‘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
Han Dong resigns from Liberal caucus amid foreign interference allegations
Han Dong has announced he will be sitting as an independent MP after being the subject of foreign interference allegations.
Former prime minister Stephen Harper says Canada needs a 'Conservative renaissance'
Canada needs a 'Conservative renaissance,' former prime minister Stephen Harper said Wednesday, but he cautioned that Pierre Poilievre should wait until an election before telling Canadians how he might run the country.
Biden is coming to Canada: Here's what we know about his visit
U.S. President Joe Biden is coming to Canada Thursday evening, kicking off his short but long-awaited overnight official visit to Canada. Here's what CTV News has confirmed about what will be on the agenda, and what key players are saying about the upcoming visit.
Canada's relationship with the U.S. needed rebuilding post-Trump says Ambassador Hillman
Canada's Ambassador to the U.S. Kirsten Hillman says the country’s relationship with its American counterparts required rebuilding after the Trump administration.
WeightWatchers appears set to close dozens of Canadian locations Sunday
WW International appears set to close dozens of its roughly 118 WeightWatchers locations across Canada on March 26 in what may be part of a restructuring strategy.
Police find 2 more bodies at site of Old Montreal fire; first victim identified
The death toll from last week's massive fire in Old Montreal has risen to four, Montreal police confirmed. Julien Levesque, a police spokesperson, said Wednesday evening that two more bodies were retrieved from the historic building that went up in flames last Thursday.
Top 4 quirky consumer complaints received in 2022: BBB
The Better Business Bureau (BBB) says it receives tens of thousands of complaints from consumers across Canada each year, but once in a while a "quirky" one will take them by surprise.
What are the predictions for Canada's real estate market this spring?
The Canadian real estate market has been sluggish since last year, when prospective buyers started putting off plans to purchase homes as the Bank of Canada aggressively hiked interest rates eight consecutive times. But realtors see many edging toward a purchase once more.
More than half of Canadians OK with telling lies to spare others’ feelings: Poll
According to a new poll conducted by Research Co., more than half of Canadians surveyed said it is permissible to lie to spare someone’s feelings.
Regina
-
Sask. projects $1B surplus, will use cash to pay debt instead of further funding boosts
Saskatchewan is projecting a $1 billion surplus in the coming year and plans to spend just as much in paying down the province's debt.
-
Sask. finance minister cautions against using surplus to fund overburdened health system
Saskatchewan’s healthcare spending will rise to record levels in the 2023-24 provincial budget but, after adjusting for inflation, critics say the boost is weaker than advertised.
-
Funding for distance learning, capital projects included in record $3.1B education budget
The Government of Saskatchewan is committing over $20 million for online learning as part of its record $3.1 billion education budget for the 2023-2024 fiscal year.
Saskatoon
-
Sask. projects $1B surplus, will use cash to pay debt instead of further funding boosts
Saskatchewan is projecting a $1 billion surplus in the coming year and plans to spend just as much in paying down the province's debt.
-
Accused in Ally Moosehunter homicide cross-examined by the crown
The man charged with first-degree murder in the death of Ally Moosehunter took the stand Wednesday for cross-examination by the crown.
-
Funding for distance learning, capital projects included in record $3.1B education budget
The Government of Saskatchewan is committing over $20 million for online learning as part of its record $3.1 billion education budget for the 2023-2024 fiscal year.
Northern Ontario
-
Family sues OPP, others, for more than $2M after woman dies in Sudbury, Ont., jail
The family of a woman who died by suicide in November 2020 while incarcerated at the Sudbury Jail is suing police and other officials for more than $2 million.
-
An abundance of job options at Northern College career fair
Northern College said it hopes the Ontario government will consider funding its trade programs -- this after being left out of a $224 million funding announcement for skilled trade centres.
-
Northern Ont. police find driver unconscious at the wheel, motor running
Ontario Provincial Police responding to a different call March 17 discovered a driver slumped over the wheel in a running parked car on Main Street in the Town of Thessalon.
Edmonton
-
Ashley Ryan, wife of fallen EPS officer, drops puck at charity game for mental health
Wearing her husband's police jacket, Ashley Ryan walked to centre ice at a charity hockey game in Spruce Grove, Alta., Wednesday night. She, a paramedic, then dropped the puck on the matchup that Brett was planning to referee.
-
'We are a natural gas province': Smith says Alberta needs power plants, not wind and solar
Alberta's premier assured a ballroom of rural leaders Wednesday that she does not want to see the province move away from electricity generated from fossil fuels, while complaining about solar panels covering farm land.
-
EPS announces death of constable
The Edmonton Police Service announced the death of an officer on Tuesday.
Toronto
-
Ontario 4-year-old diagnosed with brain tumour after doctors believed it was a virus
An Ontario mother and father say their four-year-old was recently diagnosed with a brain tumour after doctors believed his symptoms were a flu-like virus for months.
-
'I feared for my life': Toronto man shot by police wants bodycam footage of incident released
A Toronto man who was shot multiple times by a police officer while he was walking his dog last month says more could have been done to de-escalate the situation that almost left him dead.
-
Toronto woman receives free gift, but signs contract for $7,000 vacuum cleaner
A Toronto woman said she received a free air purifier as an online promotion, but also signed up for a $7,000 vacuum cleaner in the process.
Calgary
-
Battle between UCP, NDP too close to call as provincial election inches closer: ThinkHQ
A new political poll surveying Albertans ahead of May's provincial election shows a deep divide within the province, with the governing United Conservative Party and Alberta's New Democrats fighting neck and neck for support.
-
Ashley Ryan, wife of fallen EPS officer, drops puck at charity game for mental health
Wearing her husband's police jacket, Ashley Ryan walked to centre ice at a charity hockey game in Spruce Grove, Alta., Wednesday night. She, a paramedic, then dropped the puck on the matchup that Brett was planning to referee.
-
Only 27 per cent of Alberta knee replacement surgeries were done on time in 2022: CIHI
If you were an Albertan waiting for a knee replacement in 2022 and you're still waiting, you're not alone.
Montreal
-
Police find 2 more bodies at site of Old Montreal fire; first victim identified
The death toll from last week's massive fire in Old Montreal has risen to four, Montreal police confirmed. Julien Levesque, a police spokesperson, said Wednesday evening that two more bodies were retrieved from the historic building that went up in flames last Thursday.
-
School board welcomes Quebec probe into sexual abuse
At least one school board is welcoming news of an investigation into allegations of sexual violence at schools.
-
Plante says Quebec budget ignores Montreal's housing needs
The mayor of Montreal says she only had two requests of the Quebec government and one of them was ignored. Despite new buildings going up in Montreal, Mayor Valerie Plante says it's harder than ever for some people to find a place to live.
Ottawa
-
Sutcliffe not ruling out public funding for new Senators arena
As the sale of the Ottawa Senators heats up, the city's mayor isn't ruling out public funding for a new downtown arena for the team.
-
Pedestrian struck and killed by a vehicle in Chelsea, Que.
Emergency crews responded to the collision involving a pedestrian on Highway 105 near the Chem. Ditchfield intersection in Chelsea at approximately 5:15 p.m. Wednesday.
-
FREEZING RAIN WARNING
FREEZING RAIN WARNING | Several hours of freezing rain expected Thursday morning in Ottawa
Environment Canada has issued a freezing rain warning for Ottawa, calling for up to 2 to 4 millimetres of ice build up on untreated surfaces. The freezing rain is expected to last several hours before ending Thursday morning.
Atlantic
-
Transportation Safety Board report on sinking cites lax federal rules on stability
A Transportation Safety Board of Canada report has linked the fatal sinking of a Nova Scotia scallop dragger in 2020 to years of federal inaction on the imposition of stricter stability standards for fishing vessels.
-
Nova Scotia Teachers' Union calls for government action on school violence
Students at a Halifax-area school where two staff members were stabbed Monday returned to class Wednesday afternoon.
-
Weather statements issued in the Maritimes ahead of snow Thursday
Environment Canada has issued special weather statements in the Maritimes ahead of a spring mix of snow and rain arriving Thursday.
Kitchener
-
Ont.’s police watchdog investigating after Centre Wellington man seriously injured
Ontario’s police watchdog is investigating a crash near Belwood Lake that saw a 43-year-old Centre Wellington man transported to hospital.
-
'I'm going to die': Officer recalls night Beau Baker died
Remembering the night he fatally shot Beau Baker outside a Kitchener apartment on Brybeck Crescent in April 2015, Waterloo Regional Police Service (WRPS) Staff Sgt. Eric Boynton - who was a patrol officer at the time - testified he was worried about Baker killing himself or others.
-
Vancouver
-
Sellers targeted B.C. minors via Snapchat to sell nicotine and THC vaping products, police say
Police on Vancouver Island have busted a vaping operation where nicotine- and THC-filled e-cigarettes were sold to youth at middle and high schools.
-
Poisoning suspected in deaths of 2 dogs in B.C. community, RCMP say
Dog owners in Trail, B.C., are being urged to keep their pets inside as Mounties investigate the deaths of two family dogs believed to have been poisoned with strychnine.
-
Vanier Park tent encampment residents refuse to leave
Residents of a tent encampment on Vancouver’s west side are defying orders to leave, despite being given 24 hours' notice to vacate the area.
Vancouver Island
-
Shortage of cold and flu medicine still plaguing Island pharmacies
A lack of cold and flu medicine – especially for kids – persists at pharmacies across Vancouver Island and across the province.
-
Historic Point Ellice House closing in Victoria
A well-known historic site and museum in Victoria is closing its doors due to what it calls a lack of funding. On Wednesday morning, Point Ellice House Museum and Gardens announced it was closing down effective immediately.
-
Saanich police bust ring allegedly selling vape products at Greater Victoria schools
More than $100,000 worth of vaping products have been seized by Saanich police detectives who say the items were being marketed and sold at schools throughout B.C.'s capital region.