‘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
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.
BREAKING
BREAKING | 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.
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.
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.
Lack of data on transit violence amounts to 'blanket of ignorance': Researcher
Canada needs standardized data on violence on transit systems to help tackle issues ranging from a lack of mental health supports to eroding public trust, say researchers, citing the recent stabbing death of a 16-year-old boy at a Toronto station as the latest example of random attacks on commuters.
'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.
Gwyneth Paltrow not at fault for ski collision, jury decides
Gwyneth Paltrow won her court battle over a 2016 ski collision at a posh Utah ski resort after a jury decided Thursday that the movie star wasn't at fault for the crash.
Regina
-
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.
-
'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.
-
'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
-
Legal expert weighs in on Sudbury murder trial verdict, next steps
As the dust continues to settle around Wednesday's verdict in the Renee Sweeney murder trial attention is now turning to what's next for the case. CTV News spoke to a legal expert and here is what he had to say.
-
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.
-
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.
Edmonton
-
Lack of data on transit violence amounts to 'blanket of ignorance': Researcher
Canada needs standardized data on violence on transit systems to help tackle issues ranging from a lack of mental health supports to eroding public trust, say researchers, citing the recent stabbing death of a 16-year-old boy at a Toronto station as the latest example of random attacks on commuters.
-
UCP candidate, slammed for comments on pornography in schools, quits
A candidate for the United Conservative Party in southern Alberta has resigned after she posted a video claiming children are being exposed to pornography in schools.
-
Meet the Canadian astronauts up for a seat on the Artemis II mission to the moon
This Sunday, NASA and the Canadian Space Agency (CSA) will announce the four astronauts that will be blasting off to fly around the moon for the Artemis II mission, one of whom will be a Canadian astronaut.
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.
-
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.
-
Ontario parents drive over 5 hours to find baby formula for 8-month-old twins
An Ontario couple has had to drive more than five hours to find baby formula for their eight-month-old twins.
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.
-
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.
-
BREAKING
BREAKING | 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.
Montreal
-
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.
-
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
-
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.
-
Ryan Reynolds in Ottawa as Senators sale heats up
Ryan Reynolds spent the day in Ottawa as he continues his efforts to buy the Senators, meeting with officials from the city of Ottawa and the National Capital Commission and attending the Senators game.
-
NEW THIS MORNING
NEW THIS MORNING | What's happening in Ottawa this weekend: March 31 to April 2
CTVNewsOttawa.ca looks at things to do in Ottawa, eastern Ontario and western Quebec during the first weekend of April.
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.’
-
Freezing rain special weather statement issued for Waterloo Region
A special weather statement was issued Friday morning for much of Southwestern Ontario, including Waterloo region and surrounding areas.
-
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.
Vancouver
-
'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.
-
'It’s ours': Kwikwetlem First Nation on future of Riverview Hospital site
The redevelopment planning process was quietly halted earlier this year, and now the Kwikwetlem First Nation is speaking up about what they’d like to see happen on the land where the Riverview Hospital operated for a century.
-
Dogwalker claims pups were pepper sprayed during altercation on popular North Vancouver trail
The Hyannus trail system on the Nort Shore is known as a pooch paradise but one dogwalker claims a recent altercation with a hiker turned ugly.
Vancouver Island
-
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.
-
Man sentenced to 4 years for fatal beating of homeless man in Campbell River, B.C.
A 32-year-old man from Campbell River, B.C., has been sentenced to four years in prison for the beating death of a 59-year-old homeless man in October 2020.