5 total
Insurer liable for arson at vacant building due to estoppel and invalid unilateral policy amendments.
The insured property owner appealed the dismissal of its claim for coverage following a wall collapse, while the insurer appealed the finding of coverage for a subsequent arson fire at the same vacant building.
The Court of Appeal dismissed both appeals.
The wall collapse was not proven to be a fortuitous event.
For the fire loss, the insurer was bound by promissory estoppel preventing reliance on a vacancy exclusion, and its unilateral attempt to amend the policy to exclude arson was invalid under s. 124 of the Insurance Act for lack of written consent.
The court allocated costs 70/30 between a successful fire loss claim and an unsuccessful wall collapse claim, awarding substantial indemnity costs to both successful parties based on their respective offers to settle.
This endorsement determines costs following a trial involving two consolidated insurance claims: a Wall Collapse Claim and a Fire Loss Claim.
The plaintiffs (Lalani) succeeded on the Fire Loss Claim against Intact Insurance, being awarded substantial damages, while their Wall Collapse Claim was dismissed.
A negligence claim against the Broker (D.M. Edwards and CG&B) related to the Fire Loss Claim was also dismissed.
The court allocated costs 70% to the Fire Loss Claim and 30% to the Wall Collapse Claim.
Lalani was awarded partial and substantial indemnity costs against Intact for the Fire Loss Claim.
No costs were awarded for the dismissed claim against the Broker due to their adversarial position and the nature of their offer to settle.
Intact was awarded partial and substantial indemnity costs against Lalani for the dismissed Wall Collapse Claim, based on a public policy objective of promoting settlements.
Insurer estopped from relying on vacancy exclusion after renewing policy with knowledge of building's vacant state.
The plaintiffs sought coverage under their commercial property insurance policies for a wall collapse and a subsequent arson fire that destroyed their heritage building.
The insurer denied coverage for both claims, relying on wear and tear exclusions for the wall collapse and a vacancy exclusion for the fire.
The court dismissed the wall collapse claim, finding the plaintiffs failed to prove it was caused by a fortuitous event.
However, the court granted the fire loss claim, holding that the insurer's unilateral amendments to the policy were void under s. 124 of the Insurance Act and that the insurer was estopped from relying on the vacancy exclusion because it renewed the policy and accepted increased premiums with full knowledge that the building was vacant.
The plaintiffs were awarded over $5.8 million in damages.
A concurrent negligence claim against the plaintiffs' insurance brokers was dismissed.
Class action certified for settlement purposes following a data breach at an online photocentre.
The plaintiff brought a proposed class action against Walmart Canada Inc. and PNI Digital Media Inc. following a data breach at Walmart's online photocentre.
The parties reached a settlement agreement providing for credit monitoring and reimbursement of out-of-pocket expenses up to a combined maximum of $750,000.
The plaintiff brought a motion on consent to certify the action as a class proceeding for settlement purposes.
The court found that all criteria under section 5(1) of the Class Proceedings Act, 1992 were met and granted the motion.
Application for accident benefits dismissed after applicant failed to attend preliminary hearing.
The applicant applied for statutory accident benefits following an alleged motor vehicle accident.
The insurer disputed the claim, alleging it was fraudulent and that the applicant was not in the vehicle.
The applicant failed to attend the preliminary issue hearing.
Based on the uncontested evidence of an independent witness who testified that the applicant was not in the vehicle, the arbitrator found the applicant was not involved in the accident.
The application for arbitration was dismissed without costs.
