The appellant, Shelly Legault, appealed a trial decision that dismissed her action against TD General Insurance Company for denial of a homeowner's insurance claim following a fire.
The trial judge found that Legault had made a fraudulent declaration regarding additional living expenses (ALE), leading to forfeiture of coverage, and granted TD damages on a counterclaim, plus costs.
The Court of Appeal dismissed the appeal, upholding the trial judge's findings that the appellant's fraud vitiated the policy, that the payment of professional witnesses was permissible, and that the costs award was within the trial judge's discretion.