A P.E.I. senior is locked in a battle with his insurance company over who should pay for thousands of dollars of damage his home sustained in post-tropical storm Fiona.
“It’s just like a punch to the gut,” says Paul Williams, 72, who lives in┬аNew Annan, just east of Summerside.┬а“My house was off the blocks and there was a lot of damage around the area.”
His entire deck was destroyed,┬аa hole formed in his roof after shingles were ripped off,┬аand the house was pushed off its supports, Williams said. He estimates the cost of repairs at around $50,000.┬а
He was out of his house for about two months after the Sept. 24 storm, but is back now that some fixes have been made to the foundation and roof.┬а
At first, Williams said,┬аP.E.I. Mutual Insurance Company told him some damage would be covered.
Now, he said,┬аthe insurance company says the roof repair is covered, but not the cost of putting the house back on its blocks.
Williams said P.E.I. Mutual has declared that work not coverable because they’re blaming it on storm surge, which his policy doesn’t cover.
The senior said that couldn’t be the case because there was no salt water damage anywhere around his home. He insists it┬аwas Fiona’s extremely high winds that pushed his home off its foundation.
You work and save a little nest egg and think you have insurance …┬аand this is what you’re┬аleft with.тАФ┬аPaul Williams, 72
Williams pointed out that cottages near his┬аhome were ripped off their foundations and carried down the street.
“Don’t get me wrong;┬аthere’s a lot of people out there worse┬аoff than I am. But at the same time, you work and save a little nest egg and think you have insurance …┬аand this is what you’re┬аleft with┬атАФ┬аso then, what do you do?”
P.E.I. Mutual Insurance Company┬аwouldn’t comment on Williams’s case specifically, but the company’s CEO, Craig Noonan, said┬аin a statement that Fiona caused “unprecedented” damages.
“This is among the top catastrophic weather events in Canadian history, and by far the largest in Atlantic Canada.┬аIn this extraordinary circumstance, P.E.I. Mutual remains committed to our members, and [has] brought in significant additional resources to assist with supporting the needs of our policyholders,” the statement said.
Storm surge typically not covered
The association that represents many Canadian insurance companies said┬аFiona was the most costly storm to ever hit the region тАФ with┬а$800 million in damages and counting.
“Typically, storm surge is not an insured peril. I know we’ve had a lot of conversations with some folks who fell victim to storm surge during this event,” said Amanda Dean, vice-president of the Insurance Bureau of Canada for the region.
“It is enormously traumatic. You can tell when you speak with them. It’s a very tough time to be going through.”
P.E.I. Mutual is not┬аa member of the Insurance Bureau of Canada┬а
However, Dean said insurance companies’┬аdecisions can be appealed┬аthrough a claims supervisor or the company’s ombudsman. If a dispute can’t be resolved within the company, customers have the option of complaining to the┬аfederal OmbudService┬аfor Life and Health Insurance.
Homeowner will appeal
Williams is now appealing his case. However, if the insurance company doesn’t cover his thousands of dollars in damage, it could end up being┬аcovered by the province’s program.
The P.E.I. government said anyone who has had claims denied may be eligible for financial help through the Provincial Disaster Financial Assistance Program.
Information sessions on that program are being held this month┬аfor anyone who has questions about the program. The schedule has been posted on the province’s website.
