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Court appoints George as Umpire

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Northbridge General Insurance Corporation v. Ashcroft Homes-Captial Hall

“Saga of a procedural shipwreck”

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Campbell et al v. Dejardins Insurance

Caselaw

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Kenney v. Johnson & Unifund Insurance

Caselaw

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The Appraisal Process

An Update… by Glenn Gibson, January 2021

This is the 14th iteration of this research paper. It was first published in 1996.

The Statutory Conditions form part of every property insurance policy that is sold in Canada. There is a mandatory statutory condition that triggers “Appraisal” in the event of a dispute on the amount of loss. This alternate dispute mechanism has been part of the policy conditions for decades however there are misunderstandings about how the process works.

The original legislators intended to have the Statutory Conditions guide both the insured and insurer through the claims process. Policyholders pay premiums for protection so that in the event of a loss they can be properly compensated in accordance with the terms of the contract. The Appraisal condition was contemplated to provide an inexpensive, effective way to resolve issues in dispute that relate to the amount of the loss.

 

The goals of this article are to:

    1. Demonstrate how the ‘Appraisal’ process works.
    2. Provide suggestions on how the process can work effectively.
    3. Highlight key legal judgments that help frame and direct the appraisal process.

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