Examines coverage disputes arising when Alberta wildfire claimants attempt to redirect debris removal costs toward contents losses exceeding policy limits under standard homeowner provisions.
Faculty of Insurance
Debris Removal and Policy Limits: When Coverage Obligations Conflict
What this course covers
Scenario
A wildfire near Jasper, AB caused damage to a home and its contents. The restoration company found bunch of asbestos after removing a bunch of debris. The owners are claiming contents loss in excess of their policy limits and instructing their insurers not to pay for debris removal. The insurer is pushing back saying that debris removal must be paid, and that the cost of doing so is paid from the policy limits, as per the Standard Contents Policy.
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