insurance advocate

Why Do I Need to Hire an Insurance Advocate

An insurance advocate is a consumer advocate who works with people as they consider the purchase of an insurance policy,  assists with negotiations of claims between policyholders and insurance companies, and helps people get the most out of their insurance policies. The advocates goal is to make sure that the rights of the consumers are protected; to make consumers aware of the fine details on their insurance policies; and to make sure all their benefits are activated in the event of a claim. Continue reading Why Do I Need to Hire an Insurance Advocate

The Truth

A golfer walks into the pro shop at the golf club and asks the golf pro if they sell ball markers.

The golf pro says they do, and they are $1.00.

The guy gives the golf pro a dollar.

The golf pro opens the register, puts the dollar in, and hands him a dime to use as the marker.

This economic model is also used by governments.



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

When we visited the site, the weather was overcast but dry. The residence is a 9-year-old one storey frame dwelling with an attached garage and basement.

A tree being topped by the neighbour to the south fell onto the Insured’s roof, striking the roof over the dining room and damaging the wood shakes, trusses, fascia, soffits and gutters. The shock of the impact was felt throughout the residence. An inspection and observations of the attic made by an independent third party attest to the assumed damage in the attic. The tree then bounced, striking the roof over the living room area and landing on the east fence. The lower portion of the trunk damaged the southern fence line as the tree fell. Continue reading Timber


Things Aren’t Always What They Seem to Be

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

When we arrived on site, we found water running out of the light fixture in the Family Room in the Basement into a pail that the insured had put in place. The textured ceiling had wet spots showing through and the seams opening. The carpet was wet and the globe of the light fixture lay in pieces. There was a heavy moisture reading to the center beam dividing the Family Room and the Billiard Room. The drywall on the beam was starting to buckle from the water. Continue reading Things Aren’t Always What They Seem to Be


The Steeple

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

It was a warm, sunny, still, quiet, early summer morning in a small Northern Alberta village that eventful day as the neighbours rustled out of bed having their morning coffee to take to task their daily chores. As the morning progressed into mid-day, the hot sun beat down on them, until there was a rustle of a breeze descending upon them. Continue reading The Steeple


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


The John & Susan Story



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