Canada: Insurance

An Alberta court examines whether property insurers must replace all exterior siding when hail damages only portions of a home, but sun-bleached existing materials create permanent, visible color mismatches that affect property value. The decision clarifies when partial repairs fail to meet policy requirements for restoration with property of like kind and quality.

Insurance policies are often viewed as some of the most difficult contracts to read. To many policyholders, they can feel dense, technical, and full of cross-references that seem to send the reader in circles.

Summer involves adventure and travel, and for many, that includes renting a car. What most people don’t realize is how big a role insurance coverage plays if a motor vehicle collision happens. Renters often drive without fully understanding their existing coverage or what additional coverage they may need.