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What courts say about vacancy exclusion when elderly homeowner client moves to a care home

April 27, 2021 by Greg Meckbach

An elderly homeowner’s health takes a turn for the worse, necessitating a move into a care home. The client still owns her original home, which suffers water damage. The insurer denies the claim on the grounds that the property is

News ClaimsClaims CanadaInsuranceTechnology

The ‘low hanging fruit’ for claims innovation

April 26, 2021 by Greg Meckbach

Collecting high-resolution images, making it easy to report a loss, and integrating the service providers into the claims process are claims innovations carriers need to bring in if they are not already, InsurTech North speakers suggested last week. “Make it

News AdjustersClaimsClaims CanadaInsuranceLegalLegislation / Regulation

Ontario judge urges legislature to deal with insurance fraud

April 22, 2021 by David Gambrill

An Ontario judge has taken the rare approach in a sentencing decision to urge the provincial government to take steps to prevent future instances of insurance fraud. Ontario Court Justice David S. Rose made the obitur remarks in his written

News ClaimsClaims CanadaInsuranceRestoration

Insurers seek federal grants for homeowners to improve basement flood protection

April 21, 2021 by Greg Meckbach

The industry is pushing to make federal grants available for Canadian homeowners to reduce basement flood risk. In the fall of 2020, the federal government announced its Greener Homes initiative. When the program rolls out, the plan is to provide

News AdjustersClaimsClaims CanadaInsuranceRestoration

What the court said when property owners refused to submit a Final Proof of Loss

April 20, 2021 by David Gambrill

Westland Insurance Company was within its rights to assume a contentious, two-year insurance claim had been resolved when two Victoria, B.C., property owners refused to submit a “Final Proof of Loss” form that had been filled out for them to

News AnnouncementsCatastrophesClaimsClaims CanadaClimate ChangeInsurance

How the feds’ budget benefits the P&C industry

April 20, 2021 by Greg Meckbach

Insurers are hoping it will be easier for homeowners to borrow money to raise their structures in areas at risk of flood or to replace roofs in wildfire-prone regions as a result of the federal budget announced Monday. In her

News AdjustersClaimsClaims CanadaInsurance

Toilet trouble means strata owner must reimburse corporation’s $5,000 deductible

April 19, 2021 by Greg Meckbach

A British Columbia townhouse owner whose toilet overflowed and caused damage has to pay the $5,000 deductible on the strata corporation’s insurance claim, the B.C. Civil Resolution Tribunal (CRT) has ruled. Jefferson Wu is the principal of Kwan-Wu Holdings Ltd.,

News ClaimsClaims CanadaInsuranceLegalRestoration

Client dogged by $1,277 uninsured water damage remediation bill

April 14, 2021 by Greg Meckbach

A British Columbia client who runs a dog kennel business out of her home is liable for some water damage remediation costs that her insurer did not cover because they relate to business and not personal use of the property.

News ClaimsClaims CanadaLegal

Why mom is not liable for son’s traffic collision driving mom’s car

April 12, 2021 by Greg Meckbach

When a parent says no to a child who wants to drive the car, and the parent does not leave the keys out in the open to be easily found, the child does not in fact have the parent’s consent

News ClaimsClaims CanadaInsurance

Vehicle repair mishap engages both home and auto insurance: B.C. Court

April 8, 2021 by Greg Meckbach

The Insurance Corporation of British Columbia is partly responsible for paying legal defence costs of a homeowner being sued by a guest who was injured when the homeowner was repairing his classic car. On Aug. 9, 2015, Gary Upton was

News ClaimsClaims CanadaLegal

Supreme Court of Canada considers municipal liability in snow removal decisions

April 8, 2021 by Greg Meckbach

Municipalities are not liable for “policy decisions” on matters such as snowplowing, but lawyers disagree on exactly what kind of a “policy decision” could shield a government from liability in a personal injury lawsuit. “Back home in Newfoundland, when there

News CatastrophesClaimsClaims CanadaInsuranceMarkets / Coverages

Pandemic will cost the global P&C industry more than $250 billion: Lloyd’s

April 7, 2021 by Greg Meckbach

The pandemic will cost the global insurance industry at least US$200 billion, Lloyd’s predicts. “We estimate that the global insurance industry will pay around US$203 billion in claims and due to a reduction in asset values as a result of