Keyword
water damage
Condo flooding liability 101
April 18, 2019 by David GambrillYou are the owner of a condo unit. The toilet in the condo unit above you overflows, causing water damage to your ceiling and floor. No, your upstairs neighbour does not have to reimburse you for your $1,000 insurance policy…
Feds to relocate Ontario First Nation community that was built in a flood plain
April 16, 2019 Kristy Kirkup - THE CANADIAN PRESSOTTAWA – The pain of spring flooding at a First Nation in northern Ontario is hitting harder this year, as government promises for a permanent new location remain far from reality. Starting on Monday, more than 2,500 members of the…
How many Canadians actually understand water damage coverage?
December 6, 2018 by Jason ContantOnly about half of Canadians polled by Canada’s third largest insurer understand what kind of water damage is covered by their insurance policy, providing an opportunity for brokers to educate clients on the coverage. “For insurance brokers and agents, understanding…
Insurer said to have denied coverage ‘without a comprehensible explanation’
November 26, 2018 by Greg MeckbachIntact Insurance won a coverage dispute in court but “poor customer relations” means the homeowner plaintiff does not have to pay Intact’s legal defence costs. Homeowner Arnie Augspols sued Intact and G. Bates Plumbing. Augspols noticed several problems in his…
Condo deductible dispute arises from 60-gallon flood
November 19, 2018 by Greg MeckbachWhen a store on the main floor of a condo building suffered $25,000 in losses from a flood, the strata corporation was on the hook for the $5,000 deductible. The strata corporation tried to recover the $5,000 deductible from a…
Condo insurance: who’s responsible for dryer vent condensation?
November 30, 2017 by Canadian UnderwriterA strata corporation is partly on the hook for water damage to a condo unit arising from a buildup of water in a dryer vent, but there is no indication the damage is covered by the strata company’s insurance. Adding…
Property Loss Update: A review of recent cases, Part 2
November 17, 2017 Glenn GibsonThis is Part 2 of the property loss review that began in the Feb-Mar issue of Claims Canada. Carter et al V. Intact Insurance Company, Ontario Court of Appeal, December 6, 2016 On March 16, 2011 a fire caused…
Property Loss Update: A review of recent cases, Part 1
November 3, 2017 Glenn GibsonThere have been a number of very important cases in recent months involving coverage issues, which are worthy of note. The Supreme Court of Canada has now become involved in trying to clarify the process that should be followed in…
37% of Quebec tenants have no home insurance: IBC survey
September 6, 2017 by Canadian UnderwriterNearly four in 10 tenants in Quebec have no home insurance, “a regrettable situation that clearly puts their financial security at risk,” the Insurance Bureau of Canada (IBC) said in a press release on Wednesday. A survey completed for IBC…
Insurers should ensure consumers are ‘better able to understand’ home insurance policies: CCIR
August 9, 2017 by Canadian UnderwriterIn a paper released Wednesday, Canada’s insurance regulators’ association suggests that insurers need to better educate consumers so they can understand the terms – including limitations, exclusions and deductibles – of their property insurance contracts, while sharing aggregated property risk…
Getting Realistic
June 23, 2017 Sandra Weber, Partner; and Colin Flynn, Associate, McLennan Ross LLPA recent ruling by Alberta’s Court of Appeal, finding insurers are not guarantors of construction, could have an impact on insurers facing large claims for pre-existing deficiencies or long-standing building code infractions revealed by inspections after damage from an insured peril. Does the reasoning mean insurers in Alberta no longer need to pay for deficiencies never realistically contemplated as being part of the insured risk?
New State Farm Canada app includes telematics and water detection programs, account access
June 5, 2017 by Canadian UnderwriterState Farm Canada announced on Monday that it has released a new app that includes telematics and water detection programs, as well as easy account access. The free State Farm Canada App, available on Apple’s App Store and Google Play,…