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Fire Debris of Houses in a small town with smoke in sky.
News AdjustersCatastrophesClaimsClaims CanadaClimate ChangeConstructionInsuranceRestoration

Inside the hidden, one-year journey toward Lytton, B.C.’s post-wildfire rebuild

June 29, 2022 by David Gambrill

To the naked eye, not much has changed since Lytton, B.C. was razed by a June 30, 2021 wildfire, causing an estimated $100 million in insured damage. Coming up on the fire’s one-year anniversary, debris-removal work has finally begun for

Woman stressed out by increasing oil prices
News ClaimsInsuranceRisk

Will the oil shock slow auto insurers’ post-pandemic loss ratios?

June 21, 2022 by David Gambrill

Insurers have been sounding the alarm about their auto claims ratios returning to normal post-pandemic, but expect the oil shock to temper that expectation somewhat, P&C industry execs predict. The war in Ukraine and consequent embargo on Russian oil have

Ottawa, Canada - May 25, 2022: A row of power line poles that snapped on Merivale Road, a busy street in the west end of Ottawa. A severe storm known as a derecho passed through the area causing a lot of damage and power outages May 21.
News Insurance

What the derecho in May cost P&C insurers

June 16, 2022 by David Gambrill

Central Canada’s derecho in May caused more than $875 million in insured damage, making it the sixth-largest natural catastrophe loss in Canadian history. “Damage in Ontario is estimated to be over $720 million, while the storm caused an estimated $155

Angry woman driving a car.
News ClaimsInsuranceLegal

Fume all you want, don’t hit erratic drivers in front of you

May 26, 2022 by David Gambrill

No matter how much a driver might fume about the slow driver ahead, the driver behind him is still responsible for maintaining a safe distance to avoid a collision — even if the slow driver tries to block the driver

Mechanic working on the underside of a vehicle
News Insurance

Auto insurance: How to handle acid spill claims

May 26, 2022 by Jason Contant

Insurers would be well-advised to have experts and claim-handling protocols on hand to identify unique claim situations such as the two sulphuric acid spills in Trail, B.C. several years ago, two forensic engineers say. On Apr. 10 and May 23,

Close-up of a young woman making a stop gesture. Focus on foreground
News ClaimsCommercial LinesInsuranceLegalLegislation / RegulationRisk

Sexual harassment: Grounds for dismissal, but not for denying severance

April 27, 2022 by David Gambrill

Slapping a woman on the buttocks in the workplace may be grounds for dismissal, but the threshold for terminating severance as a result of sexual harassment requires ‘wilful misconduct,’ the Ontario Court of Appeal has ruled. In essence, if the

Judge holding hammer near toy cars closeup.
News ClaimsInsuranceLegalLegislation / Regulation

How to lie to your auto insurer and not repay your benefits

April 11, 2022 by David Gambrill

A claimant who lied to TD Insurance about an acquaintance being present with her in a car crash so that her acquaintance could collect accident benefits does not have to repay her own benefits because of the misrepresentation, Ontario’s License

Toronto Urban Summer Traffic
News BrokersClaimsEarnings / RatingsInsuranceMarkets / Coverages

How auto could be the force that eats into Canadian insurers’ results

April 8, 2022 by David Gambrill

With ROE levels in the Canadian P&C industry at a historic high of 17%, count Lloyds Canada among the list of insurance providers that caution the industry not to squander the hard-won gains of the hard market in a bid

Giant waves break near the lighthouse at Peggy's Cove, Nova Scotia.
News CatastrophesClaimsClimate ChangeInsuranceMarkets / Coverages

What Canadians can expect of future hurricane seasons

April 7, 2022 by David Gambrill

Atlantic Canadians can expect to see more and increasingly intense hurricanes, as sea surface temperatures continue to warm up as a result of climate change. “Warmer sea surface temperatures fuel stronger hurricanes,” Swiss Re Canada CEO Monica Ningen observed during

Sculpture of Themis, mythological
News ClaimsClaims CanadaCommercial LinesInsuranceLegal

Where insurers are at with Canadian pandemic BI litigation

March 9, 2022 by David Gambrill

Canadian courts are dealing with pandemic business interruption (BI) cases at a glacial pace compared to those in the U.K. and the United States, prompting some legal observers to call for judicial reform. “As the pandemic extends into its third

Real Estate House Appraisal And Appraisers Inspection
News AdjustersClaimsClaims CanadaInsuranceLegal

Appraisers in home insurance claims don’t have to be neutral, court finds

February 17, 2022 by David Gambrill

Appraisers in home insurance claims don’t have to be neutral, the umpires do, the Court of Appeal for Ontario has ruled. In Desjardins General Insurance Group v. Campbell, Ruth Campbell made a home insurance claim against Desjardins General Insurance Group after a

Business fraud investigation
News Insurance

Claims adjuster appoints new director of investigation services in Canada

January 26, 2022 by Jason Contant

Claims adjusting firm Sedgwick has appointed Mandy Yousif as director of investigation services in Canada. Ontario-based Yousif will lead Sedgwick’s new research and intelligence division for Canada. Sedgwick’s research and intelligence division allows its team of certified experts to provide