Dave Hoyte (middle) introduced Dan Fortin (L) & Dave Lowry (R) of Total Restoration Services Ltd., since 1992 a leading locally-owned and operated provider of guaranteed restoration services, using leading-edge technologies & equipment operated by trained, professional (& friendly!) experts.  Their 75+ staff, with over 40 vehicles, deals with damage caused by fire, smoke, water, sewer, mould, asbestos, etc.  With more & larger disaster claims, such as the recent $9bn Alberta floods, claims outweigh local premium collections, requiring the insurance industry to pool premiums over larger areas.  Claims costs are often increased by WCB & Work Safe requirements around the removal of asbestos in drywall & flooring products.  Dave Hoyte paid advertising dollars for his comments about “talking to your insurance broker!”