Understanding your insurance is a tricky business. The sort of business where, sometimes, it makes sense to consult with experts.
One such expert on these things is Greg Marcyniuk, the owner of Heritage Insurance and No Hassle Insurance; he's been working in the insurance industry for over 36 years.
Asking experts is key "to making informed decisions and getting the best value for your insurance dollar" Greg told Moose Jaw Today.
Eleven years ago Greg started uploading a blog to the Heritage Insurance website focusing on the ins and outs of the insurance world. The blog quickly began releasing a series called Ask The Expert in which Greg teams up with Rob Carnie from CHAB radio to cover important insurance info in a manner that is both timely and easy to understand.
Recently, Ask The Expert has covered topic such as Hiring General Contractors, Rising Insurance Rates and the presence of Polybutylene Pipes, which were put into a lot of houses in the 1980's and are causing people a lot of costly problems.
In the episode, Greg goes into detail about how you can check for these pipes yourself but not before staying true to his own core advice: Asking an Expert. In this case, Greg recommends asking plumbers and home inspectors.
"If you decide to purchase a home that was built between '78 and '95. We certainly recommend that you get a home inspector to go through it thoroughly and check for these polybutylene plumbing."
"If you are concerned, you may have them in your home; "you could call a licensed plumber to do an inspection."
It's not uncommon for pipes and plumbing to be in the spotlight in Moose Jaw and Greg is concerned that this could be the case again soon. He recommends "getting ready for storm season" by ensuring that downspouts are cleaned, sub-pumps are functioning and backwater valves are in place.
"We are always concerned with sewer-line problems in the avenues" Greg added; recommending camera inspections for people with trees in their yards.
"An ounce of prevention gives you a ton of cure" Greg added.