Canadian Underwriter

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Claims

Flooded out house
News CatastrophesClaimsClimate ChangeInsurance

Insurers bring Cat claims in-house: How independent adjusters adapt

February 7, 2024 Jason Contant

Some major Canadian P&C insurers are bringing claims processes in-house, arguing it results in a better customer experience, cost efficiencies and consistent claims-handling. But that doesn’t mean the end is near for independent adjusters (IAs). They see a bright future

Food delivery driver in action
News BrokersClaimsInsuranceLegal

How accident claims hit rideshare drivers’ personal auto policies

January 26, 2024 Philip Porado

There seems to be a disconnect between drivers and their insurers about the ability to access personal auto coverage when driving for food delivery or rideshare companies like Uber, Lyft and others. While there’s no hard data to quantify a

Repair team in a storm damaged building
News ClaimsClimate ChangeInsurance

How reconstruction companies are improving repair timelines

January 22, 2024 Alyssa Di Sabatino

A shortage of tradespeople isn’t making it easy for the restoration industry to recover from extended repair cycle times during the pandemic. While cycle times are starting to improve, frequent NatCats and a lack of qualified talent are stretching capacity

Removing damaged drywall
News ClaimsInsurance

Can higher lodging costs cut restoration losses?

January 12, 2024 Philip Porado

Insurers looking to reduce home restoration claims costs should find ways to avoid tearing out walls, flooring, rugs, trim and other major construction components. One insurer’s launched a program to do just that. The approach will lead to a “1%

Close up of an industrial bricklayer installing bricks to build back on a construction site
News BrokersCatastrophesClaimsInsurance

Should insurers help customers build back better…or not at all?

January 4, 2024 Philip Porado

Increased severity and frequency of NatCats has Canada’s P&C insurance ecosystem seeking ways to add resilience to the claims process. This includes build back better initiatives to encourage adding things like hurricane straps or hail-resistant shingling to roof rebuilds to

Insurance losses going down the drain
News CatastrophesClaimsInsurance

How insurers can manage losses as NatCat events ramp up

December 18, 2023 Philip Porado

Whatever’s driving increasingly devastating storms over the past decade, one thing is certain — insurers have watched NatCat losses ramp up over the past decade. “It used to be an unusual year where you’d have more than a billion dollars

Bad car crash
News BrokersClaimsInsurance

Do auto clients ask for trouble by hiking deductibles?

December 15, 2023 Philip Porado

During the recent renewal cycle, many personal auto customers opted to increase their deductibles to reduce their annual premiums. Now, those decisions are leading customers who’ve been in accidents to delay pursuing claims because they don’t have enough cash on

Minor car accident
News BrokersClaimsInsurance

How economic woes hike minor accident claims

December 13, 2023 Philip Porado

Current economic conditions have people stressed, and it’s showing up in personal auto claims, said Jesica Ryzynski, a claims specialist with Mitch Insurance. Minor at-fault accidents among insureds are taking place more frequently, she told CU, with many taking place

A volunteer directing traffic in Yellowknife
News AdjustersCatastrophesClaimsClaims CanadaCommercial LinesInsuranceMarkets / Coverages

Adjusters provide update on B.C., N.W.T. wildfires

September 6, 2023 by Jason Contant

Wildfires in British Columbia and Northwest Territories continue to present a mixed bag of claims for P&C adjusters. Claims adjusters are seeing a variety of both residential and commercial losses. “Major loss, total losses and less severe claims as well,”

News CatastrophesClaimsInsurance

What’s Franklin have in store for Atlantic Canada?

August 29, 2023 Philip Porado

As Hurricane Franklin starts turning North, Atlantic Canada is watching and waiting to see whether it makes a direct hit, or if the storm will weaken before reaching Canada’s coast, as current maps suggest. Franklin is expected to cross the

Doctor fitting a wrist brace after a sprain
News ClaimsInsuranceLegal

Why this AB claimant couldn’t prove an inability to carry on a normal life

July 27, 2023 Philip Porado

An accident benefits claimant failed to meet the stringent non-earner benefit (NEB) test and is not entitled to ongoing benefits, adjudicator Derek Grant wrote in a July 21, 2023 Licence Appeal Tribunal decision. The claimant, Dominik Crnogorac (referred to afterwards

Carpenter at work on a kitchen repair
News AdjustersBrokersClaimsConstructionInsuranceRestoration

High building materials and labour costs still slowing home repairs

July 12, 2023 Philip Porado

While inflation’s pace has eased in Canada, it’s still expensive to put homeowners back into their properties after a fire, flood, wind or other event. That’s because lingering supply chain and labour-shortage issues are extending restoration timelines. And that’s increasing