Monthly Archives: January 2017

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The Perils of Mitigation by the Insured

CASE STUDY – from the files of Integral…………

On our initial visit to the restoration contractor’s warehouse we were shown the cabinets in question which were stored on a mezzanine over storage lockers in their warehouse. The cabinets were disassembled by the insured and taken to a storage locker before they had been picked up by professional movers and brought to their current location in the warehouse.    Continue reading The Perils of Mitigation by the Insured

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The John & Susan Story

AFTER A LOSS, THE MOST IMPORTANT OBJECT IS LOSS CONTROL!

 

CASE STUDY – from the files of Integral…………

Four years ago, Susan and John bought a home in an upscale quiet neighbourhood, beside a salmon bearing creek to the west, situated above the creek bed, but within the allotted fisheries right of way for the creek. On the backside of the home was the driveway that ran past the house to the detached garage in the back. The residence was nestled against a large slope to the east and in the middle of the driveway was a large drain that handled the peak runoffs of water from the hillside keeping the home warm and dry. It was picture perfect, what more could Susan and John ask for? Continue reading The John & Susan Story

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The High Cost of Obsolescence

CASE STUDY – from the Integral Files ………………

The original 900 square foot structure which is the rear half of the building was built in 1911, with a small stone foundation. It appears that it may have had a front porch across the front of it. This was before the Canadian Building Code came into force in 1941. The foundation, structure and finishes are obsolete and not to building code. Continue reading The High Cost of Obsolescence

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The Eight Month Process for Building Permits

CASE STUDY – from the Integral Files ………………

THIS IS A FOLLOW UP FROM THE POSTING “WHEN AN INSURED CRIES OUT FOR HELP”

This residence, which had suffered a fire loss that severely damaged the roof, and gutted the interior, was infringing on the Department of Fisheries setback for a salmon stream that ran through the property. Fifty percent of the home was constructed on this set back. The construction also bordered the street right of way setback for the municipality it was constructed in. Continue reading The Eight Month Process for Building Permits