Some wildfire claims start with smoke damage to a house that’s still standing. This one starts differently: a wall is gone, part of the roof is gone, maybe a whole floor is gone. The fire reached the structure. Nobody is arguing about whether this counts as a loss. The argument is about the number. What […]
A pipe breaks overnight and you wake up to a flooded basement, or a fire, or you get home from a week away to a forced window and half your stuff gone. The thing is, you need to file an insurance claim. You do what you’re supposed to, but the insurer starts stalling, or comes back with a number that doesn’t even cover the drywall. Or just says a plain “no”. So, do you bring in a […]
Suing your own insurance company feels like the wrong kind of fight. It is the company you chose, the one you’ve been paying for years, the one that exists to catch you when things go wrong. And yet a lot of British Columbians end up exactly there: sitting with a denial letter, a stalled file, or an […]
Your business insurance in BC was supposed to protect you. You paid your premiums. You followed the rules. Then disaster hit, and you filed a claim expecting a fair process. Instead, you got a letter. Claim denied. If that is your situation right now, know this: a denial is not the end. It is a […]
Your basement is flooded. Water is everywhere. You’re standing in it, phone in hand, thinking: “At least I paid for insurance.” But here’s the hard truth. Not all water damage is created equal in the eyes of your insurer. In British Columbia, making a water damage insurance claim can get complicated fast. Some floods are covered, some aren’t, and the difference […]
We are proud to announce the launch of the Canadian Public Adjusters Association (CPAA) (www.cpaa-adjusters.com) — a national not-for-profit organization dedicated to advancing consumer protection and strengthening public awareness in Canada’s property insurance sector. In recent years, Canadian homeowners and property owners have faced increasing challenges navigating the insurance claims process without proper guidance, advocacy […]
When fire strikes a home severely the result is financially devastating. Charred remains, melted and soaked building components and personal property, smoke residue ranging from being thick and greasy to light dust covering everything tell a story of hundreds of thousands of dollars worth of loss. The financial devastation is obvious to even the untrained […]
After a first party property loss, an insured sometimes retains a public adjuster to assist them in presenting their insurance claim and advocating their position to their insurer. In doing so, the public adjuster will often base their fee on a percentage of the insured’s gross settlement with their insurer. This has led to some […]