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Stampede Breakfast, Normal Prairie Weather, Will Rogers' Common Sense

Posted By Thom Young, July 28, 2015
Updated: July 23, 2015
I love summer!

Well, for those of you working out of Calgary and area, the end of this month will likely be much more productive than the beginning. The greatest outdoor show on earth annually bites into business productivity for the first two weeks of each July. Once the Stampede is over, work catch up begins. While efficiency experts debate the value of invested time and effort in this kind of frivolity, in my opinion the positive gains in business promotion and employee morale far outweigh any losses perceived by the brainy bunch! And the work always seems to get done.

This tradition of ten or more days celebrating part of our Western culture is well received by the insurance industry in the Calgary area. In 1993, we felt a customer-appreciation day was in order and sent out invitations to all our clients and brochures to all our neighbours announcing that we’d be having a stampede breakfast on the Wednesday morning of stampede week. I think about 300 people showed up that first year, and we determined the promotion to be a smashing success. The next year, when Southland Registrations opened, we partnered with this sister firm to expand the event. We hired a band and invited underwriters. On average, some 1000 people began to show up for breakfast. As our efforts continued to evolve, we hired a better band and chuck wagons with drivers who signed autographs and posed for pictures. Even our competitors began to drop by and wish us well. About five years ago, we declared this an all-industry event and began promoting it with everyone associated with the insurance business.

The usual turn out is between 1500 and 2000 people browsing through our head-office parking area. Some people wait as long as half an hour for a pancake and a couple of sausages. 50/50 tickets are sold to raise money for the food bank and, on the whole, a great social gathering occurs.

Lundgren and Young Stampede Breakfast This year our stampede breakfast was again a great success. The numbers attending were toward the higher end of the scale and a terrific time was had by all. Those who had their picture taken on the chuck wagon with Kurt Bensmiller will be glad to know that he took it all at the Stampede this year. We’re proud to be associated with the Bensmiller wagon racing team, and it was really nice to see my friend Buddy Bensmiller hop up on his son’s wagon as he took his bows after winning the Rangeland Derby on the last day of Stampede. Buddy retired from racing two years ago and his son has carried on the family tradition of winning chuck wagon races and championships. You can’t beat that kind of succession planning success!

Sewer Backup, Overland Flooding, and “Normal” Prairie Weather

Just west of Calgary, two summer storms blew through the bedroom community of Chestermere Lake. The first storm resulted in a quick downpour of hail followed by a torrent of rain, which resulted in storm sewer systems backing up and the water finding its way to the lake by whatever route was available. Overland flooding occurred in a number of homes. Storm sewers and regular sewers backed up for a number of residences in the community. Two days later, another storm complicated the cleanup efforts of the residents with an almost identical set of circumstances. Some people just can’t catch a break.

These events drew a lot of media attention, many referencing the previous flooding issues a couple of years ago in Alberta, even though that event had no similarity whatsoever to this relatively normal weather event. In this case, the community in question is relatively new, the area affected by the infrastructure’s failure to deal with a normal weather event was minor, and the number of residents impacted was limited to some 300 homes. These details do not limit the impact on the individuals in question, but the media seemed overly focused on the tribulations of those affected. This slant was tempered somewhat when one of the people mentioned in an interview that this event wasn’t as bad as the last one they had.

I had some personal discussions with an affected insured who questioned why his policy didn’t cover sewer backup, a question that was somewhat surreal as the coverage was through a limited form provided by a nonstandard market for problem risks. The insured in question had three prior claims for sewer backup in the past four years—all for amounts in excess of $100,000. The incumbent insurer had refused to renew, and finding this insured coverage even on a limited form was not an easy thing. Still, the insured seemed to feel that the fact that he was not covered for this repeated and unmitigated event was the fault of our industry and not the failure of the municipal engineers or the home builder who plunked his home foundation in the middle of the reservoir draw without providing a non-obtrusive path for the water to take—never mind the wisdom of the insured in refinishing and refurbishing a part the home that has now been under water four times in the past five years without taking into account the reasons for the problem. No doubt, the provincial disaster relief fund will find a way to push some more good money after bad on this risk as well.

This weather event has brought a number of reflections and interpretations on the new wordings in use by some insurers, particularly the limiting of time in the process of adjudicating a claim. What defines the results of an overland flooding event in which our insured was not affected but his neighbours experienced a sewer backup within the 72 hours following the overland flooding event, even if the sewer backup was not consequential to the overland flooding event? I’m getting a headache thinking about this one. The claims adjusters are following the old axiom: when in doubt, deny!

These issues still call for much work.

As I finish this column, severe weather is tracking through the centre of our province. Communities to the south of Edmonton are being pummeled by intense hail and rain storms, and tornado watches are in effect. The normal midsummer Prairie weather continues.

Common Sense Ain’t So Common

Way back in the ’70s when I was working on a diploma in business management, I remember a rather lengthy discussion about common sense. Many may concede truth to such simple aphorisms as “never judge a book by its cover” or “too many cooks spoil the broth.” Others like these come in the life-instruction manual passed down to us by the sages of wisdom in our families and communities. Rarely are any of them questioned, but every once in a while someone will point out that many of them can be seen as contradictory and confusing. The axiom that “many hands make light work” overtakes the point about the cooks, doesn’t it—well, at least when it comes to something other than making soup?

One of the most well-known purveyors of good old folksy wisdom is the often-quoted Will Rogers. While he spent a short time on the planet, his meanderings continue to inspire and amuse. Here’s a piece about him and some of his sayings for your midsummer amusement:

Will Rogers"Never squat while wearing your spurs."

Will Rogers, who died in a 1935 plane crash, was one of the greatest political sages this country has ever known.

Enjoy the following:
  1. Never slap a man who's chewing tobacco.
  2. Never kick a cow chip on a hot day.
  3. There are two theories to arguing with a woman.
  4. Never miss a good chance to shut up.
  5. Always drink upstream from the herd.
  6. If you find yourself in a hole, stop digging.
  7. The quickest way to double your money is to fold it
    And put it back into your pocket.
  8. There are three kinds of men:
    The ones that learn by reading.
    The few who learn by observation.
    The rest of them have to pee on the electric fence
    And find out for themselves.
  9. Good judgment comes from experience, and a lot of that comes from bad judgment.
  10. If you're riding' ahead of the herd, take a look back every now and then
    To make sure it's still there.
  11. Lettin' the cat outta the bag is a whole lot easier'n puttin' it back.
  12. After eating an entire bull, a mountain lion felt so good he started roaring.
    He kept it up until a hunter came along and shot him.
    The moral : When you're full of bull, keep your mouth shut.
About Growing Older ...

First ~ Eventually you will reach a point when you stop lying
About your age and start bragging about it.

Second ~ The older we get, the fewer things seem worth waiting in line for.

Third ~ Some people try to turn back their odometers.
Not me; I want people to know 'why' I look this way.
I've traveled a long way, and some of the roads weren't paved.

Fourth ~ When you are dissatisfied and would like to go back to youth,
Think of Algebra.

Fifth ~ You know you are getting old when everything either dries up or leaks.

Sixth ~ I don't know how I got over the hill without getting to the top.

Seventh ~ One of the many things no one tells you about aging
Is that it's such a nice change from being young.

Eighth ~ One must wait until evening to see how splendid the day has been.

Ninth ~ Being young is beautiful, but being old is comfortable.

Tenth ~ Long ago, when men cursed and beat the ground with sticks,
It was called witchcraft.
Today it's called golf.

And, finally ~ If you don't learn to laugh at trouble,
You won't have anything to laugh at when you're old

In Closing

Well, that’s enough for this run. Those keeping track will note that I took a little break on the last deadline. It was sort of planned and some might say deserved. I’ve had a very busy summer so far and, believe it or not, much of it revolves around work for our industry. That’s not much of an excuse though, and, yes, I do know where to look for sympathy so you can keep your dictionary references to yourself. I hope all of you are enjoying our all-too-brief Alberta summer. Before the next issue, I will have traversed through four of our Canadian provinces and no doubt will be feeding a healthy crop of mosquitoes in each of them.

The opinions expressed in this blog are not necessarily those of IBAA.
Comment on this post below or email Thom Young privately. Thom also encourages suggestions for topics.

Tags:  Chestermere flood 2015  overland flood insurance  sewer backup  Stampede 

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