come together - oiaa
TRANSCRIPT
Official Journal of the Ontario Insurance Adjusters Association
Vol. 80 • No. 5 • January 2016
Without PrejudiceSpecial Edition
Come Together
ONTARIO INSURANCE ADJUSTERS
ASSOCIATION
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CANADA & USA 1.800.265.8381 | EMAIL [email protected] | www.mckellar.com
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Almost as fast as McKellar.
Regular Features
President’s Message ......................4
OIAA Executive Council ..............5
Calendar of Chapter Events ........27
Out and About .............................86
Directory of Adjusters.................91
OIAA Chapter Executive ............92
Advertisers’ Index.......................94
What’s HappeningOIAA Toronto Delegate Elections
Announcement ..........................................................20
OIAA Holiday Party Photos ......................................22
OIAA Holiday Party Report ......................................24
OIAA Fifteenth Annual Curling Bonspiel
Announcement ..........................................................25
OIAA New Members .................................................26
Adjusters’ Training & Education Program ................28
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Official Journal of theOntario InsuranceAdjusters Association
Vol. 80 No.5January 2016
CONTENTS6
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29
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78
A Primer for the Handling of Third Party BodilyInjury Claims - Part 1By Stephen Scullion, BSc, FCIP, FCLA, FCIAA, CRM, DipAdEd.
A Very Canadian ActBy Ray Proctor, BA, CIP
Special Section - 2016 Claims ConferenceWhat is Reasonable Driving? Driver Negligence after Fordham v. Dutton-DunwichBy Jonathan de Vries
Consumer Electronic Claims – Identifying Fact From FictionBy Keith Green
“W.P.” is published monthly except July and August. Everyreasonable effort is made to ensure accuracy of articlesand advertisements but the Association expressly limits itsliability to printing of retraction or correction. The opinionsexpressed in all articles unless otherwise specified repre-sent the views of the authors and are not necessarilyendorsed by the Association, the editorial staff or theExecutive Council. Contents of ”W.P.” are copyrighted and may not be reproduced without written consent of the Association.The magazine is distributed free of charge to all active andassociate members of the OIAA. For non-members subscription price: Canada - $75.00 + HST.U.S.A. and other countries - $90.00For change of address or any enquiries regarding distribu-tion, send address label with updated information to:Jackie Johnston, Business Manager, OIAA, 29 De Jong Drive, Mississauga, Ontario L5M 1B9Tel.: (905) 542-0576 FAX: (905) 542-1301 Toll free 1-888-259-1555 E-mail: [email protected] Website: www.oiaa.comFor information regarding the OIAA Privacy Policy, please refer to our website at www.oiaa.comFor information on advertising specifications, costs, production of ads or ad placement, please contact: Jackie Johnston or Shawna Gillen.For submission of proposed articles please contact: Simone Raymond.ISSN 0833-1278 Canada Post Canadian PublicationsMail Sales Product Agreement No. 40064573
Without Prejudice
FOR THE MAGAZINE
SIMONE RAYMONDManaging Editor
RAY PROCTORAssociate Editor
SHAWNA GILLENAssociate Editor/Advertising Manager
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Catherine GrootPresident, OIAA
NEXT MEETINGThere will be no general meeting in January, 2016
Wednesday, February 3, 2016Claims Conference 2016Metro Toronto ConventionCentre, Constitution Hall.See details and registrationinformation on page 29.
It’s the most wonderful time of the year!Nope, not a typo.
It is our great pleasure to once again host the OIAA ProfessionalDevelopment and Claims Conference at the MTCC on February 3rd.
This is the biggest event that the Association hosts each year and we areextremely proud of it. There are over 150 exhibitor booths, 9 educationalseminars, a keynote speaker at lunch and a career fair.
My children tease me constantly about how excited I get about thisevent. They entitle it “Getting your insurance geek on”, which I have tosay, is a fairly accurate representation of the day.
This year the theme is “Come Together”. This day of education and networking is intended to bring together all aspects of the claims industry. See old friends and colleagues, make new contacts and just have aday where it’s all about us and the job we do.
I would like to concentrate this month’s message upon the career fairwe host alongside the Conference. This year’s chair is our 1st VicePresident, Ian Gallagher. I was honoured to chair this event last year, and I must admit, I am envious of him for this role. The OIAA invites the graduating students from Mohawk College, Conestoga College,Fanshawe College and Seneca College. These are all students who will begraduating from the college’s insurance program in April. In the morningwe provide them with education, a panel of leaders in the industry to discuss how their careers developed and to give them tips when doing theall-important job search. They are invited to walk through our exhibitionhall where our industry partners are ready to welcome them and talkabout the industry and their role. In the afternoon we host any and allinsurers and IA firms who are looking to expand their staff with smarteducated individuals who have already expressed an interest in our industry.They come prepared with resumes and lots of great questions.
Although we are the Adjusters Association we certainly do not expectthe students to all be drawn to the claims industry. We encourage thesestudents to investigate all areas of the industry, from sales, to underwriting,to IT, to claims. The OIAA is proud to give back to the industry as a whole.It’s an exciting day to be involved in, and again, I am rather envious of Mr.Gallagher and his role this year.
To everyone in the industry: please come out and participate in this dayof education and networking. Let us show you the caliber of professionalsand industry partners that operate in Ontario.
Catherine Groot, BA, CIP, CFEIPresident, Ontario Insurance Adjusters AssociationE-mail: [email protected]
President’s Message
For more information please visitour website www.oiaa.com.
OIAA - Executive Council Committees 2015 – 2016COMMITTEE CHAIRPERSON COMMITTEE MEMBERSBENEVOLENT & COMMUNITYBenevolent and Gifts ......................Catherine GrootInsurance Institute/John E. Lowes....Carrie Evans............Johanna RienzoINDUSTRYLicensing ........................................Ray Proctor..............Rhu SherrardIndustry Liaison ............................Catherine Groot .......Ian GallagherASSOCIATION OPERATIONSChapter Liaison ..............................Catherine Groot.......Ian GallagherMembership....................................Matt Rienzo.............Michael Hoffman, Blair Boilard
Shawna GillenDiscipline........................................Alf StrudwickConstitution ....................................Jennifer Graham......Michael McLeodHandbook .......................................Dave Kirychuk........Blair BoilardWays & Means ...............................Michael McLeodNominating.....................................Alf Strudwick..........Catherine GrootVendor Relations/Sponsorship.......Leanne Hardman.....Shawna Gillen, Blair BoilardENTERTAINMENTPast-Presidents’ Night ....................Cindy Bridge...........Dave KirychukChristmas Party ..............................Michael Hoffman....Johanna RienzoCurling Bonspiel.............................Stephen Tucker .......Greg DoerrGolf Tournament ...........................Jeff Edge .................Greg Doerr, Matt RienzoSeptember Kick Off........................Johanna Rienzo .......Matt Rienzo, Carrie Evans
Shawna Gillen
COMMITTEE CHAIRPERSON COMMITTEE MEMBERS
COMMUNICATIONSWithout Prejudice /.........................Simone Raymond .....Ray Proctor, Shawna Gillen
Industry & Chapter NewsWP Advertising-Sales ................Shawna Gillen ..........Matt RienzoMedia Relations..............................Johanna Rienzo ........Matt RienzoWebsite...........................................Ray Proctor...............Greg Doerr, Rhu SherrardSocial Media...................................Rhu Sherrard ............Simone RaymondGTA Membership Liaison..............Carrie Evans .............Shawna Gillen, Johanna Rienzo,
Matt RienzoEDUCATIONSpeakers & Meetings......................Catherine Groot........Ian GallagherSeminars and Education .................Lee-Ann Vansteenkiste ....Stephen Tucker, Jeff EdgeAdjuster Training - Development ......Lee-Ann Vansteenkiste ....Jeff Edge, Stephen TuckerStrategic Planning Committee........Jennifer Graham.......Ray Proctor, Greg Doerr,
Matt RienzoBursary ...........................................Greg Doerr ...............Dave Kirychuk
CONFERENCES2016 Claims Conference ................Carrie Evans............Stephen Tucker, Cindy BridgeCareer Fair ......................................Ian Gallagher...........Jennifer Graham2017 Provincial Claims Conference..Stephen Tucker .......Dave Kirychuk
(Kitchener/Waterloo)
OIAA - Executive Council 2015 – 2016
GREG DOERR, CIPGeorgian Bay DelegateDoerr Claims Services Inc.(705) 719-7983FAX: (866) 577-5140E-mail: [email protected]
ALF STRUDWICKPast PresidentMatrix Loss Adjusters(705) 881-1404FAX: (705) 735-9302E-mail: [email protected]
SHAWNA GILLEN, CIPToronto DelegateAIG(416) 596-3060E-Mail: [email protected]
RAY PROCTOR, BA, CIPKawartha/Durham DelegatePinnacle Adjusters Group(416) 362-0800FAX: (416) 362-1808E-mail: [email protected]
SIMONE RAYMONDThousand Islands DelegateCunningham Lindsey(613) 766-0178FAX: (613) 766-6776E-mail: [email protected]
IAN GALLAGHER, CIPFirst Vice-PresidentKernaghan Adjusters(289) 786-1072FAX: (289) 723-1979E-mail: [email protected]
STEPHEN TUCKER, MA, FCIP, CRMKitchener-Waterloo DelegateEconomical Insurance Group(519) 570-8322FAX: (519) 570-8212E-mail: [email protected]
DAVID KIRYCHUK, BA, CFEIThunder Bay DelegateCrawford & Company Canada Inc.(807) 344-1800E-Mail: [email protected]
JEFF EDGE, CIP, CFEINiagara DelegateLeading Edge Claims Services Inc.(289) 897-8676FAX: (289) 897-8677E-mail: [email protected]
CARRIE EVANS, CIP, CRMToronto DelegateClaimsPro(905) 740-1621 FAX: (905) 671-1889E-mail: [email protected]
MICHAEL McLEOD, CIPTreasurerCrawford & Company Canada Inc.(519) 593-2620FAX: (519) 571-1896E-mail: [email protected]
MATTHEW RIENZOToronto DelegateCrawford & Company Canada Inc.(905) 206-5417FAX: (905) 568-7830E-Mail: [email protected]
BLAIR BOILARD, CIP, CFEINorthern DelegateAlgom Insurance Adjusters(705) 848-3821FAX: (705) 848-0344E-mail: [email protected]
CATHERINE GROOT, BA,CIP, CFEIPresidentYork & Associates(613) 328-9088FAX: (613) 498-3157E-mail: [email protected]
LEE-ANN VANSTEENKISTE, B.A.(Hons), CIPLondon DelegateClaimsPro(519) 645-6500FAX: (519) 645-2250E-mail: [email protected]
JENNIFER GRAHAM, CIPSecond Vice-PresidentPCA Adjusters (613) 726-9556FAX: (613) 726-0000E-mail: [email protected]
RHU SHERRARD, CIPHamilton DelegateClaimsPro(905) 529-1387FAX: (905) 529-9838E-mail: [email protected]
JOHANNA RIENZOToronto DelegateDesjardins General Insurance Group1-866-688-3888 x4511224FAX: (905) 306-4551E-Mail: [email protected]
MIKE HOFFMAN, BA, CIP, CRMWindsor DelegateAllstate Insurance(519) 979-3875FAX: (519) 979-4294E-mail: [email protected]
CINDY BRIDGE, CIP, CRMOttawa DelegateDesjardins General Insurance Group(613) 692-1169FAX: (613) 692-3381E-mail: [email protected]
LEANNE HARDMAN, BSc. Hons., CIPSecretaryUnifund Assurance(905) 764-4958FAX: (866) 580-0648E-Mail: [email protected]
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A Primer for the Handling of Third Party Bodily
Injury Claims - Part 1
The purpose of this three part series on third party bodily injury claims adjusting is
to create a foundation upon which a practicing adjuster can both launch theirfuture studies on the subject and use as afield guide when handling such claims.
By Stephen Scullion, BSc, FCIP, FCLA, FCIAA, CRM, DipAdEd,Senior Adjuster, ClaimsPro, Kitchener
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First things first; just what does anadjuster do? While some say wehelp people, and that philosophy isto be encouraged, a more pragmaticanswer would be, “to indemnify theinsured as per the provisions of theappropriate policy purchased”. Inother words, we facilitate the fulfill-ment of the contract betweeninsured and insurer. In first partyproperty claims this is not a difficultconcept to grasp. However, in thirdparty injury claims, the indemnity ispaid not to the insured but to theclaimant. (The insured is almostalways removed as an intermediaryand the adjuster deals directly withthe claimant or their representative).
The same idea of putting some-one back into the same position theywere before the loss still applies-though the courts have promotedthe idea of making someone
“whole” again via monetary dam-ages rather than “indemnifying’them. Quantifying the amount ofmoney it takes to make someonewhole after an accident is part art,part science and part negotiation i.e.it must be “adjusted” to the properamount.
This series of articles will introduceconcepts that will result in soundclaims handling strategies to be usedin these types of claims and thushelp us achieve our aims of just set-tlements with claimants.
An equitable settlement can bedetermined by this simple formula:
insured’s liability as a percentagex damages in dollars = settle-ment amount in dollars
We will now discuss the first partof this equation, the insured’s liability.
Part 1: The Assessment ofLiability in Third Party BodilyInjury Claims in Common LawProvinces/TerritoriesLook around you; from billboards bythe sides of highways to late nightinfomercials, plaintiff lawyers areasking the general public the pithyquestion, “Hurt?” and offering anequally brief answer, “Call Us”.
This ever burgeoning host adver-tise their trade through the large set-tlements they have wrung frominsurance companies - and it is thebodily injury liability adjuster who isin the first line of defence for thedefendant insured.
Therefore, it is necessary that weas adjusters seek a systematic strate-gy to deal with this tsunami of repre-sented claimants and achieve ourultimate aim of reaching equitablesettlements with them.
First things first; just what does an adjuster do? While some people say we help people, and that philosophy is to be encouraged, a more pragmatic
answer would be, “to indemnify the insured as per theprovisions of the appropriate policy purchased”. In other words, we facilitate the fulfillment of the
contract between insured and insurer.
January 2016
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Legal LiabilityIn all liability policies, from auto poli-cies to commercial general liabilitypolicies to niche professional poli-cies, the indemnity owed is based on“legal liability”. This is an importantterm. While some policies may havesections for “voluntary” payouts(used to avoid lawsuits over smallmatters and/or keep the peace)which do not involve legal liability,the vast majority of bodily injuryclaims will rely on this very importantconcept.
Legal liability is simply the civilresponsibility that is imposed uponan individual or corporation bystatute or common law. Ultimately,a judge’s gavel is the only thing,other than admission, which canimpose it. However, case law, i.e.precedence, has given us more thanenough support for us to be able todetermine legal responsibility inmany situations.
Utilizing case law, discussed later,and a systematic method of liabilityassessment, an adjuster can maketenable file strategy recommenda-tions to their principals / claimsmanager.
One of the soundest and mostquoted methods of liability assess-ment is the “A, B, C, D Rule”. Itsfiner points are still debated by academics but for a field adjuster orexaminer, it is a solid and reliabletool for liability reviews resulting in cogent arguments for liabilitydecisions.
The “A, B, C, D Rule”The letters of the rule stand (veryroughly) for the steps one shouldconsider in liability assessment. Theorder is important and should be fol-lowed. Each of the steps are in factquestions which should be answeredby the adjuster.
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January 2016
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“A”- is there A duty owed? The duty owed by an insured to athird party in any situation can beoutlined in one of 2 ways in com-mon law provinces/territories:1. Through unwritten common law
(law of precedence)2. Through statute Law
More and more civil law is beinglegislated and thus statutes arebecoming the most prevalent way todetermine duty owed e.g. Occupiers’Liability Acts (OLA), Highway TrafficActs, Dog Owner’s Liability Act etc.
Therefore, the first thing a liabilityadjuster must do is find out whatdetermines the duty owed to the thirdparty by the insured. Fortunately, thevast majority of liability claims areeither slip and falls, automobile claimsor product liability claims which aregoverned by statutes.
In all statutes, the duty owed byone person to another in the particu-lar circumstance is laid out e.g. inthe Ontario OLA, the duty owed ismade clear in section 3(1) and statesthat there should be reasonable caretaken to make sure the premises arereasonably safe.
Statutes will also define who ismeant to be addressed by the articles/demands of the legislation.
Situations governed by commonlaw, i.e. there exists no statute defin-ing the duty owed, are based onprecedent which, as most liabilityclaims are based on negligence, usethe time honoured concept of theconduct/non conduct of the “rea-sonable and prudent man” in the sit-uation being considered. This cer-tainly does not mean common lawapplies only to simple claims; med-ical malpractice claims are extraordi-narily complex but still rely on thebasic common law idea of the “rea-sonable and prudent” conduct ofthe professional involved.
January 2016
“B”- did the insured Breach thisduty?This simple question is the crux ofmany a lawsuit and is a major aspectof an adjuster’s liability investigation.
The words “reasonable” and“reasonably” were purposely itali-cized in the definition of the dutyowed in the Ontario OLA seen earli-er. What exactly is reasonable con-duct? Is mopping a floor every hourreasonable? Every 30 minutes? Less?
Many duties of care are rife with what might be called “soft”adjectives/adverbs; these are ones
that are malleable in order to fit any situation. They have been judi-ciously chosen by legislators for thatvery purpose. Is the degree of “rea-sonability” owed by operators ofdynamite factories comparable tothat owed by the proprietors of grocery stores, managers of seniors'residences or owners of private residences?
We will discuss practical issuessuch as statements, log books,weather reports etc in a later articlebut for now, suffice it to say that thethrust of the liability investigation is
The words “reasonable” and “reasonably” were purposely italicized in the definition of the duty owed in the Ontario OLA earlier. What exactly is reasonableconduct? Is mopping a floor every hour reasonable?
Every 30 minutes? Less?
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to determine the “reasonability” ofthe insured’s conduct in a loss wherethe duty of care is set out by theOLA or any other statute wheresuch "soft" describers of expectedconduct are used. In a common lawsituation, we would look to deter-mine whether or not our insuredabided by the conduct of the rea-sonable man in the same situation.
In a liability assessment, it is pru-dent to step away from the adjusterrole and think like the other side i.e.how would a plaintiff attorneyrespond to your iron-clad argumentshowing the insured did not breachtheir duty? Often the greatestweaknesses in a liability adjuster'sinvestigation lies in the lack ofimagination brought to bear on theinsured's conduct and the lack ofvolume of evidence produced tosupport a decision on liability. Theperson who slips and falls in a gro-cery store will without doubt claimlack of "reasonableness" in theexercise of duty of care owed themby the insured, yet the insured willbe equally likely to say that theywere more than "reasonable". Whois correct? Since the answer willprobably never be answered in acourt, it is the professional investi-gation of the adjuster that will con-vince the advocates of each side asto where the truth lies-and how theclaim should be settled. The impor-tance of case law in determiningwhat conduct has been determinedas acceptable will be dealt with in alater article.
"C"-did the breach Cause the dam-ages suffered by the claimant? Correlation does not equal causa-tion. Just because something hap-pens at the same time as anotherdoes not mean the one caused theother e.g. you notice that justbefore it rains, you always see
January 2016
pigeons in your yard; be assured, thepigeons did not cause the rain. Thesame idea is true in claims. The liabil-ity investigation must consider if thebreach, if there was one, is the prox-imate or remote cause of the dam-ages suffered by a claimant.
Often this is not a complex prob-lem; unsalted steps resulted in iceaccumulating upon them whichcaused the claimant to fall and breakan ankle. However, consider if aninsured crashed their car into abuilding and a citizen ran across theroad to call the police and was hit bya bus while doing so; is the crash theproximate cause of the damages tothe citizen? Was the bus strike anineluctable consequence of thebuilding impact by the auto? If not,then there is no causation and there-fore the concerned citizen has noright to claim against our driver (thebuilding damage is another story).
"D"-are there any Defences againstliability?While there are a multitude ofdefences available against liability,we will only discuss the more com-mon ones at this point.
1. DenialIn normal rules of liability, it is theclaimant who must prove their alle-gations through the presentation ofa preponderance of evidence i.e. theonus and burden of proof are ontheir shoulders. In essence, it is theclaimant who must prove all threeparts of the A, B, C rule. If they can-not, their claim must fail. Denialbased on the fact that the claimantcannot satisfy their legal require-ments should be the first defenceconsidered in any liability claim.
However, liability can be reversedthrough the imposition of strict lia-bility or absolute liability. In the for-
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mer, it can be done through statute(e.g. the Dog Owner's Liability Act,the Highway Traffic Act when amotor vehicle strikes a pedestrian orbicycle etc.) or in common law whena dangerous non-natural itemescapes from its boundaries/confines(Rylands v Fletcher, 1868). In thesesituations, the insured is prima facieanswerable for all the damageswhich are the natural consequencesof these occurrences. There aredefences against strict l iability however; actions of a third party, vis major, action of a governmentstatute etc.
Absolute liability is statute basedand its best example l ie in theEnvironmental Protection Acts whichmandate that the person in chargeof an escaped noxious substancemust take the appropriate stepsimmediately to mitigate the dam-ages. The right of subrogation is stillmaintained however (e.g. a vehiclemakes a left hand turn in front of atanker trailer full of diesel fuel whichbegins to leak after impact; the tanker owner/operator mustrespond to the escape of the pollu-tant at once though they have theright to recover from the at faultparty). There are no defences toabsolute liability.
2. Contributory NegligenceWhile it may seem like commonsense that a claimant should havetheir share of fault deducted fromany award given and that othercontributors to the loss should paytheir portion, in many provincesthere is statute that clarifies theseconcepts and to which a liabilityadjuster must refer e.g. Ontarioand British Columbia's NegligenceAct, Alberta's Contributory Negli -gence Act etc.
However, in the case where thereare multiple tort-feasors, a liability
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adjuster must be aware of "joint andseveral l iability". While a legaldebate is currently under way ques-tioning the fairness of this concept,it is stil l valid in common lawprovinces and territories. This dictumstates that a plaintiff can choose toadvance a claim against all or someof the perpetrators of their damages(joint liability) or only one of them(several l iability). If a claim isadvanced severally, the entire awardwill be paid by this lone defendantwho then has the right to seek theappropriate contribution from theothers involved. This leads to the"deep pockets" mentality where adefendant will go after the defen-dant who has the greatest where-withal to pay the claim (usually theone with the most liability coverage).A bodily injury adjuster must not beblind sided by this plaintiff friendlyquirk of common law.
When we discuss the practicalissues in claims handling in a laterarticle, this defence often becomesthe most applicable in many claims.
3, Voluntary Assumption of Risk(Volenti non fit injuria)
“To a willing person, injury is notdone”. The idea is simplicity itself; ifsomeone puts themselves in harm’sway, they have only themselves toblame. This idea is often bolstered bystatute e.g. provisions within theOLA state certain areas that fallunder this defence (rural premises,forested/wilderness areas etc - butno traps are allowed to be set fortrespassers).
However, in the famous ruling ofWaldick v Malcolm (1991), theSupreme Court of Canada stated thatthis defence, as it is an absolute one,applies only in situations where theplaintiff has assumed both the physi-cal and the legal risk involved in theactivity. It is not often that a claimant
accepts the danger and abandonstheir right to sue for damages. As aresult, this defence, while still valid,needs to be applied carefully.
It is also noteworthy that this caseput paid to the prima facie defenceof “custom” i.e. what is accepted asnormal conduct or lack of conductdue to “usual usage” is not unchal-lengeable and the entire custom maybe found “unreasonable” (in thiscase the lack of clearing a rural drive-way of snow/ice was a usual habit inthe area where the loss occurred butwas not accepted by the court as adefence against liability).
Many other defences are availableto the liability adjuster (emergency,waivers. limitation periods etc.) butspace restricts us to a discussion onthese most common ones utilized bythe bodily injury adjuster.
ConclusionWe cannot emphasize too stronglythat this brief essay on legal liabilityin third party bodily injury claims ismeant only as a means of introduc-tion to a very complex and organicfield of legal study.
It is expected that the dedicatedadjuster will seek further knowledgeto help them apply and expand theircomprehension of some of the ideaspresented here.
In Part 2 we will discuss the quan-tification of a bodily injury claims i.e.damage quantum investigation.
Steve Scullion is a senior adjusterwith ClaimsPro Kitchener and aninstructor at Wilfrid LaurierUniversity in their Canadian RiskManagement program.
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January 2016
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A Very Canadian ActBy Ray Proctor, BA, CIP, Managing Partner at Pinnacle Adjusters Group
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I must apologize for not writing this article sooner.As you may know being sorry is as much a
Canadian characteristic as is sitting on the dockdrinking beer, which must be why
I have been so delayed in writing to you. It is so Canadian that we in Ontario even have
a law called the Apology Act.
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I am sorry to say however, thatOntarians are not the most Canadianof Canadians. British Columbia,Saskatchewan and Manitoba estab-lished apology laws before we did.Now mind you the jury is still out onSaskatchewan since their law is notin fact an “Apology Act,” it is a sec-tion within their Evidence Act. It ispossible that they feel sorry for mak-ing it a little more discreet ratherthan being up front with an Act allto itself.
Although Ontario’s Apology Actcame into force on April 23, 2009 itwould appear from conversationthat many of us are not aware itexists. I wonder if the AttorneyGeneral of Ontario regrets not pro-moting the Act more than they did.
The Apology Act is somethingthat Risk Managers could sometimesuse as their first line of defence orresolution. Consider how manytimes you as an adjuster have beenout investigating a claim and realizedthat the claimant may not have
turned litigious or even consideredpursuing a claim had they justreceived an apology from the indi-vidual or entity they allege causedthem damage. In some instances aclaimant does not consider seeking aclaim for compensation for damagesas a result of an incident. They do,however right or wrong, believe theyare owed an apology. When they donot receive it, their thoughts canthen turn to vindication. That iswhen they may consider pursuing aclaim. The claim then becomes away of hurting the person they feelshould have apologized. On a differ-ent level they may feel it is a way forthem to still get something from theperson they feel owed them some-thing (the apology).
The Apology Act was introducedas a private member’s bill by a SaultSte. Marie MPP, David Orazietti. Iregret to say that I have not validat-ed this information, but according toMr. Orazietti one in three plaintiffs inthe United States sued because they
had not received an apology. Thatmeans that one third of the plaintiffswould not have sued if someonehad simply said “I’m sorry.”
Why does an apology mean somuch to someone? I believe it isbecause it validates them as a per-son by acknowledging them. Notproviding an apology can leave themfeeling ignored, insignificant andhurt. At times an apology can be aninstinctive reaction. However, some-times people refrain from offering anapology due to fear of it being anadmission of liability or for fear ofappearing either weak or wrong.American style television has usbelieving many things that are notnecessarily fact. Excuse me if I haveoffended any Americans in the pro-duction of this report.
Ferris, D.; Kim, P.; Dirks, K in theJournal of Applied Psychology, Vol92(4), indicated that some of thebenefits of an apology are:• Apologizing when a rule of social
conduct has been broken re-
Why does an apology mean so much to someone? I believe it is because it validates them as a person byacknowledging them. Not providing an apology canleave them feeling ignored, insignificant and hurt. At times an apology can be an instinctive reaction.
January 2016
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establishes that you know whatthe "rules" are, and you agreethat they should be upheld. Thisallows others to feel safe knowingyou agree that hurtful behaviorisn't OK.
• Apologies re-establish dignity forthose that have been hurt. It helpsthem feel better, and helps themsave face.
• Apologizing helps repair relation-ships by getting people talkingwhich helps them regain or estab-lish a level of comfort and trustwith each other.
The Apology Act protects thealleged perpetrator from a determi-nation of fault or liability as a resultof them providing the alleged victimwith an apology. The act defines anapology as follows:
"apology" means an expression ofsympathy or regret, a statementthat a person is sorry or any otherwords or actions indicating contri-tion or commiseration, whether ornot the words or actions admitfault or liability or imply an admis-sion of fault or liability in connec-tion with the matter to which thewords or actions relate.
The Act imposes the followingeffect of an apology on liability:
An apology made by or on behalfof a person in connection withany matter,(a) does not, in law, constitute anexpress or implied admission offault or liability by the person inconnection with that matter;(b) does not, despite any wordingto the contrary in any contract ofinsurance or indemnity anddespite any other Act or law, void,impair or otherwise affect anyinsurance or indemnity coveragefor any person in connection withthat matter; and
(c) shall not be taken into accountin any determination of fault orliability in connection with thatmatter.
There are exceptions! The abovethree clauses do not apply for the pur-poses of criminal proceedings or pro-ceedings under the Provincial OffencesAct. The Act is designed to protectdefendants in civil proceedings.
Evidence of an apology made byor on behalf of a person in connec-tion with any matter is not admissi-
ble in any civil proceeding, adminis-trative proceeding or arbitration asevidence of the fault or liability ofany person in connection with thatmatter. However, this does notextend to the person making anapology while testifying or beingexamined as part of any such pro-ceeding.
An apology made by someonewho is facing charges under theHighway Traffic Act or any proceed-ing under the Provincial Offences Actis not protected from making an
January 2016
Evidence of an apology made by or on behalf of a person in connection with any matter is not admissiblein any civil proceeding, administrative proceeding orarbitration as evidence of the fault or liability of any
person in connection with that matter.
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Here’s a chance to get involved with your Association and to be an integral part of shaping the future for Adjusters!Want to be a part of the Ontario Insurance Adjusters Association? We are looking for dynamic forwardthinking individuals to join our team as we move forward with the 2016/2017 year.
We are seeking nominations for two Toronto Delegate positions each for a 2 year term commencing August 1, 2016 through to July 31, 2018. As a Toronto Delegate you will be responsible to actively recruit,engage, and educate adjusters in the GTA as to the benefits our Organization provides. You will be eligibleto work on a variety of committees such as WP, Claims Conference, Holiday Party or Training and Educationto name a few. We are confident that the experience and bonds you will gain on this Executive will be beneficial in both your personal and professional lives.
It’s time to give back to an Industry that gives so much! If you are an OIAA member or know of an OIAAmember interested in running for this position, please contact Alf Strudwick at: [email protected]
OIAA TORONTO DELEGATES ELECTIONS 2016
WP January 2016
GET
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apology. In those cases the individ-ual’s apology can and will be usedagainst them. This could indirectlyaffect a civil proceeding. The apolo-gy is still not admissible in a civil pro-ceeding.
An apology by an insured or riskmanager could prevent a claim fromdeveloping, but as adjusters we areoften not aware of the situation untillong after an apology could havebeen effective. The claim normallyhas already been made. In that casethe Apology Act can be consideredas a dispute resolution mechanism.An apology can help open the dia-logue necessary to help facilitate res-olution of the matter. It can be asubtle tool that gives the claimantthe personal validation required forthem to lower their guard, reducetheir positional argument and bemore open to principled negotiation.
I regret if I am being redundant,repeating myself, or saying thingsover and over again, but in order toprevent a claim from developing youmay want to simply say “I’m sorry.” Iwould recommend avoiding anyelaboration of your apology by say-ing something like “I’m sorry, thatwas my entire fault.” Then you mayreally be sorry!
Ray Proctor is theManaging Partner atPinnacle AdjustersGroup and has beenin the industry forover 25 years. He
obtained a degree in Economics witha minor in Philosophy at WilfridLaurier University and the CIP desig-nation through the Insurance Instituteof Canada. He can be reached [email protected].
WP
January 2016
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OIAA
December 9, 2015CN Tower, Toronto
Holiday Party
23See more OIAA Holiday Party photos on page 68.
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OIAA CHRISTMAS PARTY 2015December 9, 2015, CN Tower, Toronto
For those of you who attended “A night amongst thestars” at the CN Tower, I’m sure your night was filled withfun and laughter and hopefully created some lasting memories. 1000 of our closest friends took over the top twofloors of the CN Tower and we enjoyed cocktails, dinner at our 10 food stations, and enjoyed two distinct styles ofmusic that differed on each floor. As the photographic evidence will prove, we had a great time mingling witheach other, and dancing the night away. All of our guestslooked first-rate, dressed in their holiday best and theincredible view of the city just added to the ambiance.
I would like to thank our valued sponsors and partnersfor this Christmas Party: A.R.S. Assessment RehabilitationServices Inc., Davis Martindale, Giffin Koerth, HendersonStructured Settlements LP, HRYCAY Consulting Engineers,Makos Health Associates, Nu-trend Construction, Strone,and Xpera Risk Mitigation & Investigation. Without theirgraciousness and generosity, the magnitude of this eventwould not be possible.
Through the generosity of our guests, over $10,000was raised and donated to The Alzheimer Society. Thankyou to everyone who attended this magical evening andwe look forward to seeing you next year.
Mike Hoffman, BA, CIP, CRMOIAA 2015 Christmas Party Chairperson
In Conjunction with the OIAA Professional Development and ClaimsConference, the OIAA also hosts a job fair for over 200 graduating students from Fanshawe College, Mohawk College, Seneca College and Conestoga College.Please join us in making the future leaders of the insurance industry feel welcome at our event.If you are interested in having a booth at the career fair, and for furtherinformation please contact Ian Gallagher, 1st Vice-President and Career Fair Chairperson.
Career Fair for Students
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Hosted by The Ontario Insurance Adjusters Association
Tuesday March 8, 2016 at the Richmond Hill Curling Club
121 Elgin Mills Road East, Richmond Hill, Ontario (905) 884-6597
This bonspiel is open to individual and/or team entries. The cost per person will be $55.00 plus HST ($62.15)
Breakfast and lunch will be provided.
Registration will be on our website at www.oiaa.comRegistration starts January 4, 2016 and closes on February 23, 2016
Please direct any questions about the event to Stephen TuckerE-mail: [email protected]
Fifteenth Annual Curling Bonspiel
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New Mem
bers
The following were approved as Active New Members in November 2015
NAME COMPANY CITY CHAPTERBEDARD, Ray Cunningham Lindsey St. Catharines NiagaraKLUGE, Breanne Crawford & Company Mississauga TorontoROGERS, Jane Crawford & Company Kitchener Kitchener-WaterlooEFFS-MORRIS, Annette ClaimsPro Markham TorontoCHEUNG, Benny ClaimsPro Markham TorontoPURDY, Luke ClaimsPro Kitchener Kitchener-WaterlooCHABOT, Neil ClaimsPro Hamilton HamiltonCHAMANLALL, Michael ClaimsPro Markham TorontoEDGAR-STUBGEN, Geoff ClaimsPro London LondonBOYLE, Kate ClaimsPro London LondonVUKOVICH, Shelley ClaimsPro Collingwood Georgian BayCOURCHESNE, Glenna ClaimsPro Binbrook HamiltonBUTTON, Angela Curo Claims Services Waterloo Kitchener-WaterlooBROWN, Jeremy ClaimsPro Windsor WindsorD'SOUZA, Jenny SCOR Toronto TorontoGIUGOVAZ, Susana The Co-Operators Kingston Thousand IslandsHENAO, Henry Aviva Canada Inc. London LondonCHAN, Rico CAA Insurance Company Thornhill TorontoBURETIC, Barbara ClaimsPro Hamilton HamiltonVANDORSSELAER, Heather Cunningham Lindsey Barrie Georgian BayROACH, Sarah Crawford & Company Hamilton Kitchener-WaterlooBOTTAN, Mike Crawford & Company New Liskeard NorthernJALBERT, Kaija The Co-Operators Sudbury NorthernTRYON, Joanna Unifund Assurance Pickering TorontoBROOKS, Janice The Regional Municipality of Niagara Thorold HamiltonWOLOCHATIUK, Shannon Wawanesa Barrie Georgian BayMCAULEY, Greg The Co-Operators Sault Ste Marie NorthernPAYNE, Carrie Wawanesa Barrie Georgian BayTROTTIER, Gillian Wawanesa Barrie NorthernBARESICH, Rachel ClaimsPro London LondonSAMAROO, Peggy Sedgwick Claims Management Services, Inc. Toronto TorontoBORTOLUS, Amanda Crawford & Company Toronto TorontoSTEWART, Mike RSA Insurance Sarnia LondonROBINSON, Jennifer Aviva Canada Inc. London LondonBRISCOE, Sarah Wawanesa Barrie Georgian BayFIORANTE, Laura Allstate Insurance Mississauga TorontoKEELING, Brad Travelers Oakville TorontoCORRIGAN, Lori Farm Mutual Reinsurance Plan Inc. Cambridge Kitchener-WaterlooBIGNALL, Daniel RSA Insurance Mississauga TorontoGRATCHEVA, Elena TD Insurance Toronto Toronto
WP January 2016
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OIAA Calendar of Events around the Province
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JANUARY
THURSDAYMONDAY TUESDAY WEDNESDAY FR IDAY
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UPCOMING OIAA EVENTSMark these dates down on your calendar -
DON’T MISS THEM!
February 3, 2016 2016 CLAIMS CONFERENCE - Metro Toronto Convention Centre
March 8, 2016 Curling Bonspiel - Richmond Hill Curling Club
April 13, 2016 Toronto Delegate Elections
All events are listed in our WP magazine. Each event will have registration on our website prior to the event – please watch for the details on our website
www.oiaa.com or in the WP magazine for more details.
WE HOPE YOU CAN JOIN US!
Upcoming Chapter Events
Please visit www.oiaa.com for more upcoming chapter events
ChapterNEWSChapterNEWS Simone RaymondCunningham Lindsey Canada Inc. E-mail: [email protected]
2016 OIAA Claims Conference, February 3, 2016 Register online at: www.oiaa.com
Thousand Islands Chapter, Educational Luncheon atMino’s Village
Niagara Chapter, Curling Bonspiel, St Catharines Golf and Country Club.
February 6, 2016London Chapter – Family Night Event, Boys & Girls ClubFebruary 11, 2016Kawartha Durham Chapter – Annual Hockey NightFebruary 16, 2016Ottawa Chapter – Past President’s NightFebruary 17, 2016Thousand Islands Chapter – Educational Luncheon,Mino’s Village RestaurantFebruary 24, 2016London Chapter – Curling Funspiel, Highland Curling ClubFebruary 24, 2016Niagara Chapter – Monthly meeting, St. CatharinesFebruary 25, 2016Kitchener/Waterloo Chapter – AB dispute provisions –Golf’s SteakhouseFebruary 25, 2016Windsor Chapter – Chili Cook-off at Ciocaro ClubFebruary 26, 2016OIAA Hamilton and IIC Hamilton/ Niagara Joint Ski- Holimont Ski Club, USA
Hamilton Chapter, Curling Bonspiel, Burlington Golf & Country Club
Georgian Bay Chapter, Ski Day –Craighleigth Ski Club, Blue Mountains
Kitchener/Waterloo Chapter, educa-tion meeting – Property round tablediscussion – Golf’s Steakhouse
London Chapter, Chili Cook-off / Trivia Night
Kawartha Durham Chapter, Annual Dart Tournament
Ottawa Chapter, Luncheon Seminar
28
The ‘Understanding’ Series for AdjustersTo meet the needs of today’s p&c industry and advance your career… you must stay on top of industry best practices.
The ‘Understanding’ Series for Adjusters provides deeper insights to improve the servicing of claimants—resulting in better-adjusted claims.
Developed in collaboration with the OIAA, this series of three certi�cate programs includes case studies and applied industry knowledge from subject matter experts. The series has been designed speci�cally for adjusters but also has high applicability to other industry roles.
Understanding Case Law | Two daysAcquire in-depth knowledge and skills to expertly source, interpret and apply case law to prepare a comprehensive �le for negotiation, settlement and litigation.
GTA February 24-25, 2016
Understanding Bodily Injury | Two daysLearn how to more e�ectively manage bodily injury claims through an in-depth look at the main principles and concepts, including presenting the claim, investigating exposures and more.
GTA March 29-30, 2016
Understanding Series Injury | Enhanced new formatBetter manage the recovery of injured claimants, and gain a broad perspective on accident bene�ts and bodily injury with a focus on the injured person.
This program has been enhanced! You’ll bene�t from less time away from the o�ce and you’ll still receive the fullness of content, but in a more e�cient manner. Learn more about the new program structure at www.insuranceinstitute.ca/seriousinjury.
To register your interest in this course, please contact your local IIO chapter
Learn more: www.insuranceinstitute.ca/AdjustersTraining
Come Together
ONTARIO INSURANCE ADJUSTERS
ASSOCIATION
S HOW GU I D E29
2 0 1 6PROFESSIONAL
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PROFESSIONALDEVELOPMENT & CLAIMS
CONFERENCE
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CLAIMS 2016
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WELCOME TO THE OIAA 2016 PROFESSIONAL DEVELOPMENTAND CLAIMS CONFERENCE
I am honoured to welcome everyone to the 24th Annual Claims Conference and Professional DevelopmentDay on behalf of the Ontario Insurance Adjusters Association. This year our theme is “Come Together”.
This year’s conference promises to provide networking and educational opportunities for all claims pro-fessionals, vendor partners and students in attendance. Once again, we have done our utmost to provideour members and guests with opportunities to meet new people, reacquaint themselves with their peers,learn new skills and explore resources that can be taken away and utilized in our daily lives.
We are hosting nine educational seminars throughout the day, at 9:00 a.m., 10:30 a.m., and 2:15 p.m.,with a wide variety of topics that promise to appeal to all fields within claims adjusting. We are very proud
of the industry professionals who have volunteered to speak on topics that are of interest to all of us. The exhibit floor opens at10:00 a.m., with coffee stations throughout the trade show floor, and closes at 4:00 p.m. We offer over 150 booths to visit, withprofessionals to provide you with information and new ideas. I’d like to thank the exhibitors for their time and expertise in con-tributing to our trade show as well as the colleges and companies that take part in the job fair making it such a success.
Lunch, available with the purchase of a lunch ticket, will be served at 12:00 noon, following an enjoyable experience withspecial guest speaker General Rick Hillier, former Chief of the Defence Staff of the Canadian Forces.
After the afternoon’s activities, join us again on the exhibit floor for our mix-and-mingle from 3:00 to 4:00 p.m., where youcan meet new and old friends and reflect upon the day’s events.
Putting together such an event, which brings together our members, vendor partners and students, is an enormous undertak-ing that requires considerable effort and time for everyone involved. I would like to thank our President, Catherine Groot for heradvice and support, along with the entire OIAA executive for their hard work. I would like to give a special thanks to my Co-ChairStephen Tucker and committee members, who have been diligently working to make this our most successful event ever: CindyBridge, Jennifer Graham and, of course Jackie Johnston.
Please remember each of our sponsors: their contributions provided you with the luncheon and the mix-and-mingle. The OIAAwould not be in its position today without them, so please take any opportunity to thank them in person and let them know howmuch they are appreciated.
I look forward to seeing each and every one of you in February; enjoy your day and make the most of it.
Carrie Evans, CIP, CRMChairperson - 2016 OIAA Professional Development & Claims Conference
OIAA 2015-2016 Executive CouncilPresident: CATHERINE GROOT, BA,CIP,CFEI1st Vice-President: IAN GALLAGHER, CIP 2nd Vice-President: JENNIFER GRAHAM, CIP Treasurer: MICHAEL McLEOD, CIP Secretary: LEANNE HARDMAN, BSc. Hons., CIPPast President: ALF STRUDWICKGeorgian Bay: GREG DOERR, CIPrgian Bay:
Kawartha/Durham: RAY PROCTOR,BA,CIPLondon: LEE-ANN VANSTEENKISTE, BA.(Hons), CIPNiagara: JEFF EDGE, CIP, CFEI Northern: BLAIR BOILARD, CIP,CFEIOttawa: CINDY BRIDGE, CIP, CRMThousand Islands: SIMONE RAYMONDThunder Bay: DAVID KIRYCHUK, BA, CFEI
The 2016 OIAA Professional Development & Claims Conference is organized and managed by the: Ontario Insurance Adjusters Association 29 De Jong Drive, Mississauga, Ontario L5M 1B9 Tel: (905) 542-0576 Fax: (905) 542-1301A special thank-you to the following members of the 2016 Conference Committee and Seminars and Education Committee for their efforts in organizing this event: Carrie Evans, Jeff Edge, Stephen Tucker, Simone Raymond, Lee-Ann Vansteenkiste, Greg Doerr, Catherine Groot and Jackie Johnston.
Kitchener: STEPHEN TUCKER,MA,FCIP, CRMHamilton: RHU SHERRARD,CIPToronto: CARRIE EVANS,CIP, CRM SHAWNA GILLEN,CIP JOHANNA RIENZO MATTHEW RIENZOWindsor: MIKE HOFFMAN,BA, CIP, CRM
32
BDO HELPS WHEN CAR ACCIDENTS STRIKEFor the individuals involved, it can be a devastating experience that means a long road to physical, emotional and financial recovery.
For the claims adjusters, it means building a strong team to help fairly assess the income losses sustained by injured parties to promptly resolve their claims.
At BDO, we have significant experience providing income loss assessment services, which has established our firm as one that insurance professionals can depend on.
Business interruption | IRB calculations | Personal injury claimsForensic investigations | Inventory losses | Fidelity and surety bonds
Vancouver | Calgary | Edmonton | Winnipeg | Toronto | Montreal | Halifax
Assurance | Accounting | Tax | Advisory
Greg Hocking Andrew Bourne416 775 7800 416 775 7802 [email protected] [email protected]
www.bdo.ca
BDO Canada LLP, a Canadian limited liability partnership, is a member of BDO International Limited, a UK company limited by guarantee, and forms part of the international BDO network of independent member firms. BDO is the brand name for the BDO network and for each of the BDO Member Firms.
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We would like to thank our sponsors...
This day of education and network-ing is provided free to insuranceprofessionals.
Exhibitors and sponsors are alsoable to resgister their staff with us,with a few minor restrictions. We would recommend that if youare an exhibitor to check with your marketing team to ensure that you are properly registered. If you are a sponsor please checkwith Carrie Evans at:[email protected] to ensure that you are registered.
All others must pay a $250.00 (plusHST) enterance fee for the day’sactivities, which does not include a lunch ticket.
Below is the definition of an Insurance Professional for the purpose of the OIAA’s Claims Conference.
INSURANCE PROFESSIONAL • Insurance brokers & agents• Students enrolled full time at Fanshawe College, Mohawk
College, Seneca College and Conestoga College.• Adjusters, managers, supervisors of insurers/self insurers• Supervising staff of independent adjusters,
business development staff of independent adjusters• Claims managers• Members of ORIMS• WSIB adjudicators• Sickness & Health care insurer adjudicators• Risk managers• Re-insurers• Staff of the Financial Services Commission of Ontario• Insurance Bureau of Canada • Insurance Institute of Ontario/Canada.
CLAIMS 2016
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Agenda at a GlanceWednesday, February 3, 2016Metro Toronto Convention Centre, Constitution Hall
MIX AND MINGLE 3:00 – 4:00 p.m.Sponsors: Encircle Inc., Henderson Structured Settlements LP,
HRYCAY Consulting Engineers Inc., Lerners LLP, Norman Lalonde Investigations Inc., PMAC, Roar Engineering and Zarek Taylor Grossman Hanrahan LLP.
10:00 a.m. - CoffeeTwo coffee-break stations are located on the trade show floor
10:00 am - Exhibit Hall Opens
9:00 – 10:00 a.m. Room 201BDAccident Benefits: Just when youthink you’ve got it...Presented by Kadey BJ Schultz, LL.B., LL.M., Partner, Schultz Frost LLP
9:00 – 10:00 a.m. Room 201FBusiness Interruption from theAdjuster’s PerspectivePresented by Drew Bailey, ACILA, CIP, FIFAA,B.Comm., Claimspro Adjusters
9:00 – 10:00 a.m. Room 103AB
Leveraging Social Media to Enhance your Professional BrandPresented by Amanda Bortolus, Hons. B.A. CRM, Crawford and Company
2:15 – 3:15 p.m. Room 201FThe Advantage of MentoringPresented by Margaret Parent, Director, Professionals’Division, Insurance Institute of Canada
2:15 – 3:15 p.m. Room 103ABDesk top Investigations: How to get the most out of internet searches.Presented by Anthony Kunkle of Mitchell Partners Investigations
2:15 – 3:15 p.m. Room 201BDFatal Damage AssessmentsPresented by James E. Dunn, LL.B., Partner, Blouin Dunn LLP
10:30 – 11:30 a.m. Room 103AB
Ethics: As adjusters what, if any-thing, do we owe and to whom?Presented by Keith Edwards FCILA, CLA, FUEDI-ELAE, Senior Vice President, Training and Development, SCM Insurance Services
10:30 – 11:30 a.m. Room 201F
Statutory Conditions & PropertyLoss Adjustments: What the ClaimsProfessional Needs to KnowPresented by Geoff Sullivan, CIP, CFEI, CFE, CCFI-C,Michael Jobson, CIP, and Philippe Pagé, LL.L, CIP,Cunningham Lindsay
10:30 – 11:30 a.m. Room 201BDCasualty Update: A Year in ReviewPresented by Ian Gold, LL.B. and Adam Bucci, B.A. (Hons), J.D., Thomas Gold Pettingill LLP
LUNCHEON 12:00 noon – 2:00 p.m.Sponsors: Davis Martindale, Evolve Assessments & Diagnostics,
Giffin Koerth, Makos Health Associates, Roar Engineering,Strone, Xpera Risk Mitigation & Investigation and Zarek Taylor Grossman Hanrahan LLP.
Key Note Speaker: General Rick Hillier Former Chief of the Defence Staff of the Canadian Forces
4:00 pm: Exhibit Hall Closes
A
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Good luck and enjoy the show!
A Chance for a Member to Win a $500.00 Costco Gift Card
Compliments of the OIAA
To win, visit at least 20 exhibitors throughout the day.Using the form provided, enter the booth number,
the company name and get a signature from the exhibitor.Then fill in your name and address, tear out the passport
and deposit in the ballot box at the OIAA booth on the show floor by 3:00 p.m.
P A S S P O R T
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BOOTH NO. COMPANY NAME SIGNATURE
Name __________________________________________________________________________
Company _______________________________________________________________________
Address_________________________________________________________________________
Prov. _________________________________ Postal Code _______________________________
Tel: ( )____________________________ Fax: ( ) ________________________________
E-mail: _________________________________________________________________________
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Drew Bailey, ACILA, CIP, FIFAA, B.CommDrew Bailey currently is employed with Claimspro Adjusters in London Ontario as a CharteredLoss Adjuster in the Special Risk Division. Drew has a Bachelor of Commerce (Honours)Degree from the University of Manitoba majoring in Actuarial Mathematics. He has beenadjusting claims for over 25 years and is considered an industry expert in complex commer-cial losses with a specialty in business interruption claims. He has handled losses Alberta,British Columbia, Saskatchewan, Manitoba, and Ontario.
OIAA 2016 Professional Development & Claims Conference SeminarsADJUSTER EDUCATION IS OUR PRIORITY
Business Interruption from the Adjuster’s PerspectivePresented by Drew Bailey, ACILA, CIP, FIFAA, B.Comm., Claimspro Adjusters
Join us for a lively seminar focusing on the regulatory and dispute resolution process changes,important case law and strategic tips to weather the changes ahead.
Accident Benefits: Just when you think you’ve got it…Presented by Kadey BJ Schultz, LL.B., LL.M., Partner, Schultz Frost LLP
Kadey B.J. Schultz, LL.B., LL.M.Kadey is a partner at Schultz Frost LLP and is a recognized expert in thefield of motor vehicle litigation in Ontario. While most known for herStatutory Accident Benefits practice, including first party disputes, priorityand loss transfer arbitrations, and conflicts arising from the interactionbetween the SABS and WSIB, she also defends complex liability cases.Kadey is actively involved in teaching, publishing and litigation.
This presentation is intended to introduce andfamiliarize adjusters with the investigation andassessment of commercial business interruptionlosses within the scope of an adjuster’s role andperspective. The presentation will assist adjustersin analyzing the information presented in accoun-tant’s reports in order to facilitate the negotiationof settlement. In addition, we will encourage andeducate adjusters to undertake their own businessinterruption assessment of non-complex small tomid-sized losses.
ASEMINAR
BSEMINAR
CSEMINAR
Amanda Bortolus, Hons. B.A. CRMAmanda has more than 7 years of experience that extendsfrom program management, claims handling to the marketingof professional insurance services. She is currently employed byat Crawford & Company (Canada) Inc. in the role of MarketingDirector, overseeing the marketing and communication func-tions in the organization. Amanda acts as a social media coachto various insurance professionals and c-suite executives.
With the ever-increasing popularity of social media networksand online communities, the modern professional’s onlinepresence acts as an integral part of their overall professionalreputation. In this seminar, the claims professional will learnto develop a professional brand and brand mantra, review theuse and function of social media platforms such as LinkedInand Twitter, and gain insight to solidify their professionalonline presence.
Leveraging Social Media to Enhance your Professional BrandPresented by Amanda Bortolus, Hons. B.A. CRM, Crawford and Company
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OIAA 2016 Professional Development & Claims Conference SeminarsADJUSTER EDUCATION IS OUR PRIORITY
Statutory Conditions & Property Loss Adjustments: What the Claims Professional Needs to KnowPresented by Geoff Sullivan, CIP, CFEI, CFE, CCFI-C, Michael Jobson, CIP, and Philippe Pagé, LL.L, CIP, Cunningham Lindsay
Ethics: As adjusters what, if anything, do we owe and to whom?Presented by Keith Edwards FCILA, CLA, FUEDI-ELAE, Senior Vice President, Training and Development, SCM Insurance Services
So what is an adjuster to do? What moral or ethicalobligation is owed? How does this vary from the legalobligation owed? How should we deal with conflictingand contradictory expectations? In this presentation,claims professionals will hear helpful tips on how tobalance the increased demands of customer servicewith the inherent need to uphold the integrity of thepolicy, defend our actions and determinations andavoid bad faith claims, claims against the Unfair orDeceptive Acts or Practices, and what current case lawhas to say about it all.
Geoff Sullivan, CIP, CFEI, CFE, CCFI-CGeoff has over 26 years of adjusting experience and he has handled large major losses for amany industry sectors including Industrial Property, Agriculture and Food, Building andConstruction, Mining, and Marine and Transportation. His expertise lies in handling lumber,forestry, equipment and processing, course of construction/builders’ risk, boiler and machinery,pulp and paper, business interruption, environmental pollution, and liability claims.
Michael Jobson, CIPMichael currently works for Cunningham Lindsey, and has been an independent insuranceadjuster since 1991. His experience includes 5 years as a Branch Manager and years handlinga wide variety of losses including commercial property, liability, business interruption, heavyequipment, boiler machinery, wrap up liability, course of construction, marine and cargoclaims. Michael has been called on by a number of insurers to assist on large commercial loss-es, and also specializes in contentious and difficult claims adjustments.
Philippe Pagé, LL.L, CIP Mtre Philippe Pagé began his career as an insurance and civil trial lawyer in 1980 and obtainedthe CIP certification in 1987. He was issued his AMF Claims adjusting certificate in 2009. Hejoined the Cunningham Lindsey team in April 2012 and has since worked as a claims adjuster.Phillippe’s specialities include General Liability, product liability, construction liability, professionalliability, E&O and D&O Liability and Bond, fidelity and dishonesty claims.
Keith Edwards, FCILA, CLA, FUEDI-ELAEKeith Edwards is Senior Vice President and Privacy Officer at SCMInsurance Services. A Fellow of the Chartered Institute of Loss Adjustershe has been adjusting claims for 45 years. He is past president of theCanadian Independent Adjusters Association, a private pilot and a parttime travel writer for Homefront Magazine. He is also a Board Memberof Canada Cares and the Canada Abilities Foundation. He has a particu-lar interest in promoting high standards in the profession.
This seminar will assist as a refresheror educate the claims professional on the limitations, conditions andrequirements of both parties as laidout and agreed to in the contract ofinsurance. This seminar is a back tobasics which will appear to all levelsof experience.
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Fatal Damage AssessmentsPresented by James E. Dunn, LL.B., Partner, Blouin Dunn LLP
The Advantage of MentoringPresented by Margaret Parent, Director, Professionals’ Division, Insurance Institute of Canada
Margaret ParentMargaret has more than 25 years of experience as a Communicationsprofessional working predominantly within professional associations/membership organizations. Margaret joined the Institute in 2005 asDirector of the Professionals’ Division with responsibilities for the CIPSociety, Career Connections, and the Institute’s Research division.Margaret is pleased to present on the importance of mentoring inaddressing the industry’s retention issues.
James E. Dunn, LL.B. James E. Dunn received his undergraduate degree at the University ofWestern Ontario and the University of Windsor. He obtained a Bachelor ofArts degree in Philosophy in 1973 and then attended the University ofWindsor Law School where he obtained his LLB in 1976. He specializes injury trial work in the Ontario Superior Court of Justice, as well as tort/BIwork, rail-related claims, product liability, coverage dispute litigation andCGL cases. He has also appeared as counsel in the Ontario Court of Appealand before various administrative tribunals, including FSCO.
This presentation will take adjusters through the process of assessing the quantum of fatality claims and preparingreserve worksheets. The adjuster will learn about recentcase law and awards as well as what defines an eligibleclaimant, pecuniary and non-pecuniary assessments, contingencies, possible deductions, and damages under the Trustee Act and negotiating tactics.
Mentoring helps to build skills and accelerate learning,transfer knowledge, enhance professional ethics, broadenscope and awareness of issues and implications, and guidecritical thinking and decision-making. In this presentation,Margaret will talk about the benefits of forming effectivementoring relationships, what it means to be a successfulmentor and mentee, the importance of setting SMART goalsfor mentoring relationships, and the tools and resources formentors, mentees and organizations that are available.
Anthony Kunkle Anthony Kunkel is General Manager and co-founder of Mitchell PartnersInvestigation Services. A graduate of Sheridan College in 1986, Anthonybegan his investigations career working undercover in industrial settings andconducting surveillance for corporate, WSIB and insurance clients. In 1989Anthony joined Mitchell & Associates as an investigator and manager, and in 1995 was offered a partnership, when Mitchell Partners was formed. In the 20 years since, Mitchell Partners has grown to become one ofOntario's premier investigation agencies.
Desk top Investigations: How to get the most out of internet searches.Presented by Anthony Kunkle of Mitchell Partners InvestigationsA multimedia presentation providing practical, useable methods and tactics for finding informationon the internet quickly and efficiently, including useful free sources of information and shortcuts forthe searches we do every day.
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GSEMINAR
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Ontario courts have rendered a numberof important decisions over the pastyear on a variety of casualty-relatedissues. Regardless of your backgroundin the insurance industry, we trust thatyou will find our review of the mostimportant decisions of 2015 to beinformative and helpful.
Casualty Update: A Year in ReviewPresented by Ian Gold, LL.B. and Adam Bucci, B.A. (Hons), J.D., Thomas Gold Pettingill LLP
Ian Gold, LL.BIan Gold is a founding partner in Thomas Gold Pettingill LLP. He is a skillful civil and commercial litigator having extensive trial experience with judges and juries. His practice spans all fields butemphasizes complex insurance litigation. Ian has handled all matters of insurance and insurancecoverage cases on behalf of policyholders and insurers including professional malpractice, propertyand casualty claims, class actions, and environmental litigation.
Adam Bucci, B.A. (Hons), J.D.Adam is an associated at Thomas Gold Pettingill, LLP. He joined the firm in 2013 and works primarily in the insurance defence group working on motor vehicle, property, casualty and liabilityclaims. Adam attended Osgoode Hall Law School, where he obtained his J.D. in 2011. He wascalled to the Ontario bar in 2012.
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A.D.S. FORENSICS INC.BOOTH 402316 Colborne Street WestWhitby, ON L1N 1X3Contact: Michael SigsworthPhone: 800-380-7908E-mail: [email protected] offer experience, expertise andpresentability. ADS adds to that value,unbeatable turnaround and superior communication. See why we are “A Different Solution”.
A.R.S. ASSESSMENTREHABILITATION SERVICES INC.BOOTH 941150 Consumers Road, Suite 500Toronto, ON M2J 1P9Contact: Maria MaherasPhone: (416) 510-2468 E-mail: [email protected]. offers a wide array of servicesincluding IME’s, File Reviews, MRI’s,Return to Work Programs, DisabilityManagement and Education Sessionsacross Canada.
ABLE TRANSLATIONS LTD.BOOTH 8025749 Coopers Ave.Mississauga, ON L4Z 1R9Contact: Maria Oliveira Phone: (905) 502-0000 Ext.7236E-mail: [email protected] language services 24/7: on-site, over-the-phone and video remoteinterpreting; document translation. 3,500+ qualified language professional,100+ languages. ISO 9001:2008,CAN/CGSB-131.10-2008, EN 15038 and NSGCIS-AILIA certified.
ABLE TRANSPORT LTD.BOOTH 1055749 Coopers Ave.Mississauga, ON L4Z 1R9Contact: Maria OliveiraPhone: (905) 502-6500 Ext.7236E-mail: [email protected] transportation providingdoor-to-door service nationwide.Individual or group shuttle, paratransitand limousine services available 24/7.Wheelchair accessible vehicles.
ACADEMY OF INSURANCEADJUSTING (AIA)BOOTH 1306c/o CRU Adjusters, 15 Allstate Parkway,6th Floor, Markham, ON L3R 5B4Contact: Mike LabergePhone: (613) 983-9121E-mail: [email protected] delivers customized courses for the loss adjuster, damage estimator or restoration specialist designed to enhanceperformance. Experience exceptional training through hands on instruction.
ACCESS RESTORATION SERVICES LTD.BOOTH 20331 Densley AvenueToronto, ON M6M 2P5Contact: Lisbet EstradaPhone: (416) 244-9797 Ext.244E-mail: [email protected] Access Restoration Services Ltd., we pride ourselves on injecting quality,honesty, and integrity into every projectwe take on. Dedicated to satisfying your needs!
ACCESSIBLE SOLUTIONS INC.BOOTH 8081075 North Service Road West, Suite 204Oakville, ON L6M 2G2Contact: David Borthwick Phone: (905) 827-1996E-mail: [email protected] as the most qualified and credentialed accessibility firm, ASI ensuresthat your catastrophically impaired clients’homes are objectively and accuratelyassessed in adherence with SABS.
ACCIDENT SUPPORT SERVICESINTERNATIONAL LTD.BOOTH (905)111 Toryork Drive, Toronto, ON M9L 1X9Contact: Steve SandersonPhone: (416) 745-3301E-mail: [email protected] collision reporting to police,insurers; First Notice of Loss, servicingyour customers, promoting claims pro-grams, supplying police reports, damagephotos, analytics tool, reducing fraud.
ACCLAIM ABILITY MANAGEMENT INC.BOOTH 202901 King St. West, Suite 203, PO Box 17Toronto, ON M5V 3H5Contact: Beryl DerroPhone: (416) 486-9706E-mail: [email protected] Ability Management specializesin Occupational Therapy, VocationalAssessments, Case Management andInsurers’ Examinations. ACCLAIM offershealth-care specialists providing completecoverage throughout Ontario.
AGTA HOME HEALTH BOOTH 3027695 Jane St., Unit 3Vaughan, ON L4K 1A8Contact: Vince AgovinoPhone: (905) 760-2482E-mail: [email protected] all your homecare needs. We sell and rent quality medical equipment and assis -tive devices plus we also provide nursingcare, attendant care and housekeeping.
ALL LANGUAGES LTD.BOOTH 301421 Bloor Street East, Suite 306Toronto, ON M4W 3T1Contact: Andrew LearnerPhone: (416) 975-4175E-mail: [email protected] Languages Ltd. – Providing qualitytranslation and interpreting services to theinsurance industry since 1971. Certified tothe world’s highest standards. Superiorcustomer service sets us apart.
ARCON FORENSIC ENGINEERSBOOTH 509352 Consumers Rd, Toronto, ON M2J 1P8Contact: Randy HendersonPhone: (416) 491-2525E-mail: [email protected] engineering is our business andwe’ve been successful in this business for50 years by giving our clients fact-based,unbiased interpretations of property lossand personal injury claims.
EXHIBITORS
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ASAP SECURED INC.BOOTH 9398160 Parkhill Drive, Milton, ON L9T 5V7Contact: Chris McClellandPhone: 877-923-2727E-mail: [email protected] Security and Protection (ASAP)provides highly trained security profes-sionals for control and documentation offire and disaster scenes 24 hours a day.
ASSESSMED INC.BOOTH 5015945 Airport Rd., Suite 174Mississauga, ON L4V 1R9Contact: Colin MillerPhone: (905) 678-2924E-mail: [email protected] by specialists including functional evaluations, psychological,neuropsycho logical and psychiatric evaluations, employability assessments,catastrophic determination, JDA, ADLs,Paper Reviews. Physiatrists, OrthopaedicSurgeons, Chiropractors, OccupationalTherapists, Physiotherapists and more.
BACHLY CONSTRUCTION BOOTH 80427 Nixon Road, Bolton, ON L7E 1J7Contact: Matt O'BrienPhone: (905) 951-3100E-mail: [email protected] Since 1962, Specializing in Residential,Commercial, Industrial and InstitutionalRestoration. Now open: BachlyConstruction Calgary, AB Branch.
BARRAGERS CLEANERSBOOTH 1004332 Guelph Street, Unit 1Georgetown, ON L7G 4B5Contact: Joel LeePhone: (905) 877-2279E-mail: [email protected] give you peace of mind, guaranteed. Our documentation system gives you control over the claim (fewer headaches).Specializing in silks and Indian garments.
BAXTER STRUCTURESBOOTH 13023 Church St., Suite 501Toronto, ON M5E 1M2Contact: Kyla BaxterPhone: (416) 947-1266E-mail: [email protected] Structures was founded in 1978 and remains an industry leader throughexemplary support and service providingeach client the means to move on.©
BAY MEDICAL & HEALTH SERVICESBOOTH 4071457 McCowan Rd. Unit 214,Toronto, ON M1S 5K7Contact: Colleen Gill Phone: (416) 444-4100E-mail:[email protected] 1991 we have performed independentassessments, FCE’s and diagnostics acrossCanada through our roster of hundreds ofspecialists. That’s all we do. We do it well.
BAYSHORE HEALTHCAREBOOTH 12052101 Hadwen Rd.Mississauga, ON L5K 2L3Contact: Kelsey JohnstonPhone: (905) 822-8075 Ext.32314E-mail: [email protected]’s services are available acrossCanada, supported by a National Care Teamthat provides a central point of contact. For more information on our services,please contact our National Service Centreat 1-866-265-1920 or [email protected]
BDO CANADA LLPBOOTH 935123 Front Street West, Suite 1100Toronto, ON M5J 2M2Contact: Greg HockingPhone: (416) 775-7800E-mail: [email protected] of Canada’s largest and most comprehensive investigative and forensicaccounting practices, providing independ-ent insurance claims loss quantifications.
CLAIMS 2016
BELFOR PROPERTY RESTORATION BOOTH 1046497 Edwards Blvd. Mississauga, ON L5T 2V2Contact: Beck WellsPhone: (905) 564-5777E-mail: [email protected] is the worldwide leader in restor-ing properties damaged by fire, water andnatural disaster.
BIOSWEEP CANADABOOTH 106300 Exeter Rd. Ste 302London, ON N6L 1A3Contact: Todd CadenheadPhone: 888-426-1470 Ext.32E-mail: [email protected] Canada is the Industry Leader inOdour Eradication and Disinfection. We provide the most effective and rapidsolution to all odour related claims.
BROSZ FORENSIC SERVICESINC.BOOTH 30864 Bullock Drive, Markham, ON L3P 3P2Contact: Vinita JajwarePhone: (905) 472-6660E-mail: [email protected] in 1970, our team of profession-al engineers, scientists, and technologistsprovide expert engineering analysis forequipment owners, insurance companies,claims adjusters, and law firms. For more information please visitwww.brosz.net.
BURKE’S RESTORATION INC.BOOTH 91398 Milvan DriveToronto, ON M9L 1Z6Contact: Gary BurkePhone: (416) 744-2456E-mail: gary.burke@
burkesrestoration.comWe are residing at our new offices inToronto at 98 Milvan Dr., Toronto.Burke’s Restoration. General contractorservicing the greater Toronto area since1979.
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CARSTAR COLLISION &GLASS SERVICEBOOTH 1091460 Stone Church Road EastHamilton, ON L8W 3V3Contact: Alyssa DulallPhone: (905) 388-2264E-mail: [email protected] Carstar Collision & Glass stores wemake great things happen socially, environmentally and economically. With over 180 locations to serve you,visit CARSTAR, we make accidentsunhappen.
CATASTROPHIC INJURY MANAGEMENT, INC.BOOTH 9251600 Steeles Ave. West, Unit 17BConcord, ON L4K 4M2Contact: Jodi HarendorfPhone: (905) 669-6882 E-mail: [email protected] provides pro-active case managementservices for catastrophic and non-catastrophic injuries. CIM has 20 yearsof case management experience, and canmeet your claims needs.
CENTRIC HEALTH MEDICALASSESSMENTSBOOTH 9404 Lansing Square, Suite 110North York, ON M2J 5A2Contact: Lisa RowlandPhone: (416) 567-8372E-mail: [email protected] Health Medical Assessments isCanada’s largest medical assessmentcompany. Providing our clients withmedical and health professional assess-ments, assisting them in returning to normal function at work and home.
CEP FORENSIC ENGINEERING INC.BOOTH 2041103 Wentworth St., West, Unit 3Oshawa, ON L1J 8P7Contact: Cynthia GalazzoPhone: (450) 686-0240E-mail: [email protected] has provided the insurance industrywith forensic engineering services for over40 years. The Ontario market is served byour GTA and Ottawa offices.
CLAIMS 2016
CDRG & RED TEAMBOOTH 2091084 Kenaston St. Unit 5,Ottawa,ON K1B 3P5Contact: Kathy BeroPhone: (613) 736-9222E-mail: [email protected] cdrg+REDTEAM is Canada's mostexperienced restorer owner organization.With 1750 united property specialists andan average of 20.8 years in business we“Design and Rebuild Environments by Design”.
CANADIAN INDEPENDENTADJUSTERS’ ASSOCIATIONBOOTH 7015401 Eglinton Ave. W., Suite 100Etobicoke, ON M9C 5K6Contact: Patricia BattlePhone: (416) 621-6222E-mail: [email protected] purpose of CIAA is to promote andrepresent common business interests oflicensed Independent Insurance Adjusterswithin the insurance industry.
CANADIAN REHABILITATIVECONSULTANTSBOOTH 4041457 McCowan Rd. Unit 214Toronto, ON M1S 5K7Contact: Colleen GillPhone: (416) 444-4100E-mail: [email protected] leader providing occupationaltherapy and medical IE services. We havebeen in business since 1987 and have adiverse roster throughout Ontario.
CANADIAN UNDERWRITERMAGAZINEBOOTH 110080 Valleybrook DriveToronto, ON M3B 2S9Contact: Paul AquinoPhone: (416) 510-6788E-mail: [email protected]’s most trusted insurance and riskmagazine. Publishers of: The OntarioBroker, Statistical Issue, Claims Canada,National Claims Manual, OntarioInsurance Directory, Litigation ServicesGuide. www.canadianunderwriter.ca,www.i-hire.ca, www.instouch.com
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CIRA MEDICAL SERVICESBOOTH 1105180 Dundas St W., Ste 1050Toronto, ON M5G 1Z8Contact: Christine HobleyPhone: (905) 633-7800E-mail: [email protected] Medical Services is a leading nationalprovider of medical assessments and healthservices for the insurance, medical legal andemployer communities across Canada.
CLAIMSPROBOOTH 13005083 Windermere Blvd., Ste. 101 Edmonton, AB T6W 0J5Contact: Shannon GrabillPhone: (780) 930-5317E-mail: [email protected] is an independent adjusting andclaims management company that has beenworking with Canada’s domestic insuranceand corporate markets since 1986.
CLEANOL BOOTH 92340 Adesso Drive, Concord, ON L4K 3C6Contact: Jay WilsonPhone: (416) 745-2315E-mail: [email protected] 24-hour emergency services anda complete range of building and contentsrestoration. We have been servicing theGTA and surrounding area for over 50years.
COLLINS BARROW TORONTO LLPBOOTH 130811 King Street West, Suite 700 Toronto, ON M5H 4C7Contact: Ian WollachPhone: (416) 480-0160E-mail: [email protected] Barrow is a pre-eminent litigationaccounting and business valuation firm providing quality services to a clientele that includes plaintiff counsel and defendant insurers.
CLAIMS 2016
CORE INTERGRATED HEALTHRESOURCES INC.BOOTH 8057 Director Ct. Suite 105Woodbridge, ON L4L 4S5Contact: Danny StirpePhone: (905) 850-1155E-mail: [email protected] Core I.H.R., we proudly provide ourclients access to the highest quality medical evaluations and testing through aselect, experienced group of medical/rehabilitation specialists.
CRAWFORD & COMPANY(CANADA) INC.BOOTH 803300 - 123 Front St. W., Toronto, ON M5J 2M2Contact: Amanda BortolusPhone: (647) 200-6960E-mail: [email protected] is the world’s largest independentprovider of claims management solutions.Major product lines include property/casualty claims management, disabilitymanagement and legal settlement administration.
CRDN CANADABOOTH 8092060 Coolidge Hwy Berkley, MI 48072Contact: Kelly JapowiczPhone: (248) 246-7878E-mail: [email protected]’s garment and textile restorationservices reduce severity and additionalliving expenses while improving customersatisfaction and helping adjusters closecontents claims efficiently.
CUNNINGHAM LINDSEY CANADABOOTH 60950 Burnhamthorpe Rd. West, Suit 1102Mississauga, ON L5B 3C2Contact: John JonesPhone (905) 896-8181E-mail: [email protected] Lindsey is a leader in qualityrisk solutions, integrating customized service delivery with superior expertise herein Canada and around the world.
Your fully bondable & insured full-service environmental remediation contractor.
Specializing in innovative and cost-effective remediation techniques to solve your
specific environmental challenge, we tailor our environmental remediation solutions to
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ATTENTION! INSURANCE INDUSTRY,ADJUSTERS AND CONSULTANTS
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D&D DISABILITY MANAGEMENTBOOTH 1024 Director Court, Suite 105Vaughan, ON L4L 3Z5Contact: Jason MirandaPhone (416) 633-8124E-mail: [email protected] 1994 D&D has been providing a fullrange of Medical, Occupational Therapy,and Vocational services to the auto, LTD,employer, WSIB, and medical legal market.
D.L. SERVICES INC.BOOTH 907120 County Rd 64, PO Box 3014Brighton, ON K0K 1H0Contact: Paula Hayes JunkinPhone: (519) 503-5249E-mail: [email protected] Risk with Quality and Integrity-Environmental Contractors and Consultantsproviding the best remediation solutions forspills, contaminated water, soils and air.
DAVIS MARTINDALEBOOTH 914373 Commissioners Road WestLondon, ON N6J 1Y4Contact: Dan TowersPhone: (519) 673-3141E-mail: [email protected] are leading provider of insurance claimsand litigation accounting services to insurersand their legal counsel across Ontario.
DELSUITES (INSURANCEHOUSING SOLUTIONS)BOOTH 5064800 Dufferin StreetToronto, ON M3H 5S9Contact: Suelyn BloyePhone: (416) 296-8838 Ext 2250E-mail: [email protected] over 15 years, Delsuites providesimmediate, cost-effective furnished housing for your displaced policyholderwhile their home is being restored. As adivision of Tridel, Delsuites offers thegreatest coverage in the most desired locations in Toronto.
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DIRECT IMEBOOTH 5073760 – 14th Avenue, Suite 201A Markham, ON L3R 3T7Contact: Sal IsmailPhone: 888-253-4420E-mail: [email protected] by an industry leading tech-nology platform, Direct IME provides afull range of comprehensive, defensibleand evidence-based Medical, Functional,Vocational and Diagnostic Assessmentsand Review Services to the insuranceindustry, employers and the legal community across Canada.
DISCOUNT CAR & TRUCKRENTALSBOOTH 505720 Arrow Road, Toronto, ON M9M 2M1Contact: Paul NestorowichPhone: (416) 744-0123E-mail: [email protected]% Canadian-owned and operated! We’reproud to be dedicated to servicing the needsof the automobile insurance industry at over 90 locations throughout Ontario.
DISTINCTIVE ENGINEERINGINC.BOOTH 6051155 North Service Rd W., Unit 11Oakville, ON L6M 3E3Contact: Michael LeBlancPhone: (416) 624-2943E-mail: [email protected] specializes in environmental engineer-ing for the insurance industry. Exceptionalservice and a commitment to excellence.Visit us at deicanada.com or 1-855-624-2943.
DKI CANADA LTD.BOOTH 9103190 Ridgeway Drive, Unit 10Mississauga, ON L5L 5S8Contact: Adam TzarikPhone: (905) 820-0188E-mail: [email protected] Canada Ltd. is North America’sLargest restoration network. Our nation-wide network provides fastand high quality response for all yourproperty needs.
DRIVEAGAINBOOTH 5082700 Dufferin Street, Unit 44Toronto, ON M6B 4J3Contact: Remo MinichielloPhone: (416) 725-2214E-mail: [email protected] is dedicated to helping peoplewith injuries, disabilities or driving challenges regain driving independence.
DSB CLAIMSBOOTH 1002204 Main St. NBrampton, ON L8P 1V6Contact: Dara BangaPhone: (416) 400-8933E-mail: [email protected] Claims is a specialty boutique adjust-ing firm with multiple locations in Ontario.Our team is unrivaled in its depth of experience. Experience the difference.
DYNAMIC FUNCTIONAL SOLUTIONS INC.BOOTH 909120 Traders Blvd East, Unit 105Mississauga, ON L4Z 2H7Contact: Marta SampaioPhone: 1-866-897-5515E-mail: [email protected] Canadian company that specializes indelivering industry leading QualityIndependent Medical Evaluations to AutoInsurers, Medical-Legal Communities,Employers and Government Agenciesacross Canada. Please visit www.dynam-icfunc.com for more information.
E-DJUSTER INC.BOOTH 10028 Concourse Gate, Suite 203Ottawa, ON J2E 7T7Contact: Doug GrievePhone: (866) 779-5950E-mail: [email protected] is the industry leader in contentclaims, providing fast, fair, dispute free content settlements generating savings inclaim processing and indemnity payouts of claims.
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EXH IB I TMETRO TORONTO CONV
Exhibitor Booth #
A.R.S. Assessment Rehabilitation Services Inc.. . . . . . . . . . . . . . . . . . . . 941
Able Translations Ltd.. . . . . . . . . . . . . . 802Able Transport Ltd. . . . . . . . . . . . . . . . . 105Academy of Insurance Adjusting(AIA) 1306Access Restoration Services Ltd. . . . . . 203Accessible Solutions Inc. . . . . . . . . . . . 808Accident Support Services
International Ltd. . . . . . . . . . . . . . . . . 905ACCLAIM Ability Management Inc.. . 202ADS Forensics Inc. . . . . . . . . . . . . . . . . 402AGTA Home Health Care. . . . . . . . . . . 302All Languages Ltd. . . . . . . . . . . . . . . . . 301Arcon Forensic Engineers . . . . . . . . . . . 509A.S.A.P. Secured Inc.. . . . . . . . . . . . . . 939AssessMed Inc. . . . . . . . . . . . . . . . . . . . 501Bachly Construction . . . . . . . . . . . . . . . 804Barragers Cleaners . . . . . . . . . . . . . . . 1004Baxter Structures . . . . . . . . . . . . . . . . . 1302Bay Medical & Health Services . . . . . . 407Bayshore Health Care . . . . . . . . . . . . . 1205BDO Canada LLP . . . . . . . . . . . . . . . . . 935Belfor Property Restoration . . . . . . . . . 104BioSweep Canada . . . . . . . . . . . . . . . . . 106Brosz Forensic Services Inc. . . . . . . . . . 308Burke’s Restoration Inc. . . . . . . . . . . . . 913CDRG & Red Team . . . . . . . . . . . . . . . 209Canadian Independent Adjusters’
Association . . . . . . . . . . . . . . . . . . . . . . . . 701Canadian Rehabilitative Consultants . . 404Canadian Underwriter Magazine. . . . 1100CARSTAR Collision & Glass Service . . 109Catastrophic Injury Management, Inc. . 925Centric Health Medical Assessments . . 940CEP Forensic Engineering Inc. . . . . . . . 204Cira Medical Services . . . . . . . . . . . . . 1105CLAIMSPRO . . . . . . . . . . . . . . . . . . . 1300Cleanol Integrated Services Ltd. . . . . . . 923Collins Barrow Toronto LLP . . . . . . . 1308Core Integrated Health Resources Inc. 805Crawford & Company (Canada) Inc. . . 803CRDN Canada. . . . . . . . . . . . . . . . . . . . 809Cunningham Lindsey Canada . . . . . . . . 609D&D Disability Management . . . . . . . . 102D.L. Services Inc. . . . . . . . . . . . . . . . . . 907Davis Martindale . . . . . . . . . . . . . . . . . . 914Delsuites (Insurance Housing Solutions) 506Direct IME.. . . . . . . . . . . . . . . . . . . . . . 507Discount Car & Truck Rentals . . . . . . . 505Distinctive Engineering Inc. . . . . . . . . . 605DKI Canada Ltd. . . . . . . . . . . . . . . . . . . 910DriveAgain . . . . . . . . . . . . . . . . . . . . . . 508DSB Claims . . . . . . . . . . . . . . . . . . . . . 1002Dynamic Functional Solutions Inc.. . . . 909E-djuster Inc. . . . . . . . . . . . . . . . . . . . . . 100EcoPure Cleaners. . . . . . . . . . . . . . . . . . 409
EFI Global . . . . . . . . . . . . . . . . . . . . . . . 900Enterprise Rent-A-Car. . . . . . . . . . . . . 1006ESM Solutions. . . . . . . . . . . . . . . . . . . 1206Essentially You Inc . . . . . . . . . . . . . . . 1008Exacta Interpreting Inc. . . . . . . . . . . . . . 921First General Canada . . . . . . . . . . . . . . . 403 Focus Assessments Inc.. . . . . . . . . . . . . 103FRSteam Canada . . . . . . . . . . . . . . . . . . 309GHD Limited. . . . . . . . . . . . . . . . . . . . . 304Giffin Koerth . . . . . . . . . . . . . . . . . . . . . 201Gilbertson Davis LLP . . . . . . . . . . . . . . 601Ground Force Envrionmental . . . . . . . 1209Gus. . . . . . . . . . . . . . . . . . . . . . . . . . . . 1304
H & A Forensic Accounting Inc. . . . . . 306Hazmasters. . . . . . . . . . . . . . . . . . . . . . . 901Health Recovery Group. . . . . . . . . . . . . 602Henderson Structured Settlements LP . 709Homewood Suites by Hilton TACC . . 406Hudson Restoration . . . . . . . . . . . . . . . . 607Hughes Amys LLP . . . . . . . . . . . . . . . . 806HVE Healthcare Assessments . . . . . . . 205IME Plus Evaluations Ltd. . . . . . . . . . . 504Independent Rehabilitation
Services Inc.. . . . . . . . . . . . . . . . . . . . 206InPro Claims Services . . . . . . . . . . . . . 1106Insignia Forensic Group Inc.. . . . . . . . . 902
FRONT
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FLOOR PLAN VENTION CENTRE, CONSTITUTION HALL
Insurance Bureau Of Canada . . . . . . . 1000Insurance Institute of Ontario . . . . . . . . 400The Interpreters’ Group Inc. . . . . . . . . . 503Intrepid Investigations Inc. . . . . . . . . . . 915Investigative Research Group . . . . . . . . 300ISB Canada . . . . . . . . . . . . . . . . . . . . . . . . 200Itech Environmental . . . . . . . . . . . . . . 1103Jenish Forensic Engineering. . . . . . . . . . 1009Karen Rucas and Associates . . . . . . . . . 408KG Services . . . . . . . . . . . . . . . . . . . . . . . 911King Transit MVA Services Ltd. . . . . . 937Kodsi Engineering Inc. . . . . . . . . . . . . 1203Larrek Investigations. . . . . . . . . . . . . . . 929
Makos Health Associates . . . . . . . . . . . 903Marriott International . . . . . . . . . . . . . 1102Masterclean Contracting. . . . . . . . . . . . . . 934McCague, Borlack LLP . . . . . . . . . . . . 101McKellar Structures Settlements . . . . 1003MDD Forensic Accounting. . . . . . . . . . 600MEA Forensic Engineers & Scientists 1107Minto Furnished Suites . . . . . . . . . . . . . 943Mitchell Partners Investigation
Services. . . . . . . . . . . . . . . . . . . . . . . 1104MKA Canada Inc. . . . . . . . . . . . . . . . . . 108Most Valuable Asset Interpreting &
Transportation Services. . . . . . . . . . . . 702
Exhibitor Booth #
Newtron Group . . . . . . . . . . . . . . . . . . 1200North York Rehabilitation Centre Corp 708Northwood & Associates Inc. . . . . . . . . 608OIAA . . . . . . . . . . . . . . . . . . . . . . . . . . . 920Oakwood Worldwide - Insurance
Housing Solutions . . . . . . . . . . . . . . 1202Origin And Cause . . . . . . . . . . . . . . . . . 401PT&C/LWG Forensic Consulting . . . . 500Pario Engineering & Enviromental. . . . 930Paul Davis . . . . . . . . . . . . . . . . . . . . . . 1108Paul’s Restorations . . . . . . . . . . . . . . . 1201PCA Adjusters Limited . . . . . . . . . . . . . 700Pinchin Ltd. . . . . . . . . . . . . . . . . . . . . . . 604Polygon Restoration Inc. . . . . . . . . . . . . 927Premiere Suites . . . . . . . . . . . . . . . . . . 1204PriceWaterhouseCoopers LLP . . . . . . . 807R.J. Burnside & Associates Limited . . . 936R.J. Shirer & Associates Inc. . . . . . . . 1005Rainbow International . . . . . . . . . . . . . 1208Rapid City Transportation. . . . . . . . . . . 932Read Jones Christoffersen Ltd. . . . . . . . 606ReClaim Insurance Replacement . . . . . 207Rehab First Inc. . . . . . . . . . . . . . . . . . . . 917Rehab Results Inc. . . . . . . . . . . . . . . . . . 303Relectronic-Remech Inc.. . . . . . . . . . . 1001Road Canada . . . . . . . . . . . . . . . . . . . . 1109Safetech Environmental Ltd.. . . . . . . . . 603ServiceMaster Restore . . . . . . . . 705 & 707Sibley & Associates. . . . . . . . . . . . . . . . 704SIMAC Medical Assessments. . . . . . . . . 107SJ Kernaghan Adjusters . . . . . . . . . . . . . 502SOMA Medical Assessments Corp . . . 912SPECS Ltd. . . . . . . . . . . . . . . . . . . . . . . 208Speech Processing Solutions. . . . . . . . . 703St. John’s Rehab Program -
Sunnybrook Hospital . . . . . . . . . . . . . 933Stantec Consulting Ltd. . . . . . . . . . . . . . 916Staybridge Suites . . . . . . . . . . . . . . . . . . 106STRONE . . . . . . . . . . . . . . . . . . . . . . . . 800TIAS (Tool Inventory & Appraisal) . . . 919Tri-Star Disaster Recovery Inc.. . . . . . . 405Viktoria professional Movers . . . . . . . . 908Vista Corporate Housing. . . . . . . . . . . . 938Walters Forensic Engineering Inc. . . . . 801West Park Assessment Centre. . . . . . . 110Whitehall Bureau Of Canada Ltd . . . . 1007Williams & Partners Forensic
Accountants Inc. . . . . . . . . . . . . . . . 1101Winmar. . . . . . . . . . . . . . . . . . . . 904 & 906WRI Group Inc. . . . . . . . . . . . . . . . . . . . 305Xactware . . . . . . . . . . . . . . . . . . . . . . . . 307Xpera Risk Mitigation & Investigation 918YorkStreet Dispute Resolution
Group Inc. . . . . . . . . . . . . . . . . . . . . . 706
STREET
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CLAIMS 2016
What do your clients need?The means to move on. Guaranteed ™.Baxter Structures customizes personal injury settlements into tax-free annuities that can help your clients be secure for life.
Need more information?
Contact us at 1 800 387 1686
or baxterstructures.com
Kyla A. Baxter, CSSC PRESIDENT, BAXTER STRUCTURES
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ECOPURE CLEANERSBOOTH 4091788 Drew Road., Unit 11Mississauga, ON L5S 1L7Contact: Hoa LaPhone: (905) 673-7873E-mail: [email protected] restoration services for fire/smoke/water damaged garments/items. Our technology and toxin-free process utilize the most effective,advanced cleaning techniques. We havecapacity to facilitate all claim sizes.
EFI GLOBALBOOTH 90067 Frid St., Unit 5Hamilton, ON L8P 4M3Contact: Michael ButlerPhone: (905) 524-1523E-mail: [email protected] Global has a team of highly skilledforensic engineers, fire investigators, CATresponse team, and environmental scientistsand technical consultants available365/24/7 at a 24 hour line 1-866-530-4086in North America.
ENTERPRISE RENT-A-CARBOOTH 1006709 Milner AveScarborough, ON M1N 6B6Contact: Alex OrlottiPhone: (416) 208-2870E-mail: [email protected] Rent-A-Car: “The InsuranceReplacement Specialists.” All stores arecorporate owned, ensuring consistent procedures and service throughout Canada. “Pick Enterprise. We’ll pick you up.”
ESM SOLUTIONSBOOTH 1206155 Gordon Baker Rd., Suite 101Toronto, ON M2H 1J8Contact: Robert GarlandPhone: (519) 884-6352E-mail: [email protected] Security Management (ESM)has a vast of emergency trained securityprofessionals to control your fire loss sitesand protect your insurable interests.
CLAIMS 2016
Fire InvestigationsAccident ReconstructionPersonal InjuryEnvironmental Assessments
Structural DesignBuilding ScienceProperty ClaimsMould & Asbestos
1· 800 · 920 · 5854www.caskanette.on.ca
E X P E R I E N C E D · T R U S T E D · P R O M P T
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CLAIMS 2016
Contact us to learnmore about the...MHA Advantage
MHA provides top-quality assessmentservices to insurers, employers and thelegal community.
MHA • 3760, 14th Avenue, Suite 201A • Markham • ON • L3R 3T7Phone: 905-883-0796 • Toll Free: 1-844-883-0796 • Fax: 905-883-5197
[email protected] • www.makoshealth.com
Consistently Exceeding Your Expectations
IME Services� File Consultations (on/o= site)� Bill Review/Cross Border Claims� Medico-Legal Assessments� Catastrophic Assessments� Paper Reviews� Direct Assessments
MHA conducts assessments throughout theGreater Toronto area, Ontario, and nationwide.
®
G I F F I N KO E R T H F O R E N S I C E N G I N E E R I N G
S M A R T F O R E N S I C S
How you look at it mattersHere’s our view on what makes a preferred partner.
gi�nkoerth.com
If you see it the way we do, give Chris Gi�n a call
at 416.368.1700.
UnshakeableScienceTo win more casesand settle to greateradvantage, do theforensics �rst.
ClearCommunicationsYour case is notcompelling unlessit’s clear – and thetelling holds upunder �re.
CollaborativeWork StyleToday’s cases aresimply too involvedfor people to workon their own.
Vital CulturePeople make adi�erence –especially whenyou make adi�erence for them.
360° ServicesThe real world iscomplex. Forensic�les mirror thatcomplexity. Soshould forensicservices.
There’s more to smart forensics than superb science and a knack for solving puzzles.
Gi�n Koerth is located in downtown Toronto at40 University Ave., Suite 800, M5J 1T1
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ESSENTIALLY YOU INC. BOOTH 10082275 Upper Middle Rd E. Ste 101Oakville, ON L6H 0C3Contact: Maxine Fyffe-RobertsPhone: (905) 491-6845E-mail: [email protected] specialize in providing PSW/Attendantcare support to individuals and families.Highly experience in working with clientsliving with brain injuries, spinal cord andorthopaedic injuries.
EXACTA INTERPRETING INC.BOOTH 92119 Centre Street WestRichmond Hill, ON L4S 3P3Contact: Nika MadahianPhone: (416) 222-4622E-mail: [email protected] Interpreting is a single source serviceprovider for interpreting, transportation,chaperone, translation and interpreting byphone services across Canada.We are ISO 9001:2008 certified.
FIRST GENERAL CANADABOOTH 403130 King St. W. Suite 1800,Toronto, ON M5X 1E3Contact: Michelle TurnerPhone: (807) 623-1276E-mail: [email protected] General is a national network ofexperienced commercial and residentialproperty damage restoration contractors.We offer prompt emergency service 24/7with thorough assessments and estimatesfor the resulting damage. For a list ofoffices, please call 1 877 888-9111 or visit www.firstgeneral.ca
FOCUS ASSESSMENTS INC.BOOTH 1031601 River Rd., E, Unit #10Kitchener, ON N2A 3Y4Contact: Maureen ReathPhone: (416) 451-0566E-mail: [email protected] provide a complete range ofIndependent Medical Evaluations, utilizing a multi-disciplinary approach,FCEs, Vocational Evaluations, Job-Siteand Home-Site Analyses, throughoutOntario.
FRSTEAM CANADABOOTH 3095 Dohme AvenueToronto, ON M4B 1Y7Contact: Chris SkoutakisPhone: (416) 435-6689E-mail: [email protected] restoration experts who specializein restoring clothing and textiles damaged by smoke, fire, water and mold.FRSTeam The 1st Name in FabricRestoration™.
GHD LIMITEDBOOTH 304651 Colby DriveWaterloo, ON N2V 1C2Contact: Dan MurrayPhone: (519) 884-0510E-mail: [email protected] (formerly Conestoga-Rovers &Associates) is an environmental engineer-ing company that provides specializedinsurance support services including emer-gency spill response and management;environmental remediation; and litigationsupport/expert testimony. CRA has workedon some of the largest spill and remediationprojects in North America.
GIFFIN KOERTHBOOTH 20140 University Avenue, Suite 800Toronto, ON M5J 1T1Contact: Alexandra JonesPhone: (416) 368-1700E-mail: [email protected] Koerth is one of the largest andmost respected forensic services firms inCanada; recognized for quality of workand strength of relationships.
GILBERTSON DAVIS LLPBOOTH 6016 Adelaide Street East, Suite 800Toronto, ON M5C 1H6Contact: John L. DavisPhone: (416) 979-2020E-mail: [email protected] & Litigation Counsel: Personal& Commercial Lines-MVA, Ab, GeneralCasualty, Coverage & Bad Faith,Property, Boiler & Machinery, ProductsLiability, Adjusters’ E&O.,Environmental / Large Loss / SpecialRisks .
CLAIMS 2016
GROUND FORCEENVRIONMENTAL INC.BOOTH 120975 Ardelt Place,Kitchener,ON N2C 2C8Contact: Donald PerryPhone: (519) 664-0767E-mail: [email protected] complete environmental claim contrac-tor: Spill Response. Soil and GroundwaterRemediation, Excavating, Trucking,Demolition, Concrete Works, Expert WaterTreatment Technologies. Fully insured andlicensed.
GUSBOOTH 13043601 Highway 7 East, Ste 400 Markham, ON L3R 0M3Contact: Steven ChinPhone: (705) 718-2549E-mail: [email protected] Group is a national franchiseorganization and leading provider of fire and water damage clean up andreconstruction services for residentialand commercial policyholders.
H&A FORENSIC ACCOUNTING INC.BOOTH 3062680 Matheson Blvd. East, Suite 204Mississauga, ON L4W 0A5Contact: Kim HryckoPhone: (416) 233-5577E-mail: [email protected] Ontario’s leading specialist in insuranceclaims quantification, H&A ForensicAccounting Inc. is dedicated to assistingtheir clients to equitably resolve complexaccident benefits, tort and commercial loss claims.
HAZMASTERSBOOTH 901651 Harwood Ave North, Unit 4 Ajax , ON L1Z 0K4Contact: Matt NicholsPhone: (905) 427-0220E-mail: [email protected] provides equipment and training to the restoration and consultingindustry. Providing safety solutions since1989. Twelve branches across Canada.
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Accidents, ailures, atastrophes… et the acts traight!
CEP
FIRE AND EXPLOSION | STRUCTURAL AND CIVIL ENGINEERING CHEMISTRY | METALLURGY AND MATERIALS ENGINEERING ELECTRICAL ENGINEERING | MECHANICAL ENGINEERING ENVIRONMENTAL SCIENCES | COLLISION RECONSTRUCTION
expcep.com
FORENSIC ENGINEERINGMEETING THE HIGHESTCANADIAN INDUSTRY STANDARDS
55
HEALTH RECOVERY GROUPBOOTH 6022155 Leanne Blvd., Unit 118Mississauga, ON L5K 2K8Contact: Stacey McGuirkPhone: (905) 855-1807 Ext 24E-mail: smcguirk@
healthrecoverygroup.comOur team has specialized in interdisciplinaryassessments and rehabilitation of chronic pain and other complex conditions with evidence-based medical, physical and psychological interventions since 1980. Affiliated with Mount Sinai Hospital.
HENDERSON STRUCTUREDSETTLEMENTS LPBOOTH 70921 Bold StreetHamilton, ON L8P 1T3Contact: Shelly DhingraPhone: (905) 523-6000E-mail: [email protected] Structured Settlements is alongtime, recognized leader in the structuredsettlement market. The company is fullylicensed and offers a full spectrum of services, free-of-charge.
HOMEWOOD SUITES BYHILTON TACCBOOTH 4065515 Eglinton Ave. WToronto, ON M9C 5K5Contact: Seema CharlesPhone: (416) 646-0117E-mail: [email protected] Suites by Hilton Toronto -Oakville, Mississauga, Cambridge andAirport Corporate CentreHampton by Hilton Toronto AirportCorporate Centre
HUDSON RESTORATION INC.BOOTH 6075035 North Service Rd. #C13Burlington, ON L7L 5V2Contact: Steve HudsonPhone: (905) 634-6855E-mail: [email protected] Hudson (President) and Tony Strkalj(V.P.) of Hudson Restoration Inc. bringover 40 years of combined experience specializing in commercial/industrial/residential and heritage restoration and theexclusive provider of BioSweep Toronto.
HUGHES AMYS LLPBOOTH 80648 Yonge Street, Suite 200 Toronto, ON M5E 1G6Contact: Pat ArbourPhone: (416) 367-1608E-mail: [email protected], Amys LLP is one of the largestspecialty firms in the country and hasassisted insurers in resolving their disputesfor over 90 years.
HVE HEALTHCAREASSESSMENTSBOOTH 205260 Edgeley Blvd, Unit 22Vaughan, ON L4K 3Y4Contact: Brian LeDrewPhone: (905) 264-2020E-mail:[email protected] Healthcare Assessments is a nationalindustry leader and preferred provider ofindependent healthcare assessments. In our22nd year, HVE continues under the sameleadership and attention to client centredservice. www.hvehealth.com
IME PLUS EVALUATIONS LTD.BOOTH 5045805 Whittle Road, Suite 6Mississauga, ON L4Z 2J1Contact: Elaine SiddonsPhone: (905) 214-8000E-mail: [email protected] Plus is a leading national provider ofindependent medical examination and reha-bilitation services. We deliver accurate,objective, defensible reports withunmatched reliability and efficiency.
INDEPENDENT REHABILITATIONSERVICES INC.BOOTH 2062155 Leanne Blvd., Suite 240Mississauga, ON L5K 2K8Contact: Kerri DankelPhone: (289) 400-0781E-mail: [email protected] has been providing private disabilitymanagement services since 1997. We are afull service rehabilitation and independentmedical examination vendor with nationalcoverage.
CLAIMS 2016
INPRO CLAIMS SERVICESBOOTH 110610 Milner Business Court, 3rd floorToronto, ON M1B 3C6Contact: Alex BrownPhone: (647) 777-8412E-mail: [email protected] is a Canada wide contents inventoryand valuation company. Our experts giveyou the confidence to settle a claim quicklyby doing the research required to ensureaccurate pricing and a positive claims experiences.
INSIGNIA FORENSIC GROUP INC.BOOTH 902701 Evans Ave., Suite 502Toronto, ON M9C 1A3Contact: John-Paul StraslerPhone: (416) 626-9688E-mail: [email protected] 10 years of providing expertloss quantification services to the insuranceindustry. Insignia’s experienced account-ants are committed to providing prompt,professional service in a cost-effectivemanner.
INSURANCE BUREAU OFCANADABOOTH 1000777 Bay Street, Suite 2400Toronto, ON M5G 2C8Contact: Tamara StollPhone: (416) 362-2031E-mail: [email protected] Bureau of Canada is the nationalindustry association representing Canada’sprivate home, car and business insurers. Its member companies represent nearly95% of the property and casualty (P&C) insurance market in Canada.
INSURANCE INSTITUTE OFONTARIOBOOTH 40018 King Street East, 6th FloorToronto, ON M5C 1C4Contact: Michelle SeddonPhone: (416) 362-8586 Ext 2321E-mail: [email protected] Insurance Institute is the premiersource of professional development for thep&c insurance industry. Its primary focus is to directly engage individuals in events,courses and seminars. It offers the CIP andFCIP designation programs.
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Spill Response
Site Remediation
General Contracting
Any spill, anywhere,anytime!• 24 / 7 – 365 days a year response.• Excavating services, haulage, disposal,
demolition, restoration and clean up.• Above and below ground fuel tank removal.• Licensed by the MOE and TSSA.
Spill Response
Site Remediation
General Contracting
Toll Free: 855-378-3015Fax: 888.245.5220
Email: [email protected]
57
THE INTERPRETERS’ GROUP INC. BOOTH 5034946 Dundas St W. Ste 200Toronto, ON M9A 1B7Contact: Jon FischteinPhone: (416) 233-8280E-mail: jfischtein@
theinterpretersgroup.comTops in Canada for interpreting, translation,CHAPERONE & transport needs. With4000+ language experts. Official providerof MAG approved interpreters for Ontarioand Federal court!
INTREPID INVESTIGATIONSINC.BOOTH 9158 Director Ct., Ste 201 Vaughan,ON L4L 3Z5Contact: Tim BoodramPhone: (416) 543-0558E-mail: [email protected] Investigation Inc. Servicing yourinvestigative needs nationwide. ISO 9001Certified *25 years in service.
INVESTIGATIVE RESEARCHGROUPBOOTH 30049 Truman Rd.,Ste102, Barrie,ON L4N 8Y7Contact: Frank PascoePhone: (416) 676-1471E-mail: [email protected] provides a full range of professionalsurveillance and inquiry services to assistinsurers in making informed decisionsregarding insurance claims. Please call 1 800 721 7393.
ISB CANADABOOTH 2008160 Parkhill Dr., Milton, ON L9T 5V7Contact: Wendy PattonPhone: (905) 875-2921E-mail: [email protected] Canada is Canada’s largest “one stopshop” supplier of source documents. Fullcomplementary source document trainingallows adjusters to better detect fraud andverify facts. ISB-U Education Series eventskeep the industry informed on trends in the industry.
ITECH ENVIRONMENTALSERVICESBOOTH 110373 Sinclair BoulevardBrantford, ON N3S 7X6Contact: Rob SymonsPhone: (519) 770-4402E-mail: [email protected] Ontario with dangerous goods andspill response, site remediation, asbestosabatement, vacuum truck services, demoli-tion, electronics restoration and more.
JENISH FORENSICENGINEERINGBOOTH 100974 Park Road SouthOshawa, ON L1J 4G9Contact: Gordon JenishPhone: (905) 404-9285E-mail: [email protected] provide engineering services to thelegal and insurance professions, in the areasof accident reconstruction, event datarecorders, injury analysis, and slip and falls.
KAREN RUCAS ANDASSOCIATES INC.BOOTH 4082040 Sheppard Ave E. Ste 203Toronto, ON M2J 5B3Contact: Karen RucasPhone: (905) 771-9153E-mail: [email protected] are a multidisciplinary independentassessment centre which provides the fullspectrum of services which include: medical,psychological, vocational, occupational therapy and future care cost analysis.
KG SERVICESBOOTH 911PO Box 5001Brantford, ON N3T 6J7Contact: Kristofer GaalPhone: 855-378-3015E-mail: [email protected] Services is a full service spill responseand site remediation contractor servicingOntario 24/7 - 365. Our reputation forexcellent service and competitive pricingmakes us the top pick in the environmentalindustry.
KING TRANSIT MVA SERVICES LTD.BOOTH 93731 McMillan Ave. Toronto, ON M1E 4B4Contact: Kevin RichardsonPhone: (416) 208-5800E-mail: [email protected] Transit is the leader in upscale door-to-door insurance transportation services.Safe, reliable, cost-efficient transportationis guaranteed by Kevin Richardson. Please visit at www.kingtransit.com
KODSI ENGINEERING INC.BOOTH 1203225 Traders Blvd., Unit 1Mississauga, ON L4Z 3L8Contact: Sam KodsiPhone:(416) 977-0009E-mail: [email protected] can be complex. Our team hasrefined expertise in Forensic, Automotive,Transportation and BiomechanicalEngineering to provide accurate guidancein Accident Reconstruction.
CLAIMS 2016
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CLAIMS 2016
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LARREK INVESTIGATIONSBOOTH 9291 Blue Springs Dr., Ste 300Waterloo, ON N2J 4M1Contact: John RossPhone: (519) 576-3010E-mail: [email protected] Investigations is an investigativefirm providing solutions to businessessince 1980. Clients include insurance companies, corporations and law firms. We conduct investigations across Canadaand internationally.
MAKOS HEALTH ASSOCIATESBOOTH 9033760 14th Ave., Ste 201AMarkham, ON L3R 3T7Contact: Dana McGeePhone: (905) 883-0796E-mail: [email protected] Health Associates (MHA) is com-prised of highly skilled and experiencedhealthcare professionals providing a widerange of top-quality assessment services to insurers, employers and the legal community since 1994.
MARRIOTT INTERNATIONALBOOTH 11022425 Matheson Blvd. E., Ste 100Mississauga, ON L4W 5K4Contact: Marriott Global SalesPhone: 1.800.831.5545 Ext:2295113E-mail: [email protected]
MASTERCLEAN CONTRACTINGBOOTH 9341215 Kerrisdale Blvd.Newmarket, ON L3Y 8W1Contact: Laurel DiMasoPhone: (905) 841-8000E-mail: [email protected] has become a leader in theproperty loss mitigation & restoration construction industry. Since 1971,Masterclean has provided services to theGreater Toronto Area from Oakville toOshawa and north to Midland.
MCCAGUE BORLACK LLPBOOTH 101130 King St., West, Suite 2700Toronto, ON M5X 1C7Contact: Deborah RobinsonPhone: (416) 860-8392E-mail: [email protected] Borlack LLP is one of Ontario’sleading litigation law firms. As an affiliateof Canadian Litigation Counsel, the firmalso provides access to legal excellenceacross Canada.
McKELLAR STRUCTURED SETTLEMENTSBOOTH 1003649 Scottsdale Dr., Suite 100Guelph, ON N1G 4T7Contact: Joanne DriscollPhone: 1-800-265-8381E-mail: [email protected]’s leading and largest structured settlement firm, providing resources to the insurance industry and legal professionto assist in the settlement of personal injury claims.
MDD FORENSIC ACCOUNTANTSBOOTH 6004 King St. West, Suite 1010Toronto, ON M5H 1B6Contact: Stephanie BrillantePhone: (416) 366-4968E-mail: [email protected] is an internationally recognizedaccounting firm that specializes in econom-ic damage quantification assessments.With offices worldwide, our professionalsconsistently provide accurate and conciseanalysis of property, liability, accident benefits claims and litigation damages.
MEA FORENSICBOOTH 1107226 Britannia Rd. EastMississauga, ON L4Z 1S6Contact: Craig WilkinsonPhone: (905) 595-5094E-mail: [email protected] are forensic engineers specializing intransportation crashes, injuries, productfailures and property losses for clients inthe insurance and legal communities acrossNorth America.
MINTO FURNISHED SUITESBOOTH 94361 Yorkville AvenueToronto, ON M5R 1B7Contact: Erin EllisPhone: (416) 413-5372E-mail: [email protected] Furnished Suites are full, private living spaces of unparalleled quality, service and value. Welcome to your homeaway from home.
MITCHELL PARTNERSINVESTIGATION SERVICESBOOTH 1104216 Chrislea Rd., Ste 306Vaughan, ON L4L 8S5Contact: Jeff MossPhone: (905) 850-9410E-mail: [email protected], short term and long term disabilityclaims investigations. Organized retailcrime surveillance, undercover operatives, interview/witness statements. Theft - fraudinvestigations, intellectual property investigations.
MKA CANADA INC.BOOTH 1081290 Central pkwy W. Ste 102Mississauga, ON L5C 4R3Contact: Adrienne VeltmanPhone: (289) 521-8662E-mail: [email protected] Canada, Inc., a multidisciplinaryconstruction consulting firm provides cre-ative solutions to the construction, legal andinsurance industries. Our professional teamassists in claim resolution with technicaladvisory services in: Property Loss,Builders Risk & Construction Defect andLiability Claims.
MOST VALUABLE ASSETINTERPRETING &TRANSPORTATION SERVICESBOOTH 7022733 Lakeshore Blvd. W, Suite 114Toronto, ON M8V 1G9Contact: Justin JudaPhone: (416) 233-5649E-mail: [email protected] by the people we serve, first andforemost. Providing high calibre service inInterpreting & Transportation. NSGCIS-AILIA certified.
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OAKWOOD WORLDWIDE -INSURANCE HOUSINGSOLUTIONSBOOTH 12022222 Corinth Ave.Los Angeles, CA 90064Contact: Jennifer SpartinPhone: (416) 444-4610E-mail: [email protected] Housing Solutions™, anOakwood Worldwide® brand, is the pre-mier provider of emergency housing solu-tions for insurance professionals and dis-placed policyholders. For more informationplease visit InsuranceHousingSolutions.comor call 1.800.990.9292.
ORIGIN AND CAUSEBOOTH 401120 Watline Ave., Unit 8Mississauga, ON L4Z 2C1Contact: George CostandiPhone: (647) 393-2846E-mail: [email protected] and cause is the nation’s largest consulting forensic engineering and fireinvestigation firm, with over 25 experts in 9 locations across the country. www.origin-and-cause.com.
PT&C/LWG FORENSICCONSULTINGBOOTH 5004444 Eastgate Parkway, Unit 18Mississauga, ON L4W 4T6Contact: John HicksPhone: (647) 497-8809E-mail: [email protected] Consulting is a global leader in foren-sic engineering & recovery solutions, provid-ing technical consulting following disastersto insurance, legal and risk managementindustries, with offices located across theU.S., Canada, the U.K. and Singapore.
PARIO ENGINEERING &ENVIROMENTAL SERVICESBOOTH 930553 Basaltic Rd., Unit B, Concord, ON L4K 4W8Contact: Shannon GrabillPhone: (780) 930-5317E-mail: [email protected] Engineering & EnvironmentalSciences is Canada’s leading provider offorensic engineering and environemtnalconsultation services for the consumer,commercial and insurance industries.
CLAIMS 2016
NEWTRON GROUPBOOTH 12008 Indell Lane, Brampton, ON L6T 3Y3Contact: Justin McMakinPhone: (905) 460-2938E-mail: [email protected] Group equipment consulting,cleaning and restoration services focused onserving the insurance industry on commer-cial, industrial, manufacturing and residen-tial claims. Reducing losses Canada wide.
NORTH YORK REHABILITATIONCENTRE CORPBOOTH 7082040 Sheppard Ave. E., Suite 202Willowdale, ON M2J 5B3Contact: Roba Bou-YounesPhone: (416) 497-4477E-mail: [email protected]: Insurer’s Examinations includingassessing acquired brain injuries of allseverities, catastrophic determination, atten-dant care needs (including the geriatric and paediatric population), FAE’s,Med/Rehab, Disability and Post 104.Comprehensive Case Management services available.
NORTHWOOD & ASSOCIATESINC.BOOTH 60850 McIntosh Drive, Suite 207Markham, ON L3R 9T3Contact: Mark NorthwoodPhone: (416) 444-4610E-mail: [email protected] & Associates Inc. is a leadinginvestigative company in Canada, providinga comprehensive portfolio of global inves-tigative services. Proven innovative method-ologies utilizing Casetrak software, programmanagement and accountability systems.
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PAUL DAVISBOOTH 110838 Crockford Blvd.Toronto, ON M1R 3C2Contact: Samantha CooperPhone: (416) 299-8890E-mail: [email protected] Davis is one of North America’slargest full-service emergency mitigation,restoration and reconstruction companies,handling thousands of projects for insur-ance and commercial clients annually.
PAUL’S RESTORATIONSBOOTH 12011640 Upper Ottawa StreetHamilton, ON L8W 3P2Contact: Mark SebastianattiPhone: (905) 388-7285E-mail: mark.sebastianatti@
paulsrestorations.comPaul’s Restorations is a Canadian networkof independent and corporately owned locations serving the insurance industry and its insureds in all disaster related circumstances. Located throughout Ontario.
PCA ADJUSTERS LIMITEDBOOTH 7002725 Queensview Drive, Suite 100Ottawa, ON K2B 0A1Contact: David CernakPhone: (613) 726-9556E-mail: [email protected] Adjusters specialize in all lines ofclaims handling. Our three offices in Ottawa,Kingston and Belleville, serve Ontariofrom Cobourg to all points east.
PINCHIN LTD.BOOTH 6042470 Milltower CourtMississauga, ON L5N 7W5Contact: José BarinquePhone: (905) 363-1295E-mail: [email protected], Consulting, ProjectManagement & Training:IAQ / Microbial Contamination, BuildingScience, HazMat, Laboratory Services,Environmental Assessment &Transactional Due Diligence, OH&S.Climate Change, Air & Noise.
POLYGON RESTORATION INC.BOOTH 927230 Admiral BlvdMississauga, ON L5T 2N6Contact: Maurizio ScatozzaTel.: (905) 858-5894E-mail: maurizio.scatozza
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PREMIERE SUITESBOOTH 1204331 Cityview Blvd, Suite 202 Vaughan, ON L4H 3M3Contact: Linda ChieffalloPhone: (416) 840-9076E-mail: [email protected] Suites is Canada’s most trustedand recognized provider of temporary residences with over 1,200 properties in 38 city centres from coast to coast.
PRICEWATERHOUSECOOPERSLLPBOOTH 80718 York St., Suite 2600Toronto, ON M5J 0B2Contact: Zainab WaljiPhone: (416) 815-5099E-mail: [email protected] provide creative and cost-effectiveinvestigative and claims services (includingaccident benefits, personal injury, commer-cial losses), relying on our depth of experience and dedicated professionals.
PUROCLEAN CANADAPROPERTY RESTORATIONBOOTH 120790 Allstate Pkwy., Ste 403Markham, ON L3R 6H3Contact: John TaglePhone: (905) 477-7876E-mail: [email protected] helps people overcome devastat-ing setbacks caused by water, fire, mouldand other conditions resulting in propertydamage. We do whatever it takes torespond, rescue and repair properties.
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R.J. BURNSIDE & ASSOCIATESLIMITEDBOOTH 936292 Speedvale Ave W., Unit 20Guelph, ON N1H 1C4Contact: Carl LankinenPhone: (519) 823-4995E-mail: [email protected] is an engineering and sciencebased consulting firm. We deliver structuraland building engineering services to theinsurance sector through 9 offices inOntario.
R.J. SHIRER & ASSOCIATES INC.BOOTH 10052601 Matheson Blvd. East, Unit 31Mississauga, ON L4W 5A8Contact: Bob ShirerPhone: (416) 460-4605E-mail: [email protected] Engineers providing technicalinvestigation services and supporting opinion evidence to the insurance industryin Fire Investigation, AccidentReconstruction, Residential andCommercial Property Losses, etc.
RAINBOW INTERNATIONALBOOTH 12081010 N. University Parks Dr.Waco, TX 76707Contact: Bruce VogtPhone: (757) 344-8554E-mail: [email protected] Intl a national restoration company. Recognized for its superior customer service, using the best technologyto reduce loss severity and improved customer experience.
RAPID CITY TRANSPORTATIONBOOTH 9321550 Bayly St., Unit 45Pickering, ON L1W 3W1Contact: Donna FabbroPhone: (416) 266-1500E-mail: donna.fabbro
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RELECTRONIC-REMECH INC.BOOTH 1001785 Bridge St. West, Units 3 & 4Waterloo, ON N2V 2K1Contact: Jay SutherlandPhone: (519) 884-8665E-mail: [email protected] large loss consulting firm, we focus onall major electronic and mechanical losses.Our staff will assess all equipment andprovide excellent reports. We have a division for restaurant losses, a homeappliance recovery service and a datarecovery program. We will also completethe actual recovery portion of any claim.We are celebrating our 23nd year servicingyour industry.
ROAD CANADABOOTH 11092445 Eagle St. N.Cambridge, ON N3H 4R7Contact: Lisa DavisPhone: (647) 537-8350E-mail: [email protected] Canada is the Canadian subsidiary ofthe MAPFRE Group providing expertise andsaving to the insurance sector through ourroadside services and recovery program.
SAFETECH ENVIRONMENTALLIMITEDBOOTH 6033045 Southcreek Rd., Unit 14Mississauga, ON L4X 2X7Contact: Romeo MilanoPhone: (905) 624-2722E-mail: [email protected] consulting experts – assessmould and water damage, leaking oil tanks,fires; supervise contractor drying and reme-diation activity; perform pre- and post-abatement sampling.
SERVICEMASTER RESTOREBOOTH 705 & 7075462 Timberlea Boulevard, Mississauga, ON L4W 2T7Contact: Laura SchickPhone: (905) 670-0000E-mail: [email protected] of Canada Ltd. CompleteDisaster Restoration services across Canada.Local response. National Resources.
CLAIMS 2016
READ JONESCHRISTOFFERSEN LTD.BOOTH 606144 Front St W., Ste 500Toronto, ON M5J 2L7Contact: Derek GibsonPhone: (416) 977-5335E-mail: [email protected] Jones Christoffersen Ltd. is a 68-year-old engineering firm practicing struc-tural engineering, building science andstructural restoration, as well as forensivengineering pertaining to property claims.
RECLAIM INSURANCEREPLACEMENTBOOTH 20749 Broad StreetLindsay, ON K9V 0B2Contact: Eric ParsonsPhone: (905) 409-7063E-mail: [email protected] your valuables is never easy, butreplacing them can be. ReClaim specializes inmaking the process simple and hassle-free.
REHAB FIRST INC.BOOTH 917474 King StreetLondon, ON N6B 1T1Contact: Charles SpinaPhone: (519) 646-2949E-mail: [email protected] First accepts Auto Insurance assess-ment, treatment referrals under Sections 25and 44 of the SABS, and DisabilityManagement referrals from Health andCasualty insurers. Its salaried multi-discipli-nary professional stall and contractedPhysicians and Psychologists are locatedthroughout Ontario.
REHAB RESULTS INC.BOOTH 3031033 Bay St., Suite 308Toronto, ON M5S 3A5Contact: Hazel WoodPhone: (416) 323-6861E-mail: [email protected] 2000 our medical specialists, psychol-ogists, occupational therapists, physiothera-pists, social workers, life care planners andvocational counsellors have worked withyou and for you.
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SIBLEY & ASSOCIATESBOOTH 7041122 International Blvd. Suite 104Burlington ON L7L 6Z8Contact: Christine HobleyPhone: (905) 633-7800E-mail: [email protected] largest Canadian owned and operateddisability management firm in Canada,with expertise in Catastrophic Injury andMedical Management, OccupationalTherapy, Kinesiology Services andVocational Rehabilitation. ISO 9001:2000 Registered.
SIMAC MEDICAL ASSESSMENTSBOOTH 1079140 Leslie Street, Unit 212Richmond Hill, ON L4B 0A9Contact: Tracy WinlawPhone: (905) 709-3999E-mail: [email protected] is a full-service IME with a rosterof 500 medical professionals (every specialty) - dedicated to defensible, accurate and timely reporting.
SJ KERNAGHAN ADJUSTERS LTD.BOOTH 502310 Queen Street North, Ste 202Toronto, ON M9C 5K4Contact: John HallPhone: (416) 251-2311E-mail: [email protected] team provides professional IndependentAdjusting, TPA, and Risk ManagementServices across Canada. Kernaghan Adjusters Doing What Is Right1.800.387.5677 www.kernaghan.com
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SOMA MEDICAL ASSESSMENTS CORPBOOTH 9127368 Yonge St., Suite 206Thornhill, ON L4J 8H9Contact: Mark WiglePhone: (905) 881-8855E-mail: [email protected] provider of IME and related services for Accident Benefits, BodilyInjury, Medical-Legal, Life & Disability,and Employer clients. Specializing inCatastrophic Impairment Assessments.
SPECS LTD.BOOTH 2085420 Mainway Dr. 2ABurlington, ON L7L 6A4Contact: Lucy RailtonPhone: (905) 332-7053E-mail: [email protected] is a team of qualified appraisersworking together with leading edge technology that allows us to show insurersthe true market value of a property.
SPEECH PROCESSINGSOLUTIONSBOOTH 703140 Allstate Pkwy. Ste 301Markham, ON L3R 5Y8Contact: Philippe AudetPhone: (647) 689-2781E-mail: [email protected], the Philips SpeechLivecloud makes it’s that simple. That’s whySpeech Processing Solutions is number onein professional dictation solutions aroundthe world.
ST. JOHN’S REHAB PROGRAM -SUNNYBROOK HOSPITALBOOTH 933285 Cummer Ave.,Toronto, ON M2M 2G1Contact: Jessica SteedmanPhone: (416) 226-6780 Ext.7337E-mail: [email protected] program is an interdisciplinary rehabilitation program offering specializedassessment and treatment services forclients with trauma, burns, amputations and complex orthopaedic injuries.
STANTEC CONSULTING LTD.BOOTH 91670 Southgate Dr. Ste 1Guelph, ON N1G 4P5Contact: Lori FestariniPhone: (519) 780-8195E-mail: [email protected] is a national service leader delivering residential, commercial andindustrial pollution liability claims resolution. We make it our business tounderstand your business.
STRONEBOOTH 8002717 Coventry Rd, Oakville, ON L6H 5V9Contact: Rob SymonsPhone: (905) 829-5707E-mail: [email protected] – Your Complete EmergencySolution – provides in-house emergencyresponse, restoration and remediation services to insurance and facility manage-ment industries along with commercial and municipal entities.
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CLAIMS 2016
TIAS (TOOL INVENTORY &APPRAISAL)BOOTH 9195350 9th Line EssaCookstown, ON L0L 1L0Contact: Tony AuchinclossPhone: (866) 872-2259E-mail: [email protected] are the Commercial/Residential lostcontent appraisal specialists. With 25 years’experience providing detailed loss/appraisalreports assisting Insurance Adjusters acrossCanada with claims.
TRI-STAR DISASTERRECOVERY INC.BOOTH 4051700 Brampton St. Hamilton, ON L8H 3S1Contact: Konstantino ZaraliakosPhone: (855) 389-8899E-mail: [email protected] services include water, fire and winddamage restoration, structural drying andmuch more. One hour response time! Ourdry vs. replace technology saves thousands!
VIKTORIA PROFESSIONALMOVERSBOOTH 90824 The East Mall Unit 13Etobicoke, ON M8W 4W5Contact: Ray OngjocoPhone: (647) 344-1554E-mail: [email protected] mission is simple; provide transparentpricing, punctual service, and expert staff,while delivering one of the best quality ofservice in the industry.
VISTA CORPORATE HOUSINGBOOTH 938500 King St W., Ste 334Toronto, ON M5V 1L9Contact: Anne BennettPhone: (437) 836-3544E-mail: [email protected] Corporate Housing, upscale furnishedapartments at a great price, with flexible terms.
WALTERS FORENSIC ENGINEERING INC.BOOTH 801277 Wellington Street West, Suite 800Toronto, ON M5V 3E4Contact: Rachel YoungPhone: (416) 971-8900 Ext 215E-mail: [email protected] over 30 years experience, our excep-tional experts provide unmatched, credible,cost-effective engineering expertise to the P & C adjuster.
WEST PARK ASSESSMENTCENTREBOOTH 11082 Buttonwood Ave., R-2Toronto, ON M6M 2J5Contact: Shellee Van der VinnePhone: (647) 204-2451E-mail:shellee.vandervinne@
westpark.orgWe provide quality independent medical,functional, vocational and allied healthassessments and deliver comprehensivedefensible reports. Experienced staff dedicated to providing superior customerservice. Highly qualified and credentialedroster of assessors. We’ve chosen ourexperts wisely... have you?
WHITEHALL BUREAU OFCANADA LTD.BOOTH 1007944 South Service Rd.,Hamilton, ON L8E 6A2Contact: Martin JaekelPhone: (905) 643-3233E-mail: [email protected] are Canada’s National InvestigativeResource with offices from Vancouver tothe Maritimes. Our services include surveillance, backgrounds, locates, statements, scene analysis & more. www.whitehallcanada.com
WILLIAMS & PARTNERS FORENSIC ACCOUNTANTS INC.BOOTH 1101675 Cochrane Dr, East Tower, Suite 505Markham, ON L3R 0B8Contact: Jackie PincentePhone: (416) 969-8166 Ext 235E-mail: [email protected] of Canada’s leading forensic and investigative accounting firms, specializingin insurance claims, business interruption losses, accident benefits, tort claims, litigation support and educational seminars.
WINMAR BOOTH 904 & 906175 Stronach Cres.,London, ON N5V 3G5Contact: Debby MatzPhone: (905) 330-6653E-mail: [email protected] is a full service property restora-tion company with over 90 offices acrossCanada. Visit www.winmar.ca. “We always come through for you”.
WRI - WELLPOINTBOOTH 305601 Rowntree Dairy Rd. Woodbridge, ON L4L 5T8Contact: Jon PagonisPhone: (905) 851-9391E-mail: [email protected] power of knowledge & experience -established in 1992, WRI Group has beenyour trusted source for a vast array of integrated & diversified rehabilitation services, providing quality customer care & assures that every case is managed efficiently from beginning to end.
XACTWAREBOOTH 3071100 W Traverse ParkwayLehi, UT 84043Contact: Joel DagenaisPhone: 800-932-9228E-mail: [email protected] provides the industry-leading toolsCanadian claims professionals use to navigatethe challenging, demanding task of handlingclaims, large or small. Learn more at Xactware.com.
XPERA RISK MITIGATION &INVESTIGATION BOOTH 918155 Gordon Baker Rd., Suite 101Toronto, ON M2H 3N5Contact: Paul McParlanPhone: (416) 449-8677E-mail: [email protected] is Canada’s premier national providerof Risk Mitigation and Investigation. Xperaprovides innovative solutions that reducerisk, minimize loss and increase humansafety.
YORKSTREET DISPUTE RESOLUTION GROUP INC.BOOTH 706130 Adelaide St. W., Suite 701Toronto, ON M5H 2K4Contact: Paul Iacono, Q.C.Phone: (416) 866-2400E-mail: [email protected] are a panel of experienced professionalswho are trained and recognized as leadingmediators and arbitrators. We specialize indisputes unique to the insurance industry.We now offer ADR training. Web:www.yorkstreet.ca.
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What is Reasonable Driving?Driver Negligence after
Fordham v. Dutton-DunwichBy Jonathan de Vries, Partner at Shillingtons LLP, London
“No one can seriously question that drivers who ignore important traffic signals, such as stop signs,
are not driving with reasonable care” It might seem odd that it was even necessary for the Court of Appeal for Ontario to make
such a pronouncement.
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Yet in the recent decision ofFordham v. Dutton-Dunwich,1 theCourt was called upon to decidewhether a trial judge had erred infinding that a 16 year old driver whodrove through a clearly visible stopsign at the intersection of two ruralgravel roads at night and at 80 kphwas not negligent. The trial judgeheld that driving in this manner wasreasonable, at least for “rural driv-ers”, and therefore the municipaldefendant was liable for failing toprovide additional warnings of aslight offset in the road as it crossedthe intersection, an offset the plain-tiff failed to navigate, resulting in acollision with a bridge abutment.
To the immense relief of munici-pal i t ies and their insurers, theCourt of Appeal overturned thetr ia l decis ion in Fordham . YetFordham is more than a municipalliability case. It is also an episode ina debate that has been brewing forsome time over how to assess legalresponsibility arising from motorvehicle accidents.
The question for the Court ofAppeal in Fordham was the scope ofdriving behaviour a municipal roadsystem needs to accommodate. Inprinciple, this has been establishedfor some time: a municipality has aduty to prevent or remedy conditionson its roads that create “an unrea-sonable risk of harm for ordinarydrivers exercising reasonable care”.This reasonable standard of driving isthe same standard of care every
This reasonable standard of driving is the same standard of care every motorist is held to, whether thecase involves municipalities, pedestrians, bicyclists or other motor vehicles. Yet how do we define a
“reasonable” driver?
motorist is held to, whether the caseinvolves municipalities, pedestrians,bicyclists or other motor vehicles. Yethow do we define a “reasonable”driver? Clearly reasonableness is notsome kind of perfect, idealized stan-dard that no individual could everhope to live up to. Thus, we havedecisions like Deering v. Scogog,where it was held that reasonabledrivers encompass “those of averagerange of driving ability – not simplythe perfect, the prescient, or the
especially perceptive driver, or onewith exceptionally fast reflexes, butthe ordinary driver who is of averageintelligence, pays attention, usescaution when conditions warrant,but is human and sometimes makesmistakes”2
Historically, reasonable driving wasassessed by juries and judges basedon common sense, human experi-ence and popular morality, with ref-erence made to the traffic laws. Yetrecent decisions demonstrate that
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courts are increasingly relying onopinion evidence from experts in thefield of human factors when itcomes to determining what reason-able behavior is. Human factors canbe loosely defined as the study of“the interrelationship betweenhuman behavior or capabilities andthe surrounding environment”.3 Fordecades human factors science hasbeen incorporated into a variety offields, but its overwhelming role inthe field of motor vehicle and roadsafety had prompted a debate thatwas a subtext in Fordham.
The plaintiff in Fordham arguedthat while driving through a stopsign was illegal, road design stan-dards called for steps to be taken(particularly the placement of signs)to either accommodate or preventthis from occurring in certain circum-stances. At trial, the plaintiff led lay
than window dressing, our system oftraining, licensing and discipliningdrivers has remained relativelyunchanged for a considerable periodof time. Moreover, there are somestark limitations on what can actuallybe done: on a biological level, operat-ing a motor vehicle, particularly at ahigh rate of speed or for an extendedperiod of time, is simply not an activi-ty that the human body is designedto do. Indeed, when it comes tomotor vehicle safety, human factorsseems to compete with economicsfor the title of the “dismal science”,at least in its view of the propensityof individuals to engage in negligent,reckless or dangerous conduct, notbecause they have some form of col-lective death wish, but simplybecause they are human beings withhuman flaws. Since changing drivingbehaviour is difficult, the task of
evidence that driving through stopsigns was common in the particularrural area. He also led expert engi-neering and human factors evi-dence, the general theme of whichwas that roads should be designedfor the worst drivers on the roadsand, at the very least, needed to bedesigned for “more than just thereasonable driver who’s sober, wear-ing a seatbelt and obeying all thetraffic laws”.
At first glance, one might dismisssuch claims as nothing more thanlegal advocacy, yet this evidence actu-ally reflects the way in which modernroad design philosophy is informedby human factors science. The role ofdriving error in the overwhelmingmajority of motor vehicle accidents iswell known, yet very little has beendone in response. Aside from somemeasures that are likely little better
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removing or reducing the risks ofdriving has fallen to other fields.Indeed, most of the major advancesin road safety in the last 40 yearshave resulted from changes in roaddesign or vehicle design. Today, pre-vailing road design philosophies sub-scribe to the view that since humanerror in driving is inevitable it must beaccommodated by the systems driv-ers interact with (vehicles, roads,signs, etc.). Put simply: in every situa-tion a driver might fail the systemcannot.4
For the last several years, lawsuitsagainst municipalities arising fromroad conditions, often driven byhuman factors evidence, haveresulted in what some have seen asincreasingly burdensome decisionsagainst municipalities. It has beenargued that courts are imposing “anunreasonably high level of care bythe municipality – essentially render-ing it almost an insurer of the safetyof its roads, while at the same timeplacing almost no responsibility onnegligent drivers”.5 Factors such assympathy for plaintiffs (often youngdrivers who are statistically over-rep-resented in motor vehicle accidents)and the presence of deep pocketsare often cited to explain this trend.Yet its cause has likely been a moresubtle one: courts had not beenproperly distinguishing the legalprinciples that govern tort liabilityfrom the philosophies of driverbehavior espoused by experts whotestify in civil cases. While a roaddesign philosophy based on accom-modating human error and minimiz-ing injury may be desirable from apublic policy perspective, its com-patibility with the tort system isanother matter. The former isdesigned to prevent motor vehicleaccidents, however caused. The lat-ter seeks to determine fault for thepurpose of apportioning legal
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responsibility as between persons.The improper conflation of theasymmetrical standards of the for-mer (acceptance of human error anda desire for perfect systems) withthe liabilities imposed by the latterhas likely contributed to frustratingdecisions for municipalities. Fordham forced this conflict to
the forefront. The driver’s behavior inFordham was so extreme that it wasdifficult to classify it as reasonabledriving in a general sense, regardlessof what kind of supporting humanfactors evidence was led. The trialjudge attempted to avoid this prob-lem by creating a special subset ofreasonable driving based on a “ruraldriver”, with the implication thatcertain forms of driving could beexcused in particular geographicalareas. Not only did the Court ofAppeal reject this conclusion – theCourt held that there is only onestandard of reasonable driving appli-cable to all motorists – it also reject-ed the idea that human factors sci-ence could dictate the law of reason-able driving: the assumption thatroads must be maintained for “morethan just the reasonable driver” is“not the law of Canada”.
Thus Fordham not only speaks tomunicipal liability, it speaks to thetort liability of drivers more generally.Science may tell us that humans
4 An excellent survey of these issuescan be found in the recently pub-lished: Neil Aronson, No Accident:Eliminating Injury and Death onCanadian Roads (Waterloo:Wilfred Laurier University Press,2014).
5 Jennifer Hunter, “Legal Bend in theRoad: Ontario Court Offers Reliefto Municipalities, Insurers” (March27, 2015) 34:43 The LawyersWeekly 11.
Jonathan de Vries is a Partner atShillingtons LLP inLondon, Ontario,and a PhD candi-date at the Faculty
of Law at Western University. Hispractice areas encompass a widerange of municipal and publicagency liability issues, including roadauthority liability, building code lia-bility, misfeasance claims and eco-nomic torts.
WP
make mistakes, but the law, at leastin extreme cases, will not permit thisto excuse a driver from the conse-quences of his or her negligent con-duct. To be sure, the dividing linebetween negligent and reasonabledriving may not always be clear, andhuman factors science can still havea valid role in assisting a court indetermining what driving behaviormay or may not be legally blame-worthy. Yet the message of Fordhamis clear: the fact that we may aspireto design our roads to accommodatedriver error does not relieve peoplefrom doing what they can to be safedrivers. Just because there are baddrivers out there does not grant onea license to be one.
1 Fordham v. Dutton-Dunwich(Municipality), 2014 ONCA 891.
2 Deering v. Scugog (Township),2010 ONSC 5502 at para. 154.
3 Douglas R. Richmond, “HumanFactors Experts in Personal InjuryLitigation” (1993), 45 Ark. L. Rev.333 at 335.
For the last several years, lawsuits against municipalities arising from road conditions, often driven by human factors evidence, have resulted inwhat some have seen as increasingly burdensome
decisions against municipalities.
Effective Advocacy.Practical Solutions.
Insurance Expertise.
Shillingtons LLP is a leading provider of insurance related legal services to many property and casualtyinsurers across Ontario. Our goal is to provide strong, effective advocacy in the following areas of expertise:
Automobile tort claims • Municipal liability • Statutory accident benefits claims • Property and fire lossCommercial general liability • Occupierʼs liability • Coverage opinions • Fraud/misrepresentation
Inter-insurer disputes, including priority disputes and loss transfer1500-148 Fullarton Street | London, ON N6A 5P3
Tel: 519.645.7330 | Fax: 519.645.6955 | www.shillingtons.ca
January 2016
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Consumer Electronic Claims –Identifying Fact From Fiction
By Keith Green, ClaimControl.
When reviewing an insured’s scheduleof loss, are you able to identify factfrom fiction? How do you determine if the listed items are accurate or someone’s wish list?
When reviewing an insured’s scheduleof loss, are you able to identify factfrom fiction? How do you determineif the listed items are accurate orsomeone’s wish list? The key to mak-ing these determinations begins withthe information & documentationthat you are able to obtain from yourinsured. The more detailed thedescription and documentation youcollect at the beginning of the claim,the less the item(s) can change later inthe process making it easier to makean informed accurate assessment.
Possible SupportingDocumentation- Invoices - Manuals, Warranty Cards or
Original Boxes - Remotes, Cables and a listing of
other remaining components - Computer software (Disc’s and/or
License Key)
Questions to ask about thepurchase if your unable toobtain an original invoice.• Where was it purchased? • When was it purchased?• How much did it cost? • How was it paid? • Where was it located? • Do you have a photo(s)?
Now that you’ve collected theavailable information for themissing items, let’s see whatthis information can tell you?Let’s begin by looking at the sup-porting documents
Invoices – are almost certainly thebest available document to resolve aclaim quickly. An original invoiceshould identify the vendor, modelnumber, date of purchase, pricepaid, method of payment and some-times additional relevant informa-
Keith Green
79
In many cases a reprint of the original invoice is easily obtained from the original retailer.
In this age of computerized invoicing, past sales can typically be accessed by simply entering the
purchaser’s name or phone number.
exact model or at a minimum typi-cally the series and/or range of mod-els. While not as informative as aninvoice, any of these can provideadditional information which willassistance in the identification of theoriginal model.
Remote Controls - A remote con-trol can occasionally be used to iden-tify an exact model but more often arange of models. While a remotecontrol will most likely only allowsyou to narrow down the list of possi-
from a company that issues comput-erized receipts? Does the receipthave an HST or Business number? Ifyou feel uncertain of the validity ofthe supplied receipt you may wantto consider asking the insured toprovide you with their bank state-ment to verify the cash withdrawalfor payment that matches the dateof purchase?
Manual, Warranty Cards orOriginal Boxes – With this informa-tion you can sometimes identify the
January 2016
tion. With a genuine receipt, you’llhave everything you need to obtaina like kind and quality replacementfor that item and you’ll also be ableto apply an accurate depreciation.
What if the insured doesn’t havehis original invoice? In many casesa reprint of the original invoice iseasily obtained from the originalretailer. In this age of computerizedinvoicing, past sales can typically beaccessed by simply entering the pur-chaser’s name or phone number.Many retailers are now also able torecall credit card purchases from thecredit card number, making theretrieval of misplaced or discardedinvoices easier than ever before.Typically the more recent the pur-chase, the easier it should be toobtain a duplicate receipt. For onlinepurchases, substantiation should beeasy as these purchases typicallyneed to be paid by credit card orcredit card based payment systemsand the purchases typically need tobe shipped directly to your insuredshome creating a digital record of thepurchase.
Was it a cash purchase? In thecase of a “cash” receipt for a highvalue item you may want to furtherexamine the invoice to ensure itsauthenticity. Some details to consid-er are: Is the business name andaddress clearly identified. Is the purchaser’s name and address onthe invoice? Does it match theinsured’s? Is it a hand written receipt
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16:59
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WP January 2016
81
ble models it can be one more pieceof the puzzle in your goal to furthersubstantiate the claim.
Other Components – Was every-thing taken? In some cases theremay be associated components,accessories, cables or wiring leftbehind. If this is the case, make a listof take pictures of the remainingequipment. With this list you canoften determine if the claimed itemis consistent with the remainingmodels or wiring. If the stolenitem(s) were purchased at or nearthe same time as the remainingitems you can now identify the ageof the original model from theremaining model(s).
Computer software – All prebuiltcomputers come preloaded with anoperating system and many timesyour insured either has software pre-loaded or will purchase software atthe time of purchase or soon thereafter. The original software orlicense/activation number will beprovided with information on anylegally purchased programs. Doesthe insured still have that softwareor license/activation number? If theydo this can serve two purposes; Oneit can aid in determining theage/technology of the computersince most software programs are
nology claimed even available at thetime it was supposed to have beenpurchased?
Where was it purchased? Did thatvendor ever sell that particular brandor product line? Certain vendors likeApple and Dell also have very goodcustomer records making retrieval ofa duplicate invoice that much easier
How was it paid? Cheque, creditcard or financed purchases are easilyverifiable through account state-ments or cancelled cheques.
Electronics and computers are continually evolving.With this evolution comes the ability to define time by technology. Was the model or technology claimed
even available at the time it was supposed to have been purchased?
January 2016
designated to a particular year(example Office 2011) Two, you canalso possibly save money by notneeding to replace software thatwas not taken.
What questions you ask willreveal in the absence of sup-porting documents.
When was it purchased?Electronics and computers are con-tinually evolving. With this evolutioncomes the ability to define time bytechnology. Was the model or tech-
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WP January 2016
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Where was it located? Would theitem(s) fit where they were supposedto have been? Was there a mount-ing location? Were there a sufficientnumber of outlets or supportingwiring in that location to support theclaimed model(s)?
Now that I have this informa-tion, what’s next?How can you determine when aproduct was released? At what datedid a technology or feature becomeavailable? Do the componentsmatch? Would the peripherals workwith the system being claimed? Onesource of information available toaddress these questions and manymore is the Internet. Another optionis an organization that specializes inconsumer electronic claims such asClaimControl. The ClaimControl pro-prietary database can and will pro-vide you with original productbrochures, year of manufacture orrelease, manufacturer’s suggestedretail price, other a significant num-ber of additional services including“Ask the Expert” email support anda national ‘like kind and quality’replacement quote…all with just theclick of your mouse. But no matterwhat method you use, if you askquestions and secure documenta-tion, you should be able to deter-mine fact from fiction.
Keith Green is the National Director of Sales & Marketing atClaimControl. Mr. Green is a pub-lished author, accomplished speakerand recognized expert with morethan 20 years’ experience in theConsumer Electronics and DigitalTechnology industries. Mr. Green canbe contacted by email: [email protected], phone: 613-233-1508 orvisit www.claimcontrol.ca
WP
January 2016
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OUT
ABOUT Johanna RienzoAND
MDD ThanksgivingDay EventOn November 26, 2015, MDD hostedtheir annual Thanksgiving event atThe Real Sports Bar in Toronto. It was a charity event, as donationswere collected in support of theStarlight Children's Foundation.
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88
OUT
ABOUT Johanna RienzoAND
Hamilton OIAAChristmas PartyOn November 25, 2015, the HamiltonChapter of the OIAA hosted aChristmas Party at Shoeless Joe'sBurlington. OIAA President Catherine Groot wasthe guest of Honour.
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OUT
ABOUT Johanna RienzoAND
London Claims Association Holiday PartyOn November 19, 2015, the London chapter hosted a Holiday Party & CasinoNight at the Best Lamplighter Inn in London. Money was raised for theAlzheimer’s society.
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Please Contact: Shawna GillenTel: (416)596-3060 • Fax: 1-855-453-1063 • E-mail: [email protected]
FORYOURADYOURIN THIS MAGAZINE
Direc tory of Ad justers AdvertisementP.C.A. Adjusters Limited
HEAD OFFICE:
2725 Queensview Drive, Suite 100,
Ottawa, Ontario K2B 0A1
1-613-726-9556 FAX:1-613-726-0000
1-800-722-9556 FAX:1-800-722-7896
Electronic Assignments: [email protected]
Website: www-pca-adj.com
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1-866-544-9771 FAX: 1-613-544-3487
Electronic Assignments: [email protected]
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1-888-962-9556 FAX: 1-613-962-9596
Electronic Assignments: [email protected]
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ProFormance Group InsuranceSolutions Inc.
HEAD OFFICE:
1 Dundas St. West. Suite 2500
Toronto, ON M5G 1Z3
Toll Free: 1-877-539-3111
FAX: 905-420-3118
Email: [email protected]
Website: www.proadjusting.ca
Follow us on Twitter: @proadjust
Claridge Insurance Adjusters Inc.
3124A Penetanguishene Road, RR#1
Barrie, Ontario L4M 4Y8
(705) 797-2095 FAX: (705) 797-2085
E-mail: [email protected]
Website: www.claridgeadjusters.com
GR South & AssociatesInsurance Adjusters Inc.
3 Progress Drive, Unit 11
Orillia, ON L3V 6H1
(705)238-5850 FAX: (705) 238-5854
Toll Free: 1-866-535-5850
Email: [email protected]
Servicing: Simcoe County, Muskoka,
Parry Sound, Haliburton & northern
Durham & Victoria Counties
Georgian Claim Services Inc.
80 Bradford Street, West Wing, Suite 1,
Barrie, Ontario L4N 6S7
(705) 719-5657 FAX: (866) 896-7915
Website: www.georgianclaims.com
E-Mail: [email protected]
Serving all of Ontario
M.H.Welch and Associates Inc.
1099 Kingston Rd., Suite 255
Pickering, Ontario L1V 1B5
(416) 290-0799
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Toll Free: 1-844-837-0799
Website: www.mhwelchandassociates.com
E-mail: [email protected].
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OIAA 2015-2016 Ontario Chapter Executive OfficersGeorgian Bay (Barrie)President: LESLIE GUERETTE Cunningham Lindsey BarrieVice- SHERI TURNERPresident: Doerr Claims Services Inc. BarrieSecretary: LYNN DAWSON The Co-operators BarrieTreasurer: JOE CUMMING The Co-operators BarrieDirectors: BARB BOLDUC RSA Canada Barrie MICHELE MacTAVISH The Co-operators Barrie HELENE TOWSLEY HB Coseco Barrie LINDA THOMPSON G.R. South & Associates OrilliaPast DOROTHY PAUZEPresident: The Co-operators BarrieChapter GREG DOERR, CIPDelegate: Doerr Claims Services Inc.www.oiaagb.com
HamiltonPresident: KELLY TUPLIN, CIP, CRM ClaimsPro MississaugaVice- SCOTT GIBSON, BA, CIP, CFEIPresident: Crawford & Company Canada Inc. HamiltonSecretary: ALYSON HARPER, CIP Bannatyne & Company General Ins. Adjusters Ltd. HamiltonTreasurer: PAUL TILLER, FCIP, FIFAA ClaimsProDirectors: DAVE HLADYSH, CIP State Farm Insurance Burlington KEITH DYSON, BA, CIP State Farm Insurance Burlington JANICE BROOKS, CIP The Regional Municipality of Niagara/Thorold AMBER DOBBIE ClaimsPro HamiltonPast ROB HOLMES, BSc (Hons), CIP, CRMPresident: Crawford & Company Canada Inc. HamiltonChapter RHU SHERRARD, CIPDelegate: ClaimsPro Hamiltonwww.oiaahamilton.com
Thousand IslandsPresident: SIMONE RAYMOND Cuningham Lindsey KingstonVice- BRAD WILSON, BBA, CIPPresident: Cuningham Lindsey KingstonTreasurer: KAREN SMITH, CIP The Co-operators, KingstonSecretary: KERRI AMEY, CIP Crawford & Company Canada Inc KingstonDirectors: TERRY DOHERTY, CFEI Aviva Canada, Kingston STEPHEN MARTIN, CFEI ClaimsPro. Belleville SHARI HAMILTON PCA Adjusters, Belleville Belleville STACEY IRVINE Crawford & Company Canada Inc Belleville BEN BALDWIN, BA CIP PCA Adjusters, BellevillePast SUSANNE LYONS, FCIPPresident: Bay of Quinte PictonChapter SIMONE RAYMONDDelegate: Cuningham Lindsey Kingston
Thunder BayPresident: MARK SULLIVAN Cuningham Lindsey CanadaVice- ALLISA HAINRICHPresident: Wawanesa Mutual Ins. Co.Treasurer: LAURA LALONDE, BA,CIP Wawanesa Mutual Ins. Co.Secretary: AMANDA HENITS, CIP Wawanesa Mutual Ins. Co.Directors: DEBORAH MANNISTO, CIP Wawanesa Mutual Ins. Co. FRANK CASTALDO INTACT Insurance SANDRA FREEMAN INTACT Insurance JASON WHITE Cuningham Lindsey Canada LINDSEY JAWORSKI Wawanesa Mutual Ins. Co.Past DAVID KIRYCHUK, BA,CFEIPresident: Crawford & Company Canada IncChapter DAVID KIRYCHUK, BA,CFEIDelegate: Crawford & Company Canada Inc
WindsorPresident ROB QUEEN Cuningham LindseyVice- CINDY PHILLIPS, BA, CIPPresident: ClaimsProTreasurer: TENA ALLEN State Farm InsuranceSecretary: ISOBEL HUNTER, MA, FCIP ClaimsProDirectors: GREG STEED The Co-operators MELISSA ROBB Crawford AdjustersChapter MIKE HOFFMAN, BA,CIP,CRMDelegate: Allstate Insurancewww.oiaawindsorchapter.ca
NiagaraPresident: KATIE GRAY Portage Mutual Insurance Co. St. CatharinesVice- MICHAEL RAGONA, CIPPresident: Cunningham Lindsey St. CatharinesTreasurer: BOB MCCORD, FCIP, CFEI, CRM Leading Edge Claims Services NiagaraSecretary: CODY HULLEY Portage Mutual Ins. Co. St. CatharinesDirectors: PATTI WASHUTA Cunningham Lindsey St. Catharines CRAIG OZOG, CIP Leading Edge Claims Services NiagaraPast CHAUSSIE LAWSON,FCIP, CRMPresident: Portage Mutual Insurance Co. St. CatharinesChapter JEFF EDGE, CIP, CFEIDelegate: Leading Edge Claims Services Niagarawww.oiaaniagara.com
NorthernPresident: GIOVANNI ROCCA, CIP G. Rocca & Associates Consulting Inc. SudburyVice- BLAIR BOILARD, CIP, CFEIPresident: Algom Insurance Adjusters Elliot LakeSecretary: CAROLYN LOVE, CIP Intact InsuranceTreasurer: PHIL HEINDL, BA(Hons),CIP The Co-operatorsDirectors: MARK BORGOGELLI CIP,CRM,CFEI Aviva Canada Inc. Sudbury BOB CARSCADDEN ClaimsPro Sudbury DAVID MARSHALL Crawford & Company Canada Inc. Sault Ste. MarieChapter BLAIR BOILARD, CIP, CFEIDelegate: Algom Insurance Adjusters Elliot Lake
OttawaPresident: JORDAN LEGG, B.B.A. ClaimsPro OttawaVice-President: TBATreasurer: WENDY RUTHVEN, CIP Aviva CanadaDirectors: RYAN REISS, CIP, CRM Economical Insurance Company London ALEX MCCANN, CIP, CRM TD Insurance Group LondonSecretary: ANDREW LILLICO, B.B.A. PCA Adjusters CanadaPast CINDY BRIDGE, CIP, CRMPresident: Desjardins General Insurance Group OttawaChapter CINDY BRIDGE, CIP, CRMDelegate: Desjardins General Insurance Group Ottawa
Kawartha/DurhamPresident: JOE MURISON, CIP, CFEI The Commonwell Mutual Insurance Group, LindsayVice- KATHLEEN DUPON, CIPPresident: ClaimsPro PeterboroughTreasurer: HELEN SINCLAIR, CIP The Commonwell Mutual Insurance Group, LindsaySecretary: BOBBI-JO STEPHENS, CIP The Commonwell Mutual Insurance Group, LindsayDirectors: DEREK SZEKERES Cunningham Lindsey PeterboroughPast PAUL MORIN, CIP, CFEIPresident Claim Xperts Inc. PeterboroughChapter RAY PROCTOR, CIPDelegate: Pinnacle Adjusters Group Whitbywww.oiaakawarthadurham.com
Kitchener-WaterlooPresident: JENNIFER BROWN Economical Insurance WaterlooVice- RYAN POTTSPresident: ClaimsPro KitchenerTreasurer: MARK POTTS ClaimsPro KitchenerSecretary: CARRIE KEOGH Economical Insurance WaterlooDirector: GILLIAN REAIN, BA Economical Insurance Waterloo LEEANN DARKE The Co-Operators CambridgePast LAURA POTTSPresident: Aviva Canada Kitchener/ WaterlooChapter STEPHEN TUCKER, MA, FCIP, CRMDelegate: Economical Insurance Waterloowww.kw-oiaa.ca
LondonPresident: LEE-ANN VANSTEENKISTE, B.A.(HONS), CIP ClaimsPro, LondonVice- LINDA PEREIRAPresident: Lambton Mutual WatfordSecretary: MELISSA MILES Aviva Canada, LondonTreasurer: PEGGY WAY The Co-Operators, LondonDirectors: MARTIN LEE Aviva Canada, London SARA MARZAILI, CIP, CRM ClaimsPro, London TRACEY ZANTINGH, CIP The Co-Operators, LondonPast KYLE CASE, FCIP,CRMPresident: The Co-Operators, LondonChapter LEE-ANN VANSTEENKISTE, B.A.(HONS), CIPDelegate: ClaimsPro, Londonwww.londonclaimsassociation.com
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• The WP Magazine is the official journal of the OIAA (Ontario Insurance Adjusters Association).
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ABLE Translation ................44
ARCON Forensic Engineers..43
ARS Assessment ...............80
BDO Dunwoody.................32
Baxter ............................50/79
Blakeney Henneberry
Murphy & Galligan ..........9
Canadian Restoration Inc .....7
CEP Forensic Engineering ...54
Caskanette Udall Consulting
Engineers ........................51
DKI Canada........................46
DSB Claims .....................14/47
Davis Martindale ................20
DelSuites ................................42
Di Scipio Associates...........60
EcoPure Cleaners ...............51
Essentially You Inc. ...........58
First General Services............8
Promus Inc..........................71
R.J. Burnside & Associates
Limited...............................61
Rapid City Transport ..........91
Read Jones Christoffersen ......62
Relectronic .........................83
ServiceMaster.....................80
Shillingtons LLP ................77
Strone ......................................30
Tri-Star Disaster Recovery Inc.64
Viktoria Professional Movers .65
Vista Corporate Housing....44
Walters Forensic Engineering..13
Williams & Partners ...........81
Winmar Restoration
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YorkStreet Dispute
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Xpera Risk Mitigation........10
MDD Forensic Accounting .11/50
MKA Canada, Inc. .............50
Madeira Floors ...................12
Makos health Associates...52/85
McKellar Structured
Settlements Inc. ................2
Miller Mobile Homes .........84
Newtron Group...................75
North America Forensic
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OIAA Kawartha/Durham ...70
Origin & Cause...................85
PWC Management
Service LLP....................17
Pario Engineering...............30
Paul’s Restorations.............62
Pinchin Environmental .......71
Pinnacle Adjusters Group...21
Premiere Suites...................74
Giffin Koerth .................21/52
Global Resolutions .............15
Ground Force Environmental ...45
H&A Forensic ....................19
HVE Healthcare Assessments.44
Henderson Structured
Settlements .....................95
Hrycay Consulting..............12
Hudson Restoration ............76
IME Plus.............................75
Insignia ...............................82
Itech....................................14
Investigative Research Group.57
Jenish Engineering .............76
KG Services ..................18/56
King Transit........................73
Kodsi Engineering.........63/82
Larrek Investigations ...........58
Leda Restoration ................82
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