Fort McMurray Members Get your Insurance Questions Answered

Tina Myrvang

Client Care Specialist
Staff member
REIN Member
Nov 15, 2010
1,067
359
101
51
#1
Fort McMurray Wildfires
Today (Wednesday May 4) at 1:30pm Pacific Time) Chris Westrop from Park Insurance will be talking to REIN CEO Patrick Francey and answering member’s questions regarding their rental properties and the devastating fire in Ft. McMurray. Chris will talk about:
  • Is my property covered?
  • Will you be reimbursed for loss of rental income?
  • Even if my property is not damaged by fire but the Municipality is evacuated, will I get loss of rental income coverage?
If you have additional questions, post below in the comment section or email info@reincanada.com.
Park Logo Banner NEW.jpg
 
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Tina Myrvang

Client Care Specialist
Staff member
REIN Member
Nov 15, 2010
1,067
359
101
51
#4


Aviva is dispatching its Catastrophe (CAT) team to Lac la Biche, AB, south of Fort McMurray. Our senior claims representatives will be on the ground in the region beginning tomorrow, May 5.

"Our hearts go out to the people of Fort McMurray. The safety of the residents, and that of the fire-fighting teams who are doing everything possible to get the situation under control, must be the primary focus,” said Greg Somerville, President and CEO, Aviva Canada.

Command post
Since the evacuation order is in effect, our mobile claims centre will be up and running at the Canalta Lac La Biche Hotel, 9905 83 Avenue, Lac la Biche, AB T0A 2C0 by tomorrow morning.

Focusing on immediate needs
Initial support will focus on issuing cheques for living expenses and other immediate needs. Once the state of emergency is lifted and Aviva gains access to Fort McMurray, we will be able to respond directly to the catastrophe and help the community deal with their losses.

For Aviva customers
Customers should call 1 866 MYAVIVA (1 866 692 8482) to register their claim and receive immediate support.


=============================
Chris Westrop, CIP
Commercial Department Manager
Park Insurance Agency Ltd.
201-4580 Hastings Street
Burnaby, BC V5C 2K4
Direct: 604-659-3133
Toll Free: 800-663-3739
Fax 604-255-7373
 

CatherineDesilets

New Forum Member
REIN Member
Sep 23, 2007
8
0
1
#5
My tenants are already asking for their May rent & damage deposits yet I don't have confirmation of what house is in which condition, how do I handle the tenants request?
What is my legal obligation to them at this point?
 

CatherineDesilets

New Forum Member
REIN Member
Sep 23, 2007
8
0
1
#6
Claims: do we start the claims before knowing the inventory of all the properties? Or wait to know which is burnt & which has smoke damage ..?
 

CatherineDesilets

New Forum Member
REIN Member
Sep 23, 2007
8
0
1
#7
I just spoke to my insurance broker at Park Insurance & they are asking people NOT to make a claim until it is verified which property address is in what condition .. Making a blanket claim on all properties will just overwhelm the insurance companies & slow their response time
 

C Westrop

New Forum Member
REIN Member
Feb 19, 2013
21
7
3
#8
We would not recommend starting a claim until you know if your property is damaged. If your property is damaged, call your insurance broker or company as soon as you can. Be sure to have your policy number available when calling them.
With respect to tenants requesting the refund of their May rent and damage deposits back, I cannot answer from a legal point of view. From an insurance point of view, if the property is actually damaged by the fires and the rent is refunded to the tenant because they CANNOT occupy the property that rent could form part of the claim for rental income.
If the property is not damaged and the tenant can move back in after the evacuation order is lifted but chooses not to and breaks their lease that is an entirely different situation.
If your tenants have insurance, their insurance policies will provide them with some coverage for living expenses during the evacuation order and beyond if their home is damaged. Your insurance policy will not provide any coverage for your tenants accommodations or property.
 

C Westrop

New Forum Member
REIN Member
Feb 19, 2013
21
7
3
#9
Unfortunately it will not be possible to determine damage until people are allowed to return. At that time either you, your tenants or property manager will need to visit the property to determine if there is any damage.