‘We'd have to strip her down’: Insurance issues concerning mobile home owner in Manitoba
‘We'd have to strip her down’: Insurance issues concerning mobile home owner in Manitoba
A mobile home owner could potentially be out thousands of dollars after learning her home might not be insurable.
Inside of Gloria Prichard’s RM of Norfolk Treherne mobile home, everything has been redone – from sewage, to wiring, to a new roof.
There’s only one thing left for complete her top to bottom renovation, excluding the frame.
"Once the siding is up that's it. There's nothing left to do on the trailer,” Pritchard said.
The 74-year-old returned to the workforce three years ago to pay for renovations for the 49-year-old home. But after a visit to her insurance broker - she learned her home insurance expires when her home turns 50.
"He hasn't even found another agency that would insure. So at this point there is nobody. So what do you do?"
Rob de Pruis, the national director of consumer and industry relations for Insurance Bureau of Canada, says many agencies are hesitant to insure mobile homes once they turn 30.
"Components are at least 30 years old and sometimes more,” de Pruis said. “Because insurance is about risk it could be a bit more difficult to find the right insurance coverage."
de Pruis says it is possible to insure an older mobile home - and documented improvements will help.
The Wawanesa Mutual Insurance Company - a company Pritchard had hoped to insure with, says in a prepared statement they do not insure older mobile homes.
"Older mobile homes have different coverage needs than Wawanesa is set up to provide,” it said. “We recommend that anyone with an older mobile home work with an independent insurance broker, as they are in the best position to help find the right insurance coverage."
Pritchard says if she can't insure it - she will lose her investments if something happens to the home or she moves.
"I would of course live in it as long as I can and then when I'm ready to move or pass on, then we'd have to strip her down,” she said.
Pritchard worries for other mobile home owners, including her neighbours who live in older mobile homes, might be unaware of the insurance issue.
For those who do have an older mobile home - the Insurance Bureau of Canada recommends bringing documents and photographs of home improvements to insurance brokers - and to shop around.
The 2023 federal budget includes a 'grocery rebate' that will be offered to Canadians with lower incomes who may be struggling with the rising cost of food, CTV News has confirmed.
Flying over the Grand Canyon was a highlight for the Gellisen family during their trip to Phoenix, but their flight home to Toronto was a much different experience, with several family members forced off of the flight over tensions related to a teen's wheelchair.
Lettuce prices are likely to rise next month and could stay high into the summer, agriculture experts say, as flooding in a key California farming area becomes the latest example of extreme weather's effect on the food chain.
Police have identified a teenager who died after being stabbed in an ‘unprovoked’ attack at a Toronto subway station Saturday night, and have charged an adult male suspect with his murder.
An organizer with a group advocating for the rights of migrants in Canada is urging the federal government not to penalize potentially hundreds of international students facing possible deportation over fake school admission letters.
In France, a country that taught the world about people power with its revolution of 1789 -- and a country again seething with anger against its leaders -- graduating from bystander to demonstrator is a generations-old rite of passage.
The Saskatoon Blades' last two home games of the season have been against the Regina Pats, and with top NHL prospect Connor Bedard drawing big crowds wherever he's playing, almost 30,000 fans have come through the turnstiles at Sasktel Centre.
City administrators are calling for a design change on Main Street and Clarence Avenue that would prevent vehicles from using Main Street as a thoroughfare rather than 8th Street.
The 2023 federal budget includes a 'grocery rebate' that will be offered to Canadians with lower incomes who may be struggling with the rising cost of food, CTV News has confirmed.
Flying over the Grand Canyon was a highlight for the Gellisen family during their trip to Phoenix, but their flight home to Toronto was a much different experience, with several family members forced off of the flight over tensions related to a teen's wheelchair.
The appreciation and respect shown by the public after two Edmonton Police Service officers were killed in the line of duty has not gone unnoticed, their families said in a statement ahead of the regimental funeral on Monday.
The procession for two Edmonton police officers who were killed in the line of duty is scheduled to leave the Alberta Legislature grounds toward Rogers Place at approximately 11:45 a.m.
Lettuce prices are likely to rise next month and could stay high into the summer, agriculture experts say, as flooding in a key California farming area becomes the latest example of extreme weather's effect on the food chain.
Police have identified a teenager who died after being stabbed in an ‘unprovoked’ attack at a Toronto subway station Saturday night, and have charged an adult male suspect with his murder.
The appreciation and respect shown by the public after two Edmonton Police Service officers were killed in the line of duty has not gone unnoticed, their families said in a statement ahead of the regimental funeral on Monday.
Montreal police say a fifth body has been extracted from the rubble of a heritage building that caught fire nine days ago, leaving two others still missing.
About 3,000 education workers at Carleton University will strike on Monday after the union and the university failed to come to an agreement by the midnight deadline.
NHL Commissioner Gary Bettman will be in Ottawa today, with a schedule that includes meetings with Mayor Mark Sutcliffe and NCC officials, and attending the Senators game against the Florida Panthers.
The Canadian Armed Forces is introducing a new housing benefit to help troops find affordable accommodations. A realtor says the benefit won't help military members in Petawawa, Ont.
A Royal Canadian Navy frigate departed Halifax today as part of the federal government's wider strategy of boosting its presence in the Indo-Pacific region.
As the Prince Edward Island election approaches its final week, the Green Party is fighting to hold onto its historic gains from the last provincial vote -- a battle some experts say could result in lost seats.
A 49-year-old man has been charged with attempted murder and assault with a weapon in connection to injuries suffered by a 50-year-old woman in Cambridge.
Worries of a recession in 2023 got another jolt this weekend with former Bank of Canada governor Stephen Poloz warning the country’s economy is at a greater risk of a “hard landing” – a rapid economic slowdown following a period of growth and approaching a recession. For small businesses, it's a prediction that brings concern.
A temporary foreign worker from the Philippines who was fired from her job as a caregiver after a cancer diagnosis has been awarded over $45,000 by the BC Human Rights Tribunal.
Farmers in the Cowichan Valley are losing crops and dealing with property and field damage caused by Roosevelt Elk, which have become a regular fixture on some farms in the area.
