‘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
Canada makes amendments to foreign homebuyers ban – here's what they look like
Months after Canada's ban on foreign homebuyers took effect on Jan. 1, the Canada Mortgage and Housing Corporation has made several amendments to the legislation allowing non-Canadians to purchase residential properties in certain circumstances.
'Leave this with me': Alberta premier heard on call with COVID-19 protester
Alberta Premier Danielle Smith, in a leaked cellphone call, commiserated with a COVID-19 protester about his trial while divulging to him there was an internal dispute over how Crown prosecutors were handling COVID-19 cases.
What is the grocery rebate in federal budget 2023? Key questions, answered
To help offset rising living expenses, the Government of Canada has introduced a one-time grocery rebate for low- and modest-income Canadians. Here is what we know about the rebate.
RCMP arrest 5 while executing search warrant at Wet'suwet'en protest camp
RCMP officers executed a search warrant at a protest camp on Wet'suwet'en traditional territory near the under-construction Coastal GasLink pipeline Wednesday.
'Compostable' food packaging may contain hazardous 'forever chemicals': Canadian study
As Canada phases out single-use plastics, more restaurants are opting to use 'compostable' takeout containers. But a new study suggests some of these supposedly eco-friendly containers may pose hazards to our health and the environment.
Could Usain Bolt outrun a 900-pound dinosaur? Physics professor poses the question
A new academic paper pits legendary sprinter Usain Bolt against a 900-pound dinosaur to see who could run a 100-metre distance the fastest.
Recalled in Canada: Change tables over entrapment hazard, hoodies due to risk of choking
Health Canada has issued two recalls, one for change tables over an entrapment hazard and another for bamboo nursing hoodies due to a risk of choking.
Many Canadians like to tell 'white lies' about home-cooked meals: survey
Have you ever had to lie about the quality of a home-cooked meal to protect someone's feelings? According to a new survey by Research Co. you’re not the only one.
Spending to increase economic capacity is fiscally responsible, Freeland says in post-budget defence
Defending her latest federal budget, Deputy Prime Minister and Finance Minister Chrystia Freeland said spending that increases economic capacity is fiscally responsible.
Regina
-
City council waiting for next steps in Experience Regina rebrand
The City of Regina is waiting for an update regarding the next steps for the Experience Regina rebrand.
-
Regina's Dewdney Avenue strip to undergo 2 year renovation project
The Dewdney Avenue strip between Broad Street and Albert Street is about to undergo a major two year renovation project.
-
Saskatchewan to spend $6 million for some hip and knee surgeries in Calgary
The Saskatchewan government is set to spend up to $6 million to send patients to Calgary for hip and knee surgeries.
Saskatoon
-
Saskatoon police release video of 3 people placing 'large container' in dumpster where body was found
Saskatoon Police Service is asking for the public’s help in identifying three individuals they believe are connected to a suspicious death.
-
Saskatoon murder trial on hold as police investigate new revelations
A Saskatoon murder trial is being adjourned to allow police to follow-up on "significant information" that just came to the Crown prosecutor's attention Wednesday.
-
Dog that attacked five-year-old Saskatoon boy involved in three other attacks
CTV News has learned a dog that attacked a five-year-old boy last week had been declared dangerous in February 2022, but the city had lost track of the owner a year ago.
Northern Ontario
-
Northern Ont. family ‘ecstatic’ as 25-year-old murder mystery finally solved
Robert Steven Wright was convicted Wednesday of murdering Renee Sweeney, a little more than 25 years after her brutal killing shocked the community.
-
B.C. man pleads guilty to northern Ont. shooting, Crown drops attempted murder charge
A man who admitted to shooting up a home in Greater Sudbury in 2020 over a drug theft pled guilty Wednesday to reduced charges.
-
Driver caught travelling 200km/hr on major Ontario highway
A 20-year-old has been charged with careless driving after travelling double the speed limit on a major Ontario highway.
Edmonton
-
Online video between Danielle Smith and Artur Pawlowski raises questions over interference
In an online video, Alberta Premier Danielle Smith is heard speaking with outspoken Calgary pastor Artur Pawlowski, creating questions about her influence on Alberta court cases.
-
Man found dead in SUV, Edmonton homicide detectives on the case
Police are looking for help in the suspicious death of a man found in a vehicle in north Edmonton Wednesday morning.
-
'Serious labour shortage' holding Alberta's tourism sector back: industry advocates
Alberta's tourism sector has a "serious labour shortage" that can threaten its long-term viability, a new labour study has found.
Toronto
-
BREAKING
BREAKING | Man pulled from house fire in Toronto's Junction Triangle dies in hospital
A man is dead after being pulled from a fire at a home in Toronto’s Junction Triangle neighbourhood.
-
A rare weather phenomenon strikes southern Ontario again
Thundersnow has struck southern Ontario for a second time this month.
-
Why is there no cell service on the TTC? Riders say it could increase safety
The Toronto Transit Commission signed a deal in 2012 to provide cellular service on the subway network, but over a decade later, few are able to make a call in an emergency—something the TTC board members, riders and parents say has to change in the wake of the death of Gabriel Magalhaes.
Calgary
-
‘I started breaking down:’ Friends remember 15-year-old homicide victim
A 15-year-old girl shot to death in the community of Martindale early Tuesday morning, has now been identified by friends and police as Sarah Alexis Jorquera.
-
Woman in custody, charges pending following Lions Park LRT station stabbing
Calgary police say they've arrested a woman in connection with a stabbing at the Lions Park LRT station that stemmed from a fight between several people.
-
Lethbridge UCP candidate Torry Tanner's claims against teachers disputed
A United Conservative Party candidate in Lethbridge claims teachers are exposing students to pornography and gender reassignment without parental knowledge.
Montreal
-
Bill 15: Quebec tables legislation to overhaul health system
The CAQ government has unveiled its long-promised plan to improve Quebec's public health network. Tabled at the Quebec legislature Wednesday by Health Minister Christian Dubé, Bill 15 promises a major shakeup.
-
'I lost a brother': Funeral held for teen who died in Old Montreal fire
Almost two weeks after his death, a funeral was held in Laval Wednesday for a teenager who died in the fire in Old Montreal.
-
Flooded and fed up: St-Leonard homeowners file class-action suit over heavy rain damages
A group of homeowners in St-Leonard has filed a class-action lawsuit against their borough and the City of Montreal, claiming municipal authorities are to blame for repeated floodings during heavy rain.
Ottawa
-
LRT
LRT | Stage 2 of Ottawa LRT faces further delay
The long-awaited southern extension to Ottawa's light rail network is facing a further delay, a city committee heard Wednesday.
-
Truck held together with bungee cord pulled off the road in eastern Ontario
Quinte OPP says officers stopped the vehicle on Trenton-Frankford Road on Wednesday with a bungee rope stretching across the back of the truck.
-
Migrants' influx helps Cornwall, Ont. labour shortage
Hundreds of migrants, who have crossed the Canadian border at Roxham Road in Quebec and have settled in Cornwall, were on the hunt for jobs on Wednesday.
Atlantic
-
N.S. mass shooting inquiry report must deliver 'clear commentary': family lawyer
A lawyer who represents Nova Scotia mass shooting victims' families said in an interview they are hoping "for clear commentary on what things went wrong and what things ought to have been done better or differently."
-
Cold front to sweep mix of snow, rain across the Maritimes Thursday
A low-pressure system moving north of the St. Lawrence River valley will sweep a cold front across the Maritimes on Thursday.
-
How Portapique residents past and present are dealing with reminders of the 2020 mass shooting
The eve of the release of the final report from the inquiry into Nova Scotia’s 2020 mass shooting is a reminder for residents of Portapique of their small community’s traumatic past.
Kitchener
-
'Fairly emotional for everybody': Teen struck by LRT visits emergency crews who rescued him
Several weeks after a teen was stuck under an LRT train in Kitchener, he’s now up and walking and visited the emergency crews who helped rescue him.
-
Cambridge municipal election candidate suing city after names left off ballot
A retired political science professor says he was “stunned” by the way the Cambridge municipal election unfolded.
-
Businesses weigh in on government’s plan to reduce credit card fees
The federal government is touting plans to help small businesses by reducing credit card fees, but some local merchants say while they welcome the measure, the actual impact it will have on their operations will be minimal.
Vancouver
-
'I made it': Inside the addiction and mental health treatment ongoing at old Riverview Hospital site
The Riverview Hospital itself has been closed for more than a decade, but 289 people are currently receiving treatment for mental health, addictions or both at the old site.
-
City of Vancouver considering requiring grant recipients to be 'respectful' in order to get funding
Vancouver city council has asked staff to shape a policy that would require grant recipients to engage with officials in a "respectful manner," a move that one political scientist says suggests an attempt to prevent or punish criticism.
-
'A freeze response of shock': Expert weighs in on bystanders not stepping in during fatal Vancouver stabbing
After a man was fatally stabbed outside of a Vancouver Starbucks in front of dozens of witnesses, video of the attack is circulating on social media, raising questions about why nobody stepped in to help.
Vancouver Island
-
IIO investigating after man driving construction vehicle shot, seriously injured by police in Duncan, B.C.
A man was taken to hospital with serious injuries following a police shooting in Duncan, B.C., on Tuesday evening.
-
Vancouver Island non-profit calls for more support for women with brain injuries from violent partners
A Vancouver Island non-profit is calling for more support for women who suffer a brain injury at the hands of a violent partner.
-
Police investigating 'targeted' attempted arson at home in Saanich
Police are investigating what they believe was a targeted arson attack at a home north of Victoria.