HOLIDAY BREAK: The ChAD offices will be closed from December 25, 2023 to January 2, 2024.

Emergency assistance for technical issues related to the ChAD Portal (including ÉduChAD) will be available on December 27, 28 and 29 and January 2, 2024 from 8 a.m. to 4:30 p.m.

During this period, you can contact SVI Solutions at 1-866-843-4848 #1 or for the following problems:

  • Problem logging in to the ChAD Portal (which includes ÉduChAD).
  • Technical problem viewing and completing a training course.

To know more (in french only).


Sorry, but nothing corresponds your search criteria. Try again with different keywords.

Go to content

Look Before You Leap or Face Disciplinary Sanctions

Publication date: September 30, 2011 | Last update: April 27, 2020
Targeted audience

This summary does not constitute a legal opinion. The information it contains may not reflect the current state of the law.

The insured is the owner-occupant of a duplex. She lives in one flat and rents rooms in the other to students. Upon returning from a week-long Christmas vacation, she sees that major water damage has occurred in the upstairs flat, which had also been empty during her absence.

One month after filing her claim with the insurer, the insured hires a public claims adjuster to assess damages to the building and quickly settle this part of the claim with the insurer’s claims adjuster. The adjuster hired by the insured then attends to assessing her “personal property” and “rental income” losses.

When it comes time to finalize the rental income loss, he informs the insured by e-mail that he is reducing the payment by seven weeks since she had engaged the services of a public adjuster and this had delayed the settlement.