Erin and Rob's Mudslide Recovery
edit - The insurance company has denied their claim due to the mudslide being an "Act Of God".
A number of people have requested to know which insurance company their policy is with. It is with The Co-operators.
According to their site:
"Our business decisions are guided by our co-operative principles, so the need for profitability is balanced with the needs of our member-owners and their communities. Making people a priority and taking a long-term view of business decisions makes The Co-operators fundamentally different from most insurance companies."
We are requesting The Cooperators live up to those principles.
To that end we are asking people to reach out to their local Cooperators agent and President and CEO, Kathy Bardswick by email at email@example.com or by phone at 519-767-3055 or by snail mail at 130 Macdonell Street Guelph, ON N1H 6P8.
An example email is:
"To Your Local Agents for
The Cooperators Insurance Ltd
I am sure that you are aware of the recent devastating mudslides occurring in Birken, British Coloumbia. The Ellliot Family lost their home and farm in the mudslide.
Part of their story is that their insurance company has refused to accept their claim. That company is The Cooperators. I notice that on your company’s web site you state that:
“For a total insurance solution that provides reliable, high quality care, along with reasonable insurance rates, consider what The Co-operators has to offer.”
“Our business decisions are guided by our co-operative principles, so the need for profitability is balanced with the needs of our member-owners and their communities. Making people a priority and taking a long-term view of business decisions makes The Co-operators fundamentally different from most insurance companies."
There is considerable negative publicity for your company building around this story. I am writing to ask that you exert whatever influence you may have on your head office to have this decision reversed. Acknowledging their claim would signal that you are indeed a company that lives up to its own advertising and that deserves the confidence of its policy holders.
The family has applied for the BC Disaster Financial Assistance program but this only covers up to 80% of the damage to the house and land. It does not cover possessions or any transitional assistance.
For example The Cooperators should cover:
Coverage on possessions -$55,000-$60,000
Transitional assistance - $25,000
The family would like to thank everyone that has made a donation. They are overwhelmed with the outpouring of support and are deeply grateful for your help.
Thanks again to everyone that has donated. Every donation helps.
this newscast has footage of the slide and their house. http://globalnews.ca/news/2231358/update-mudslides-northeast-of-pemberton-cause-evacuation-order-power-outages/
If anyone can make something positive of this disaster, its Rob. Always such a kind calm, loving soul. His creativity and unbelievable resourcefulness will get them through difficult times. I have a 1000 percent faith that something even more wonderful will be built. This is one amazing family. Go get em Rob. With your wonderful wife and son by your side theres nothing you cant accomplish and rebuild. A truly remarkable one of a kind person i had the pleasure to know. Best of luck elliott family. Xx im so happy you are all safe. The world needs more people like you.
I have to add this one more comment. Once upon a time I had consulted Rob about some sort of problem that i no longer remember. As always Rob showed me endless compassion that most of the time was not even deserved. In response to my dilemna he replied. "When in doubt add more love" these words ive kept with me forever. Thank you rob and when you rebuild your home and ever feel overwhelmed just follow the words a wise soul said to me (you) just add more love.
My Note to The Co-operators. I urge all #Rob & #Erin's friends & neighbors to post & DM a note too. PLEASE SHARE ! Tel, Email & Snail Mail: kathy_bardswick (at) cooperators.ca or by phone at 519-767-3055, 130 Macdonell Street Guelph, ON N1H 6P8. Write a review on their g+ pages #Whistler & #Guelph too: Dear Pres' & CEO, #KathyBardswick Live up to your Stated #Principles !!! Quote "Our business decisions are guided by our co-operative principles, so the need for profitability is balanced with the needs of our member-owners and their communities. Making people a priority and taking a long-term view of business decisions makes The Co-operators fundamentally different from most insurance companies." Help Rob Elliott Erin Stewart Elliott & son #River, in Birken, British Columbia ( Pemberton, British Columbia ). Do you realize how many polices your going to lose in the Whistler, Canada / SLRD - Squamish-Lillooet Regional District ? ...But if you help them think of the huge Community #Goodwill & all the new clients you could gain?
Thank Goodness no one was killed, I know a family from Lions Bay who lost their house and one of their daughters many years ago so there's the silver lining in an otherwise awful situation. Just a thought, you can get a modular home and put it on the site or nearby so at least you have some sort of shelter for your family. Kijiji has them and also there are some dealerships in the fraser valley who sell them... http://www.kijiji.ca/b-park-model-trailer/british-columbia/page-2/c335l9007 If you have any questions or if I can be of any more help please feel free to contact me through a PM on Facebook (no I don't sell them, just trying to do my good dead for the day) Cheers, Allan
I would like to know which insurance company this is, please? I would also like to say I would try to fight this, would the insurance company not have to prove there is a God? IF there is a God why would he cause people to lose everything they own? Sounds more like an act of the Devil in my opinion. Years ago in the Comox Valley we had a massive flood, they tried to say it was an act of God and denied us. I said, so God forced the water to come up from the drain and through the patio doors? It was a fight but we did get covered. In saying that I hope you are able to raise enough money to start fresh, wish I could help but disability doesn't pay much.
In answer to your question Tasha ...most insurance policies DO NOT cough-up if it's an Act of God; circumstances vary depending what hazards you live near. Like flood plains for low level Pemberton area; Rock slides in the mountains and maybe sand storms in the desert areas etc. I don't think the Insurance will even cover the minimum for personal items in this case. Eg. I think we only get $40,000 for the old house which would not even cover rebuilding costs these days and possibly $20,000 for personal...clothing, house hold items, furnishings but disclaim with electronics, Art & valuables, jewellery. You have to pay a lot more cash to cover that stuff...if you make the wages for expenses these dyas. Sadly, but that's the system for you. Glad we now have an Emergency Relief program for temporary housing and some basic needs. So your stuck with a mortgage on a useless piece of land you can't sell to claim some expense and you cannot rebuild on the site. They have to find a new piece of land and rebuild on the new site hence why Brent increased the minimum fund-raise amount...we can do this!They've done so much for everyone else all of their years.