From our claims file: Minor car accident in Ontario

By |December 12th, 2013|

The claim is still open because the insurer is subrogating against the vehicle manufacturer.

Claim Description: In September, 2013 an Ontario auto policy client was involved in a minor accident,  she rear-ended a vehicle.

Coverage: Full coverage with a $500 Collision deductible

Total claim payment: $6934 in repairs + $813 for rental

Claim reassessed:

The initial claim was handled quickly […]

From our claims file: disconnected drain pipe

By |November 28th, 2013|

Claim Description: Water damage due to a disconnected drain pipe.  During a severe rain storm, the rain leader from the roof disconnected in the client’s store pouring water through the store retail area.  Damage was  incurred to the client’s tenant improvements, stock and equipment.

Client’s Coverage: Broad Form Property with a $1,000 deductible.

Payment Cleanup of  premises and […]

From our claims file: Theft of copper wiring and tubing

By |November 21st, 2013|

Claim Description: Theft of copper wiring and tubing.  Thieves accessed the roof of the customer’s building where their air conditioning systems are mounted.   The thieves stripped the units of the copper components.

Client’s Coverage: Broad Form Property with a $5,000 deductible.

Payment included the replacement and installation of new air conditioning units.

Total Claim Payment: $ 60,907.50

Risk Management: Many theft exposures can […]

From our claims file: At the pump

By |October 16th, 2013|

Claim Description: The wrong type of fuel, in this case, regular gasoline, was pumped into a diesel car.

Client’s Coverage: The auto policy includes “All Perils” & QEF 20 (Loss of Use).

Total Claim Payment: $9,062.89 after the $500 deductible was applied. Claim Payment included clean out and repair of the engine and a rental vehicle while the car was […]

De notre dossier de réclamation: L’eau coule à travers toute la maison

By |October 9th, 2013|

Description de la réclamation: Un entrepreneur en train de rénover la salle de bain à l’étage, alors que les propriétaires étaient absents pendant le week-end, la valve temporaire pour la toilette a cédée, permettant à l’eau de s’écouler sans arrêt  depuis le deuxième étage, à l’étage principal et au sous-sol causant d’importants dégâts à tous […]

From our claims file: Water flows through entire house

By |October 9th, 2013|

Claims Description: A contractor was in the process of renovating the upstairs bathroom. While the owners were away during the weekend, the temporary valve for the toilet failed, allowing the water to flow unabated from the second floor, to main floor and then to basement causing extensive damage at all levels.

Client’s Coverage: Homeowners Comprehensive Form.

Claim […]

Hailstorm tips: protecting yourself, your family and your home.

By |July 19th, 2013|

Oh my Hail!!
At 3:30 AM this morning, Environment Canada issued these severe weather warnings:

Today..Scattered thunderstorms are expected over northeastern and Southern Ontario. There is a slight risk that some of these thunderstorms could be severe with damaging winds, hail and torrential downpours as the threats. An isolated tornado is also possible.
This evening..Scattered thunderstorms are expected […]

Distracted Driving – Legally?

By |July 18th, 2013|

Even though many jurisdictions have enacted laws against driving while using a handheld phone, this early study seems to indicate communicating hands-free may not be the entire solution.

This is much more than an insurance issue.  Perhaps designers should think about including additional safety systems while the hands free is activated.  For their part, drivers could […]

Toronto Floods – Information to help you during the severe weather situation

By |July 8th, 2013|

Resources and tips for those in Toronto in regard to the flooding July 2013.

Tips: What to do after an earthquake

By |May 22nd, 2013|

May 17 at 9:43, a magnitude 5.2 earthquake occurred near Shawville, QC, and the tremors were felt in the Ottawa-Gatineau area and out to Montreal, Toronto and Waterloo. Just 10 minutes later, the earthquake was followed by […]