The insured retained a public adjuster on a contingency fee basis to assist with a fire insurance claim.
The insured applied for a declaration that the adjuster's fees were a 'loss' under statutory condition 11 of the Insurance Act, and therefore subject to the appraisal process under s. 128.
The application judge agreed.
The insurer appealed, arguing that 'amount of loss' should be restricted to property damage.
The Divisional Court dismissed the appeal, finding that economic losses were covered by the policy and the enhancer endorsement, and that any ambiguity should be resolved in favour of the insured.