The deductible in a course of construction policy was not binding on the insured because the insurer failed to comply with s. 31 of the Insurance Act

Insurance law – Builder’s risk policy – Statutory provisions – Rectification – Promissory estoppel PCL Constructors Westcoast Inc. v. Royal & Sun Alliance Insurance Co. of Canada, [2019] B.C.J. No. 929, 2019 BCSC 822, British Columbia Supreme Court, May 23, 2019, C. Murray J. The insured construction company brought a summary trial application seeking a ...

The flood coverage of an all-risks policy did not apply to rain water accumulating on the ground, and the business interruption coverage was restricted to complete cessation of business

Insurance law – All-risk insurance – Accidental – Business interruption coverage – Interpretation of policy Le Treport Wedding & Convention Centre Ltd. v Co-operators General Insurance Co., [2019] O.J. No. 2595, 2019 ONSC 3041, Ontario Superior Court of Justice, May 17, 2019, D.K. Gray J. The insured events centre sought coverage under an all-risks policy ...

Title insurance did not cover costs to repair new home with severe water leakage problems later subject to a remediation order

Insurance law – Homeowner’s insurance – Title insurance – Water damage – Remediation – Interpretation of policy – Practice – Summary judgments Steer v. Chicago Title Insurance Co., [2019] A.J. No. 565, 2019 ABQB 318, Alberta Court of Queen’s Bench, May 6, 2019, M.H. Hollins J. The plaintiffs purchased a newly built duplex and discovered severe ...

The insured’s failure to provide her son’s updated contact information did not breach the duty to cooperate

Insurance law – Automobile insurance – Breach of policy – Relief against forfeiture – Practice – Appeal – Summary judgments Ruddell v. Gore Mutual Insurance Co., [2019] O.J. No. 2130, 2019 ONCA 328, Ontario Court of Appeal, April 25, 2019, K.M. van Rensburg, C.W. Hourigan and G. Huscroft JJ.A. The insured’s son was the driver of ...

Insurer ordered to produce its policies, procedures, guidelines and internal documents concerning how an accident benefits claim was handled in a bad faith action

Insurance law – Automobile insurance – Benefits – Motor vehicle accidents – Bad faith Malloy v. Intact Insurance Co., [2019] N.S.J. No. 170, 2019 NSSC 131, Nova Scotia Supreme Court, April 29, 2019, J.S. Campbell J. The insured was injured in a motor vehicle accident. The insurer accepted the claim for accident benefits, but denied ...

The amount owed by the insured for failing to supply a product pursuant to a contract was not covered under the business interruption coverage

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Insurance law – Business interruption insurance – Exclusions – Rights and duties of insured – Practice – Summary judgments Cancarb Ltd. v. Ace Ina Insurance, [2019] A.J. No. 449, 2019 ABQB 258, Alberta Court of Queen’s Bench, April 12, 2019, Master J.T. Prowse The insured operated a steam turbine and sold electric power to a ...

The builder’s risk policy only covered damage to property which was under construction, not the resulting damage to other property on the premises

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Insurance law – Commercial general liability insurance – Builder’s risk policy – Exclusions – Interpretation of policy – Practice – Summary judgments Pre-Eng Contracting Ltd. v. Intact Insurance Co., [2019] O.J. No 1812, 2019 ONSC 1700, Ontario Superior Court of Justice, April 10, 2019, P. Bawden J. The insured’s builder’s risk insurer and commercial general liability ...

The commercial general liability policies only applied to property damage occurring during the policy period and the pollution exclusion excluded damage to adjacent property as a result of the migration of pollutants from the insured’s property

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Insurance law – Commercial general liability insurance – Occurrence policy – Property damage – Pollution exclusions – Duty to defend – Rights and duties of insurer – Interpretation of policy – Costs West Van Holdings Ltd. v. Economical Mutual Insurance Co., [2019] B.C.J. No. 550, 2019 BCCA 110, British Columbia Court of Appeal, April 5, 2019, ...

Insurer liable for damage to roof of insured’s trailer, as well as water damage to trailer that followed despite the water damage not arising immediately

Insurance law – Automobile insurance – Trailer – Collision – Exclusions – Interpretation of policy – Damages Targett v. Royal and Sun Alliance Co., [2019] N.J. No. 91, 2019 NLPC 1318C00191, Newfoundland and Labrador Provincial Court, March 22, 2019, W. Gorman Prov. Ct. J. The insured owned a travel trailer that was damaged when the roof ...

Insurer’s application to summarily dismiss an injured pedestrian’s claim against her father’s automobile insurer where the plaintiff was hit by eggs thrown out of a moving vehicle was dismissed as there was a genuine issue for trial

Insurance law – Automobile insurance – Exclusions – Unidentified motorist – Uninsured motorist – Chain of causation – Ownership – use or operation of motor vehicle – Statutory provisions – Practice – Summary judgments Gilbraith v. Intact Insurance Co., [2019] O.J. No. 1523, 2019 ONSC 1875, Ontario Superior Court of Justice, March 22, 2019, A. Sosna ...