A serious house fire takes minutes. Everything that follows takes months, sometimes years. You are living in a hotel or a rental, dealing with a restoration company you did not choose, fielding calls from an adjuster you have never met, and trying to remember what was in your kitchen drawers … Continue reading
When a disability insurer wrongfully denies disability benefits, the claim is not always just about recovering unpaid monthly payments. In the right case, a claimant may also be entitled to additional damages because of how the insurer handled the claim. In Canadian disability law, those additional damages usually fall … Continue reading
If your BC home or property insurer has denied a wildfire claim, the denial is not the end of the matter. Insurers in British Columbia owe policyholders a duty of utmost good faith, and many denials based on vacancy clauses, alleged non-disclosure, evacuation sub-limits, depreciation, smoke damage, or proof of … Continue reading
When a disability insurer denies benefits and later starts paying again, that may look like a win for the claimant, and sometimes it can be. But in litigated disability claims, a unilateral reinstatement of benefits can also be used in a way that sharply reduces the plaintiff’s leverage.
An insurer … Continue reading
If your long-term disability claim in Vancouver has been denied for “lack of objective evidence,” you are not alone. That phrase appears in denial letters from all the big insurance companies constantly. It sounds authoritative, but in many cases it is being used too broadly, too rigidly, or without proper … Continue reading
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