‘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
Deceased found in St. Lawrence River were trying to cross U.S. border: police
The six people whose bodies were recovered from the St. Lawrence River Thursday consisted of two families of Romanian and Indian origins who were likely trying to enter the U.S. illegally, police said Friday.
Ottawa gives final approval for Rogers $26B purchase of Shaw
Rogers Communications Inc's $26-billion takeover of Shaw Communications Inc. cleared the last regulatory hurdle Friday, more than two years after the deal was first announced.
Donald Trump indicted; 1st ex-president charged with crime
Donald Trump has been indicted by a Manhattan grand jury, prosecutors and defense lawyers said Thursday, making him the first former U.S. president to face a criminal charge and jolting his bid to retake the White House next year.
These are the conditions -- and penalties if violated -- of the Rogers-Shaw deal
Canadian Industry Minister François-Philippe Champagne has approved Rogers Communications Inc.'s $20-billion takeover of rival telecom Shaw Communications Inc., but there are conditions attached and penalties of up to $1 billion if the companies violate them.
Syphilis cases in babies skyrocket in Canada amid health-care failures
The numbers of babies born with syphilis in Canada are rising at a far faster rate than recorded in the United States or Europe, an increase public health experts said is driven by increased methamphetamine use and lack of access to the public health system for Indigenous people.
BREAKING
BREAKING | Oscar Pistorius denied parole as Reeva Steenkamp's parents oppose his early release
Disgraced South African Paralympic sprinter Oscar Pistorius has been denied parole, the lawyer for Reeva Steenkamp's parents said after the parole hearing.
House abandoned by couple who 'disappeared' years ago nightmare for neighbour on upscale street
A Toronto man, whose neighbours vanished eight years ago and left their home completely abandoned, said he's fed up living next door to a property that is in complete disarray.
Former Conservative leader Erin O'Toole not seeking re-election, leaving this spring
Former Conservative leader Erin O'Toole says he will not seek re-election and plans to resign his seat this spring. The Ontario MP led the Conservatives and served as official Opposition leader from August 2020 until February 2022, when a majority of his caucus voted to remove him from the post.
Trump's indictment in New York: Here's what to know
The vote of a Manhattan grand jury to indict the Republican former president on charges related to hush money payments made on his behalf during his 2016 presidential campaign catapults the now-candidate Donald Trump into a new era of legal risk and complicates his attempts to return to the White House.
Regina
-
'Embarrassing and hurtful': Sask. woman denied service because of ‘cultural’ facial tattoo
A First Nation woman was denied service at a Prince Albert bar because of her facial tattoo.
-
Charter challenge filed against Sask. government's disability program
The Regina Anti-Poverty Ministry filed a charter challenge against the provincial government for stipulations in its disability program that require seniors to take their Canada Pension Plan (CPP) money out early.
-
'It's bullying': TikTok videos show grim reality of addictions crisis in Regina
Videos posted on the social media app TikTok showing individuals in Regina experiencing mental health crises are bringing into question the stigma still attached to addictions.
Saskatoon
-
Some in Saskatoon 'flat out' refusing delivery of city's new green waste bins
Some Saskatoon residents have been refusing to accept the green carts when they’re delivered by the city, but that won’t save them from a monthly fee.
-
Charter challenge filed against Sask. government's disability program
The Regina Anti-Poverty Ministry filed a charter challenge against the provincial government for stipulations in its disability program that require seniors to take their Canada Pension Plan (CPP) money out early.
-
Sask. government hopes physician assistants will help take pressure off health care system
Legislation to license physician assistants has been introduced by the Government of Saskatchewan.
Northern Ontario
-
6 arrested, 2.7 kilos cocaine seized in massive drug bust in Sudbury, GTA
Ontario's guns and gangs team says with the help of police in Sudbury and Durham, it has disrupted a large drug trafficking operation seizing 2.7 kilograms of cocaine and arresting six.
-
Police find 6 bodies, including 1 child, in St. Lawrence River
The bodies of six people, including one child, were found in the St. Lawrence River Thursday afternoon after an air search involving the Canadian Coast Guard, the Akwesasne Mohawk Police said.
-
Northern Ont. man receives lifetime hunting ban, fined $5,000 for grouse stash
A northern Ontario man has been banned from licenced hunting and fined $5,000 after pleading guilty to having more than six times the legal limit of grouse and obstructing conservation officers.
Edmonton
-
DEVELOPING
DEVELOPING | 'Incident' causing delays for Capital, Metro LRT lines; police on scene near U of A
Edmonton's Capital and Metro LRT lines are experiencing delays because of an "unplanned incident," Edmonton Transit System says.
-
Crash affecting traffic west of Edmonton International Airport
The southbound Highway 2 exit onto westbound Highway 19 is not passable because of a crash, police say.
-
More people with greater needs driving $7B increase to dental-care cost
The federal government now expects far more Canadians with long-overdue dental needs to sign up for its insurance plan, and the health minister says that's why the estimated cost has risen by $7 billion.
Toronto
-
10-year-old boy dead after chain-reaction crash on QEW
A 10-year-old boy is dead following a chain-reaction crash on the QEW. The highway was closed for several hours as police worked to piece together exactly what happened.
-
Toronto city council supports high-speed train to Montreal
Toronto city council says it supports the creation of a high-speed train that would connect the city with Montreal.
-
House abandoned by couple who 'disappeared' years ago nightmare for neighbour on upscale street
A Toronto man, whose neighbours vanished eight years ago and left their home completely abandoned, said he's fed up living next door to a property that is in complete disarray.
Calgary
-
'Into the air': One victim of Calgary house explosion likely in hospital for 6 months
A member of Calgary's South Sudanese community says 10 victims of a home explosion were blown into the air before falling into a fiery basement below.
-
Crash near High River, Alta. closes section of Highway 2A
Emergency crews are on scene at a serious crash on Highway 2A south of Calgary.
-
Police investigation closes Highway 552 northeast of Okotoks, Alta.
RCMP blocked off a highway southeast of Calgary on Thursday night as part of an investigation.
Montreal
-
Deceased found in St. Lawrence River were trying to cross U.S. border: police
The six people whose bodies were recovered from the St. Lawrence River Thursday consisted of two families of Romanian and Indian origins who were likely trying to enter the U.S. illegally, police said Friday.
-
Hydro-Quebec: rates increase on Saturday, capped at 3%
Hydro-Québec annual indexation of its electricity rates will take effect this Saturday, capped at 3 per cent. The Crown corporation says that for residential customers, the monthly impact of the 3 per cent increase would be $2.28 for a five-and-a-half dwelling, $4.27 for a 111-square-metre home, $5.65 for a 158-square-metre home and $6.97 for a 207-square-metre home.
-
Quebec cracks down on Airbnb after deadly fire as some continue to evade rules
The Quebec government's crackdown on Airbnb has upended Montreal's short-term rental market, leading some to welcome the changes and others scurrying to evade the new rules.
Ottawa
-
Deceased found in St. Lawrence River were trying to cross U.S. border: police
The six people whose bodies were recovered from the St. Lawrence River Thursday consisted of two families of Romanian and Indian origins who were likely trying to enter the U.S. illegally, police said Friday.
-
Ontario minimum wage to increase to $16.55 per hour on Oct. 1
Ontario's minimum wage is set to rise to $16.55 an hour on Oct. 1.
-
Fatal fire in Kingston, Ont.
Emergency crews responded to a fire in a home on Montreal Street in Kingston, Ont. at approximately 10:30 p.m. Thursday.
Atlantic
-
'Nova Scotians' sense of safety was rocked': RCMP failures dominate inquiry's final report into 2020 mass shooting
A long list of failures by Nova Scotia RCMP leadership and policing systems dominate the final report into Nova Scotia's April 2020 mass shooting.
-
'No question there need to be changes': PM responds to Nova Scotia mass shooting commission report
Prime Minister Justin Trudeau offered a brief initial response to the final report from the Mass Casualty Commission (MCC) into Canada's worst mass shooting, which claimed the lives of 22 people in Nova Scotia in 2020. Vowing changes will come, here's what Trudeau said in Truro, N.S.
-
Trudeau in Moncton area Friday for three events
Prime Minister Justin Trudeau is in the Greater Moncton area Friday for three separate events.
Kitchener
-
'Thank you for playing': The ace of spades has finally been found in the Hagersville 'Catch the Ace'
After an elusive 45-week draw, the ace of spades has finally been found in the Hagersville ‘Catch the Ace.’
-
Police find 6 bodies, including 1 child, in St. Lawrence River
The bodies of six people, including one child, were found in the St. Lawrence River Thursday afternoon after an air search involving the Canadian Coast Guard, the Akwesasne Mohawk Police said.
-
Man arrested in Guelph, Ont. snow-clearing scam
Guelph police say they have arrested a man in an alleged snow-clearing scam with several victims in the city.
Vancouver
-
1 man dead, 1 seriously injured after motorcycles crash in Surrey suburb
A crash between two people riding motorcycles in Surrey’s Cloverdale neighbourhood turned fatal Thursday night, according to Mounties.
-
Chinatowns in Western Canada evolve and renew, both within and outside tradition
The mix of businesses in Western Canadian Chinatowns is changing as the neighbourhoods face higher crime levels, slower foot traffic and rising inflation.
-
'It's really hard. It's a good hard, though': Unique farm program helping people battle addictions
At Academy Farms in Langley, they raise bison and water buffalo, but this is more than a farm. It's a place that's helping people from across the country find their way out of addiction.
Vancouver Island
-
NEW
NEW | Canadian, U.S. coast guards train for tour vessel disaster off Victoria
A large-scale Canadian Coast Guard exercise was held near Victoria on Thursday, with members training to respond to an emergency aboard a whale-watching vessel.
-
Father of man shot twice in head by RCMP in Duncan speaks out
The father of a Vancouver Island man who was shot twice in the head by police during a dramatic incident in Duncan, B.C., on Tuesday evening is questioning why such lethal action had to be taken by police.
-
'It's ridiculous': Langford mayor defends proposed 12% property tax hike
A proposed 12 per cent property tax increase for Langford residents isn’t sitting well with many.