‘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.
CTVNews.ca Top Stories
Military under fire as thousands of troops face lost cost-of-living allowance
The Canadian Armed Forces is under fire for its plan to cut thousands of troops off a cost-of-living allowance without much notice.
Twitter: Parts of source code leaked online
Some parts of Twitter's source code -- the fundamental computer code on which the social network runs -- were leaked online, the social media company said in a legal filing on Sunday.
U.K. report: Black kids 6 times likelier to be strip-searched by police
Black children in England and Wales were six times more likely to be strip-searched by police, according to a report being released Monday that found children were failed by those sworn to protect them.
Burial plots in Metro Vancouver are now so expensive, they’re being compared to real estate
Burial plots have become such a hot commodity in Metro Vancouver, one spot in a Burnaby cemetery is being sold privately online for $54,000.
Court hearing for Prince Harry and Elton John's privacy case against U.K. publisher
The first hearing in a lawsuit brought by Prince Harry, singer Elton John and other high profile figures against the publisher of the Daily Mail newspaper over alleged phone-tapping and other breaches of privacy, is due to begin on Monday.
All 7 Pennsylvania chocolate factory explosion victims found
All seven bodies have been recovered from the site of a powerful explosion at a chocolate factory in a small town in eastern Pennsylvania, officials said.
Singh 'not satisfied' with confidence-and-supply agreement
NDP Leader Jagmeet Singh says he's 'not satisfied' with his party's confidence-and-supply agreement with the Liberals — signed a year ago this week — because it's shown him he could do a better job running the country than the current government.
North Korea test-fires 2 more missiles as tensions rise
North Korea fired two short-range ballistic missiles into its eastern waters Monday, continuing its weapons displays as the United States moved an aircraft carrier strike group to neighbouring waters for military exercises with the South.
Is the David porn? Come see, Italians tell Florida parents
The Florence museum housing Michelangelo's Renaissance masterpiece the 'David' invited parents and students from a Florida charter school to visit after complaints about a lesson featuring the statue forced the principal to resign.
Regina
-
Fifth flight of displaced Ukrainians set to touch down in Regina
A fifth and final flight of displaced Ukrainians will arrive in Saskatchewan on March 27, according to the province.
-
Sask. village loses arena in late night 'inferno'
The Village of Liberty is grieving the loss of its rink after it fell victim to a late night 'inferno' over the weekend.
-
'Be prepared to slow down': Construction on Highway 6 bridge in Regina set to begin
Construction efforts are expected to begin on the south section of Regina's Ring Road.
Saskatoon
-
Saskatoon Blades face Pats in opening round of WHL playoffs
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.
-
Change proposed to high-collision Saskatoon intersection
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.
-
Sask. village loses arena in late night 'inferno'
The Village of Liberty is grieving the loss of its rink after it fell victim to a late night 'inferno' over the weekend.
Northern Ontario
-
Has inflation increased your debt?
Inflation is now forcing some Canadians to find different ways to afford day-to-day expenses.
-
Military under fire as thousands of troops face lost cost-of-living allowance
The Canadian Armed Forces is under fire for its plan to cut thousands of troops off a cost-of-living allowance without much notice.
-
Hwy. 17 partially closed north of the Sault due to a commercial motor vehicle crash
A crash involving a commercial vehicle north of the Sault has completely closed Highway 17 from Highway 101 East in Wawa, Ont. to Frater Road before noon Sunday, the eastbound lane reopened around 7p.m.
Edmonton
-
Ahead of Edmonton officers' funeral, families thank Canadians for 'incredible outpouring of support'
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 say.
-
What you need to know about the regimental funeral Monday
The procession is scheduled to leave the Alberta Legislature grounds toward Rogers Place at approximately 11:45 a.m.
-
Edmonton breast cancer survivors turned dragon boat racers headed to New Zealand
A team of friends and breast cancer survivors are headed to New Zealand in April to represent Edmonton in an international dragon boat racing competition.
Toronto
-
Teen dead after 'unprovoked' stabbing at Toronto subway station
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.
-
Ontario woman's lost wedding dress found by thrift store volunteer after 'long shot' search
After making a 'long shot' plea to the public this weekend, a woman in southern Ontario has found her lost wedding dress, mistakenly donated by her father earlier this year.
-
Nearly 40 TTC routes changed today. Here’s what you need to know:
TTC riders may have to wait a bit longer for a bus, streetcar or subway starting Sunday.
Calgary
-
KLM flight en route to Calgary following detour back to Amsterdam due to unruly passenger
A KLM flight bound for Calgary was delayed Sunday morning when an unruly passenger forced the airline to return to Schiphol Airport in Amsterdam.
-
Ahead of Edmonton officers' funeral, families thank Canadians for 'incredible outpouring of support'
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 say.
-
Two-time organ recipient designs Green Shirt Day logo years after Humboldt bus crash
April 7 is Green Shirt Day, which also marks the anniversary of Logan Boulet's death. Boulet, who was involved in the Humboldt Broncos bus crash five years ago, signed up to be an organ donor just weeks before the crash. Today, Green Shirt Day is meant to promote organ donor awareness and registration across Canada.
Montreal
-
Nine-year-old girl succumbs to injuries after snow fort accident
A nine-year-old girl has died after a snow fort collapsed Sunday in the woods behind a Saint-Ubalde home, in the Portneuf RCM.
-
Montreal police confirm fifth body found in rubble of historic building fire
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.
-
Laval community calls on city to pick up garbage piling up on property
Jun Yao Wang and her mother, Qing Jie Li, say they are at their wit's end. The edge of their property on Chemin des Cageux near du Tremblay Street in Laval has become a dumping ground.
Ottawa
-
One person dead after fire in Hull apartment that lacked working smoke alarms
Gatineau firefighters are reminding residents about the importance of smoke detectors after a fatal fire in the Hull sector early Sunday morning.
-
Here's a look at eight things that will cost more in Ottawa starting April 1
CTVNewsOttawa.ca looks at eight things that will cost you more in Ottawa starting April 1.
-
Talks continue ahead of strike deadline for education workers at Carleton University
The union representing contract instructors and graduate and undergraduate teaching assistants is threatening to go on strike Monday if a deal is not reached with Carleton University.
Atlantic
-
Messy mix of snow, ice pellets and rain Sunday into Monday
A low-pressure system moving up the coastline of Maine will cross Nova Scotia Sunday into early Monday morning, bringing a mix of snow, ice pellets and rain.
-
RCMP cancel emergency alert for woman with handgun in Indian Brook, N.S.
An emergency alert involving “a dangerous female with a handgun” in Indian Brook, N.S., has been cancelled, police say.
-
HMCS Montreal departs Halifax for Indo-Pacific operation
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.
Kitchener
-
Man charged with attempted murder in Cambridge
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.
-
'I’ve really had to adjust': How one small Waterloo region business is fighting inflation and fear of a recession
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.
-
Top snowmobilers compete in Kitchener
Winter may be over, but there was still snow on the ground for hundreds of highflying snowmobilers at Chicopee Ski Resort this weekend.
Vancouver
-
Burial plots in Metro Vancouver are now so expensive, they’re being compared to real estate
Burial plots have become such a hot commodity in Metro Vancouver, one spot in a Burnaby cemetery is being sold privately online for $54,000.
-
Nanny who was fired after cancer diagnosis awarded $45K in B.C. discrimination case
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.
-
Downtown Eastside crash sends 3 pedestrians to hospital
Three people were hospitalized after being hit by a car in Vancouver's Downtown Eastside Saturday evening, according to authorities.
Vancouver Island
-
Vancouver Island farmers struggle to deal with threatened elk species
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.
-
Victoria police say repeat offender wanted again
Victoria police are once again looking for William Watts, who they describe as "a high risk to reoffend."
-
Lack of staff leads to more BC Ferries cancellations
BC Ferries cancelled several sailings because of a lack of crew Saturday, including two trips between Greater Victoria and the Lower Mainland.