uh, you know, again, that kind of set the table.

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[SPEAKER_00]: This set table four where I was going in life and having grown up in a

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[SPEAKER_00]: I really heavy kind of oil field town, you know, that was something that I just I realized I didn't want to do, you know, for the rest of my life, you know, see a lot of family members in and out, you know, provides a great life.

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[SPEAKER_00]: But I was looking for something a little bit with the deeper purpose.

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[SPEAKER_00]: So in in high school, I ended up actually signing up for the military and against my mother's will.

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[SPEAKER_04]: Of course, sure it wasn't the judge saying you had a choice boy.

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[SPEAKER_00]: No, no, this is just wondering.

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[SPEAKER_00]: So, you know, the paperwork went in grade grade twelve, you know, I was already, I already got accepted into basic training, you know, coming right over to high school.

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[SPEAKER_00]: So in that November off I went, I went straight straight to basics.

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[SPEAKER_00]: You know, kind of keeping that a little bit of that history short.

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[SPEAKER_00]: We I was eventually after training posted the Second Battalion Princess Patricia's Canadian Light Infantry and I was posted to shallow Manitoba.

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[SPEAKER_00]: So again, there's a there's another experience, I guess you will that just living in the Paris like that.

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[SPEAKER_00]: We got a lot of family from Manitoba and Saskatchewan, but you know, having lived live there through the winters and there's no storms and everything you really get an appreciation for

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[SPEAKER_00]: You know, the BC mountains and everything that the West Coast has, right?

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[SPEAKER_04]: And the tropics, I'm guessing exactly.

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[SPEAKER_00]: So from there, you know, digging into a little further, I was in a unique position because this was the mid-two thousand.

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[SPEAKER_00]: So it was kind of

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[SPEAKER_00]: Honestly, in my opinion, the best time to get into the military.

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[SPEAKER_00]: You know, we're heavy in the Afghan war.

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[SPEAKER_00]: Got in straight into training.

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[SPEAKER_00]: It was meaningful.

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[SPEAKER_00]: It was purposeful.

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[SPEAKER_00]: Had a lot of depth to it.

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[SPEAKER_00]: You know, I mean, the first two weeks that I was in Battalion when I go post there, we were already Palber and Palbering funerals.

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[SPEAKER_00]: You know, so the realities of us where we're going and what we're doing sank in pretty heavy pretty quick, right?

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[SPEAKER_03]: So pretty quick to I think.

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[SPEAKER_03]: Totally, especially right out of high school.

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[SPEAKER_00]: yeah yeah so so you know out of that you know we did work up train two thousand seven went to Afghanistan two thousand eight did a combat tour I was a little bit outside of the regular battle group I was tasked with another I grew up called the construction management team where I was handling the security for that but we were way outside the wire and way outside the a.l.

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[SPEAKER_00]: there's obviously an extreme amount of risk but

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[SPEAKER_00]: We also had a very complex group of individuals that were together there.

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[SPEAKER_00]: So as a private at that time, you know, I ended up having to take on the role of a mascortable or sergeant and just learning how to very, very quickly manage different personalities and different, you know, egos and that sort of stuff.

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[SPEAKER_00]: So you fast forward, you know, two thousand nine and up, you know, the military the first time, you know, went back to the oil patch, of course, as a twenty one year old, and then I'm going to be a millionaire, you know, for many, many, many, many.

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[SPEAKER_00]: I'm going to order drilling company right and already picking out which, you know, pocket late.

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[SPEAKER_00]: So I'm going to put in my covered deck on my house, you know, which island you're going to find.

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[SPEAKER_00]: Oh, yeah, my my uncles are just like man, settle down and just

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[SPEAKER_00]: drink your moose head beer, you know what I mean, like so.

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[SPEAKER_00]: Anyways, I was always like one of those guys that wanted to grow up, you know, fast, right?

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[SPEAKER_00]: And and try to be, you know, try to make it quick, right?

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[SPEAKER_00]: And and, you know, as we have the living hell beat out of us for the last how many years you realize that there's sustainability comes with time, right?

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[SPEAKER_00]: You know, moving forward, went back to the way of patchwork from a wellhead out kind of did, you know, a lot of things on the sun in the logistics side, you know, trucking, super heating, a lot of that stuff kind of threw that whole fracking boom in two thousand ten to two thousand fifteen.

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[SPEAKER_00]: So we had we had a good time doing that, but

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[SPEAKER_00]: I found that I had a hole.

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[SPEAKER_00]: I had a hole in my, wherever it was, my soul is called it.

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[SPEAKER_00]: And there's this gap and I was realizing that I needed more purpose.

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[SPEAKER_00]: I needed something to give back.

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[SPEAKER_00]: I needed something to do bigger.

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[SPEAKER_00]: That was bigger than myself again.

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[SPEAKER_00]: It was original attempted wide, joined the military.

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[SPEAKER_00]: And I set out to basically move to, you know, move to Calgary with my wife.

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[SPEAKER_00]: So I'll grow up on at the time.

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[SPEAKER_00]: and drugger through a bunch of renovations on different houses and that sort of stuff.

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[SPEAKER_00]: But while we are there, I ended up getting in a security, you know, working in the security space and then making my way into the twenty thirteen fires, or sorry, floods, the Calgary floods that we had there.

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[SPEAKER_00]: I was out there and just naturally had an old like nineteen eighty five single body square body.

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[SPEAKER_00]: Chevy pickup truck right in the old three speed monkey and it so it literally does not die right and then I prove that in the floods because I was driving through everything water up to the dashboard But you know like I went out day in a day out by myself You know on my own time on my own dime simply just to help pull people out of the ditch just just to help right so that was kind of telling me that okay I'm stepping back into a world where there was purpose and I just happened to see this team that was working all over the place they had the boats

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[SPEAKER_00]: And this was Canada Task Force too.

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[SPEAKER_00]: So as I've seen these guys, you know, rolling around in their fancy uniforms and the gear and their, you know, all their stuff, they're working very closely with Calgary Fire Department and the police and all these different agencies.

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[SPEAKER_00]: So as I'm observing this, you know, and we got, you know, we got clumbines carrying people, you know, across, across, you know, flowing rivers and downtown high river, right?

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[SPEAKER_00]: And we got all these things happening one time.

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[SPEAKER_00]: I was very enamored by that multi-agency type, you know, joint operational capabilities and how all these groups work together.

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[SPEAKER_00]: So immediately after floods, went and joined up with Cat at Task Force II, did my training.

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[SPEAKER_00]: And then I found out that I actually had a really unique skill set that, like, kind of just set me apart a little bit, so I might get off for them, which was in the commercial transportation, you know, that

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[SPEAKER_00]: You throw chains on to trucks on and off hundreds and hundreds of times in the mud in the middle of the minus thirty in the musk egg, you know.

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[SPEAKER_00]: It gives you a little bit of appreciation for like training the people like you're going into a disaster, you know, we need to have these skill sets, right?

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[SPEAKER_00]: So as I push forward, I start to find that I is adding a little bit more value to other people's lives within the space.

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[SPEAKER_00]: Got to meet amazing people in the Calgary Fire Department.

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[SPEAKER_00]: in the Alberta mercy management agency and that's where we deployed out to Fort McMurray in two thousand sixteen so we were there at basically day one you know task force was I rolled in there and it was crazy it was it was a wild experience you know seeing the communities burnt down the way that they were we're flying into the airport there's obviously fire still burning on the side of the airport

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[SPEAKER_00]: But that, that there, you know, landing in Formic Murray, it give me that same feeling that I got in Afghanistan, you know, of, you know, yeah, a purpose, right?

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[SPEAKER_00]: Like, yeah, exactly.

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[SPEAKER_00]: It makes the, okay, okay, maybe there's a little chance that we could die today, you know, like that, the little, the little thing that makes us tick, right?

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[SPEAKER_00]: And probably, probably most people crazy enough to even go overseas in the first place.

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[SPEAKER_00]: You know, I started to fit in into this realm.

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[SPEAKER_00]: I had joined a Calgary police or applied for the Calgary police.

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[SPEAKER_00]: I was working as a volunteer helping them set up the Calgary police cadet core at that time, so the twelve to eighteen year olds.

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[SPEAKER_00]: So I was getting a lot of purposes well kind of just, you know, taking these kids that had a lot of confidence issues, had a lot of

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[SPEAKER_00]: you know, challenging childhoods, you know, and coming into that space and seeing them kind of leave that space as somebody who wants to actually further their career in policing, but mostly just the confidence they had, right?

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[SPEAKER_00]: And we're talking about like kids pulling out their own hair and, you know, and that sort of stuff when they first come into it to be in very, very confident individuals, you know, at seventeen eighteen years old.

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[SPEAKER_00]: So, you know, I kind of had this compounding effect of like a lot of really good things were happening a lot of good, you know, filling that hole, if you will.

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[SPEAKER_00]: And I was basically offered a job or a class to join the Calgary police.

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[SPEAKER_00]: But at that time, I'd already decided my wife was saying, hey, look like you need to like do what you love doing.

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[SPEAKER_00]: And she encouraged me to go back and reapply for special forces for the community special ops regiment.

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[SPEAKER_00]: So that leads us into twenty fifteen.

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[SPEAKER_00]: You know, I went by train train mass off for for over a year and got in there great great peak physical shape, but I ended up actually going down with a pretty bad injury and that injury put me in the ICU for like seven days and you know, it kind of give me a life changing injury, right, that took me out of being able to reapply for that.

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[SPEAKER_00]: So here I am sitting there again in the trench, you know, wondering how do you fill that purpose, right?

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[SPEAKER_00]: Task Force was great, but it had since kind of moved, I was still working in the oil patch, you know, kind of balancing a lot of different things.

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[SPEAKER_00]: And, you know, I just decided that like I've seen so many of our friends and so many people that that, you know, came back from war, essentially multiple tours, one tour, you name it.

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[SPEAKER_00]: And I was noticing that there was an actual collaboration, Er, there's a unique kind of,

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[SPEAKER_00]: thing that I noticed between fire departments or firefighters, you know, paramedics, military veterans.

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[SPEAKER_00]: I was noticing that there's this pandemic of PTSD, you know, and

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[SPEAKER_00]: Dugging me wrong.

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[SPEAKER_00]: I'm down that road myself.

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[SPEAKER_00]: And, you know, but many others that have been down that road, I started sitting down with a lot of these individuals that were having struggles and challenges.

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[SPEAKER_00]: And, you know, the most common thing that they just really look for is purpose, right?

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[SPEAKER_00]: So it was kind of between twenty fifteen to twenty eighteen that I said, look like I want to build a business that is formed around being able to create a purposeful career opportunity that gives back so much greater

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[SPEAKER_00]: than the individual could ever imagine right back to the community back to their own family but do it in an environment that actually is kind of culturally the same for more become from what you know we there's public service you know the fire departments the police agencies you know all these they have a weird

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[SPEAKER_00]: You might you'll you would know this tune new but they they have a weird Dark humor about it.

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[SPEAKER_00]: That doesn't fit.

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[SPEAKER_00]: Yeah, but like you want to see some famous famous civilians, you know, you put them in a room with seventy fire fire fighters and paramedics.

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[SPEAKER_00]: You don't mean and

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[SPEAKER_00]: you know, doing medical training and that sort of stuff and the jokes are just flying out and, you know, almost everybody's getting written up.

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[SPEAKER_04]: Pretty polished sound effects too.

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[SPEAKER_04]: That's right.

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[SPEAKER_04]: Human body shouldn't make those sorts of noises, but they can't.

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[SPEAKER_03]: Well, not everybody, you know, handles those kind of experiences the same.

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[SPEAKER_03]: That's right.

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[SPEAKER_03]: Everybody has their own different kind of way.

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[SPEAKER_00]: That's right.

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[SPEAKER_03]: I'll have thicker skin for it.

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[SPEAKER_03]: Can talk about it.

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[SPEAKER_03]: Can be immersed in it.

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[SPEAKER_00]: Yeah.

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[SPEAKER_03]: Other people have a lot of our hard time.

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[SPEAKER_00]: Yeah, well, and you know, and that's what I, that's what I found.

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[SPEAKER_00]: So you know, just really sitting down with these individuals.

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[SPEAKER_00]: I realize that a lot of them just need to try.

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[SPEAKER_00]: They need to a pack to roll with.

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[SPEAKER_00]: They need a commonality.

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[SPEAKER_00]: They need something they can talk about.

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[SPEAKER_00]: That's different at the dinner table, but they need the fight, right?

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[SPEAKER_00]: A lot of them need that fight.

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[SPEAKER_00]: And that's what gives them the purpose.

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[SPEAKER_00]: So

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[SPEAKER_00]: I said I would to create a vexal, you know, and vexal is a vexal and an operative business really focused around bringing the tools and the systems that we've kind of amassed over the, you know, our time in the military.

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[SPEAKER_00]: There's certain, you know, technologies that are very cutting edge, but there's also like the systems and tactics and strategies that can be adopted into the civilian space into the disaster management and emergency.

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[SPEAKER_00]: disaster management in public safety sector, right?

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[SPEAKER_00]: And what the one thing that I really, really understood, you know, or came to understand, as I started to look into the twenty twenty one fires, you know, as getting calls in twenty twenty three for hate can you help us with evacuation zones with with all these different perimeter access control.

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[SPEAKER_00]: And I started looking into it and I mean, that's where we kind of met was I was really reaching out to all these different individuals asking them their opinions and what those.

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[SPEAKER_00]: What those after action reports look like on the top three issues, everywhere was communications, situation awareness and visibility.

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[SPEAKER_00]: We're talking about communications being just basic comms with everybody who's operating inside of a disaster zone.

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[SPEAKER_00]: The situational awareness is really just understanding what's happening in one and where and why, you know, and then predictively, you know, where it's going to happen next and be able to convey that through that communications link, you know, effectively.

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[SPEAKER_00]: And then we got the visibility.

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[SPEAKER_00]: I mean, I argue that this is also one of the most important.

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[SPEAKER_00]: We're talking about visibility of a person people on the ground.

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[SPEAKER_04]: And I think if nothing else.

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[SPEAKER_00]: And as we've seen, you know, we've, I've kind of tracked over the last five years.

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[SPEAKER_00]: We've had a significant amount of fatalities in the disaster space that kind of

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[SPEAKER_00]: You know, this is definitely not to point fingers, but there's definitely a gap there that needs to be filled in order to make sure that these these issues aren't repeated again, you know, or we're mitigating the risk to those.

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[SPEAKER_00]: So really, Vaxel was formed to create this product or the service that we called disaster field.

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[SPEAKER_00]: This is the world's first true blockchain base.

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[SPEAKER_00]: Global multi-user coordination system that is designed to be able to take down and knock down the silos around everybody who operates inside of it, you know, in the disaster space.

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[SPEAKER_00]: And we're talking about the readiness, response, and recovery side of that, not just one or the other.

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[SPEAKER_00]: not just a widget in the middle.

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[SPEAKER_00]: We're talking about the continuity of data transfer and communications throughout all those segments, whether you're a residential property owner, you're a business, you're a, you know, a mine and all the gas company and indigenous community or your municipality emergency management group, wildfire agency, you name it.

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[SPEAKER_00]: I realized that these problems, these three issues that exist didn't just exist only in Canada.

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[SPEAKER_00]: Originally, I thought it might have been siloed to a province.

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[SPEAKER_00]: I thought it might have been siloed even to the country.

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[SPEAKER_00]: No.

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[SPEAKER_00]: We're talking about U.S.

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[SPEAKER_00]: has exact same problems.

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[SPEAKER_00]: South America.

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[SPEAKER_00]: South America, Europe, you know, all over Australia.

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[SPEAKER_00]: We're having a much, much larger and more complex disaster in, you know, environments.

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[SPEAKER_00]: Sometimes we have floods and like we've seen in Edson, Alberta, you know, you have a fire and then three days later there's flood and then there's a fire again.

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[SPEAKER_00]: You know, so we have all these changing situations and environments.

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[SPEAKER_00]: And I guess, you know, that's really where this comes back around to is like, when I looked at what is my purpose and what is the purpose of

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[SPEAKER_00]: the our business to be able to create that environment where we can take the best of the best, um, whether it's military, it's fire, it's police, a lot of them have their career and they've done their twenty five thirty year career and they're still right to to offer more.

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[SPEAKER_00]: They still got another ten fifteen years in the tank.

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[SPEAKER_04]: When we first met, we started talking, I mean, you know, very well that I instantly got it, right?

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[SPEAKER_01]: Yeah.

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[SPEAKER_04]: And I'm thinking emergency management, two point old, awesome.

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[SPEAKER_04]: It's about time where if you've been for the last twenty years.

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[SPEAKER_01]: Yeah.

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[SPEAKER_04]: But it didn't take me too long to realize that that's just one part.

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[SPEAKER_04]: That's just one tiny piece.

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[SPEAKER_04]: And in this much, much larger climate resilience, community resilience, kind of conversation, right?

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[SPEAKER_00]: Yeah.

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[SPEAKER_00]: Yeah.

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[SPEAKER_04]: That's awesome.

17:31.579 --> 17:31.840
[SPEAKER_00]: I know.

17:31.880 --> 17:32.680
[SPEAKER_00]: And you know that.

17:32.700 --> 17:33.561
[SPEAKER_00]: Glad you found your purpose.

17:33.841 --> 17:39.547
[SPEAKER_00]: But no, I mean, it's one of these things where we, we all have to find a purpose and doesn't matter.

17:39.567 --> 17:41.549
[SPEAKER_00]: It doesn't matter what you do in this world.

17:42.089 --> 17:44.412
[SPEAKER_00]: It doesn't have to be specifically around what we're doing.

17:45.393 --> 17:53.521
[SPEAKER_00]: But everybody who can find their purpose and ask their why I think is going to have a much more enjoyable life as they move forward, right, a lot less strain and pain.

17:54.121 --> 18:06.113
[SPEAKER_00]: You know, if they're doing something because they're feeding that purpose and I think that's kind of the main takeaway and what's led to the disaster field show, you know, obviously coming online and being able to share these different experiences with everyone.

18:06.293 --> 18:09.896
[SPEAKER_00]: Everybody has a different story, but everybody also has a different purpose, right?

18:09.996 --> 18:16.663
[SPEAKER_00]: So that's really the main frame below the disaster field show why we're here today, why we're going to be here.

18:17.123 --> 18:33.391
[SPEAKER_00]: tomorrow and hopefully a you know episode one thousand is because we get to hear all these amazing these amazing stories and then draw the links of synergy between how can we learn from these stories how can we learn from all these different things and and be able to bring reliable solutions to the table to help many

18:33.511 --> 18:36.996
[SPEAKER_04]: I think when we get to episode one thousand, we should do it from a tropical location.

18:37.277 --> 18:40.402
[SPEAKER_04]: I had disaster and they've recovered from it successful.

18:40.462 --> 18:41.223
[SPEAKER_04]: I agree with that.

18:41.303 --> 18:44.668
[SPEAKER_00]: I'm voting for like an episode one hundred and that's all right.

18:44.708 --> 18:45.990
[SPEAKER_03]: Can we go have the ten?

18:46.071 --> 18:48.154
[SPEAKER_03]: Yeah, I can use the tropical vehicle right now.

18:49.195 --> 18:51.517
[SPEAKER_00]: Well, no, and so I mean, get into it.

18:52.278 --> 18:57.201
[SPEAKER_00]: We obviously have yourself new, you know, Steve Newton and Tulia Rose.

18:57.642 --> 18:59.063
[SPEAKER_00]: We have you guys here today.

18:59.083 --> 19:12.413
[SPEAKER_00]: You're, you know, I'm the host of the disaster field show obviously brought you guys in as co-host because you bring a wealth of knowledge to the table and not just the knowledge of the past, but like kind of where the world's going and how we're all

19:12.813 --> 19:19.375
[SPEAKER_00]: you know, kind of bringing our past and our stories and our experiences to the table today to say, how do we change tomorrow, right?

19:19.435 --> 19:24.476
[SPEAKER_00]: So I guess, you know, Newt, that's your name, that's your next name, so that's what it is.

19:24.496 --> 19:26.837
[SPEAKER_04]: And it's way easier to spell than Steve.

19:27.277 --> 19:28.857
[SPEAKER_00]: There's always a Steve, right?

19:28.957 --> 19:30.257
[SPEAKER_00]: There's never a Newt, so.

19:31.218 --> 19:40.320
[SPEAKER_00]: So Newt, like a little bit of your background, I guess, you know, twenty eight years in the, or I think it's twenty three years in directly working from the ground up,

19:41.180 --> 19:44.362
[SPEAKER_00]: While for operations, you work your way up.

19:44.723 --> 19:56.011
[SPEAKER_00]: You're now obviously in the very innovative space of understanding the new way that disaster is being managed and where it's going to go and really cut

19:57.018 --> 19:59.060
[SPEAKER_00]: you know, on where you see it in the future.

19:59.080 --> 20:03.984
[SPEAKER_00]: Why don't you give, uh, give us a little bit of a background like it might get in close or is it?

20:04.505 --> 20:19.217
[SPEAKER_04]: So if I had an elevator pitch, maybe it would be, uh, thirty eight plus years in emergency management, uh, tactical and strategic operations planning mostly, uh, with a really, really, really strong big case P passion for converging technologies.

20:20.358 --> 20:21.921
[SPEAKER_04]: emerging technologies and how to apply them.

20:22.081 --> 20:23.303
[SPEAKER_04]: That's kind of right.

20:23.403 --> 20:28.991
[SPEAKER_04]: So I can marry up the ground stuff with the tech stuff and plus time and government with the policy stuff.

20:29.232 --> 20:31.395
[SPEAKER_04]: So I see all the gaps.

20:32.296 --> 20:35.081
[SPEAKER_04]: So anyway, I guess you want to know a little bit about my story.

20:36.442 --> 20:46.908
[SPEAKER_04]: Well, it starts with probably one of the most fundamental values that I cherish the most, and that is helping somebody out, helping the neighbor.

20:47.348 --> 20:52.291
[SPEAKER_04]: Probably why we connected early on, we had that similar value even though we didn't really know it or formally identify it.

20:53.092 --> 21:01.737
[SPEAKER_04]: And one of my earliest memories is in the small town where I grew up, there was a landslide that came down and hit a house, and somebody, you know, there was a fatal.

21:02.897 --> 21:15.545
[SPEAKER_04]: And we went out and we grew a whole bunch of pumpkins and we walked around town, Montica's around with our little red wagon full of pumpkins and we sold them to everybody and then we donated eight dollars or eleven dollars or something like that to the family.

21:15.565 --> 21:20.728
[SPEAKER_04]: And then significant drop in the bucket, even back in the sixties, right?

21:21.568 --> 21:38.202
[SPEAKER_04]: but between that and just watching my parents all the time helping out the neighbors and sometimes did the detriment of the family because that was a priority that that just instilled that value so I went through the formative years and that shows not about this so that's a different podcast for sure

21:38.862 --> 21:43.346
[SPEAKER_04]: But it took me a while to get really focused on what I wanted to do.

21:44.027 --> 21:47.190
[SPEAKER_04]: And part of it was I thought, I need to get some education.

21:47.551 --> 21:48.632
[SPEAKER_04]: I need to go back to university.

21:49.052 --> 21:50.153
[SPEAKER_04]: Mom and dad can't afford it.

21:50.494 --> 21:51.334
[SPEAKER_04]: So I better get a job.

21:52.332 --> 21:52.792
[SPEAKER_04]: that I like.

21:53.553 --> 22:05.780
[SPEAKER_04]: And I thought back on a bunch of the stuff that I'd done in one year, back in the early eighties, I was doing a little bit of logging or something like that, working on the forest, and we got deployed to a wildfire by helicopter.

22:06.641 --> 22:16.067
[SPEAKER_04]: So when I came back to my kind of grown-up sort of life planning thing, and I'd already made the decision go back to school, I went out and I got a job fighting fire.

22:17.093 --> 22:18.394
[SPEAKER_04]: Um, and I was a little bit older.

22:18.414 --> 22:20.816
[SPEAKER_04]: I think it was twenty five or twenty six at the time.

22:20.896 --> 22:26.179
[SPEAKER_04]: So most of the people coming in were just, you know, the young call has a recruit going into boot camp, right?

22:26.219 --> 22:26.860
[SPEAKER_04]: For the first time.

22:26.880 --> 22:27.220
[SPEAKER_01]: Right.

22:27.580 --> 22:29.802
[SPEAKER_04]: Um, they didn't know what they didn't know, etc.

22:29.842 --> 22:30.882
[SPEAKER_04]: But I had a few skills.

22:31.283 --> 22:32.944
[SPEAKER_04]: I had some advanced first aid skills.

22:33.304 --> 22:41.409
[SPEAKER_04]: I had actually dealt with, uh, fatalities and, and the application of first aid and discovered really quick that, uh, I'm comfortable with stressful situations.

22:41.930 --> 22:46.433
[SPEAKER_04]: I can maintain my calm things become methodical based on how much training I've done, all that good stuff.

22:47.584 --> 22:55.312
[SPEAKER_04]: So I said wildfire, I applied for a job, and they said, no, we're not going to take you, but go talk to these guys.

22:55.812 --> 23:03.940
[SPEAKER_04]: So I went to talk to these guys who are in the wildfire business, a contractor, and then it put me in a helicopter repell crew.

23:04.241 --> 23:05.422
[SPEAKER_04]: No, well, which was awesome.

23:05.742 --> 23:08.485
[SPEAKER_04]: So I was, I had to say about sixty pounds later back then.

23:10.820 --> 23:12.402
[SPEAKER_04]: But anyway, so here I go.

23:13.423 --> 23:26.855
[SPEAKER_04]: I'm just having the time of my life on flying all over Western Canada and the helicopter repelling a couple hundred feet down into a thick mountainside looking at grizzly footprints of this big on the sand bars up north and things like that plus I got to use chainsaw and cut trees.

23:26.875 --> 23:28.717
[SPEAKER_04]: So it was just it was just awesome.

23:28.757 --> 23:31.560
[SPEAKER_04]: So I was hooked and every February

23:32.180 --> 23:35.104
[SPEAKER_04]: I'd start dreaming with one eye open about helicopters.

23:35.144 --> 23:35.865
[SPEAKER_04]: That was just my thing.

23:35.885 --> 23:38.008
[SPEAKER_04]: And then when the summer came off, I'd go, yep.

23:38.488 --> 23:47.900
[SPEAKER_04]: So I just worked my way up to the fire crews in one of the episodes coming up, you're going to meet one of my oldest dearest friends in this game because he's got something to share with us here in a while.

23:47.980 --> 23:48.982
[SPEAKER_04]: But anyway,

23:50.692 --> 23:52.113
[SPEAKER_04]: There was just a sense of camaraderie.

23:52.193 --> 23:59.435
[SPEAKER_04]: I would guess not unlike the military service you did, but we were sort of sort of paramilitary, but it was organized.

23:59.595 --> 24:00.335
[SPEAKER_04]: Anyway, it was all good.

24:00.776 --> 24:05.577
[SPEAKER_04]: You get that whole sort of lifelong friendship kind of, I got your back kind of thing, right?

24:05.617 --> 24:12.420
[SPEAKER_04]: So I worked my way up, and at one point I was a fire zone manager here in BC and I was the youngest one in the province.

24:13.440 --> 24:15.521
[SPEAKER_04]: And it wasn't because I was smarter, I knew what I was doing.

24:15.541 --> 24:21.644
[SPEAKER_04]: I was just kind of, I'm going to say lucky in a way that everyone just kind of aligned.

24:21.704 --> 24:26.827
[SPEAKER_04]: And I think the senior management saw that they had a bit of a diamond in the rough that they figured they should polish a bit.

24:26.867 --> 24:27.967
[SPEAKER_04]: So it was awesome.

24:28.407 --> 24:33.450
[SPEAKER_04]: So I happened to get one of the firesones that had the time had more larger fires and you'll even just want anything else.

24:33.870 --> 24:37.612
[SPEAKER_04]: So I got to learn the big, big multi-fire project management stuff real quick.

24:38.272 --> 24:41.313
[SPEAKER_04]: and all the players, all the old guys and gals in that game.

24:41.333 --> 24:44.933
[SPEAKER_04]: So that got me into the wildfire incident management team program.

24:45.493 --> 24:48.854
[SPEAKER_04]: So I did a bunch of those, you know, I had to type two team of my own.

24:49.314 --> 24:51.395
[SPEAKER_04]: I was on a couple of type one teams for a few years.

24:52.655 --> 24:57.056
[SPEAKER_04]: And then at some point, I got involved in some international program development.

24:57.076 --> 25:01.637
[SPEAKER_04]: So I did an awesome three month gig down in Malaysia and the island of Sabah.

25:01.817 --> 25:04.117
[SPEAKER_04]: There was a lot of us went down and I was the only field dummy.

25:04.177 --> 25:05.558
[SPEAKER_04]: Everybody else was from Victoria, right?

25:06.018 --> 25:07.438
[SPEAKER_04]: But what a great time, right?

25:08.458 --> 25:09.499
[SPEAKER_04]: and what a great learning thing.

25:10.980 --> 25:19.444
[SPEAKER_04]: I got, I went down to Nuevo Leon Monterey, Mexico for a couple weeks to do a bunch of training and leading up to that.

25:19.484 --> 25:21.986
[SPEAKER_04]: I learned enough Spanish to almost be dangerous.

25:22.786 --> 25:25.147
[SPEAKER_04]: I also learned that you never tell jokes in another country.

25:25.388 --> 25:27.909
[SPEAKER_04]: I wish if it's not yours because it doesn't translate over the right way.

25:27.929 --> 25:29.170
[SPEAKER_04]: That's very different story.

25:30.330 --> 25:31.591
[SPEAKER_04]: But anyway, it was awesome.

25:31.831 --> 25:36.753
[SPEAKER_04]: So I got to, you know, test a little bit of Spanish out and had a great time and that sort of thing.

25:36.773 --> 25:39.354
[SPEAKER_04]: And I kind of, I knew that this was kind of where I wanted to be.

25:40.535 --> 25:43.436
[SPEAKER_04]: And all along, I'd been really interested in technology.

25:43.536 --> 25:51.580
[SPEAKER_04]: So back in nineteen ninety two, an Excel two point old came out when everybody still trying to figure out how to add multiplied divide subtract.

25:51.900 --> 25:58.043
[SPEAKER_04]: I'm already using visual basic applications to build little macros on the side and user interfaces and stuff.

25:58.783 --> 26:00.644
[SPEAKER_04]: Not to be useful, just because it was cool to me, right?

26:00.764 --> 26:10.809
[SPEAKER_04]: But anyway, that got me into some real interesting projects that were sponsored by the European Space Agency around developing satellite technology out in the emergency management domain.

26:11.029 --> 26:11.309
[SPEAKER_01]: Oh well.

26:11.409 --> 26:13.230
[SPEAKER_04]: So, ESA, the European Space Agency...

26:15.371 --> 26:20.212
[SPEAKER_04]: through a contractor here in Canada, a defense contractor called McDonald's Douglas.

26:20.232 --> 26:29.815
[SPEAKER_04]: I don't know, sorry, McDonald's that while they came to us and BC Wompfire and said, we want to be part of this project.

26:29.855 --> 26:32.856
[SPEAKER_04]: We need an operational team to kind of do all the field testing stuff.

26:32.936 --> 26:36.297
[SPEAKER_04]: So the Victoria guys came to me because they knew my interests and background.

26:36.317 --> 26:39.457
[SPEAKER_04]: I said, color me in and that was just it.

26:39.517 --> 26:41.398
[SPEAKER_04]: So I got launched into a whole bunch of

26:42.645 --> 26:51.930
[SPEAKER_04]: leading edge emerging technologies at the time and I just love that space right and it really in a good way it damaged me for life because that today every day.

26:53.251 --> 27:02.316
[SPEAKER_04]: I'm always playing with something or learning something new or reading some blog posts or or talking to somebody through linked whatever right just following that kind of past your brain text.

27:02.783 --> 27:03.063
[SPEAKER_04]: Yeah.

27:03.283 --> 27:03.504
[SPEAKER_04]: Yeah.

27:03.684 --> 27:03.844
[SPEAKER_04]: Yeah.

27:04.204 --> 27:05.725
[SPEAKER_04]: I blame part of that on the music festival.

27:05.765 --> 27:07.706
[SPEAKER_00]: Let me ask you.

27:07.786 --> 27:10.889
[SPEAKER_00]: I want to ask you a question about that in going back on it.

27:11.809 --> 27:21.275
[SPEAKER_00]: You know, I guess the Malaysia experience, you know, when you're talking about growing up in in the emergency management space here and and that sort of stuff, what was what was Malaysia like like what

27:22.336 --> 27:49.229
[SPEAKER_04]: like how does that differ in in a grand way or are we seeing something similar culturally it's predominantly a muslim right down there so that's that's not downtown British Columbia or Canada right right but but I traveled the Fremont Southeast Asia you know with the backpack so I'm very comfortable around other countries very sensitive and tolerant you know I'm not not arrogant or or any of that sort of stuff so that's part of why they also picked me for that

27:50.923 --> 27:54.246
[SPEAKER_04]: The other interesting thing, there were some cool experiences that happened down there.

27:55.407 --> 28:11.682
[SPEAKER_04]: One of them was, because part of the project that I was assigned to down there included coming up with a prevention program, because they had what they called shifting cultivation, all the hillside farmers, rice farmers, were always burning the jungles, clearing them, burning them illegally.

28:12.763 --> 28:17.569
[SPEAKER_04]: So anyway, we went up to the northern tip of the island, and I could see some of the Philippine islands, which was kind of a cool thing for me.

28:18.530 --> 28:24.617
[SPEAKER_04]: And we had this meeting, and there was elders from several remote villages walked in.

28:24.637 --> 28:29.722
[SPEAKER_04]: And as I remember correctly, I think we had five different translators, so there's five different local dialects there.

28:31.103 --> 28:31.783
[SPEAKER_04]: And it was cool.

28:31.983 --> 28:41.166
[SPEAKER_04]: We met with them for a couple of days to get their input into what they thought the problems and the solutions were on this because they're farming for sustenance.

28:42.226 --> 28:43.827
[SPEAKER_04]: It's not a big commercial thing.

28:43.847 --> 28:45.848
[SPEAKER_04]: They got to live and this is what they got to do.

28:47.648 --> 28:52.873
[SPEAKER_04]: But, and we ate some local foods and as I understand it, some of the stuff that we ate is only available in that part of the world.

28:53.013 --> 28:53.253
[SPEAKER_00]: Right.

28:53.693 --> 28:54.714
[SPEAKER_04]: I'm a foodie as well, also.

28:54.734 --> 28:55.014
[SPEAKER_04]: Yeah.

28:55.054 --> 28:55.255
[SPEAKER_00]: Yeah.

28:55.635 --> 28:56.256
[SPEAKER_00]: Big jitter.

28:56.596 --> 28:57.537
[SPEAKER_00]: Big car fan.

28:57.697 --> 28:57.877
[SPEAKER_00]: So.

28:58.497 --> 29:07.485
[SPEAKER_04]: One of the elders through the translator, he actually came up to me and he said, when they were thinking, you know, that they were so honored that we would take the time to want to come and talk to them.

29:07.846 --> 29:08.026
[SPEAKER_01]: Right.

29:08.506 --> 29:09.727
[SPEAKER_04]: And that humbled me a little bit.

29:10.608 --> 29:11.008
[SPEAKER_04]: And, and.

29:12.168 --> 29:20.231
[SPEAKER_04]: When you go through that transition of being a young bone head and starting to mature and stuff, there's a few things once in a while that make you go, ah, I get it.

29:20.491 --> 29:21.871
[SPEAKER_00]: And that was one of the ones for me, right?

29:22.391 --> 29:33.175
[SPEAKER_00]: Well, some very, some very similar to that actually, when I was in Afghanistan, I also had like a medical, like I had a teacher of sea as cold, so tactical, calm, I casually care.

29:33.795 --> 29:41.644
[SPEAKER_00]: And it was kind of the same thing where it was like, you know, how I can relate to that is that it was like, we had this little girl I came to the fence one day or to the gate, right?

29:41.704 --> 29:44.567
[SPEAKER_00]: She's with one of the village elders, which was her grandfather.

29:45.408 --> 29:47.470
[SPEAKER_00]: And, you know, she had a big cut on her knee.

29:47.570 --> 29:49.772
[SPEAKER_00]: She obviously cut it on a fence or something like that.

29:50.553 --> 29:53.415
[SPEAKER_00]: Anyway, she came up and he just said, you know, we need medicine.

29:53.435 --> 29:54.536
[SPEAKER_00]: We need medicine, right?

29:54.596 --> 29:59.480
[SPEAKER_00]: So I obviously stitched up her knee, you know, got her all banished up and that sort of stuff.

29:59.861 --> 30:05.365
[SPEAKER_00]: And then we didn't have medicine to give to the locals, like we were in supposed to be giving a medicine.

30:05.385 --> 30:06.866
[SPEAKER_00]: We had some packs of titles and stuff.

30:07.507 --> 30:14.352
[SPEAKER_00]: But at that time, I didn't have a resupply yet of our medical stuff because this was like first, first month that we were on the ground there.

30:15.593 --> 30:18.234
[SPEAKER_00]: I had a big box because I love TikToks.

30:18.835 --> 30:26.898
[SPEAKER_00]: So I grabbed TikToks and I basically handed out these TikToks to them and said, take one a day for the next ten days of placebo.

30:27.098 --> 30:32.681
[SPEAKER_00]: And so this little girl came back and she was just right as rain, healthy as hell.

30:33.561 --> 30:40.564
[SPEAKER_00]: And this old village elder, this man comes up to me and just hands me like an old flip phone, right?

30:40.844 --> 30:44.106
[SPEAKER_00]: And gives it to me, doesn't say anything, gives me a flip phone and walks away.

30:45.006 --> 30:55.888
[SPEAKER_00]: and so then I give it to our interpreter and it was actually two days later we had a plugged in, sitting over top the, you know, beside our fridge or whatever in a little tent and it starts ringing.

30:55.988 --> 31:09.110
[SPEAKER_00]: So we get our interpreter on there and there's basically an attack that's being planned to basically overrun our position and this village elder, the Taliban were basically planning this attacking his village.

31:09.470 --> 31:12.431
[SPEAKER_00]: So he gave us a heads up so we could push out the Afghan National Army

31:13.151 --> 31:22.279
[SPEAKER_00]: And, you know, it was at that time, like, you know, from the time of, of helping that little girl, they delivered like grapes and watermelon, those side of our, I love watermelon, right?

31:22.299 --> 31:29.385
[SPEAKER_00]: So they're doing us baskets of grapes and watermelon, just because that little gesture and that little difference, like you were saying in Malaysia, right?

31:29.405 --> 31:36.891
[SPEAKER_00]: Like just simply being it showing an act of kindness can have like the world of difference for that person on the other side of the table.

31:37.131 --> 31:38.792
[SPEAKER_00]: Actively, you got two years.

31:39.533 --> 31:41.576
[SPEAKER_04]: And one multi-listened twice as much as you speak.

31:42.657 --> 31:53.211
[SPEAKER_00]: And it's a major takeaway that I mean sometimes even when we're dealing in the space that we're dealing in here right now and active listening to like, what are the people needing?

31:53.271 --> 31:54.012
[SPEAKER_00]: What are they wanting?

31:54.172 --> 31:56.075
[SPEAKER_00]: The basic understanding of like

31:56.695 --> 31:58.015
[SPEAKER_00]: Are they being heard, right?

31:58.095 --> 31:59.156
[SPEAKER_00]: So that's a big point.

31:59.176 --> 32:02.817
[SPEAKER_03]: Well, it's a very basic, like, I mean, we teach our kids this, right?

32:02.937 --> 32:04.217
[SPEAKER_03]: Treat people how you want to be treated.

32:04.337 --> 32:04.617
[SPEAKER_03]: Yeah.

32:04.717 --> 32:08.998
[SPEAKER_03]: So like, that's a, that's an experience that like, I practice every day in my role too.

32:09.038 --> 32:11.659
[SPEAKER_03]: Like, there's like, on paper, what do you do?

32:11.799 --> 32:13.239
[SPEAKER_03]: Somebody calls you with a claim.

32:13.439 --> 32:18.660
[SPEAKER_03]: But like, really at the end of the day, if you just go to your roots, like, how would I want to be treated right now?

32:18.680 --> 32:19.120
[SPEAKER_03]: Absolutely.

32:19.460 --> 32:20.981
[SPEAKER_03]: That's going to always bring you success.

32:21.021 --> 32:21.101
[SPEAKER_03]: Yeah.

32:21.121 --> 32:25.762
[SPEAKER_04]: And I think I can speak for Tulia when I say that we're both gravely disappointed that you didn't bring us TikTok.

32:28.123 --> 32:29.264
[SPEAKER_01]: to make me feel better.

32:29.284 --> 32:30.624
[SPEAKER_02]: Welcome to the show.

32:43.031 --> 32:43.732
[SPEAKER_04]: tie in the emergency.

32:43.892 --> 32:45.433
[SPEAKER_04]: Yeah, that's a big part of why I'm here.

32:45.493 --> 32:51.317
[SPEAKER_04]: So towards the end of my wildfire career, I spent the last four years managing the wildfire aviation program.

32:51.337 --> 32:55.200
[SPEAKER_04]: You know, I had a lot of experience with helicopters, operationally, of course.

32:55.400 --> 32:55.560
[SPEAKER_04]: Right.

32:55.880 --> 32:59.603
[SPEAKER_04]: And I'd done some air attack training with the fixed wing air tankers that dropped the return.

32:59.643 --> 33:03.686
[SPEAKER_04]: So so I understand that game fairly well or understood it and still do.

33:04.506 --> 33:06.227
[SPEAKER_04]: So I did that for four years.

33:06.327 --> 33:11.051
[SPEAKER_04]: And then at one point, I started looking at some of the big picture stuff that was going on that needed to happen.

33:11.191 --> 33:11.811
[SPEAKER_04]: And this was

33:14.382 --> 33:28.406
[SPEAKER_04]: Two thousand and eleven I thought there's an opportunity to go over to our provincial government's emergency program at that time it was called EMBC emergency management BC and really it was just like that cousin that nobody wants to invite to dinner.

33:28.446 --> 33:29.467
[SPEAKER_04]: It's a necessary person.

33:29.507 --> 33:32.067
[SPEAKER_04]: You have to invite them but you move them around to all the different tables.

33:32.087 --> 33:35.028
[SPEAKER_04]: You can see the adults except the elders.

33:35.368 --> 33:38.369
[SPEAKER_04]: We were moved from different ministries and stuff like that.

33:38.889 --> 33:43.371
[SPEAKER_04]: Well it evolved to become a stand-alone ministry because of of the growing need rate.

33:44.011 --> 33:50.354
[SPEAKER_04]: So I went over there for one year because I thought in my mind, these two organizations are going to come together.

33:50.394 --> 33:51.374
[SPEAKER_04]: They have to come together.

33:51.955 --> 33:55.976
[SPEAKER_04]: It's grossly inefficient for them to be operating a lot of how they do currently.

33:57.855 --> 34:00.616
[SPEAKER_04]: as their independent silos, which you sort of alluded to a little while ago.

34:01.436 --> 34:03.297
[SPEAKER_04]: And unfortunately, those silos are still kind of there.

34:03.417 --> 34:07.378
[SPEAKER_04]: But anyway, about six months in, I said, holy crap.

34:07.978 --> 34:10.679
[SPEAKER_04]: Is there ever a lot of work that needs to be done in this arena?

34:11.340 --> 34:14.381
[SPEAKER_04]: And I really like it because I'm back working with the communities.

34:14.801 --> 34:18.422
[SPEAKER_04]: And I'm working with the first nation communities and organizations.

34:18.462 --> 34:21.063
[SPEAKER_04]: And people that I'd worked with growing up through my wildfire thing.

34:21.783 --> 34:28.088
[SPEAKER_04]: So I did that for seven years as a regional manager, all hazards sort of subject matter expertise support and that sort of thing.

34:29.168 --> 34:30.749
[SPEAKER_04]: And then I made a decision to retire.

34:30.829 --> 34:35.193
[SPEAKER_04]: And I remember very clearly we were sitting on a lanae in Hawaii one morning.

34:36.153 --> 34:37.935
[SPEAKER_04]: We might have had some specialty on the goal.

34:38.915 --> 34:40.977
[SPEAKER_04]: And I was talking to my wife and I said, this is the year, right?

34:41.097 --> 34:42.759
[SPEAKER_04]: You know, I turned fifty five, got to go.

34:43.559 --> 34:51.646
[SPEAKER_04]: And so we picked a date and the only reason I hung out until May of that year was because a good friend of ours had just got a job basically to replace me.

34:52.087 --> 34:54.349
[SPEAKER_04]: So I did a little bit of overlap through the spring flooding season.

34:54.369 --> 34:57.571
[SPEAKER_04]: I just wanted to make sure, you know, I could do a little bit of a knowledge transfer with her.

34:59.395 --> 35:03.700
[SPEAKER_04]: And then I went, you know, Thursday was my last day Friday at noon.

35:03.720 --> 35:04.861
[SPEAKER_04]: I got a call Monday morning.

35:04.881 --> 35:06.042
[SPEAKER_04]: I was building my first client.

35:06.743 --> 35:10.627
[SPEAKER_04]: And I went in to set up the recovery operations for at that point.

35:10.667 --> 35:17.935
[SPEAKER_04]: What was the largest flood in the province and or flooding event in in recent BC history right down in the Grand Forks area.

35:18.075 --> 35:18.635
[SPEAKER_04]: Coony boundary.

35:18.655 --> 35:19.076
[SPEAKER_01]: Yeah.

35:19.576 --> 35:20.397
[SPEAKER_04]: And it hasn't stopped.

35:21.378 --> 35:32.805
[SPEAKER_04]: As soon as people that I'd worked with throughout my whole career, like all of the networks and lifelong friendships that I'd built and trust-based relationships, as soon as they knew that I was a consultant, they just started coming to me.

35:33.225 --> 35:35.966
[SPEAKER_04]: And to this day, like seven plus years later,

35:38.390 --> 35:40.310
[SPEAKER_04]: I'm still getting one or two or three calls a week.

35:40.771 --> 35:48.132
[SPEAKER_04]: You know, there's just so much going on and I'm at the point where a lot of the times I'll refer them on to somebody else because I don't have the cycles and where I'm not the right person for it.

35:48.272 --> 35:52.073
[SPEAKER_04]: I'm where what's your what's your company now called that you they have.

35:52.173 --> 35:53.553
[SPEAKER_04]: So it's called in emergence.

35:53.754 --> 35:53.994
[SPEAKER_04]: Okay.

35:54.514 --> 35:55.894
[SPEAKER_04]: And people go, huh?

35:56.314 --> 35:58.074
[SPEAKER_04]: Kind of a whiskey-tangle fox thing, right?

35:58.094 --> 35:58.655
[SPEAKER_04]: Yeah.

35:58.735 --> 35:59.695
[SPEAKER_04]: It's a tough one to spell.

36:00.495 --> 36:04.538
[SPEAKER_04]: Um, but that's okay because it was my wife's idea and she's waste smarter than I am, right?

36:05.058 --> 36:10.022
[SPEAKER_04]: She came up with the idea of tying in innovation and emergency.

36:10.282 --> 36:11.243
[SPEAKER_04]: Oh, yeah, in emergency.

36:11.283 --> 36:11.643
[SPEAKER_03]: Emergency.

36:11.663 --> 36:12.023
[SPEAKER_03]: I like that.

36:12.043 --> 36:13.665
[SPEAKER_03]: That's what I thought of too when I saw it on LinkedIn.

36:13.905 --> 36:14.305
[SPEAKER_04]: Thank you.

36:14.525 --> 36:15.246
[SPEAKER_04]: Branding works.

36:15.946 --> 36:17.347
[SPEAKER_03]: I got that.

36:17.407 --> 36:19.589
[SPEAKER_03]: I was like, I'm a sense innovation emergency.

36:19.769 --> 36:22.551
[SPEAKER_04]: I will buy her a really nice half bottle of wine for that.

36:24.303 --> 36:25.544
[SPEAKER_04]: He's going to, he's going to drink the other half.

36:25.564 --> 36:26.585
[SPEAKER_04]: He's going to drink the other half.

36:26.605 --> 36:27.366
[SPEAKER_01]: Yeah, I get the right ass.

36:27.446 --> 36:28.287
[SPEAKER_01]: He's left half.

36:29.147 --> 36:29.348
[SPEAKER_04]: Yeah.

36:29.368 --> 36:29.508
[SPEAKER_04]: Yeah.

36:29.968 --> 36:31.189
[SPEAKER_04]: So anyway, that's generally where we're here.

36:31.269 --> 36:42.960
[SPEAKER_04]: And then just to kind of wrap it up with with you and I in twenty twenty three in cloning in the North Central, Logan, here of British Columbia, there was a big fire and you know, a bunch of homescuffed burnt up and stuff like that.

36:43.000 --> 36:45.502
[SPEAKER_04]: And so they brought me into do some of the initial recovery planning.

36:46.603 --> 37:14.907
[SPEAKER_04]: and part of that process over the course of about seventy two hours while we built this plan was I found a couple of contract recovery managers guys that I knew knew their stuff and I guess you'd reach out to one of them because you had this great idea and he's a really nice guy in a smart guy but he knows what he doesn't know but he also was very very well of my interest and and capabilities and stuff around technology so they put us together and we started the conversation and here we are

37:15.447 --> 37:16.087
[SPEAKER_00]: Yeah, that's right.

37:16.147 --> 37:16.647
[SPEAKER_00]: That's the long.

37:16.687 --> 37:16.927
[SPEAKER_00]: Yeah.

37:17.147 --> 37:22.629
[SPEAKER_00]: I mean, I think the first time that we actually met up was at my demonstration that it did at the hall there.

37:22.829 --> 37:25.629
[SPEAKER_00]: The country, yeah, for for chief Lee there.

37:25.669 --> 37:28.810
[SPEAKER_00]: So yeah, it was a good good good connection point.

37:28.830 --> 37:30.310
[SPEAKER_00]: I'm glad we we stayed together.

37:30.350 --> 37:36.212
[SPEAKER_04]: And you know what, like, when I've been around this game, everybody's been looking for that elusive common operating picture.

37:38.044 --> 37:39.505
[SPEAKER_04]: for four to year or more years, right?

37:39.525 --> 37:46.730
[SPEAKER_04]: So it's agency started coming together and not communicating and not sharing good information and intelligence and stuff like that.

37:47.531 --> 37:53.875
[SPEAKER_04]: And there's been lots of attempts and there's some partial solutions out there and there's some software companies that they're all trying to come up with.

37:54.316 --> 37:55.557
[SPEAKER_04]: They think it is, right?

37:56.197 --> 38:02.762
[SPEAKER_04]: But there hasn't been anybody until this point that's been able to glue and stitch all that stuff together into one place.

38:03.122 --> 38:05.724
[SPEAKER_04]: They're all fighting for dominance, market dominance, market share.

38:06.144 --> 38:06.625
[SPEAKER_04]: You're not.

38:07.145 --> 38:10.487
[SPEAKER_04]: You're the guy that wants to sit on top and say, I don't really care who the market dominates is.

38:10.768 --> 38:16.151
[SPEAKER_04]: Yeah, we just want to lay the trash so that everybody can all come and share data and conversation situation awareness.

38:16.512 --> 38:19.034
[SPEAKER_00]: And everybody's everybody shares the same chain tracks.

38:19.074 --> 38:19.614
[SPEAKER_00]: That's what it is.

38:19.634 --> 38:20.595
[SPEAKER_00]: That's the amount of what you do.

38:20.635 --> 38:22.776
[SPEAKER_04]: No, man, that's what you've got.

38:23.056 --> 38:23.637
[SPEAKER_00]: Yeah, I'm like you.

38:23.957 --> 38:24.858
[SPEAKER_00]: Well, welcome to the show.

38:25.038 --> 38:25.658
[SPEAKER_00]: Thank you.

38:25.738 --> 38:27.239
[SPEAKER_00]: Thanks for joining us here.

38:27.319 --> 38:31.862
[SPEAKER_00]: And hopefully we'll be along in many episodes after this.

38:31.902 --> 38:35.225
[SPEAKER_04]: So what's really got me juiced about this apart from this is just fun stuff.

38:35.245 --> 38:35.445
[SPEAKER_00]: Yeah.

38:35.485 --> 38:42.650
[SPEAKER_04]: And you get to work with cool people is we're going to go down a path that I think we haven't even totally charted yet.

38:43.550 --> 38:47.213
[SPEAKER_04]: And it's just going to be the pursuit of knowledge which I thrive on anyway.

38:47.933 --> 38:50.554
[SPEAKER_04]: So we're just going to find some real interesting people to talk to.

38:51.235 --> 38:58.959
[SPEAKER_04]: And we're just going to try and paint a pretty good picture about what the current state is, what the future state needs to be, what some bridges or solutions are for that, et cetera.

38:58.999 --> 39:01.800
[SPEAKER_04]: Where the gaps are, all of that kind of stuff I think is going to come out of this.

39:01.900 --> 39:12.406
[SPEAKER_00]: I think as we go back to it and really, really kind of tying it all together, it is about every single person that comes with it, they come on the show and they come and talk about what they do.

39:12.546 --> 39:16.028
[SPEAKER_00]: Everybody has their own version, their own perception of reality, their own

39:16.768 --> 39:22.673
[SPEAKER_00]: you know, their own experience base, you know, and what they're, what they see the world looking like, right?

39:22.733 --> 39:34.983
[SPEAKER_00]: So what I'm encouraged is is that I believe that we can really become that platform that can allow anybody to come on, either you're, even if you don't, even if you don't agree with us, or you don't agree with anything.

39:35.143 --> 39:35.703
[SPEAKER_00]: Just come on.

39:36.183 --> 39:36.804
[SPEAKER_00]: Let's have a chat.

39:36.924 --> 39:37.525
[SPEAKER_00]: Let's have a chat.

39:37.545 --> 39:44.390
[SPEAKER_00]: There's usually a line of synergy and there's, yeah, there's a shared knowledge, you know, that everybody comes out of conversations like this.

39:44.450 --> 39:45.171
[SPEAKER_00]: So I

39:46.013 --> 39:49.436
[SPEAKER_04]: I was just going to say what's really got me juiced about where we're starting out with some of the stuff.

39:49.536 --> 39:52.038
[SPEAKER_04]: Yeah, it's Talia, but it's a good segue over to her.

39:52.058 --> 39:52.478
[SPEAKER_00]: Yeah.

39:52.558 --> 39:54.680
[SPEAKER_04]: However, that more insurance piece.

39:54.900 --> 39:55.160
[SPEAKER_04]: That's right.

39:55.180 --> 39:56.661
[SPEAKER_04]: I mean, I know a little bit about what's going on.

39:56.681 --> 40:07.590
[SPEAKER_04]: I'm not in that world, but boy, do I see the other side of it with all of these people when the community's get burnt up and they're, they're not fully insured or they're uninsured or they're a marginalized part of the population that's right.

40:07.630 --> 40:08.911
[SPEAKER_04]: Ford insures all of that stuff.

40:09.331 --> 40:09.572
[SPEAKER_04]: That's a

40:10.252 --> 40:13.656
[SPEAKER_04]: That's a really, really, really big kind of influencing thing.

40:13.676 --> 40:17.761
[SPEAKER_00]: I think I think it's I think it's very much the elephant in the room.

40:17.861 --> 40:22.426
[SPEAKER_00]: So it's the thing that everybody knows exists, but nobody really knows how to eat it.

40:22.627 --> 40:23.147
[SPEAKER_00]: You know what I mean?

40:23.167 --> 40:24.789
[SPEAKER_04]: So I don't think he's calling you an elephant.

40:24.809 --> 40:24.929
[SPEAKER_00]: Yeah.

40:25.390 --> 40:49.151
[SPEAKER_00]: Just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just, just,

40:49.851 --> 40:55.034
[SPEAKER_00]: You know, the fact that you just unapologetically going get it, right?

40:55.074 --> 41:09.022
[SPEAKER_00]: Like you work like an animal and you know, I really did inspire me and you know, that's kind of where, you know, I believe we stayed in touch because we both have, you know, obviously similar aspirations of seeing bigger and better things come to this world, right?

41:09.082 --> 41:16.346
[SPEAKER_00]: And you know, of course, you know, having, having moved to where you're at right now and I'll let you kind of introduce for you at.

41:17.287 --> 41:37.770
[SPEAKER_00]: It was really that that conversation that we had even just recently about insurance and where it's going right in and where these cross sections or these you know these crosswoods happen you know in emergency management public safety and how that's now it's it's undeniable it's it's it's a massive top topic of conversation and everybody's dinner table

41:38.290 --> 41:41.455
[SPEAKER_00]: is like my insurance is absolutely astronomical.

41:41.836 --> 41:45.321
[SPEAKER_00]: I mean, I was looking on a Facebook post to see yesterday and I got friends back up in Fort St.

41:45.341 --> 41:47.404
[SPEAKER_00]: John that are like, who do you use for insurance?

41:47.444 --> 41:51.890
[SPEAKER_00]: Like our insurance went from twenty one hundred thirty nine hundred like that one year.

41:51.970 --> 41:53.092
[SPEAKER_03]: No frames probably.

41:53.372 --> 41:53.793
[SPEAKER_03]: So yeah.

41:53.993 --> 42:12.968
[SPEAKER_00]: I think like being able to really flesh out, not only just being, you know, who you are, I think really having to have and explore that a lot more and get deeper into, you know, why what what people have for policies and a lot of people are walking blind in this world, just paying the bill, thinking that they're covered.

42:14.088 --> 42:22.450
[SPEAKER_00]: I really found that you had a deeper understanding of this space than the average person who's just trying to make a buck.

42:22.490 --> 42:32.912
[SPEAKER_00]: So this is really where purpose comes back into the conversation and where I believe you strategically align in the conversation of how these disasters are affecting all of us.

42:33.072 --> 42:36.112
[SPEAKER_00]: And I guess give us a little bit of a background.

42:36.172 --> 42:38.593
[SPEAKER_00]: It's like, well, why did you come here?

42:40.225 --> 42:49.993
[SPEAKER_03]: Well, yeah, so I mean, when I first met Cole, I mean, I was first of all, I'm very drawn to passion, driven people, projects.

42:50.093 --> 42:53.556
[SPEAKER_03]: I think some of the coolest and most innovative businesses.

42:56.434 --> 43:00.016
[SPEAKER_03]: houses and buildings and companies are all passion driven.

43:00.096 --> 43:02.017
[SPEAKER_03]: Like, it can't be financially driven.

43:02.057 --> 43:03.297
[SPEAKER_03]: It can't be like, I want to make money.

43:03.638 --> 43:06.039
[SPEAKER_03]: It has to be driven from some depth of passion.

43:06.319 --> 43:10.021
[SPEAKER_03]: And so when I first met Cole, that was the first thing that aligned.

43:10.061 --> 43:17.965
[SPEAKER_03]: Was I just saw this hard worker had really been through a lot, had dabbled in a lot of different things.

43:18.325 --> 43:21.106
[SPEAKER_03]: But ultimately had this really passion driven focus.

43:21.346 --> 43:23.047
[SPEAKER_03]: And that's how I've always been, too.

43:24.528 --> 43:26.290
[SPEAKER_03]: I mean, a bit of background about me.

43:26.591 --> 43:30.515
[SPEAKER_03]: I have kind of, I've done a lot of different things in my career.

43:30.535 --> 43:32.297
[SPEAKER_03]: I really wanted to be a lawyer.

43:33.078 --> 43:36.783
[SPEAKER_03]: That didn't end up fully panning out because I decided to actually just have kids instead.

43:36.923 --> 43:38.405
[SPEAKER_00]: We got Chad, you can T now anyway.

43:39.225 --> 43:41.268
[SPEAKER_00]: Yeah, I got my little legal assistant there.

43:41.508 --> 43:42.209
[SPEAKER_00]: He's helping me out.

43:42.249 --> 43:42.670
[SPEAKER_00]: Exactly.

43:42.690 --> 43:42.990
[SPEAKER_00]: He told me.

43:44.211 --> 43:44.592
[SPEAKER_03]: Totally.

43:45.032 --> 43:48.995
[SPEAKER_03]: Yeah, so, um, but I mean, sales was definitely a big, a big focus in mind.

43:49.035 --> 43:58.083
[SPEAKER_03]: That's when when we met Cole, I was working, um, sales for an LED lighting technology company, uh, focusing a lot on commercial LED lighting as well as cannabis.

43:58.343 --> 44:00.845
[SPEAKER_03]: Um, so we were doing a lot of work in the cannabis space.

44:01.445 --> 44:05.028
[SPEAKER_03]: And, and my biggest focus has always been just customer relations.

44:05.128 --> 44:09.832
[SPEAKER_03]: So like, how can I differentiate myself from somebody else and how can I really just, um,

44:10.873 --> 44:14.016
[SPEAKER_03]: give this higher level of customer service to these people.

44:14.096 --> 44:15.357
[SPEAKER_03]: True people how I want to be treated.

44:15.497 --> 44:16.878
[SPEAKER_03]: Take care of people how I want to be treated.

44:16.938 --> 44:23.904
[SPEAKER_03]: So that was kind of I actually stayed home for eight years and raised my kids until they were a little bit older.

44:23.924 --> 44:27.046
[SPEAKER_03]: And then that's when I decided to get back into the workforce.

44:27.106 --> 44:36.014
[SPEAKER_03]: So I took quite a break and it was a little bit challenging to get back in and kind of be like, oh, do I even remember what I'm good at here other than changing diapers and cooking meals for everybody?

44:37.034 --> 44:46.760
[SPEAKER_03]: But that's when I kind of started to rediscover some of the things about myself that kind of differentiated myself and made me, made me excel at anything I really actually put my mind to.

44:46.880 --> 44:51.362
[SPEAKER_03]: So a couple of years ago, I was just really looking for some...

44:53.283 --> 44:56.046
[SPEAKER_03]: Again, just passion, driven career.

44:56.086 --> 44:57.087
[SPEAKER_03]: I wanted stability.

44:57.107 --> 44:59.650
[SPEAKER_03]: I wanted something that was recession proof.

44:59.770 --> 45:02.273
[SPEAKER_03]: I didn't want to necessarily know who's writing my paycheck.

45:02.353 --> 45:06.878
[SPEAKER_03]: I had worked for, you know, family members and spouse, ex spouse.

45:06.938 --> 45:09.300
[SPEAKER_03]: And I really just wanted to do my own thing.

45:09.661 --> 45:13.385
[SPEAKER_03]: And so I decided, like, started doing some research.

45:13.425 --> 45:14.866
[SPEAKER_03]: I was like, hey, insurance, like,

45:15.547 --> 45:16.988
[SPEAKER_03]: It's it's recession proof.

45:17.108 --> 45:32.557
[SPEAKER_03]: It's a place where I can really apply this heightened level of customer service and hopefully it would be more valued because I'm working with people and trying to protect their assets, their personal belongings, their homes, their families, their liability like that to me was like it really aligned.

45:33.317 --> 45:34.418
[SPEAKER_03]: So I kind of just

45:35.038 --> 45:36.098
[SPEAKER_03]: took a deep dive.

45:36.118 --> 45:37.299
[SPEAKER_03]: I was like, how do I get in here?

45:37.319 --> 45:39.819
[SPEAKER_03]: I had a girlfriend who was working for Hub International.

45:39.859 --> 45:40.539
[SPEAKER_03]: I reached out to her.

45:41.100 --> 45:42.440
[SPEAKER_03]: How can I get into the insurance space?

45:43.240 --> 45:47.561
[SPEAKER_03]: And so she actually got me the fundamentals of insurance book.

45:48.262 --> 45:49.382
[SPEAKER_03]: And I studied that for about a month.

45:50.002 --> 45:54.463
[SPEAKER_03]: And then I got an interview and I went in just strong and said, hey, I've been studying this book.

45:54.583 --> 45:57.144
[SPEAKER_03]: I'm ready to challenge my level one license.

45:57.584 --> 46:18.853
[SPEAKER_03]: and they were kind of blown away like nobody does that usually people just get hired and then say now I can get paid to do my licensing and I was very driven and motivated of course I have two kids that are my why and my passion and I'm like I want to give these guys the best life that they deserve and I want to stand on my own two feet I've always been fiercely independent like that and I just saw an opportunity to really just

46:19.896 --> 46:20.657
[SPEAKER_03]: set the stage.

46:20.717 --> 46:22.338
[SPEAKER_03]: Like how can I run in this space?

46:22.378 --> 46:26.100
[SPEAKER_03]: So yeah, so I got my level one license within a week of joining hub.

46:28.122 --> 46:35.647
[SPEAKER_03]: And then jumped right into my level two license, which level two license basically just gives you the ability to talk about insurance outside of the four walls of an office.

46:36.127 --> 46:39.610
[SPEAKER_03]: So you don't have to have policies signed off by another broker.

46:39.710 --> 46:41.311
[SPEAKER_03]: You can really just do your own thing.

46:41.811 --> 46:47.356
[SPEAKER_03]: And that's where I knew I was going to excel was being able to go like a strong suit of mine as I'll talk to anybody.

46:47.376 --> 46:49.378
[SPEAKER_03]: I am fearless like that.

46:49.458 --> 46:55.103
[SPEAKER_03]: There's not many situations like you couldn't throw me into a room and I would just be able to make friends and have conversations.

46:55.523 --> 46:56.644
[SPEAKER_03]: Most of the time you're going to tell me.

46:59.867 --> 47:06.373
[SPEAKER_03]: So that was, I was like, I definitely can't be limited to like only being able to talk about insurance within these four walls.

47:06.393 --> 47:10.056
[SPEAKER_03]: So that was really motivated me to just run at that.

47:10.096 --> 47:15.821
[SPEAKER_03]: So I got my level two license within five months because I was like, I'm not gonna be successful sitting in this office.

47:16.762 --> 47:19.184
[SPEAKER_03]: And that gave me the ability to like, you know, go out and talk.

47:19.224 --> 47:21.226
[SPEAKER_03]: I can be on the soccer field, watch my kid play soccer.

47:21.246 --> 47:24.829
[SPEAKER_03]: And I can be talking to other people and scoping out different opportunities.

47:26.270 --> 47:29.793
[SPEAKER_03]: Initially, they actually kind of saw my boss, Carrie McLaughlin.

47:29.813 --> 47:30.453
[SPEAKER_03]: She's amazing.

47:31.013 --> 47:35.076
[SPEAKER_03]: She saw something in me that I kind of had forgotten that I even possessed.

47:35.776 --> 47:44.102
[SPEAKER_03]: And she said, I've been searching for somebody to be like our high value homeowner, like our high value private client team lead for the interior region.

47:44.662 --> 47:59.858
[SPEAKER_03]: And I was like, me though, like, you know, not a lot of insurance experience just licensed, but yeah, I think her seeing that in me really instilled that confidence that I've been missing for a long time over like staying home and raising babies and I was like, yeah, I can do that.

48:00.278 --> 48:03.121
[SPEAKER_03]: So right out the gate, I was designated as

48:03.742 --> 48:06.844
[SPEAKER_03]: home high high value team lead for the interior region.

48:07.344 --> 48:08.004
[SPEAKER_03]: I was working.

48:08.124 --> 48:14.768
[SPEAKER_03]: I was the only personalized agent that was working out of our commercial and employee benefits office, facilitating referrals from our commercial team.

48:14.788 --> 48:21.592
[SPEAKER_03]: So commercial team gets big business owners, lots of the time those guys own high value homes across province.

48:21.632 --> 48:25.594
[SPEAKER_03]: So sometimes they have like a primary home in Alberta and a seasonal home on Cal Lake.

48:25.634 --> 48:29.676
[SPEAKER_03]: And so that was that was kind of what brought me into it.

48:29.797 --> 48:29.897
[SPEAKER_03]: And

48:31.137 --> 48:36.459
[SPEAKER_03]: When you're working with homeowners, it is a very heightened level of personal assets.

48:36.639 --> 48:40.181
[SPEAKER_03]: We're working with, again, people's liability, high value carriers.

48:40.641 --> 48:43.262
[SPEAKER_03]: They're offering kidnapping, ransom protection.

48:43.582 --> 48:46.924
[SPEAKER_03]: There's protection for your kids going to school overseas.

48:47.844 --> 48:50.165
[SPEAKER_03]: We're protecting valuable articles, aviation boats.

48:52.506 --> 48:54.288
[SPEAKER_03]: yachts like all the things.

48:54.368 --> 48:59.612
[SPEAKER_03]: So I jumped right into actually doing the private risk management academy certification.

48:59.692 --> 49:02.214
[SPEAKER_03]: So I just recently obtained that certification.

49:02.234 --> 49:06.297
[SPEAKER_03]: So now I have my full CPRA designation, which is super cool.

49:06.357 --> 49:13.403
[SPEAKER_03]: So that's the chartered private risk insurance advisor, which is a lot more specialized towards like high value homes.

49:14.123 --> 49:18.747
[SPEAKER_03]: But throughout that, I realized that commercial insurance was the space for me.

49:19.007 --> 49:19.147
[SPEAKER_03]: So

49:19.908 --> 49:21.588
[SPEAKER_03]: I want to be able to talk to anybody.

49:21.648 --> 49:29.110
[SPEAKER_03]: I want to be able to source business as authentically as possible, which means walking into places, cold calling, talking to everybody I possibly can.

49:29.130 --> 49:33.011
[SPEAKER_03]: And in home insurance, it's just a little bit harder.

49:33.051 --> 49:36.752
[SPEAKER_03]: There's privacy laws that kind of inhibit you from being able to just really chase stuff.

49:37.472 --> 49:41.993
[SPEAKER_03]: And you kind of need, like, it takes time to build in that space.

49:42.033 --> 49:46.514
[SPEAKER_03]: Whereas with commercial, I'm like, my strong suit is I'm not just going to sit at my desk and wait for people to come to me.

49:46.534 --> 49:49.375
[SPEAKER_03]: And in commercial, I can really just chase what I want.

49:50.115 --> 49:53.858
[SPEAKER_03]: So that's when I kind of decided that that was gonna be a better space for me.

49:53.918 --> 50:02.843
[SPEAKER_03]: I had this experience under my belt now working with these high value clients, you know, lots of money, big homes, lots of assets.

50:03.684 --> 50:09.287
[SPEAKER_03]: I learned a lot about just like the ins and outs and how I can differentiate myself in the commercial space.

50:09.347 --> 50:12.930
[SPEAKER_03]: So that was a recent pivot for me and it's been really cool.

50:13.750 --> 50:17.793
[SPEAKER_03]: I absolutely love the idea of being able to set myself apart from other

50:18.633 --> 50:31.268
[SPEAKER_03]: brokers, I think that that's like what I've seen the biggest discrepancy in this space is and like Newt said like the the broker is the liaison between the insurance company and the end user.

50:31.889 --> 50:37.716
[SPEAKER_03]: So like at the end of the day, lots of the time, nobody who has an insurance policy ever talks to their insurance company.

50:37.956 --> 50:38.477
[SPEAKER_00]: No, of course not.

50:38.657 --> 50:44.164
[SPEAKER_03]: Maybe in a claim scenario, you're going to get in touch with an adjuster, but you're never going to be talking to an underwriter.

50:44.684 --> 50:46.627
[SPEAKER_03]: So that is my job, right?

50:46.707 --> 50:53.896
[SPEAKER_03]: Is to really be advocating for my clients, understanding what their exposures are, what their risks are, and advocating for them.

50:54.888 --> 50:55.609
[SPEAKER_00]: Yeah, for sure.

50:55.809 --> 51:01.993
[SPEAKER_00]: Give me, I want to touch on that quickly because we recently had a, a little scenario that came up that you were mentioned.

51:02.434 --> 51:05.916
[SPEAKER_00]: Some boat like the earthquake policy like, yeah, you saw them as simple.

51:05.936 --> 51:13.962
[SPEAKER_00]: There's a small is that can you explain that a tiny bit like just how people might be unsuspecting on how their policies might not.

51:14.002 --> 51:14.623
[SPEAKER_00]: Absolutely.

51:14.663 --> 51:19.887
[SPEAKER_03]: I think I mean, to be honest, I think most of the time, I will say people don't even read their policies.

51:20.167 --> 51:20.587
[SPEAKER_00]: Yeah, of course.

51:20.687 --> 51:23.708
[SPEAKER_03]: So they are, they are just trusting their broker.

51:24.589 --> 51:27.190
[SPEAKER_03]: And I mean, are you talking about like the disaster relief?

51:27.210 --> 51:40.255
[SPEAKER_00]: I'm just talking about like the part where, you know, you maybe want to save a couple of dollars, but don't realize like, you know, when these, we're talking about these line of synergies between government assistance, you know, or like relief assistance and that sort of stuff.

51:40.755 --> 51:42.436
[SPEAKER_00]: And how that actually pertains to your policy.

51:42.476 --> 51:45.717
[SPEAKER_00]: Like I've that found that extremely fascinating when we, when you brought that up.

51:45.758 --> 51:46.938
[SPEAKER_00]: Totally recently here.

51:46.978 --> 51:52.401
[SPEAKER_03]: Yeah, and I mean, so in the home insurance space, I'll say anyways, with earthquake a lot of the time, and we're in Klona, right?

51:52.441 --> 51:54.282
[SPEAKER_03]: So like earthquakes aren't a massive risk here.

51:55.063 --> 51:56.844
[SPEAKER_03]: It's still a risk.

51:56.884 --> 51:57.844
[SPEAKER_03]: It could still happen.

51:58.204 --> 52:05.208
[SPEAKER_03]: Like like lots of the time, your policy premium is going to be associated with the likelihood of it occurring and how likely it is that it's going to occur.

52:05.248 --> 52:09.371
[SPEAKER_03]: So you're going to pay a way higher premium during for earthquake on the coast than you are in Klona here.

52:10.011 --> 52:29.455
[SPEAKER_03]: A lot of the time people will just deny the like earthquakes and optional coverage on a whole see they'll just be like no I don't need earthquake and I would always say because for me to I'm a big advocate that like you need to have all the information if you have all the accurate information you get to make a decision based on having all the information

52:29.615 --> 52:30.576
[SPEAKER_03]: That's your choice, right?

52:30.676 --> 52:40.684
[SPEAKER_03]: So I'm going to tell you what when earthquake would impact you when you would want to have that coverage and you know how much it's going to cost and any other thing that's linked to that.

52:40.764 --> 52:46.489
[SPEAKER_03]: So like for instance, and we just talked about this with flood and earthquake coverage lots of the time they're linked to disaster funding.

52:46.589 --> 52:50.432
[SPEAKER_03]: So if and then this we saw this a lot in the hope merit floods.

52:50.713 --> 52:50.873
[SPEAKER_01]: Right.

52:51.333 --> 52:57.296
[SPEAKER_03]: And a lot of the time, even just for attendance policies or condo policies, people will say, well, I'm on the fourth floor.

52:57.316 --> 52:58.736
[SPEAKER_03]: I don't need flood coverage.

52:59.116 --> 53:01.097
[SPEAKER_03]: Like, nothing's going to happen to my stuff.

53:01.137 --> 53:02.037
[SPEAKER_03]: I'm way up on the fourth floor.

53:04.112 --> 53:08.215
[SPEAKER_03]: Lots of the time people have never been asked, well, what, like, I understand that.

53:08.255 --> 53:11.817
[SPEAKER_03]: And I hear that you're saying, you know, your couch and your bed and your clothes would be fine.

53:12.277 --> 53:14.058
[SPEAKER_03]: But what if you can't access your unit?

53:14.278 --> 53:14.518
[SPEAKER_02]: Right.

53:14.598 --> 53:15.059
[SPEAKER_03]: Then what?

53:15.359 --> 53:23.704
[SPEAKER_03]: And people are like, oh, yeah, I never thought about that because if you don't have flood coverage and a flood makes it so that you can't access your unit, you have no additional living expenses.

53:24.244 --> 53:25.165
[SPEAKER_03]: So where are you going?

53:25.385 --> 53:31.210
[SPEAKER_03]: And who's going to pay for your evacuation and where you're going to stay until you can get back into your home?

53:31.250 --> 53:34.112
[SPEAKER_03]: Like, yes, your assets and your things are all going to be okay.

53:34.292 --> 53:34.613
[SPEAKER_04]: Yeah.

53:34.633 --> 53:36.914
[SPEAKER_04]: Can I get a point of clarity there?

53:36.954 --> 53:37.095
[SPEAKER_03]: Yeah.

53:37.415 --> 53:39.096
[SPEAKER_04]: So I think what I heard you just say was

53:40.557 --> 53:43.519
[SPEAKER_04]: Uh, your home may not be in a floodplain or at risk from flood.

53:44.199 --> 53:49.542
[SPEAKER_04]: But if for some reason, you can't go home and you have to, you know, say it's the only bridge gets wiped out.

53:49.602 --> 53:49.923
[SPEAKER_04]: Totally.

53:50.003 --> 53:52.104
[SPEAKER_04]: And you can't get in for thirty to sixty days.

53:52.124 --> 53:57.627
[SPEAKER_03]: If the peril is flood and you don't have flood on your policy, your additional living expenses.

53:57.687 --> 53:58.467
[SPEAKER_04]: I think it's explained.

53:58.527 --> 54:02.109
[SPEAKER_00]: No, and I think that does not cover it enough even with the wildfire threats.

54:02.129 --> 54:05.011
[SPEAKER_00]: So we have a lot of people say, Oh, well, I'm not up on the hill.

54:05.071 --> 54:08.073
[SPEAKER_00]: I'm not back in the in the rural areas or on the woody line.

54:08.533 --> 54:11.235
[SPEAKER_00]: you know, um, you know, I'm not, I'm not at risk.

54:11.275 --> 54:24.225
[SPEAKER_00]: And it's like, well, you, if you're community, if your whole area gets, you know, activated and you're having to cover big living expenses, especially when you're moving live stalk and you're moving, like, all these vehicles and all that stuff, like, there's, there's a massive effect to that, right?

54:24.245 --> 54:25.265
[SPEAKER_00]: That doesn't get covered.

54:26.686 --> 54:31.090
[SPEAKER_03]: And then another twist to that is that like I said, they're all tied to disaster funding.

54:31.150 --> 54:37.895
[SPEAKER_03]: So in open merit, there was a lot of people who were probably living an apartment and they said, oh, yeah, I don't need flood.

54:37.935 --> 54:39.757
[SPEAKER_03]: And their broker said, OK, no problem.

54:40.177 --> 54:41.358
[SPEAKER_03]: No flood on the policy.

54:41.759 --> 54:42.960
[SPEAKER_03]: And then these floods happened.

54:43.300 --> 54:48.024
[SPEAKER_03]: A, these people do not have coverage for additional living expenses when they're misplaced from their home.

54:48.464 --> 54:52.127
[SPEAKER_03]: But when the government launched them disaster relief funding, they weren't eligible.

54:52.387 --> 54:52.607
[SPEAKER_02]: Right.

54:52.767 --> 54:54.889
[SPEAKER_03]: So that goes hand in hand with, and earthquakes a big one.

54:54.929 --> 55:00.933
[SPEAKER_03]: So like in Kelona, I would always say to people, let's at least see what the premium is associated with the coverage, right?

55:00.953 --> 55:17.424
[SPEAKER_03]: Like, and on like a, on like a tenons policy, people are like, no, I don't need earthquake, and I'm like, okay, I totally hear that, but you know what, what I always tell people, and I don't know if anybody's ever talked to you about this before, but like if you this coverage is available to you and you decline it, and that happens, you're not eligible for any disaster really funding either.

55:17.525 --> 55:17.745
[SPEAKER_03]: So

55:18.165 --> 55:20.186
[SPEAKER_03]: for that without being said, let's at least see.

55:20.246 --> 55:26.247
[SPEAKER_03]: And if and lots of the time, if it's six hundred dollars fair, you're going to choose to opt out of that coverage.

55:26.287 --> 55:28.028
[SPEAKER_03]: But if it's forty two bucks for the year.

55:28.808 --> 55:29.248
[SPEAKER_04]: Exactly.

55:29.288 --> 55:29.468
[SPEAKER_03]: Right.

55:29.748 --> 55:30.028
[SPEAKER_04]: Yeah.

55:30.368 --> 55:36.170
[SPEAKER_04]: So last three weeks, I've done some recovery planning for communities that got burned over into other provinces.

55:36.830 --> 55:42.892
[SPEAKER_04]: And part of that for me is a deep dive into the legislation and the regulations and the programs and policies and stuff that came out of it.

55:43.632 --> 55:45.433
[SPEAKER_04]: And I can tell you a general observation.

55:46.933 --> 55:56.199
[SPEAKER_04]: In terms of all the provinces where I've dealt with, is yes, the provincial or territorial government may have some sort of a, I'll call it a disaster financial assistance plan, right?

55:56.219 --> 55:56.999
[SPEAKER_04]: Right.

55:57.519 --> 56:02.482
[SPEAKER_04]: It's typically almost exclusively for uninsurable perils.

56:02.943 --> 56:06.105
[SPEAKER_04]: So using wildfires, an example, wildfire is insurable.

56:07.365 --> 56:09.947
[SPEAKER_04]: If you live in a town with a fire department coverage, that's one cost.

56:10.327 --> 56:15.630
[SPEAKER_04]: If you live away on the middle of rural nowhere with no coverage, that's a way different cost, right?

56:15.810 --> 56:17.211
[SPEAKER_04]: Unstandable to risk-based thing.

56:17.831 --> 56:26.596
[SPEAKER_04]: But what I've also discovered is the majority of these provincial and territorial government financial assistance programs for this sort of stuff.

56:28.209 --> 56:29.050
[SPEAKER_04]: pretty outdated.

56:29.390 --> 56:30.591
[SPEAKER_04]: So one of them had a cap.

56:30.891 --> 56:37.055
[SPEAKER_04]: So the maximum that anybody could have gone paid out if they were eligible for it was two hundred fifty thousand bucks.

56:37.695 --> 56:40.958
[SPEAKER_04]: You can barely put a foundation in on a big house for that kind of money.

56:40.978 --> 56:44.660
[SPEAKER_00]: This is why that's not a gap.

56:45.180 --> 56:46.401
[SPEAKER_00]: That's not being talked about a lot.

56:46.441 --> 56:47.722
[SPEAKER_00]: It's just a cost of replacement.

56:47.762 --> 56:48.843
[SPEAKER_00]: You know nowadays and and

56:49.423 --> 57:04.291
[SPEAKER_00]: You know, and I guess going back to it, it really is about, um, it is about drawing these lines together and being able to like have a full understanding as the average, like property owner, you know, or rent or even like in these different areas that you're exposed to these risks, right?

57:04.331 --> 57:10.014
[SPEAKER_00]: Whether it's down in the hope where it's, you know, like we just seen an in, uh, in shoeshop or what we're seeing.

57:10.054 --> 57:13.476
[SPEAKER_00]: And yeah, northern Saskatchewan and Manitoba at the moment right now, right?

57:13.776 --> 57:15.217
[SPEAKER_00]: Or the US, I mean, can draw.

57:15.717 --> 57:18.058
[SPEAKER_00]: can't throw a stone without hitting a major disaster right now.

57:18.138 --> 57:26.481
[SPEAKER_00]: But no, I think that it's, I think it's really, it's really unique in how we draw, like we call it the triangle, right?

57:26.501 --> 57:38.585
[SPEAKER_00]: So how we're basically trying to be able to bring a little bit of understanding between how these things intersect between government, insurance, or government agencies, they should say, insurance and the private public sector, right?

57:39.846 --> 57:41.587
[SPEAKER_00]: Again, thank you for being on the show.

57:41.727 --> 57:42.168
[SPEAKER_00]: Absolutely.

57:42.628 --> 57:47.834
[SPEAKER_04]: Okay, so one of the things you guys will come to learn about me is I love it when a rabbit hole opportunities open up.

57:48.014 --> 57:55.361
[SPEAKER_04]: Yeah, I'm usually pretty good at coming back on focus, but I'm gonna take this one here because we've been talking almost exclusively about

57:56.321 --> 58:02.946
[SPEAKER_04]: the challenges of the homeowner, the insurance policy holder, you know, and that could be commercial or industrial organizations, right?

58:02.987 --> 58:04.167
[SPEAKER_04]: Whatever doesn't really matter that much.

58:04.788 --> 58:10.232
[SPEAKER_04]: But there's two other people in this triangle, and you just identify them, one is government, one is insurance industry.

58:11.373 --> 58:18.679
[SPEAKER_04]: And I can tell you those two based on what I've experienced and what I've been researching is they don't really talk well together, the insurance.

58:19.560 --> 58:24.322
[SPEAKER_04]: company back in the insurance industry back in the day, you know, things were fairly predictable.

58:24.362 --> 58:28.965
[SPEAKER_04]: We didn't have a whole lot of sort of climate change going on and those sorts of things.

58:28.985 --> 58:35.388
[SPEAKER_04]: So they had a lot of historical data and the accessories could based their calculations for annual premiums based on historical events, right?

58:36.088 --> 58:37.529
[SPEAKER_04]: And there just wasn't as many things happening.

58:37.549 --> 58:41.451
[SPEAKER_04]: There wasn't as many houses being lost to wildfire or flood as an example, right?

58:41.991 --> 58:43.432
[SPEAKER_04]: So fast forward to today.

58:44.392 --> 58:52.637
[SPEAKER_04]: What I can tell and to lay a please enlighten me on this, but I see the whole insurance industry is up in a ray because they're having huge payouts.

58:53.337 --> 58:55.018
[SPEAKER_04]: And they're trying to respond.

58:55.058 --> 58:56.219
[SPEAKER_04]: They still want to be in the market.

58:56.239 --> 58:59.741
[SPEAKER_04]: They still want to provide the service to help protect people's assets.

59:00.641 --> 59:03.624
[SPEAKER_04]: But it's becoming very cost prohibitive for them to do that.

59:04.565 --> 59:08.108
[SPEAKER_04]: And this is where I introduce that, one of my favorite cool tiers.

59:09.549 --> 59:14.394
[SPEAKER_04]: The definition of insanity is doing the same thing over and over again, and expecting different results every time, right?

59:14.634 --> 59:21.540
[SPEAKER_04]: So they've been using these historical insurance practices to try and calculate what next year's premium rates are going to be, and it just doesn't work anymore.

59:21.840 --> 59:24.022
[SPEAKER_00]: And then there's the government piece, which is different.

59:24.042 --> 59:26.865
[SPEAKER_00]: Well, and I think the secret word that you said in there is data.

59:27.245 --> 59:39.712
[SPEAKER_00]: And really the core function of what Vexil's trying to produce with disaster field is to be able to make sure that the data, not we're not even talking about just only the data that we have today are collecting today.

59:39.752 --> 59:41.853
[SPEAKER_00]: We're talking about historical data of thirty years.

59:41.913 --> 59:50.018
[SPEAKER_00]: The precipitation, all the past historical data gets pushed into a system that helps to refine the modeling of the predictive analytics coming to the other side.

59:50.058 --> 59:54.781
[SPEAKER_00]: So you got your readiness, your response and recovery, but all that only happens is that one

59:55.441 --> 01:00:05.490
[SPEAKER_00]: If you can collect the data, move that data through the pipeline and be able to make it usable and seen on the other end in a functional way through a common operating picture, like you said, which doesn't quite exist.

01:00:05.530 --> 01:00:22.204
[SPEAKER_00]: That doesn't exist until now where we are bringing the entire hierarchy, if you will, or the pyramid we call it, which is you require a common operating network, meaning that everybody has to kind of jump on the network and be part of this conducive system.

01:00:23.385 --> 01:00:28.390
[SPEAKER_00]: In order to be able to operate in common operating environment, which is your disaster event, right?

01:00:28.970 --> 01:00:33.234
[SPEAKER_00]: And like we say, like I draw lines always back to this, the military, right?

01:00:33.274 --> 01:00:41.801
[SPEAKER_00]: And a big part of like what we've done in the military for decades and centuries is we have the ability to operate as a bunch of different militaries that come together.

01:00:41.902 --> 01:00:44.624
[SPEAKER_00]: They're all running on the same comms on the same communication net.

01:00:44.984 --> 01:00:50.908
[SPEAKER_00]: They're all pulling, you know, ISR or the intelligence and surveillance from the same drone.

01:00:50.928 --> 01:00:52.569
[SPEAKER_00]: They're the same aircraft, right?

01:00:52.589 --> 01:00:56.851
[SPEAKER_00]: And they're all basically looking at the same target package or they're the same mission, if you will.

01:00:57.592 --> 01:01:05.337
[SPEAKER_00]: That's essentially what we're bringing to the disaster space is the ability for anybody and everybody who operates in the preparation of their battlefield.

01:01:05.477 --> 01:01:06.778
[SPEAKER_00]: In this case, a disaster field.

01:01:07.558 --> 01:01:25.297
[SPEAKER_00]: to be able to prepare that so that their best ready for should a disaster strike when that disaster does strike anybody coming in we're talking about like international hope that comes in you know through siftie and anything is being provided to the to the province the province themselves operating in that environment

01:01:25.917 --> 01:01:29.821
[SPEAKER_00]: You know, I would give you a good use case would be the indigenous space, right?

01:01:29.961 --> 01:01:35.728
[SPEAKER_00]: And have these indigenous communities be able to lay out and show their culturally sensitive areas.

01:01:35.768 --> 01:01:36.548
[SPEAKER_00]: They're borders.

01:01:36.588 --> 01:01:37.369
[SPEAKER_00]: They're traditional.

01:01:38.611 --> 01:01:44.817
[SPEAKER_00]: If they choose to, if they choose to become disaster feel ready and and be on the system as, you know, as many are we.

01:01:45.778 --> 01:01:49.601
[SPEAKER_00]: They're able to communicate that knowledge over, you know, to anybody else who's coming in.

01:01:49.801 --> 01:01:50.682
[SPEAKER_00]: Everybody's just trying to help.

01:01:51.062 --> 01:02:00.069
[SPEAKER_00]: Everybody who comes into these things is just there's no maliciousness that comes from, you know, all these people come together to fight a common enemy, if you will, which is that disaster.

01:02:00.289 --> 01:02:07.994
[SPEAKER_04]: So what you just described there to me and the way I put my little simple P brain on this is we've been doing some awesome work around planning.

01:02:08.895 --> 01:02:10.297
[SPEAKER_04]: for reactionary environments.

01:02:10.497 --> 01:02:10.777
[SPEAKER_04]: That's right.

01:02:10.797 --> 01:02:11.118
[SPEAKER_04]: Okay.

01:02:11.618 --> 01:02:19.347
[SPEAKER_04]: We haven't done a really, really good job of planning for proactive environments in terms of all of this bigger data sharing, right?

01:02:19.587 --> 01:02:27.376
[SPEAKER_04]: Everybody's in their silos and yeah, they got all their preparedness and their training and their tools and response practices and recovery practices and mitigation practices.

01:02:27.396 --> 01:02:28.377
[SPEAKER_04]: All that kind of stuff, right?

01:02:29.118 --> 01:02:36.326
[SPEAKER_04]: But until now, until you found your your calling here, um, the really hasn't been that one glue to tie it all together.

01:02:36.546 --> 01:02:40.050
[SPEAKER_00]: One and you know, I guess from the time I related to one very simple thing.

01:02:40.090 --> 01:02:41.251
[SPEAKER_00]: We have the automotive sector.

01:02:41.371 --> 01:02:42.632
[SPEAKER_00]: We have the defense sector.

01:02:42.792 --> 01:02:43.934
[SPEAKER_00]: We have the oil and gas sector.

01:02:44.434 --> 01:02:47.057
[SPEAKER_00]: We don't really have a disaster sector globally.

01:02:47.317 --> 01:02:50.681
[SPEAKER_00]: There is really not a sector, a defined container.

01:02:50.921 --> 01:02:56.767
[SPEAKER_00]: It's everywhere, but you know what we're doing, though, is that we're coming together with all of our best, you know, interested at heart.

01:02:57.347 --> 01:03:02.573
[SPEAKER_00]: And we're all coming together to do our things in our own solid ways, right on a fire departments, the police agencies, you name it.

01:03:03.834 --> 01:03:08.679
[SPEAKER_00]: Everybody's coming together to do their things for the greater good of protecting the community.

01:03:09.460 --> 01:03:13.806
[SPEAKER_00]: The problem is is that we throw everything at the wall as soon as it disaster strikes.

01:03:14.307 --> 01:03:16.931
[SPEAKER_00]: Doesn't matter if it's worth quakes or it's volcanoes or you name it.

01:03:17.252 --> 01:03:20.596
[SPEAKER_00]: We throw everything at the wall and then everybody sits back and hopes the government pays for it.

01:03:21.117 --> 01:03:22.459
[SPEAKER_00]: And that's not a sustainable model.

01:03:22.680 --> 01:03:24.021
[SPEAKER_00]: That's not a repeatable model.

01:03:24.382 --> 01:03:53.357
[SPEAKER_03]: same thing with insurance right like a lot of people and then again like I like I spoke on the fact that as a broker we there's a lot of owners on us like we are the ones that are literally in between the insurance company and the client so like I mean and I'll say too like especially since COVID I feel like it's really hard to find good employees so we're hiring brokers like no offense to some of them but like we're hiring brokers who don't really give a fuck

01:03:53.677 --> 01:03:56.978
[SPEAKER_03]: You know, and at the end of the day, you have to care.

01:03:57.378 --> 01:03:58.939
[SPEAKER_03]: You're going to be in this position.

01:03:58.979 --> 01:04:00.039
[SPEAKER_03]: You have to care.

01:04:00.079 --> 01:04:01.720
[SPEAKER_03]: You have to actually open your ears.

01:04:01.740 --> 01:04:03.300
[SPEAKER_03]: You have to be listening.

01:04:03.560 --> 01:04:05.021
[SPEAKER_03]: You have to ask the right questions.

01:04:05.321 --> 01:04:09.342
[SPEAKER_03]: It's not hard work, but you have to be able to actually put the work in.

01:04:09.562 --> 01:04:11.343
[SPEAKER_04]: It's rewarding work.

01:04:11.403 --> 01:04:12.183
[SPEAKER_03]: It's rewarding work.

01:04:12.223 --> 01:04:22.809
[SPEAKER_03]: And when you do a really good job, I'll tell you right now, like I had a client when I was working in the home insurance space who had, you know, it was an average home or home was about, it was worth about one point two million.

01:04:22.869 --> 01:04:23.889
[SPEAKER_03]: So it could have gone either way.

01:04:23.969 --> 01:04:26.631
[SPEAKER_03]: She was insured just with a retail insurance company.

01:04:27.871 --> 01:04:30.413
[SPEAKER_03]: And she had been insured with them for thirteen years.

01:04:32.073 --> 01:04:34.014
[SPEAKER_03]: And she had a really, she had a pretty low premium.

01:04:34.114 --> 01:04:35.434
[SPEAKER_03]: Like she was, she was fine.

01:04:35.494 --> 01:04:36.054
[SPEAKER_03]: She was happy.

01:04:36.094 --> 01:04:37.054
[SPEAKER_03]: It came through a referral.

01:04:37.114 --> 01:04:43.936
[SPEAKER_03]: I met somebody in an elevator and that ended up turning into, it was, you know, it's like a elevator.

01:04:44.196 --> 01:04:47.217
[SPEAKER_03]: And when I, when I started talking to her about it, we were talking about her home.

01:04:47.257 --> 01:04:48.617
[SPEAKER_03]: We talked about all these things.

01:04:49.017 --> 01:04:51.318
[SPEAKER_03]: I mean, her, the value of her home was adequate.

01:04:51.578 --> 01:04:54.038
[SPEAKER_03]: And then I started asking her questions about her life.

01:04:54.178 --> 01:04:57.199
[SPEAKER_03]: Like, because to me, like I said, it could have gone either way.

01:04:57.259 --> 01:05:00.940
[SPEAKER_03]: She definitely could have gone with a high value insurance carrier, which has some purse.

01:05:00.980 --> 01:05:06.221
[SPEAKER_03]: You're going to pay a little bit more, but like there's some big perks if you kind of fit into that category.

01:05:06.701 --> 01:05:10.482
[SPEAKER_03]: And so when we started, I started asking your questions that nobody had asked her before.

01:05:10.602 --> 01:05:13.463
[SPEAKER_03]: She had been insured with this company for thirteen years working with the same broker.

01:05:13.943 --> 01:05:16.644
[SPEAKER_03]: Nobody had asked her these questions about her lifestyle.

01:05:16.704 --> 01:05:21.265
[SPEAKER_03]: Her personal like it was, yeah, I mean, the home, the home value was insured properly.

01:05:21.325 --> 01:05:21.945
[SPEAKER_03]: That's fine.

01:05:22.545 --> 01:05:25.846
[SPEAKER_03]: But what I ended up discovering was that she actually had a paraplegic son.

01:05:26.646 --> 01:05:27.926
[SPEAKER_03]: So the home was custom built.

01:05:28.346 --> 01:05:34.408
[SPEAKER_03]: It had, you know, reinforced, reinforced foundation to facilitate this crazy wheelchair that her son had.

01:05:34.708 --> 01:05:37.268
[SPEAKER_03]: There was a lift on the stairs so that he could come upstairs.

01:05:37.308 --> 01:05:39.909
[SPEAKER_03]: There was an elevator in the home, which it had never been insured.

01:05:40.329 --> 01:05:47.650
[SPEAKER_03]: She was under the impression that that elevator was insured through her home insurance policy, which it was not because she didn't have equipment breakdown on the policy or anything like that.

01:05:48.090 --> 01:05:55.652
[SPEAKER_03]: So, throughout, and then, but the first thing that I thought of when she's talking about this, she's like, all the doors are, the doors are extra wide and this and that.

01:05:56.292 --> 01:06:01.156
[SPEAKER_03]: And she started talking about the custom nature of this home, but the first thing I thought about was like, crap.

01:06:01.416 --> 01:06:02.637
[SPEAKER_03]: Where would you go?

01:06:02.977 --> 01:06:03.958
[SPEAKER_03]: Where would you go?

01:06:04.058 --> 01:06:04.178
[SPEAKER_00]: Right.

01:06:04.478 --> 01:06:05.439
[SPEAKER_00]: In the case of a loss.

01:06:05.479 --> 01:06:08.542
[SPEAKER_03]: Like, even if you were just evacuated in your house, didn't burn down.

01:06:08.662 --> 01:06:09.903
[SPEAKER_03]: Where are you gonna go?

01:06:09.923 --> 01:06:17.068
[SPEAKER_03]: Because like, you know, especially like just the regular family with a couple kids, you can get put up in a hotel, right?

01:06:18.029 --> 01:06:22.933
[SPEAKER_03]: And of course, lots of people don't realize that additional living expenses is capped to the limit on the policy.

01:06:23.553 --> 01:06:24.294
[SPEAKER_03]: People don't realize that.

01:06:24.314 --> 01:06:27.636
[SPEAKER_03]: They're like, if they just think, well, they're just going to pay for me while I'm out on my house.

01:06:27.676 --> 01:06:35.041
[SPEAKER_03]: Well, if it's going to take two and a half years to build your house, I guarantee you that hundred and forty two thousand dollars on your policy, which is just a percentage of your dwelling value.

01:06:35.322 --> 01:06:36.202
[SPEAKER_03]: It's not going to be adequate.

01:06:36.222 --> 01:06:37.403
[SPEAKER_03]: It's not going to carry you through.

01:06:38.384 --> 01:06:39.645
[SPEAKER_03]: And so, and that's what she had.

01:06:39.705 --> 01:06:43.427
[SPEAKER_03]: She had about a hundred and seventy thousand dollars of additional living expenses on her policy.

01:06:43.447 --> 01:06:46.690
[SPEAKER_03]: And I was like, man, like, where would you go?

01:06:47.210 --> 01:06:49.472
[SPEAKER_03]: And she was like, nobody's ever asked me that before.

01:06:49.832 --> 01:06:50.693
[SPEAKER_03]: Never thought about it.

01:06:51.133 --> 01:06:53.335
[SPEAKER_03]: And I was like, because that was the first thing that I thought about.

01:06:53.396 --> 01:06:57.260
[SPEAKER_03]: And nobody had ever talked to her about, you know, the perks of some of these high value carriers.

01:06:57.300 --> 01:06:59.582
[SPEAKER_03]: And they offer unlimited additional living expenses.

01:07:00.063 --> 01:07:03.106
[SPEAKER_03]: One thing that's really cool is they actually get a little bit more creative.

01:07:03.466 --> 01:07:07.471
[SPEAKER_03]: So they would actually look at options of maybe maybe she can buy

01:07:09.933 --> 01:07:15.057
[SPEAKER_03]: Maybe she can buy, maybe the insurance company can use her additional living expenses to buy a house down the road.

01:07:15.798 --> 01:07:20.382
[SPEAKER_03]: That also has the means that she needs to give her the same quality of life.

01:07:20.442 --> 01:07:21.442
[SPEAKER_03]: Like they could do that.

01:07:21.482 --> 01:07:25.205
[SPEAKER_03]: And then once that insurance claim is closed, that becomes salvage.

01:07:25.346 --> 01:07:26.346
[SPEAKER_03]: It belongs to the insurance company.

01:07:26.366 --> 01:07:28.068
[SPEAKER_03]: They can probably actually sell and turn a profit.

01:07:28.428 --> 01:07:29.809
[SPEAKER_03]: So they'll get a little bit more creative.

01:07:29.849 --> 01:07:32.351
[SPEAKER_03]: So like when we had those conversations, she was blown away.

01:07:32.712 --> 01:07:35.454
[SPEAKER_03]: Then nobody had ever asked her those questions.

01:07:35.534 --> 01:07:37.035
[SPEAKER_00]: Nobody had ever talked about it.

01:07:37.135 --> 01:07:39.117
[SPEAKER_00]: It all come back to data and information.

01:07:39.497 --> 01:07:43.200
[SPEAKER_00]: And like that's really where we're missing the plot here, right?

01:07:43.260 --> 01:07:53.108
[SPEAKER_00]: It's just simply that like even just what you just said, going back to even just tying a back to what we just seen in January with with LA, right with the LA fires.

01:07:53.729 --> 01:07:54.209
[SPEAKER_00]: You know, I mean,

01:07:55.190 --> 01:08:08.291
[SPEAKER_00]: You know, you said it with with agencies and insurance as well, playing a major major factor in our affordability as residents to be able even afford to live in places like this, let alone start a business and be able to manage these these different functions.

01:08:08.762 --> 01:08:12.503
[SPEAKER_00]: You know, people with special requirements, you know, you know, where do they get placed?

01:08:13.023 --> 01:08:16.604
[SPEAKER_00]: I just, I believe that we just don't have that container yet.

01:08:16.984 --> 01:08:18.024
[SPEAKER_00]: We are getting there.

01:08:18.224 --> 01:08:18.724
[SPEAKER_00]: We're getting there.

01:08:19.124 --> 01:08:30.647
[SPEAKER_00]: That container yet for this conversation to be taken seriously so that everybody has the, yes, here's what you require for a day-to-day business to operate, you know, as a human or as a business.

01:08:31.167 --> 01:08:35.788
[SPEAKER_00]: But then we also need to also address, you know, what happens if, if shit hits a fan.

01:08:36.248 --> 01:08:45.758
[SPEAKER_04]: So all the indicators that I'm seeing right now tell me that we're in for a pretty big mass of transformation of insurance industry insurance products and stuff.

01:08:45.798 --> 01:08:48.901
[SPEAKER_04]: Yeah, because of all of this sort of stuff going on, right?

01:08:49.021 --> 01:08:52.965
[SPEAKER_04]: And they're going to adapt their products and their services over.

01:08:52.985 --> 01:08:54.606
[SPEAKER_04]: They're going to try and hold on as long as they can.

01:08:55.087 --> 01:08:57.369
[SPEAKER_04]: But at some point, if they continue

01:08:59.826 --> 01:09:05.893
[SPEAKER_04]: going down the same path they're going down in terms of the actual real actuarial analyses and and the products they've gotten stuff.

01:09:06.193 --> 01:09:08.896
[SPEAKER_04]: They'll be a few creative ones here and innovative ones there.

01:09:09.556 --> 01:09:15.162
[SPEAKER_04]: But at the end of the day, if something significant doesn't happen, then the insurance industries are going to pull out.

01:09:15.182 --> 01:09:16.144
[SPEAKER_04]: We're seeing that in California.

01:09:17.705 --> 01:09:26.488
[SPEAKER_00]: And it falls back on government or on the LA like in a lot of people were quick to point fingers in the LA fires and and say, oh, you know, it was a firefighter.

01:09:26.548 --> 01:09:33.470
[SPEAKER_00]: They didn't do job or we didn't you know, we didn't have enough fire trucks or you couldn't find enough fire trucks and the whole North America to be able to put out that fire.

01:09:33.490 --> 01:09:34.931
[SPEAKER_00]: That's not what this design to do.

01:09:35.571 --> 01:09:58.667
[SPEAKER_00]: So the common interpretation of how these things are supposed to be performed, I think we're also limited at a general residential level and business owner level as to what to expect when these disasters, so that you can better prepare in that environment because fire hydrants are only there to be able to put out a house fire, not for a hundred house fires at the same time.

01:09:59.407 --> 01:10:01.088
[SPEAKER_00]: But also going back to again,

01:10:02.549 --> 01:10:04.150
[SPEAKER_00]: The insurance companies are not stupid either.

01:10:04.370 --> 01:10:05.250
[SPEAKER_00]: I've spoken to many of them.

01:10:05.290 --> 01:10:06.791
[SPEAKER_00]: I've sat down with them right to the top.

01:10:07.771 --> 01:10:09.712
[SPEAKER_00]: They're big fans of what we're doing.

01:10:09.892 --> 01:10:12.033
[SPEAKER_00]: Only because it drives data.

01:10:12.494 --> 01:10:17.576
[SPEAKER_00]: And it's when they can get that data, that data allows them to better manage their risk.

01:10:17.796 --> 01:10:21.498
[SPEAKER_00]: Understand what their risk is not from a postal code or a zip code basis.

01:10:21.518 --> 01:10:28.701
[SPEAKER_00]: You know, guy in the middle of the city, you know, in concrete jungle has the same wildfire exposure as a guy who's on the edge living in a valley.

01:10:28.821 --> 01:10:30.182
[SPEAKER_00]: You know, that's three kilometers away.

01:10:30.602 --> 01:10:35.066
[SPEAKER_00]: but they're all both in the same zip code, so they're both being assessed as that same rate.

01:10:35.086 --> 01:10:54.943
[SPEAKER_00]: So what I wanted to put back on is that, like, we have to understand that if I owned it in terms of company and I put myself in those shoes, I would drive around, I'd do my own investigation and say, hey, look, you know, the reservoirs are dry, the fire hydrants still have water and I'm, you know, this isn't what we signed up for, you know, and since there's no disaster right now, we're pulling out of that space.

01:10:55.483 --> 01:11:02.467
[SPEAKER_00]: I think we're going to see, and we are seeing this right now in West Colono, we're seeing this and throw the Okonang and Valley, Shushwap, you know, and Radikar's Canada.

01:11:02.527 --> 01:11:04.628
[SPEAKER_00]: We're in Chirus companies are just saying, look, you know what?

01:11:05.168 --> 01:11:16.134
[SPEAKER_00]: The value, the assess value of all these, five hundred thousand dollar wake boats, these motor homes, the houses, like all these things are so high if they take a loss in that area, it's going to be substantial.

01:11:16.154 --> 01:11:18.135
[SPEAKER_00]: It's going to be devastating to their top line.

01:11:18.955 --> 01:11:40.695
[SPEAKER_00]: they need better risk mitigation factors and that's why you know really right now we've actually currently on July twenty first we launched the disaster field readiness trial in the Okanagan Valley and a big part of that was to be able to bring residential and commercial property owners the ability to basically sign up for a smart emergency logistics plan and this plan we're talking about like

01:11:41.295 --> 01:11:42.977
[SPEAKER_00]: Like, you know, where do your horses go?

01:11:43.117 --> 01:11:44.158
[SPEAKER_00]: Where do your pets go?

01:11:44.298 --> 01:11:45.159
[SPEAKER_00]: Where do your vehicles go?

01:11:45.339 --> 01:11:49.023
[SPEAKER_03]: You know, you know, to be honest, like preparedness isn't panic.

01:11:49.083 --> 01:11:49.623
[SPEAKER_03]: It's power.

01:11:49.683 --> 01:11:51.085
[SPEAKER_03]: Like, it's huge.

01:11:51.145 --> 01:11:55.649
[SPEAKER_03]: And nobody, like, nobody thinks it's going to happen to them until it happens to them.

01:11:55.689 --> 01:11:59.112
[SPEAKER_03]: Like, these, the fires that happen on West Side Road a couple years ago.

01:11:59.493 --> 01:12:04.938
[SPEAKER_03]: Like, there were, I mean, my brother and sister in law had a cabin out there that A was not insured.

01:12:05.238 --> 01:12:14.484
[SPEAKER_03]: just based on a discrepancy of communication between a broker and an owner and they the broker thought they were going to lapse the policy never got assigned our way.

01:12:14.504 --> 01:12:15.465
[SPEAKER_03]: It was a whole thing.

01:12:15.545 --> 01:12:19.888
[SPEAKER_03]: It could totally be a lawsuit and an ENO claim on that broker for sure, which again.

01:12:20.548 --> 01:12:42.179
[SPEAKER_03]: like a lot of brokers would just rely on you know insurance so like a broker in insurance is going to rely on insurance to cover their miss happen and their mistakes right which again it's it's a very beneficial coverage that we have but it's literally to cover an error on a mission not a net not just being negligent and not asking the right questions but they didn't even have time to hook up their travel trailer to their truck

01:12:42.639 --> 01:12:45.142
[SPEAKER_03]: So they were evacuated with a small baby.

01:12:45.202 --> 01:12:47.685
[SPEAKER_03]: They had a three week old baby at the time of evacuation.

01:12:48.145 --> 01:12:54.172
[SPEAKER_03]: They did not even have time to pull their travel trailer out of there, which could have been where they would have been living.

01:12:54.892 --> 01:12:56.574
[SPEAKER_03]: So they had to leave their trailer there.

01:12:56.614 --> 01:12:57.735
[SPEAKER_03]: Their trailer burnt the ground.

01:12:57.835 --> 01:12:59.037
[SPEAKER_03]: Luckily, the trailer wasn't sure.

01:12:59.537 --> 01:13:02.761
[SPEAKER_03]: But that would have been where they could have lived.

01:13:03.001 --> 01:13:25.729
[SPEAKER_00]: Well, that's that's the pressure on the local resources is a major factor and and you know the effects on tourism and the effects on everything else that happens when these devastating events do happen and you know there's no point in fingers at anybody in any of these things is simply just a combination of efforts you know that lead to either a short coming or you know a power position on how we handle these situations and I think

01:13:26.249 --> 01:13:50.080
[SPEAKER_00]: You know, with the West Colone example for example, with what disaster field and what we built to bring to the table, it really is that multi-user coordination system so that that what you're just talking about with that exact example is that with four geofences placed around that property specific to that property owner, you know, for for dollars a year sort of thing, you know, it's very, it's really nothing.

01:13:50.740 --> 01:14:02.808
[SPEAKER_00]: If we can start showing that that level of like preparedness and that advance warning and that just, you know, you're getting a call, you're getting a text message in email when a fire touches a eight kilometer deal fence.

01:14:03.288 --> 01:14:12.814
[SPEAKER_00]: Well, at least those people, if they're down in Mexico or they're in Edmonton visiting family or they're in the US, they get the text message in email, but so do their alternative contacts as well.

01:14:12.974 --> 01:14:17.657
[SPEAKER_00]: So it's easy as them taking their plan and texting it to their kid or texting it to their neighbor.

01:14:18.237 --> 01:14:22.501
[SPEAKER_00]: And right there, it's clearly laid out in all the steps on what goes first and what priority.

01:14:22.921 --> 01:14:28.386
[SPEAKER_00]: We got a lot of small hobby farms where people have nine horses and they own a two horse horse trailer, right?

01:14:28.426 --> 01:14:30.228
[SPEAKER_00]: And they have really thought past that part.

01:14:30.248 --> 01:14:30.989
[SPEAKER_01]: And where are they going to go?

01:14:31.009 --> 01:14:34.692
[SPEAKER_00]: Yeah, and a hundred year forest that haven't burnt in a long time, right?

01:14:34.772 --> 01:14:39.216
[SPEAKER_04]: So here's here's just an interesting kind of a aha moment.

01:14:39.256 --> 01:14:40.877
[SPEAKER_04]: I think I'm having, having right now.

01:14:41.807 --> 01:14:47.910
[SPEAKER_04]: So the insurance companies are, they're going to be looking for creative new ways being in the game, right?

01:14:48.870 --> 01:14:55.214
[SPEAKER_04]: And where we kind of see them going, a lot of them are towards standard practices like in Canada, the fire smart.

01:14:55.254 --> 01:14:57.115
[SPEAKER_04]: So you know what, clean all the fuels around your own.

01:14:57.135 --> 01:14:59.556
[SPEAKER_04]: Here's the, here's the zone which is amazing.

01:15:00.176 --> 01:15:01.337
[SPEAKER_04]: It's one small part though.

01:15:02.417 --> 01:15:03.718
[SPEAKER_04]: But going to your point of moment ago,

01:15:04.902 --> 01:15:11.070
[SPEAKER_04]: They'll say thou shalt fire smart, and the owner will probably be required to take pictures each year to prove that they've been fire smarted.

01:15:12.072 --> 01:15:16.577
[SPEAKER_04]: But there's no data on how effective that really is for the actuaries to use, right?

01:15:17.118 --> 01:15:19.742
[SPEAKER_04]: By the same token, there's no good data.

01:15:19.762 --> 01:15:21.804
[SPEAKER_04]: I don't think anyway.

01:15:22.901 --> 01:15:46.686
[SPEAKER_04]: that would allow them to predict that if somebody had twenty four hours or forty eight hours notice and they got all the horses out and they got the RV out and the five hundred thousand other weekboat out of there you know and the family safe whatever right all that stuff out ahead of time uh... what the savings would be for the insurance companies so i think once the insurance company start getting their mind wrapped around what it is that disaster field can bring to them

01:15:48.226 --> 01:15:49.827
[SPEAKER_04]: I think there's some innovative new ways.

01:15:49.867 --> 01:15:58.689
[SPEAKER_00]: And I would say that it's not just agencies that are operating inside of those or it's not just like people or groups, what insurance companies are operating in silos because they're all competing against each other.

01:15:58.849 --> 01:16:13.354
[SPEAKER_00]: So when you've got a universal baseline of data that can flow into each insurance with AIGs, the Lloyd's London's or anybody else who actually provides insurance in these spaces, when you're able to

01:16:13.994 --> 01:16:16.916
[SPEAKER_00]: give them that agnostic and arms length data source.

01:16:17.376 --> 01:16:18.817
[SPEAKER_00]: That's not adulterated.

01:16:18.897 --> 01:16:21.158
[SPEAKER_00]: It's not, you know, tampered by anybody else.

01:16:21.238 --> 01:16:28.962
[SPEAKER_00]: It's not coming from a single source or from, you know, this is actually blockchain-based true and immutable data that's pulled direct from the source.

01:16:29.462 --> 01:16:35.246
[SPEAKER_00]: And it's ledgered in a way that there is trust in the entire system that that data is true.

01:16:35.766 --> 01:16:42.830
[SPEAKER_00]: So when you start having these types of capabilities, we're a homeowner just like in a home security system, they can become a tear-forward disaster field ready user.

01:16:43.630 --> 01:17:01.254
[SPEAKER_03]: and they're able to have the geofensen and they have that piece of mind and they have that like this also leads to a trauma and then how can we also implement like a discount for the people who want to mitigate right like in the high value home space if your home is worth over five million it's an absolute requirement that you have an automatic watershed.

01:17:01.374 --> 01:17:01.854
[SPEAKER_03]: Absolutely.

01:17:01.874 --> 01:17:08.556
[SPEAKER_03]: Like the insurance company is going to say we require that but will discount your policy for doing that.

01:17:09.036 --> 01:17:16.261
[SPEAKER_03]: And it's not, there is a huge demographic of people who want to use insurance as a risk mitigation tool.

01:17:16.281 --> 01:17:20.323
[SPEAKER_03]: They're not sitting there trying to just be like, man, I'm not gonna do anything.

01:17:20.343 --> 01:17:21.424
[SPEAKER_03]: And my insurance is gonna pay out.

01:17:21.444 --> 01:17:23.385
[SPEAKER_03]: And then they're pissed off when something happens.

01:17:23.425 --> 01:17:24.686
[SPEAKER_03]: And insurance doesn't pay out.

01:17:25.086 --> 01:17:28.548
[SPEAKER_03]: But again, a lot of that is broker error too.

01:17:28.688 --> 01:17:34.672
[SPEAKER_03]: I always tell people, when I was first moving into this space and I was like, oh, man, I'm trying to think about a value proposition.

01:17:34.692 --> 01:17:37.213
[SPEAKER_03]: I'm like, I'm not always gonna be your cheapest option.

01:17:37.733 --> 01:17:38.054
[SPEAKER_03]: But,

01:17:38.854 --> 01:17:43.697
[SPEAKER_03]: If you work with me, I can guarantee you that you're going to be covered when you need to be covered.

01:17:43.997 --> 01:17:45.878
[SPEAKER_04]: Or because you formed.

01:17:46.038 --> 01:17:53.963
[SPEAKER_03]: Or at least, yeah, and educate it because again, like if you if you want to exclude sewer backup on your home insurance policy, that is your choice.

01:17:54.123 --> 01:17:55.424
[SPEAKER_03]: I would not recommend it.

01:17:55.624 --> 01:17:55.804
[SPEAKER_01]: Yeah.

01:17:55.924 --> 01:18:00.526
[SPEAKER_03]: But if you want to do that, I will like sign off on in blood that you said you don't want that.

01:18:00.546 --> 01:18:01.266
[SPEAKER_03]: Yeah.

01:18:01.386 --> 01:18:02.126
[SPEAKER_03]: And that's on you.

01:18:02.246 --> 01:18:08.148
[SPEAKER_03]: But I will educate you as to when you would really regret that decision and make sure that you know about it.

01:18:08.548 --> 01:18:12.690
[SPEAKER_03]: But I think that that's where a huge piece of the puzzle is on the brokers.

01:18:12.750 --> 01:18:18.512
[SPEAKER_03]: The insurance companies are relying on the brokers, even though, and I mean, in the home insurance space guaranteed replacement cost.

01:18:18.852 --> 01:18:21.993
[SPEAKER_03]: really, really has impacted insurance companies.

01:18:22.033 --> 01:18:23.774
[SPEAKER_03]: They're offering guaranteed replacement costs.

01:18:24.234 --> 01:18:27.876
[SPEAKER_03]: The requirement to have that coverage on the policy is on the broker.

01:18:27.916 --> 01:18:33.198
[SPEAKER_03]: The broker is the one that is supposed to be running in proper evaluation of the home, knowing that limits are adequate.

01:18:33.758 --> 01:18:40.041
[SPEAKER_03]: Like it's and again, high in high value carriers will conduct an appraisal of their own to cover their butts.

01:18:40.561 --> 01:18:48.205
[SPEAKER_03]: because it happened way too many times where the the home is in shirt for two million dollars burns to the ground cost them seven million to rebuild.

01:18:48.225 --> 01:18:49.805
[SPEAKER_03]: Yeah, they're out five million.

01:18:49.885 --> 01:19:08.254
[SPEAKER_00]: I happen in twenty one with like we had an extremely high like property value increase right that that happened in twenty one right and we've never really come down from Alex come down a bit like I mean you know people that are you ten fifteen percent but I mean still the replacement cost of materials right now is astronomical and labor and you can't get labor right so

01:19:08.894 --> 01:19:18.941
[SPEAKER_00]: We're seeing a lot of these homes and there's a lot of people that are being severely affected by this, not even just from the incident itself, but the trauma of just trying to get life back to normal.

01:19:19.462 --> 01:19:23.324
[SPEAKER_04]: And so I got to think things like the unpredictability around tariff weirdness.

01:19:23.504 --> 01:19:23.785
[SPEAKER_04]: Yeah.

01:19:24.205 --> 01:19:27.207
[SPEAKER_04]: That's got to be driving the insurance companies or the actuaries.

01:19:27.227 --> 01:19:28.348
[SPEAKER_04]: Just absolutely bunkers.

01:19:28.588 --> 01:19:35.211
[SPEAKER_03]: Well, and to also, like, just location-wise, I just heard of an incident where this home was, like, outside of Ontario.

01:19:35.651 --> 01:19:39.273
[SPEAKER_03]: And they never actually accounted for transport of materials.

01:19:39.293 --> 01:19:39.473
[SPEAKER_01]: Right.

01:19:39.493 --> 01:19:39.813
[SPEAKER_03]: Yeah.

01:19:39.893 --> 01:19:40.493
[SPEAKER_03]: And same thing.

01:19:40.533 --> 01:19:43.274
[SPEAKER_03]: Like, my father-in-law has a cabin on savory island.

01:19:43.835 --> 01:19:46.996
[SPEAKER_03]: And when we went to look, I went to look at ensuring this cat.

01:19:47.036 --> 01:19:48.537
[SPEAKER_03]: And it's an older cabin.

01:19:48.557 --> 01:19:53.119
[SPEAKER_03]: I mean, but to rebuild it, like, you, it's both access old.

01:19:53.739 --> 01:19:54.399
[SPEAKER_03]: There's a barge.

01:19:54.459 --> 01:19:55.900
[SPEAKER_03]: It's two hundred bucks away.

01:19:56.300 --> 01:20:01.782
[SPEAKER_03]: You know, so like what are the costs associated with getting materials to the location to rebuild it?

01:20:01.802 --> 01:20:03.743
[SPEAKER_03]: So it's not just the dollar value.

01:20:04.183 --> 01:20:05.804
[SPEAKER_03]: It's all the things that go into it.

01:20:05.904 --> 01:20:07.985
[SPEAKER_00]: Like we say, it's one thing to acquire these things.

01:20:08.005 --> 01:20:10.446
[SPEAKER_00]: It's the whole other thing to keep them or protect them right.

01:20:10.686 --> 01:20:13.047
[SPEAKER_00]: And I think that's really the big takeaway here.

01:20:13.147 --> 01:20:16.508
[SPEAKER_00]: Like you know, is is our ability to be able to produce a solution.

01:20:17.008 --> 01:20:18.429
[SPEAKER_00]: You know, it's what we're trying to do.

01:20:18.729 --> 01:20:24.632
[SPEAKER_00]: We know that it ain't going to be for everybody, but there's a lot of people right now who have nothing in place to be able to give them the peace of mind, right?

01:20:24.672 --> 01:20:35.717
[SPEAKER_00]: So with even just the what we've launched in the O'Conan Valley here in the past, you know, which is happening this year, you know, it's the plan, you know, you get the monitoring, everything else, you know, comes with it.

01:20:36.638 --> 01:20:43.481
[SPEAKER_00]: This is about being able to actually ensure that not only like, like if you if insurance is your first line to defensive already failed,

01:20:43.801 --> 01:20:46.823
[SPEAKER_00]: like you've already your your backwards on this thing, right?

01:20:47.283 --> 01:21:12.100
[SPEAKER_00]: You need those mitigating factors because like we're seeing all these and and I guess one thing I want to touch on is like we're seeing like so many different tech you got there's millions of drones come drone companies now yet sensors you got suppression systems you got all these things but you know we're bombarding all these different agencies and all the different emergency management groups with single little pieces of the puzzle but to be able to bring a fully turn to the agnostic solution that we

01:21:12.580 --> 01:21:14.201
[SPEAKER_00]: We work on the technology.

01:21:14.641 --> 01:21:25.204
[SPEAKER_00]: We bring the most cutting edge stuff to the table so that these emergency management groups and and these insurance companies can trust that like that's all taken care of like it they get their communications the situation when it's in the visibility.

01:21:25.644 --> 01:21:29.925
[SPEAKER_00]: They're they're getting solutions when they work with Vaxel right and then they become disaster field ready.

01:21:30.545 --> 01:21:33.467
[SPEAKER_00]: So that's what we want to bring a little bit of like continuity to the space.

01:21:33.527 --> 01:21:36.669
[SPEAKER_00]: Get that data transferring so that it makes it all the way to the insurance companies.

01:21:36.729 --> 01:21:44.735
[SPEAKER_00]: But also, you know, you know, really speaking out to the brokers that say, hey, when somebody comes to you with a solution and I'll care what solution it is.

01:21:45.215 --> 01:21:45.875
[SPEAKER_00]: Take a look at it.

01:21:45.956 --> 01:21:52.540
[SPEAKER_00]: You know, we have wildfire defense systems that I don't know brought in by by Chub and Intact, you know, to move people's wood piles away from their houses.

01:21:52.800 --> 01:21:53.641
[SPEAKER_00]: And that's sort of thing.

01:21:53.761 --> 01:21:59.585
[SPEAKER_00]: But if you lack intelligence, you don't know where to triage or where to prioritize those assets properly.

01:22:00.125 --> 01:22:02.909
[SPEAKER_00]: Yeah, it all comes down to lack of intelligence and data.

01:22:03.190 --> 01:22:04.672
[SPEAKER_04]: Well, I got to go with it.

01:22:04.732 --> 01:22:05.634
[SPEAKER_04]: Well, I'm on this.

01:22:05.694 --> 01:22:07.757
[SPEAKER_04]: This is a trick of it burning here.

01:22:08.358 --> 01:22:10.761
[SPEAKER_04]: So I also see the insurance companies.

01:22:12.383 --> 01:22:15.605
[SPEAKER_04]: are acting out in desperation, because they don't have solutions.

01:22:16.265 --> 01:22:18.366
[SPEAKER_04]: They know they got a big problem, but they don't have the solutions.

01:22:18.766 --> 01:22:21.908
[SPEAKER_04]: We had one American company that ensures a bunch of properties here in BC.

01:22:22.408 --> 01:22:36.235
[SPEAKER_04]: Last year, bring contract fire crews up from the United States and position them up here with the thought that if there was a fire that was threatening the community, like if you went on a evacuation alert, these crews should come in and they would fire smart your house for it.

01:22:36.375 --> 01:22:36.596
[SPEAKER_04]: Okay.

01:22:36.856 --> 01:22:40.658
[SPEAKER_04]: Well, okay, so I understand some of the thinking, because fire smart's not a bad thing,

01:22:41.378 --> 01:22:45.646
[SPEAKER_04]: But the costs of bringing folks in from another country.

01:22:45.666 --> 01:22:49.733
[SPEAKER_04]: And just the hassles of getting them to work here as an example.

01:22:50.674 --> 01:22:52.698
[SPEAKER_04]: And then putting them up there to fire smart a house.

01:22:54.203 --> 01:22:56.083
[SPEAKER_04]: The numbers just don't compute in one minute.

01:22:56.103 --> 01:22:58.024
[SPEAKER_00]: They get passed off under the on to the policy.

01:22:58.044 --> 01:23:00.004
[SPEAKER_03]: On to the user, which we talked about too.

01:23:00.024 --> 01:23:10.227
[SPEAKER_03]: We like, I mean, I grew up in the cuties and last summer, Red Mountain Road, where like my childhood home, the fire was coming right down the bank, like coming all the way down the mountain side.

01:23:10.247 --> 01:23:13.048
[SPEAKER_03]: And I have a girlfriend who her and her husband just built a house up there.

01:23:13.688 --> 01:23:18.809
[SPEAKER_03]: And they were insured with intact, intact, had just launched their new wildfire defense service, which was amazing.

01:23:18.869 --> 01:23:19.809
[SPEAKER_03]: We were like, this is cool.

01:23:19.829 --> 01:23:20.930
[SPEAKER_03]: I was telling everybody about it.

01:23:20.950 --> 01:23:22.070
[SPEAKER_03]: This is a great perk.

01:23:23.071 --> 01:23:30.800
[SPEAKER_03]: And when this fire was encroaching on their property intact, sent a crew and they had like a big bladder in their driveway.

01:23:30.880 --> 01:23:33.644
[SPEAKER_03]: They were doing all this mitigation and they did save the home.

01:23:34.660 --> 01:23:37.623
[SPEAKER_03]: But the home was worth like, four hundred and fifty thousand dollars.

01:23:38.323 --> 01:23:39.144
[SPEAKER_03]: Red Mountain Road.

01:23:39.204 --> 01:23:42.708
[SPEAKER_03]: Like if you're not familiar with the Kunis is like in the middle of nowhere.

01:23:42.728 --> 01:23:44.449
[SPEAKER_04]: Lots of nature timber there.

01:23:44.609 --> 01:23:47.792
[SPEAKER_03]: In between the slow-canned valley and silver tin in New Denver.

01:23:48.553 --> 01:23:54.839
[SPEAKER_03]: They I mean like yes, they saved that home, but how much did it cost them to be present and on site for that whole duration?

01:23:54.879 --> 01:23:55.380
[SPEAKER_03]: How does I get

01:23:55.720 --> 01:23:59.321
[SPEAKER_03]: How does that get spread between all of my other intact policyholders?

01:23:59.401 --> 01:24:00.921
[SPEAKER_04]: Because after year after year.

01:24:00.941 --> 01:24:06.983
[SPEAKER_03]: Because I have a couple clients that were with intact that had no losses, no evacuation, nothing.

01:24:07.023 --> 01:24:08.324
[SPEAKER_03]: They had done nothing wrong.

01:24:08.424 --> 01:24:11.524
[SPEAKER_03]: If anything, they had done more to protect themselves and mitigate loss.

01:24:11.784 --> 01:24:14.905
[SPEAKER_03]: And their policy went up three grand this year.

01:24:15.145 --> 01:24:19.947
[SPEAKER_00]: And that's where we're really, where we're coming back to is like, I think wildfire defense systems, amazing company.

01:24:19.987 --> 01:24:23.088
[SPEAKER_00]: They do incredible work across like, twenty one states in the U.S.

01:24:23.108 --> 01:24:24.248
[SPEAKER_00]: They're doing some great stuff up here.

01:24:24.568 --> 01:24:29.690
[SPEAKER_00]: But I what cost but then again like we can't we can't continue to go the way that we're going right now.

01:24:29.830 --> 01:24:31.050
[SPEAKER_00]: We need intelligence.

01:24:31.090 --> 01:24:31.750
[SPEAKER_00]: We need data.

01:24:32.090 --> 01:24:33.291
[SPEAKER_00]: We need information systems.

01:24:33.351 --> 01:24:35.592
[SPEAKER_00]: We need better situational awareness.

01:24:35.752 --> 01:24:37.812
[SPEAKER_00]: It's a better way not hard.

01:24:37.912 --> 01:24:38.452
[SPEAKER_04]: It's a better way.

01:24:38.753 --> 01:24:42.074
[SPEAKER_00]: So, you know, I look forward to the the next episode here.

01:24:42.094 --> 01:24:49.096
[SPEAKER_00]: You know, we're going to be digging in a lot deeper on to the technology side of disaster field and what it is and kind of just, you know, tearing apart a little bit to

01:24:49.616 --> 01:25:03.980
[SPEAKER_00]: to have anybody who's looking or focusing on kind of what they can do, whether they're a search and rescue group, wildfire agency all the way down to the residential commercial property owners and businesses, what can they do better?

01:25:04.440 --> 01:25:07.920
[SPEAKER_00]: Or how do they understand the system and how it could operate for them?

01:25:07.980 --> 01:25:09.761
[SPEAKER_00]: So that'll be the next episode.

01:25:09.801 --> 01:25:13.942
[SPEAKER_00]: We encourage everybody to stick around and take a look at that one and

01:25:14.462 --> 01:25:18.304
[SPEAKER_00]: Like always, thank you very much, Newton, Tulia, for being here today.

01:25:18.324 --> 01:25:27.207
[SPEAKER_00]: And if anybody's looking for a really good solution here to be able to mitigate risk to your own property, check out Disasterfield.com.

01:25:27.247 --> 01:25:32.770
[SPEAKER_00]: Get in there if you don't have a plan, get a plan, as soon as you can, write it down on an app can, get it on a white piece of paper.

01:25:33.350 --> 01:25:34.931
[SPEAKER_00]: But if you don't have a plan, you need a hand.

01:25:35.071 --> 01:25:39.593
[SPEAKER_00]: We can help you out without we can connect to our smart system and get you guys the monitoring that you deserve.

01:25:40.604 --> 01:26:07.476
[SPEAKER_03]: Okay, and I mean, just watching all say as an insurance broker, like talk to your broker, make sure that you understand what your coverage entails, make sure that if they're not asking you the questions that are important to understand that you're letting them know, what you're doing, what you're up to, what you have, what your concerns are, like that is such an important relationship in this whole picture is that broker client relationship, like they are your advocate, they're your person, right?

01:26:07.516 --> 01:26:08.417
[SPEAKER_03]: They're your liaison.

01:26:09.157 --> 01:26:24.192
[SPEAKER_03]: make sure that that you guys are having those conversations because at the end of the day, you're not going to know that you're not covered properly until something bad happens and that's the worst time to find out like we tell everybody get connected stay protected.