Sholidis v. Economical Mutual Insurance Co. et al., [2003] O.T.C. 498 (SC)

• Judge: Thomson, J.
• Court: Superior Court of Justice of Ontario (Canada)
• Case Date: May 23, 2003
• Jurisdiction: Ontario
• Citations: [2003] O.T.C. 498 (SC)

Sholidis v. Economical Mutual, [2003] O.T.C. 498 (SC)

MLB headnote and full text

Temp. Cite: [2003] O.T.C. TBEd. JN.031

Panagiotis Sholidis (plaintiff) v. Economical Mutual Insurance Company and Roger R. James Insurance Brokers Limited (defendants)

(Court File No. 94-CQ-59069)

Indexed As: Sholidis v. Economical Mutual Insurance Co. et al.

Court of Ontario

Superior Court of Justice

Thomson, J.

May 23, 2003.

Summary:

This headnote contains no summary.

Damages - Topic 1305.1

Exemplary or punitive damages - Insurance claim denial - See paragraphs 233 to 253.

Insurance - Topic 688

Brokers - Liability - Negligence - Obtaining or advising of adequate coverage - See paragraphs 164 to 205.

Insurance - Topic 3306

Payment of insurance proceeds - Actions - Defences - Failure to disclose - See paragraphs 49 to 101.

Insurance - Topic 5856

Fire insurance - The loss - Appraisal of - See paragraphs 256 to 293.

Insurance - Topic 6046

Fire insurance - Defences - Deliberate act by insured - General - See paragraphs 102 to 163.

Cases Noticed:

Ford v. Dominion of Canada General Insurance Co., [1991] 1 S.C.R. 136; 121 N.R. 158; 71 Man.R.(2d) 157, reving. (1989), 62 Man.R.(2d) 244 (C.A.), refd to. [para. 75].

Shakoor v. United States Fidelity and Guaranty Co., [1994] O.J. No. 460 (Gen. Div.), refd to. [para. 80].

Chenier v. Madill (1973), 2 O.R.(2d) 361 (H.C.), refd to. [para. 81].

Hicks v. Saskatchewan Mutual Co. (1985), 20 C.C.L.I. 223 (Sask. Q.B.), refd to. [para. 82].

Pilieci v. Carmichael and Associates Insurance Brokers Ltd., [1993] O.J. No. 1007 (Gen. Div.), refd to. [para. 87].

McGinn et al. v. Insurance Corp. of Ireland (1990), 112 A.R. 149 (C.A.), refd to. [para. 88].

McGinn v. A All-Pave Parking Lot Services Ltd. - see McGinn et al. v. Insurance Corp. of Ireland.

Kehoe v. British Columbia Insurance Co. et al. (1993), 28 B.C.A.C. 68; 47 W.A.C. 68 (C.A.), refd to. [para. 92].

Roland Roy Fourrures Inc. v. Maryland Casualty Co., [1974] S.C.R. 52, refd to. [para. 109].

Chiusolo v. Royal Insurance Co. of Canada, [1985] O.J. No. 677 (H.C.), refd to. [para. 110].

Vidakovic v. Portage La Prairie Mutual Insurance Co. (1985), 67 A.R. 116 (C.A.), refd to. [para. 116].

Rizzo v. Hanover Insurance Co., [1990] O.J. No. 475 (H.C.), refd to. [para. 120].

Oprea v. Royal Insurance Co. of Canada, [1994] I.L.R. 1-3059 (Ont. Gen. Div.), refd to. [para. 123].

Laurie et al. v. Prudential of America General Insurance Co. (Canada) et al. (1992), 115 N.S.R.(2d) 221; 314 A.P.R. 221 (T.D.), refd to. [para. 136].

Davca Building Supplies Ltd. v. Wedgewood Insurance Ltd. and Clarke (1992), 99 Nfld. & P.E.I.R. 203; 315 A.P.R. 203 (Nfld. T.D.), refd to. [para. 167].

Faryna v. Chorny, [1952] 2 D.L.R. 354 (B.C.C.A.), refd to. [para. 170].

R. v. Norman (D.L.) (1993), 68 O.A.C. 22 (C.A.), refd to. [para. 171].

Agincourt Motor Hotel Ltd. v. Tomenson, Saunders, Whitehead Ltd., [1982] I.L.R. 1-1590 (Ont. H.C.), refd to. [para. 174].

Negash v. Later (H.) & Co., [1985] I.L.R. 1-1856 (Ont. Co. Ct.), refd to. [para. 175].

Gulay v. Temple et al., [2000] Man.R.(2d) Uned. 180 (Q.B.), refd to. [para. 177].

Webster v. Robinson, [1991] B.C.J. No. 2448 (S.C.), refd to. [para. 181].

M.S.A. Ford Sales Ltd. v. Rand & Fowler Insurance Ltd., [1997] B.C.A.C. Uned. 43 (C.A.), refd to. [para. 182].

Carter v. Boehm (1766), 3 Burr. 1905; 97 E.R. 162 (K.B.), refd to. [para. 198].

Goodbrand v. Pearson Insurance Brokers Ltd., [2001] O.T.C. 295 (Sup. Ct.), refd to. [para. 202].

Whiten v. Pilot Insurance Co. et al. (2002), 283 N.R. 1; 156 O.A.C. 201; 209 D.L.R.(4th) 257 (S.C.C.), refd to. [para. 234].

Hill v. Church of Scientology of Toronto and Manning, [1995] 2 S.C.R. 1130; 184 N.R. 1; 84 O.A.C. 1; 126 D.L.R.(4th) 129; 25 C.C.L.T.(2d) 89; 30 C.R.R.(2d) 189, refd to. [para. 235].

Greer v. Co-operators General Insurance Co. (1999), 104 O.T.C. 329 (Sup. Ct.), refd to. [para. 265].

Seed v. ING Halifax Insurance et al., [2002] O.T.C. 352 (Sup. Ct.), refd to. [para. 266].

Saskatchewan Government Insurance v. Nipawin (Town), [1999] I.L.R. 5501; 172 Sask.R. 245; 185 W.A.C. 245 (C.A.), refd to. [para. 267].

Royal Bank of Canada v. Red River Valley Mutual Insurance Co., [1986] 5 W.W.R. 236; 42 Man.R.(2d) 124 (C.A.), refd to. [para. 271].

National Bank of Greece (Canada) et autres v. Simcoe & Erie General Assurance Co. et autres, [1990] 2 S.C.R. 1029; 115 N.R. 42; 32 Q.A.C. 250, refd to. [para. 274].

National Bank of Greece (Canada) v. Katsikonouris - see National Bank of Greece (Canada) et autres v. Simcoe & Erie General Assurance Co. et autres.

Caisse populaire des Deux rives v. Vallée du Richelieu (La), compagnie mutuelle d'assurance de dommages, [1990] 2 S.C.R. 995; 115 N.R. 1; 34 Q.A.C. 241, refd to. [para. 278].

Verlysdonk v. Premier Petrenas Construction Co. and Northland Engineering Ltd. (1987), 24 O.A.C. 34 (Div. Ct.), refd to. [para. 291].

Statutes Noticed:

Insurance Act, R.S.O. 1990, c. I-8, sect. 11, sect. 128, sect. 148(1) [para. 264]; stat. cond. 11 [para. 264].

Authors and Works Noticed:

Brown, Craig, and Menezes, Julio, Insurance Law in Canada (2nd Ed. 1991), generally [para. 198].

Counsel:

The plaintiff, Panagiotis Sholidis was unrepresented;

Thomas J. Hanrahan, for the defendant, Economical Mutual Insurance Co.;

M. Barett and M. O'Donnell, for the defendant, Roger R. James Insurance Brokers Ltd.

This case was heard on April 2-5, 9-12, 15, 16 and 19 and June 3-6, 24-26 and 28 and October 22 and 23, 2002, before Thomson, J., of the Ontario Superior Court, who released the following decision on May 23, 2003.

Please note: The following judgment has not been edited.