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Canadian Independent Adjusters’ Association/ L’Association Canadienne des Experts Indépendants

National Claims Manual 2017

Who educates Independent Adjusters to take on critical loss adjusting challenges? WE DO.

Canadian Independent Adjusters’ Association

CLA, FCLA, FCIAA designations are widely recognized as a Canadian benchmark distinguishing proficiency and skills in the loss adjusting profession. CIAA’s blended learning programs equip independent adjusters with the ability to manage all your claim services requirements.

The voice of Independent Insurance Adjusters in Canada

ciaa-adjusters.ca CLA (Chartered Loss Adjuster); FCLA (Fellow Chartered Loss Adjuster); FCIAA (Fellow of the Canadian Independent Adjusters’ Association)

CIAA 2017

Table of Contents CIAA Member Listings �� 6 British Columbia �� 6 Yukon �� 10

Canadian Independent Adjusters’ Association/ L’Association Canadienne des Experts Indépendants

Alberta �� 11

National Claims Manual 2017

Northwest Territories �� 13 Saskatchewan �� 14 Manitoba �� 16 Ontario �� 18 Québec �� 28 New Brunswick �� 32 Prince Edward Island �� 35 Nova Scotia �� 37 Newfoundland and Labrador �� 40 International �� 42 U.S.A. �� 43

Insurance Industry Reference Material �� 50 ADR Institute of Canada, Inc. �� 50 Limitation Periods �� 52 Adjuster Licensing Requirements �� 54 CICMA Arbitration Agreement �� 61 Signatories to Arbitration Agreement �� 62 Intercompany Settlement Rules �� 64 Automobile Insurance Comparison �� 68 Ontario Accident Benefits �� 76 Disability Tables �� 78

The 2017 Claims Manual is co-produced by Canadian Independent Adjusters’ Association/ L’Association Canadienne des Experts Indépendants

National Office Centennial Centre, 5401 Eglinton Ave. W., Suite 100 Etobicoke, Ontario Canada M9C 5K6

Phone: (416) 621-6222 Toll Free: 1-877-255-5589 E-mail: info@ciaa-adjusters.ca www.ciaa-adjusters.ca

Official Journal of the Canadian Independent Adjusters’ Association Journal Officiel de l’Association Canadienne des Experts Indépendants

Claims Canada 80 Valleybrook Drive Toronto, Ontario Canada M3B 2S9

Phone: (416) 510-6788 Fax: (416) 510-5140 E-mail: editor@claimscanada.ca www.claimscanada.ca

CI A A /A CEI CLAIMS MANUAL 2017

MANDATE

CIAA/ACEI information

The purpose of this Association is to promote and represent common business interests of licensed independent insurance adjusters within the insurance industry.

Mission Statement

To provide leadership for Canada’s Independent Adjusters through advocacy, education and recognized professional standards. To serve our mission, CIAA/ACEI will: 1. Represent the collective interests of independent adjusters to government, industry and the public on a provincial, regional and national level. 2. Provide members with continuing training, education and professional development opportunities. 3. Develop and maintain the highest standards of professionalism through a defined code of ethics and fair practice policies. Assumer le leadership des experts en sinistres indépendants en se faisant le défenseur de leur cause et leur assurant une formation adéquate et des normes professoinnelles reconnues. Pour remplir sa mission, L’ACEI/ CIAA s’engage : 1. À représenter les intérêts collectifs des experts en sinistres indépendants auprès du gouvernement, de l’industrie et du public et ce, au niveau provincial, régional et national. 2. À offrir à ses membres, en permanence, des possibilités de formation et de développement professionnel. 3. À instituer et maintenir les normes professionnelles les plus élevées au moyen d’un code de déontologie précis et de règles de pratique loyales et équitables.

CI A A /A CEI CLAIMS MANUAL 2017

In furtherance of this fundamental purpose and objective, the Association shall promote: (a) uniform standards of conduct in the adjustment of insurance claims; (b) insurance education among its members and encourage greater industry and public understanding of the workings of the adjustment business; (c) distribute publications and programs to enhance the professional development of its membership; (d) communicate with and explain to federal and provincial governing bodies, the insurance industry and the public, the ramifications of matters of direct interest to its members in their conduct of the adjustment business; and (e) in general, promote and encourage understanding, cooperation and good relations amongst its members, the insurance industry and the public. Conformemént à l’intérêt du public et de l’industrie de l’assurance, l’ACEI a pour but de promouvoir et de représenter au sein du l’industrie de l’assurance les intérêts professionnels communs des experts en sinistres indépendants titulaires d’un permis d’exercer. Dans la poursuite de cet objectif fondamental, l’association doit: (a) promouvoir des normes uniformes de conduite dans le règlement des sinistres; (b) encourager la formation de ses membres en matière d’assurance et promouvoir une plus grande compréhension par l’industrie et le public du fonctionnement de l’expertise des sinstres; (c) procéder à la discussion de publication et de programmes visant à parfaire le développement professionnel de ses membres; (d) communiquer avec les organismes des gouvernements fédéral et provinciaux, l’industrie de l’assurance et le public et leur expliquer les ramifications de sujets quit sont, pour les membres de l’Association, d’une importance primoridale our l’exercise de leur profession d’experts en sinistres; (e) d’une manière générale, promouvoir et encourager la cooperation et les bonnes relations entre ses membres, l’industrie de l’assurance et le public.

Canadian Insurance Claims Education Benevolent Foundation OBJECTIVE • To assist with funding needed to further education of Canadian students entered in an insurance claims related discipline.

• Applications must be received at the CIAA National Office by July 31st annually. • Awards will be announced at the CIAA Annual General Meeting .in August.

VALUE • A minimum of one $1000.00 award annually.

DONORS • Canadian Independent Adjusters’ Association • Canadian Federation of Insurance Claims Associations

SUBMISSION • Applications are available at the Canadian Independent Adjusters’ Association National Office: CIAA Centennial Centre, 5401 Eglinton Ave. W., Suite 100 Etobicoke, ON M9C 5K6 Tel: (416) 621-6222 E-mail: info@ciaa-adjusters.ca

Canadian Indepe ndent Adjuste L’Association rs’ Association/ Canadienne des Experts Indépe ndants

National Claims Manual 2017

Ian Portsmouth Managing Director, Insurance Media Group (416) 510-6800 ian@newcom.ca Gerald Heydens Art Director

Christine Hirst Account Manager (416) 510-5114 christine@newcom.ca

Karen Samuels Production Manager (416) 510-5190 karens@newcom.ca

Mike Wells Account Manager (416) 510-5122 michael@newcom.ca

Subscription Inquiries (416) 614-5831

Published by:

NEWCOM BUSINESS MEDIA INC. Chairman and Founder Jim Glionna

President Joe Glionna

Vice President, Operations Melissa Summerfield

Controller Anthony Evangelista

Director of Circulation Pat Glionna

Official Journal of the Canadian Indeépendent Adjusters’ Association

Head Office 451 Attwell Dr., Toronto, ON M9W 5C4 (416) 614-2200 • fax: (416) 614-8861

www.claimscanada.ca Produced by the publishers of Canadian Underwriter magazine

A bi-monthly magazine (6x per year), Claims Canada is published by NEWCOM Business Media Inc. is located at: 80 Valleybrook Drive, Toronto, ON, M3B 2S9. Claims Canada magazine is the Official Publication of the Canadian Independent Adjusters’ Association [CIAA] and through its editorial content and circulation brings together the ‘entire property & casualty insurance claims market nationally’ with information and insight into the profession, business and people of insurance claims and loss adjusting. All key claims process stakeholders are reached as part of our readership community – including: both CIAA member and non-member independent claims adjusting firms; insurance and reinsurance company executive, claims management and

Regional Office 80 Valleybrook Dr., Toronto, ON M3B 2S9 (416) 442-5600 • fax: (416) 510-5169

claims adjusting personnel; corporate risk managers and loss control professionals; insurance brokers; insurance law firms; forensic engineers and accountants; appraisal, restoration, rehabilitation and collision repair professionals; Insurance Institute chapters; insurance associations, regulators and related claims market recipients. The contents of this publication may not be reproduced or transmitted in any form, either in part or in full, without the written consent of the copyright owner. Nor may any part of this publication be stored in a retrieval system of any nature without prior written consent.

CI A A /A CEI CLAIMS MANUAL 2017

BRITISH COLUMBIA

Listings

CI A A /A CEI CLAIMS MANUAL 2017

BRITISH COLUMBIA

Abbots ford â€“ F ras er Valley

ClaimsPro #100 - 2760 Trethewey Street, V2T 3R1 Phone: (877) 504-5331 Fax: (604) 504-5335 www.claimspro.ca

Cornerstone Adjusters Inc. P.O. Box 7, Station A, V2T 6Z4 Phone: 1-855-888-3335 Fax: (604) 888-3337 Contact: Shelby Vevers

R.F. Moore Claims Service Ltd. P.O. Box 1358, (Aldergrove), V4W 2V1 Phone: (604) 857-1127 Fax: (604) 857-1147 www.mooregroup.ca wgarrett@mooregroup.ca Warren Garrett, CIP, President

BURNABY ClaimsPro 4370 Dominion Street, Suite 400, V5G 4L7 Phone: (877) 650-0826 Fax: (888) 452-5246 www.claimspro.ca

MAGC Insurance Adjusters #413 - 4538 Kingsway, V5H 4T9 Phone: (604) 438-7533 (Nights: (604) 961-3728) Fax: (604) 648-9661 magcadjusters@gmail.com Michael Wong, ACII

CAMPBELL RIVER ClaimsPro 304 - 1100 Island Highway, V9W 8C6 Phone: (888) 686-8806 Fax: (250) 286-8809 www.claimspro.ca

Coast Claims Service Ltd. Unit 106 - 250 Dogwood Street, V9W 2X9 Phone: (250) 287-2283 Fax: (250) 287-4454 campbellriver@coastclaims.com Peter N. Strathdee, Manager Head Office: Victoria, BC

Crawford & Company (Canada) Inc. 1B - 1170 Shoppers Row, V9W 2C8 Phone: (250) 287-3590 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (250) 287-3215 CampbellRiver.Claims@crawco.ca Jennifer Tims, CIP

CASTLEGAR ClaimsPro 269 Columbia Avenue, V1N 1G3 Phone: (250) 304-2682 Fax: (250) 304-2623 www.claimspro.ca

COLDSTREAM ClaimsPro 8753 Hofer Avenue, V1B 1Y8 Phone: (250) 542-0741 Fax: (250) 542-1318 www.claimspro.ca

COURTENAY Coast Claims Service Ltd. #9 - 145 - 19th Street, V9N 9G2 Phone: (250) 338-7319 Fax: (250) 338-7589 courtenay@coastclaims.com Gregory K. Ross, Manager Head Office: Victoria, BC

COURTENAY/COMOX Kernaghan Adjusters Limited 201 - 2435 Mansfield Drive, (Courtenay), V9N 2M2 Phone: (250) 338-1213 Fax: (250) 338-1215 courtenaycomox@kernaghan.com Servicing: Tofino, Ucluelet, Port Alberni, Powell River, Sechelt, Northern Gulf Islands www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Debbie Halstead, CIP, Vancouver Island Manager

CRANBROOK ClaimsPro #330 - 2 Cranbrook St. N., V1C 3P6 Phone: (877) 570-2363 Fax: (250) 489-6279 www.claimspro.ca

Crawford & Company (Canada) Inc. 125 - 10th Ave. S., Suite 104, V1C 2N1 Phone: (403) 328-5545 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (403) 320-2162 Cranbrook.Claims@crawco.ca David Leavitt, Manager

Listings

ABBOTSFORD

Cunningham Lindsey Canada Claims Services Ltd. PO Box 310, V1C 4H8 Phone: (250) 427-6262 / 427-6615 Fax: (250) 426-2009 www.cunninghamlindsey.com

Kernaghan Adjusters Limited 250 - 100 Cranbrook Street N., V1C 3P9 Phone: (778) 517-3461 Fax: (778) 517-3462 cranbrook@kernaghan.com Servicing: Cranbrook, Fernie, Sparwood, Elkford, Kimberley, Elko, Jaffray, and Creston www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Mark Graw, CIP

DUNCAN ClaimsPro #102 - 455 Alderlea Street, V9L 3V3 Phone: (888) 748-6336 Fax: (250) 748-4330 www.claimspro.ca

Coast Claims Service Ltd. A-575 Coronation Ave., V9L 2T8 Phone: (250) 746-4412 Fax: (250) 746-6631 duncan@coastclaims.com Head Office: Victoria, BC

FORT SAINT JOHN ClaimsPro 9943 - 100 Ave., V1J 1Y4 Phone: (250) 785-0095 Fax: (250) 787-9167 www.claimspro.ca

FRASER VALLEY Cunningham Lindsey Canada Claims Services Ltd. 6325 - 204 Street, Suite 316, V2Y 3B3 Phone: (604) 539-8206 Fax: (604) 539-1622 www.cunninghamlindsey.com

CI A A /A CEI CLAIMS MANUAL 2017

BRITISH COLUMBIA

Listings

Ka ml o o p s â€“ P o rt A lb e rn i

KAMLOOPS

NANAIMO

OSOYOOS

ClaimsPro

Kernaghan Adjusters Limited

635 Victoria Street, Suite 201, V2C 2B3 Phone: (866) 372-7166 Fax: (250) 372-1457 www.claimspro.ca

Crawford & Company (Canada) Inc. 230 - 1210 Summit Drive, Unit 421, V2C 6M1 Phone: (250) 819-7547 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (250) 491-0817 Kamloops.Claims@crawco.ca Dave Lemire, CIP, Manager

KELOWNA ClaimsPro 202 - 1658 Commerce Avenue, V1X 8A9 Phone: (800) 240-6744 Fax: (250) 862-4923 www.claimspro.ca

Crawford & Company (Canada) Inc. Global Technical Services 201-160 Dougall Rd. S., V1X 3J4 Phone: (250) 491-0317 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (250) 491-0817 Kelowna.Claims@crawco.ca Dave Lemire, CIP, Manager

Cunningham Lindsey Canada Claims Services Ltd. 347 Leon Avenue, Suite 210, V1W 3A5 Phone: (250) 762-4785 Fax: (250) 763-4651 www.cunninghamlindsey.com

Kernaghan Adjusters Limited 210 - 307 Banks Road, V1X 6A1 Phone: (250) 860-8066 Fax: (250) 860-6609 kelowna@kernaghan.com Servicing: The Okanagan, Thompson Valley, and the West Kootenays www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Tony Read, BC Interior Manager

CI A A /A CEI CLAIMS MANUAL 2017

#1 - 2150 Bowen Road, V9S 1H7 Phone: (877) 585-4010 Fax: (250) 585-4011 www.claimspro.ca

Coast Claims Service Ltd. 3188 Barons Road, Suite 1, V9T 4B5 Phone: (250) 751-1266 Fax: (250) 751-7767 nanaimo@coastclaims.com Kelly M. Eisler, CIP, Senior Adjuster Head Office: Victoria, BC

Crawford & Company (Canada) Inc. 203 - 235 Bastion St., V9R 3A3 Phone: (250) 741-8134 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (250) 741-8175 Nanaimo.Claims@crawco.ca Jennifer Tims, CIP, Manager

Cunningham Lindsey Canada Claims Services Ltd. Suite 538, #101-5170 Dunster Road, V9T 6M4 Phone: (250) 585-5169 Fax: (250) 585-5189 www.cunninghamlindsey.com

Kernaghan Adjusters Limited 201 Selby Street, V9R 2R2 Phone: (250) 740-3999 Fax: (250) 740-3998 nanaimo@kernaghan.com Servicing: Port Alberni, Tofino, Ucluelet, Qualicum Beach, Parksville, and Bowser www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Debbie Halstead, CIP, Vancouver Island Manager

NELSON ClaimsPro Unit 1 - 512 Nelson Avenue, V1L 2N3 Phone: (877) 505-5551 Fax: (250) 505-5557 www.claimspro.ca

NEW WESTMINSTER ClaimsPro 301 - 668 Carnarvon Street, V3M 5Y6 Phone: (866) 519-6070 Fax: (604) 636-1138 www.claimspro.ca

106 - 8315 Main Street, Box 935, V0H 1V0 Phone: (250) 495-5660 Fax: (250) 495-5667 osoyoos@kernaghan.com Servicing: Oliver, Okanagan Falls, Penticton, Summerland, Peachland, Kelowna, Kaleden, Princeton, Hedley, Greenwood, Keremeos, Bridesville, Midway, Grand Forks, Christina Lake, Castlegar, Vernon, Lumby, Oyama, Rock Creek, Nelson, Trail, Rossland, Manning Park, Mount Baldy, Apex Mountain, and Westbridge www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) John Sutherland

PENTICTON ClaimsPro 201 - 3115 Skaha Lake Road, V2A 6G5 Phone: (877) 492-3828 Fax: (250) 492-3858 www.claimspro.ca

Cunningham Lindsey Canada Claims Services Ltd. 339 - 246 Martin Street, V2A 5K3 Phone: (250) 490-9689 Fax: (250) 490-9519 www.cunninghamlindsey.com

PORT ALBERNI ClaimsPro 2402 8th Avenue, V9Y 2L9 Phone: (844) 731-3140 Fax: (250) 720-2226 www.claimspro.ca

Coast Claims Service Ltd. 5588 Meadow Drive, V9Y 7G5 Phone: (250) 724-3287 Fax: (250) 724-6801 portalberni@coastclaims.com Warren Nicholson, ARM, Manager Head Office: Victoria, BC

BRITISH COLUMBIA

Port Moody – Vancouv er

SURREY

Cunningham Lindsey Canada Claims Services Ltd.

ClaimsPro

3003 St. John’s Street, Suite 210, V3H 2C4 Phone: (604) 949-2170 Fax: (604) 949-1251 www.cunninghamlindsey.com

POWELL RIVER Coast Claims Service Ltd. 210 - 4801 Joyce Avenue, V8A 3B7 Phone: (604) 485-5788 Fax: (604) 485-2313 powellriver@coastclaims.com Gregory K. Ross, Manager Head Office: Victoria, BC

PRINCE GEORGE ClaimsPro 404-1488-4th Avenue, V2L 4Y2 Phone: (888) 564-5580 Fax: (250) 564-1668 www.claimspro.ca

REVELSTOKE ClaimsPro P.O. Box 639, V0E 2S0 Phone: (250) 814-2536 Fax: (250) 814-2537 www.claimspro.ca

RICHMOND ClaimsPro 10451 Shellbridge Way, Suite 125, V6X 2W8 Phone: (888) 688-8668 Fax: (604) 284-5350 www.claimspro.ca

#102 - 15290 - 103A Avenue, V3R 7A2 Phone: (604) 589-1121 Fax: (604) 589-9525 www.claimspro.ca

ClaimsPro #215 - 7455 132 Street, V3W 1J8 Phone: (888) 234-3322 Fax: (604) 594-8899 www.claimspro.ca

Crawford & Company (Canada) Inc. 211 - 5455 152nd Street, V3S 5A5 Phone: (604) 574-6275 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (604) 574-7354 Surrey.Claims@crawco.ca Dave Lemire, CIP, Manager

Discovery Claims Services Ltd. 201 - 5659 176th Street, V3S 4C5 P.O. Box 36009, Hillcrest Village, RPO, V3S 7Y5 Phone: (604) 579-0191 Fax: (604) 579-0192 info@dclaims.ca www.dclaims.ca Pat Lodewijkx, Jane Lodewijkx, Samuel Cho, Kirk Kennett, John Finnerty, Steve Freeman, Brent Yerxa

Kernaghan Adjusters Limited 102 - 15290 103a Ave., V3R 7A2 Phone: (604) 282-7932 Fax: (604) 688-5676 www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Nadine Furnell, Branch Manager

SECHELT

TERRACE

ClaimsPro

P.O. Box 2210, V0N 3A0 Phone: (604) 885-3519 Fax: (604) 885-3530 www.claimspro.ca

Peninsula Adjusters (2007) Ltd. 7800 Redrooffs Road, (Halfmoon Bay), V0N 1Y1 Phone: (604) 885-9329 Nights: (604) 741-8852 Fax: (604) 885-6195 www.peninsulaadjusters.com mike@peninsulaadjusters.com Michael C. Gojevic, CIP, President

202 - 4548 Lakelse Avenue, V8G 1P8 Phone: (877) 635-0104 Fax: (250) 635-0154 www.claimspro.ca

VANCOUVER

ClaimsPro 600, 1111 Melville Street, V6E 3V6 Phone: (888) 681-6331 Fax: (604) 681-6388 www.claimspro.ca

Coast Claims Service Ltd.

Listings

PORT MOODY

3103 Kingsway Ave., Suite 200, V5R 5J9 Phone: (604) 669-4614 Fax: (604) 669-4649 vancouver@coastclaims.com Elizabeth McInnis, CIP, Manager Head Office: Victoria, BC

Cornerstone Adjusters Inc. Suite #409 - 2416 Main Street, V5T 3E2 Phone: 1-888-466-1474 Cell: (778) 228-7673 Fax: (604) 466-3495 info@cornerstoneadjusters.com Contact: Stacey Rose, CIP Head Office

Crawford & Company (Canada) Inc. Global Technical Services 280 - 2985 Virtual Way, V5M 4X7 Phone: (604) 739-3816 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (604) 739-3817 Vancouver.Claims@crawco.ca Dave Lemire, CIP, Manager

Cunningham Lindsey Canada Claims Services Ltd. 1200 West 73rd Avenue, Suite 410, V6P 6G5 Phone: (604) 683-2521 Fax: (604) 669-4711 www.cunninghamlindsey.com

Kernaghan Adjusters Limited Corporate Office 300 - 1445 West Georgia St., V6G 2T3 Phone: 1-800-387-(LOSS) 5677 Fax: 1-800-387-5644 ka@kernaghan.com www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Patti M. Kernaghan, FCIP, CRM, FIFAA, President & CEO

Canadian Claims Services Inc. Suite 300, 3665 Kingsway, V5R 5W2 Phone: (604) 430-3545 Fax: (604) 435-7357 www.canclaims.com Head Office: Edmonton, AB

CI A A /A CEI CLAIMS MANUAL 2017

BRITISH COLUMBIA/YUKON

Listings

Va n c o u v e r – W h ite h o rse , Y u k o n

Kernaghan Adjusters Limited 300-1445 West Georgia St., V6G 2T3 Phone: (604) 688-5651 Fax: (604) 688-5676 vancouver@kernaghan.com Servicing: Greater Vancouver, Squamish, North Vancouver, West Vancouver, Richmond, Delta, Burnaby, New Westminster, Coquitlam, Maple Ridge, Mission, White Rock, Langley, Aldergrove, Abbotsford, Chilliwack, Hope and Whistler www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Tony McVicker, BA, Regional Manager Southern BC

Spectrum Adjusting Inc. 300, 1055 West Hastings Street, V6E 2E9 Phone: (778) 654-9224 sschwede@spectrumadjusting.com www.spectrumadjusting.com Shayne Schwede, FCIP, CRM

VERNON ClaimsPro #101 - 2500 53 Avenue, V1T 8H9 Phone: (877) 949-5241 Fax: (250) 549-7152 www.claimspro.ca

VICTORIA Canadian Claims Services Inc. Suite #222, 110 - 174 Wilson St., V9A 7N7 Phone: (877) 443-1877 Fax: (780) 443-1893 www.canclaims.com Head Office: Edmonton, AB

ClaimsPro 990 Hillside Avenue, Suite 204, V8T 2A1 Phone: (866) 382-2345 Fax: (250) 382-5545 www.claimspro.ca

Coast Claims Service Ltd. 2727 Quadra Street, Suite 6, V8T 4E5 Phone: (250) 386-3111 Fax: (250) 386-1473 victoria@coastclaims.com Darwyn Stickle, BA, FCIP, CRM, Manager Branch Offices: Campbell River, Courtenay, Duncan, Nanaimo, Port Alberni, Powell River, and Vancouver, BC.

CI A A /A CEI CLAIMS MANUAL 2017

Crawford & Company (Canada) Inc. 22 - 3318 Oak Street, V8X 1R1 Phone: (250) 360-0304 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (250) 360-0310 Victoria.Claims@crawco.ca Jennifer Tims, CIP, Manager

Cunningham Lindsey Canada Claims Services Ltd. 19 DeGoutiere Place, V9B 0H3 Phone: (250) 474-1213 Fax: (250) 474-1248 www.cunninghamlindsey.com

Kernaghan Adjusters Limited 1834C Oak Bay Avenue, Suite 309, V8R 0A4 Phone: (250) 338-1213 Fax: (778) 265-2123 victoria@kernaghan.com Servicing: Southern Vancouver Island, including the Greater Victoria area, Sooke, Port Renfrew, Sidney, and the Gulf Islands. www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Debbie Halstead, CIP, Vancouver Island Manager

WHISTLER Kernaghan Adjusters Limited P.O. Box 850 Garibaldi Highlands, (Squamish), V0N 1T0 Phone: (604) 892-9229 Fax: (604) 357-1461 whistler@kernaghan.com Servicing: Lions Bay, Brittania Beach, Furry Creek, Squamish, Garibaldi Highlands, Brackendale, Black Tusk Village, Pine Crest, Whistler, Pemberton, Mount Currie, Birken, D’Arcy, Braelorn, Ivy Lake, Owl Ridge, Gold Bridge, Tyax, Seaton Portage, Shallath, Lillooet www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Andrea G. Symons, BFA

WILLIAMS LAKE ClaimsPro P.O. Box 4132, V2G 2V2 Phone: (800) 668-6100 Fax: (888) 452-5246 www.claimspro.ca

YUKON

WEST KELOWNA

WHITEHORSE

Allmark Claims Service

ClaimsPro

1985 Covington Crescent, V1Z 3M2 Phone: (250) 769-1350 Nights: (250) 769-1326 Fax: (250) 769-1343 bgallmark@shaw.ca Barry Allmark, BA, CIP

WEST VANCOUVER Cornerstone Adjusters Inc. #421 - 1489 Marine Drive, V7T 1B9 Phone: (604) 926-5920 Cell: (604) 817-4544 Fax: (604) 926-5944 Contact: Angela Shears, CIP

#17 - 1114 Front Street, Y1A 1A3 Phone: (867) 668-4888 Fax: (867) 668-4889 www.claimspro.ca

ALBERTA

Listings CI A A /A CEI CLAIMS MANUAL 2017

ALBERTA

Listings

Ca l g a r y – F o rt Mc Mu rra y

CALGARY

CANMORE

Canadian Claims Services Inc.

ClaimsPro

#230, 7260 - 12 Street S.E., T2H 2S5 Phone: (403) 777-0010 Fax: (403) 777-0090 www.canclaims.com Head Office: Edmonton, AB

Claims Tech (Canada) Inc. #219 - 280 Southland Drive SE, T2J 6W3 Phone: (905) 568-8060 Fax: (888) 239-3234 info@claimstech.ca/ intake@claimstech.ca

ClaimsPro 210, 8826 Blackfoot Trail SE, T2J 3J1 Phone: (800) 667-6231 Fax: (403) 228-5700 www.claimspro.ca

Crawford & Company (Canada) Inc. Global Technical Services 3165 - 114 Ave. SE, Suite 200, T2Z 3X2 Phone: (403) 266-3933 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (403) 262-4247 Calgary.Claims@crawco.ca Graham Carstairs, CIP, CRM, Manager

Cunningham Lindsey Canada Claims Services Ltd. 807 Manning Road N.E., Suite 100, T2E 7M8 Phone: (403) 571-2050 Fax: (403) 266-2078 www.cunninghamlindsey.com

Kernaghan Adjusters Limited 106 - 1935 27 Ave. N.E., T2E 7E4 Phone: (403) 250-3700 Fax: (403) 250-5764 calgary@kernaghan.com Servicing: Medicine Hat, Red Deer, Lethbridge, Canmore, Banff, Lake Louise, and Olds www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Michelle Short, CIP, Calgary Branch Manager

CI A A /A CEI CLAIMS MANUAL 2017

#116B, 1151 Sidney Street, T1W 3G1 Phone: (800) 731-4331 Fax: (403) 678-6033 www.claimspro.ca

EDMONTON Canadian Claims Services Inc. 17958 - 106 Avenue, T5S 1V4 Phone: (780) 443-1185 Fax: (780) 443-1893 www.canclaims.com driddell@canclaims.com David Riddell, FCIP, CRM, President

ClaimsPro #101, 5083 Windermere Blvd. S.W., T6W 0J5 Phone: (800) 565-3128 Fax: (780) 489-8841 www.claimspro.ca

Crawford & Company (Canada) Inc. Global Technical Services 600 - 10709 Jasper Ave., T5J 3N3 Phone: (780) 486-8000 (Nights/CLAIMSALERT: 1-888-224-5677) Main Fax: (780) 486-9001 Claims Fax: (780) 486-8090 Edmonton.Claims@crawco.ca Bruce Toma, CIP, Manager

Cunningham Lindsey Canada Claims Services Ltd. 14310 - 111 Avenue, Suite 400 W., T5M 2P4 Phone: (780) 451-0370 Fax: (780) 454-3083 www.cunninghamlindsey.com

Kernaghan Adjusters Limited 103 - 4246 97 Street N.W., T6E 5Z9 Phone: (780) 488-2371 Fax: (780) 488-0243 edmonton@kernaghan.com Servicing: Lloydminster, Edson, Red Deer, Jasper, Hilton, Whitecourt, and Grande Prairie www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Russell G. Fitzgerald, CIP, CLA, Alberta Regional Manager

Leslie McDougall Adjusting Services PO Box 68002 Bonnie Doon, T6C 4N6 Phone: (780) 756-0940 Fax: (780) 756-0941 lmas@shawbiz.ca

T & L Adjusters Ltd. #309, 5227 55 Avenue NW, T6B 3V1 Phone: (780) 463-7776 After Hours: (780) 504-0092 Toll Free: 1-800-803-4109 Fax: (780) 462-1280 claims@tladjusters.com Tammy Borowicz; Jean Cebuliak; Dean D’Agostini, FCIP; Arlene Hendrickson, B.Ed., CIP; Michael Leedham, AIIC; Debbie Schultz, CIP; Chris Twardzik, CIP; Blair Richmond, AIIC; Jeff Deneve, FCIP; Morris Blatz; Chris Zambo, FCIP; Justin Paul; Joann Christou; Dale Mah, FCIP; Cory Gilliam, BA, CIP; Katelin Foster; Guy Valle, FCIP; Keira Wilding

FORT McMURRAY ClaimsPro 10210 Centennial Drive, T9H 1Y5 Phone: (800) 663-3993 Fax: (780) 791-9421 www.claimspro.ca

Crawford & Company (Canada) Inc. Bay 149, 395 Loutit Road, T9K 0Z4 Phone: (877) 323-7874 (Nights/CLAIMSALERT: 1-877-224-5677) Fax: (888) 611-1942 FortMcMurray.Claims@crawco.ca Bruce Toma, CIP, Manager

Kernaghan Adjusters Limited Bay 14-36 Riedel Street, T9H 3E1 Phone: (780) 328-4160 Fax: (780) 488-0243 fortmcmurray@kernaghan.com Servicing: Fort Mackay, Fort Chipewyan, Anzac, Chard, Conklin, Mariana Lake, and Wandering River www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Christie Belok-Bunn, CIP

ALBERTA / NORTHWEST TERRITORIES

Grande Prairie â€“ Yellow knife, Northw es t Territories

ClaimsPro 11530 - 97 Avenue, Suite 200, T8V 6R8 Phone: (800) 267-4716 Fax: (780) 539-7739 www.claimspro.ca

Crawford & Company (Canada) Inc. #207, 9814 - 97 Street, T8V 8H5 Phone: (780) 402-8383 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (780) 402-7888 GrandePrairie.Claims@crawco.ca Bruce Toma, CIP, Manager

HINTON ClaimsPro 114 Jasper Street, P.O. Box 6715, T7V 2A8 Phone: (800) 661-4368 Fax: (780) 865-7850 www.claimspro.ca

LETHBRIDGE ClaimsPro #201, 503 - 7 St. South, T1J 2G8 Phone: (800) 280-7141 Fax: (403) 320-7809 www.claimspro.ca

Crawford & Company (Canada) Inc. 200 - 1211 3rd Ave. S., T1J 0J7 Phone: (403) 328-5545 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (403) 320-2162 Lethbridge.Claims@crawco.ca David Leavitt, Manager

Cunningham Lindsey Canada Claims Services Ltd. 1253 6A Ave. S., T1J 1G9 Phone: (403) 381-1103 www.cunninghamlindsey.com

LLOYDMINSTER

Cunningham Lindsey Canada Claims Services Ltd. Box 11981, T9V 3C3 Phone: (780) 871-1781 Fax: (855) 408-6846 www.cunninghamlindsey.com

MEDICINE HAT ClaimsPro 208, 1865 Dunmore Road SE, T1A 1Z8 Phone: (800) 545-2920 Fax: (403) 526-5278 www.claimspro.ca

NORTHWEST TERRITORIES YELLOWKNIFE ClaimsPro

Listings

GRANDE PRAIRIE

200, 349 Old Airport Road, X1A 3X6 Phone: (888) 770-2144 Fax: (867) 669-9747 www.claimspro.ca

Crawford & Company (Canada) Inc. 202 - 1290 TransCanada Way S.E., T1B 1J5 Phone: (403) 527-4205 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (403) 527-5095 MedicineHat.Claims@crawco.ca David Leavitt, Manager

PEACE RIVER ClaimsPro 10011 102 Avenue, P.O. Box 6088, T8S 1S1 Phone: (800) 523-6171 Fax: (780) 624-9611 www.claimspro.ca

RED DEER ClaimsPro #102, 4315 - 55th Avenue, T4N 4N7 Phone: (800) 580-3285 Fax: (403) 340-1820 www.claimspro.ca

Crawford & Company (Canada) Inc. 5020 68 Street, Suite 4, T4N 7B4 Phone: (403) 347-7747 (Nights/CLAIMSALERT: 1-877-224-5677) Fax: (403) 340-8190 RedDeer.Claims@crawco.ca Graham Carstairs, CIP, CRM, Manager

ClaimsPro #203, 5101 - 48th Street, T9V 0H9 Phone: (780) 875-1201 Fax: (780) 875-0302 www.claimspro.ca

CI A A /A CEI CLAIMS MANUAL 2017

SASKATCHEWAN

Listings

CI A A /A CEI CLAIMS MANUAL 2017

SASKATCHEWAN

Prince Albert â€“ Yorkton

ClaimsPro 77A - 11th Street W., S6V 3A8 Phone: (306) 922-1214 Fax: (306) 763-6431 www.claimspro.ca

Fair Way Adjusters P.O. Box 22009, S6V 8A6 Phone: (306) 922-2060 Fax: (306) 975-0398 info@fairwayadjusters.ca www.fairwayadjusters.ca Head Office: Saskatoon Krista McCann, CIP, HCI-R, Manager Lisa Montgomery, CIP, HCI-R

Midwest Claims Services #2 - 2072 McIntyre Street, S4P 2R6 Phone: (306) 522-1656 (24 Hours) Fax: (306) 569-1256 admin@midwestclaims.ca www.midwestclaims.ca Garrett Schous, CIP; Shari Mosthaf, CIP; Rob Johnston, CIP; Darren Kuznitsoff, CIP; Colin Warnecke, CIP; Curtis Horwath; Jordan Demarsh All Lines Adjusting, Investigating, and machinery/equipment appraisals entire province of Saskatchewan, with offices in Regina, Saskatoon and Swift Current

REGINA

REGINA BEACH

Absolute Claims Adjusters

Cunningham Lindsey Canada Claims Services Ltd.

535 Ominica Street East, (Moose Jaw), S6H 0H2 Phone: (306) 694-1644 Fax: (306) 694-1646 www.absoluteclaimsadjusters.ca absoluteclaims@sasktel.net C. Keith Wright, President, Executive Loss Adjuster; Beverly (Bev) Wright, Loss Adjuster

ClaimsPro 436 McDonald Street, S4N 6E1 Phone: (866) 352-1635 Fax: (306) 352-1669 www.claimspro.ca

Crawford & Company (Canada) Inc. 120 - 2150 Scarth St., S4P 2H7 Phone: (306) 586-4994 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (306) 586-4440 Regina.Claims@crawco.ca Bruce Toma, CIP, Manager

District Insurance Adjusters 402 - 2206 Dewdney Ave., S4R 1H3 Phone: (306) 352-3111 Fax: (306) 352-3113 king@districtclaims.com Gordon King, President

465 Green Ave., P.O. Box 276, S0G 4C0 Phone: (306) 729-8805 Fax: (306) 729-8806 www.cunninghamlindsey.com

RIVERHURST Greening Aviation Claims Inc. 26C Palliser Park, Box 190, S0H 3P0 Phone:(306) 353-2000 Fax:(306) 353-2200 Cell: (306) 536-5866 pgreening@sasktel.net Paul W. Greening, CLA, FCIAA, President

SASKATOON ClaimsPro 900, 3530 Millar Avenue, S7P 0B6 Phone: (877) 975-0950 Fax: (306) 975-0935 www.claimspro.ca

Crawford & Company (Canada) Inc. 210 - 227 Primrose Drive, S7K 5E4 Phone: (306) 931-1999 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (306) 931-2212 Saskatoon.Claims@crawco.ca Bruce Toma, CIP, Manager

Fair Way Adjusters 2401 Thayer Avenue, S7L 5Y1 Phone: (306) 975-0243 Fax: (306) 975-0398 info@fairwayadjusters.ca www.fairwayadjusters.ca Krista McCann, CIP, HCI-R, Manager Lisa Montgomery, CIP, HCI-R

Listings

PRINCE ALBERT

Midwest Claims Services #3 - 2217 Hanselman Court, S7L 6A8 Phone: (306) 668-0870 Fax: (306) 249-4114 lee@midwestclaims.ca www.midwestclaims.ca Lee Dixon, B.Comm., CIP; Nathan Rivard, CIP, CFEI; Jamie Birns; Don Zazula, CIP Serving North and Central Saskatchewan

SWIFT CURRENT Midwest Claims Services #317 - 12 Cheadle St. W., S9H 0A9 Phone: (306) 773-8848 Fax: (306) 773-8849 nicole@midwestclaims.ca Nicole McClelland, CIP www.midwestclaims.ca Serving southwest Saskatchewan

WARMAN Prairie Adjusters Ltd. P.O. Box 2088, S0K 4S0 Phone: (306) 250-5224 keith@prairieadjusters.ca Serving Saskatchewan and Manitoba All Lines

YORKTON New Age Adjusters Ltd. Box 22020, S3N 4B2 Phone: (306) 641-6804 Fax: (306) 993-5456 kyle@newageadj.ca www.newageadjusters.ca Serving East Central and Southeast Saskatchewan. All Lines Adjusting. Kyle T. Fisher, President

Cunningham Lindsey Canada Claims Services Ltd. 2911 B Cleveland Avenue, S7K 8A9 Phone: (306) 652-1611 Fax: (306) 665-6115 www.cunninghamlindsey.com

CI A A /A CEI CLAIMS MANUAL 2017

MANITOBA

Listings

CI A A /A CEI CLAIMS MANUAL 2017

MANITOBA

Brandon â€“ Winnipeg

SWAN RIVER

Capital Claims Adjusters Limited

ClaimsPro

PO Box 50078, 139 Victoria Avenue East, R7A 7E4 Phone: 1-866-550-0516 Fax: 1-866-725-4794 Justin Braaten, FCIP, CRM, HCI-R justin@capitalclaims.ca Serving Western Manitoba

ClaimsPro 527 Princess Avenue, R7A 0P1 Phone: (877) 571-2401 Fax: (204) 571-2409 www.claimspro.ca

Wheat City Claims Services Ltd. 64 Regent Crescent, R7B 2W9 Phone: (204) 725-7436 Nights: (204) 724-6548 Fax: (204) 725-7437 craig.shanks@mymts.net www.wheatcityclaimsservices.ca Craig Shanks, BA, CIP

FLIN FLON Kernaghan Adjusters Limited 49 Main Street, R8A 1J7 Phone: (204) 687-7260 Fax: (204) 687-4131 flinflon@kernaghan.com Servicing: The Pas, Snow Lake, Grand Rapids, Creighton, Saskatchewan www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Stephanie Straile

NEEPAWA Kernaghan Adjusters Limited PO Box 237, R0J 1H0 Phone: (204) 595-8887 Fax: (204) 943-5760 neepawa@kernaghan.com Servicing: Gladstone, Dauphin, Birtle, Minnedosa, Carberry, Erickson, Plumas, MacGregor, and Riding Mountain www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Janet Velemirovich

P.O. Box 2108, R0L 1Z0 Phone: (204) 734-2463 Fax: (204) 734-5663 www.claimspro.ca

THOMPSON Kernaghan Adjusters Limited 304 - 83 Churchill Drive, R8N 0L5 Phone: (204) 677-2351 Fax: (204) 677-9961 thompson@kernaghan.com Servicing: Churchill, Leaf Rapids, Shamattawa, Rankin Inlet, and Arviat www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Toni Burt

WINNIPEG Canadian Claims Services Inc. 101 - 100 Paquin Road, R2J 3V4 Phone: (204) 235-0603 Fax: (204) 235-0671 www.canclaims.com Head Office: Edmonton, AB

ClaimsPro 200 - 1479 Buffalo Place, R3T 1L7 Phone: (888) 988-5090 Fax: (204) 985-1786 www.claimspro.ca

Compass Insurance Adjusters of Canada Inc. Suite 345, 210 - 1600 Kenaston Blvd., R3P 0Y4 Phone: (204) 505-1550 Fax: (204) 505-1552 david@compassadjusters.ca www.compassadjusters.ca

Crawford & Company (Canada) Inc. 1250 Waverley St., Unit 1, R3T 6C6 Phone: (204) 947-2340 (Nights/ CLAIMSALERT:1-888-224-5677) Fax: (204) 943-9168 Winnipeg.Claims@crawco.ca Jacqueline Desrochers, Manager

Cunningham Lindsey Canada Claims Services Ltd. 2703 - A, 83 Garry Street, R3C 4J9 Phone: (204) 942-2608 Fax: (204) 943-2239 www.cunninghamlindsey.com

Listings

BRANDON

Kernaghan Adjusters Limited 203 - 90 Garry Street, R3C 4H1 Phone: (204) 956-2550 Fax: (204) 943-5760 winnipeg@kernaghan.com Servicing: Brandon, Altona, Ste Anne, Selkirk, Beausejour, Pine Falls www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Grant Rerie, CRM, Manitoba Regional Manager

Network Adjusters Ltd. 67 Folkestone Blvd., R3P 0B4 Phone: (204) 897-5793 Cell: (204) 981-2713 Fax: (204) 897-5797 mbarber@mts.net J. Miles O. Barber, B. Comm. (Hons.), FCIP, CRM, RF, President

Network Adjusters Ltd. 47 Cassin Crescent, R3X 1S6 Phone: (204) 254-7833 Cell: (204) 232-2646 Fax: (204) 254-7885 jrmagnan@shaw.ca James R. Magnan, CRM, Executive Adjuster

QA Adjusting Company 279 Provencher Blvd., R2H 0G6 Phone: (204) 233-8844 Fax: (204) 233-7793 cmalkoske@qa-adjusting.ca www.qa-adjusting.ca Russell Malkoske, Cory Malkoske, R.A. (Bob) Clement, Elaine McCracken, Ted Teterenko, Michael Lucas & Eric Sizeland Also Serving Northwestern Ontario, Kenora/Lake of the Woods.

CI A A /A CEI CLAIMS MANUAL 2017

ONTARIO

Listings

CI A A /A CEI CLAIMS MANUAL 2017

ONTARIO

Aurora â€“ Brockv ille

A T & W Insurance Adjusters #14 - 15213 Yonge Street, L4G 1L8 Phone: (416) 540-6535 paul.tersigni@rogers.com Paul J. Tersigni, Proprietor

BARRIE ClaimsPro 15 Sperling Drive #203, L4M 6K9 Phone: (866) 820-6100 Fax: (705) 733-4008 www.claimspro.ca

Crawford & Company (Canada) Inc. 11 - 431 Bayview Dr., L4N 8Y2 Phone: (705) 728-5597 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (705) 728-2167 Barrie.Claims@crawco.ca Mary Charman, CIP, Manager

Cunningham Lindsey Canada Claims Services Ltd. 74 Cedar Pointe Drive, Suite 1001, L4N 5R7 Phone: (705) 728-8398 Fax: (705) 734-0559 www.cunninghamlindsey.com

Doerr Claims Services Inc. 92 Caplan Avenue, Suite 114, L4N 9J2 Phone: (705) 719-7983 Fax: (866) 577-5140 greg@doerrclaims.com Greg Doerr, CIP, President

Georgian Claim Services Inc. 80 Bradford Street, West Wing, Suite 1, L4N 6S7 Phone: (705) 719-5657 Fax: (866) 896-7915 www.georgianclaims.com b.polimeni@georgianclaims.com Brian Polimeni, CIP, President

BELLEVILLE ClaimsPro P.O. Box 20061, K8N 5V1 Phone: (877) 322-2727 Fax: (613) 967-2766 www.claimspro.ca

Crawford & Company (Canada) Inc. 210 - 365 North Front Street, K8P 5A5 Phone: (613) 966-2872 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (613) 966-4759 Belleville.Claims@crawco.ca Brian Hambly, Manager

Cunningham Lindsey Canada Claims Services Ltd. 334A Pinnacle Street, K8N 3B4 Phone: (613) 966-4755 Fax: (613) 966-2655 www.cunninghamlindsey.com

DSB Claims 110 North Front Street A-3, Suite 358, K8P 0A6 Phone: (866) 856-6335 Mobile: (416) 788-7521 (24/7) Fax: (866) 641-3151 www.dsbclaims.com neil.castonguay@dsbclaims.com Neil Castonguay, BA (Econ.), CIP Branch Manager & Executive Adjuster Specializing in Property, Bodily Injury, Transportation and Liability

P.C.A. Adjusters Limited Property, Casualty, All Line Adjusters 122 Parks Drive, Suite 4, K8N 4Z5 Phone: (613) 962-9556 Toll Free: 1-888-962-9556 (24 hours) Fax: (613) 962-9596 Toll Free Fax: 1-800-722-7896 (24 hrs) www.pca-adj.com Electronic Assignments: claims@pca-adj.com Servicing all of the Eastern Ontario Corridor Members: CIAA, OIAA, OVAA, CAFI, IAAI

BLUE MOUNTAINS/ COLLINGWOOD Thomson Insurance Adjusters Inc. 220 Gord Canning Dr., Suite #308, (Blue Mountain), L9Y 0V9 Phone: (519) 217-6950 www.thomsonadjustersinc.ca thomson.adjusters@yahoo.ca Branch Office Send all correspondence to Orangeville, ON head office

BRACEBRIDGE DSB Claims 505 Hwy 118 West, Suite 317, P1L 2G7 Phone: (866) 856-6335 Mobile: (705) 646-3427 (24/7) Fax: (866) 641-3151 www.dsbclaims.com david.rienzo@dsbclaims.com David Rienzo, CIP Branch Manager & Executive Adjuster Specializing in High Net Worth, Personal & Commercial Property, Liability and Title

Listings

AURORA

BRAMPTON DSB Claims 204 Main Street North, L6V 1P1 Phone: (866) 856-6335 Mobile: (416) 400-8933 (24/7) Fax: (866) 641-3151 www.dsbclaims.com dara.banga@dsbclaims.com Dara Banga, FCIP, CFEI President & Chief Adjusting Officer Specializing in High Net Worth, Personal & Commercial Property, Transportation and Title Claims

BRANTFORD Crawford & Company (Canada) Inc. 166 Charing Cross Street, N3R 2J4 Phone: (519) 759-5760 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (519) 759-5691 Brantford.Claims@crawco.ca Joseph Turcotte, CIP, Manager

Cunningham Lindsey Canada Claims Services Ltd. 53 Brant Avenue - Unit B, N3T 3G9 Phone: (519) 756-4170 Fax: (519) 756-5562 www.cunninghamlindsey.com

BROCKVILLE Crawford & Company (Canada) Inc. 125 Stewart Blvd., Suite 206B, K6V 4W4 Phone: (877) 579-8990 ext. 2593 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (613) 657-8929 Brockville.Claims@crawco.ca Nancy Brooks, Manager CI A A /A CEI CLAIMS MANUAL 2017

ONTARIO

Listings

Co l l i n g w o o d â€“ H a m ilto n

COLLINGWOOD

FORT FRANCES

ClaimsPro

4 - 115 First Street, Unit 317, L9Y 4W3 Phone: (877) 735-0828 Fax: (705) 444-7233 www.claimspro.ca

Patterson Insurance Adjusters Inc. 317 Balsam Street, L9Y 5B9 Phone: (705) 293-3344 (24 hrs.) Bruce Patterson, BA, CIP, President www.pattersoninsuranceadjusters.ca bruce.patterson@sympatico.ca bruce@pattersoninsuranceadjusters.ca Serving: Simcoe County, including Owen Sound, Collingwood, Midland, Orillia & Barrie

ELLIOT LAKE Algom Insurance Adjusters 18 Brunswick Walk, P5A 2A8 Phone: (705) 848-3821 Fax: (705) 848-0344 Cheryl Sharratt, Adjuster; 705-848-6046 (Res) Blair Boilard, CIP, CFEI; 705-848-1585 (Res) algom@ontera.net Centrally located between Sudbury and Sault Ste. Marie. The distance between these two centres is 350 km.

ESPANOLA Algom Insurance Adjusters 77 Centre Street #2, P5E 1S4 Phone: (705) 869-2471 Fax: (705) 869-4613 Blair Boilard, CIP, CFEI; 705-848-1585 (Res) Cheryl Sharratt, Adjuster: 705-848-6046 (Res) algom@ontera.net Only 50 km from Manitoulin Island

EXETER TC Insurance Adjusters Ltd. 8A Wellington St. W., N0M 1S2 Phone: (226) 393-3555 Fax: (226) 735-3555

FORT ERIE Picano Claims Adjusters 450 Garrison Rd., Unit #1351, L2A 1M0 Phone: (905) 871-8444 Toll Free: 1-888-771-8444 Fax: (905) 871-2239 picanoclaims@gmail.com Raymond Picano Includes all areas of: Burlington, Hamilton, Grimsby, St. Catharines, Niagara, Simcoe, Ridgeway, Fort Erie

CI A A /A CEI CLAIMS MANUAL 2017

815 Williams Avenue, P9A 2R3 Phone: (800) 809-3096 Fax: (807) 274-1260 www.claimspro.ca

GUELPH Cunningham Lindsey Canada Claims Services Ltd. 291 Woodlawn Road West, Unit 1, N1H 7L6 Phone: (519) 822-7110 Fax: (519) 277-0906 www.cunninghamlindsey.com

HAMILTON Ally Adjusters Ltd. 616 Acadia Drive, L8W 3J7 Phone: (905) 902-7188 wilson.igwe@allyadjusters.com Wilson Igwe, CIP, CRM, FIFAA

Bannatyne & Company General Insurance Adjusters Ltd. 481 Main Street East, L8N 1K1 Phone: (905) 528-0661 (24 hour paging) Fax: (905) 528-9200 Toll Free: 1-800-667-3102 claims@bannatyneadjusters.com Bob Phipps, Alyson Harper, Karen Sunter

ClaimsPro 105 Main St. East, Suite 900, L8N 1G6 Phone: (800) 655-9114 Fax: (905) 972-0027 www.claimspro.ca

ClaimsPro 120 King Street West, Suite 660, L8P 4V2 Phone: (866) 249-2303 Fax: (905) 529-9838 www.claimspro.ca

Crawford & Company (Canada) Inc. Global Technical Services 4 Hughson St. South, 6th Floor, L8N 3Z1 Phone: (905) 529-9600 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 529-5902 Hamilton.Claims@crawco.ca Joseph Turcotte, CIP, Manager

Crawford & Company (Canada) Inc. Risk Management Services 4 Hughson St. South, 6th Floor, L8N 3Z1 Phone: (905) 524-5225 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 524-1223 Brett.Colville@crawco.ca Brett Colville, Manager

Crawford & Company (Canada) Inc. Broadspire Canada 4 Hughson St. South, 6th Floor, L8N 3Z1 Phone: (905) 526-2551 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 577-0005 Dan.Ogale@crawco.ca Dan Ogale, Manager

Cunningham Lindsey Canada Claims Services Ltd. 67 Frid Street, Unit 5, L8P 4M3 Phone: (905) 528-1481 Fax: (905) 529-1302 www.cunninghamlindsey.com

Cunningham Lindsey Canada Claims Services Ltd. 25 Main St. West, Suite 1800, L8P 1H1 Phone: (905) 521-0340 Fax: (905) 777-1903 www.cunninghamlindsey.com

DSB Claims 1 Hunter Street East, Ground Floor, L8N 3W1 Phone: (866) 856-6335 Mobile: (250) 609-0205 (24/7) Fax: (866) 641-3151 www.dsbclaims.com brian.lloyd@dsbclaims.com Brian Lloyd, BA (Hons.), CIP, CRM Branch Manager & Executive Adjuster Specializing in Property, Construction, Title, Bodily Injury and Liability

Kernaghan Adjusters Limited 22 Windsor Dr., P.O. Box 1001, (St. George), N0E 1N0 Phone: (905) 522-6116 Fax: (416) 251-3819 hamilton@kernaghan.com Servicing Hamilton, Brantford, Cambridge, Woodstock, Burlington, Oakville, Stoney Creek, Niagara, Grimsby, Simcoe, Port Dover and Cayuga www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Peter W. Doublard

ONTARIO

Ham ilton â€“ Kitchener/Waterloo 1063 King Street West, Suite 415, L8S 4S3 Phone: (905) 807-7921 Fax: (905) 528-8894 brian.greaves@resolutionclaims.ca www.resolutionclaims.ca Specialists in Professional Liability E&O, D&O, Technology, Liability and other complex liability claims.

HANOVER Doerr Claims Services Inc. 517 10th Street, Upper Level Unit 2, N4N 1R4 Phone: (519) 506-7983 Fax: (866) 577-5140 greg@doerrclaims.com Greg Doerr, CIP, President

HUNTSVILLE Crawford & Company (Canada) Inc. 4 - 12 High St., P1H 1N9 Phone: (705) 789-2366 (Nights/CLAIMSALERT 1-888-224-5677) Fax: (705) 789-7342 Huntsville.Claims@crawco.ca Mary Charman, CIP, Manager

KAPUSKASING ClaimsPro P.O. Box 123, P5N 2Y3 Phone: (877) 440-4034 Fax: (705) 337-1109 www.claimspro.ca

Crawford & Company (Canada) Inc. 9A Queen St., P5N 1G5 Phone: (705) 337-6565 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (705) 337-6530 Kapuskasing.Claims@crawco.ca Mike Bottan, CIP, CFEI, Manager

KENORA ClaimsPro 213 Main Street South, P.O. Box 421, P9N 3X4 Phone: (807) 468-2028 Fax: (807) 468-2029 www.claimspro.ca

Kernaghan Adjusters Limited 106-A 5th Avenue South, P9N 2A2 Phone: (807) 468-3053 Fax: (807) 468-3920 kenora@kernaghan.com Servicing: Northwestern Ontario, Dryden, Red Lake, Fort Frances, Sioux Lookout, Thunder Bay, and the Rainy River District www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Terri-Lynn Neniska, Branch Supervisor

KINGSTON ClaimsPro 1225 Gardiners Rd., Unit 109, K7P 0G3 Phone: (800) 832-5094 Fax: (613) 545-1129 www.claimspro.ca

Crawford & Company (Canada) Inc. 160 Binnington Court, Unit C, K7M 8N1 Phone: (613) 389-5209 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (613) 389-5990 Kingston.Claims@crawco.ca Nancy Brooks, Manager

Cunningham Lindsey Canada Claims Services Ltd. 1875 Bath Rd., P.O. Box 26013, K7M 4Y0 Phone: (613) 384-5564 Fax: (613) 384-0810 www.cunninghamlindsey.com

P.C.A. Adjusters Limited Property, Casualty, All Line Adjusters 234 Concession Street, Suite 201, K7K 6W6 Phone: (613) 544-9771 Toll Free: 1-866-544-9771 (24 Hours) Fax: (613) 544-3487 Toll Free Fax: 1-800-722-7896 (24 Hours) www.pca-adj.com Electronic Assignments: claims@pca-adj.com Servicing all of the Eastern Ontario Corridor Members: CIAA, OIAA, OVAA, CAFI, IAAI

KITCHENER ClaimsPro 4295 King Street East, Suite 201, N2P 0C6 Phone: (877) 799-2171 Fax: (519) 653-9799 www.claimspro.ca

Crawford & Company (Canada) Inc.

Listings

Resolution Claims Services Inc.

Head Office 539 Riverbend Dr., N2K 3S3 Phone: (519) 578-5540 Toll Free:1-800-267-5540 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (519) 578-2868 Michael.Mcleod@crawco.ca Michael McLeod, CIP, Manager (Waterloo/Wellington Region)

Cunningham Lindsey Canada Claims Services Ltd. 460 Frederick Street, Suite 202, N2H 2P5 Phone: (519) 578-5020 Fax: (519) 578-6050 www.cunninghamlindsey.com

DSB Claims 55 King Street West, 7th Floor, N2G 4W1 Phone: (866) 856-6335 Mobile: (250) 609-0205 (24/7) Fax: (866) 641-3151 www.dsbclaims.com brian.lloyd@dsbclaims.com Brian Lloyd, BA (Hons.), CIP, CRM Branch Manager & Executive Adjuster Specializing in Property, Construction, Title, Bodily Injury and Liability

KITCHENER/WATERLOO Hanselman Claims Inc. (HCI) 139 Grand River Street N., (Paris), N3L 3E7 Phone: (844) 648-1501 (24 Hrs.) kevin@hanselmanclaims.com www.hanselmanclaims.com Kevin C. Hanselman, B.A., CIP President *Heavy trucking and cargo expert *Commercial auto, property and general liability *Farm - property, stock and equipment

CI A A /A CEI CLAIMS MANUAL 2017

ONTARIO

Listings

L i n d s a y / Ci t y o f K a wa rth a La k e s – Miss is s auga

LINDSAY/CITY OF KAWARTHA LAKES R. Ian Pepper Insurance Adjusters Inc. 194 Lindsay Street North, K9V 1T9 ICS only: 16 Russell St. West, (Lindsay), K9V 2W7 Phone: (705) 324-9455 Fax: (705) 324-6314 Toll Free: 1-866-633-6340 info@pepperadjusters.com Ian Pepper, FIIC, CLA, FCIAA; David O’Neill, CIP; Laurie Pepper-O’Neill, CIP Serving Keswick, Sutton, Peterborough, Port Hope, Cobourg, Fenelon Falls, Bobcaygeon, Beaverton, Minden, Haliburton & Bancroft

LONDON ClaimsPro 746 Base Line Rd. E., Suite 210, N6C 5Z2 Phone: (888) 657-3500 Fax: (519) 645-2250 www.claimspro.ca

Crawford & Company (Canada) Inc. 1 - 150 Kent Street, N6A 1L3 Phone: (519) 432-3747 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (519) 432-6053 London.Claims@crawco.ca Keith Marentette, B. Comm (Hons), Manager

Cunningham Lindsey Canada Claims Services Ltd. 1240 Commissioners Road West, Suite 206, N6K 1C7 Phone: (519) 432-8335 Fax: (519) 432-0054 www.cunninghamlindsey.com

DSB Claims 380 Wellington St., Tower B, 6th Floor, N6A 5B5 Phone: (866) 856-6335 Mobile: (416) 400-8933 (24/7) Fax: (866) 641-3151 www.dsbclaims.com dara.banga@dsbclaims.com Dara Banga, FCIP, CFEI President & Chief Adjusting Officer Specializing in High Net Worth, Personal & Commercial, Property, Transportation and Title Claims

TC Insurance Adjusters Ltd. 566 Queens Ave., N6B 1Y8 Phone: (519) 663-0700 Fax: (519) 663-9952 tc@tcia.ca Trevor Cortese, CIP CI A A /A CEI CLAIMS MANUAL 2017

MISSISSAUGA Claims Tech (Canada) Inc. 2800 Skymark Ave., Suite #300, L4W 5A6 Phone: (905) 568-8060/(905) 567-8060 Nights: (647) 780-5295/(647) 303-4907 Fax: (888) 239-3234 info@claimstech.ca/intake@ claimstech.ca Executive General Adjuster: Balu Naidu, B.Comm., FCIP, CRM

ClaimsPro 1550 Enterprise Road, Suite 310, L4W 4P4 Phone: (877) 753-0753 Fax: (905) 565-0009 www.claimspro.ca

ClaimsPro Marine Recoveries 1550 Enterprise Road, Suite 310, L4W 4P4 Phone: (800) 668-6100 Fax: (905) 671-1889 www.claimspro.ca

ClaimsPro National Claims Unit 1550 Enterprise Road, Suite 310, L4W 4P4 Phone: (905) 564-0654 Fax: (416) 956-7084 www.claimspro.ca

ClaimsPro 1550 Enterprise Road, Suite 310, L4W 4P4 Phone: (877) 753-0753 Fax: (905) 671-1889 www.claimspro.ca

ClaimsPro 3660 Hurontario Street, Suite 601, L5B 3C4 Phone: (866) 714-0001 Fax: (905) 279-5338 www.claimspro.ca

ClaimsPro 1550 Enterprise Road, Suite 310, L4W 4P4 Phone: (800) 668-6100 Fax: (905) 671-1889 www.claimspro.ca

Crawford & Company (Canada) Inc. Human Risk Services 400 - 90 Matheson Blvd. W., L5R 3R3 Phone: (905) 602-9511 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 602-6956 NewHumanRiskClaims@crawco.ca Anthony Magagna, BA, CIP, CRM, CHSO, Manager

Crawford & Company (Canada) Inc. National Claims Management Centre 400 - 90 Matheson Blvd. W., L5R 3R3 Phone: (905) 602-6267 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 602-6956 Noel.Dunne@crawco.ca Noel Dunne, Manager

Crawford & Company (Canada) Inc. Personal Lines 400 - 90 Matheson Blvd. W., L5R 3R3 Phone: (905) 206-2202 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 602-6956 NewCrawfordClaims@crawco.ca Julio DaConceicao, Manager

Crawford & Company (Canada) Inc. 110 Matheson Blvd. W., Suite 301, L5R 4G7 Phone: (905) 568-7550 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 568-7830 Mississauga.Claims@crawco.ca Kelly Stevens, CIP, Manager

Cunningham Lindsey Canada Claims Services Ltd. 50 Burnhamthorpe Road West, Suite 1102, L5B 3C2 Phone: (905) 896-8181 Fax: (905) 896-0775 corpservices@cl-na.com www.cunninghamlindsey.com

Integrated Insurance Resources 214 - 5080 Timberlea Blvd., L4W 4M2 Phone: (905) 238-4985 Fax: (905) 238-2735 jseyler@integrated-ins.ca www.integrated-ins.ca John Seyler, CIP, President

Kellow & Associates Inc. Claims Consultants & Insurance Adjusters 5805 Whittle Road, Suite 6, L4Z 2J1 Phone: (800) 611-4011 Fax: (800) 611-4011 infokellow@bellnet.ca President: David P. Kellow, FCIP, CFE dpkellow@bellnet.ca

ONTARIO

Mis s is s auga â€“ Os haw a

#29 - 1100 Central Parkway West, L5C 4E5 Phone: (905) 279-6192 Toll Free: 1-866-668-7034 Afterhours: (416) 471-2026 Fax: (905) 279-4633 www.maximumadjusters.net jeffrey@maximumadjusters.net Rob Jeffrey, CIP, BBM

McKeon & Associates Adjusting Company 1432 Alexandra Avenue, L5E 2B1 Phone: (416) 459-2049 www.maaac.ca david@maaac.ca David McKeon, CIP, President

NSA Claims Inc. 1100 Central Parkway West, Unit 38, 2nd Floor, L5C 4E5 Phone: (416) 477-3443 Nights: (416) 567-2355 Toll Free: 1-888-638-2967 Fax: (888) 638-2967 nstagliano@nsaclaims.com Nick Stagliano, CIP smastromatteo@nsaclaims.com Scott Mastromatteo, CIP www.nsaclaims.com

TC Insurance Adjusters Ltd. 6-2400 Dundas Street West, Suite 388, L5K 2R8 Phone: (877) 663-0701 Fax: (905) 916-0242

MOUNT FOREST Thomson Insurance Adjusters Inc. 514 Main St., L9W 0B3 Phone: (519) 217-6950 www.thomsonadjustersinc.ca thomson.adjusters@yahoo.ca Branch Office Send all correspondence to Orangeville, ON head office

NEW LISKEARD Crawford & Company (Canada) Inc. 114 Whitewood Ave., Box 280, P0J 1P0 Phone: (705) 647-6781 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (705) 647-6783 Mike.Bottan@crawco.ca NewLiskeard.Claims@crawco.ca Mike Bottan, CIP, CFEI, Manager

NEWMARKET

OAKVILLE

ClaimsPro

AZ Claims Services Inc.

16700 Bayview Avenue, Suite 211, L3X 1W1 Phone: (800) 465-3549 Fax: (905) 715-7113 www.claimspro.ca

Crawford & Company (Canada) Inc. 1 - 120 Mulock Dr., L3Y 7C5 Phone: (905) 898-0008 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 898-1705 Newmarket.Claims@crawco.ca Mary Charman, CIP, Manager

NIAGARA Leading Edge Claims Services Inc. P.O. Box 1399, 78 Highway 20 West, (Fonthill), L0S 1E0 Phone: (289) 897-8676 (Nights: (905) 704-9338) Fax: (289) 897-8677 jeff@leadingedgecs.ca www.leadingedgecs.ca Jeff Edge, CIP, CFEI Servicing all of the Greater Golden Horseshoe

NORTH BAY Adjusters SSA Limited 1025 Cassells Street, Box 1436, P1B 8K6 Phone: (705) 476-1474 Fax: (705) 476-8285 1-800-663-0355 - 24 Hours ssanbay@vianet.on.ca Steve Haws, Carmen Anello

ClaimsPro 510 Main Street East, Suite 202, P1B 1B8 Phone: (888) 488-5999 Fax: (705) 472-9728 www.claimspro.ca

Crawford & Company (Canada) Inc. 326 McIntyre St. W., P1B 2Z1 Phone: (705) 476-2120 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (705) 476-9280 NorthBay.Claims@crawco.ca Mike Bottan, CIP, CFEI, Manager

Cunningham Lindsey Canada Claims Services Ltd. 1646 Jocko Point Rd., P1B 8G5 Phone: (705) 474-7990 Fax: (705) 474-5434 www.cunninghamlindsey.com

P.O. Box 76041, 1500 Upper Middle Rd., Unit #3, L6M 3G3 Phone: (905) 825-0027 Fax: (905) 825-5543 richard@azclaims.ca Richard Swierczynski, B.A., CIP, President

Listings

Maximum Insurance Adjusters Inc.

ORANGEVILLE Crawford & Company (Canada) Inc. 75 First Street, Suite 243, L9W 5B6 Phone: (905) 898-0008 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 898-1705 Orangeville.Claims@crawco.ca Mary Charman, CIP, Manager

Kellow & Associates Inc. Claims Consultants & Insurance Adjusters 6 Zina Street, L9W 1E1 Phone: (519) 941-6223 Toll Free: 1-800-611-4011 Fax: (519) 941-6223 Toll Free Fax: 1-800-611-4011 infokellow@bellnet.ca President: David P. Kellow, FCIP, CFE dpkellow@bellnet.ca

Thomson Insurance Adjusters Inc. 200 Kingfisher Drive, Unit 27, (Mono), L9W 0B3 Phone: (519) 942-0224 Cell: (519) 217-6950 www.thomsonadjustersinc.ca thomson.adjusters@yahoo.ca Head Office - mailed documentation should be sent here for all branches

OSHAWA Cunningham Lindsey Canada Claims Services Ltd. 633 King Street East, Suite 202, L1H 1G3 Phone: (905) 723-8541 Fax: (905)723-2065 www.cunninghamlindsey.com

DSB Claims 1288 Ritson Road North, Suite 357, L1G 8B2 Phone: (866) 856-6335 Mobile: (416) 788-7521 (24/7) Fax: (866) 641-3151 www.dsbclaims.com neil.castonguay@dsbclaims.com Neil Castonguay, BA (Econ.), CIP Branch Manager & Executive Adjuster Specializing in Property, Bodily Injury, Transportation and Liability CI A A /A CEI CLAIMS MANUAL 2017

ONTARIO

Listings

Os h a w a – Pe te rb o ro u g h

Kernaghan Adjusters Limited 282 - 17 1300 King Street East, L1H 8J4 Phone: (905) 260-3472 Fax: (905) 433-7045 oshawa@kernaghan.com Servicing: Clarington, Whitby, Ajax, Lindsay, Uxbridge, Port Perry, Port Hope, Cobourg, Brighton, Trenton, and Kawartha Lake www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) G. Scott Brown

OTTAWA ClaimsPro 103 - 1737 Woodward Drive, K2C 0P9 Phone: (800) 267-3542 Fax: (613) 798-1810 www.claimspro.ca

Crawford & Company (Canada) Inc. 285 & 295 - 955 Green Valley Crescent, K2C 3V4 Phone: (613) 233-5661 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (613) 233-5665 Ottawa.Claims@crawco.ca Nancy Brooks, CIP, Manager

Crawford & Company (Canada) Inc. Class Action Services 285 & 295 - 955 Green Valley Crescent, K2C 3V4 Phone: (613) 564-7194 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (613) 569-1763 Kevin.OConnell@crawco.ca Kevin O’Connell, Manager

Cunningham Lindsey Canada Claims Services Ltd. 177 Colonnade Road South, Suite 100, K2E 7J4 Phone: (613) 728-9600 Fax: (613) 728-2922 www.cunninghamlindsey.com

P.C.A. Adjusters Limited Property, Casualty, All Line Adjusters The Chambers of Queensview, 2725 Queensview Drive, Suite 100, K2B 0A1 Phone: (613) 726-9556 Toll Free: (800) 722-9556 (24 Hrs) Fax: (613) 726-0000 Toll Free Fax: (800) 722-7896 (24 Hrs) www.pca-adj.com Electronic Assignments: claims@pca-adj.com Servicing all of the Eastern Ontario Corridor Members: CIAA, OIAA, OVAA, CAFI, IAAI

David A. Roy Adjusters Ltd. 5 - 2020 Lanthier Drive, K4A 3V4 Phone: (613) 833-8380 Fax: (613) 833-1884 droy@daradjusters.com David A. Roy, B.A., FCIP, President

Upright Claims Services Ltd. 8A Sweetnam Drive, Suite 120, K2S 1G2 Phone: (613) 836-4660 (24 Hours/7 days a week) Fax: (613) 509-1358 dave.friesen@uprightclaims.com www.uprightclaims.com David Friesen, B.A. (Hon.), CIP, CRM, President

OWEN SOUND Crawford & Company (Canada) Inc. 208 - 345 8th St. E., N4K 1L3 Phone: (519) 371-2252 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (519) 376-4777 OwenSound.Claims@crawco.ca Michael McLeod, CIP, Manager

Cunningham Lindsey Canada Claims Services Ltd. 1717 2nd Ave. East, Suite 103, N4K 6V4 Phone: (519) 376-7590 Fax: (519) 376-7908 www.cunninghamlindsey.com

PEMBROKE D.R. Siegel Insurance Adjusters Limited 129 Beckett View Drive, K8A 6W2 Phone: (613) 638-2400 Fax: (613) 638-2402 Pager: (613) 635-6410 siegadj@nrtco.net Diane R. Siegel, CIP, President

CI A A /A CEI CLAIMS MANUAL 2017

PETAWAWA ClaimsPro 12 East Street, K8H 2N8 Phone: (877) 687-2652 Fax: (613) 687-7214 www.claimspro.ca

PETERBOROUGH Claim Xperts Inc. 1746 Redwood Drive, K9K 1L8 Phone: (705) 743-9000 Fax: (705) 743-9008 PaulMorin@claimxperts.ca Paul Morin, CIP, President www.claimxperts.ca

ClaimsPro 9 - 637 The Queensway, K9J 7J6 Phone: (866) 831-1852 Fax: (705) 740-2296 www.claimspro.ca

Crawford & Company (Canada) Inc. 9 - 1600 Lansdowne Street West, K9J 7C7 Phone: (705) 876-1797 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (705) 876-1807 Peterborough.Claims@crawco.ca Brian Hambly, Manager

Cunningham Lindsey Canada Claims Services Ltd. 637 The Queensway, Unit 12, K9J 7J6 Phone: (705) 876-9620 Fax: (705) 876-7805 www.cunninghamlindsey.com

DSB Claims 459 George Street North, K9H 3R6 Phone: (866) 856-6335 Mobile: (647) 622-9674 (24/7) Fax: (866) 641-3151 www.dsbclaims.com balvinder.cheema@dsbclaims.com Balvinder Cheema, BA, CIP, WRT Branch Manager & Executive Adjuster Specializing in High Net Worth, Personal & Commercial Property, Transportation and Title

Pearce Insurance Adjusters Inc. P.O Box 373, L0A 1G0 Phone: (416) 258-5153 (24 Hours) Fax: (855) 265-4310 tony@pearceinsuranceadjusters.com www.pearceinsuranceadjusters.ca Tony Pearce, BA, CIP, President All Lines Adjusters Servicing Toronto, Pickering, Ajax, Whitby, Oshawa, Cobourg, Belleville, Quinte, Peterborough, and Lindsay.

ONTARIO

Sarnia â€“ Tim m ins

Crawford & Company (Canada) Inc. 265 North Front Street, Suite 402, N7T 7X1 Phone: (519) 344-5277 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (519) 344-0163 Sarnia.Claims@crawco.ca David Bourke, BA, CIP, Manager

SAULT STE. MARIE ClaimsPro P.O. Box 20099, 150 Churchill Blvd., P6A 6W3 Phone: (866) 331-7862 Fax: (705) 949-3150 www.claimspro.ca

Crawford & Company (Canada) Inc. 102A - 180 Bay St., P6A 6S2 Phone: (705) 942-1300 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (705) 942-3060 SaultSte.Marie.Claims@crawco.ca David Marshall, BA, Manager

Cunningham Lindsey Canada Claims Services Ltd. 369 Queen Street East, Suite 307, P6A 1Z4 Phone: (705) 942-0324 Fax: (705) 942-8175 www.cunninghamlindsey.com

SIMCOE ClaimsPro 600 Norfolk Street North, 2nd Floor, N3Y 5M1 Phone: (800) 300-0089 Fax: (519) 426-5038 www.claimspro.ca

Cunningham Lindsey Canada Claims Services Ltd.

235 Martindale Road, L2W 1A5 Phone: (905) 684-6444 Fax: (905) 684-5033 www.cunninghamlindsey.com

378 Whittaker St., #2, P3C 3X9 Phone: (705) 524-1661 Fax: (705) 524-2922 www.cunninghamlindsey.com

Kernaghan Adjusters Limited 602 - 1 St. Paul Street, L2R 7L3 Phone: (289) 786-1074 Fax: (289) 723-1979 stcatharines@kernaghan.com Servicing: Beamsville, Niagara-onthe-Lake, Crystal Beach, Pelham, Dunnville, Port Colborne, Fenwick, Ridgeville, Fort Erie, Smithville, Grimsby, St. Catharines, Hamilton, Stoney Creek, Lincoln, Vineland, Lowbanks, Wainfleet, Niagara Falls, Welland www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Marie Gallagher, FCIP, CRM, Branch Manager

STONEY CREEK OZA Adjusting Ltd. Office: 202 - 400 Jones Rd., L8E 5P4 Mailing Address: P.O. Box 271, (Grimsby), L3M 4G5 Phone: (905) 945-5471 Toll Free: 1-800-667-8263 Fax: (905) 945-3942 www.ozagroup.com oza@ozagroup.com

STRATFORD Cunningham Lindsey Canada Claims Services Ltd. 119 Albert Street, N5A 3K5 Phone: (519) 271-8810 Fax: (519) 271-7951 www.cunninghamlindsey.com

ST. CATHARINES

SUDBURY

ClaimsPro

55 King Street, Suite 501, L2R 3H5 Phone: (800) 729-7797 Fax: (905) 984-8290 www.claimspro.ca

Crawford & Company (Canada) Inc. Global Technical Services & Claims Services 300 - 55 King St., L2R 3H5 Phone: (905) 688-6391 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 684-0133 St.Catharines.Claims@crawco.ca Joseph Turcotte, CIP, Manager

430 Westmount Avenue, Unit D, P3A 5Z8 Phone: (877) 524-0030 Fax: (705) 524-0020 www.claimspro.ca

Crawford & Company (Canada) Inc. 1177 Barrydowne Road, P3A 3V4 Phone: (705) 524-3611 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (705) 524-3622 Sudbury.Claims@crawco.ca Ken Graham, BA, CIP, CFEI, Manager

Rocca Claims PO Box 40046 Long Lake Road, P3E 0B2 Phone: (705) 470-3007 Toll Free: (855) 470-3007 Fax: (705) 470-3006 claims@roccaclaims.com www.roccaclaims.com Giovanni Rocca, CIP - President Serving Northern Ontario and surroundings: North Bay, Sault Ste. Marie, Parry Sound, Muskoka, Bracebridge

Listings

SARNIA

THUNDER BAY ClaimsPro Balmoral Park Place, 203 - 920 Tungsten St., P7B 5Z6 Phone: (800) 530-8256 Fax: (807) 623-4777 www.claimspro.ca

ClaimsPro 121 May Street S., P7E 1A9 Phone: (800) 809-3096 Fax: (807) 274-1260 www.claimspro.ca

Crawford & Company (Canada) Inc. 395 Fort William Rd., 1st Floor, P7B 2Z5 Phone: (807) 344-1800 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (807) 344-1803 ThunderBay.Claims@crawco.ca Michael Bottan, CIP, CFEI, Manager

Cunningham Lindsey Canada Claims Services Ltd. #101 - 920 Tungsten St., P7B 5Z6 Phone: (807) 345-7676 Fax: (807) 345-7255 www.cunninghamlindsey.com

TIMMINS ClaimsPro P.O. Box 5125, (South Porcupine), P0N 1H0 Phone: (705) 235-2700 Fax: (705) 235-2711 www.claimspro..ca

CI A A /A CEI CLAIMS MANUAL 2017

ONTARIO

Listings

T i mmi n s â€“ To ro n to

Crawford & Company (Canada) Inc. 401 - 273 3rd Ave., P4N 1E2 Phone: (705) 267-4040 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (705) 268-4151 Timmins.Claims@crawco.ca Michael Bottan, CIP, CFEI, Manager

Cunningham Lindsey Canada Claims Services Ltd. 71 Balsam Street South, Unit 1, P4N 2C9 Phone: (705) 264-1223 Fax: (705) 267-8057 www.cunninghamlindsey.com

TORONTO Bussell Adjusters Inc. 120 Adelaide Street West, Suite 2500, M5H 1T1 Phone: (416) 644-6585 (24 Hours) Fax: (416) 621-5939 nbussell@rogers.com Neville Bussell, FCIP, FCLA, FCIAA, FIFAA, C. ARB.

Capital Claims Adjusters Limited 150 York Street, Suite 200, M5H 3S5 Phone: 1-866-550-0516 Fax: 1-866-725-4794 Omar Parris, FCIP, CRM omar@capitalclaims.ca Serving Toronto, the GTA and Golden Horseshoe

ClaimsPro 120 Adelaide Street West, Suite 2401, M5H 1T1 Phone: (888) 204-4726 Fax: (416) 360-7335 www.claimspro.ca

ClaimsPro Marine 175 Commerce Valley Dr. West, Suite 600, (Markham), L3T 7P6 Phone: (800) 361-2051 Fax: (905) 946-0171 www.claimspro.ca

ClaimsPro Metro Toronto 175 Commerce Valley Dr. West, Suite 600, (Markham), L3T 7P6 Phone: (800) 268-8080 Fax: (905) 695-6492 www.claimspro.ca

ClaimsPro Bell Claims 150 Commerce Valley Dr. West, (Markham), L3T 7Z3 Phone: (877) 252-5759 Fax: (905) 695-6483 www.claimspro.ca CI A A /A CEI CLAIMS MANUAL 2017

ClaimsPro National Accounts 175 Commerce Valley Dr. West, Suite 600, (Markham), L3T 7P6 Phone: (800) 268-8080 Fax: (866) 737-6769 www.claimspro.ca

ClaimsPro 33 Yonge Street, Suite 1101, M5E 1G4 Phone: (877) 279-2706 Fax: (416) 860-1244 www.claimspro.ca

Crawford & Company (Canada) Inc. 110 Matheson Blvd. W., Suite 301, (Mississauga), L5R 4G7 Phone: (905) 568-7550 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (905) 568-7830 TorontoWest.Claims@crawco.ca Kelly Stevens, CIP, Manager

Crawford & Company (Canada) Inc. Risk Management Services 300 - 123 Front St. W., M5J 2M2 Phone: (416) 364-6341 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (416) 364-6344 NewCrawfordClaims@crawco.ca Brett Colville, BA, CIP, Manager

Crawford & Company (Canada) Inc. 233 - 1099 Kingston Rd., (Pickering), L1V 1B5 Phone: (905) 420-0170 (Nights/CLAIMSALERT: 1-800-909-2270) Fax: (905) 420-1095 TorontoEast.Claims@crawco.ca Brian Hambly, CIP, Manager

Crawford & Company (Canada) Inc. Global Technical Services Commercial Claims Only 300 - 123 Front Street West, M5J 2M2 Phone: (416) 867-1188 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (416) 867-1925 Paul.Hancock@crawco.ca Paul Hancock, BSc, CIP, National Director

Crawford & Company (Canada) Inc. Legal Services 300 - 123 Front St. W., M5J 2M2 Phone: (416) 364-6341 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (416) 364-1641 Paul.Famula@crawco.ca Paul Famula, Manager

Crawford & Company (Canada) Inc. Specialty Lines/London Markets 300 - 123 Front St. W., M5J 2M2 Phone: (416) 957-5014 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (416) 364-6344 NewCrawfordClaims@crawco.ca Carrie Trudeau, Manager

Giannini Group Ltd. 7 Ingram Drive, #134, M6M 2L7 Phone: (647) 435-8639 Nights: (416) 618-8406 Fax: (416) 849-0638 gianninigroup@rogers.com Giuseppe Giannini, FCIP, CRM, President

Hanselman Claims Inc. (HCI) 75 Nipissing Road, P.O. Box 51054, (Milton), L9T 2P2 Phone: (416) 648-1501 (24 Hrs.) kevin@hanselmanclaims.com www.hanselmanclaims.com Kevin C. Hanselman, B.A., CIP President *Heavy trucking and cargo expert *Commercial auto, property and general liability *Farm - property, stock and equipment

Kernaghan Adjusters Limited 202 - 310 North Queen St., M9C 5K4 Phone: (416) 251-2311 Fax: (416) 251-3819 toronto@kernaghan.com Servicing: Greater Toronto, Burlington, Mississauga, Brampton, Richmond Hill, Markham, Oshawa, Pickering, Newcastle, Bowmanville, Wasaga Beach, Barrie, Newmarket, Keswick, Orillia and Gravenhurst www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Dennis N. Schembri, VP Ontario Operations

Maltman Group International 2001 Sheppard Avenue East, Suite 810, M2J 4Z8 Phone: (416) 492-4411 (24 hours) Fax: (416) 492-5657 claims@maltmans.com www.maltmans.com

ONTARIO

Toronto – Winds or

366 Adelaide Street West, Suite 700, M5V 1R9 Phone: (416) 593-4444 Nights: (866) 824-9940 Fax: (416) 593-4449 james.giffen@mgbclaims.com www.mgbclaims.com James Giffen

Pinnacle Adjusters Group Inc. 9030 Leslie Street, Suite 206, (Richmond Hill), L4B 1G2 Phone: (416) 362-0800 Fax: (416) 362-1808 ray@pinnacleadjusters.com www.pinnacleadjusters.com Ray Proctor, B.A., CIP

Resource Adjusters Group 255 Duncan Mill Road, Suite 604, M3B 3H9 Phone: (416) 848-7686 Nights: (416) 459-2023 Fax: (416) 946-1248 claims@resourceadjusters.com www.resourceadjusters.com Scott Clements, CIP, CFEI, FIFAA, President

Sedgwick CMS Canada Inc. 5915 Airport Road, Suite 201, (Mississauga), L4V 1T1 Phone: (905) 671-7834 Toll Free: 1-866-278-0310 Fax: (905) 671-7820 angela.veri@sedgwickcms.ca Angela Veri, SVP, Business Development www.sedgwickcms.ca

Thomson Insurance Adjusters Inc. 222 The Esplanade, Suite 502, M5A 4M8 Phone: (519) 217-6950 www.thomsonadjustersinc.ca thomson.adjusters@yahoo.ca Branch Office Send all correspondence to Orangeville, ON head office

Vericlaim Canada 5915 Airport Road, Suite 201, (Mississauga), L4V 1T1 Phone: (905) 671-7834 Toll Free: 1-888-601-6228 Fax: (905) 671-7819 angela.veri@vericlaim.ca Angela Veri, SVP, Business Development www.vericlaim.ca

TORONTO NORTH/ MARKHAM Cunningham Lindsey Canada Claims Services Ltd. 111 Granton Drive, Suite 220, (Richmond Hill), L4B 1L5 Phone: (905) 707-5527 Fax: (905) 764-3398 www.cunninghamlindsey.com

UXBRIDGE/ SUNDERLAND Williams Adjusting Inc. 10795 Sideroad 17, (Sunderland), L0C 1H0 Phone: (905) 852-9848 Cell: (905) 852-8392 Fax: (905) 852-0280 glen@williamsadjusting.com Glen Williams Serving Durham Region & surrounding areas

Crawford & Company (Canada) Inc. CLAIMSALERT® 315 - 180 King St. South, (Waterloo), N2J 1P8 Phone: (519) 593-2673 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (519) 578-4717 Jennifer.Virley@crawco.ca Jennifer Virley, MBA, FCIP, PMP, CIOP, Manager

Crawford & Company (Canada) Inc. Appraisal Management Services 180 King Street South, Suite 315, (Waterloo), N2J 1P8 Phone: (519) 579-4240 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (519) 579-5130 Anita.Zeitler@crawco.ca Anita Zeitler, Manager

WATERLOO

WHITBY

Curo Claims Services

Integrated Insurance Resources

125 Northfield Dr. W., P.O. Box 218, N2J 3Z9 Phone: (866) 952-2876 Fax: (519) 888-9704 www.curocanada.com mkuzyk@curocanada.com Monica Kuzyk, FCIP, CRM

WATERLOO/ WELLINGTON Crawford & Company (Canada) Inc. Class Action Services 180 King Street South, Suite 315, (Waterloo), N2J 1P8 Phone: (519) 578-4053 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (519) 578-4016 Michael.Mooney@crawco.ca Michael Mooney, Manager

Crawford & Company (Canada) Inc. Global Technical Services 180 King Street South, Suite 315, (Waterloo), N2J 1P8 Phone: (519) 571-0019 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (519) 571-1896 WaterlooWellington.Claims@crawco.ca Michael McLeod, CIP, Manager

Listings

MGB Claims Consultants Inc.

1801 Dundas Street East, P.O. Box 70595, L1N 9G3 Phone: (905) 723-6000 Fax: (905) 723-8000 Cell: (905) 449-4046 jscott@integrated-ins.ca www.integrated-ins.ca John Scott, Branch Manager

WINDSOR ClaimsPro 3100 Temple Drive, Suite 600, N8W 5J6 Phone: (800) 471-7636 Fax: (519) 258-6628 www.claimspro.ca

Crawford & Company (Canada) Inc. 418 - 3200 Deziel Dr., N8W 5K8 Phone: (519) 974-5911 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (519) 974-1846 Windsor.Claims@crawco.ca Keith Marentette, B. Comm (Hons), Manager

Cunningham Lindsey Canada Claims Services Ltd. 242 Lauzon Road, N8S 3L6 Phone: (519) 944-1811 Fax: (519) 944-6988 www.cunninghamlindsey.com

CI A A /A CEI CLAIMS MANUAL 2017

QUÃ‰BEC

Listings

CI A A /A CEI CLAIMS MANUAL 2017

QUÉBEC

Baie Com eau – Montreal

ClaimsPro 1 Place Lasalle, bureau 103, G4Z 1J8 Phone: (418) 296-2214 www.claimspro.ca

BERTHIERVILLE Versio Inc. 990, rue du Juge-Allard, J0K 1A0 Phone: (514) 255-1115 Fax: (514) 255-1115

BLAINVILLE Cunningham Lindsey Canada Claims Services Ltd. Blainville Claims Services Branch 10 Blvd. de la Seigneurie Est, Suite #206, J7C 3V5 Phone: (450) 420-8100 Fax: (450) 420-8129 www.cunninghamlindsey.com

Cunningham Lindsey Canada Claims Services Ltd. Joliette Claims Services Branch 10 Blvd. de la Seigneurie Est, Suite #206, J7C 3V5 Phone: (450) 420-8100 Fax: (450) 420-8129 www.cunninghamlindsey.com

BROSSARD Deschamps, Labrecque & Associés 4150, Matte #200, J4Y 2Z2 Phone: (450) 444-0771 Fax: (450) 444-0311 Robert Deschamps

Lague, Vary, & Associes 4005, Matte Local A-101, J4Y 2P4 Phone: (450) 619-9291 Fax: (450) 619-0120 Bertrand Vary

GASPÉ ClaimsPro C.P. 136, G4X 3B5 Phone: (418) 368-8203 www.claimspro.ca

GATINEAU ClaimsPro 510 boulevard Maloney Est, bureau 104, J8P 1E7 Phone: (888) 358-8858 Fax: (819) 663-8992 www.claimspro.ca

Crawford & Compagnie (Canada) Inc. 5100 rue Sherbrooke Est, Bureau 702, (Montreal), H1V 3R9 Phone: (888) 776-5511 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 748-2228 Gatineau.Claims@crawco.ca, Montreal.Claims@crawco.ca

Cunningham Lindsey Canada Claims Services Ltd. Gatineau Claims Services Branch 15 Buteau St, Suite 210, J8Z 1V4 Phone: (819) 776-3171 Fax: (819) 776-6075 www.cunninghamlindsey.com

GRANBY Lague, Vary, & Associés 20, Place du Lac, J2G 8V6 Phone: (450) 375-8725 Fax: (450) 372-4086 Luc Lague, Line Boissé, Jacques Paquette

ÎLE PERROT Les expertises Pierre Boursier 10, rue de l’ Anse, J7V 9A5 Phone: (514) 425-1325 Fax: (514) 425-1786 Pierre Boursier

LAVAL ClaimsPro 1200, boulevard Chomedey, bureau 700, H7V 3Z3 Phone: (866) 714-0003 Fax: (450) 688-6996 www.claimspro.ca

MATANE ClaimsPro C.P. 1031, G4W 3P7 Phone: (855) 562-0199 Fax: (418) 562-1399 www.claimspro.ca

MONT-LAURIER ClaimsPro 519 rue Carillon, J9L 1P8 Phone: (888) 358-8858 Fax: (819) 623-4913 www.claimspro.ca

Crawford & Compagnie (Canada) Inc. 5100 rue Sherbrooke Est, Bureau 702, (Montreal), H1V 3R9 Phone: (819) 623-4153 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 748-2228 Patrice.Janes@crawco.ca, Montreal.Claims@crawco.ca Patrice Janès, Directeur

JOLIETTE

MONTREAL

ClaimsPro

952 St-Louis, J6E 3A4 Phone: (866) 971-3855 Fax: (450) 756-1688 www.claimspro.ca

JONQUIERE ClaimsPro 1920, rue Davis, bureau 100, G7S 3B6 Phone: (800) 661-1953 Fax: (418) 542-9105 www.claimspro.ca

LASARRE Cunningham Lindsey Canada Claims Services Ltd. LaSarre Claims Services Branch 254A 3e Rue Est Bureau 106, J9Z 3B9 Phone: (819) 333-4090 Fax: (819) 333-3611 www.cunninghamlindsey.com

Listings

BAIE COMEAU

255 Crémazie Est, 2e étage, H2M 1M2 Phone: (800) 263-5361 Fax: (514) 342-5474 www.claimspro.ca

ClaimsPro Special Risks 255 Crémazie Est, 2e étage, H2M 1M2 Phone: (800) 263-5361 Fax: (514) 331-9446 www.claimspro.ca

ClaimsPro Bell Claims 255 Crémazie Est, 2e étage, H2M 1M2 Phone: (888) 882-8987 Fax: (877) 212-2228 www.claimspro.ca

ClaimsPro Montreal Programs 255 Crémazie Est, 2e étage, H2M 1M2 Phone: (888) 882-8987 Fax: (514) 331-9446 www.claimspro.ca CI A A /A CEI CLAIMS MANUAL 2017

QUÉBEC

Listings

M o n t r e a l – Q u é b e c C ity

ClaimsPro Westmount Montreal 4999, Ste-Catherine West, Suite 500, H3Z 1T3 Phone: (888) 485-5252 Fax: (514) 483-3957 www.claimspro.ca

ClaimsPro Westmount Special Risk 4999, Ste-Catherine West, Suite 500, H3Z 1T3 Phone: (888) 485-5252 Fax: (514) 483-3957 www.claimspro.ca

ClaimsPro 1400 Marie-Victorin, Suite 208, (Saint-Bruno-de-Montarville), J3V 6B9 Phone: (888) 744-0807 Fax: (450) 653-9450 www.claimspro.ca

Crawford & Compagnie (Canada) Inc. 702 - 5100 rue Sherbrooke Est, H1V 3R9 Phone: (514) 748-7300 pst. 7621 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 748-2228 Montreal.Claims@crawco.ca Luc Gnocchi, Directeur

Crawford & Compagnie (Canada) Inc. CLAIMSALERT® 702 - 5100 rue Sherbrooke Est, H1V 3R9 Phone: (514) 356-7501 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 351-4220 Tania.Santo@crawco.ca Tania Santo, Superviseur

Crawford & Compagnie (Canada) Inc. Gestions des risques 702 - 5100 rue Sherbrooke Est, H1V 3R9 Phone: (514) 748-7300 pst. 7615 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 748-2228 NewCrawfordClaims@crawco.ca Dana Sirois, Directrice

Crawford & Compagnie (Canada) Inc. Lignes sepecialisés/Marché de Londres 702 - 5100 rue Sherbrooke Est, H1V 3R9 Phone: (514) 748-7300 pst.7615 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 748-2228 NewCrawfordClaims@crawco.ca Dana Sirois, Directrice

Crawford & Compagnie (Canada) Inc. Unité télephonique 702 - 5100 rue Sherbrooke Est, H1V 3R9 Phone: (514) 748-7300 pst.7615 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 748-2228 NewCrawfordClaims@crawco.ca Dana Sirois, Directrice

Crawford & Compagnie (Canada) Inc. Services de recours collectifs 702 - 5100 rue Sherbrooke Est, H1V 3R9 Phone: (514) 748-9892 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 748-1736 Michael.Mooney@crawco.ca Michael Mooney, Directeur

Crawford & Compagnie (Canada) Inc. Services techniques mondiaux 702 - 5100 rue Sherbrooke Est, H1V 3R9 Phone: (514) 748-7656 pst.7656 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 748-2228 Claude.Nadeau@crawco.ca Claude Nadeau, Directeur

Cunningham Lindsey Canada Claims Services Ltd. Montreal Quebec Division Head Office, Claims Services Branch 1250 rue Guy, bureau 1000, H3H 2T4 Phone: (514) 938-5400 Fax: (514) 938-5445 www.cunninghamlindsey.com

Demers Experts en Sinistres Inc. 2001 Victoria #202, (St-Lambert), J4S 1H1 Phone: (450) 671-8000 Toll Free: 877-671-8008 Fax: (450) 671-4774 demers@demers-experts.com Michel Demers, CIP

CI A A /A CEI CLAIMS MANUAL 2017

Gravel, David & Rouleau 4030 St. Ambroise #323, H4C 2C7 Phone: (514) 846-6667 Fax: (514) 846-2002 Pierre David

Indemnipro 255, Boul. Crémazie Est, 2e étage, H2M 1M2 Phone: (514) 735-3561 #8952 Fax: (514) 735-8969

Yves Luc Perreault Inc. 560 Henri Bourassa Ouest, #301, H3L 1P4 Phone: (514) 332-8260 Fax: (514) 334-5985 Yves-Luc Perreault

QUÉBEC ClaimsPro Place Iberville Quatre, 2954 boul. Laurier, bureau 650, (Ville de Québec), G1V 4T2 Phone: (877) 651-3525 Fax: (418) 651-7850 www.claimspro.ca

Crawford & Compagnie (Canada) Inc. Services techniques mondiaux 303 - 1305 boul. Lebourgneuf, G2K 2E4 Phone: (418) 872-7050 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (418) 872-9553 QuebecCity.Claims@crawco.ca Jacques Béland, Directeur

Crawford & Compagnie (Canada) Inc. Gestion des sinistres 303 - 1305 boul. Lebourgneuf, G2K 2E4 Phone: (418) 872-7050 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (418) 872-9553 QuebecCity.Claims@crawco.ca Jacques Béland, Directeur

QUÉBEC CITY Agents De Rec. De L’est (Que.) Ltée 4530, Avenue Nicolas-Fouquet, G1P 1G3 Phone: (418) 871-2054 Roland L’Heureux

QUÉBEC

Québec City – Valley field

Quebec Claims Services Branch 2954 boul. Laurier, bureau 290, G1V 4T2 Phone: (418) 652-1550 Fax: (418) 652-9546 www.cunninghamlindsey.com

RIMOUSKI ClaimsPro 110, rue St-Germain Est, G5L 1A6 Phone: (866) 723-7865 Fax: (418) 724-0500 www.claimspro.ca

RIVIERE-DU-LOUP ClaimsPro C.P. 3, G4R 3Y7 Phone: (418) 605-0969 Fax: (418) 724-0500 www.claimspro.ca

ROUYN-NORANDA Cunningham Lindsey Canada Claims Services Ltd. C.P. 37 Rouyn, J9X 5C1 Phone: (819) 797-2441 Fax: (819) 797-2449 www.cunninghamlindsey.com

SAGUENAY Crawford & Compagnie (Canada) Inc. 2321 du Chemin de la Montagne, (Alma), G8B 5V2 Phone: (418) 480-1944 (Nights/CLAIMSALERT: 1-888-224-5677 Fax: (418) 480-2254 Jacques.Beland@crawco.ca Jacques Béland, Directeur

Cunningham Lindsey Canada Claims Services Ltd. Case postale 31012, Place Davis, (Jonquiére), G7S 6C2 Phone: (418) 412-3420 or (418) 548-3276 Fax: (418) 412-6105 www.cunninghamlindsey.com

SAINT-EUSTACHE Reclamations C. Berthiaume Inc. 44, Chemin d’Oka, J7R 1K5 Phone: (450) 491-6165 Fax: (450) 491-6230 Jacques A. Gauthier, Charles A. Berthiaume

SAINT-JÉRÔME

TROIS-RIVIÈRES

ClaimsPro

24 De La Gare, J7Z 2B5 Phone: (450) 438-9631 Fax: (450) 438-9176 www.claimspro.ca

Crawford & Compagnie (Canada) Inc. 5100 rue Sherbrooke Est, Bureau 702, (Montreal), H1V 3R9 Phone: (800) 407-3507 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 748-2228 St.Jerome.Claims@crawco.ca Montreal.Claims@crawco.ca France Paul, Directeur

SEPT-ÎLES ClaimsPro 854 Carrington, G4R 1Z8 Phone: (418) 968-0159 Fax: (418) 968-1336 www.claimspro.ca

SHERBROOKE ClaimsPro 4050, rue Lesage, bureau 202, J1L 0B6 Phone: (800) 567-5271 Fax: (819) 563-1224 www.claimspro.ca

Crawford & Compagnie (Canada) Inc. PO Box 566, J1C 1A1 Phone: (514) 748-7300 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (819) 845-5559 Jacques.Beland@crawco.ca Jacques Béland, Directeur

Cunningham Lindsey Canada Claims Services Ltd. Sherbrooke Claims Services Branch C.P. 36009, J1L 2L3 Phone: (819) 575-0626 Fax: (819) 575-0627 www.cunninghamlindsey.com

THETFORD MINES ClaimsPro

C.P. 26021, G8Y 7M1 Phone: (819) 841-0698 Fax: (819) 379-3022 www.claimspro.ca

Listings

Cunningham Lindsey Canada Claims Services Ltd.

ClaimsPro 580, Rue Barkoff, bureau 410, G8T 9T7 Phone: (819) 375-4737 Fax: (819) 375-0134 www.claimspro.ca

Crawford & Compagnie (Canada) Inc. 5100 rue Sherbrooke Est, Bureau 702, (Montreal), H1V 3R9 Phone: (514) 748-7300 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (514) 748-2228 Trois-Rivieres.Claims@crawco.ca, Montreal.Claims@crawco.ca France Paul, Directeur

Cunningham Lindsey Canada Claims Services Ltd. C.P. 22010 CP du Carrefour, G9A 4N0 Phone: (819) 694-0530 Fax: (819) 694-1016 www.cunninghamlindsey.com

VAL D’OR ClaimsPro 851, 5e Avenue, bureau 218, J9P 1C1 Phone: (866) 825-6040 Fax: (819) 825-0539 www.claimspro.ca

Cunningham Lindsey Canada Claims Services Ltd. Amos Claims Services Branch C.P. 561, J9P 4P5 Phone: (819) 874-4090 Fax: (819) 874-4091 www.cunninghamlindsey.com

VALLEYFIELD ClaimsPro 50, Jacques Cartier, bureau 202, J6T 4R3 Phone: (800) 363-5134 Fax: (450) 373-0439 www.claimspro.ca

222, boul. Frontenac Ouest, bureau 230, G6G 6N7 Phone: (418) 338-6061 Fax: (418) 335-6560 www.claimspro.ca

CI A A /A CEI CLAIMS MANUAL 2017

NEW BRUNSWICK

Listings

CI A A /A CEI CLAIMS MANUAL 2017

NEW BRUNSWICK

Bathurs t – F redericton

ClaimsPro 1199 St. Peter Avenue, Suite 301, E2A 3A1 Phone: (877) 384-1920 Fax: (506) 384-1822 www.claimspro.ca

ClaimsPro 1199 St. Peter Avenue, Suite 101, E2A 3A1 Phone: (800) 667-4302 Fax: (506) 548-4307 www.claimspro.ca

Crawford & Company (Canada) Inc. 502 - 270 Douglas Ave., E2A 1M9 Phone: (506) 548-4250 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (506) 548-4923 Bathurst.Claims@crawco.ca Pierre Roy, CIP, Manager

Réclamation Marsh Adjustment Limited 600 St-Anne Street, Suite 155, E2A 2N6 Phone: (506) 547-0040 Toll Free: 1-877-666-0040 (24 hr) Fax: (506) 547-0044 malbathurst@marshadj.com Head Office: Marsh AdjustmentBedford, Nova Scotia

CAMPBELLTON ClaimsPro 123 Water Street, Suite 208, E3N 1B2 Phone: (800) 759-7414 Fax: (506) 753-0061 www.claimspro.ca

CARAQUET Cunningham Lindsey Canada Claims Services Ltd. 20 Rue Du Portage, E1W 1B7 Phone: (506) 727-6866 Fax: (506) 727-6093 www.cunninghamlindsey.com

C. Landry Adjustment Ltd. 42 Blvd. St-Pierre West, P.O. Box 5696, E1W 1B7 Phone: (506) 726-1898 (Nights: 732-2875) Fax: (506) 726-1911 Cell: (506) 727-8053 clandry_adj@nb.aibn.com Claude E. Landry, AIIC Serving the areas of Caraquet, Shippagan, Lameque, Miscou, Neguac, Tracadie-Sheila and Grande-Anse, Bathurst

COCAGNE Charles-Edward Claim Service Ltd. 1930 Route 535, E4R 3H5 Phone: (506) 870-0249 (24 Hours) charlesgirouard@rogers.com Charles Edouard Girouard

Robichaud Claims Services 51 Bray Blvd., E4R 2G3 Phone: (506) 576-2063 Cell: (506) 381-0429 Fax: (506) 384-2186 robichaud.claims@gmail.com Leo Robichaud

EDMUNDSTON ClaimsPro 278 Victoria Street, E3V 2H9 Phone: (855) 735-7888 Fax: (506) 739-6884 www.claimspro.ca

ClaimsPro 596 St. Francois Street, E3V 1H3 Phone: (800) 963-9688 Fax: (506) 736-0892 www.claimspro.ca

Cunningham Lindsey Canada Claims Services Ltd. 407 rue Principale, (Saint-Leonard), E7E 2J1 Phone: (506) 735-5549 Fax: (506) 739-6725 www.cunninghamlindsey.com

Réclamation Marsh Adjustment Limited 480 A Numa Pichette Blvd., E3V 4L4 Phone: (506) 739-5866 Toll Free: 1-877-666-0040 Fax: (506) 739-7797 maledmundston@marshadj.com Guy Fournier, Manager Head Office: Marsh AdjustmentBedford, Nova Scotia

Listings

BATHURST

FREDERICTON AMG Claims Inc. 212 Queen Street, Unit 308, E3B 1A8 Phone: (506) 458-9000 Fax: (506) 458-9595 greg.potten@amgclaims.ca Cell: (506) 461-5398 Greg Potten, BPE, CIP, CFEI kelly.muise@amgclaims.ca Cell: (506) 292-1238 Kelly Muise, CIP, BA, ADpHRM

ClaimsPro 380 Alison Boulevard, E3C 0A9 Phone: (800) 963-9677 Fax: (506) 458-1314 www.claimspro.ca

Crawford & Company (Canada) Inc. 101 - 403 Regent St., E3B 3X6 Phone: (506) 452-1909 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (506) 452-1910 Fredericton.Claims@crawco.ca Pierre Roy, CIP, Manager

Réclamation Marsh Adjustment Limited 919 Prospect Street, Suite 104, E3B 2T7 Phone: (506) 472-5026 Toll Free: 1-877-666-0040 jrodeout@marshadj.com Head Office: Marsh AdjustmentBedford, Nova Scotia

CI A A /A CEI CLAIMS MANUAL 2017

NEW BRUNSWICK

Listings

Gr a n d F a l l s – S a in t Jo h n

GRAND FALLS ClaimsPro 218 Broadway Blvd., Suite 201, E3Z 2J9 Phone: (888) 859-5444 Fax: (506) 473-2208 www.claimspro.ca

Réclamation Marsh Adjustment Limited 65 Broadway Blvd., Suite 300, E3Z 2J6 Phone: (506) 473-6917 Toll Free: 1-877-666-0040 Fax: (506) 473-1418 malgrandfalls@marshadj.com Lise Frenette, Manager Head Office: Marsh AdjustmentBedford, Nova Scotia

MIRAMICHI ClaimsPro 6 Renaud Street, E1V 6T1 Phone: (800) 315-1922 Fax: (506) 773-9780 www.claimspro.ca

MONCTON ClaimsPro 85 Englehart Street, (Dieppe), E1A 8K2 Phone: (800) 561-3936 Fax: (506) 853-8501 www.claimspro.ca

Crawford & Company (Canada) Inc. 340 - 1133 St. George Blvd., E1E 4E1 Phone: (506) 863-0950 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (506) 863-0951 Moncton.Claims@crawco.ca Pierre Roy, CIP, Manager

CI A A /A CEI CLAIMS MANUAL 2017

Cunningham Lindsey Canada Claims Services Ltd. 1600 Main Street, Suite 240, E1E 1G5 Phone: (506) 857-8660 Fax: (506) 859-7399 www.cunninghamlindsey.com

Greater Moncton Adjustment Bureau Inc. 428 Champlain Street, (Dieppe), E1A 1P3 Phone: (506) 389-8377 Fax: (506) 389-8379 Toll Free: 1-877-903-8377 Paul R. Cyr, BBA, CIP, President/ General Manager, pcyrgmab@nb.aibn.com Serving the following areas within southeastern New Brunswick and northeastern Nova Scotia including: Moncton, Riverview, Dieppe, Bouctouche, Shediac, Cap Pele, Dorchester, Sackville, Petitcodiac, Richibucto, Rogersville, St-Louis-De-Kent, and Sussex, NB; Amherst, NS; Springhill, NS; Parrsboro, NS; Pugwash, NS; and Oxford, NS

Réclamation Marsh Adjustment Limited 236 St. George St., Suite 24, P.O. Box 86, E1C 1W1 Phone: (506) 854-4050 Toll Free: 1-877-666-0040 Fax: (506) 854-4060 malmoncton@marshadj.com Dan Laforest, Manager Head Office: Marsh AdjustmentBedford, Nova Scotia

Young’s Claim Service 36 Mollins Road, (Colpitts Settlement), E4J 2X6 Phone: (506) 857-9660 (Nights: (506) 372-4719) Fax: (506) 857-4166 gyoung@nbnet.nb.ca Graden B. Young Serving southeastern New Brunswick

SAINT JOHN ClaimsPro 12 Smythe Street, Suite 310, E2L 5G5 Phone: (800) 561-5818 Fax: (506) 634-0488 www.claimspro.ca

ClaimsPro 9943 - 100 Ave., V1J 1Y4 Phone: (888) 851-8188 Fax: (250) 787-9167 www.claimspro.ca

Crawford & Company (Canada) Inc. 717 Millidge Avenue, E2K 2N7 Phone: (506) 634-1024 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (506) 648-0112 SaintJohn.Claims@crawco.ca Pierre Roy, CIP, Branch Manager

Cunningham Lindsey Canada Claims Services Ltd. 14 King Street, Suite 120, E2L 1G2 Phone: (506) 634-2100 Fax: (506) 632-0809 www.cunninghamlindsey.com

PRINCE EDWARD ISLAND

Listings CI A A /A CEI CLAIMS MANUAL 2017

Listings

PRINCE EDWARD ISLAND Ch a r l o t t e t o w n â€“ S u m m e rs id e

CHARLOTTETOWN AMG Claims Inc. P.O. Box 20102 Sherwood, C1A 9E3 Phone: (902) 628-9091 Fax: (902) 628-9093 gary.ellis@amgclaims.ca Cell: (902) 213-6955 Gary A. Ellis, BBA, FCIP, RF, FCIAA, FCLA, FIFAA

ClaimsPro P.O. Box 24045, (Statford), C1B 2V5 Phone: (888) 653-6555 Fax: (902) 368-1250 www.claimspro.ca

Crawford & Company (Canada) Inc. 2 Harbourside Access Road, Suite 4, C1A 8R4 Phone: (902) 566-1011 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (902) 894-3044 Charlottetown.Claims@crawco.ca Richard Nicolle, Branch Manager

CI A A /A CEI CLAIMS MANUAL 2017

DeLong & Associates Inc. 94 Mt. Edward Road, C1A 5S6 Phone: (902) 892-2445 (24 Hours) Toll Free: 1-877-892-2445 (24 Hours) Fax: (902) 368-3256 claimsch@delongassociates.net www.delongassociates.net Peter J. Hammill, BBA, CIP; Jennifer McWilliams, CIP

STANHOPE CKS Holdings Inc. (Catastrophe Adjusting Services) 106 MacLauchlan Highlands, C0A 1P0 Phone: (902) 394-1554 Fax: (902) 892-5340 cksholdings@hotmail.com Specializing in Catastrophe Adjusting Services Wade Driscoll, President

STRATFORD Prince Edward Claims Services Inc. 25 Stratford Road, Suite 2, C1B 1T4 Phone: (902) 892-6899 Toll Free: (877) 505-6899 Fax: (902) 892-5340 claims@pecs.pe.ca www.pecs.pe.ca Randy Driscoll, BBA, FCIP; Richard Arsenault, CIP

SUMMERSIDE DeLong & Associates Inc. 3 Summer Street, C1N 3H3 Phone: (902) 436-9128 (24 Hours) Toll Free: 1-877-436-9128 (24 Hours) Fax: (902) 436-2742 claimsch@delongassociates.net www.delongassociates.net Don Crawford, BBA, FCIP

NOVA SCOTIA

Listings CI A A /A CEI CLAIMS MANUAL 2017

NOVA SCOTIA

Listings

An n a p o l i s Va lle y â€“ K e n tville

ANNAPOLIS VALLEY

HALIFAX

ClaimsPro

AMG Claims Inc.

7165 Evangeline Trail (Highway 1), Suite 202, (Coldbrook), B4R 1A2 Phone: (844) 681-4227 Fax: (902) 681-0286 www.claimspro.ca

ANTIGONISH ClaimsPro 18 Church Street, Suite 5, B2G 2C7 Phone: (844) 213-6442 Fax: (902) 863-6594 www.claimspro.ca

BRIDGEWATER Marsh Adjustment Limited 724 King Street, P.O. Box 310, B4V 2W9 Phone: (902) 543-3222 Fax: (902) 543-2864 malbridgewater@marshadj.com Graham Campbell, Branch Manager Head Office: Bedford, Nova Scotia After Hours: 1-800-290-0886

COLDBROOK Marsh Adjustment Limited 161 Coldbrook Village Park Drive, B4R 1B9 Phone: (902) 681-8958 Fax: (902) 681-6296 malnewminas@marshadj.com Mike Ward, Branch Manager Head Office: Bedford, Nova Scotia After Hours: 1-800-290-0886

DARTMOUTH Action Investigations 2 Catelina Court, B2X 3G9 Phone: (902) 462-1222 Fax: (902) 462-3688 richardvanhorne@ actioninvestigations.ca R.D. Van Horne, CIP, Managing Director

DARTMOUTH/HALIFAX Crawford & Company (Canada) Inc. 120 - 237 Brownlow Ave., (Dartmouth), B3B 2C7 Phone: (902) 468-7787 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (902) 468-5822 HalifaxDartmouth.Claims@crawco.ca Walter Tingley, CIP, Manager CI A A /A CEI CLAIMS MANUAL 2017

6380 Lady Hammond Road, B3K 2S3 Phone: (902) 406-1400 Fax: (902) 406-1401 andy.williams@amgclaims.ca Cell: (902) 456-7316 Andrew Williams, FCIP, B. Comm., President mike.sieber@amgclaims.ca Cell: (902) 476-8957 Mike Sieber, B. Comm., FCIP nick.macdonald@amgclaims.ca Cell: (902) 476-7327 Nick MacDonald, CIP mike.bennett@amgclaims.ca Cell: (902) 476-1771 Mike Bennett, FCIP, CRM, BBA Branch Offices: Fredericton, NB; Charlottetown, PE

ClaimsPro 238 Brownlow Avenue, Suite 300, (Dartmouth), B3B 1Y2 Phone: (877) 514-6269 Fax: (902) 425-9918 www.claimspro.ca

Cunningham Lindsey Canada Claims Services Ltd. 11 Morris Drive, Suite 200, (Dartmouth), B3B 1M2 Phone: (902) 421-1519 Fax: (902) 429-7296 www.cunninghamlindsey.com

EECM Ltd. (Emergency & Environmental Claims Management) 5 First Ave., (Middle Sackville), B4E 3B5 Phone: (902) 482-3350 Nights: (902) 222-6889 http://www.ee-cm.ca pheydenrych@ee-cm.ca Pieter Heydenrych, CIP Specialty: Environmental, Property & Cargo losses Local service area incudes mainland Nova Scotia

Integral-Adjuster P.O. Box 81, (Newport), B0N 2A0 Phone: (902) 225-8808 (24/7/365) Fax: (902) 428-8808 jim@i-a.ca Jim W. Coolen, CIP, Claims Professional Specialty: Urgent Assignments & Catastrophes Local service area includes mainland Nova Scotia

Kernaghan Adjusters Limited 710 - 6009 Quinpool Rd., B3K 5J7 Phone: (902) 429-3440 Fax: (902) 425-0787 halifax@kernaghan.com Servicing: Mainland Nova Scotia and Southern Cape Breton www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Phil Harris, BA, FCIP, Nova Scotia Regional Manager

Marsh Adjustment Limited 1550 Bedford Highway, Suite 711, (Bedford), B4A 1E6 Toll Free:1-800-290-0886 (in North America) Phone: (902) 469-3537 Fax: (902) 469-2396 Chris Geddes, Branch Manager malmetro@marshadj.com Head Office James R. Matheson, President & General Manager www.marshadj.com Br. Offices: Antigonish, Bridgewater, Kentville, Lawrencetown, Sydney, Truro, Yarmouth, NS; Bathurst, Edmunston, Grand Falls, Moncton, NB

G.E. Morgan Adjusters Limited 1550 Bedford Highway, Suite 711, (Bedford), B4A 1E6 Phone: (902) 429-4560 Toll Free: 1-800-290-0886 Fax: (902) 469-2396 cgeddes@gemorgan.com or gemadjusters@gemorgan.com Chris Geddes, Branch Manager

KENTVILLE Crawford & Company (Canada) Inc. B4 - 10 Webster St., Kentville Town Square, B4N 1H7 Phone: (902) 678-7850 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (902) 678-7515 Kentville.Claims@crawco.ca Walter Tingley, CIP, Manager

Cunningham Lindsey Canada Claims Services Ltd. P.O. Box 805, B4N 4H8 Phone: (902) 678-1400 Fax: (902) 678-1490 www.cunninghamlindsey.com

NOVA SCOTIA

L aw rencetow n â€“ Yarm outh

SYDNEY

TRURO

Marsh Adjustment Limited

ASAP Claims Adjusting Limited

Marsh Adjustment Limited

108 Lawrencetown Lane, P.O. Box 28, B0S 1M0 Phone: (902) 584-2221 Fax: (902) 584-7233 mallawrencetown@marshadj.com Mike Ward, Branch Manager Head Office: Bedford, Nova Scotia After Hours: 1-800-290-0886

NEW GLASGOW ClaimsPro 115 MacLean Street, 2nd Floor, B2H 4M5 Phone: (855) 752-2581 Fax: (902) 752-3365 www.claimspro.ca

Cunningham Lindsey Canada Claims Services Ltd. 342 Stewart St., Unit 2, B2H 2R7 Phone: (902) 755-4190 Fax: (902) 752-4429 www.cunninghamlindsey.com

STELLARTON Crawford & Company (Canada) Inc. 2 - 195 North Foord St., B0K 1S0 Phone: (902) 752-9388 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (902) 752-9375 Stellarton.Claims@crawco.ca Walter Tingley, CIP, Manager

82 MacKenzie Drive, B1R 2H2 Phone: (902) 563-6264 Nights: (902) 567-2241 Fax: (902) 567-0587 berniehanratty@asapclaims.com Bernie Hanratty, CIP, President

ClaimsPro 506 Charlotte Street, B1P 1E7 Phone: (866) 936-8666 Fax: (902) 562-6616 www.claimspro.ca

Crawford & Company (Canada) Inc. 210 - 500 Kings Road, B1S 1B1 Phone: (902) 564-4519 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (902) 539-0071 Sydney.Claims@crawco.ca Mike Tobin, BA, Manager

Kernaghan Adjusters Limited 30 Green Meadows Drive, B1L 1C7 Phone: (902) 567-2903 Fax: (902) 425-0787 sydney@kernaghan.com Servicing: Cape Breton Island and Antigonish areas www.kernaghan.com 24/7 National Service 1.800.387.LOSS (5677) Phil Harris, BA, FCIP, Nova Scotia Regional Manager

38 Young Street, P.O. Box 370, B2N 5C5 Phone: (902) 893-9402 Fax: (902) 893-3597 maltruro@marshadj.com Ron Burke, Branch Manager Head Office: Bedford, Nova Scotia After Hours: 1-800-290-0886 Also serving Amherst, New Glasgow and Port Hawkesbury

Listings

LAWRENCETOWN

YARMOUTH Crawford & Company (Canada) Inc. 99 Water St., B5A 4P5 Phone: (902) 742-2021 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (902) 742-5453 Yarmouth.Claims@crawco.ca Walter Tingley, CIP, Manager

Marsh Adjustment Limited 38C John Street, P.O. Box 153, B5A 4B2 Phone: (902) 742-2444 Fax: (902) 742-0024 malyarmouth@marshadj.com Head Office: Bedford, Nova Scotia After Hours: 1-800-290-0886

Marsh Adjustment Limited 295 George Street, Suite 201, P.O. Box 224, B1P 6H1 Phone: (902) 539-3820 Fax: (902) 562-7445 Janet Ley, CIP, Branch Manager malsydney@marshadj.com Head Office: Bedford, Nova Scotia After Hours: 1-800-290-0886 Also serving Port Hawkesbury area

CI A A /A CEI CLAIMS MANUAL 2017

NEWFOUNDLAND / LABRADOR

Listings

CI A A /A CEI CLAIMS MANUAL 2017

NEWFOUNDLAND / LABRADOR

Clarenv ille – St. John’ s

GRAND FALLS/WINDSOR

ClaimsPro

82 Airport Blvd., PO Box 407, A1V 2M7 Phone: (855) 814-1544 Fax: (709) 256-4322 www.claimspro.ca

CORNER BROOK ClaimsPro 14 Main Street, Suite 310, A2H 1B8 Phone: (866) 634-5552 Fax: (709) 634-2180 www.claimspro.ca

Cunningham Lindsey Canada Claims Services Ltd. 4 Herald Avenue, Suite 502, A2H 4B4 P.O. Box 695, A2H 6G7 Phone: (709) 639-7545 Fax: (709) 639-8955 www.cunninghamlindsey.com

GANDER ClaimsPro 82 Airport Blvd., P.O. Box 407, A1V 1W8 Phone: (800) 563-9311 Fax: (709) 256-4322 www.claimspro.ca

3100 Temple Drive, Suite 600, N8W 5J6 Phone: (800) 471-7636 Fax: (519) 258-6628 www.claimspro.ca

Cunningham Lindsey Canada Claims Services Ltd. 2A Mill Road, P.O. Box 276, (Grand Falls), A2A 2J7 Phone: (709) 489-7966 Fax: (709) 489-5169 www.cunninghamlindsey.com

ST. JOHN’S ClaimsPro 27 Duffy Place, P.O. Box 8686, Station A, A1B 3T1 Phone: (866) 726-7815 Fax: (709) 726-6106 www.claimspro.ca

Colonial Adjusting & Appraisal Services 85 Thorburn Road, P.O. Box 13366, A1B 4B7 Phone: (709) 757-0255 Nights: (709) 364-8944 Fax: (709) 757-0260 Toll Free: (800) 260-1794 rbutt@colonialadjusting.com Reginald G. Butt, FCIP, Manager

Crawford & Company (Canada) Inc. 96 Clyde Avenue, Suite 310, (Mount Pearl), A1N 4S2 Phone: (709) 753-6351 (Nights/CLAIMSALERT: 1-888-224-5677) Fax: (709) 753-6129 St.Johns.Claims@crawco.ca Shelley Landry, CIP, Branch Manager

Listings

CLARENVILLE

Cunningham Lindsey Canada Claims Services Ltd. 15 Hallet Cres., #204, A1B 4C4 Phone: (709) 753-7700 Fax: (709) 753-2956 www.cunninghamlindsey.com

Insurance Consulting and Mediation Services Ltd. 14 Sheffield Place, A1A 4N9 Phone: (709) 690-4381 Fax: (709) 739-5157 icmsltd@outlook.com Gary L. Baird, FCIP, Principal

Pike and Associates Adjusting Ltd. 16 Sir Albert Walsh Drive, (Holyrood), A0A 2R0 P.O. Box 437, (Holyrood), A0A 2R0 Phone: (709) 229-1780 Fax: (709) 229-1911 pikeandassociates@bellaliant.net Arnold Pike, FCIP, President

CI A A /A CEI CLAIMS MANUAL 2017

Listings

INTERNATIONAL

AUSTRIA

CHILE

INDIA

INNSBRUCK

SANTIAGO

MUMBAI

Gaudenzi Loss Adjusters

Organization Mueschen & Co. Ltd.

Wiz & Associates

Geyrstrasse 51, A-6020 Phone: (43) 512-348105 Fax: (43) 512-342761 office@gaudenzi.at www.gaudenzi.at

CI A A /A CEI CLAIMS MANUAL 2017

Dr. Manuel Barros Borgono 71, Of. 601 Phone: (56) 226.96.77.84 / 226.98.46.48 24 Hrs Mobile: 56-9-92 38 57 13 Fax: (56) 226.96.77.84 ormus@mueschen.cl www.mueschen.cl Multiple Lines

G-1, Guliana Mansion, Plot No. 475, 13th Road, Chembur, Maharashtra, 400 071 Phone: (091) 022-6561 6566 Mobile: +98211 22689 contact@wizindia.com www.wizindia.com

U.S.A.

Alabam a: Birm ingham â€“ California: Sacram ento

ARIZONA

BIRMINGHAM

KINGMAN

AmeriClaim

51 Oak Grove Rd., 30179 Phone: (404) 245-8008 Fax: (888) 554-5531 birmingham@americlaim.com www.AmeriClaim.com

ALASKA ANCHORAGE Alaska Adjusters, LLC 213 East Dimond Blvd., 99515 Phone: (907) 348-0808 Nights: (907) 240-3001 Fax: (877) 809-4435 claims@alaska.net www.alaskaadjusters.com David LeNorman, NFIP Certified, FEMA Inspector Serving the entire State of Alaska

3667 Stagecoach Drive, 86401 Phone: (888) 683-5040 Fax: (928) 395-7862 kingman@americlaim.com www.AmeriClaim.com

PHOENIX AmeriClaim 11445 E Via Linda 2-497, (Scottsdale), 85259 Phone: (480) 563-3838 Fax: (480) 563-3939 phoenix@americlaim.com www.AmeriClaim.com

Koning and Associates 4600 E. Washington St., #300, 85034 Phone: (602) 253-4605 www.koning.us Head Office: San Jose, CA

TUCSON

ARKANSAS FAYETTEVILLE AmeriClaim PO Box 4035, 72702 Phone: (501) 227-5222 Fax: (501) 227-7811 littlerock@americlaim.com www.AmeriClaim.com

Brown Adjustment Service, Inc. P.O. Box 4035, 72702 Phone: (479) 444-6304 Nights: (479) 466-5749 Fax: (479) 444-1944 marty@brownadjustment.com www.brownadjustment.com Multiline adjustment firm covering the State of Arkansas

AmeriClaim PO Box 40215, 85717 Phone: (888) 683-5040 Fax: (520) 731-8071 tucson@americlaim.com www.AmeriClaim.com

CALIFORNIA

LOS ANGELES AmeriClaim 404 New York St. #7617, (Redlands), 92375 Phone: (909) 792-9175 Fax: (909) 792-7357 losangeles@americlaim.com www.AmeriClaim.com

Koning and Associates 400 Corporate Pointe, #300, (Culver City), 90230 Phone: (310) 337-7180 Fax: (310) 337-7199 lakoning@koning.us www.koning.us Head Office: San Jose, CA

MODESTO Koning and Associates PO Box 542, 95353 Phone: (209) 575-5802 Fax: (209) 575-5825 mokoning@koning.us www.koning.us Head Office: San Jose, CA

OAKLAND Koning and Associates 3478 Buskirk Ave., #1000, (Pleasant Hill), 94523 Phone: (925) 943-5252 Fax: (925) 943-5716 wckoning@koning.us www.koning.us Head Office: San Jose, CA

BAKERSFIELD

ORANGE COUNTY

Koning and Associates

4900 California Avenue,Twr. B, 2nd Floor, 93009 Phone: (661) 587-0773 Fax: (661) 587-9442 bkkoning@koning.us www.koning.us Head Office: San Jose, CA

1835 W. Orangewood Ave., #305, (Orange), 92868 Phone: (714) 456-9923 Fax: (714) 456-9928 ockoning@koning.us www.koning.us Head Office: San Jose, CA

LITTLE ROCK

FRESNO

SACRAMENTO

AmeriClaim

Koning and Associates

PO Box 55125, 72215-5125 Phone: (501) 227-5222 Fax: (501) 227-7811 littlerock@americlaim.com www.AmeriClaim.com

7075 N. Howard St., #104, 93720 Phone: (559) 261-9140 Fax: (559) 261-9143 frkoning@koning.us www.koning.us Head Office: San Jose, CA

Listings

ALABAMA

8801 Folsom Blvd., # 177, 95826 Phone: (916) 266-4330 Fax: (916) 266-4337 sakoning@koning.us www.koning.us Head Office: San Jose, CA

CI A A /A CEI CLAIMS MANUAL 2017

U.S.A.

Listings

Ca l i f o r n i a : S a n B e rn a rd in o â€“ F lo rid a : K e y Wes t

SAN BERNARDINO Koning and Associates 1911 Commercenter East, # 309, 92408 Phone: (909) 383-5012 Fax: (909) 383-5031 sbkoning@koning.us www.koning.us Head Office: San Jose, CA

SAN DIEGO AmeriClaim 10755 Scripps Poway Parkway, 92131 Phone: (909) 792-9175 Fax: (909) 792-7357 SanDiego@americlaim.com www.AmeriClaim.com

Koning and Associates 2831 Camino del Rio So., # 301, 92108 Phone: (619) 584-7822 Fax: (619) 584-7840 sdkoning@koning.us www.koning.us Head Office: San Jose, CA

SAN FRANCISCO Koning and Associates 1101 Bayhill Drive #2, (San Bruno), 94066 Phone: (650) 952-0822 Fax: (650) 952-3953 sfkoning@koning.us www.koning.us Head Office: San Jose, CA

SAN JOSE Koning and Associates 1631 Willow Street, #220, 95125 Phone: (408) 265-3800 Fax: (408) 267-1026 sjkoning@koning.us www.koning.us Branch Offices: Fresno, Los Angeles, Modesto, Oakland, Orange County, Riverside - San Bernardino, Sacramento, San Diego, San Francisco, Ventura, Bakersfield, CA; Las Vegas, NV

VENTURA Koning and Associates 1000 Town Center Drive, #300, 93036 Phone: (805) 642-7812 Fax: (805) 642-7693 vtkoning@koning.us www.koning.us Head Office: San Jose, CA

CI A A /A CEI CLAIMS MANUAL 2017

COLORADO

FLORIDA

COLORADO SPRINGS

FORT MYERS

AmeriClaim

Crittenden Adjustment Company (Florida), Inc.

6050 Stetson Hills Blvd., PMB #285, 80923 Phone: (719) 528-1244 Fax: (888) 554-5531 coloradosprings@americlaim.com www.AmeriClaim.com

DENVER/BOULDER AmeriClaim PO Box 7662, (Loveland), 80537 Phone: (303) 713-9955 Fax: (866) 827-3215 denver@americlaim.com www.AmeriClaim.com

FORT COLLINS/GREELEY AmeriClaim PO Box 7662, (Loveland), 80537 Phone: (970) 622-8605 Fax: (970) 622-8629 fortcollins@americlaim.com www.AmeriClaim.com

PUEBLO AmeriClaim 140 West 129th St., 81008 Phone: (719) 528-1244 Fax: (888) 554-5531 pueblo@americlaim.com www.AmeriClaim.com

CONNECTICUT

5700 Halifax Avenue, Suite 1, 33912 Phone: (239) 415-1700 Fax: (239) 415-1701 Toll Free Hot Line: 1-800-283-5515 Operations@cacadjfla.com www.cacadjfla.com Branch Offices: Lakeland, Miami, Naples, Orlando, Pine Island, Tampa, Florida

Peter J. Crosa & Co. Suite #202-310, 13650 Fiddlesticks Blvd., 33912 Phone: (800) 927-7644 Fax: (800) 661-6229 peter@peterjcrosa.com www.peterjcrosa.com

FORT WALTON BEACH AmeriClaim PO Box 2124, 32549 Phone: (850) 243-9195 Fax: (888) 554-5531 FortWaltonBeach@americlaim.com www.AmeriClaim.com

JACKSONVILLE Peter J. Crosa & Co. 7749 Normandy Blvd., Suite 240, 32221 Phone: (800) 927-7644 Fax: (800) 661-6229 peter@peterjcrosa.com www.peterjcrosa.com

GLASTONBURY

KEY WEST

LaMarche Associates Inc.

Peter J. Crosa & Co.

18 Concord Street, P.O. Box 597, 06033 Phone: (860) 659-9200 Toll Free: 1-800-206-6061 Fax: (860) 659-9201 www.lamarcheassociates.com Serving Connecticut Head Office: Chelmsford, MA

1107 Key Plaza, Suite 103, 33040 Phone: (800) 927-7644 Fax: (800) 661-6229 peter@peterjcrosa.com www.peterjcrosa.com

U.S.A.

F lorida: L akeland â€“ Idaho: Idaho F alls

Crittenden Adjustment Company (Florida), Inc. 2000 S. Florida Avenue, Suite Two, 33803 Phone: (863) 577-1465 Fax: (863) 682-2797 Toll Free Hot Line: 1-800-283-5515 Operations@cacadjfla.com www.cacadjfla.com Head Office: Fort Myers, Florida

MIAMI Crittenden Adjustment Company (Florida), Inc. 17801 NW 14th Court, 33169 Phone: (305) 471-9655 Fax: (305) 471-9653 Toll Free Hot Line: 1-800-283-5515 Operations@cacadjfla.com www.cacadjfla.com Head Office: Fort Myers, Florida

Peter J. Crosa & Co. 8306 Mills Drive, Suite 270, 33183 Phone: (800) 927-7644 Fax: (800) 661-6229 peter@peterjcrosa.com www.peterjcrosa.com

NAPLES Crittenden Adjustment Company (Florida), Inc. 5700 Halifax Avenue, Suite One, (Fort Myers), 33912 Phone: (239) 262-4226 Fax: (239) 262-4222 Toll Free Hot Line: 1-800-283-5515 Operations@cacadjfla.com www.cacadjfla.com Head Office: Fort Myers, Florida

ORLANDO AmeriClaim 4701 Cranston Place, 32812 Phone: (855) 402-5246 Fax: (888) 695-0389 orlando@americlaim.com www.AmeriClaim.com

Crittenden Adjustment Company (Florida), Inc. 2000 S. Florida Avenue, Suite Two, (Lakeland), 33803 Phone: (407) 671-3004 Fax: (407) 671-3009 Toll Free Hot Line: 1-800-283-5515 Operations@cacadjfla.com www.cacadjfla.com Head Office: Fort Myers, Florida

Peter J. Crosa & Co. 4630 S. Kirkman Road, Suite 420, 32811 Phone: (800) 927-7644 Fax: (800) 661-6229 peter@peterjcrosa.com www.peterjcrosa.com

PINE ISLAND Crittenden Adjustment Company (Florida), Inc. 4985 Curlew Drive, (St. James City), 33956 Phone: (239) 707-8181 Fax: (800) 329-4287 Toll Free Hot Line: 1-800-283-5515 Operations@cacadjfla.com www.cacadjfla.com Head Office: Fort Myers, Florida

ST. PETERSBURG Peter J. Crosa & Co. 10460 Roosevelt Blvd., Suite 210, 33716 Phone: (800) 927-7644 Fax: (800) 661-6229 peter@peterjcrosa.com www.peterjcrosa.com Peter J. Crosa, AIC, RPA - President Branch Office: Atlanta, GA

TALLAHASSEE Peter J. Crosa & Co. 400 Capital Cir SE, Suite 18190, 32301 Phone: (800) 927-7644 Fax: (800) 661-6229 peter@peterjcrosa.com www.peterjcrosa.com

WINTER PARK Mathias and Company Inc. 431 E. Horatio Ave., Ste. 210, (Maitland), 32751 P.O. Box 4097, (Winter Park), 32793-4097 Phone: (407) 679-6090 Toll Free: 866-593-7100 Nights: (321) 303-8560 Fax: (407) 678-7800 claims@mathiasinc.com www.mathiasinc.com Monty F. Mathias, President; Monty J. Mathias, Vice-President; Bill Kasavage, Vice-President Branches: Miami; Ft. Lauderdale; Ocala Servicing Florida from Tallahassee to Key Largo

GEORGIA ATLANTA AmeriClaim PO Box 81306, 30366-1306 Phone: (678) 443-8998 Fax: (866) 860-4403 atlanta@americlaim.com www.AmeriClaim.com

Peter J. Crosa & Co. 2897 N. Druid Hills Road, Suite 210, 30329 Phone: (800) 927-7644 Nights: (800) 927-7644 Fax: (800) 661-6229 atlanta@peterjcrosa.com www.peterjcrosa.com Leigh McCoy, Sr. Adjuster Head Office: St. Petersburg, FL

IOWA

TAMPA

AMES

Crittenden Adjustment Company (Florida), Inc.

AmeriClaim

2000 S. Florida Avenue, Suite Two, (Lakeland), 33803 Phone: (813) 910-8900 Fax: (813) 910-8989 Toll Free Hot Line: 1-800-283-5515 Operations@cacadjfla.com www.cacadjfla.com Head Office: Fort Myers, Florida

Listings

LAKELAND

11305 Meredith Drive, (Urbandale), 50322 Phone: (515) 254-0679 Fax: (515) 254-0713 ames@americlaim.com www.AmeriClaim.com

IDAHO IDAHO FALLS AmeriClaim PO Box 178, (Blackfoot), 83221 Phone: (208) 785-4325 Fax: (208) 785-1186 idahofalls@americlaim.com www.AmeriClaim.com CI A A /A CEI CLAIMS MANUAL 2017

U.S.A.

Listings

I d a h o : I d a h o Fa lls â€“ Mic h ig a n : D e tro it/Southern Michigan

AmeriClaim PO Box 178, 83221 Phone: (208) 785-4325 Fax: (208) 785-1186 IdahoFalls@americlaim.com www.AmeriClaim.com

ILLINOIS CHICAGO AmeriClaim 2250 Point Blvd., Suite 310, (Elgin), 60123 Phone: (800) 323-6131 Fax: (847) 844-1387 chicago@americlaim.com www.AmeriClaim.com

DUBUQUE AmeriClaim 2402 9th Street, (Silvis), 61282 Phone: (815) 210-8725 Fax: (309) 912-7569 dubuque@americlaim.com www.AmeriClaim.com

SPRINGFIELD AmeriClaim PO Box 1114, 62705 Phone: (217) 787-5780 Fax: (217) 787-7653 Springfield@americlaim.com www.AmeriClaim.com

INDIANA INDIANAPOLIS AmeriClaim PO Box 211, 46147 Phone: (317) 460-5435 Fax: (888) 554-5531 indianapolis@americlaim.com www.AmeriClaim.com

KANSAS WICHITA AmeriClaim PO Box 314, 67147 Phone: (316) 755-1410 Fax: (316) 755-1576 wichita@americlaim.com www.AmeriClaim.com CI A A /A CEI CLAIMS MANUAL 2017

KENTUCKY COVINGTON AmeriClaim 34 West Sixth Street, 41011 Phone: (859) 491-6333 Fax: (866) 613-0377 covington@americlaim.com www.AmeriClaim.com

RICHMOND Dotson & Associates, LLC 325 Palomino Drive, 40475 P.O. Box 417, 40476 Phone: (859) 333-5422 john@kentuckyclaimsadjusters.com www.kentuckyclaimsadjusters.com

LOUISIANA BATON ROUGE AmeriClaim 8880 Old Hammond Hwy., 70809 Phone: (225) 218-0600 Fax: (225) 248-9123 batonrouge@americlaim.com www.AmeriClaim.com

MASSACHUSETTS CHELMSFORD LaMarche Associates Inc. 5 North Road, P.O. Box 250, 01824 Phone: (978) 256-8586 Toll Free: 1-800-349-1525 Fax: (978) 256-8590 www.lamarcheassociates.com Serving Eastern Massachusetts, Central Massachusetts & Southern NH

PALMER LaMarche Associates Inc. 1482 North Main Street, P.O. Box 840, 01069 Phone: (413) 289-1243 Toll Free: 1-800-222-0143 Fax: (413) 289-1249 www.lamarcheassociates.com Serving Western Massachusetts and Southern Vermont Head Office: Chelmsford, MA

WESTWOOD LaMarche Associates Inc. 54 Hartford Street, Suite 202, P.O. Box 465, 02090 Phone: (781) 326-5054 Toll Free: 1-800-349-1525 Fax: (781) 326-5160 www.lamarcheassociates.com Serving Eastern Massachusetts & Rhode Island Head Office: Chelmsford, MA

MARYLAND BALTIMORE AmeriClaim PO Box 20057, 21824-0057 Phone: (410) 823-6370 Fax: (410) 823-6372 baltimore@americlaim.com www.AmeriClaim.com

WASHINGTON AmeriClaim PO Box 20057, (Baltimore, MD), 21824 Phone: (410) 823-6370 Fax: (410) 823-6372 Washington.dc@americlaim.com www.AmeriClaim.com

MAINE SOUTH PORTLAND Colonial Adjustment, Inc. 111 Wescott Road, 04106 Phone: (207) 797-9036 Fax: (207) 797-6820 newassignments@colonialadj.com www.colonialadj.com Serving Maine, New Hampshire & Vermont

MICHIGAN DETROIT/SOUTHERN MICHIGAN AmeriClaim PO Box 430, (Royal Oak), 48068 Phone: (248) 565-8219 Fax: (248) 575-4156 michigan@americlaim.com www.AmeriClaim.com

U.S.A.

Min n e s o ta : Minneapolis /Tw in Cities – New Jers ey : Englew ood Cliffs

MINNEAPOLIS/ TWIN CITIES AmeriClaim 15718 France Way, (Apple Valley), 55124 Phone: (952) 412-1464 Fax: (952) 236-0078 minneapolis@americlaim.com www.AmeriClaim.com

MISSOURI CAPE GIRARDEAU Nixon and Company, Inc. P.O. Box 220999, (St. Louis), 63122-0999 Phone: (877) 346-4966 Fax: (314) 821-7625 nixon@nixonandco.com Lee Dacus, Property / Casualty Adjuster Home Office: St. Louis, MO

COLUMBIA AmeriClaim 2101 West Broadway, PMB #166, 65201 Phone: (800) 545-6340 Fax: (888) 554-5531 columbia@americlaim.com www.AmeriClaim.com

KANSAS CITY AmeriClaim PO Box 3058, (Springfield), 65808 Phone: (800) 545-6340 Fax: (888) 554-5531 kansascity@americlaim.com www.AmeriClaim.com

Nixon and Company, Inc. P.O. Box 220999, (St. Louis), 63122-0999 Phone: (877) 346-4966 Fax: (314) 821-7625 nixon@nixonandco.com Home Office: St. Louis, MO

ST. LOUIS Bierman-Condray, Inc. Main Office: (IRS #43-0726551) 9666 Olive Blvd., Ste. 205, 63132 Phone: (314) 725-2960 (24 Hours) Fax: (314) 725-2989 biermancondray@biermancondray. com Mark J. Geil, President Multiple Lines

Nixon and Company, Inc. 13205 Manchester Rd., Suite 100, 63131 P.O. Box 220999, 63122-0999 Phone: (314) 821-4888 (24 Hours) Fax: (314) 821-7625 nixon@nixonandco.com Mark Nixon, CEO; T. Mark Nixon, President; Greg Sorensen, CPCU Prop. Dir. Branch Offices: Cape Girardeau, Kansas City, MO

Nixon and Company, Inc. P.O. Box 220999, 63122-0999 Phone: (877) 346-4966 Fax: (314) 821-7625 nixon@nixonandco.com Chuck Fetter, General Adjuster; Micheal Wysoczan, Sr. Property Adjuster Home Office: St. Louis, MO

TOPEKA AmeriClaim PO Box 3058, (Springfield, MO), 65808 Phone: (800) 545-6340 Fax: (888) 554-5531 topeka@americlaim.com www.AmeriClaim.com

MISSISSIPPI JACKSON AmeriClaim 207 Harbor View Road, (Brandon), 39047 Phone: (601) 992-0117 Fax: (601) 992-6258 jackson@americlaim.com www.AmeriClaim.com

MONTANA BILLINGS Midland Claims Service, Inc. Industrial Injury Claims® P.O. Box 20151, 59104 Phone: (406) 656-9960 Fax: (406) 656-9983 mmarsh@midlandclaims.com www.midlandclaims.com Property, Liability and Workers’ Compensation Claims

Listings

MINNESOTA

NORTH CAROLINA GREENSBORO AmeriClaim 1025 Homeland Avenue, 27405 Phone: (336) 230-1677 Fax: (336) 230-1577 lincoln@americlaim.com www.AmeriClaim.com

NEBRASKA LINCOLN AmeriClaim PO Box 45254, (Omaha), 68154 Phone: (800) 693-1999 Fax: (888) 225-0445 lincoln@americlaim.com www.AmeriClaim.com

NEW JERSEY ENGLEWOOD CLIFFS Edward R. Reilly & Co. Inc. 580 Sylvan Avenue, 07632 Phone: (201) 569-3346 Nights: (917) 359-3974 Fax: (201) 569-6836 errandconj@aol.com www.reillyandco.com Property Loss Specialists Serving the state of New Jersey Margaret A. Reilly, Vice President

CI A A /A CEI CLAIMS MANUAL 2017

U.S.A.

Listings

N e w J e r s e y : Little Fa lls â€“ P e n n s y lv a n ia : Pitts burgh

LITTLE FALLS

EAST GREENBUSH

Independent Adjustment Company

LaMarche Associates Inc.

365 Rifle Camp Road, Suite 206, 07424 Phone: (631) 289-0200 Fax: (631) 289-0223 24/7 Claims: (516) 383-4385 claims@iacus.com www.iacus.com michaeln@iacus.com Michael Nardulli, President

PARSIPPANY LaMarche Associates Inc. 259 Baldwin Road, P.O. Box 5866, 07054 Phone: (973) 335-6005 Toll Free: 1-800-883-0095 Fax: (973) 335-0049 www.lamarcheassociates.com Serving New Jersey Head Office: Chelmsford, MA

WOODBURY AmeriClaim PO Box 363, 08096 Phone: (800) 445-2567 Fax: (888) 554-5531 woodbury@americlaim.com www.AmeriClaim.com

NEVADA LAS VEGAS Koning and Associates 2300 W. Sahara Ave., #800, 89102 Phone: (702) 220-7631 Fax: (702) 220-7991 lvkoning@koning.us www.koning.us Head Office: San Jose, CA

NEW YORK BUFFALO First Niagara Risk Management, Inc. 239 Van Rensselaer Street, 14210 Phone: (716) 849-8188 Nights: (800) 899-3078 Fax: (716) 819-5145 Daniel K. Conley, Vice-President/ Claims Administration & Risk Management; Kathleen Kelly, Casualty Claims Supervisor

CI A A /A CEI CLAIMS MANUAL 2017

743 Columbia Turnpike, P.O. Box 370, 12061 Phone: (518) 479-0028 Toll Free: 1-800-738-0028 Fax: (518) 479-0419 www.lamarcheassociates.com Serving Eastern New York State Head Office: Chelmsford, MA

LONG ISLAND CITY LaMarche Associates Inc. 11 - 11 44th Road, Suite 401, P.O. Box 1488, 11101 Phone: (718) 472-1270 Toll Free: 1-800-206-6061 Fax: (718) 472-1274 www.lamarcheassociates.com Serving New York City, Brooklyn, Manhattan, Queens, The Bronx, Staten Island and Long Island Head Office: Chelmsford, MA

NEW YORK AmeriClaim 159 - 25 Hillside Avenue, 11432 Phone: (718) 558-6100 Fax: (718) 558-6058 NewYork@americlaim.com www.AmeriClaim.com

Edward R. Reilly & Co. Inc. 18 John Street, 10038 Phone: (212) 233-4646 Nights: (917) 359-4478 Fax: (212) 732-1943 errandco@aol.com www.reillyandco.com Property Loss Specialists Serving the Greater Metropolitan Area Charles J. Reilly, Jr., CPCU, RPA, President

OHIO CINCINNATI AmeriClaim 260 Northland Blvd., Suite 334, 45246 Phone: (513) 771-7300 Fax: (888) 554-5531 cincinnati@americlaim.com www.AmeriClaim.com

OKLAHOMA OKLAHOMA CITY AmeriClaim 11212 N May, 73112 P.O. Box 720068, 73172-0068 Phone: (888) 279-8837 Fax: (888) 554-5531 louis.smith@americlaim.com www.AmeriClaim.com

AmeriClaim PO Box 60273, 73146 Phone: (405) 579-9605 Fax: (888) 554-5531 oklahomacity@americlaim.com www.AmeriClaim.com

OREGON PORTLAND AmeriClaim Janzen Beach Center, 97217 Phone: (503) 287-3359 Fax: (503) 284-0463 portland@americlaim.com www.AmeriClaim.com

PENNSYLVANIA

PATCHOGUE

PITTSBURGH

Independent Adjustment Company

AmeriClaim

22 West Main Street, Suite 14, 11772 P.O. Box 1036, 11772 Phone: (631) 289-0200 Fax: (631) 289-0223 24/7 Claims: (516) 383-4385 claims@iacus.com www.iacus.com michaeln@iacus.com Michael Nardulli, President

1247 Holy Cross Dr., (Monroeville), 15146 Phone: (412) 874-7116 Fax: (412) 774-8150 pittsburgh@americlaim.com www.AmeriClaim.com

Champion Claim Service, Inc. 470 Streets Run Road, Suite 203, 15236 Phone: (412) 881-4560 Fax: (412) 881-7350 claims@championclaimservice.com www.championclaimservice.com

U.S.A.

S o uth Carolina: Colum bia â€“ Wy om ing: Cas per/North Central

TEXAS

WASHINGTON

DALLAS

SPOKANE

COLUMBIA

AmeriClaim

AmeriClaim PO Box 21245, 29221 Phone: (803) 772-1390 Fax: (803) 772-0630 columbia.sc@americlaim.com www.AmeriClaim.com

SOUTH DAKOTA MITCHELL AmeriClaim PO Box 88035, (Sioux Falls), 57109 Phone: (605) 362-5722 Fax: (605) 362-5723 mitchell@americlaim.com www.AmeriClaim.com

TENNESSEE CHATTANOOGA AmeriClaim PO Box 70190, (Knoxville), 37938 Phone: (865) 692-9943 Fax: (865) 692-9124 chattanooga@americlaim.com www.AmeriClaim.com

KNOXVILLE AmeriClaim 6046 Port Royal Lane, 37938 Phone: (865) 692-9943 Fax: (865) 692-9124 knoxville@americlaim.com www.AmeriClaim.com

NASHVILLE AmeriClaim

1701 North Greenville Ave., #204, (Richardson), 75081 Phone: (972) 437-3394 Fax: (888) 554-5531 E-mail: dallas@americlaim.com www.AmeriClaim.com (Serving Fort Worth, Sherman and east to Texarkana)

HOUSTON AmeriClaim 6124 N. Hwy 6 #198, 77084 Phone: (832) 715-3975 Fax: (281) 859-3975 houston@americlaim.com www.AmeriClaim.com (Serving Corpus Christi, El Paso, Lubbock, San Antonio and Waco with local adjusters)

R.K. Phillips and Associates, LLC 650 N. Sam Houston Parkway, Suite 510, 77060 Phone: (713) 864-3001 Nights: (713) 864-3001 Fax: (713) 864-3003 claims@rkphillips.com Specializing in Truck Lines and Insurance Losses Available 24/7

UTAH SALT LAKE CITY AmeriClaim PO Box 9692, 84109 Phone: (801) 560-7463 Fax: (888) 554-5531 saltlakecity@americlaim.com www.AmeriClaim.com

PO Box 13036, 99213 Phone: (509) 881-7820 Fax: (888) 554-5531 spokane@americlaim.com www.AmeriClaim.com

Listings

SOUTH CAROLINA

WISCONSIN SHEBOYGAN AmeriClaim PO Box 263, 53085 Phone: (920) 467-2006 Fax: (920) 467-2005 sheboygan@americlaim.com www.AmeriClaim.com

WEST VIRGINIA CHARLESTON AmeriClaim 3343 W. 5th Ave., 25015 Phone: (304) 925-5349 Fax: (304) 925-8673 Charleston.WV@americlaim.com www.AmeriClaim.com

WYOMING CASPER/NORTH CENTRAL AmeriClaim 301 Thelma Drive, #245, (Casper), 82609-2325 Phone: (307) 265-7130 Fax: (307) 265-9331 casper@americlaim.com www.AmeriClaim.com

509 Plantation Ct., 37221 Phone: (615) 850-1850 Fax: (888) 554-5531 nashville@americlaim.com www.AmeriClaim.com

CI A A /A CEI CLAIMS MANUAL 2017

Industry Listings

ADR INSTITUTE OF CANADA, INC. National Office

Saskatchewan

British Columbia/Yukon

Manitoba

ADR Institute of Canada, Inc. 407-234 Eglinton Ave. E Toronto, ON M4P 1K5 Phone: (416) 487-4733 Fax: (416) 901-4736 admin@adric.ca www.adric.ca

British Columbia Arbitration & Mediation Institute 366-1275 West 6th Avenue Vancouver, BC V6H 1A6 Phone: (604) 736-6614 Toll Free: 1-877-332-2264 Fax: (604) 736-6611 info@bcami.com www.bcami.com

Alberta/NWT

ADR Institute of Alberta Ralph King Athletic Centre, Room CE223A Concordia University of Edmonton Campus, 7128 Ada Boulevard Edmonton, AB T5B 4E4 Phone: (780) 433-4881 Toll Free: 1-800-232-7214 Fax: (780) 433-9024 info@adralberta.com www.adralberta.com

CI A A /A CEI CLAIMS MANUAL 2017

ADR Institute of Saskatchewan Inc. Box 22015 RPO Wildwood Saskatoon, SK S4H 5P1 Toll Free: 1-866-596-7275 Fax: 1-866-596-7275 info@adrsaskatchewan.ca www.adrsaskatchewan.ca

ADR Institute of Manitoba Inc. c/o 62 Sherbook Street Winnipeg, MB R3M 2B3 Phone: 1-877-489-7452 admin@adrmanitoba.ca www.adrmanitoba.ca

Ontario

ADR Institute of Ontario, Inc. 405-234 Eglinton Ave. E. Toronto, ON M4P 1K5 Phone: (416) 487-4447 Toll Free: 1-844-487-4447 Fax: (416) 487-4429 admin@adrontario.ca www.adrontario.ca

Quebec

Institut de mediation d’arbitrage du Québec 1445 Stanley Street, Suite 1501 Montréal, QC H3A 3T1 Phone: (514) 282-3327 Toll Free: 1-855-482-3237 Fax: (514) 282-2214 info@imaq.org www.imaq.org

Atlantic

ADR Atlantic Institute Box 123 Halifax CRO, NS B3J 2M4 Phone: (please contact via email) admin@adratlantic.ca www.adratlantic.ca

Canadian Independent Adjusters’ Association l’Association Canadienne des Experts Indépendants

Presenting…

Online Education

for CIAA Members and Insurers! CIAA is pleased to announce their online training platform is now available to Insurance Company Claims Personnel. Offering quality claims specific education through an online educational program, Members and now Insurers can drastically reduce the time and costs associated with training and regulated Continuing Education compliance. CIAA's online learning program provides claims professionals with a full stream of quality training at basic, intermediate and advanced levels. The curriculum includes technical property courses, adjuster skill and knowledge courses as well as basic legal concept courses in contract law and tort law.

Pricing per Person: $125 annually provides full access to all courses. Currently there are over 50 courses available with more being added as they are developed. Visit www.ciaa-adjusters.ca for a complete course listing and program registration.

CIAA - proudly providing Members and Insurers with continuing training, education and professional development opportunities!

www.ciaa-adjusters.ca

Limitation Periods

LIMITATION PERIODS

Limitation Periods Limitation Period ONT

Accident MOTOR Benefits: VEHICLE 2 years from ACCIDENTMOTOR denial; VEHICLE Third Party/ ACCIDENT Bodily Injury In Québec General 2 years

MAN

ALTA

SASK

PEI

Accident 2 yrs; may postpone / Third Party/ AB: 2 years or Third Party/ suspend ; 15 yrs; AB: BC MAN ONT ALTA SASK Benefits: Bodily Injury: longer period Bodily Injury: 2 yrs after date of 1 year after Accidentspecified in AB: 2 years yrs 2 years; Accident 2 yrs; may 2 postpone / T or Third Party/ accident, or date accident; Fatality: 2 yrsB Fatality: 2 years suspend ; 15 yrs; AB: Benefits: Benefits:contract longer period Bodily Injury: received last payment, yrs after date fromofdeath 2 Personal Injury: 2 years TP/BI from 2 yrs after 1 year after specified in 2 years; or date ICBC2notified accident, or date denial;cause of action;accident;2 years. Fatality: contract Fatality:of 2 years intention toreceived last payment, F Fatality: 2 yearsTP/BI 22yrs years Third Party/ after commence action Personal Injury: (Personal Action) or date ICBC notified fr Bodily Injury cause of action; 2 years. Fatality: intention to In Québec2General 2 yrs; unless of against years yrs or 6 mon years Occupier’s 2 years 2 years Fatality: 22 years 2 years 2 years; commence2action (Personal Action) a Municipality 1 year Municipal/ against Munic (Municipal/ Liability against(Mu 2 years Provincial 2 years; in which case2 yrs; unless occupier; 2 2 yearsCrown Notice2 years Occupier’s municipality a Municipality (Notice provisions 1 year Municipal/ Crown Notice provisions (Municipal/ a Liability lim. periods applies apply) in which case Provincial provisions app apply) o Crown Notice (Notice provisions municipality C provisions 1 year after p 1 yr under 2 years after apply) 2 years 2 years Fire lim. periods applies apply) 1yr action against loss/damage policy from date loss/damage Property ins. if DOL before 1 2 years after 2 years 2 years July 1/’12; 2 yrs Fire of loss/damage1 yr under 1yraction action against against ins. if DOL lo loss/damage 2 yrs (third policy from date Property ins. if DOL before after July 1/’12 July 1/’12; 2 yrs action party liability) of loss/damage against ins. if DOL 2 yrs (third after July 1/’12 party liability)

1 yr (check pertinent 2 years 1 yr from date of 2 years 2 years 2 years parts; e.g., for optional loss; 2 yrs Third 1 yr (check pertinent 2 1 yr from date of 2 years 2 years 2 years insurance contracts, AutoParty lia. & Unisrd must submit toparts; arb. e.g., for optional loss; 2 yrs Third Property Motorist Coverage within 2 yrs) insurance contracts, Party lia. & Unisrd submit to arb. Earlier of 1 yea Motorist Coverage After July 1/12:must earlier 2 years 2 yrs after provision 2 years Life Earlier of 1 yr within 2 yrs) after evidence of 2 yrs from proof of of evidence, or 6 yrs Insurance after evidence After July earlieror E 2 years provided, or Earlier ofafter 2 yrs or1/12: Life 1 yrhappening provided, of after provision 2 years claim being furnished of 2before yrs from proof money of a 6 yrs after death; of evidence, or 6 yrs Insurance 6 years event, whichever 6 years after after evidence claim furnished or p July 1/12: earlier of 1being yr payable after happening of provided, or occurs first. money payable 6 yrs after death; before 6 or 6 yrs after death event, whichever 6 years after July 1/12: of 1 yr p occurs first. 6 death years 2 yrs; may postpone / earlier 2 years 6 yrs real prop; 2 years 2 years money payable Product or 6 yrs after suspend, Ultimate: 2 yrs chattel; Liability 2 yrs; may postpone / 6 2 years 2 yrs P.I. 1 yr in6 yrs real prop; 2 years 2 years 15 yrs Product suspend, Ultimate: 2 yrs chattel; Liability some cases 15 yrs 2 yrs P.I. 1 yr in Notice 10 days Notice 7 days; some cases Notice: 1month Notice 30 days; Highway 2 yrs; may postpone / Notice 90 days (subject to Action: 2 years Action: 2 years Action: 2 years Crown suspend late Action: 2 year Notice 7 days; Notice: 1month Notice 30 days; due to Highway 2 yrs; may postpone / N “reasonable Notice 10 days discovery or disability; (subject to Action: 2 years Action: 2 years Action: 2 years Crown suspend due to late A excuse”) Ultimate: 15 yrs discovery or disability; Action: 2 years“reasonable excuse”) Ultimate: 15 yrs 2 years3 days Notice Urban Notice Notice Notice 10 days;Action:Notice Notice 21 days Municipal 30 days, 2 months; Notice 90 days Action: 2 yearsNotice 10 days; N Notice 3(snow, days ice, slush) Notice 21Action days 1 year Notice Urban Municipal Notice 30 days(snow, ice, slush) 30 days, Action 9 2 months;Action Action: 2 years months Action 6 months A (non-repair) Notice 30 days Action 16year Action 2 years(non-repair) 6 6 months Action 22years 2 yrs; discover 2 years 2 years from 2 years years 2 yrs; but may Medical or 2 yrs; but may rule; max 6 yr2 Malpractice 2 years date professional 2 years from 2 years 2 years postpone Medical suspend damage, 6 yrs or (with some ru services postpone date professional Malpractice if occurred before exceptions) terminated services suspend damage, 6 yrs (w June 1/13, andifclaim occurred before ex terminated discovered on/after

Auto Property

June 1/13

June 1/13, and claim discovered on/after June 1/13

The 60-day notice, 6 month ALWAYS CONTACT LOCAL COUNSEL. CHART IS GUIDELINE ONLY. Changes effective 12/17/15. 3rd party complied with the existing s claims, 2 yrs from date of service of claim. Use limited. Discov. Rule, Crt. Order, Contact, Behav. Of Parties, Legislation 60-day n ALWAYS CONTACT LOCAL COUNSEL. CHART IS GUIDELINE ONLY. Changes effective 12/17/15. 3rd partyAction The statute. already comm may extend Lim. Periods. Special provisions may apply to children or persons under a disability. Consult Counsel. Max.10 complied wit claims, 2 yrs from date of service of claim. Use limited. Discov. Rule, Crt. Order, Contact, Behav. Of Parties, Legislation bars claims commenced 10 y yrs from occurrence of claim. All claims against municipalities will result in standard limitation periods if the claim against statute. Actio may extend Lim. Periods. Special provisions may apply to children or persons under a disability. Consult Counsel. Max.10 ‘ultimate’ limitation period. the municipality alleges breach of private or common law duty of care. bars claims co yrs from occurrence of claim. All claims against municipalities will result in standard limitation periods if the claim against ‘ultimate’ lim the municipality alleges breach of private or common law duty of care.

CI A A /A CEI CL A IM S M A NUA L 2017

LIMITATION PERIODS

PEI

NFLD NB NFLD NB PEI

General (Personal 2 yrs; may postpone / Third Party/ Third Party/ TP/BI 2 yrs from Third Party/ suspend ; 15 yrs; AB: Bodily Injury: Action) 3 years Bodily Injury: day claim disc’d Bodily Injury: 2 yrs after date of may postpone from fault,General (Personal 2 years Third Party/up to 15 yrTP/BI 2 yrs2 from 2 yrs / Third Party/ yrs fromThird day disc’d 2 yrs; Party/ rty/ accident, or suspend date ; 15Fatality: yrs; AB:2 yrs (sometimes from 3 years re: defendant Action) ultimate up tp 15 yr ultimate Bodily Injury: Bodily Injury: day claim disc’d Bodily Injury: njury: received last2payment, yrs after date of death2 yrs date damages fromfirst fault, death from Fatality (all): 2 years upearl. to 15 yrFatality: 122 yrs from day disc’d or date ICBC notified accident, or date appear) (sometimes from re: defendant Fatality: 2 yrs 2 yrs or 5 yrs months from death ultimate up tp 15 yr ultimate 2ofyears intentionreceived to last payment, MVAdamages first death “ult. limitation” Fatality (all): earl. Fatality: 12 No fault - date commence action or date ICBC notified from death 2 yrs or 5 yrs months from death appear) of intention to 2 years or 1 year 2 yrs; unlesscommence against action 2 yrs or 6 months; 2 years No fault - MVA See General 2 yrs from“ult. day limitation” against Municipal a Municipality against Municipal (Personal Action) claim disc’d up to occupier (Municipal 2 years or 1 year 2 yrs; unlessoccupier; against (Mun./ in which case 2 yrs or 6 months; 2 years See General 2 yrs from /Crown day notice 15 yr ultimate against Municipal unicipal/ municipalitya Municipality against Municipal Crown Notice up to occupier (Municipal (Personal Action) Mun/Pro claim Noticedisc’dprovisions apply), 15 yr which case allim. periodsinapplies occupier; (Mun./ provisions apply) 15 yr ultimate prov. may apply /Crown notice ultimate rovisions municipality Crown Notice Mun/Pro Notice provisions apply), 15 yr year after year after provisions 1apply) lim. periods1applies See General 1 year afterprov. may apply 1yr action against 1 year afterultimate loss/damage loss/damage (Personal Action) ins. if DOL before

ASK

1 year after July 1/’12; 21yr yrsaction actionagainst loss/damage against ins. ifins. DOL if DOL before after July 1/’12 July 1/’12; 2 yrs action against ins. if DOL after July 1/’12

loss/damage loss/damage 1 year after 1 year after 1 year after loss/damage loss/damage loss/damage

QUE

See General (Personal Action)

Limitation Periods

eriods Periods

Canadian Litigation Canadian Counsel Litigation Counsel QUE NS

1 yr (check pertinent 2 years 2 years parts; e.g., for optional 1 yr (check pertinent 2 years insurance contracts, 2 years must submitparts; to arb.e.g., for optional within 2 yrs)insurance contracts, must submitEarlier to arb. of 1 year 2 years After July 1/12: earlier within 2 yrs) of 2 yrs from proof of after evidence generally Earlier of 1 year 2 years After Julyor 1/12: earlier or claim being furnished provided, of 2 yrs from6proof of after evidence generally 6 yrs after death; before years money claimofbeing or provided, or July 1/12: earlier 1 yr furnished payable yrs after death; before 6 years money or 6 yrs after6death July 1/12: earlier of 1 yr payable 2 years years 2 yrs; may postpone / 6death or 6 yrs after

See General Earlier of 3 years (Personal Action) 2 years to See General 3 years 15 years Earlier of (Personal Action) 2 years to 15 years 3 years from date 1 year after Earlier of 1 year of death evidence after evidence 3 years from date 1 year afterprovided, Earlier of 1 year provided, or or of death evidence 6 years after after evidence 6 years after money provided, or provided, or contingency payable 6 years after 6 years after money payable See General Earlier of contingency2 years from day suspend, Ultimate: (Personal Action) 2 years to claim disc’d up to 15 2 years 2 yrs; may postpone / 6 years See General of 2 years from day 15 yrs 15 years Earlier suspend, Ultimate: 2 years to yr maximum claim disc’d up to 15 (Personal Action) 15 yrs 15 years yr maximum 2 years Notice: 2 months Notice 2 yrs; may postpone / Notice 90 days; Provincial Action: 2/ years Action: 3 years 2 months;Notice Government 0suspend days; due2 to 2 years Notice 90 days; Notice: 2 months yrs;late may postpone Provincial Action: 3 years from See General discovery orsuspend disability; years Action: 3 years 2 months; due to late Action: 2 years Government day disc’d and 15 yr Ultimate: 15discovery yrs (Personal Action) Action: 3 years from See or disability; General ultimate day disc’d and 15 yr (Personal Action) Ultimate: 15 yrs ultimate 15 days Notice 2 years Notice Notice: 1 month, Notice 2 yrs to 15 yrs Mandatory Action: 1 year 2 months; Notice 90 days Notice rban 15for days Notice consult local 2 years Notice: 1 month, 2 yrs to 15 yrs Tort Actions; 6 Action Mandatory for counsel consult local 90 days Action: 1 year 2 months; Action months time 6 months Action 6 months Action year Tort Actions; 6 counsel limitationmonths time 6 months 6 months limitation 2 years; 2 yrs; discovery 2 yrs; but may See General 2 yrs to 15 yrs Within 2 yrs of postpone or 2 yrs; but may damage first rule; max 62yrs Action) 2 years; ultimate limitation yrs; discovery See General termination of 2 yrs(Personal 2 yrs to 15 yrs Within of suspend damage, 6 yrsor(with some rule; max 6occurs postpone damage first yrs period (Personal Action) professional of ultimate limitation termination of if occurred before suspend damage, 6 yrs (with some exceptions) occurs consult local hospital services period professional of June 1/13, and claim before if occurred exceptions) counsel consult local rendered. hospital 15 yr services discovered on/after June 1/13, and claim June 1/13 discovered on/after counsel ultimate rendered. 15 yr ultimate June 1/13

The 60-day notice, 6 month limitation periods for municipalities are limited to circumstances in which, if the municipality had 3rd party the60-day existing statute law when it caused the injury, it could haveare done the harm lawfully – i.e. accordance with the notice, 6 month limitation periods for municipalities limited to circumstances inin which, if the municipality had eation 12/17/15. 3rdcomplied party withThe statute. Action already with commenced within period, may be added to action outside subject tolawfully s.6 of Limitations Act; s.3(2)with the Max.10 complied the existing statute law claim when it caused the injury, it could haveperiod done the harm – i.e. in accordance arties, Legislation bars claims commenced 10 years after claims arose; s.5.1period, suspends operation lim. to period if outside claimantperiod a minor. There is aof15Limitations year m against statute. Action already commenced within claim may be of added action subject to s.6 Act; s.3(2) ult Counsel. Max.10 ‘ultimate’ limitation period. bars claims commenced 10 years after claims arose; s.5.1 suspends operation of lim. period if claimant a minor. There is a 15 year s if the claim against ‘ultimate’ limitation period.

CI A A /A CEI CL A IM S M A NUA L 2017

Adjuster Licensing

LICENSING BY PROVINCE

Provincial Requirements for Adjusters BRITISH COLUMBIA Adjuster Level 1 Adjuster Level 2 Adjuster Level 3 Continuing Education Requirements This is an entry level license that requires the licensee to have all reports signed by a level 2 or level 3 adjuster. • Must successfully complete The General Insurance Essentials Program — Part 1 and Part 2, which are available through the Insurance Institute. The results are only valid for licensing purposes for a period of one year from completion date.

Must have authorization to represent a licensed firm and have met one of the following education and experience requirements: • The Insurance Institute Courses General Insurance Essentials (Parts 1 and 2), C110 and C111 and 2 consecutive years experience as a licensed level 1 adjuster. or • The Insurance Institute Courses C11, C110 and C111 and 2 consecutive years experience as a licensed level 1 adjuster. or • The Insurance Institute Courses C110, C111, C112 and any other four Insurance Institute Courses and 2 consecutive years adjusting experience. or • All Insurance Institute Courses leading to a CIP designation and 1 year adjusting experience.

YUKON Eligibility Requirements

Residency

• Candidate must submit a completed application form and all appropriate fees. • Must have 3 reference signatures of 3 Yukon residents. • Depending on the applicant’s insurance experience a license is granted at the discretion of the Superintendent.

• Non-resident must provide a copy of adjuster’s current license and a letter of good standing from licensing jurisdiction. • Must also have 3 reference signatures of 3 Yukon residents.

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• A level 3 adjuster license reflects a supervisory or management position. Applicants must demonstrate they hold such a position, and are required to have a higher level of education and experience than a level 2 licensee. • Must have successfully completed the courses leading to a CIP or FCIP designation and have been licensed as an adjuster for 5 of the preceding 7 years, with at least 3 of those years as a licensed level 2 insurance adjuster.

For each license year, or portion thereof: • If you have an approved designation (CAIB, CIB, CIP, CCIB, FCIP, CRM) you must have 4 qualified hours of continuing education. or • If you have been licensed as an adjuster for at least 5 of the last 7 years in a Canadian jurisdiction, and you do not have an approved designation you must have 6 qualified hours of continuing education. or • If you have not been licensed as an adjuster for at least 5 of the last 7 years in a Canadian jurisdiction and you do not have an approved designation you must have 8 qualified hours of continuing education. * For level 1 and 2 licensees only technical material qualifies. For level 3 licensees, courses related to management, accounting and human resources qualify, as well.

LICENSING BY PROVINCE

Adjuster’s Certificate – Level 1

Adjuster’s Certificate – Level 2 Adjuster’s Certificate – Level 3

• Must pass an examination of the Alberta Insurance Council. • Must be subject to the direct supervision of a holder of a level 3 adjuster’s certificate of authority. All reports in relation to the adjustment of claims must be approved and countersigned by that holder of a level 3 adjuster’s certificate of authority.

•Twenty-four months of consecutive claims adjusting experience plus successful completion of six Insurance Institute of Canada courses for a designation as an Associate of the Insurance Institute of Canada, of which one course must be C-15 (Loss Adjustment and Claims Settlements) or C-17 (Claims 1) or C-110 (Essentials of Loss Adjusting). • Must be subject to the direct supervision of a holder of a level 3 adjuster’s certificate of authority. All reports in relation to the adjustment of claims must be approved and countersigned by that holder of a level 3 adjuster’s certificate of authority.

•Successfully met Level 2 requirements. • Is an Associate or Fellow of the Insurance Institute of Canada or CIP or FCIP. • Has successfully completed the C-32 (Bodily Injury Claims) and either C-46 (Claims 2), C41 (Property Loss Adjustment) or C-111 (Advanced Loss Adjusting) courses of the Insurance Institute of Canada. • Has acted as an adjuster for at least 60 months within the 10 year period immediately preceding the date of application.

Adjuster Licensing

ALBERTA

Continuing Education Requirements • Adjusters who hold a Certificate of Authority must obtain 15 hours of Continuing Education credits as a condition of maintaining their Certificate of Authority.

NORTHWEST TERRITORIES & NUNAVUT Eligibility Requirements

Residency

• Candidates must submit a completed application form and appropriate fees. • Must provide a statement as to his or her trustworthiness and competency signed by at least three reputable residents of the Territories. • New applicants (not licensed in any jurisdiction) are required to pass the General Insurance Examination prepared by the Insurance Institute of Canada before a license can be issued.

Non-resident applicants must submit an original, personal non-resident endorsement, certificate of agent status, or certificate of authority not more than three months old, from the appropriate licensing authority in their home jurisdiction. This document must be issued to the Northwest Territories or the Territory of Nunavut on behalf of the applicant.

CI A A /A CEI CL A IM S M A NUA L 2017

Adjuster Licensing

LICENSING BY PROVINCE SASKATCHEWAN Level 1 Entry Level

Level 2 Level 3 Adjusting Firm Operational Management Level Level

Must successfully complete the following: • The General Insurance Council Bylaws examination. and • The C11 course and examination offered by the Insurance Institute of Canada. or • The General Insurance Essentials (GIE) course and examination offered by the Insurance Institute of Canada. or • The General Insurance Council Adjuster Qualifying examination. or • Experience as an all classes (other than life insurance agent/salesperson) for no less than two years within the past five years. or • Experience as a general claims adjuster in an insurance company, general agent or adjusting company for no less than one year within the past three years. • All reports and correspondence must be signed by a level 2 or level 3 licensee; level 1 licensees shall not manage an adjusting firm, act as a supervisor or act as a public adjuster.

A person applying for a Level 2 license must meet the licensing qualifications for a Level 1 license and successfully complete one of the following: • Experience as a Level 1 licensee for a minimum of two years and C32, C110, C111 and C112 courses and examinations offered by the Insurance Institute of Canada. or • Experience as a general claims adjuster in an insurance company, general agent or adjusting company for no less than five years within the past seven years. • Level 2 licensees shall not manage an adjusting firm; or act as a public adjuster.

CI A A /A CEI CL A IM S M A NUA L 2017

Must meet the licensing qualifications for a level 2 license and successfully complete: • The course of study leading to a Chartered Insurance Professional (CIP) or an Associate (AIIC) designation through the Insurance Institute of Canada including Claims Professional Series courses and examinations for the C110, C111 and C112. • A Level 3 licensee shall not manage an adjusting firm unless he or she has at least two years experience as a licensed adjuster/adjuster representative within the past five years; or manage or supervise more than three office locations.

• An adjusting firm must provide evidence the adjusting firm is registered with the Corporations Branch of the Government of Saskatchewan. • An adjusting firm must designate one Level 3 licensee who is employed predominately by the adjusting firm to be responsible for the overall management and supervision of the adjusting firm and its office locations. • Failure to designate a Level 3 licensee who is responsible for the overall management and supervision of the adjusting firm or its office locations may result in the suspension of the adjusting firm’s license.

Continuing Education

• Continuing education for an adjuster licensee must be directly related to claims handling, general insurance products or services, or the management of an adjusting firm. • Courses, programs or meetings related to sales production, promotion, motivation or computer training do not qualify for credit hours. • Licensees are required to earn a minimum of: a) eight credit hours of continuing education through an accredited course provider each annual reporting period; or b) a specified approved course offered by the Canadian Independent Adjusters’ Association each annual reporting period. • Non-resident licensees are required to comply with continuing education requirements in Saskatchewan unless they can provide evidence they are complying with a continuing education requirement in their resident jurisdiction.

LICENSING BY PROVINCE

Eligibility Requirements for resident applicants Must be in the employ of an adjusting firm. Must pass a qualifying examination set by Council and with a mark of 75% or higher.

Level 1 – Level 2 – Level 3 – Assistant Adjuster Assistant Adjuster Adjuster • Pass a written examination set by Council with a mark of not less than 75%. • Prohibited from signing any reports or correspondence unless countersigned by the holder of a Level 4 license. • Must upgrade to Level 2 within 18 months from the original date the Level 1 license was issued.

• Prohibited from signing any reports or correspondence unless countersigned by the holder of a Level 4 license. • Must upgrade to a Level 3 within three years from the original issue date of the Level 2 License. • Must successfully complete either C11 (Principles & Practice) or two General Insurance Essentials courses.

• Has been employed as an insurance adjuster in an adjusting firm or general insurance company for a minimum of 2 years. • Has successfully completed the following Insurance Institute of Canada courses: C11 (Principles & Practices of Insurance); C12 (Insurance on Property Part I); C17 (Claims 1) or C110 (Essentials of Loss Adjusting); and any one of C13 (Insurance Against Liability–Part I), C14 (Automotive Insurance–Part I), C111 (Advanced Loss Adjusting), or C112 (Practical Issues in Claims Management). • Prohibited from acting as the supervising manager for an adjusting firm.

Level 4 – Level 5 – Independent Adjuster Firm License • Has been employed as an insurance adjuster in a general insurance company or an adjusting firm for not less than five years. • Is sponsored by an adjusting firm. • Has successfully completed the following eight IIC courses: C11 (Principles and Practices), C12 (Insurance on Property), C13 (Insurance Against Liability), C14 (Personal Automobile), C17 (Claims I), or C110 (Essentials of Loss Adjusting), C111 (Advanced Loss Adjusting), C112 (Practical Issues in Claims Management), C16 (The Business of Insurance). • Authorized to act as the supervising manager for an adjusting firm.

• Has attained their CIP designation through the Insurance Institute of Canada. • Authorized to manage the office of an adjusting firm. • Holds a Level 4 insurance adjuster’s license. • Employs a Level 4 to provide on-site supervision or does so themselves • Provides evidence of registration with the Companies Office of the Government of Manitoba. • Operates in an office separate from any financial institution or insurance company and holds the office out publicly as the office of an adjusting firm.

Adjuster Licensing

MANITOBA

Continuing Education • License holders are required to accumulate eight hours of continuing education credits for each licensing year — July 1 to June 30. • A maximum of four continuing education credit hours can be carried forward per year.

CI A A /A CEI CL A IM S M A NUA L 2017

Adjuster Licensing

LICENSING BY PROVINCE ONTARIO Letter of Authority

Probationary Adjusters License

Full Adjusters License

In order to obtain a license, an applicant must meet the following requirements: • Complete an Insurance Adjuster application, provide applicable supporting documents and pay the required fee of $75. • Be familiar with the laws of Ontario relating to the licensing of adjusters. • Be sponsored by an adjusting company, adjusting partnership or fully licensed adjuster.

After being granted a Letter of Authority, four IIC courses must be completed: • C11 (Principles and Practice of Insurance) C12 (Insurance on Property) C14 (Automobile Insurance – Part 1) C110 (Essentials of Loss Adjusting)

Must successfully complete all eight IIC courses, before appearing in front of the Qualifications Board to complete an oral exam. Must successfully pass the oral exam and forward the results to FSCO. Based on a review of the exam results, a full license will be issued.

Must successfully complete an additional four IIC courses within 30 months of obtaining a Probationary Adjusters License: C13 (Insurance Against Liability – Part 1) C32 (Bodily Injury Claims) C111 (Advanced Loss Adjusting) C112 (Practical Issues in Claims Management)

QUÉBEC A representative authorized to act in the claims adjustment sector is authorized to act with respect to personal and commercial claims.

How to obtain a representative’s certificate: • Step 1: Satisfy the minimum qualifications • Step 2: Pass the AMF examinations • Step 3: Complete a probationary period • Step 4: Apply for representative’s certificate

Minimum Qualifications

AMF Examinations

Probationary Period

• Diploma of Collegial Studies from Québec (DCS); • Diploma of Collegial Studies (DCS) Insurance and Financial Advisory Services; • Attestation of collegial studies in damage insurance recognized in an agreement entered into for that purpose between the AMF and a Québec college-level institution; • Two university certificates of 30 credits each from a Canadian university; • Bachelor’s degree, specialized graduate diploma (D.E.S.S.), Master’s degree or doctoral degree from a Canadian university; • Decision issued by the AMF recognizing a level of education equivalent to the Diploma of Collegial Studies; • Comparative evaluation for studies done outside Québec issued by the ministère de l’Immigration et des Communautés culturelles du Québec, indicating a minimum of 13 years of studies; • Secondary school diploma or equivalent level of education and a decision issued by the AMF recognizing at least 3 years of fulltime work experience.

The AMF requires future professionals to pass the following examinations, based on the sector or sector class in which they plan to practice, in order to ensure they have the necessary skills to properly advise clients. For personal lines damage insurance: • 05-105 • 05-401 • 05-402 • 05-501 For commercial lines damage insurance: • 05-105 • 05-403 • 05-406 • 05-409 • 05-502 An examination is valid for two years from the date passed. A failed exam may be rewritten three times.

Once all examinations are passed, a probationary period must be completed. During this time, at least 28 hours of work a week must be completed, under supervision. All examinations must be valid when beginning the probationary period, which extends for: • 12 weeks for the claims adjustment sector; • 6 weeks for the claims adjustment in personal lines damage insurance sector class; and • 6 weeks for the claims adjustment in commercial lines damage insurance sector class.

CI A A /A CEI CL A IM S M A NUA L 2017

Certification • Must submit an application to the AMF before the examinations expire. • If the examinations expire during the probationary period, the applicant has 30 days from the end of this period to apply. • While the application is being processed and on receipt of a notice to this effect from the AMF, the probationary certificate will remain in effect for a maximum of 45 days as of the end of the probationary period.

Professional Development Compulsory Professional Development Requirements over a 2-year period: • 10 PDU’s in administration or insurance techniques or law and legislation • 10 PDU’s in professional development or other categories • Those who earn more than 20 required PDU’s may transfer 3 PDU’s to the following compliance period • Newly certified members will be exempted from compulsory professional development for 12 months after having passed their entrance examinations.

LICENSING BY PROVINCE

Level 1 – Probationary Adjuster

Level 2 – Assistant Adjuster

Level 3 – Adjuster

Level 4 – Independent Adjuster

Level 5 – Partnership or Corporate Adjuster License

• Submit a completed application, which must be signed by an officer or partner of a Level V Licensee, an adjusting firm, indicating that the licensee has agreed to sponsor this individual’s license application. • Submit a signed Level I Adjuster Agreement. • Successfully complete the Insurance Institute of Canada course C11 (Principles and Practices of Insurance). • Pay the licensing fee

• Submit a completed application. • Submit a signed Level II Adjuster Agreement. • Successfully complete the Insurance Institute of Canada courses C12 (Insurance Property Part I), C14 (Personal Automobile Insurance) and C110 (Essentials of Loss Adjusting). • Pay the licensing fee. • Establish eligibility to hold a Level I license.

• Submit a completed application form. • Submit a Level III Adjuster Agreement. • Pay the licensing fee. • Successfully complete the Insurance Institute of Canada courses C13 (Insurance Against Liability) and C111 (Advanced Loss Adjusting). • Establish eligibility to hold a Level II License.

• Submit a completed application form. • Pay the licensing fee. • Successfully complete the Insurance Institute of Canada courses C32 (Bodily Injury Claims) and C112 (Practical Issues in Claims Management). • Establish eligibility to hold a Level III License. • Have a minimum of two years practical experience as a Level II or III licensee, or both.

• Submit a completed application form signed by an officer or partner. • Payment of licensing fee. • Submit a list of the individuals holding a Level IV Adjuster License for each place of business of the applicant.

NEW BRUNSWICK Level 1 – Probationary Adjuster • Shall be supervised by a level 3 licensee having a minimum of 12 months of experience at that level or by a level 4 licensee, and the supervisor shall be responsible for the instruction and conduct of the level 1 licensee. • Shall not adjust an insurance claim in his or her own right. • Shall not enter into correspondence, submit reports or prepare memoranda respecting the adjustment of an insurance claim assigned to his or her supervisor unless authorized by his or her supervisor. • Shall have all claim reports and settlement offers countersigned by his or her supervisor. • Obtain a level 2 license within 12 months after being issued a level 1 license.

Level 2 – Assistant Adjuster • Either before a level 1 license is issued or within 12 months after the license is issued, unless an extension of time is given under section 13, an applicant for a level 2 license shall have successfully completed one of the following programs offered by the Insurance Institute of Canada: C11 (Principles and Practices of Insurance); or C81 (General Insurance Essentials - Part 1) and C82 (General Insurance Essentials - Part 2) •Within 12 months after a level 1 license is issued, the applicant for a level 2 license shall have acquired 12 months of work experience as an adjuster. • The superintendent may waive any part of the work experience requirement for an applicant for a level 2 license if the Superintendent is satisfied that the applicant has sufficient experience or training in the insurance industry. • Shall be supervised by the holder of a level 3 license who has a minimum of 12 months of experience at that level or by the holder of a level 4 license, and the supervisor shall be responsible for the instruction and conduct of the level 2 licensee. • Shall not adjust an insurance claim in his or her own right. • Shall not enter into correspondence, submit reports or prepare memoranda respecting the adjustment of an insurance claim assigned to his or her supervisor unless authorized by his or her supervisor. • Shall obtain a level 3 license within 36 months after being issued a level 2 license.

Level 3 – Adjuster • Either before a level 2 license is issued or within 36 months after the license is issued, unless an extension of time is given under section 18, the applicant for a level 3 license shall have successfully completed one of the following programs offered by the Insurance Institute of Canada: * for a specialization in property damage: C11 (Principles and Practices of Insurance) or C81 (General Insurance Essentials - Part 1) and C82 (General Insurance Essentials - Part 2) C12 (Insurance on Property) C13 (Insurance Against Liability - Part 1) C110 (Essentials of Loss Adjusting) or C17 (Claims 1) C111 (Advanced Loss Adjusting) or C33 (Insurance on Property - Part 2) and (C46 Claims 2) * for a specialization in automobile physical damage: C11 (Principles and Practices of Insurance) or (C81 General Insurance Essentials - Part 1) and C82 (General Insurance Essentials - Part 2) C13 (Insurance Against Liability - Part 1) C14 (Automobile Insurance - Part 1) C110 (Essentials of Loss Adjusting) or C17 (Claims 1) and C111 (Advanced Loss Adjusting) or C46 (Claims 2)

Adjuster Licensing

NOVA SCOTIA

Level 4 – General Adjuster * for a specialization in automobile accident benefits: C11 (Principles and Practices of Insurance) or C81 (General Insurance Essentials - Part 1) and C82 (General Insurance Essentials - Part 2) C14 (Automobile Insurance - Part 1) C32 (Bodily Injury Claims) C110 (Essentials of Loss Adjusting) or C17 (Claims 1) and C111 (Advanced Loss Adjusting) or C46 (Claims 2) * for a specialization in bodily injury: C11 (Principles and Practices of Insurance) or C81 (General Insurance Essentials - Part 1) and C82 (General Insurance Essentials - Part 2) C13 (Insurance Against Liability - Part 1) C14 (Automobile Insurance - Part 1) C32 (Bodily Injury Claims) C110 (Essentials of Loss Adjusting) or C17 (Claims 1) and C111 (Advanced Loss Adjusting) or C46 (Claims 2) • Within 36 months after a level 2 license is issued, the licensee shall acquire 24 months of work experience in claims adjusting, but any experience acquired before the level 2 license was issued shall not count for the purpose of this subsection.

• An applicant for a level 4 license shall have successfully completed the following program offered by the Insurance Institute of Canada: C11 (Principles and Practices of Insurance) or C81 (General Insurance Essentials Part 1) and C82 (General Insurance Essentials Part 2) C12 (Insurance on Property) C13 (Insurance Against Liability - Part 1) C14 (Automobile Insurance - Part 1) C32 (Bodily Injury Claims) C110 (Essentials of Loss Adjusting) or C17 (Claims 1) C111 (Advanced Loss Adjusting) or C33 (Insurance on Property - Part 2) and C46 (Claims 2) and C112 (Practical Issues in Claims Management) • The applicant shall have acquired 24 months of work experience in claims adjusting while holding a level 3 license. CI A A /A CEI CL A IM S M A NUA L 2017

Adjuster Licensing

LICENSING BY PROVINCE PRINCE EDWARD ISLAND Probationary Adjuster’s License

Full Adjuster’s License

Must be supervised by a Full licensee, who works out of the same location as the Probationary licensee. All claims reports and settlement offers completed or submitted by the Probationary licensee must be reviewed and countersigned by the Full licensee. A Supervision Undertaking detailing this relationship must be signed by both the supervising Full adjuster and the Probationary adjuster. A Probationary adjuster must complete C11 (or C81 and C82 as an equivalent) of the Insurance Institute of Canada syllabus during their initial year of being licensed.

Must have two years practical experience and complete eight courses from the syllabus within five years of becoming a probationary adjuster. There are five mandatory courses, which are C11, C14, C32, C110, and C111. Completion of C81 and C82 in lieu of C11 constitutes one course for the purpose of obtaining the eight required.

NEWFOUNDLAND & LABRADOR Level 1

Level 2

Level 3

Level 4

May be issued to a person who has achieved at least 75% success on an adjuster license examination prescribed by the superintendent, or has equivalent qualifications acceptable to the superintendent. Shall work only on behalf of his or her sponsor or the sponsor’s employer. During the first year following issue of the initial license may assess claims or engage in negotiation of an insurance settlement only under supervision of a person holding an adjuster Level III or IV license, who shall review and countersign a claim report or settlement offer submitted by the Level I licensee.

Shall complete the requirements to qualify for an adjuster Level II license and apply for a Level II license within the 3-year period immediately following issue of the initial adjuster Level I license. Failure to comply with this section shall be cause for suspension, revocation or cancellation of the Level I license. May be issued to a person who has held an adjuster Level I license for at least 2 years. Must have successfully completed all of the following courses of the Insurance Institute of Canada: C11 (Principles and Practices of Insurance) C12 (Insurance on Property) C14 (Automobile Insurance) C17 (Claims 1) or Has equivalent qualifications acceptable to the superintendent.

May be issued to a person who has held an adjuster Level II license for at least one year. Must have successfully completed, within the 3 year period immediately preceding application, all of the following courses of the Insurance Institute of Canada: C13 (Insurance Against Liability) C33 (Insurance on Property - Part II) C46 (Claims II) C43 (Casualty Covers) or Has equivalent qualifications acceptable to the superintendent.

May be issued to a person who has held an adjuster Level III license for at least one year Must have successfully completed, within the 7 year period immediately preceding application, the A.I.I.C. program of the Insurance Institute of Canada, including all of the following courses: C32 (Bodily Injury Claims) C16 (Insurance Organization, Accounts and Finance) 2 optional courses or Has equivalent qualifications acceptable to the superintendent.

*Sponsorship limit A person holding an adjuster Level IV license shall not sponsor more than 5 persons holding adjuster Level I licenses.

CI A A /A CEI CL A IM S M A NUA L 2017

CICMA ARBITRATION AGREEMENT

Canadian Inter-Company Arbitration Agreement - Outline Expedites the resolution of claim disputes between insurers and lowers litigation costs. Generally, the agreement only applies to any physical damage subrogation claims (including related business interruption) between signatories however any claims may be arbitrated by mutual consent of the controverting parties (interests of non-insurance companies or other parties may not be arbitrated per Arbitration Rules & Regulations – General, Item 4). Unless the parties mutually consent the following cannot be arbitrated:

• • • •

Claims involving non-signatory companies (other than by consent as noted above). Claims involving litigation commenced prior to becoming a signatory. Claims where coverage is disputed. Boiler and Machinery; Aviation; and Ocean Marine claims.

Eligibility:

Only insurance companies may become signatories.

Amount:

Any amount by consent otherwise $50,000 all-inclusive.

Location of Claim: Canada (anywhere by mutual consent of controverting parties). Prearbitration:

Mandatory before filing.

Copies of Agreement and forms: Arbitration Secretary: Filing Fee:

Upon request from the CICMA/ACDSA National Arbitration Secretary or your local CICMA/ACDSA Chapter.

CICMA/ACDSA National Arbitration Secretary c/o Insurance Bureau of Canada 777 Bay Street, Suite 2400 Toronto, Ontario M5G 2C8

Inter-Company Arbitration

Canadian Insurance Claims Managers’ Association

Non-refundable $200 paid by applicant. (If arbitration is discontinued the fee is forfeited.) Non-refundable $200 paid by respondent only if filing a counter claim.

Payable at the time of filing. No arbitration statement will be accepted unless accompanied by the filing fee. How?? Applicant: 1. Make seven copies of the fully completed Arbitration Statement. 2. Retain one copy and send one copy to the Arbitration Secretary together with the $200 filing fee and four copies of supporting documentation. 3. Send five copies to the Respondent. Respondent: 1. Retain one copy and return one copy to the applicant together with your response. 2. Send three copies to the Arbitration Secretary together with four copies of supporting documentation. Time Allowed to Respond: Thirty days Number of Panel Members: For claims less than 10% of the applicable limit - One member Claims of 10% or more - Three members Panel Members: Scheduling of Hearing: Who may attend: Payment Due:

Selected by the National Arbitration Secretary from CICMA members who are not employed by the controverting parties. Established by Chair of the Arbitration Panel. Controverting parties may attend. Thirty days after the Arbitration Panel has communicated the decision.

Decisions – Binding and final, rendered promptly Right of appeal or rehearing – None Source for the full text of the CICMA Agreement: https://www.cicma.ca/en/arbitration_agreement.html

CI A A /A CEI CL A IM S M A NUA L 2017

Inter-Company Arbitration

ARBITRATION AGREEMENT SIGNATORIES TO CANADIAN INTER-COMPANY ARBITRATION AGREEMENT (CICMA) A

ACE INA Insurance Aetna Casualty & Surety Co. of Canada (Travelers Insurance Company of Canada as of May 1, 2012) Aegon Insurance Company (U.K.) Limited Affiliated FM Insurance Company Alberta Motor Association Ins. Co. Allianz Insurance Company of Canada (The Nordic Insurance Company of Canada as of Apr. 1, 2006; part of Intact Financial Corporation) Allstate Insurance Company of Canada (Allstate Canada Group of Companies) Alpina Insurance Company (Zurich Insurance Company Ltd as of Dec. 16, 1996) Anglo Canada General Insurance Company (Novex Insurance Company as of May 1, 2012; part of Intact Financial Corporation) Ascentus Insurance Ltd. (part of RSA Canada Group) Assicurazioni General Aviva Canada Inc. Aviva General Insurance Company (part of Aviva Canada Inc.) Aviva Insurance Company of Canada (part of Aviva Canada Inc.) AXA Assurances agricoles Inc. (part of Intact Financial Corporation) AXA Assurances Inc. (part of Intact Financial Corporation) AXA Insurance (Canada) (part of Intact Financial Corporation) AXA Pacific Insurance Company (part of Intact Financial Corporation)

BCAA Insurance Corporation Belair Insurance Company Inc. (part of Intact Financial Corporation)

Cabot Insurance Company Limited (Aviva Insurance Company of Canada as of May 1, 2003) Canada Life Casualty Insurance Co. Canada West Insurance Company Canadian Direct Insurance Incorporated Canadian General Insurance Company (Aviva Insurance Company of Canada as of May 1, 2003) Canadian Group Underwriters Ins. Co. (ING Novex Ins. Co. of Canada as of Mar.1, 2000; Novex Ins. Co. as of Apr. 2, 2009, part of Intact Financial Corporation as of March 19, 2012) The Canadian Surety Company (Nordic Insurance Company of Canada as of Ap.1, 2006) La Capitale Compagnie d’assurances générales (part of La Capitale Financial Group) Chieftain Insurance Company (The CI A A /A CEI CL A IM S M A NUA L 2017

Dominion of Canada General Insurance Company as of Jan. 1, 2002; part of Travelers Canada as of Nov. 1, 2013) CIBC General Insurance Co. Ltd. (ceased 2001) CIGNA Insurance Company of Canada (ACE INA Insurance as of Sep. 1, 1999) Citadel General Assurance Company (discontinued as of Aug. 21, 2006) The Commonwell Mutual Insurance Group Continental Casualty Company Continental Insurance Company CNA Canadian Operations (transferred policies to Continental Casualty Company and ceased as of Dec. 21, 2001) Co-operators General Insurance Company (Les Cooperants, Compagnie d’Assurance Generale; part of The Co-operators Group Limited) Coronation Insurance Company Limited COSECO Insurance Company (part of The Co-operators Group Limited; managed by HB Group Insurance Management Ltd.) CUMIS General Insurance Company (part of The Co-operators Group Limited)

Desjardins Assurances generales Inc. (part of Desjardins General Insurance Group Inc.) The Dominion of Canada General Insurance Company (part of Travelers Canada as of Nov. 1, 2013)

Ecclesiastical Insurance Office plc Economical Mutual Insurance Company (part of The Economical Insurance Group) Elite Insurance Company (part of Aviva Canada Inc.) Employers Insurance Company Everest Insurance Company of Canada

Farmers Mutual Insurance Company (Lindsay) (part of The Commonwell Mutual Insurance Group) Factory Mutual Insurance Company Federated Insurance Company of Canada (part of Northbridge Insurance) Federation Insurance Company of Canada (part of The Economical Insurance Group) First National Insurance Company (ceased 2001) Fortress Insurance Company

GAN Canada Insurance Company (Traders General Insurance

Co. as of Dec. 31, 1999; part of Aviva Canada Inc.) The General Accident Assurance Co. of Canada (CGU Insurance Co. of Canada as of Mar. 31, 1999; Aviva Insurance Company of Canada as of May 5, 2003) General Insurance Company of America (ceased 2001) Gore Mutual Insurance Company Grain Insurance and Guarantee Company (Wynward Insurance Group as of May 1, 2013) Guardian Insurance Company of Canada (The Nordic Insurance Co. of Canada as of Feb. 1, 1999; part of Intact Financial Corporation)

Halifax Insurance Company (ING Insurance Company of Canada as of Jan. 1, 2002 > Intact Financial Corporation as of March 10, 2009) Hartford Fire Insurance Company Hartford Insurance Company of Canada (Langdon Insurance Co. Aug. 1, 2001; Economical Mutual Insurance Company as of Jan. 1, 2004) Helvetia Swiss Insurance Company (ceased 2000)

Industrielle Alliance, Assurance auto et habitation Inc. (signed Jan.27.10; resigned June 15, 2011) Insurance Company of New Brunswick Insurance Company of P.E.I. Insurance Corporation of Newfoundland Ltd. (AXA General Insurance Company as of Jan. 1, 2007; Novex Insurance Company as of May 1, 2012; part of Intact Financial Corporation) Intact Insurance Company (formerly ING Insurance Company of Canada; part of Intact Financial Corporation)

La compagnie d’assurances JEVCO (JEVCO Insurance Company effective Jan. 31,2013)

Kent General Insurance Company (Citadel General Assurance Co. Nov. 30, 1997; discontinued Aug. 21, 2006)

Liberty Mutual Fire Insurance Company (ceased 2007) Liberty Mutual Insurance Company Lombard General Ins. Co. of Canada (Northbridge General Insurance Corp. as of Oct.r 7, 2011) Lombard Insurance Company (Northbridge Personal Insurance Corp. as of Oct. 7, 2011) London Guarantee Insurance Company (St. Paul Guarantee

ARBITRATION AGREEMENT

Markham General Insurance Company (MGIC) (ceased 2000) Mennonite Mutual Fire Insurance Company Metro General Insurance Corporation Ltd. (part of Intact Financial Corporation) The Missisquoi Insurance Company (part of The Economical Insurance Group) Motors Insurance Corporation

The Nordic Insurance Company of Canada (formerly Guardian Insurance Co. of Canada; part of Intact Financial Corporation) Novex Insurance Company (formerly Canadian Group Underwriters Ins. Co., ING Novex; part of Intact Financial Corporation)

Old Republic Insurance Company of Canada Optimum Assurance Agricole inc. (in English: Optimum Farm Insurance Inc.) Optimum Insurance Company Inc. (in French: Optimum Societe d’Assurances) Optimum West Insurance Company OTIP/RAEO Insurance Company Inc. (Everest Insurance Co. of Canada as of Dec. 31, 1996)

Pafco Insurance Company (part of Allstate Canada Group of Companies) Peace Hills General Insurance Company Pembridge Insurance Company (part of Allstate Canada Group of Companies) Peopleplus Insurance Company (ceased as of May 3, 2002) Personal Insurance Co. of Canada (part of Desjardins General Insurance Group) Perth Insurance Company (part of The Economical Insurance Group)

Pilot Insurance Company (part of Aviva Canada Inc.) Primmum Insurance Company (CT Direct Insurance Company as of March 10, 1998; TD General Insurance Company as of September 1, 2000; part of TD Insurance) Progressive Casualty Ins. Co. of Canada (ceased in 1999) Prudential of America General Insurance Company Canada (TD Home and Auto Insurance Company as of May 28, 2004)

Quebec Assurance Company (RSA Group)

Red River Valley Mutual Insurance Company Reliance Insurance Company (ceased 2001) Repwest Insurance Company Royal & Sun Alliance Insurance Company of Canada (part of RSA Group)

S&Y Insurance Company (part of Aviva Canada Inc.) Saskatchewan Mutual Insurance Company Scotia General Insurance Company (ceased 1999) Scottish & York Insurance Co. Limmited (part of Aviva Canada Inc.) La Securite, Compagnie d’Assurances Generales Security National Insurance Company (part of TD Insurance) Simcoe & Erie General Insurance Company (GAN General Insurance Co. as of 1996; CGU Insurance Co. of Canada as of Dec 31, 1999; Aviva Insurance Company of Canada as of May 5, 2003) Sovereign General Insurance Company (part of The Co-operators Group Limited) SSQ, Societe d’assurances générales Inc. The St. Paul Fire & Marine Insurance Co. (part of Travelers Canada) State Farm Fire and Casualty Company (part of Desjardins General Insurance Group Inc.) State Farm Life Insurance Company (part of Desjardins General Insurance Group Inc.) State Farm Mutual Automobile Company (part of Desjardins General Insurance Group Inc.) La Suisse Compagnie Anonyme d’Assurance Generales (likely ceased) Switzerland Insurance Company

TD Direct Insurance Inc.

TD General Insurance Company (part of TD Insurance) TD Home and Auto Insurance Company (part of TD Insurance) Temple Insurance Group (part of Munich Re) Thompson General Insurance Inc. Tokio Marine and Fire Company Limited (Tokio Marine & Nichido Fire Ins. Co.; part of Northbridge Financial Corporation) Traders General Insurance Company (part of Aviva Canada Inc.) Trafalgar Insurance Company of Canada (part of Intact Financial Corporation) Travelers Casualty and Surety Co. of Canada (formerly Aetna Casualty and Surety Co. of Canada; Travelers Insurance Company of Canada as of May 1, 2012)

U-Haul Co. (Canada Ltd.) U-Haul Co. Phoenix Arizona U-Haul International Unifund Assurance Company (part of RSA Canada Group) L’Union Canadienne compagnie d’assurances (part of RSA Canada Group) L’Unique assurances générales inc. (part of La Capitale Financial Group) United States Fire Insurance Company (ceased 1992)

Waterloo Insurance Company (part of Economical Insurance) The Wawanesa Mutual Insurance Company Wellington Insurance Company (ING Wellington Insurance Co. as of October 27, 2000; ING Insurance Co. of Canada as of July 1, 2002; Intact Insurance Company; part of Intact Financial Corporation) Western Assurance Company (part of RSA Group) Western Union Insurance Company (part of Intact Financial Corporation) Westland Insurance Company Limited

York Fire and Casualty Company (Unica Insurance Incorporated as of Nov 14, 2011; part of La Capitale Financial Group)

Zurich Insurance Company Ltd. Source for changes, mergers, amalgamations and cessations: http://www.osfi-bsif.gc.ca/Eng/ Docs/monlist.pdf

For up-to-date list of signatories refer to www.ibc.ca, section Industry Resources > IBC Claims Agreements.

Inter-Company Arbitration

Insurance Company as of Jan. 1, 2003; Travelers Guarantee Co. of Canada as of Jan. 1, 2007; Travelers Insurance Company of Canada as of May 1, 2012) Longroup Insurance Company (London Guarantee Insurance Co. as of June 12, 1995; St. Paul Guarantee Insurance Co. as of Jan. 1, 2003; Travelers Guarantee Co. of Canada as of Jan. 1, 2007; Travelers Insurance Co. of Canada as of May 1, 2012) Lumbermens Mutual Casualty Company (ceased 2011)

Claims Settlement

INTERCOMPANY SETTLEMENT RULES

*(Intercompany Settlement Rules are based on the Rule 10 of the IBC’s Claims Agreement, reproduced with the permission of Insurance Bureau of Canada) Intercompany Settlement Chart This rule applies countrywide, except as and when Section 263. (Direct Compensation-Property Damage) of the Ontario Insurance Act or the Quebec Direct Compensation Agreement applies. It is applicable only where indemnity is provided for all involved vehicles by a motor vehicle liability policy, and only where the damage to any vehicle in respect of which subrogation is being exercised does not exceed $50,000,inclusive of applicable taxes, or as agreed by the signatories. Where damage to a vehicle results from a vehicle-to-vehicle collision on a public thoroughfare or private property, insurers agree (a) to pay collision deductibles to their own insureds on the basis of the apportionment of liability shown on the Intercompany Settlement Chart* appended hereto for the circumstances therein described; and (b) to subrogate against each other on the same basis for the collision damage and loss of use claim indemnifiable by each and for the deductible payable by each by virtue of this Rule. Where a dispute as to the facts prevents the ready application of the Intercompany Settlement Chart, each insurer involved shall designate a senior claims official to try to resolve the dispute promptly. NOTES TO RULE 10 GENERAL 1. This Rule is not binding on an insured. Therefore, an insured may elect to seek a different basis of settlement of his/her deductible or any other uninsured loss.

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2. In applying this Rule the configuration of the vehicles at the moment of impact will be used to determine the appropriate fact situation in the Intercompany Claims Chart and no external condition leading up to the moment of impact shall be considered. 3. The dotted lines used in the situations on the Chart are intended to indicate centre line or lane boundaries and do not imply passing zones. 4. Where there is a dispute as to the facts or the application of the Agreement, it shall first be referred to senior claims officials of the insurers involved. If the matter cannot be resolved by senior claims officials of the insurers involved, the provisions of the Arbitration Agreement will apply for those companies which are signatories to that Agreement. 5. Farm Equipment or Unlicensed Vehicle: The Chart would apply if indemnity is provided by a Motor Vehicle Liability Policy whether the vehicle is licenced or not. If coverage is provided for these vehicles by a CGL or other type of liability policy, the Chart would not apply unless agreed to by the signatory companies. 6. Stolen Vehicles and Driver Blackouts: The Agreement does not apply to stolen vehicles but does apply to driver blackout. The intent of the rule is to provide a guideline where indemnity is provided. There is indemnity under the Driver Blackout situation.

7. Uninsured Vehicles: In the event that more than two vehicles are involved in a loss, the Agreement applies only to those vehicles insured by signatory companies WHO ARE PRESENTING SUBROGATED CLAIMS. Other losses should be governed by tort. 8. Vehicles with PD Deductibles/ Emergency Vehicles: In such a situation, indemnity is provided under a Motor Vehicle Policy, and therefore these vehicles will be covered under the Agreement. A problem arises in situations where there is a PD deductible and insureds feel that claims are being settled to their detriment. It has been suggested that if the rationale of the Agreement is explained, it might alleviate the problem and that at the inception or renewal dates of the policy it would be of assistance to obtain written consent from the insured indicating his assent to the Agreement. * (See Intercompany Settlement Chart on Page 10) 9. Multiple Vehicle Accidents - NonSignatory Companies: Where two or more vehicles are in an accident, the Agreement applies to the signatory companies who are presenting subrogated claims. Claims presented by nonsignatories should be governed by tort. 10. Damage to Buildings: Rule 10 “the Intercompany Settlement Chart” only applies to vehicle damage, and therefore damage to buildings would not be covered under this rule. In most situations, it is felt that damage to buildings would be covered under Rule 7 “innocent third parties”.

INTERCOMPANY SETTLEMENT RULES

Alberta: Highway Traffic Act, RSA 1980 c H-7 Definition 1(h) “intersection” means the area embraced within the prolongation or connection of (i) the lateral curb lines or, if none, (ii) the exterior edges of the roadways, of 2 or more highways which join one another at an angle whether or not one highway crosses the other; British Columbia: Motor Vehicle Act RSBC 1979 c.288 Part 3 Interpretation 115 “intersection” means the area embraced within the prolongation or connection of the lateral curb lines, or if none, then the lateral boundary lines of the roadways of the 2 highways which join one another at or approximately at right angles, or the area within which vehicles travelling on different highways joining at any other angle may come in conflict; and, for the purpose of this definition, “highway” does not include a lane or way less than 5 m in width separating the rear property lines of parcels of land fronting on highways running more or less parallel to and on each side of the lane or way; Manitoba: Highways Protection Act RSM 1987 c. H50 Definition 1 “intersection” means a place where two or more highways join one another at an angle, whether or not one such highway crosses the other; (“intersection”) New Brunswick: Motor Vehicle Act RSNB 1973 c. M17 Definitions “intersection” means the area enclosed within the lateral boundary lines of two or more roadways that join one another at an angle, and lines drawn at right angles across each such roadway from the points where such lateral boundary lines intersect or meet;

Newfoundland: Highway Traffic Act RSN C. H-3 Definitions 2(ff) “intersection” means the area enclosed within the prolongation or connection of the lateral curb lines or, where there are no curb lines, the lateral boundary lines of 2 or more highways that join one another at an angle, whether or not 1 highway crosses the other; Nova Scotia: Motor Vehicle Act RSNS c. 293 Interpretation 2(v) “intersection” means the area embraced within the prolongation of connection of the lateral curb lines or, if none, then of the lateral boundary lines of two or more highways which join one another at an angle, whether or not one highway crosses the other; Ontario: Highway Traffic Act RSO 1990 c. H.8 Definitions “intersection” means the area embraced within the prolongation of connection of the lateral curb lines or, if none, then of the lateral boundary lines of two or more highways which join one another at an angle, whether or not one highway crosses the other; P.E.I.: Highway Traffic Act RSPEI 1988 c. H-5 Definitions (i.1) “intersection” means the area enclosed within the prolongation or connection of the lateral curb lines or, if there are no curb lines, the lateral boundary lines of two or more highways that join one another at an angle, whether or not one highway crosses the other; Quebec: Direct Compensation Agreement for the Settlement of Automobile Claims Automobile Insurance Act RSQCA - 25,5 116 and 173 “intersection” means a place where several public roads, streets, avenues or boulevards intersect, including lanes in parking lots but excluding lanes between buildings.

Saskatchewan: The Vehicle Act RSS 1978 c.V-3 Definitions: 2(p) “intersection” means the area embraced within the straight production: (i) of the lateral curb lines; or (ii) in the absence of curb lines, of the lateral boundary lines; of two or more public highways that join one another at an angle, whether or not one such public highway crosses the other; SPECIAL NOTES TO SITUATIONS ON CHART (P. 88) Situation #1: Notwithstanding anything previously stated relative to insurers paying for and subrogating on collision deductibles on first party claims, for the purpose of the “chain reaction rule” only, the following shall apply:

Claims Settlement

11. Intersection: The term “intersection” means an area as defined in the applicable Act. Definitions from the various provincial Acts follow:

(a) A collision insurer will pay in full all of the rear-end damage to its insured’s vehicle; that portion of the front-end damage that exceeds the deductible, and except in the case of the last vehicle, 50% of the deductible and 50% of the loss of use paid by each. (b) The collision insurer shall then receive by way of recovery from the liability insurer of the following vehicle 100% of the rear-end damage and 50% of the front-end damage including the deductible and 50% of the loss of use it has paid as outlined in (a) above. (c) Regardless of the recovery apportionment stated in (b) above - the liability insurer of the following vehicle shall, where appropriate, negotiate directly with the owner of the preceding vehicle with respect to the remaining 50% of the latter’s deductible and 50% of the loss of use paid.

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Claims Settlement

INTERCOMPANY SETTLEMENT RULES

- if for any reason the collision insurer of the preceding vehicle has waived its insured’s deductible in whole as related to the front-end damage this too shall be a separate item for negotiation as between insurers. (d) When the vehicle sustaining the collision claim is rendered a constructive total loss the subrogated collision claim to be paid by the Insurer of the following motorist shall be on the basis of 100% rear and 50% front but apportioned in the ratio that the rear-end damages and frontend damages sustained bear to the net amount of the collision claim paid. A chain-reaction occurrence means a series of impacts between more then two occupied vehicles facing the same direction, whether moving or stationary, and in the same line. Situation #2 or #3: “Centre line” means a painted or marked full or broken line in the middle of the roadway. Where such lines do not exist, the centre line is the middle of the roadway that is approved or ordinarily used for vehicular traffic not including the shoulder.

Situation #5: The occurrence depicted in Situation #5 is on a two-way street and the overtaking driver is actually on the wrong side of the road. NOTES TO ALL CIRCUMSTANCES IN THE CLAIMS AGREEMENT (a) Within an intersection or while exiting from a laneway, or driveway, - A driver who fails to obey a red traffic light is 100% liable, - A driver who fails to obey or is leaving a stop or yield sign is 100% liable. Where no signs exist, a yield the right of way sign is deemed to exist at the exit of a laneway or driveway. (b) A driver is 100% liable if the open door of his vehicle causes damage to another vehicle. (c) At a “T” intersection controlled by three-way stop signs or at a four-way intersection controlled by four-way stop signs the vehicle reaching the intersection first, having stopped, then has the right-of-way 100%.

C B A

(d) The driver of a vehicle failing to obey a police officer’s signal, proceeding the wrong way, backing up, making a U-turn or striking a parked vehicle is, in each case 100% liable. (e) Liability is apportioned as shown regardless of whether point of contact is front, centre or rear of either vehicle. (f) Where two separate Rules are both clearly operative and applicable for a given accident with each rule producing an opposite finding of responsibility and a dispute therefore arises as to which rule should have priority the subrogated claims of each insurer shall be resolved on a 50/50 basis. This includes swerving vehicles where there is no contact. (g) In unresolved disputes as to the facts due to lack of independent proof, the case will be settled 50/50.

B’s liability insurer then pays A’s collision insurer 100% of A’s rear damage.

A’s collision cover pays all of A’s rear damage

C’s collision insurer pays C’s front-end damage in excess of C’s deductible.

B’s collision insurer pays all of B’s rear damage, B’s front-end damage in excess of B’s deductible, and 50% of B’s deductible

C’s liability insurer then pays B’s collision insurer 100% of B’s rear damage and 50% of B’s front-end damage including 50% of B’s deductible and indemnifiable loss of use.

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INTERCOMPANY SETTLEMENT RULES

Claims Settlement CI A A /A CEI CL A IM S M A NUA L 2017

COMPULSORY AUTO INSURANCE COVERAGE IN CANADA Auto insurance comes under provincial jurisdiction, so the rules are slightly different in each province. The following charts compare provincial regulations and have been abbreviated for space and edited for consistency and clarity. The information is for educational purposes only; IBC recommends consulting a qualified professional for further assistance. A note about terminology: Some provincial acts refer to “spouse” and some to “spouse/partner,” which have different definitions. Some provinces use the term “unpaid housekeeper,” which is called “homemaker” or “non-earner benefit” in other provinces. “Head of household” is usually defined as the spouse or partner with the larger income in the previous 12 months. For the full legal terminology, see the links in the Sources section at the end of each provincial chart.

British Columbia as of January 1, 2017

Provincial Auto Insurance

COMPARISON OF MANDATORY PRIVATE PASSENGER AUTO INSURANCE COVERAGE BY PROVINCE

Mandatory minimum third-party liability:

$200,000 available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $20,000

Direct Compensation Property Damage Required?

Medical payments:

Up to $150,000/person

Funeral expense benefits:

$2,500

Disability income benefits:

75% of gross weekly wages to maximum $300/week; 104 weeks for temporary disability, lifetime for total disability; nothing payable for the first seven days of disability; homemaker up to $145/week, maximum 104 weeks

Death benefits:

Death following a collision; death of head of household $5,000, plus $145/ week for 104 weeks to first survivor, plus $1,000 and $35/week for 104 weeks to each child; death of spouse/partner of head of household $2,500; death of dependent child, according to age, maximum $1,500

Impairment benefits:

N/A

Right to sue for pain and suffering?

Yes

Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Government (government and private insurers compete for optional and additional coverage) Source: ICBC Autoplan Insurance, http://www.icbc.com/autoplan/Documents/autoplan-insurance.pdf

Alberta as of January 1, 2017

Mandatory minimum third-party liability:

$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000

Direct Compensation Property Damage Required?

Medical payments:

Up to $50,000/person

Funeral expense benefits:

$5,000

Disability income benefits:

80% of gross weekly wages to maximum $400/week; up to 104 weeks for total disability; nothing payable for the first seven days of disability; non-earner benefit (unemployed person 18 years or older) $135/week, up to 26 weeks

Death benefits:

Death of head of household $10,000, plus 20% ($2,000) for each dependent survivor after first, plus additional $15,000 for first survivor and $4,000 for each remaining survivor; death of spouse/adult interdependent partner of head of household $10,000; death of dependent relative, according to age, maximum $3,000; grief counselling up to $400 per family with respect to death of any one person

Impairment benefits:

N/A

Right to sue for pain and suffering?

Yes. If injury is deemed “minor” under provincial legislation, maximum award is $5,020

Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Private insurers Source: Automobile Accident Insurance Benefits Regulations, www.qp.alberta.ca/1266.cfm?page=1972_352.cfm&leg_type=Regs&isbncln=0779751140; Alberta Standard Automobile Policy, S.P.F. No. 1, http://www.finance.alberta.ca/publications/insurance/automobile-insurance/policies-forms-certificates/SPF1-Standard-Automobile-Policy-2013.pdf; Alberta Superintendent of Insurance Bulletin 07-2016, http://www.finance.alberta.ca/publications/insurance/bulletins-notices/2016/Superintendent-of-Insurance-2016-07-Bulletin.pdf

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COMPULSORY AUTO INSURANCE COVERAGE IN CANADA $200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000

Direct Compensation Property Damage Required?

No If no-fault option selected:

If tort option selected:

Medical payments:

Up to $7,813,680 /person

Up to $26,667/person for noncatastrophic injury, up to $200,000 for catastrophic injury

Funeral expense benefits:

$10,219

$6,667

Disability income benefits:

90% of net wages based on gross annual income of maximum $94,587/ year; nothing payable for the first seven days of disability unless catastrophically injured

Up to two years; $429/week for total disability (lifetime if unable to return to any job); $214 /week for partial disability; maximum $22,308/year

Death benefits:

50% of deceasedâ€™s income benefit; minimum $70,293 to spouse; 5% of calculated death benefits to each dependent child; if no spouse, $15,620 to each surviving parent or child (21 years or older), to maximum $70,293; death of dependent child $31,240

45% of deceasedâ€™s net income; minimum $60,000 to spouse; 5% of calculated death benefits to each dependent child; if no spouse or dependant, estate receives up to $13,333

Impairment benefits:

Up to $195,257/person for noncatastrophic injury, up to $238,479 for catastrophic injury

Up to $13,333/person for noncatastrophic, up to $173,333 for catastrophic injury

Right to sue for pain and suffering?

Yes

Yes, subject to deductible of $5,000

Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Government (government and private insurers compete for optional and additional coverage) Source: SGI Canada Personal Injury Coverage, https://www.sgi.sk.ca/individuals/registration/personalautoinjury/index.html; Your Guide to No Fault Coverage, 2017, https://www.sgi.sk.ca/pdf/guide_nofault_2017.pdf; Your Guide to Tort Coverage, 2017, https://www.sgi.sk.ca/pdf/guide_tort_2017.pdf; SGI Auto Pak: Policy booklet, 2017, http://www.sgicanada.ca/sk/pdf/booklets/2016_auto_pak.pdf

Manitoba as of March 1, 2017

Mandatory minimum third-party liability:

$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $20,000

Direct Compensation Property Damage Required?

Medical payments:

No time or amount limit

Funeral expense benefits:

$8,409 (maximum)

Disability income benefits:

90% of net wages based on gross annual income of maximum $94,500/year; nothing is payable for the first seven days of disability

Death benefits:

Death any time after injury; benefits for partners depend on wage and age of deceased and range from $61,706 to $472,500; benefits for dependent children depend on their age and range from $29,309 to $53,993; disabled dependants receive an additional $26,995; non-dependent children or parents receive $13,741

Impairment benefits:

Minimum $770/week to maximum $154,261 for non-catastrophic injury; maximum $243,580 for catastrophic injury

Right to sue for pain and suffering?

Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Government

Provincial Auto Insurance

Saskatchewan as of January 1, 2017

Mandatory minimum third-party liability:

Source: Guide to Autopac, http://www.mpi.mb.ca/en/PDFs/PolicyGuide2017.pdf; Basic Personal Injury Protection Plan (PIPP) Benefits, https://www.mpi.mb.ca/en/Claims/BI/Pages/benefits.aspx; Services and Support Guide for Fatality Claims, https://www.mpi.mb.ca/en/PDFs/SupportGuideFatalityClaims.pdf

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COMPULSORY AUTO INSURANCE COVERAGE IN CANADA

Ontario as of January 1, 2017

Provincial Auto Insurance

Mandatory minimum third-party liability:

$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000

Direct Compensation Property Damage Required?

Yes

Medical payments:

Up to $3,500 for minor injury; up to $65,000/person for non-minor and noncatastrophic injury for up to 5 years; up to $1 million for catastrophic injury

Funeral expense benefits:

$6,000 (if optional indexation coverage is purchased, this amount may be higher)

Disability income benefits:

Income Replacement Benefit: 70% of gross wages to maximum $400/week, minimum $185/week for 104 weeks (longer if victim is unable to pursue any suitable occupation); nothing is payable for the first seven days of disability Non-earner Benefit (disabled unemployed persons, students enrolled in education full time, or students who completed their education less than one year before the accident and are not employed): $185/week for 104 weeks; 4-week wait; limit two years. Not available if the insured is eligible for, and elects to receive, the income replacement or caregiver benefit

Death benefits:

Death within 180 days of accident (or three years if continuously disabled prior to death); $25,000 minimum to spouse, $10,000 to each surviving dependant, $10,000 to each parent/guardian (if optional indexation coverage is purchased, these amounts may be higher)

Impairment benefits:

N/A

Right to sue for pain and suffering?

Yes, if injury meets severity test (called â€œthresholdâ€?), and subject to deductible. Lawsuit allowed only if injured person dies or sustains permanent and serious disfigurement and/or impairment of important physical, mental or psychological function. The court assesses damages and deducts $37,905 ($18,693 for a Family Law Act claim)

Right to sue for economic loss in excess of no-fault benefits?

Yes. Income replacement award above no-fault benefit is based on net income after deductions for income tax, Canada Pension and Employment Insurance. Injured person may sue for 70% of net income loss before trial, 100% of gross after trial; also for medical, rehabilitation and related costs when injury meets severity test for pain and suffering claims

Administration:

Private insurers Source: Ontario Automobile Policy, www.fsco.gov.on.ca/en/auto/forms/Documents/OAP-1-Application-and-Endorsement-Forms/1215E.1.pdf; Statutory Accident Benefits Schedule (SABS), Insurance Act, O. Reg. 34/10, www.e-laws.gov.on.ca/html/regs/english/elaws_regs_100034_e.htm; Financial Services Commission of Ontario: Auto Bulletins, www.fsco.gov.on.ca/en/auto/autobulletins/Pages/default.aspx

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COMPULSORY AUTO INSURANCE COVERAGE IN CANADA

Mandatory minimum third-party liability:

$50,000 is available for any one accident; liability limits relate to property damage claims within Quebec and to personal injury and property damage claims outside Quebec

Direct Compensation Property Damage Required?

Yes

Public Insurance Medical payments:

No time or amount limit

Funeral expense benefits:

$5,178

Disability income benefits:

90% of net wages based on gross annual income of maximum $72,500/year; nothing is payable for the first seven days of disability; indexed

Death benefits:

Death any time after accident; benefits depend on gross annual income multiplied by a factor between one and five, depending on age of the victim; benefits for spouse range from $69,102 to $362,500; benefits for dependent child depend on their age and range from $32,822 to $60,466; if there is no surviving spouse/dependant, parents or estate receive $55,386

Impairment benefits:

Up to $242,311

Right to sue for pain and suffering?

Right to sue for economic loss in excess of no-fault benefits?

Administration:

Bodily injury: government

Property damage: private insurers

Source: Automobile Accident Insurance Benefits Regulations, www.qp.alberta.ca/1266.cfm?page=Quebec Auto Insurance Policy Form Q.P.F. No.1, March 1, 2014, www.lautorite.qc.ca/files/pdf/formulaires-professionnels/assureur/automobile/qpf_1.pdf; The Insurance Policy for All Quebecers: Accident Victim, www.saaq.gouv.qc.ca/en/accident_victim/insurance_policy/index.php; Calculation of Death Benefits, 2017, www.saaq.gouv.qc.ca/en/accident_victim/insurance_policy/death_table.php

New Brunswick as of January 1, 2017

Mandatory minimum third-party liability:

$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $20,000

Direct Compensation Property Damage Required?

Yes

Medical payments:

Up to $50,000/person; four-year time limit

Funeral expense benefits:

$2,500

Disability income benefits:

Maximum $250/week; 104 weeks for partial disability, lifetime for total disability; must be disabled for at least seven days to qualify; unpaid housekeeper $100/week, maximum 52 weeks

Death benefits:

Death within 180 days (or two years if continuously disabled prior to death); death of head of household $50,000, plus $1,000 to each dependent survivor after first; death of spouse/partner $25,000; death of dependant $5,000

Impairment benefits:

N/A

Right to sue for pain and suffering?

Yes. If injury is deemed “minor” under provincial legislation, maximum award is $7,818.87

Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Private insurers

Provincial Auto Insurance

Quebec as of January 1, 2017

Private Insurance

Source: New Brunswick Standard Owner’s Policy N.B.P.F. No.1, http://0101.nccdn.net/1_5/1c2/1a0/1a9/StandardOwnersPolicy.pdf (Effective October 1, 2010); Injury Regulation, NB Reg 2003-20, www.canlii.org/en/nb/laws/regu/nb-reg-2003-20/106597/nb-reg-2003-20.html; Financial and Consumer Services Commission. Notice Re: Annual Indexation PDF, http://0104.nccdn.net/1_5/156/05b/0a6/January-2017-Annual-Indexation-Notice.pdf; Financial and Consumer Services Commission: Automobile Insurance, http://fcnb.ca/automobile-insurance.html

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COMPULSORY AUTO INSURANCE COVERAGE IN CANADA

Nova Scotia as of January 1, 2017

Mandatory minimum third-party liability:

$500,000 is available for any one accident

Direct Compensation Property Damage Required?

Yes

Medical payments:

Up to $50,000/person; four-year time limit (Consumers have option to purchase additional coverage)

Funeral expense benefits:

$2,500

Disability income benefits:

Maximum $250/week; 104 weeks for partial disability; lifetime for total disability; must be disabled for at least seven days to qualify; unpaid housekeeper $100/week, maximum 52 weeks

Death benefits:

Death within 180 days after accident (or two years if continuously disabled prior to death); death of head of household $25,000, plus $1,000 to each dependent survivor after first; death of spouse/partner $25,000; death of dependant $5,000

Impairment benefits:

N/A

Right to sue for pain and suffering?

Yes. If injury is deemed “minor” under provincial legislation, maximum award is $8,486

Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Private insurers Source: Nova Scotia Standard Automobile Policy NSPF No.1, 2013, www.novascotia.ca/finance/site-finance/media/finance/SPF1-64103-01_2013.pdf; Automobile Insurance Contract Mandatory Conditions Regulations, www.novascotia.ca/just/regulations/regs/imandcon.htm; Office of the Superintendent of InsuranceBulletin: Minor Injury Cap, http://www.novascotia.ca/finance/site-finance/media/finance/Cap_Bulletin-Jan_2017.pdf

Prince Edward Island as of January 1, 2017

Provincial Auto Insurance

Mandatory minimum third-party liability:

$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000

Direct Compensation Property Damage Required?

Yes

Medical payments:

Up to $50,000/person; four-year time limit

Funeral expense benefits:

$2,500

Disability income benefits:

Maximum $250/week; 104 weeks for partial disability; lifetime for total disability; must be disabled for at least seven days to qualify; unpaid housekeeper $100/week, maximum 52 weeks

Death benefits:

Death within 180 days after accident (or two years if continuously disabled prior to death); death of head of household $50,000, plus $1,000 to each dependent survivor after first; death of spouse of head of household $25,000; death of dependant $5,000

Impairment benefits:

N/A

Right to sue for pain and suffering?

Yes. If injury is deemed “minor” under provincial regulation, maximum award is $7,545

Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Private insurers Source: Insurance Act, RSPEI 1988, c I-4, www.gov.pe.ca/law/statutes/pdf/i-04.pdf; Prince Edward Island Standard Automobile Policy S.P.F. No.1, for accidents occurring on or after October 1, 2014, www.gov.pe.ca/photos/original/ELJ_SampleAuto.pdf; Prince Edward Island Standard Automobile Policy S.P.F. No.1, for accidents occurring on or after October 1, 2015, www.gov.pe.ca/photos/original/JPS_SampleAuto.pdf; Bill 46, An Act to Amend the Insurance Act (No. 2) (Chapter 36), www.assembly.pe.ca/bills/onebill.php?session=4&generalassembly=64&number=46; Office of Superintendent of Insurance Bulletin: Automobile Insurance Minor Injury Cap - Indexation, http://www.gov.pe.ca/photos/original/MinInjCap2017.pdf; October 1, 2015, Automobile Insurance Reforms, www.gov.pe.ca/photos/original/JPS_InsReform.pdf

CI A A /A CEI CL A IM S M A NUA L 2017

COMPULSORY AUTO INSURANCE COVERAGE IN CANADA

$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $20,000

Direct Compensation Property Damage Required?

Medical payments:

(Optional to buy) Up to $25,000/person; four-year time limit

Funeral expense benefits:

(Optional to buy) $1,000

Disability income benefits:

(Optional to buy) Maximum $140/week; 104 weeks for partial disability; lifetime for total disability; must be disabled for at least seven days to qualify; unpaid housekeeper $70/week, maximum 12 weeks

Death benefits:

(Optional to buy) Death within 180 days (or two years if continuously disabled prior to death); death of head of household $10,000, plus $1,000 to each dependent survivor after first; death of spouse $10,000; death of dependant $2,000

Impairment benefits:

N/A

Right to sue for pain and suffering?

Yes. Awards are subject to deductible of $2,500

Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Private insurers Source: Insurance Act, RSPEI 1988, c I-4, www.goAutomobile Insurance Act, Chapter A-22, an Act Respecting Automobile Insurance, http://assembly.nl.ca/Legislation/sr/statutes/a22.htm; Newfoundland & Labrador Standard Automobile Policy S.P.F. No.1 (not available online)

Yukon as of January 1, 2017

Mandatory minimum third-party liability:

$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000

Direct Compensation Property Damage Required?

Medical payments:

Up to $10,000/person; two-year time limit

Funeral expense benefits:

$2,000

Disability income benefits:

80% gross wages to maximum $300/week; 104 weeks for temporary or total disability; nothing is payable for the first seven days of disability; unpaid housekeeper $100/week, maximum 26 weeks

Death benefits:

Death any time after accident; death of head of household $10,000, plus $2,000 to each dependent survivor other than the first, and 1% of total principal sum to each dependant/survivor after first, for 104 weeks; death of spouse of head of household $10,000; death of dependent relative, according to age, maximum $3,000

Impairment benefits:

N/A

Right to sue for pain and suffering?

Yes

Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Private insurers

Provincial Auto Insurance

Newfoundland and Labrador as of January 1, 2017

Mandatory minimum third-party liability:

Source: Insurance Act, O.I.C. 1988/090, www.gov.yk.ca/legislation/regs/oic1988_090.pdf; Yukon Territories Standard Automobile Policy S.P.F. No.1 (not available online)

CI A A /A CEI CL A IM S M A NUA L 2017

COMPULSORY AUTO INSURANCE COVERAGE IN CANADA

North West Territories and Nunavut as of January 1, 2017

Provincial Auto Insurance

Mandatory minimum third-party liability:

$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000

Direct Compensation Property Damage Required?

Medical payments:

Up to $25,000/person; four-year time limit

Funeral expense benefits:

$2,000

Disability income benefits:

80% of gross weekly wages to maximum $140/week; 104 weeks for temporary disability; lifetime for total disability; nothing is payable for the first seven days of disability; unpaid housekeeper $100/week, maximum 12 weeks

Death benefits:

Death within 180 days after accident (or two years if continuously disabled prior to death); death of head of household $10,000, plus $1,500 to single survivor or $2,500 to each survivor after first if more than one; death of spouse of head of household $10,000; death of dependant $2,000

Impairment benefits:

N/A

Right to sue for pain and suffering?

Yes

Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Private insurers

Source: Northwest Territories Insurance Act, R.S.N.W.T. 1988, c.I-4, https://www.justice.gov.nt.ca/en/files/legislation/insurance/insurance.a.pdf?t1455034045286; Northwest Territories Standard Automobile Policy S.P.F. No.1 (not available online) Nunavut Insurance Act, R.S.N.W.T.1988, c.I-4, http://www.gov.nu.ca/sites/default/files/gnjustice2/justicedocuments/Consolidated%20Law/Current/634975585772928750-1316283194-consRSNWT1988cI-4.pdf; Nunavut Territories Standard Automobile Policy S.P.F. No.1 (not available online)

CI A A /A CEI CL A IM S M A NUA L 2017

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Weekly Benefits

ONTARIO ACCIDENT BENEFITS

Income Replacement

Non Earner Benefits

Caregiver Benefits

Who Qualifies?

• Employed on date of loss • Unemployed on date of loss but employed 26 of 52 weeks preceding the MVA or in receipt of EI at the time of MVA and at least 16 years old.

• Does not qualify for IRB • Enrolled as a full time student, or completed education less than 1 year before MVA and not employed in job that reflects education or training.

• Must be primary caregiver to a person and living with the person in need of care. • Ineligible if caregiver was paid for services prior to MVA. • Not eligible if person has elected to receive a Non-Earner or Income Replacement Benefit. • Applies to people 16 years of age or under or other dependents requiring care.

Disability Test

• Must suffer an impairment as a direct result of an accident •If employed, must suffer substantial inability to perform essential tasks of that employment. • If not employed, must suffer substantial inability to perform the tasks of employment spent the most time in during 26 weeks prior to MVA.

• Must suffer an impairment as a direct result of an accident. • Must suffer a complete inability to carry on a normal life as a result of impairment.

• Must have sustained a Catastrophic impairment • Must suffer a substantial inability to engage in the caregiving activities in which he or she engaged at the time of the accident.

Amount Payable

• 70% of gross weekly income, less collateral benefits or post accident income. Max $400/wk • Optional Benefits available. • No deduction for EI or sick leave & WSIB benefits not being received but available.

• $185 per week, less collateral source benefits/income received or available. • No Optional Benefits available. • No deduction for EI or sick leave & WSIB benefits not being received but available.

• Payment limited to reasonable and necessary expenses incurred to care for the person in need of care. • Services must be provided by a person who did so as a part of their regular employment, occupation or profession in which he/she would ordinarily have been engaged, but for the accident, or has incurred an economic loss as a result of providing the service. • Optional Benefits available which would pay a Caregiver Benefit even if impairment is not catastrophic. • $250/wk for first person requiring care, plus $50/ wk for each additional person.

Period of Benefit

• One week waiting period. • Up to 104 weeks unless suffering complete inability to engage in any employment.

• 4 week waiting period. • Not paid before age 18. • Continues while person suffers a complete inability to carry on normal life. • Payable up to 104 weeks only.

• No waiting period • Up to 104 weeks.

Period of Benefit Post 104 Weeks

• If still receiving IRB after 104 weeks must suffer complete inability to engage in any employment. • Payable up to 65. • If entitlement arises after 65, amount of benefit reduces over 4 years.

• Not available

• After 104 weeks must suffer a complete inability to carry on a normal life.

Optional Benefits

• $600, $800, or $1000/wk.

• No optional Benefits.

• Optional Caregiver and Housekeeping / Home Maintenance Benefit (must be purchased as a package) provides coverage for non-Catastrophic injuries to a max of $250/wk plus $50.00 per week for each additional dependent.

CI A A /A CEI CL A IM S M A NUA L 2017

ONTARIO ACCIDENT BENEFITS

Rehabilitation

Attendant Care

Other Benefits

•An insured person who suffers an impairment as a direct result of the MVA.

• An insured person who suffers an impairment as a direct result of the MVA.

Coverage Test

• Expenses either incurred by or on behalf of the insured that are reasonable and necessary.

• Expenses that are reasonable and necessary to reduce or eliminate the effects of the impairment Or • To facilitate the insured person’s reintegration into family, society and labour market.

• Expenses incurred by or on behalf of the insured for: (a) the services of an aid or attendant; (b) the services of a long term care facility. • Services must be provided by a person who did so as part of their regular employment, occupation or profession in which he/she would ordinarily have been engaged, but for the accident, or has incurred an economic loss as a result of providing the service.

Also available: •Death & Funeral •Lost Educational Expenses • Expense of Visitors • Housekeeping and Home Maintenance • Clothing, Glasses, Hearing aids.

Coverage Limits

If injury is predominately a minor injury a $3500.00 limit applies which includes costs of assessments. • Aggregate limits, apply to combined Med/Rehab/ATC $65,000 for non-catastrophic injuries. • If injuries meet definition of Catastrophic, limits increase to $1,000,000. • Optional Benefits available.

• Aggregate limits, apply to combined Med/Rehab/ATC $65,000 for non-catastrophic losses. • If injuries meet definition of Catastrophic, limits increase to $1,000,000. • Optional Benefits available.

• No benefit payable if injury is a Minor Injury. • Non-Catastrophic: up to $3000.00 per month, subject to aggregate limit combined Med/ Rehab/ATC $65,000. • Cat: $6,000 per month, $1,000,000 per incident. • Optional Benefits available.

• Funeral: $6,000 • Death: $25,000 for spouse. • $10,000 to former spouse if support obligation exists. • $10,000 per dependant. • Optional Benefits Available • Lost Educational Expenses $15,000 max. •Housekeeping Max $100 per week for additional expenses only if injuries are catastrophic unless optional benefits have been purchased.

Period Payable

• No expense is payable for more than 260 weeks after the MVA for someone 18 yrs and older. • If under 18 yrs at time of MVA, no expense is payable after the 18th birthday. • Payable over lifetime for Catastrophic injuries.

• No expense is payable for more than 260 weeks after the MVA for someone 18 yrs and older. • If 18 yrs and older at time of MVA, no expense is payable after the 18th birthday. • Payable over lifetime for Catastrophic injuries.

• Max 104 wks, unless Catastrophic. • Catastrophic Injury, payable over lifetime.

•Housekeeping payable as long as the person suffers a substantial inability to perform the essential tasks of their housekeeping/ home maintenance duties and has sustained a catastrophic impairment.

Minor Injury Guideline (MIG) and Treatment Plans (OCF-18)

• Minor Injury is defined as a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration, or subluxation and any clinically associated sequelae. • Person falls within this guideline if injury is predominately minor. • Guideline does not apply if compelling evidence provided to support a pre-existing condition that would prevent maximal recovery. • Proposed Treatment is submitted on an OCF-23 – Treatment Confirmation Form and an OCF-24 – Discharge Report is submitted upon completion of Treatment within the MIG.

• Services of a Medical Nature under $250.00 may be paid without submission of a Treatment and Assessment Plan (OCF-18) if it is essential for the treatment or rehab. • All other expenses must be submitted on a Treatment and Assessment Plan. • Within 10 business days of receipt of the plan, the insurer must provide a response outlining the goods and services it will pay and the medical and other reasons for goods and services it will not pay.

• Calculation of Entitlement is based on submission of a Form 1 – Assessment of Attendant Care Needs • Within 10 business days of receipt of the Form 1, the insurer must provide a response outlining the services it will pay and the medical and other reasons for services it will not pay.

• A Treatment and Assessment Plan (OCF-18) must be submitted prior to an Assessment expense being incurred. • Within 10 business days of receipt of the plan, the insurer must provide a response outlining the goods and services it will pay and the medical and other reasons for goods and services it will not pay

Optional Benefits

• Combined Med/Rehab/ATC $130,000 Non Cat • Med/Rehab/ATC $1,000,000 Non Cat • Catastrophic Med/Rehab/ATC - $2,000,000 to $3,000,000 can be purchased

• Optional Caregiver and Housekeeping / Home Maintenance Benefit (must be purchased as a package) provides coverage for non-Catastrophic injuries to a max of $100/wk for Housekeeping and $250/wk for Caregiving provided the expenses have been incurred as defined. • Optional death of $50,000 for a spouse or $20,000 or $50,000 for a dependent • Optional dependent care • Optional indexation benefit

Medical, Rehabilitation, Attendant Care

Medical Who Qualifies?

Updates provided by Kelly Stevens of Crawford & Company (Canada) Inc. – March 2017

CI A A /A CEI CL A IM S M A NUA L 2017

Bodily Injury

DISABILITY TABLES

Duration of Disability for Common Injuries Head injury Head Injury, Superficial Concussion Epidural hematoma Actinomycosis Postconcussion syndrome Lacerations Open wound, Back or Chest Open wound, hand or finger (no complication) Open wound, foot (plantar) Open wound, finger (complication / tendon involvement) Hand (with infection) Foot (dorsal) Minor laceration, hand or foot Minor laceration, other Sprains and Strains Abdominal muscle Ankle (1st or 2nd degree) Ankle (3rd degree) Ankle (Achilles tendon rupture) Biceps Tendon Cervical Spine (Neck) Elbow Foot (1st or 2nd degree) Foot (3rd degree) Groin Carpometacarpal (Hand) Interphalangeal (finger) Interphalangeal (thumb) Metacarpophalangeal (finger or thumb) Knee Surgery (ACL) Lumbar or Lumbrosacral Spine Rotator Cuff Surgery (rotator cuff) Shoulder Surgery (debridement) Surgery (arthroscopic) Back (Thoracic, Lumbar or Lumbosacral Spine) Wrist (1st or 2nd degree) Wrist (3rd degree) Fractures Ankle (single malleolus, closed) Ankle (single malleolus or bimalleolar, open) Ankle (bimalleolar, closed) Ankle (pilon or trimalleolar) Ankle Surgery (Achilles tendon rupture) Ankle (Talus, avulsion) Ankle (Talus, body fracture) Ankle (Talus, body fracture, displaced) Ankle (Talus, Talar dome) Ankle (Talus, osteochondral) Ankle (Talus, neck fracture, vertical) Ankle / Lower Leg (Tibia) Ankle / Lower Leg (Fibula)

CI A A /A CEI CL A IM S M A NUA L 2017

Duration of Disability (Days) Minimum

Maximum

0 1 28 0 1

14 21 Indefinite 35 Indefinite

0 1 1 3 3 1 1 1

28 14 42 91 84 28 28 2

0 0 1 1 1 1 1 1 1 0 1 1 1 1 1 3 1 7 7 1 1 7 1 1 1

28 28 84 112 91 70 70 42 91 84 56 70 42 84 70 140 91 91 140 56 56 140 91 70 91

1 7 7 7 1 1 7 14 1 7 14 14 1

112 140 168 Indefinite 180 112 168 224 112 140 224 182 140

DISABILITY TABLES

Fractures (continued) Cervical Spine (With Spinal Cord Injury) Cervical Spine (Without Spinal Cord Injury) Chest (Sternum, Closed) Clavicle Elbow (Humerus, Distal) Femur Foot (cuboid or cuneiform) Foot (navicular, stress fracture) Foot (navicular, minor) Foot Surgery (navicular) Foot (Proximal 5th Metatarsal) Foot (Stress fracture, 2nd or 3rd Metatarsal) Foot (1st Metatarsal) Foot (Distal Metatarsal, 2nd, 3rd, 4th or 5th) Foot ( Metatarsal Bone) Foot (Toes / Phalanges) Foot (Sesamoid bones) Elbow / Forearm (Proximal Radius, type I or II) Elbow / Forearm (Proximal Radius, type III or IV) Hand (Metacarpal Bone, closed) Hand (Metacarpal Bone, open) Hand / Finger (Carpal Bones) Hand (Fingers / Phalanges) Head (Nose) Head (Orbit) Heel (Calcaneus, intra-articular) Heel (Calcaneus, other) Hip (Femoral Neck) Jaw (Upper / Maxilla) Jaw (Lower / Mandible) Knee (Patella) Lumbosacral Spine (With Spinal Cord Injury) Lumbosacral Spine (Without Spinal Cord Injury) Lumbosacral Spine Surgery (Without Spinal Cord Injury) Pelvis (acetabulum) Pelvis (other) Ribs (1-2) Shoulder (Shoulder blade / Scapula) Shoulder / Upper arm (Proximal Humerus, open reduction) Shoulder / Upper arm (Proximal Humerus, closed reduction) Shoulder / Upper arm (Proximal Humerus, other) Skull (Closed, no brain injury) Spine (Sacrum) Spine (Thoracic, With Spinal Cord Injury) Spine (Thoracic, Without Spinal Cord Injury) Spine Surgery (Thoracic, Without Spinal Cord Injury) Wrist (Ulna) Wrist (Radius)

Duration of Disability (Days) Minimum

Maximum

119 3 7 7 7 14 1 1 7 7 1 1 1 7 1 1 1 7 7 1 7 3 1 1 3 14 1 21 1 1 7 119 7 21 21 14 3 3 7 7 5 3 7 119 7 21 3 3

Indefinite 182 126 140 154 182 112 90 70 182 63 63 140 112 112 63 42 112 273 90 112 182 105 14 90 Indefinite 168 182 84 91 140 Indefinite 168 Indefinite 182 168 70 90 Indefinite 182 140 91 126 Indefinite 182 Indefinite 168 182

Bodily Injury

Duration of Disability for Common Injuries

Information provided by Victoria Hanson, National Account Executive with Crawford & Company (Canada) Inc. Some disabilities may be permanent. Disability duration may be influenced by severity, physical demands of the individualâ€™s work, and other factors. Source: MDGuidelines. Based on: The Medical Disability Advisor: Workplace for Guidelines for Disability Duration. 6th ed. Westminster (CO): Reed Group; 2009. Crawford assumes no liability for data contained or not contained herein.

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