The $600 million Loss That No One is Talking About – The BC NDP Government

The $600 million Loss That No One is Talking About

A $600 million yearly  loss.

Six hundred million dollars.

$600 million is the amount the BC NDP government is actively trying to remove from the BC economy each year, through their 2018 budget, yet no one is talking about it.

Why?

Have they yet to figure it out?

Are math skills and economic skills so poor?

Or is ideology at the cost to the average British Columbian more important?

Let me fill you in.

The BC 2018 budget revealed a speculation “tax”. However, it isn’t a “tax”, it is a penalty. The properties affected already pay property taxes at about 30% more than a British Columbian resident who receives a “grant”; yes a nifty two tiered pricing that seems to never be questioned. This is a “speculation” tax ON TOP. But it isn’t a tax, is it? “Sin tax” or “luxury tax” are taxes that are applied at the point of sale. The consumer knows openly the financial commitment that is required of them and enter into the purchase and taxation in good faith.

This “speculation tax” tax is a fine, just like you are being fined for breaking the law. It is ALL it can be. This is a tax for breaking a law that doesn’t exist. The BC NDP government are trying to create laws of their own. The BC NDP government are making up imaginary and discriminatory laws, under the guise of “policy”, that breaks the Canadian Charter of Rights that ensures all Canadians are equal, have equal opportunity, and can live free from discrimination. The BC NDP Government are concocting fake laws that make it okay to fine people from out-of-province who LEGALLY bought property, in good faith, in their province years ago. The BC NDP government are trying to cleanse their province of the dirty out-of-province owners that they deem criminal for having invested in the province of British Columbia; “criminal” is all we can be as the owners are being fined. FINED.

So, The BC NDP government ramped up their xenophobic rhetoric, stood on their virtual soap boxes, and shouted to their people that the BC affordable housing crisis is the fault of “out-of-province” and foreign property owners. Every one of the 4.8 million BC residents are being destroyed by the “out-of-province” and foreign owners according to the government. And so they ramped up the campaign of dislike.

But here is what the BC NDP government didn’t tell you, this is the story of a $600 million per year loss.

Financial Post link: http://business.financialpost.com/personal-finance/mortgages-real-estate/fear-and-uncertainty-out-of-province-homebuyers-could-rush-to-sell-if-b-c-slaps-speculation-tax?fb_comment_id=1689902597766541_1690583327698468&comment_id=1690583327698468#f2522e3d4da2a62

According to the Financial Post story on March 12, 2018 by Geoffrey Morgan, there are approximately 15,000 residential properties targeted by this speculation tax. The government has fed a narrative to their population that these homes are just sitting empty while owners wait for the value to increase. Interestingly, the government is wrong on both counts. The properties were not bought for the purpose of speculation (some have been owned for generations). Nor do the properties sit empty, rather they are residences used in conjunction with other properties in other provinces. These owners identify as bi-provincial, and the ability to live freely anywhere in Canada again is covered under the Charter. In this era of self identity being so protected by the federal government, it is shocking that a provincial government would penalize these owners as identifying as bi-provincial; even more shocking for a left leaning government to discriminate against a population as to how they self identify.

The government may be fine with discriminating against the “bi” community, but what they are also doing is harming the ones that they profess to help.

What the BC NDP government have failed to tell their population, for fear that it will undermine their ideological xenophobic dislike of “out-of-province” owners, is that “out-of-province” property owners are actually INVESTORS. We invest in the province, we add to the economy, with “out-of-province” money. Through owning property, each year we spend a considerable amount of money on product and services in BC. For us personally, it is around $40K annually.

Here is the math.

15,000 targeted homes  X  $40,000 spent per household per year = $600,000,000 of investment into the BC economy with “out-of-province” dollars.

$600 MILLION per year…….and this is on top of the $1.4 billion in the form of the yearly Alberta tourism dollars.

What the government hasn’t equated, is that if these homes are either sold or locked up and left “empty” as their hallucination says they are, not only is $600 million of out-of-province investment removed from the BC economy each year, so are jobs. The $600 million is money that the BC NDP government can not generate from their population, this is money GIFTED by Canadians from other provinces to the province and citizens of British Columbia. The homes go, the yearly investment goes, and jobs go.

A $600 million yearly loss to the economy equates to a job loss of 20,000 entry level full time jobs.

Yes, a 20,000 person JOB LOSS.

20,000 PEOPLE PUT OUT OF WORK BY THE BC NDP GOVERNMENT THROUGH THEIR POLICY OF IDEOLOGICAL DISLIKE OF OTHER CANADIANS………. but the job losses will greatly exceed that, because all of this bad press will also impact the BC tourism industry, wine industry, and real estate industries. The BC NDP government is CHOOSING to put their province into a recession.

The BC NDP government have chosen to attack 15,000 property owners in an attempt to put 20,000 of their own residents out of work.

In an attempt to deport 15,000 “out-of-province” investors/property owners, the government will forcibly create unemployment for 20,000 BC residents.

Now when you take into account that in 2016 the average BC household had a 2.4 person occupancy, it means that the best case scenario is that these targeted homes, if all emptied, would house 36,000 people. Yet, 20,000 of those people will now be unemployed, which brings us down to 16,000 working people. Assume the 0.4 of the household count are children, and that reduces the buying power by another 6000 people bringing the total number of people potentially employed to be able to pay for housing down to 10,000.

So we now have 10,000 who will benefit from this xenophobic “speculation tax”, but we aren’t done yet.

Back to math class.

10,000 people employed to pay for housing (divided by) 2 (as at today’s house prices it is a two income purchase) = 5,000 homes.

Just to recap. The BC NDP government targets 15,000 homes, in order to put a minimum of 20,000 BC residents out of work, in an effort to fill 5,000 more homes.

But there is more to the story.

The BCHAF proposal that the “speculation tax” was based on was focused ONLY on the Lower Mainland area. This was the area of housing concern.

The homes needed aren’t the ones in Kelowna, Nanaimo, Victoria or the Gulf Islands (islands of which some have no ferry or electricity) which is where the vast majority of the affected properties are. The properties they need are homes within spitting distance of English Bay in Vancouver.

Is anyone seeing a problem here?

The BC NDP government is consciously choosing to break the Canadian Charter of Rights, drive away investment, drive away tourism, create unemployment, create a self-created recession, and still not have housing in the geographic area where it is needed.

Problematic.

But we aren’t done……

There is one last piece to the puzzle.

People who own property are generally “numbers people”. Seriously, there isn’t a thing that isn’t spreadsheeted. They also tend to be competitive. Due to this I see a potential twist. I look into my crystal ball and I see some owners sticking it to the BC NDP government on the basis of “affordable housing”. I foresee owners of million dollar homes selling them to big off shore money, and in turn buying up the more modest affordable homes in BC to beat the tax. Cash sales. No chain. Bam. You think BC has an affordable home crisis now, well this will seal up the inventory for sure.

So there is the story.

  • A $600 million yearly loss of investment to the province of British Columbia
  • A 20,000 person job loss
  • Lost tourism revenue
  • Breaches of the Canadian Charter of Rights
  • A self-induced recession
  • No more affordable housing in the areas where it is required
  • The potential to encourage “out-of-province” owners to sell luxury properties and in turn buy “affordable” properties, thus reducing affordable housing inventory.

You have to admit, the BC NDP government are “pretty special” in coming up with such an amazing “speculation tax” policy. Personally, I don’t think this is the political legacy I would wish to be known for.

Advertisements

The Handmade in Canada Shop Has Been Updated!

I know my blogging has been a little quiet lately, and one of the reasons is I have been working away. In addition to a busy photography month, I have also been updating my other project, Handmade in Canada. Let’s just say when you dye your own yarn and knit your own items it takes time.

So after weeks and weeks of knitting, the shop has finally been updated. There are a ton of new items and we are pretty excited about sharing them with you. All our items are naturally dyed by hand and made by hand too. If you have a moment check it out.

shop image web

 

Also at the bottom of the Handmade in Canada site are our social media links. We can be found on Facebook and Instagram (@handmadeincanada), plus you can hit the follow button to follow the blog. I hope you will follow along and see all the cool items we are making.

leaf red 3x3 square 100dpi stylized 2www.handmade-canada.com

The O’ Canada Collection Is Now Available

As some of you may know, I have a new site up called Handmade in Canada. It is a site of handmade and art pieces, influenced and inspired by Canada, and often made with natural, eco-friendly and Canadian sourced materials.

Over the next few weeks we will be adding shops and galleries to our various collections on Handmade in Canada. Today we launched the O’ Canada Collection.

Our O’Canada Collection celebrates the colors of our flag. The iconic red and white, are accompanied by grays, dark browns and blacks. This is classic Canadian. Our collection will remind you of ….well……everything Canadian (and maybe old school work socks too!).

The O’ Canada Collection is made of natural sheep wool, produced here in Canada and milled in a heritage mill. We believe in using natural products and using Canadian produced raw materials when possible. The yarn for this collection is hand dyed in natural dyes in micro batches with the red color being obtained through dyeing with lac. All items are hand knit and are one of a kind. Each item posted is available for purchase and ready to be shipped. Items can be viewed by clicking HERE.

Items start at $15.00 including tax and shipping within Canada. The pieces make great gifts for friends and family  as they are Canadian made, unbreakable, and ship well.

I hope you will pop over to the new site and check it out. More collections are to come. Also if you have any special requests send us an email, we are always up for creating something new.

For more information please feel free to email us at handmade-canada@outlook.com .

www.handmade-canada.com

by Debra Hunter

Red Deer, Alberta and Pender Island, BC, Canada

leaf red 3x3 square 350dpi stylized 2

.

.

.

.

.

.

Ads on this site belong to WordPress.

 

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.

——————

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.

 

.

.

.

.

.

.

.

.

.

.

The ads on this page belong to “WordPress” and have no connection to “H the Blog”.

 

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.

————-

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)

———

temperature: below zero, freezing temperatures in an unheated building

———

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.

—————

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.

————-

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.

————-

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?

————

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.

————————————————————————————————————

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.

———————————————————————————————————————-

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?

————————————————————————————————————————–

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.

———————————————————————————————————————————————

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.

 

 

————————————————————————————————————————-

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.

———————————————————————————————————————–

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!