Stephen MacDougall

The plaintiff sued her home insurer after it denied her claim for a fire loss.

The insurer denied the claim on the basis that the plaintiff committed fraud in her claim for Additional Living Expenses (ALE) by submitting a fake lease and using the rent money for other purposes.

The court found that the plaintiff and her purported landlord engaged in a deliberate scheme to obtain money from the insurer under the guise of rent.

Because the plaintiff made a willfully false statement in her proof of loss regarding the ALE, her entire claim was vitiated.

The plaintiff's action was dismissed, and the insurer's counterclaim for repayment of amounts already paid out was granted.

Forest Grove Homes Limited appealed a Licence Appeal Tribunal decision ordering Tarion Warranty Corporation to repair three Ontario Building Code violations related to the roof of a new home owned by Elaine Ducas.

Ducas cross-appealed, seeking an order requiring Tarion to investigate and correct the underlying cause of water penetration, which the Tribunal found was likely ice damming.

The Divisional Court dismissed both the appeal and the cross-appeal, finding no palpable and overriding error in the Tribunal's factual findings regarding the building code violations, and agreeing that the statutory warranty did not require the builder to investigate the cause of the leak absent proof that a design flaw caused the ice damming.