When CBC Censors Free Speech – CBC Propagates Racism

Today CBC Edmonton profiled an opinion piece on their Face book page, a piece called Minority groups are seeing one of their greatest fears come true- they’re becoming targets at home” written by Saada Branker. In this piece The very first line, added by the CBC Facebook staff, above the placement of this article reads “OPINION: How on earth did we get here?” Seeing as this was placed on a social media site, a site intended for discussion, I decided to answer that very question for them. But low and behold, when the time came to publish my comment, over and over again it would not be allowed.

Now knowing how slanted the CBC is in only supporting the left, and in knowing that the CBC censor comments and ban contributors, this isn’t surprising. We all know the CBC is a leftist propaganda machine that refuses to tell the truth even though it is funded by the Canadian taxpayer. After all no one is delusional enough to ever expect the “left” to be fair or “truthful”. So in response to not being allowed to post my comment on the CBC Facebook site, I will simply blog my response here and send out the links.


CBC asked, in response to this opinion piece “How on earth did we get here?”. Here is my response:

Closed minded slanted news reporting is to blame for a lot of the tensions “portrayed ” in the news followed by the hatred portrayed by the left.

Let me give you a few examples. If a person supported Brexit the media and the left instantly called the person a racist, it didn’t matter if the reasoning was that your support for an exit was more control over a country’s economy, law or regulations…..against it and the media called you a racist. If you were for Trump, the left and the media called you a racist, it didn’t matter what your reasoning was, even if it was the fact that running a government involves a lot of management of departments and funds, exactly like big business, and so business experience would be highly beneficial to get a population back to work, ……but say you support Trump and you are a racist.

The left and the media have been brow bashing whites, especially white males; they have been carrying out their own campaign of hate and lies with no other reason to make the comments other than the people are “white”. This, my dear media and leftest comrades, is racist.

Now let’s discuss an interesting topic, let’s talk immigration since the left and the media are experts. I have been through the immigration process, my husband has been through the immigration process, and because we have been through it we get to share our experience with others have done the same. In the past year we have had the immigration discussion with people of multiple ethnic backgrounds and colors. Guess what we are hearing? We are hearing “We came to Canada to be safe, and now the government is just letting in all these types, now Canada will be as dangerous as where we left.” we have also heard “We did it the right way, we went through all the security checks, it is unfair they are just letting them walk in.” Plus ” We immigrated following the rules, then we worked hard, but the government just gives these people handouts paid with my tax money. It is so unfair.” These are statements by NON-WHITES. These are statements by IMMIGRANTS.

With both Brexit and Trump the media showed their uneducated bias with flying colors, they showed their inability, or just plain reluctance, to show the truth. You see the media refused in both situations to recognize the difference between IMMIGRATION and FREE MOVEMENT. There is a vast difference. Some immigration is beneficial, and some is not, free movement is never beneficial.

Trump’s “build a wall” was to keep out ILLEGAL immigrants, however the media refused to accept these people crossing the border were committing a crime; it is the equivalent of a drug pusher being called a small business owner.

The free movement of people to Britain has kept wages at a standstill in Britain for over 20 years in areas outside of London, plus the influx of both refugees and migrants from eastern Europe has left their social services and social housing at a breaking point. But the media won’t report this, the left won’t accept this, it is easier to shout racist.

And then there are the put downs. The media tries to say if you supported Trump or Brexit you are a poor, uneducated, white male who feels threatened. I have heard this propaganda spouted endlessly on CBC radio and BBC radio. But the fact is this is a lie. For myself, the only criteria I fit of the media driven stereotype is “white” (well white is a derogatory term, I am CAUCASIAN of EUROPEAN DECENT yet one side of my family has been in Canada well over 250 years…..not common white, I deserve the same cultural distinction as others). I am educated, I am not poor, I am not threatened. I think if the media were to research who really supported Brexit and Trump, they were people who believe in free enterprise, advancement, less taxation, less nanny-state, and control over their own country. So could you tell me how this is racist?

Prior to Brexit I was listening to radio interviews on BBC, and they are as slanted as North American left wing media. They went through a business district in Birmingham (UK) and started asking business owners about Brexit. An amazing number wanted Brexit. They wanted it for business, and they wanted it for immigration because free movement meant the ONLY immigration the country would be able to handle (well not even) was the refugees and European free movement; it meant the UK was closed to the rest of the world if Brexit did not happen. Would you like the punchline (anyone who has lived in the UK has already guessed it), the business district was one where all those interviewed were originally from Pakistan. Not “white”. Not threatened “white” males.

But for closer to home CBC radio did an interview in Vancouver several months ago where it was indicated that many members of the Asian community did not support the influx of Syrian refugees. The radio piece quickly glossed over it and focused on the Asian person who supported the refugee effort; unbalanced reporting.

There are snippets that come out in the media, and then the left and the media sweep under the carpet the fact that “non-whites” also have concerns, they make this disappear. One would ask why? BECAUSE THE LEFT AND THE MEDIA ARE RACIALLY PROFILING WHITES. There you have it.

This is why stories like a Muslim burning down his own mosque disappears so quickly, or the woman who faked the account of her head scarf being torn off was a blip, or the fact that the media won’t call a terrorist attack a terrorist attack when the suspect is Muslim (oh my, it must be mental illness), or that it is all the fault of whites for the current state of aboriginals (even though the drug trade in our area is completely run by aboriginals…but somehow it is “my” fault that they are the ones dealing the substances that are killing people).

This opinion piece asks “How on earth did we get here?”….the MEDIA has created it and the LEFT has created it. You my friends are the two segments to blame.

But let’s look at this closer, how do we know it isn’t the left perpetrating these hateful acts in order to continue their hateful campaign against the “threatened white male”? How can we know it isn’t the left doing these shameful acts to keep the vision of the “hateful bad whites” in the media? We have a black Muslim man burn down his own mosque, but the assumption was a hate crime by whites. We have a woman faking a head scarf attack, again an assumed hate crime by whites….but in the end it wasn’t. It is starting to surface that many of these attacks profiled heavily in the media are incidents that have been manufactured by the left to be able to continue their hateful campaign against whites (yes indeed, that is racism).

Now I will sum up this piece, which is perhaps more in depth and wider reaching than the original opinion piece, because the opinion piece published by CBC was only another piece of media propaganda aimed at the “hateful white person”. Well done CBC.

I want to point out how warped the left has become, and how they try to use the threat of racism to oppress a society.

The Alberta premier, Rachel Notley publicly insulted Albertans who opposed the CARBON TAX as XENOPHOBIC. Did you catch that…….XENOPHOBIC. Because Albertans oppose an unfair taxation on CARBON, yes, CO2, she has in turn called the population of her province XENOPHOBES. Media do you know what that means? Left, do you even know what that means? I will supply you with a definition.

“Xenophobic: having or showing a dislike of or prejudice against people from other countries.”

So there you have it, if the LEFT have any opposition to their beliefs they simply call those who oppose them RACIST. RACIST IS THE LEFT’S DEFAULT. The media in turn laps it up, it is an easy tabloid story, they don’t follow up the facts, they don’t even investigate to see if they are real hate crimes. False sensationalistic tabloid news. Heaven forbid we would ever see investigative JOURNALISM (again why ARE you in the NEWS business CBC?…..oh yeah, government propaganda..right!).

So how did we get here? The left. The media. But most surprisingly I present to you another option, and that is that WE AREN’T . I suggest WE AREN’T is the most relevant point. The left and the media are choosing incidents of minute proportion in comparison to the whole population and geography of our country and BLOWING THEM OUT OF PROPORTION AS A PROPAGANDA MACHINE TO BULLY THE POPULATION INTO SUPPORTING THEIR IDEOLOGY. There, dear author of the opinion piece is your answer. Stop the propaganda machine, and go back to fact based journalism, and the world will seem to be a completely different place instantly.


And there, dear CBC is the work around to the blocking of comments and the blocking of free speech.

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Wawanesa Insurance problem….how can you be dinged for depreciation from before the property was built?

blog snowy cabin_3878

It’s the ongoing saga…….can anyone figure this out for me……..

We got an email May 19th 2015 from the new adjuster, it included this phrase…..

blog cabin 1…..so we phone up the Lac Ste. Anne County Office, the county in which the cabin resides, and ask “What year was the cabin built?”

(crossing our “t”‘s and dotting our “i”‘s)

The answer 1963.

Anyone spot the problem?

For the cabin to be depreciated 55 years it would have had to be built in 1960…….it wasn’t built until 1963.

Wawanesa Insurance is trying to depreciate a property for 3 years BEFORE THE PROPERTY EVEN EXISTED.

Problem?

perhaps

Stay tuned…..there is so much more.

( I suspect this post is the pre-game warm up!)

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“NO, I will NOT work for free.”

“No, I will NOT work for free.”

I bet you are intrigued by the above statement. Perhaps you are wondering what has inspired me to write the statement. Well, it is a tale that needs to be told, has been told, and a story many others have also experienced. So sit back, grab a big cup of coffee…..it is time to share the story as to why I WILL NOT work for free.

city hall park, red deer, albertaIt all started with this picture. Honest to goodness it did. A shot of the City Hall Park in Red Deer, Alberta, Canada. So while I thought I was posting on this blog a beautiful image showing our city’s downtown in a most positive light, what I didn’t realize was this image was the gateway to insult and a demeaning of my worth.

Was it a crap picture? No. That was the problem. The problem was this was a picture that others wanted.

blog work for free rdpsd

One day in September I received a message in my WordPress notifications requesting permission to use the image. The message was from Red Deer Public Schools. A publicly funded institution wanting permission to “use” my “photo” for the foreign student brochure. I was a bit put out. A bit insulted. Instead of getting into it with the person requesting use, a person who is paid a salary for their work (that clearly involves surfing the net….obviously….your tax dollars at work!), I simply didn’t respond. My tactic was “If you don’t have anything nice to say don’t say anything at all.”

I knew this would eventually happen, I just wasn’t expecting a PUBLICLY FUNDED institution, an institution funded by our TAX DOLLARS, to behave this way.

For months my emails and messages were normal and then one day I opened an email from the Government of Alberta. It read:

blog work for free alberta govt 1The pictures being discussed were of the Jeongia in Edmonton, Alberta.

Jeongja, Edmonton, Alberta, Canada Jeongja- Edmonton, Alberta, Canada Jeongja detail - Edmonton, Alberta, Canada I responded thinking surely the Government of Alberta is going to provide compensation for the use of images. WRONG. Instead I received the following response:

blog work for free alberta govt 2Yep, the Government of Alberta was going to offer me in compensation for my work “good karma and lots and lots of appreciation” . That’s pretty special isn’t it? Could you imagine how far I would get paying my provincial tax in “GOOD KARMA”?. My gut tells me that wouldn’t go over so well. “GOOD KARMA” also doesn’t feed my children, or clothe them or keep a roof over their heads.

Isn’t it special when someone sitting in a cushy job, playing on the internet, paid with MY TAX DOLLARS, tells me that all my work is worth is “good karma”.

As you can guess this one really rubbed me the wrong way. Insulted. Undervalued. They came to me regarding the images and then expected me to hand them over because artists in our society have ZERO value. Did anyone pick up on the irony? I, a born and raised Albertan, from a family that has been in Alberta well over a century, was supposed to GIVE AWAY their work to celebrate the cultural history of Korea. A twinned relationship with a foreign country was more important to the Government of Alberta than treating their own productive taxpaying lifelong resident fairly.

The Government of Alberta expected me to work for free.

Yes, I wrote an email regarding the fact that it was about time the government started to appreciate and see value in artists. I couldn’t stay silent on this one. I am sure it was just deleted.

A message was left on my phone about there being a “misunderstanding”. How? I didn’t return the call. How much devaluation should one have to endure? Chances are they were just going to withdraw the offer of “good karma” or perhaps charge me to use my own images. I wouldn’t doubt it.

red deer city hallSo today my phone dings, I look down, and this is the email that has just come through:

blog work for free red deer advocateThis time it is the Red Deer Advocate asking to “use” an image of Red Deer City Hall for their advertising department. Seriously. Are you kidding me?

First I was going to email back (as in the case of the Government of Alberta). Then I was just going to ignore it (as I did with Red Deer Public Schools). Then I decided to BLOG it. And so I did.

Does anyone else see how bizarre this request is? The Red Deer Advocate EMPLOYS their very own PHOTOGRAPHERS. The Red Deer Advocate has ARCHIVES. It was +28C today, the sky was blue, City Hall is a 10 minute drive from the newspaper’s headquarters, yet they would rather I just GIVE them my work than shoot a picture of the bloody thing.

They want to “USE” my image for THEM to MAKE MONEY!

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I’m tired of publicly funded institutions trying to screw me over.

I’m tired of the government trying to screw me over.

I’m tired of big business trying to screw me over.

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I am professionally trained in both art and photography. I have diplomas in Fine Art and Design plus in Photographic Technology. I have years of experience on two different continents. If you want my images I must have FINANCIAL compensation.

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The Red Deer Public Schools are NOT a charity.

The Government of Alberta is NOT a charity.

The Red Deer Advocate is NOT a charity.

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I WILL NOT WORK FOR FREE

(and if you ask me to, I’ll blog about you too! Enough is enough.)

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Wawanesa Thinks (potential) Asbestos and Families is a Great Mix! (Twice!!!)

Is your insurance company putting your health at risk?

Is your insurance company putting you, the insured, in harm’s way due to their policies?

These are questions you never thought you would ponder when dealing with house insurance, but this is exactly what we are dealing with now.

Remember all the problems we have had with Wawanesa and their HANDLING of our insurance claim? You can view the posts here and here . This led to Wawanesa forcing us to do THIS if we had any hope of a claim. The “THIS” was us, the amateurs, completely opening up the cabin to look for a cause for the water damage as the professionals that looked at the cabin in October 2014 refused to look. At that time we thought having the insured strip back a building full of water, and opening up walls potentially full of electrical and water, was both insane and lacked ethics and business common sense. I remember saying to our broker, while sitting in our broker’s office “Do they want to kill us?”. He said no, yet was puzzled by the handling of our claim by Wawanesa.

Luckily the mix of electrical and water didn’t electrocute us and our five children on the spot. Perhaps this was a great disappointment to Wawanesa, perhaps not. Yet now we realize we aren’t “out of the woods”. Now we are dealing with the potential of EXPOSURE TO ASBESTOS due to Wawanesa’s handling of our claim.

wawanesa insurance makes homeowner do own exploration 2Remember this picture? This picture was in the blog post discussing our visit to the cabin on November 23, 2014. This picture was also sent in a set of four DVD’s sent to Wawanesa offices in both Edmonton, Alberta and Winnipeg, Manitoba (head office). This picture shows where my husband has fallen through old tiles that were hidden under the laminate when we were forced by Wawanesa to do our own exploration on our cabin if we wanted any hope of making a claim. We had to try, you need to protect your investment.

Last Saturday, February 21st 2015, we went back to the cabin with a new adjuster, restoration crew, and engineer to take another look at our cabin. They started to look for access points to look at the foundation to see just what was happening under floor level (makes sense)………. and then we hit a snag. They noticed the tiles. Tiles of a certain age, an age when some tiles contained asbestos. The engineer has a mask on. The adjuster has a mask on. My husband, myself and the restoration crew DID NOT HAVE MASKS ON. Exploring through the floor stops; they can’t cut until they know “if” there is asbestos in the tile.

They bag a sample of the tile. They tell us we will know in two days if there was asbestos in the tile.

The sample was bagged on February 21st, 2015. It was a weekend so realistically I thought we would hear by end of the day on Tuesday (February 24th). We received no phone call or email.

On Wednesday….no call or email.

On Thursday….no call or email.

On Friday….no call or email.

On Saturday, a week later, not two days as initially mentioned….no call or email.

The silence is deafening. Why aren’t we hearing the result?

I admit I am quite anxious to know if we are dealing with asbestos. We picked these tiles up with our hands, I fell through them (thus laid down on all these crumbling broken tiles), our children shuffled over them. If there is asbestos this is very, very bad.

Here is the Government of Canada’s information sheet on asbestos.

Here is what the Government of Canada indicates the health risks are:

When inhaled in significant quantities, asbestos fibres can cause asbestosis (a scarring of the lungs which makes breathing difficult), mesothelioma (a rare cancer of the lining of the chest or abdominal cavity) and lung cancer.

It doesn’t sound good does it?

Imagine “if” it is asbestos our whole family, including five children aged 4,7,10,12 and 16 , have been exposed.

blog cabin family

The potential to be placed in a position of exposure once is bad enough.

An insurance company should NEVER place their insured in a situation where their health and well being are compromised. That is unethical and morally irresponsible no matter what the fine print in a policy states. (By the way, as of today we still have no proof as to where the water came from that damaged the cabin, but the rusted screw directly in front of the drain pipe where the worst damage occurred is awfully suspicious.)

blog drainpipe_9360 detail 1blog drainpipe_9360

Putting the insured in harm’s way for a SECOND time is inexcusable. But that is exactly what Wawanesa did.

Wawanesa could argue “we didn’t know there was tile” with regards to our visit on November 23rd, 2014. Yes they knew we were dealing with a dangerous mix of electrical and water, but their justification was probably “At least it will kill them quick!”. Not a problem in the eyes of insurance. They were probably hoping a good electrocution would kill us and our kids so no survivors could come after them in a lawsuit. My guess is the goal was extermination.

However Wawanesa sent us into the cabin for a SECOND time KNOWING there was a potential risk that we would be exposed to ASBESTOS.

On February 21st, 2015 we attended the cabin with the adjuster and his crew, while Wawanesa KNEW the property contained old tile with the potential risk of containing asbestos. How did they know? Well first there was the picture in the blog post. Hundreds upon hundreds of you have seen it. Secondly I sent a set of four DVD’s sent to Wawanesa offices in both Edmonton, Alberta and Winnipeg, Manitoba  that contained video and stills of the area, video that actually included me falling through these tiles that have a potential to contain asbestos. The tiles are clearly visible, the tiles are clearly the vintage of potentially containing asbestos, yet Wawanesa ignores the fact that this building product has the potential to be incredibly harmful and sends us to the property for a second exposure to a potentially hazardous material. Wawanesa are in the business of assessing risk, risk involved with properties, plus risk involved with health and well being with regards to Wawanesa Life, yet they CHOSE to put the INSURED AT RISK.

Wawanesa must hate their customers so much that if electrocution doesn’t work, that they they consciously choose to put their clients in contact with substances known to cause cancer. Are Wawanesa hoping for a slow, painful agonizing death?

So Wawanesa hates their insured, the people that allow them to makes millions or billions in profits, I get that . It is blatantly obvious. I’m still paying my monthly premiums on three residences, a business and a vehicle just so that I can have the pleasure of having the option of either being electrocuted or die of cancer at the hands of the handling of our insurance claim by Wawanesa. I know sadomasochism is “in”, it’s “50 Shades of Wawanesa”…….now we know where a former CBC radio host could be working. But not only did they put us in a potentially hazardous situation for a second time, they also put the workers with the restoration crew. They also were in the property, with broken crumbling ancient tiles, breathing in air with the potential to contain asbestos. This is how Wawanesa treats their trades. Are the tradespeople  also disposable to Wawanesa?

Wawanesa had the video and the pictures of the tile (at the Edmonton AND Head Office in Winnipeg) and they CHOSE to send the insured and the trades into a potentially hazardous situation.

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One last little tidbit. When we had our case assigned to a new adjuster my husband asked if he had all the information as to what had happened with this property. He replied that he had a file two inches thick. On Saturday February 21st, 2015 we discovered he had NEVER BEEN GIVEN THE VIDEO. Wawanesa is back to their old tricks of manipulating a situation. They WITHHELD  the video which showed all the exploration including the POTENTIALLY HAZARDOUS TILE. If Wawanesa had been honest and transparent and had given the new adjuster all the information the new adjuster could have prevented both my husband and myself, and the restoration crew from entering a potentially toxic zone. But Wawanesa chose to continue to play their games.

Wawanesa can’t be trusted.

Wawanesa chooses to put their insured in harm’s way.

Wawanesa values profits over people.

“If property insurance doesn’t protect your property or investment why have it? Then it is just a scam.”

Food for thought.

I encourage others to learn from our experience and evaluate the company you are insured with. No one should have to go through what we have.

I wonder “if” and “when” we will find out if the tiles contain asbestos.

 

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Saturday, Saga, Site, Shock, Snow, and Shopping

blog snow_3889 aToday’s blog post is brought to you by the LETTER S.

(teeth together, smile, make the snake sound……too many kids in speech therapy)

I thought I would put a Sesame Street spin on today’s blog post with the hope of adding some whimsy, as life in general isn’t feeling so whimsical.

blog snowy cabin_3878

Saga – we are still dealing with the ongoing saga of our cabin and its damages. The way the whole situation has been dealt with has left me seething and quite honestly spiteful. Perhaps I am unreasonable in thinking people should be dealt with in a decent and professional manner. Now I am not one to sit around feeling sorry for themselves, sometimes it is just better to channel your energy into a solution, so last night I decided to create a site (website) which will help others to publicly out all the problems they are having dealing with the insurance industry. It is amazing what can be accomplished with four hours of time, five cups of tea and a lot of frustration from dealing with the insurance industry. The site is ready to go live, has interactive elements, plus I have worked out a way to make an income off it as well. One more unprofessional move by our insurance company is all it will take to set me off and then it will hit the good old world wide web. I feel happy having this in my arsenal….plus it has the potential to be a nice little business….funny how a bad insurance dealing can inspire you to create a business opportunity.

blog sites_3975Shock – continuing with the cabin theme, today we had a shock….or potential shock. Remember my post from November ? Well the insurance company is looking at the cabin again. Different adjuster. Different contractors. They really looked this time at the situation which is a step forward. Today’s experience was professional. Now if you read my post from November you will remember me mentioning that we had to do our own exploration for insurance purposes, and an incident with tiles. Old tiles. I felt uncomfortable about the tiles in November, but now we are plain shocked. The tiles are being sent for asbestos testing. You don’t get a good feeling when people in masks are bagging a piece of tile for asbestos testing when just a few months ago you were picking the tiles up with your hands, not wearing masks and your children are sitting feet away from shattering tiles. This was part of the exploration we were told to do by the insurance industry. They’ve also told us to not do anything else in the cabin for now. So now on top of worry about the damage to the cabin, we get to worry about damage to our health; mine, my husband’s and our 5 children’s health. This is the nightmare that never ends.

blog snow 1

Snow – the one bonus today was we had the opportunity to view some lovely rural scenery that was crisply coated with snow. It is still deepish in spots, but not the insane amount of snow we had last year. Taking some snowy landscapes was one positive thing that happened today.

blog shiverShivering – yep, this morning en route to the cabin I checked the weather, -19C with windchill. I checked it a little later in the day and it read -21C with windchill. Thank goodness the sun was out or it would have been brutal. The sun made all the difference. I will say the trip to the local outhouse was “crisp”.

blog shopping 2Shopping – our kids were hankering Ikea for supper so we detoured into Edmonton for a quick shop and supper. Everyone stopped in their tracks at the sight of the above picture of “Oat pastry with coconut”. Perhaps something was lost in translation, but there is nothing that makes me want to try an “oat pastry”. The picture didn’t sell its tastiness either. I am thinking there is a reason it is on sale!

blog shopping 1We did pick up a couple of items at Ikea and one of them was in the self-serve area. Now if you aren’t familiar with Ikea, they have these little cards and pencils so that you can write down the aisle that the product you need is in. Our seven year old was carrying the card and pencil and my husband told her the aisle number and asked her to write it down on the card. This was another event where something was lost in translation as she decided to DRAW the item. Looks just like Ikea’s instructions don’t you think?!

Supper – we had Harvey’s burgers……………we just couldn’t get past the concept of “Oat pastry with coconut”.

Thank you for reading my blog post brought to you by the LETTER S!

(I’ve clearly watched too much kid T.V.!)

November 23, 2014 – Trip to the cabin.

Our Trip To The Cabin

reason: Wawanesa REFUSED to do ANY exploration on our insurance claim. Wawanesa even used a reason NOT in the report (a report produced by their associates for the purpose of assessing the claim)  to deny it as did the Wawanesa Northern Alberta Ombuds Service……so WE, the ill equipped and uneducated insured, had to do this dangerous work completely ourselves. A cause was manufactured between the report being written and the denial letter being written. Manufactured out of thin air.

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time: we left home at 9 am, worked solid at the cabin, ate dinner at 9:50 pm (no lunch) and returned home at 12:17 AM (a 15 hour work day….with our children)

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temperature: below zero, freezing temperatures in an unheated building

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cast: my husband, myself, and our 5 children. One child had no feeling in their feet. One child was so cold they curled up into a ball and fell asleep. One child was panicked that the cabin would collapse on them. Wawanesa expects their insured to carry out their own exploration with their children in unsafe buildings.

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safety: four different people fell through the floor including one very bad fall and our 10 year old daughter FALLING THROUGH THE FLOOR. We were expected to deal with slicing open  walls concealing electrical and water, deal with mold, debris, falls, rusty nails, insulation, ice, water, and there was also some very old tile (that may or may not contain asbestos…it would be from “that” era). This is with 5 children roaming around in a freezing cold building. Clearly safety isn’t one of Wawanesa’s top concerns, denying claims on items NOT EVEN IN THE REPORT is their main focus.

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just for fun: Wawanesa delayed dealing with this claim until it was so late in the year that we wouldn’t have water to prove the claim because our water is seasonal (manipulative?) . They also delayed it so long that we are unable to fix the situation, claim or not, jeopardizing and compromising our investment through their petty manipulative ways. By the way, we were forced to do this NOW as the report Wawanesa accepted had LIES about when we discovered the problem. We discovered the problem on September 7, 2014….the report said “approximately 2 years ago”. I even have a blog post up showing discovery. Perhaps not “fun” but very dishonest business.

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Stay tuned…………..if Wawanesa continues to ignore us there WILL be video…..a lot of video…..

(it shows exactly what they are putting us through as they REFUSED to do exploration even though they sent out a restoration crew who on site REFUSED to look further…….I sense a lot of YouTube in my future…….if a picture is worth 1000 words, a video also adds 1000 emotions and a whole lot of context and reality)

PROBLEMS WITH WAWANESA INSURANCE?

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PS. By the way we have been told TWICE that we HAD to do our OWN EXPLORATION. The first time was by the Townsend & Leedham adjuster,hired out by Wawanesa, on September 29, 2014. The second is indicated in the letter from the Wawanesa Northern Alberta Ombuds Service that states “”If YOU are able to determine that the loss is not……” etc. ….after all the construction professionals supplied by the insurance industry refused to LOOK.

One more PS. …..two interesting things, first the letter from the Ombuds Service isn’t SIGNED by anyone, no one would take responsibility. Second, the independent adjuster didn’t forward all the clauses in our insurance policy to us, only items 7-12, concealing the rest. The independent adjuster went through our policy, tried to find a clause to get them out of the claim, even though it WAS NOT in the report, and then consciously conceals the rest of our policy from us so that we can not see what is actually covered. MANIPULATION or CORRUPT…you choose (I’m easy going).

If you want to read more about this situation click HERE (the discovery)

and HERE (the October 5th post)

and HERE ( lies on the insurance report……..we found even more today!!!)

and HERE (and the Ombuds Service collaborates without ever seeing the property…and a real person doesn’t even sign the letter!)

Oh, and one more little thing…….if our suspicions are right, we “followed the water”, we now suspect why we only had one septic pump out this year (compared to three or four in previous years)…….just a hunch…..but then we can’t “prove” it as WAWANESA manipulated the situation so that we would have no water to prove the claim.

Can you think of any other reason it takes 3 weeks to get an adjuster out to look at an interior water claim?….and that has happened TWICE with this claim….they consciously delayed the process knowing that the water would do more and more damage ……just saying…….the calendar doesn’t lie….6 weeks of delays……for interior lying water. We couldn’t “secure” the situation because they had to “see” the water. We were forced by Wawanesa to let our property deteriorate.

Wawanesa COMPLETELY IGNORES Insurance Issue ( Wawanesa Ombudsman supports lies and fictionalizes a second cause)

Does anyone remember a blog post from a few days ago? Remember the one about our cabin?Remember the insurance report that lied about when we found the issue, lied about the construction of our cabin, and the construction and restoration crew (sent by the insurance industry) that refused to look for the problem.

Yes…it rings a bell doesn’t it.

It probably was the blog post that made you think back to your own insurance claims where you were royally screwed. It was the blog post that made you kick yourself because you are now wondering what lies were written in the report. Seriously I didn’t mean to give you sleepless nights. I didn’t mean to induce another ulcer. I did want everyone to be aware of just what is going on through my OWN PERSONAL EXPERIENCE.

If you would like to read the original post click HERE!!!!!!!!

 

But before we get to the fun let’s share another piece of relevant information. On Friday November 14th  I sent out the original blog post to SEVEN different people/departments at WAWANESA to express my concern regarding how our claim was being handled. NOT A SINGLE PERSON FROM WAWANESA HAS EVEN TRIED TO CONTACT US.

NOT OUR ADJUSTER.

NOT THE ADJUSTER’S MANAGER.

NOT ANY OF THE OTHER MANAGERS.

NO ONE.

Not a phone call. Not an email. Not a smoke signal. Nothing. (But we DO know Wawanesa knows about it thanks to our very awesome broker……it is great that someone is AWESOME!)

So in the spirit of consumer protection, I am including below the email I sent  so everyone will know who will actually ignore you and never get back to you at Wawanesa. Feel free to click on the below image to view full size.

blog email(click on image to view full size!)

In actual fact the only interested parties were our broker and “The Office of Consumer Affairs”. Wawanesa did not contact us all week long.

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Oh wait, breaking news……..  minutes ago I received an email from Wawanesa’s Northern Alberta Ombuds service after no contact at all all week long. I will include it just below, click on it to enlarge:

ombudsman letter

We’ll discuss this email in a moment. But before I get to it, continue reading.

Today I received this, the letter indicating Wawanesa will not be covering our loss:

blog letter received november 20 2014

Would you like to have a read? The whole package we received is scanned below. Please click on the images to view full size. I am all about honesty and transparency.

I am now going to share a few highlights with you.

T&L letter page 1 detail 1Let’s review the dates. On September 29th the “independent adjuster ” came out looked around, took a statement, took a few pictures and told US to “find the source”. Our broker told us he has never heard of the insured being told by the insurance company that they are the ones who have to find the source; he says this is unheard of.

On October 4th we went and tried to find “the source”, found fresh water, took tons of pictures and tried by phone to contact every resource we could in the insurance industry to give us guidance. The only one interested was our broker. We couldn’t even register information with Wawanesa.

On October 25th the “independent adjuster” and the representative from Titan Construction drove out to our cabin together in the ‘independent adjuster’s” vehicle. They looked around, took some pictures and agreed to send out a construction crew to LOOK FOR THE SOURCE. Then they went for lunch together.

On OCTOBER 29TH, 2014 , a date OMITTED FROM THE TOWNSEND AND LEEDHAM letter posted above, the construction crew came to the cabin and wrote the report that deemed the claim to be denied. My previous blog post will outline and share the letter, but to give you four main points :
1 – they LIED about when we discovered the problem (we discovered it the weekend of September 7th, 2014, they said approximately 2 years ago….we have a blog post to prove it)
2 – they LIED about the construction of the cabin (they said we have foam underlay….we don’t…their pictures prove it)
3 – they REFUSED to look for the source – the source was never found because the CREW that was sent BY THE INSURANCE INDUSTRY REFUSED TO LOOK (and then this information was omitted in the above letter)

4 – to quote their report that caused the claim to be denied …”My theory is this is a condensation issue.” THEORY. The claim is denied on a “theory”…a guess…..a guess because they refused to look for the source (report viewable below, please click to view larger). However the cause in the “report” is listed as “condensation” but the letter today from the very same independent adjuster who agreed to the condensation claim on November 14, 2014 is now stating “seepage and leakage” as the cause even though this was NEVER MENTIONED in the very report he is using for denial. The report resulting from Titan Construction’s visit to the site of the claim on October 29th, 2014. The date and information was COMPLETELY OMITTED from the letter we received today from Townsend & Leedham Adjusters Ltd (of Edmonton, Alberta, Canada).

Why was this information omitted in the letter today? Why can’t the insurance industry stick to FACTS and TRUTH. Why can’t they be TRANSPARENT and HONEST?

Just to be thorough, the November 14th date was the date the “independent adjuster” told my husband Mark over the phone that the claim was denied. The independent adjuster who will never reply by email so that we have information in writing and always calls us on a “blocked” phone number. We can’t trace emails, we can’t trace phone calls, plus we have misrepresentation of the claim and lies on the report, and then a whole new cause manufactured on the letter dated November 14, 2014  from Townsend & Leedham Adjusters Ltd……….impressive isn’t it.

So remember the lie on the report about when we found the damage? Here is that page of the report (click to view full size).blog insurance report page 2

Guess what surfaced in the letter today……………

T&L letter page 1 detail 2….why the quotations? Do you see it? I will help you…….

“An action or proceeding against an insurer under a contract must be commenced, in the case of loss of damage to insured property, not later than 2 years after the date the insured knew or ought to have known that the loss or damage occurred.”

We knew about the damage in September of 2014. They flat out LIED in the report. We are being called LIERS, the report is SLANDERING us.  I am sorry but Mr. Hunter DID NOT CONFIRM that he put in the shims approximately 2 years ago….it was September 2014…we have the Home Depot credit card record to prove it.

Just for fun read the wording again…….this part……. “or ought to have known that the loss or damage occurred.”.  How can anyone “ought to have known”? In our case it was COMPLETELY CONCEALED plus there was no evidence of an excessive amount of water being consumed to create damage (you’ll understand this when you read the very end of the blog post). The source is still concealed because Wananesa and their associates REFUSED to look for “the source”.

Let me ask you, are you required to climb up on your own roof to assess hail damage? Are you required to play with your home’s wiring after an electrical fire? Are you required to track down the criminal after your house has been broken into, or find the arsonist that burnt your house down? Probably not, but this is what they expect us to do.

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Let’s continue.

Let’s move on to today’s email from Wawanesa’s Northern Alberta Ombuds service. I’ll paste it again here, click to enlarge.

T&L letter page 1Let me show you a close up:

ombudsman detail

The Wawanesa’s Northern Alberta Ombuds service has deemed the damage to be caused by “continuous seepage and leakage”. Hmmm, yet the “report” that caused the claim to be denied  declared, and I quote, “My theory is this is a condensation issue.” Which is it? “Continuous seepage and leakage” wasn’t in the report. I just checked. The term “seepage” and the term “leakage” are NOT USED AT ALL IN THE REPORT. In the time span from November 14th to today November 20th the Wawanesa’s Northern Alberta Ombuds service has FICTIONALIZED, perhaps with the assistance of the TOWNSEND & LEEDHAM adjuster, A WHOLE NEW REASON FOR THE DAMAGE WITHOUT ANYONE EVER HAVING SET FOOT IN THE CABIN.

Compare the paperwork included in this blog.

THEY MADE IT UP TOO.

THERE IS NOTHING IN THE REPORT TO SUPPORT THEIR CLAIM OF DENIAL. THE REPORT STATED “CONDENSATION”, IT NEVER MENTIONED “LEAKAGE OR SEEPAGE”.

The Wawanesa’s Northern Alberta Ombuds service made up this information (perhaps with the assistance of the Townsend & Leedham adjuster) just like the report made up when we discovered the issue and made up that we have foam underlay. There is no proof or information in the report to verify this claim. Surely the ombudsman would at least look at the report responsible for denying this claim.

WHERE DO THE LIES END?

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So let’s refer back :

I would like to point out that “the source” has NEVER been  discovered. We DO NOT KNOW IT IS SEEPAGE OR LEAKAGE BECAUSE THEY REFUSED TO LOOK. The Wawanesa’s Northern Alberta Ombuds service has based their decision on this:

blog cut holesTwo tiny cuts in the wall. This is the ONLY EXPLORATION the insurance industry would do. Evidently this is the only place that water supply lines run in our cabin in their professional opinion. Let me share a diagram.

blog bathroom graphic

This is our bathroom. The tiny orange area is the only area they cut to look. Somehow water mysteriously gets from our pump house to this area without supply lines according to the insurance industry. Can someone tell me how the exploration is at all fair? Water runs to the kitchen, to the bathroom sink, to the toilet and to the shower yet the ONLY place they cut open was in front of the hot water tank.

The “source” has NEVER been found because WAWANESA REFUSED TO LOOK. UNFAIR. We have a “theory” of condensation and then the “out of thin air revelation” by the ombudsman and Townsend & Leedham of “leakage and seepage”.

Surely after paying for insurance for YEARS on THREE DIFFERENT PROPERTIES (at the same time!) we at least should be granted the fairness of them LOOKING and ASSESSING the situation fairly.

WAWANESA REFUSES TO LOOK FOR THE PROBLEM and are ASSUMING…….ASSUMING……it is “continuous seepage and leakage” (wherever they got that information from). They have NO PROOF because they REFUSE to look and “continuous seepage and leakage” wasn’t even in the report. This has been fictionalized by the Wawanesa Northern Alberta Ombuds service after a panic decision by Townsend & Leedham to include it in their letter of denial with no proof of it whatsoever.

This claim has been denied on lies and assumptions and Wawanesa’s Northern Alberta Ombuds service SUPPORTS THESE LIES AND ASSUMPTIONS.

Did the Wawanesa Northern Alberta Ombuds service address the LIES about when we discovered the damage – NO.

Did the Wawanesa Northern Alberta Ombuds service address the LIES about construction of the cabin – NO.

Did the Wawanesa Northern Alberta Ombuds service address the fact that exploration for the source was NEVER DONE to a satisfactory level – NO.

Has the Wawanesa Northern Alberta Ombuds service ever seen the cabin or the situation – NO.

Has the Wawanesa Northern Alberta Ombuds service even talked to us – NO.

Did the Wawanesa Northern Alberta Ombuds service endorse the fictionalized  cause to be “continuous seepage and leakage” – YES!!!!!!! It wasn’t even listed as a cause in the report that denied our claim.

What a farce.

Wawanesa accepts lies and uses it as documentation. They deny a claim on assumptions and theories and fiction. Then the ombudsman pulls a whole new cause out of thin air , with the help of Townsend & Leedham, with no fact to substantiate it.

The report that they used to deny our claim was filled with lies. The lies we had addressed with our Wawanesa adjuster over the phone by our broker as we sat in his office. The lies were addressed in the previous blog post, with documentation of when we FOUND the problem in September 2014. Wawanesa knowingly accepted a report that they KNOW has lies in it to deny our claim.

Our insurance broker said that the insurance industry must have  code of ethics that they must follow. Is accepting outright lies part of the code of ethics? Is the ombudsman creating imaginary causes out of thin air (with assistance from Townsend & Leedham) with no proof at all ethical?  A blog post proves “discovery” was in September 2014. The insurance report pictures PROVE there is no “foam” in our cabin. Their own pictures. Check out the previous blog post for verification. Their own pictures discredit their own report. The report and the ombudsman deny the claim on completely different issues, without any proof.

I am sorry but when a company can’t even compare the pictures in their report to the words in the report, when the Wawanesa Northern Alberta Ombuds service accepts a report with lies when we have addressed and proven otherwise, when the ombudsman fictionalizes a cause with no proof (with the help of Townsend & Leedham), and when an insurance claim denies on assumptions rather than fact, the company is one of two things….INCOMPETENT OR CORRUPT.

In the eyes of Wawanesa Insurance the insured is guilty until proven innocent.

We were never treated fairly.

To sum up the situation:

– Wawanesa accepted lies about when we discovered the damage – slander

– Wawanesa accepted lies about construction of our cabin – the lies are proven by cross referencing the pictures in the report compared to the words in the report

– Wawanesa REFUSED to do a thorough exploration (below is the only exploration carried out)

blog cut holes– Wawanesa denied a claim based on THEORIES listed in the report (phone call by the Townsend & Leedham adjuster on November 14th and the report he provided us) and then DENIED A CLAIM BASED ON MANUFACTURED FICTION  (the letter we received today “stated leakage and seepage” terms NEVER used in the report). Why even do a report if they are just going to create whole new causes out of thin air?

– the Wawanesa Northern Alberta Ombuds service then denies the claim a second time on a FICTIONALIZED CAUSE, a cause never even mentioned in the report

Wawanesa also has never addressed this picture, the one of LOCALIZED water coming from somewhere. If they would have followed the water they would have found “the source” but they REFUSED to look. Wawanesa even REFUSED to put the picture in the report or address the issue even though they have had this picture sent directly to them in an email. They have refused to address this water even though their own “independent adjuster” and the construction crew, and the author of “the report”, have had their own hands in the puddle. Here is the picture:

blog moisture spotSoaking wet. Localized, not seepage. A puddle. This is the problem, it isn’t shown or talked about in the report. Nothing in the report, visually or written , accurately reflects the issue. Surely an insurance report is required to reflect the situation accurately. Surely an insurance report is required to tell the truth. What we have discovered is that the Wawanesa Northern Alberta Ombuds service doesn’t care about truth or accuracy, it simple is a non issue….lies, lack of accuracy, refusing to find “the source, and assumptions and theories are the order of the day.

This situation is no longer just about “the claim” or “the water” or “the source”. This situation is now about SLANDER where a report LIES about when we found this problem. This situation is about LIES where a report LIES about the construction of our cabin. This situation is about MISREPRESENTATION of the actual claim by the independent adjuster and the report. This situation is about FAIRNESS and that every insured should be entitled to real exploration of the problem not the insurance industry refusing to look. This situation is about an insurance company so corrupt or incompetent that the report denies the claim on a “theory” of “condensation” while the Wawanesa Northern Alberta Ombuds service denies the claim on “seepage and leakage” when that term wasn’t even in the report that caused the claim to be denied. The ombudsman denied the claim on a FICTIONALIZED CAUSE. The cause has never been found, the insurance industry refused to look.

Shouldn’t a report be based on the TRUTH?

Shouldn’t a report be based on FACT?

Shouldn’t the insured be treated FAIRLY?

Shouldn’t the report and Wawanesa Northern Alberta Ombuds service at least agree on why the claim is being denied. The Wawanesa Northern Alberta Ombuds service never looked at the cabin, never had any further information, they made it up. They decided to just come to another conclusion and pulled “leakage and seepage” out of thin air along with the help of the “Townsend & Leedham” and their sudden change of mind, it wasn’t even in the report. They are denying claims without even a fictionalized report to back them up. Pure fiction. The Wawanesa Northern Alberta Ombuds service denied coverage based on PURE FICTION.

Wawanesa does not base their claims on fact. Wawanesa does not base their claims on fairness. Wawanesa will do whatever it takes to wiggle out of a claim.

Code of ethics? I’ll let you decide.

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Cabin Water Information

Now let me share a little water information regarding our cabin, as it is quite interesting, and everyone refused to listen. The construction crew was stating condensation and groundwater even before they entered the cabin (as I said, never given a fair chance to show the real situation).

-First regarding “seepage and leakage”, the ground under the floor joists is bone dry and vented, the bottom joists are bone dry as well, the water damage has come from the top down. None of the pictures in the report show that , neither do the words.

– Second, the wet spot is localized. This much water can only be forming from a teeny tiny supply line, it is the only source of water. It isn’t the roof (no staining or swelling) and it isn’t coming in through the exterior walls (again no staining or swelling). It isn’t groundwater, the ground is dry beneath the joists.
 
The construction professional put their moisture meter inches from the wet spot and it showed “no moisture”. He cut a hole where it said “no moisture”. I put my hand in that hole and it was soaking wet. All that separated the moisture meter from soaking wet wood and insulation was 1/2 inch drywall….how can it show “no moisture”? Isn’t that curious?

The report deemed this wet spot to be condensation; how can condensation form when there is no heating, the space is vented, the wet area is completely open to the room, and the puddle ONLY FORMS WHEN THERE IS WATER IN THE SUPPLY LINES? “Condensation” is the cause listed in the “report” that caused our claim to be denied. How? (Please see the report below, click to enlarge.)

 

– Third, water is only accessed and available to the water supply lines May to October with an average usage of 12 two day weekends per year. Water only actively flows through the pipes of the cabin for 24 days a year. Otherwise there is no water available for seepage or leakage. This year we used 750 gallons ( I documented that we had 500 gallons left in an email to the independent adjuster) of water for a family of 7 including filling up a hot water tank (possibly 40 gallons). Let’s do the math:
750 gallons- 40 gallons =710 gallons of used water for the year (hot water tank was full)
710 gallons divided by 7 people is 101.43 gallons  of water per person for the year
101.43 gallons of water (per person) divided by 3 gallons (estimate) per toilet flush = 33.81 toilet flushes for the year for one person
33.81 toilet flushes divided by 24 days of use = 1.41 toilet flushes per person per day

***this doesn’t include hand washing, dishes washing or watering trees and plants

This damage isn’t continual leakage or seepage as we would be going through huge amounts of water. This can only be happening when we are actively using water ; a total of 24 days a year. Our water tank has the gallon markings on it, we would be able to watch it go down disproportionately. We can physically see the amount of water we use as we are on water haul. Our lines are only actively in use 24 days a year,  water is in the supply lines May to October until we drain off the water for winter. No water is available at all October to May. No water is accessible when we are not at the cabin May to October as the pump has the power turned off to it. The water holding tank is outside, if there was ever an issue it would simply water our lawn. Other than when we are in the cabin for 24 days a year, water is not being pumped through our supply lines.

blog empty water tank

The empty water tank behind our son. We would actually “see” the water going down if it was constant leakage and seepage.

 – Fourth- when the area was first opened up there wasn’t a massive amount of mold, you could find an odd teeny patch if you looked hard enough. This hasn’t been wet for years. The whole area would have been full of mold if this was a situation ongoing for years. The soaking wet sheeting used on the subfloor fell apart in your hands, a chip board type of composition, the top was discolored the center was wood colored. The water had dissolved it.

If anyone had bothered to assess  the situation and listen to us they would realize the construction does not allow for condensation and that the water system is only active approximately 24 days a year.

Instead we get theories and manufactured causes without proof from the Wawanesa Northern Alberta Ombuds service.

 

 

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Now I am also going to share another little “FYI” which Wawanesa really needs to take note of. When things like this happen I do send them out to the media, depending on my mood the odd blog post has gone out to over 100 outlets in an evening (by the way the total media sends aren’t all listed on the email above…I took a break to eat dinner!). They get exactly the same email that Wawanesa received. Wawanesa is probably sitting there saying “Squeeky wheel, moaning cow, no one is picking up this story, what a stupid (fill in the blank!)”. This is definitely the thought process as no one got back to us (until moments ago)…..but they are missing the point. I am not aiming for “media coverage”, I’m aiming for “water cooler gossip”. Think about it. “Water cooler gossip” is the most damning thing that exists. People embellish, over exaggerate a story, try to out do one another and essentially one little story has the potential to become urban myth. Even better, people hate dealing with insurance companies, the insured are treated like criminals, we are guilty until proven innocent , so they are going to LOVE a story like ours. Happily we are also approaching the “festive season”, happily we will  be mixing “water cooler gossip” with alcohol at company Christmas parties….this story has potential to grow legs of its own. People NEED to know this story.

Wawanesa had plenty of opportunity to stop this. We sent emails to our “independent adjuster” that were forwarded to our “Wawanesa adjuster”. We sat in our broker’s office while he attempted to bring the situation to our “Wawanesa’s adjuster’s” attention. We sent out the previous blog post. Attempt after attempt and COMPLETELY IGNORED.

Just how much bad press do they want, because the first post is receiving hundreds of views a day.

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Edited to add this LINK:

Wawanesa states on the third page of their 2013 Annual Report the following values:

VALUES
We treat others in a respectful and truthful manner.
We conduct business with integrity, honesty, consistency and fairness.
We act ethically and lawfully.
We take pride in making service a priority.
We encourage collaboration, innovation and excellence.
We support the communities in which we work and live
Spot the difference with what we have experienced!

Wawanesa Insurance Claim Denied Based on Lies – (Reasons to view your insurance report.)

cabinAnyone who has been following the blog for a while knows we have a cabin. You may also remember a certain discovery that we made in September of 2014. For anyone interested you can read the first blog entry HERE and the second one by clicking HERE. I am quickly discovering it is beneficial to describe a huge portion of our everyday life on my blog as it seems one needs evidence when a situation becomes unfair or someone chooses to state blatant lies against you. This is one of those times.

The short version of what you are about to read is we have had an insurance claim denied based on a report that actually contains LIES. We are now in the situation of “having nothing to lose”. If we have nothing to lose we NEED to SHARE THE SITUATION WITH THE PUBLIC so that they can protect themselves.

We have a cabin full of water. A cabin where we can now not correct the problem for 6 months because we are on a seasonal water system. A cabin where we can now not correct the problem because the insurance industry took their own sweet time over dealing with it even though we CONSTANTLY stressed it was time sensitive due to both weather and water supply. A cabin deteriorating by the day because the insurance industry REFUSED to look at where the problem REALLY is.

Originally the below text was going to be a letter to the supervising adjuster of our claim with Wawanesa. After careful thought I came to two conclusions. First the public needed to know what the INSURANCE INDUSTRY was doing and how straight out LIES are being written in the reports that are causing claims to be denied. Secondly, I had no interest in months of butt-covering excuses and being passed off from person to person in a game of bureaucratic musical chairs….a game known to try to make people give up. The fact is the insurance industry is playing a game, but when they step into the forum of telling lies, accepting lies, not cross-referencing information, and denying claims on reports that claim ACTUAL LIES ABOUT THE INSURED it is time to make the situation public.

EVERYONE NEEDS TO KNOW WHAT IS GOING ON.

EVERYONE NEEDS TO GET ACCESS TO THE REPORTS THAT THEIR INSURANCE CLAIMS DEPEND ON……OR YOU WILL BE VICTIMIZED LIKE US.

So let’s proceed. Here is the letter that earlier today was going to be sent to our Wawanesa adjuster who was overseeing  an independent adjuster from Townsend & Leedham out of Edmonton, Alberta. I have decided in turn to just forward her the blog post; it will be more explanatory.

The letter reads:

November 14, 2014
RE: Wawanesa Claim #969112
Dear Sirs,
I am writing in response to a report that was provided in which Wawanesa decided to use as a base to decline our claim.
In short we have a completely concealed water situation that still remains concealed to this day even after Wawanesa and their independent adjuster from Townsend & Leedham had sent out construction professionals from Titan, a construction and restoration firm, to explore the source of the damage. In short the two individuals refused to look for the source, were looking for excuses even before they entered the cabin as to why it wasn’t sudden or accidental and took no notes whatsoever during their time in our property. NO NOTES at all, then wrote a report to deny our claim.
The “source” of the problem is within an area of 17.5 square feet. This is the area that our water supply lines run. The ground beneath our cabin is bone dry, the crawl space is vented, the ceilings and walls of our cabin have no leakage, discoloration or swelling. The wet spot is very localized in the area where our supply lines run. If we do not drain off our water lines completely in between usage more water appears in the very localized spot.
The water is coming from a very specific spot, as shown in a photograph I have shared with the independent adjuster, has been witnessed by the independent adjuster, has been in a picture evidently forwarded to the overseeing Wawanesa adjuster, and has been witnessed by Bxxxxx of Titan Construction while in the company of the independent adjuster from Townsend & Leedham. THEY PUT THEIR HANDS IN THE PUDDLE.
Amazingly this picture DID NOT APPEAR IN ANY WAY SHAPE OR FORM IN THE REPORT THAT CAUSED OUR CLAIM TO BE DENIED.
Upon reading the report one can see the agenda has been to deny the claim right from the start. Let’s review the report, I shall copy and paste it below:
Hi Mxxxxx,

Regarding the Hunter cottage located at #8 Horn beach.

My lead carpenter, Rxxxxx, met with Mxxxx from Compass Plumbing yesterday to inspect and try to determine the cause of the water and rotting floor joists.

(1.) The plumber drained and removed the HWT to give access to my carpenter to open the adjacent wall containing the water supply lines. As you can see from the pictures the lines are good. And the wall cavity has no signs of water damage.

Rxxxxx had a look underneath at the floor Joists. His comments were that he was surprised at how rotten the wood was, and although the joists weren’t pressure treated it would still take years to get to that point. He also observed that in the bathroom just in front of the vanity, between the joist and the sheeting, there were some shims. Mr. Hunter confirmed that (2.) approximately two years ago he put in the shims to shore up the floor as it was staring to get soft in that area.

Based on our inspection last Saturday and Rxxxx’s inspection and comments Wednesday, My theory is that this is a condensation issue. There could be three issues at play here.

(3.) 1) There is no subfloor under the tub. It’s just kind of hanging there. Condensation could run off the underside of the tub and water could be affecting the floor under the laminate.
2) This could be a condensation issue with the floor in general. Robert said that he removed some more laminate and the laminate was completely dry but (4.) the foam layer between the laminate and the OSB was quite wet on the underside between the foam underlayment and the OSB. Sorry if this sounds confusing. To be clear, the foam underlayment was dry on top but wet underneath against the OSB.
5. 3) There are no gutters on the cottage. When it rains, much of the water would run under the cottage. And then evaporate up into the subfloor and Joists.

One thing is clear Mxxxxx, there is nothing sudden or accidental about this claim In my opinion. Whatever is causing this issue has been happening for years. Furthermore it looks as though Mr. hunter knew about a problem some time ago when he put the shims under the floor to shore up a soft spot.

The Hunter family seem like very nice people so it’s difficult to write a unfavorable report. I’m not sure how this will affect their claim, positively or negatively But I also know you value my honest opinion.

Pictures attached for your review.

Let me know if you have any questions.

Regards,

Bxxxxx Vxx Uxxx

Let’s examine the problems with this report:
1. The plumber drained the tank, but then the carpenter cut two holes in front of where the tank sat and called it good. The tank did not even need to be removed for this. When we asked them to cut further back and explore further along the line they REFUSED. The line from where they cut runs east approximately 3 feet, north at least another 5 feet and then runs further to the pump house. They refused to look at all. Period. It was at this point that we completely knew we were being set up. They refused to look even though a very specific area is all that is wet.
2. It was the weekend of SEPTEMBER 7, 2014 when we went to shim up the floor, not TWO YEARS ago. I have a blog post to prove it: https://htheblog.wordpress.com/2014/09/07/not-all-things-are-as-they-seem/

FRAUDULENT STATEMENT THAT IS COMPLETELY UNFAIR. Complete fabrication and a complete lie, and this is the report that is causing our claim to be denied.
Why did they say “approximately 2 years” , perhaps because you only have two years to make an insurance claim. The report was trying to question the credibility of the claim.
3. First of all the wet spot is only at the one end of the tub away from the taps. Once the floor was opened up and started to dry out the wet spot was strongly apparent. This picture was not even included in the report even though at the time I even had the area masked off with bright green masking tape and I pointed out the spot to them at least a hundred times that afternoon and they continued to ignore me. Condensation requires heat meeting cold. The building is unheated. The crawl space is vented. The tub has not been used for 4 years as we did not have a working hot water tank installed. The ground is dry, dusty dry; condensation would drip. Condensation would not happen at one end of a tub, the end of the tub where the tub is no longer touching the floor. Condensation would not still be occurring because the whole are is completely opened up. It CANNOT scientifically be condensation.
If it was condensation, why did Bxxxxx, writer of this report , send out a crew when he himself had seen the situation just days before. Milking the system or “not condensation”, you decide.
4. There is NO foam layer. NONE.
Here is the order: 1-laminate, 2-vapour barrier, 3- sheeting (possibly OSB), 4-joists
This is evident in the pictures provided to the insurance company on the report. It is poly, you can see through it. It is clear as day in the pictures supplied with the report.
More fabrication of the situation, they are even lying about the construction.
5. If the gutter theory held, first the ground under the cabin would be wet, not dusty and dry. Second there would be staining, and swelling on the ceiling and walls, but there is none. Third the bottom of the joists are bone dry, so it isn’t ground water. Fourth the wet area is localized.

Beyond all of this the report COMPLETELY OMITTED pictures of the actual wet spot. Complete omission. Complete misrepresentation of the situation. This was completely avoided.
REFUSING TO SHOW THE TRUTH. WE HAVE HAD OUR CLAIM DENIED ON LIES.
The independent adjuster forwarded all of our emails to the overseeing Wawanesa adjuster of our claim. Our insurance broker confirmed this as we sat in his office listening to the phone call he had with the adjuster this afternoon, November 14, 2014. If she had been bothered to cross reference any of the information she would have realized the report was filled with lies right down to when we discovered the problem. There is a vast difference between September 7, 2014 and “approximately 2 years ago”.
The independent adjuster also assured our broker that it was “100%” not a supply issue, “100%”, yet they refused to look any further than the stud located directly in front of the hot water tank. Another lie, how can anyone claim to be sure 100% when they refuse to open up the walls and ceiling.
Fact is the report is filled with lies. Titan, the construction company provided by the adjuster, refused to look any further.
Come and look at the cabin and see for yourself. Localized completely concealed water and a construction firm hired by the insurance industry that completely refused to find the source.
We brought ALL of these items to our independent adjuster’s attention over a week ago, Mxxxx Bxxxx of Townsend & Leedham, who has actually witnessed personally the fact that we HAVE NO FOAM LAYER, and that we discovered the problem in September 2014, yet he used the report to deny our claim.
Here is the thing, the insurance industry keeps saying you MUST FIND THE SOURCE. The insurance industry sends out a construction and restoration firm that REFUSES TO LOOK FOR THE SOURCE and the LIES in their report. Fact of the matter is, the way this has gone, even if we personally open up the walls ourselves, walls filled with electrical and water, the INSURANCE INDUSTRY WILL SAY WE DAMAGED THE LINE DURING OUR DISCOVERY.
This feels like reverse insurance fraud, something the public needs to know about.
Debra & Mark Hunter

 

Just for good measure I will also include scans of the email of the report that I received. Please click on the email to view full size. I am all about transparency:

Why I am blanking out names I have no idea. It doesn’t seem very fair to protect those who write lies in a report about you personally (My husband worked on the floor September 2014 as indicated in the blog post , not approximately 2 years ago!) or lies about the property’s construction (we have no foam underlay).

Let’s carry on with the topic of “foam ” underlay. Lets play a game. I am going to show you six pictures, pictures that accompanied the report to Wawanesa. Pictures taken by Titan Construction. Pictures used to create a case against the claim. Here, take a peak:

Did you catch it?

Hint: no foam underlay, the vapor barrier is poly. The pictures contradict the report. The report Wawanesa is using to deny our claim.

Ps. did I mention those doing the report took NO NOTES the whole time they were in the property and that they were looking for excuses BEFORE they even entered the cabin….looking for things like ground water….they were trying to discredit the claim before walking in the door (more about that later!).

Let’s carry on with the “picture game” as it is pretty fun.

Did anyone notice the picture that is missing? The picture missing from the report? The picture sent over and over to the independent adjuster who in turn forwarded the emails to the over seeing adjuster? The picture that tells the story…………..

wait for it………..

wait for it……………….

blog moisture spotTaaaaaa Daaaaaaa!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

May I present to you “localized water”………….kind of blows a hole in the whole “condensation theory”, doesn’t it?

And for good measure one more…………..

blog masked off wet spot…..how it was when the construction professionals came to do their “exploration of a source”. The green tape I had put down as I had been taking phone pictures and I wasn’t sure what the resolution would be (resolution was pretty good!)

But amazingly a soaking wet isolated area, green tape and me pointing out the area at least one hundred times over the course of the afternoon was not enough for the picture to be included in the report, the report that caused our claim to be denied.

Soaking wet fresh water was insignificant in a water claim.

Let us carry on on the topic of “exploration” or finding the “SOURCE” as the insurance industry likes to use that term.

Let me show you the extent of the exploration…………………..

blog cut holesYep, that’s it. They REFUSED to look further. REFUSED. The construction/restoration company provided BY THE INSURANCE INDUSTRY “REFUSED” to look further.

Now let me give you a giggle. See the bottom hole? It looks a lot like this picture below doesn’t it?

blog titan construction image Wall cavityProbably because it is the same hole. The bottom picture is one of the pictures supplied with the report. Now for the “funny” part, I stuck my hand inside that hole, through the insulation and it was SOAKING WET. SOAKING. By the way the independent adjuster knew all this…..I’ll share that letter in a moment…..but the floor and insulation were soaking wet but they REFUSED to look further.

Now if that wasn’t enough our insurance broker chatted on our behalf to the independent adjuster. Sometimes it is good to get someone else’s take on a situation. The independent adjuster from Townsend & Leedham assured our broker that it was “100% not a supply line issue”………”100%”.

Let’s look at a diagram….I like diagrams.

blog bathroom graphicAnyone spot anything curious? The orange area is the area of “exploration”. I invite anyone who wants to to come out to the cabin and witness that NOTHING else has been opened up. Nothing. Based on two tiny cuts, cut in-line our adjuster is “100%” certain it isn’t a supply line issue.

100%.

blog cut holes

You see a ruptured supply line would mean a valid claim. They don’t want a “valid” claim. They want out of it and don’t want to risk finding “the source”.

They refused to look. They lied in their report.

Anyone seeing a pattern?

This is all fact.

This is why EVERYONE needs to review the reports submitted to their insurance company. You need to verify that everything is true.

Protect yourself and get the paperwork. If it happening to us there is a chance that this procedure is epidemic.

I invite anyone or any organization to ask for the paperwork on our claim, you will see everything that is published here is identical to what Wawanesa will have. Check it out. Please.

And just to leave you with some real entertainment, I am going to publish below the letter I sent to our independent adjuster after witnessing the construction workers refusing to look for the source. Remember our independent insurance adjuster….the one that was 100% sure it wasn’t supply line related even though only two tiny cuts were made in the wall……………well have a read………….the whole situation resembled Monty Python’s Flying Circus so feel free to get some popcorn and have a laugh.

The letter from October 29, 2014 reads:

Hi MXXXX,
The almost three hour drive home allowed us a lot of time to think about the situation at the cabin. This is a written account of our thoughts.
Everyone is telling us a little bit of water can’t do that sort of damage, and the plumber is saying the pump should come on all the time, so I decided to run some numbers to approach the situation from a science and mathematical view rather than a personal one.
I thought about water drops I have seen in the past, it is usually a slow accumulation of water until the droplet forms and then gravity sends the drop down to the ground. I decided to take a conservative approach and assume one water droplet fell per minute which would be a very small pipe leak. I then had to come up with a tangible measurement for a water drop, so I took a 2.5 mL measuring spoon and counted the drops it took to fill the spoon. In three tries the results were 15 drops, 17 drops, and 20 drops. For the rest of the calculations I assumed 20 drops = 2.5 mL (the most conservative situation).
The following calculation shows how the water, at a rate of one droplet per minute, accumulates:
1 drop per minute = 60 drops per hour
60 drops per hour = 7.5 mL of water leaked per hour
1 day at 1 drop per minute = 180 mL of water leaked per day
1 week at 1 drop per minute = 1.26 L of water leaked per week
1 month (based on 4.33 weeks per month ) = 5.455 L of water leaked per month
5 months of cabin season water usage (May- Sept) with a calculation of 5.455L x 5 = 27. 279 Litres of water leaked in a cabin season.
As the floor started to “bounce’ beginning of this season we can assume the water damage started at least the previous year which leads us to the calculation of 2 years x 27.279 litres = 54.558 Litres of water dripping unseen on to the floor.
To give a visual, over the span of 10 months that is like pouring the equivalent amount of liquid on to the floor as 13.6395 large 4L containers of milk.
The plumber wouldn’t listen to the concept of hidden, trapped, accumulating water that is flowing down the inside of one of the walls and situating itself hidden under the tub. The plumber kept arguing the pump should be coming on all the time.
This brought me to my next calculation. I know the pump doesn’t kick in for the first few seconds when the water is running, it must be set up so that a certain amount of demand is needed before pumping. I also know that I can rinse my toothbrush in a length of time that does not require the pump to kick in; I’ve been doing it for years. When I got home I decided to measure how much water is used when I rinse my toothbrush. I tested it twice, both times it was bang on 250 mL of water (which both gives a tangible quantity and proves I am OCD!).
Then I decided I wanted to figure out the bare minimum of how much of the waterline had to be emptied of water to engage the pump into action. So I went to Home Depot and measured the internal measurement of the 1/2 inch water supply line used in the cabin. The internal measurement is 11 mm. From here I figured out if I have a minimum of 250 mL of water to trigger the pump and the pipe has a diameter of 11mm, that I would need an pipe length of 657.665 mm (or .66 meters) empty of water to trigger the pump.
At the cabin the plumber waited 5 to 10 minutes waiting for the pump to come on, of course it didn’t, and pretty much decided his job was done. The fact of the matter is it would take 33.33 hours for the pipe to empty to the pump trigger amount of 250 mL. This is why we would never see the pump spontaneously trigger due to a leak, water is used more than once every 33 hours.
I just wanted to share the math with you as we keep seeing fresh water coming from some concealed source and the construction professionals today just would not listen to us. The numbers show the quantities of water that could be accumulating without any detection at all. I think numbers give a nice objective perspective.
I just have a couple more thoughts from today’s experience and supposed exploration to find the source of the problem.
The water causing the problem has to be accumulating in small quantities as it is a case of absorption rather than flow. Flow would have allowed us to hear the water and see the seepage.
The water is absorbing, as under the laminate there is no light or heat to aid in evaporation. This is also evident as mold is minimal. There is not enough heat to grow mold. This also rules out condensation, as condensation needs the hot and cold temperature contrast to occur.
The ground water argument by the plumber also is not logical. First the ground in the crawl space is dry and powdery. Secondly if it had been wet the damp smell would have manifested itself long ago. Thirdly, the wood is wet from the top down not the bottom up when you look at the joists supporting the subfloor. Fourth, the subfloor is a minimum of 9.5 inches above grade. Converting that to metric, it is 0.24 meters. The difference between high and low tide on the west coast (Port Browning, Pender Island – I watch them daily) can be 0.1 meters. We would have to have waves lapping in for this theory to work.
Mark said no matter what, insurance will say “find the source”. This is what we hoped to accomplish today, it is in our best interest to solve the problem once and for all, solving it protects our investment. This has been the fourth trip to the cabin specifically for this insurance claim, two of which both Mark and I gave up work days for. Today, with the assistance of construction professionals supplied by the insurance industry, we hoped to get to the source of the problem.
The problem area, which is visually apparent due to its soaking wet nature , is a 2.5 ft by 7 ft area for a total of 17 .5 square feet.
We had a construction professional and a plumbing professional in attendance. When the pump did not come on spontaneously the plumber lost all interest. I would ask questions like “where do the supply lines lead?” to encourage further exploration and his response was “Straight up.” Both construction professionals were more interested in throwing out wild ideas than helping us locate the source of the issue. When neither will get their hands dirty, but I am crawling and digging around in hopes of finding the source of the issue there is a big problem. At one point in the afternoon, the gentleman from Titan cut off a piece of the 4×8 sheeting and plopped it on over the hole to “seal it up”. It doesn’t fit, a raccoon could fit through the gap at the north end of the tub, but seriously, what was the point in saying anything.
From here the afternoon really improved. The construction professionals started packing up their things to leave, they just decided. They didn’t say anything to us, they hadn’t looked for or found the problem, they just packed up. In a last ditch attempt to find the problem, the reason we had driven for almost three hours and given up work time, I tried to encourage that we continue to look further. No one looked at the back of the hot water tank closet, no one looked in the ceiling where the pipes go “straight up” according to the plumber, no one bothered to wiggle under the tub, no one could even reach into the wall that they had cut open and feel that it was soaking wet. It was an utter disappointment and waste of our time. The cherry on top was when I asked the gentleman from Titan if we could look further into the walls, and he said ” I don’t get paid enough to make decisions like that.”
How can we possibly find the source when the professionals recommended by the insurance industry refuse to look?
It was the equivalent of Mark standing at the curb to look for hail damage.
I will be honest MXXXX, I am still shaking my head from the events of the day. I feel frustrated from the time we wasted. I feel frustrated that no one even wanted to look for the problem. I feel insulted by the suggestions of condensation, especially when they said the condensation was in “high traffic areas” . I alluded to this in one of the previous emails however now that I can write properly I must tell you the rest. One of the “high traffic areas” would have been under the air hockey table, the other is near our toaster….no one eats that much toast (just saying!). We also have the “groundwater” suggestion which would involve waves of biblical proportions lapping across the prairies.
I fear these two construction professionals have now compromised our position. As I have indicated on many occasions, due to the seasonal water system we were forced to drain off the system and remove the pump. This was our very last chance to find the source of the issue . No one wanted to look. No one tried. We put our trust in them and we are now left with nothing.
I hope you received the multiple emails and all the pictures. I imagine as I continued to send them, you could sense the frustration we experienced today. We hoped to find the problem, but the construction professionals had no interest.
Thank you for reading this email.
Debra Hunter

(By the way there are a lot more emails running up to this point if anyone is interested. I like sharing!)

So here we sit. We have a cabin full of water. A cabin where we can now not correct the problem for 6 months because we are on a seasonal water system. A cabin where we can now not correct the problem because the insurance industry took their own sweet time over dealing with it even though we CONSTANTLY stressed it was time sensitive due to both weather and water supply. A cabin DETERIORATING by the day because the INSURANCE INDUSTRY REFUSED to look at where the problem REALLY is.

We’ve been told we can do our own “exploration”, but we know insurance will just say we damaged the pipe when we, the amateurs,  opened the wall. We also know that once we find the issue insurance will then argue that the break isn’t “big enough” or there isn’t enough “water flow” and they will deem it “seepage” not an event that is “sudden and accidental”. The report was very careful to use the popular insurance terminology of “sudden and accidental”…a report that couldn’t even use proper capitalization…..yet the report was planned enough to use the specific insurance term. The report was planned to deny the claim from the beginning.

The moral of the story is everyone MUST GET ACCESS TO THE REPORTS BEING PRESENTED TO INSURANCE. Don’t suffer libelous statements like the ones we are facing. Don’t suffer the corruption.

…..AND PASS ON THIS POST TO EVERYONE!

 

Autumn Horses – Lac Ste. Anne County, Alberta, Canada

horses - lac ste. anne county, alberta, canadaAs we were driving back from the cabin we came across a field of horses. We have probably passed this field a hundred times without noticing, but the lighting and fall color certainly caught my eye on Sunday afternoon. It was also very convenient as I needed a few horse pictures to work the last few book illustrations from.

horses - lac ste. anne county, alberta, canadaLuckily they were a friendly bunch and chose to come closer to check out what I was doing. This was helpful as I needed a few up close images for details.

horses - lac ste. anne county, alberta, canada

The fall leaves made for colorful pictures. I am glad I had the opportunity to shoot this last weekend as I have a feeling that when I drive past this field today that the leaves will all be on the ground.

horses - lac ste. anne county, alberta, canadahorses - lac ste. anne county, alberta, canada