Marina Del Rey Condominium $15 Lawsuits, Toronto

The Toronto Waterfront area can be a beautiful place to live. I thought all my dreams had come true when I moved in to my condominium 23 years ago. It has the most spectacular view of this city! However, I soon discovered that purchasing this property would become my biggest nightmare! I have now been homeless for 13 years!

This is a cautionary tale about what happens to a condo owner at Marina Del Rey Phase I, 2261 Lake Shore Blvd. W, who is forced to commence legal action in an effort to rebuild her home after years of continuous water flooding problems, mismanagement, neglect of duties, and bad faith displayed by insurance companies.

I have started this blog with the hope that I can provide help and encouragement to others who find themselves in a similar situation. Insurance companies and corporations have lots of money and lawyers to fight us. However, we have the power of the internet and the social media to connect, support each other, and exchange helpful information.

Wednesday, 30 March 2011

Who Pays When a Toilet Tank Bursts?

If damage is caused to other units or the common elements as a result of something that is caused by you or your occupants, then your insurance must pay.

CGU, why did you refuse to inspect my condo unit for damage?  Why did you refuse to respond to my requests for assistance and coordinate with my insurance company after the June 18, 2000 and May 22, 2001 floods?  The subsequent damage to my unit exceeded my policy limit and I required your cooperation to rebuild my home.

Jai Goolseram, the insurance adjuster for CGU told me to go ahead and sue!  I clearly remember that day and have remained very upset whenever I think about the things he said to me on the telephone.

In contrast, the condo corporation's insurance adjuster did respond, although not immediately.  Standard procedure at my condo is to report a flood to the conceirge, the conceirge calls the superintendent, the super calls in remediation specialists immediately, the condo manager calls the insurance company and starts a claim.  This did not happen in my situation because the person in charge of managing our condo had no formal training for this positon.  Mistakes were made, but after 6 months the condo corporations's insurer,  Allianz, did offer some money to help me - but it was not enough to rebuild my home.  I needed assistance from CGU  who insured the condo owner above me from where the water leaks originated.  CGU steadfastly refused. 


  1. I live in Toronto and condos are popping up all over the place. And it's understandable.

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  2. That article was so helping. Thanks for the information.

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