Insurance company didn’t renew policy after almost 40 years, Ontario cottage burns down
The denial letter made no mention of any additional risk of fire that would justify cancelling the fire portion of their policy.Exclusive: James Smith Cree Nation killer’s partner shares story of brutality, survival and hope
“It wasn’t a problem getting it fixed — the problem was trying to find contractors who would do it,” said Peter Sisam, Sue’s husband. He said one tradesperson had promised to do the work, then cancelled, and another contractor was due to show up not long before the fire. Paul Johnstone told the Sisams that “going through a non-renewal can be a frustrating process and we apologize for any inconvenience” adding that the action was taken “in good faith and fair notice was provided.”Johnstone wrote that Chubb notified their broker of record on April 29 that the June 11 renewal “would not be offered.”Chubb’s decision not to renew the policy arose after the couple initiated an insurance claim for water damage through their longtime broker, Arthur J. Gallagher Canada.
“At no time was Gallagher advised by you that the cottage required maintenance,” wrote April Pittendreigh, vice president, national claims, for Gallagher Canada.On Jan. 7, Chubb wrote the Sisams a letter advising that “structural damages are not related to a sudden incident but rather to longstanding wear and tear, gradual loss and structural movement.
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