Gowling WLG (Canada) LLP

In a property insurance appeal, insured homeowners sought full guaranteed rebuilding costs after a total-loss flood, including legal-compliance costs imposed by conservation authority requirements.

The Court interpreted the standard form policy and guaranteed rebuilding cost endorsement together, holding the compliance-cost exclusion remained operative except for the specified additional $10,000 coverage.

The majority held the exclusion’s language was unambiguous and that applying it did not nullify the endorsement’s core benefit of coverage beyond the policy limit.

Dissenting reasons would have allowed broader recovery at least for compliance costs tied to laws in force at renewal.

The appeal was dismissed with costs.

The defendants, including Justin Trudeau and Benjamin Netanyahu, brought a motion under Rule 2.1 of the Rules of Civil Procedure to dismiss an action initiated by the plaintiff, "Bride ov Christ" (represented by Lizi Peter), as frivolous, vexatious, and an abuse of process.

The plaintiff's claim, naming 817 defendants, alleged "conspiracy of silence, intentional infliction of mental suffering and ostracism" preventing recovery from trauma-related identity disorder and a gastro-intestinal condition, seeking over $160 million in damages.

The court found the pleading to be a clear example of querulous litigant behavior, noting the absence of recognized torts for "conspiracy of silence" or "ostraciism" and a lack of material facts to support the claim of intentional infliction of mental suffering.

The action was dismissed against all defendants.