Following a tornado that destroyed or damaged their homes, the insureds and their insurer, Desjardins, disagreed on the value of the losses.
Desjardins brought applications and a motion to stay the insureds' bad faith action pending the completion of the statutory appraisal process.
The court held that an insured's lawyer may act as their appraiser, as appraisers are advocates and need not be impartial, unlike the umpire.
The court also held that insureds may wait to submit a proof of loss based on actual repair costs rather than estimates, provided they act diligently.
The motion to stay the bad faith action was dismissed, as the insurer would suffer no prejudice from parallel proceedings.