R.E. et al. v. Wawanesa Mutual Insurance Co. et al., [2006] O.T.C. 251 (SC)

• Judge: Pierce, J.
• Court: Superior Court of Justice of Ontario (Canada)
• Case Date: March 07, 2006
• Jurisdiction: Ontario
• Citations: [2006] O.T.C. 251 (SC)

R.E. v. Wawanesa Mutual, [2006] O.T.C. 251 (SC)

MLB headnote and full text

Temp. Cite: [2006] O.T.C. TBEd. MR.121

R.E., B.E., K.E. and J.E. (plaintiffs) v. The Wawanesa Mutual Insurance Company and Commercial Union Canada, subsequently also known as CGU Insurance Company of Canada, now known as Aviva Canada Inc. (defendants)

(Court File No. 03-0659)

Indexed As: R.E. et al. v. Wawanesa Mutual Insurance Co. et al.

Court of Ontario

Superior Court of Justice

Pierce, J.

March 7, 2006.

Summary:

This headnote contains no summary.

Editor's Note: Certain names in the following case have been initialized or the case otherwise edited to prevent the disclosure of identities where required by law, publication ban, Maritime Law Book's editorial policy or otherwise.

Insurance - Topic 6622

Multi-peril property insurance - Household or homeowner's policies - Insured defined - See paragraphs 1 to 63.

Insurance - Topic 6638.1

Multi-peril property insurance - Household or homeowner's policies - Exclusions - Damage from intentional or criminal acts (incl. vandalism and malicious acts) - See paragraphs 64 to 107.

Cases Noticed:

Canada Security Assurance Co. v. Joynt, [1967] S.C.R. 10, refd to. [para. 8].

Global General Insurance Co. v. Finlay and Laying, [1961] S.C.R. 539, refd to. [para. 8].

Derksen et al. v. 539938 Ontario Ltd. et al., [2001] 3 S.C.R. 398; 277 N.R. 82; 153 O.A.C. 310, refd to. [para. 13].

Consolidated-Bathurst Export Ltd. v. Mutual Boiler and Machinery Insurance Co., [1980] 1 S.C.R. 888; 32 N.R. 488, refd to. [para. 13].

Zurich Insurance Co. v. 686234 Ontario Ltd. (2002), 166 O.A.C. 233; 62 O.R.(3d) 447 (C.A.), leave to appeal refused (2003), 319 N.R. 198; 189 O.A.C. 197 (S.C.C.), refd to. [para. 13].

Wawanesa Mutual Insurance Co. v. Bell, [1957] S.C.R. 581, refd to. [para. 30].

Wright v. Canadian Group Underwriters Insurance Co. (2002), 167 B.C.A.C. 268; 274 W.A.C. 268 (C.A.), refd to. [para. 33].

Gray v. Insurance Corp. of British Columbia, [1987] B.C.J. No. 2355 (C.A.), refd to. [para. 34].

Gecho v. BCAA Insurance Corp. et al. (1997), 92 B.C.A.C. 120; 150 W.A.C. 120 (C.A.), refd to. [para. 35].

Arsenault v. Fitzgerald et al. (1985), 66 N.B.R.(2d) 232; 169 A.P.R. 232 (T.D.), refd to. [para. 37].

Canadian Universities' Reciprocal Insurance v. Halwell Mutual Insurance Co. et al. (2002), 164 O.A.C. 105; 61 O.R.(3d) 113 (C.A.), refd to. [para. 38].

Harris et al. v. Pilot Insurance Co. et al. (1997), 102 O.A.C. 170; 34 O.R.(3d) 633 (C.A.), refd to. [para. 39].

Campbell v. Royal Insurance Co. of Canada (1991), 115 N.B.R.(2d) 140; 291 A.P.R. 140 (C.A.), refd to. [para. 40].

Wood et al. v. Krebs et al., [2004] O.A.C. Uned. 448 (C.A.), affing. [2004] O.T.C. 169 (Sup. Ct.), refd to. [para. 41].

Riordan v. Lombard Insurance Co. (2003), 182 B.C.A.C. 199; 300 W.A.C. 199 (C.A.), refd to. [para. 42].

Appel et al. v. Dominion of Canada General Insurance Co. (1997), 95 B.C.A.C. 122; 154 W.A.C. 122 (C.A.), refd to. [para. 43].

Cal-Farm Insurance Co. v. Boisserane (1957), 151 Cal. App.2d 775; 312 P.2d 401; 1957 Cal. App. LEXIS 1825 (1st App. Dist.), refd to. [para. 56].

Miller v. United States Fidelity & Guaranty Co. (1974), 127 N.J. Super. 37; 316 A.2d 51; 1974 N.J. Super. LEXIS 702 (App. Div.), refd to. [para. 58].

Alava v. Allstate Insurance Co. (1986), 497 So.2d 1286; 11 Fla. L. Weekly 2348; 1986 Fla. App. LEXIS 10531 (Ct. App., 3rd Dist.), refd to. [para. 58].

Rocovitis Estate et al. v. Dominion of Canada General Insurance Co. et al., [2003] O.T.C. 81; 63 O.R.(3d) 402 (Sup. Ct.), refd to. [para. 64].

Scalera v. Lloyd's of London, [2000] 1 S.C.R. 551; 253 N.R. 1; 135 B.C.A.C. 161; 221 W.A.C. 161, refd to. [para. 68].

Sirois v. Saindon and Co-operative Fire & Casualty Co., [1976] 1 S.C.R. 735; 4 N.R. 343, refd to. [para. 68].

Cooperative Fire & Casualty Co. v. Saindon - see Sirois v. Saindon and Co-operative Fire & Casualty Co.

Misirlis (Bankrupt) v. Continental Insurance Co. (2002), 166 O.A.C. 272 (C.A.), refd to. [para. 76].

Hodgkinson v. Economical Mutual Insurance Co. (2003), 180 O.A.C. 177; 68 O.R.(3d) 587 (C.A.), refd to. [para. 77].

Liberty Mutual Insurance Co. v. Hollinger Inc. et al. (2004), 183 O.A.C. 146 (C.A.), refd to. [para. 78].

Buchanan v. Gan Canada Insurance Co. et al. (2000), 134 O.A.C. 189; 50 O.R.(3d) 89 (C.A.), refd to. [para. 83].

Devlin v. Co-Operative Fire and Casualty Co. et al. (1978), 11 A.R. 271 (C.A.), refd to. [para. 86].

Roman Catholic Episcopal Corp. of the Diocese of Sault Ste. Marie v. Canadian Surety Co., [2000] O.J. No. 3446 (Sup. Ct.), refd to. [para. 87].

Insurance Corp. of British Columbia v. Kraiger (2002), 172 B.C.A.C. 291; 282 W.A.C. 291 (C.A.), refd to. [para. 87].

Kolta et al. v. State Farm Fire and Casualty Co. et al. (1981), 32 O.R.(2d) 515 (H.C.), refd to. [para. 87].

Stats v. Mutual of Omaha Insurance Co., [1978] 2 S.C.R. 1153; 22 N.R. 91, refd to. [para. 98].

Gray v. Barr, [1971] 2 All E.R. 949 (C.A.), refd to. [para. 98].

C.C.R. Fishing Ltd. and Bank of Montreal v. British Reserve Insurance Co. et al., [1990] 1 S.C.R. 814; 109 N.R. 1, refd to. [para. 99].

Authors and Works Noticed:

Brown, Craig, and Menezes, Julio, Insurance Law in Canada (2nd Ed. 1991), generally [para. 70].

Counsel:

Kristopher H. Knutsen, Q.C., and Eric Knutsen, for the plaintiffs;

Laird S.S. Scrimshaw, for the defendant, Wawanesa Mutual Insurance Co.;

Eugene Prpic, for the defendant, Commercial Union Canada, now known as Aviva Canada Inc.

This motion was heard at Thunder Bay, Ontario, on January 30 and 31 and February 1 and 2, 2006, before Pierce, J., of the Ontario Superior Court, who released the following decision on March 7, 2006.

Please note: The following judgment has not been edited.