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FED REPORT: Make climate change insurance mandatory

Some people have claimed weather disasters in Canada this year — from floods the forest fires — have been caused by climate change.

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Getting climate change insurance could be forced on Canadian homeowners, says a federal report.

“We welcome and support the core findings,” Emergency Preparedness Minister Bill Blair said in a Thursday statement.

Blacklock’s Reporter said the report by the Council of Canadian Academies complained too few property owners at risk of flooding have private insurance.

Canadian insurers first sold overland flood coverage in 2015.

Some people have claimed weather disasters in Canada this year — from floods the forest fires — have been caused by climate change.

“Canada is an outlier among many advanced economies offering some form of nationalized flood insurance,” said the report.

The report questioned payment of federal disaster relief to homeowners who live on flood plains and cannot or will not pay for private insurance.

“Individuals who have reason to expect relief may choose to assume additional risk,” said the report.

The Academies proposed overland flood coverage become mandatory.

“The option to opt-out rather than in to flood insurance could be provided,” said the report.

“Evidence shows people are less likely to opt-out of such an option than they are to accept what is being offered. Multi-year insurance contracts could reduce the likelihood of individuals dropping their coverage.”

“In Canada mortgage lenders already require some form of home insurance,” wrote an expert panel chaired by Scott Vaughan, former federal Commissioner of the Environment.

“In the panel’s view, adjusting these requirements to ensure adequate protections from climate-related hazards is increasingly warranted in the face of mounting disaster risks.

“Means-tested vouchers that help cover the costs of flood insurance, funded from the general tax base, are a promising approach to addressing equity concerns without undermining the price signal of the insurance program. Funding hazard mitigation through grants and loans can also play an important role.”

Blair did not comment specifically on the proposal for mandatory flood coverage. Blair last November 18 said the cabinet was continuing work underway since 2019 on a national flood insurance plan.

“I have had communication with the Insurance Bureau of Canada,” said Blair.

“We are working very closely with them in development of a national flood insurance program for the country. But in the interim, we know there’s important work to be done.”

The IBC in 2019 testimony at the Commons environment committee estimated of about 13 million homeowners nationwide “approximately one million homes or 10% of all residences across the country are at high risk” on flood plains.

Relying on householders at greatest risk to buy private insurance was impractical, testified Craig Stewart, vice-president of the IBC.

“They would drain any insurance pool that you would set up,” he said.

“Other policyholders would essentially be subsidizing them for living there, which is not right. Those people should probably not have been living there in the first place.”

The 2013 Calgary flood saw $1.7 billion in claims, one of the largest insurance claims of its kind, many property owners had inadequate coverage.

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8 Comments

8 Comments

  1. GreatWhite

    January 15, 2022 at 7:05 am

    Another way to fleece our pockets. If you buy/build in a flood plane its your problem, not mine to pay for.

  2. Left Coast

    January 14, 2022 at 5:05 pm

    Climate Change aka Gorebull Warming is still an Unproven Hypothesis.

    Why would you buy insurance for a Myth?
    CO2 cannot warm anything . . . and no one has ever proved it can.

    Wokie Bill Blair was a lousy TO police chief and now he is a lousy MP . . . another dumb idea from one of Justin’s gaggle of fools.

    Whether it’s Forest Fires or Floods it is usually a Failing of the “Political Class” . . . you have to understand folks they are NOT the Best or the Brightest!

  3. Jerry Terpstra

    January 14, 2022 at 1:52 pm

    Amazing. Right now if you buy a home in a flood plain..in a hail area. Etc. You cant get insurance. If you can its prorated so bad that you cant afford it. Put on a tin roof and your insurance rates go up by the kind you put on. Asphalt singles prorated so after the 5th year there is no coverage left.
    But if there is a weather event in an other area. Everyones insurance rates go up to cover the area that was effected.
    Insurance is fear money which has to be paid because the gov says so.

  4. Eldon

    January 14, 2022 at 12:14 pm

    Another ideologcal woke plan from the notoriously incompetent Bill Blair.
    Whoever voted for this clown are themselves missing a few screws.

  5. Leslie Solar

    January 14, 2022 at 11:32 am

    Since the vast majority of residential mortgages are done via CMHC rules, and are insured by CMHC (I think there is now one private-sector insurance company also in this area of insurance) what does CMHC say about any of this?

    Normally, no insurance company insures against natural disasters, because the premiums would have to be very large, while the homeowners risk is very small, that it would make no sense from a business perspective. (So, of course, if private enterprise has concluded it makes no sense, why, lets have the taxpayer step right up!) And people are willing to take risks and do so all the time. I am sure that some insurance company would write a policy protecting me financially if a meteor fell from the sky and injured or killed me while going to the office in the morning. I am not prepared to pay for that insurance, and will happily look upwards once in awhile.

    And BTW, nobody insures against “climate change”. You might insure against flooding. Or earthquake. or sewer backup. but “climate change”??? that tells you all you need to know about his self-important government “committee”.

  6. Private Property is great

    January 14, 2022 at 10:51 am

    The woke religion strikes again.

  7. Bruce

    January 14, 2022 at 10:45 am

    Codswallop from the Liebrals. They never quit

  8. Darlene Belford

    January 14, 2022 at 10:36 am

    To quote: “Other policyholders would essentially be subsidizing them for living there, which is not right. Those people should probably not have been living there in the first place.”

    This is EXACTLY what happened after the major flooding event in Alberta–insurance cost went UP. If our house/property suffers from overland flooding, then pretty much all of central Alberta will be underwater.

    But to be fair, the governments all of us pay taxes to must be responsible and accountable for maintaining & improving infrastructure designed to protect the communities they have not only allowed but encouraged to develop. E.g., think the Fraser Valley and the failure to maintain/improve the dykes in spite of knowing since at least 2014 that they were insufficient.

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Ottawa press gallery discusses letting Chinese propaganda agency in

Xinhua has been accused of misusing press privileges at the direction of Chinese diplomats.

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Officials with the Parliamentary Press Gallery held a behind closed doors meeting on Tuesday to talk about letting reporters from Xinhau, the Chinese Community Party’s propaganda agency, into the club, says Blacklock’s Reporter.

“The gallery is not bound by any outside political considerations,” said gallery president Catherine Levesque of the National Post. 

“We are doing our due diligence to ensure Xinhua meets certain criteria and we will be making a decision shortly.”

Xinhua has been accused of misusing press privileges at the direction of Chinese diplomats.

“Membership in the Parliamentary Press Gallery allows access to the secure physical buildings of the parliamentary precinct and the opportunity to directly question individuals who drive and shape public policy,” gallery directors wrote in a 2020 code Journalistic Principles And Practices.

“As a result, accreditation is a privilege, not a right.”

Xinhua had been a member until 2020 when its press pass lapsed.

The Department of National Defence in 2012 blacklisted the agency from attending its press briefings, and a Xinhua correspondent in 2012 disclosed he was asked to maintain surveillance on Chinese dissidents in Canada.

The gallery would not discuss the Xinhua application but the gallery code states members must “respect the rights of people involved in the news.”

The Commons by a unanimous 266-0 vote last February 22 condemned China for human rights atrocities including the genocide of its Uyghur Muslim community. MPs also voted to petition the International Olympic Committee to relocate the 2022 Winter Games from Beijing.

“We need to move forward, not just as a country but as a world, on recognizing the human rights violations that are going on in China,” Prime Minister Justin Trudeau earlier told reporters.

“This is an issue that matters deeply to me, to all Canadians, and we will continue to work with our partners and allies on taking it seriously.”

Xinhua was originally granted Press Gallery membership in 1964 at the request of then-Foreign Minister Paul Martin Sr.

“It is a step in the direction of mutual understanding between Canada and mainland China,” Martin said at the time. Membership was approved in a press credentials swap that saw the Communist Party permit the Globe & Mail to open a Beijing bureau.

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PHA head says cellphone snooping fears unwarranted

Dr. Harpreet Kochhar said managers at no time collected information that personally identified any of 33 million cellphone users.

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The president of the Public Health Agency (PHA) says Canadians need not fret over the fact his organization snooped on 33 million cellphone users, says Blacklock’s Reporter.

Dr. Harpreet Kochhar said managers at no time collected information that personally identified any of 33 million cellphone users.

“No personal information was asked or was received,” Kochhar told the Commons health committee.

“No individually identifiable data is contained in any part of the work.”

The Commons ethics committee last Friday voted 10-0 to examine the data collection program using cellphone tower tracking. The PHA said it sought the information to monitor compliance with lockdown orders.

“The actual reason why we collected this data is reliable, timely and relevant public health data comes out of it for other policy and decision making,” said Kochhar.

“This is population-level mobility data analysis. This is what we have collected.

“That would help us to understand the possible link between the movement of populations within Canada and the impact on COVID-19. We did that in terms of a very clear way of getting that open and transparent means of collection. We never, ever actually know when we use that information that it is individually identifiable. It is aggregated data.”

MPs on the ethics committee earlier noted cellphone users were never told the PHA was collecting the cellphone tracking data. Conservative MP John Brassard (Barrie-Innisfil, Ont.), noted the scope of the monitoring was only detailed when the Agency issued a December 17 notice to contractors to expand the program.

“It becomes increasingly concerning that government is seemingly using this pandemic as a means and a cause for massive overreach into the privacy rights of Canadians,” said Brassard.

“As parliamentarians, it’s incumbent upon us to make sure we protect those rights, that there is proper scrutiny and oversight.”

“The Public Health Agency was collecting data without the knowledge of Canadians, effectively doing it in secret. We need to know what security measures were in place to protect the privacy rights of Canadians.

“It is vital we do not allow the COVID response to create a permanent backslide of the rights and freedoms of Canadians including their fundamental right to privacy.”

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Health Minister Duclos has no info on $150-million COVID contract to SNC-Lavalin

But testifying at the Commons health committee, Duclos had no answer when asked why the contract was issued.

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SNC-Lavalin was given a $150-million sole-source contract to provide “urgently” needed field hospitals during the COVID-19 pandemic — but Canada’s Health Minister Jean-Yves Duclos doesn’t seem to know much about it, says Blacklock’s Reporter.

The field hospitals were never used.

“This is obviously in support of the needs at the request of provinces and territories,” said Duclos.

But testifying at the Commons health committee, Duclos had no answer when asked why the contract was issued.

“What is the status of the mobile field hospitals SNC-Lavalin was contracted to produce?” asked Conservative MP Shelby Kramp-Neuman (Hastings-Lennox, Ont.).

“It was an example of the significant level of preparation that we did throughout the crisis,” replied Duclos.

“Why have the field hospitals from SNC-Lavalin not been deployed?” asked Kramp-Neuman.

Duclos replied he had no information on “the exact nature of the state of that equipment.”

“Did the Prime Minister’s Office approve of this?” asked MP Kramp-Neuman.

“That’s a public works question,” replied Duclos.

“We’re not getting a lot of clarity here,” said MP Kramp-Neuman, adding: “The buck stops with you. Sadly, I recognize you don’t have all the answers to everything, but it doesn’t seem like we’re getting a lot of answers to anything.”

An unidentified Department of Public Works manager finalized the SNC-Lavalin contract on April 9, 2020 without notice to other bidders.

“A public call for tenders was not issued due to the urgency of the need as a result of the pandemic,” said an internal e-mail.

However, as late as Sep. 9, 2020, the Québec contractor had still not fixed a delivery date, according to staff emails.

Paul Thompson, deputy minister of public works, Tuesday said he knew little of the contract details.

“I personally don’t have all the details at my fingertips,” said Thompson.

SNC-Lavalin was paid to supply field hospitals equipped with 200 hospital beds, ventilators, masks, medical gowns and ten days’ worth of medication, back-up generators, water and oxygen tanks, X-ray machines, shower bays and latrines.

“The self-sufficiency of the unit makes it extremely flexible for deployment where the need is greatest in Canada,” said a memo.

Internal records dated Oct. 13, 2020 disclosed no one wanted the field hospitals.

The department said spending included $2 million for design work and millions more on warehousing medical supplies for presumed future use.

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