Hello,
First I would like to say thank you for visiting this website; your interest in reading our life impacting story, and hopefully soon the stories of other families that were also impacted by the fire incident at 2869 Battleford Road Mississauga on June 5th, 2022 (News Links: CP24 / Toronto Star / CTV News), and how poorly some of the companies involved have handled the situation. Also, we apologize for the length of our story and information, it’s difficult to compress everything that has and is still happening. If you prefer to read a basic summary and the email notice I sent to all parties involved, please CLICK HERE.
If you happen to be one of the families that’s also impacted by this situation, and still struggling emotionally or financially, my heart goes out to you and your family. Please help your family and yourself, letting your voices be heard, by either sending your life impacting story to add to this website, or to assist in spreading the cry for help.
IN AN ATTEMPT TO EASE OUR SORROWS, THIS IS OUR CRY FOR HELP AND ANY GUIDANCE OR LEGAL SUPPORT.
IF YOU CAN ASSIST IN ANY WAY TO SPREAD OUR CRY FOR HELP, IT WOULD BE GREATLY APPRECIATED.
FIRE ALARM FAILURE
On Sunday June 5th, my family (wife, son and family Shih-Poo pet dog) and I were in our home in suite 1413, when around 2 pm we heard fire truck sirens, not thinking it was for us because we didn’t hear any building fire alarm bells. Soon after, a person pounded on our back sliding door and yelled “get out”, and then most likely moved on to the next apartment. Not having much time, we quickly gathered our easily accessible valuables such as money, IDs and jewelry, and then quickly evacuated our apartment.
To date, I’m still unaware why the building fire alarms did not work at all, even though people tried to activate the system, which is disconcerting. Luckily the fire incident occurred when most people were awake, because if it had taken place while most people were sleeping, the situation would have been a lot worse due to the fire alarm’s failure. In an email conversation with the insurance adjusters of my insurance company (Desjardins Insurance), and Morguard insurance company (SCM Insurance Services), it is mentioned that the Morguard apartment complex have done their due diligence in following fire safety procedures by performing scheduled fire alarm tests, but I don’t understand why a fire alarm system in place to protect lives be taken down by a fire. It doesn’t make sense! It’s absurd to even imagine that Mississauga Fire Services don’t enforce a fire alarm backup system, in the event the main fire alarm system to protect lives, fails. It’s normal for companies to have some type of backup system in place, such as to protect their company assets. Don’t lives matter?
THE NEVER-ENDING NIGHTMARE
The complex we live in has triplex apartments, and for over 16 years, we have been renting a ground floor apartment in building 14. The fire started in an apartment in building 15 on the 3rd floor. Our building complex consists of 36 apartments spread across 3 building numbers, building 14 through 16. Even though there was no fire in our apartment, after the fire was extinguished, and to date (July 28, 2022), we have been refused access to our apartment and personal belongings; and because the insurance companies involved have caused many delays, provided a lack of guidance, and handled the situation poorly, our life situation went from bad to worse.
Since this life impacting incident started on June 5th, we are still struggling because it’s still an ongoing process which I call the never-ending nightmare, and the nightmare keeps on getting worse. We do not have control of our personal belongings in suite 1413, and we are not allowed in our apartment due to water damage. We also heard of an asbestos (type 3) situation in our apartment, and because of the frequent delays, we are also faced with a mold (type 3) infestation. At this point, we are not sure what personal belongings are recoverable to the extent of being reusable. To somewhat understand our situation, just imagine one day you lose your home, and everything you own in your home is being controlled by corporate companies, and thereafter, you are at the mercy of these corporate companies in trying to cope with the life impacting situation, and not knowing what personal belongings will be recoverable.
THE EMOTIONAL MISERY THAT FOLLOWS
To be openly honest, going through this life impacting nightmare, I have had miserable thoughts crossing my mind hundreds of times, and the only thing that has given me the strength to continue striving forward, is the belief in my family. I don’t want to be the cause of more suffering for my family. I’m almost out of tears from the amount of crying I have done almost every morning. Making every effort to hide my emotions, it has been most difficult to not cry when either alone or after receiving further bad news.
My wife and I are still struggling emotionally because of all the bad news we continue to hear. I have even noticed our family pet dog, Jackson, becoming a lot less cheerful than he usually is, probably due to the bouncing around from home to home, but most likely because he is sensing our stress and misery. I feel really bad for him because he is already old and has internal physical issues. I’m hoping he lives long enough but without having to live his remaining time in this misery.
For our sons sake, we have been trying really hard not to let the situation impact him much emotionally, by allowing him to stay with friends and family a lot more often than usual, while my wife and I deal with the situation of bouncing around from either Airbnb’s or with family.
I would like to express our thanks to all our families and friends that have provided any support, emotionally or financially, we truly appreciate it. I would also like to express especial gratitude to my wife’s friend Nikki. To help ease our panic and misery, she has helped us a lot, such as helping us with, or finding Airbnb accommodations, in order for us to have some sort of place to temporarily shelter while dealing with this nightmare. Without her support, it’s frightening to think of the position we would be in today.
THE RUN-A-ROUND
Shortly after the disaster, and before we knew of the asbestos situation, our building office told us we would need to locate other accommodations because it could take 3 to 6 months for our apartment to be livable again. To ease our stress, they said we can look forward to coming back to a newly renovated apartment. A few days later, the SCM insurance adjuster arranged a meeting for all the families impacted. In the meeting, we were told of the asbestos and water damage situation, and it could take between 6 months to a year for the apartments to be livable again, and that it would also take approx 2 to 3 weeks to repair the roofs before a contractor can go into any apartment to assess the situation. We were also told they would contact us once a contractor can perform the assessment, and in the meantime we need to contact our individual insurance companies for assistance. My heart goes out to the 9 families that supposedly didn’t have insurance. It’s sad to think about the hardships these families are probably going through.
After the roof was repaired, they withheld that information for quite some time before bringing it to our attention, and for the most part, the amount of information they provided us was very limited. Our insurance adjuster mentioned that, supposedly, since the roof was repaired, she has been having difficulty trying to gather apartment photos and further information from the SCM insurance adjuster, so she can put a plan in place. The situation kept on being delayed.
Please note, we do have fire and water damage insurance but as many families that live in apartments, we only have basic insurance. Not knowing we would be faced with asbestos and mold conditions. We now know the insurance policy we have provides hardly any support for asbestos and mold circumstances. Due to these conditions, we were told by the SCM insurance adjuster, that a specialized company with properly trained staff, are the only ones allowed to enter our apartment to assess and handle the situation.
THE INDIRECT THREAT
Mid-July I became very frustrated from frequently hearing my insurance adjuster saying she is constantly having difficulties in gathering information from their insurance adjusters, and because I felt our situation is being handled poorly, I decided to go to the complex building management office to try to get answers. I spoke to the property manager, telling her of the situation and about their insurance adjusters email of June 29, that said they would provide photos shortly. She said she would make contact to see if she can get answers.
Her contacting the adjusters was helpful, because shortly after my insurance adjuster finally received some photos that were dated June 30. It was upsetting to know these photos were available as early as June 30, but not received until the property manager helped. Days after I received a call from my insurance adjuster, she told me their insurance adjuster said we have 10 days to deal with my personal belongings, otherwise they would be deemed abandoned and they would dispose of them, meaning I would lose everything. It was very upsetting to hear this, knowing they are the cause of all these delays. I viewed this as a form of an indirect threat to me and my family. My insurance adjuster had to immediately begin the process regardless of the limited information she had available.
SOME GLIMMER OF HOPE?
During my conversation with the property manager in mid-July, she gave us further bad news, she told us it would take 1.5 to 2 years before our apartment complex would be livable again. She also told us of 2 other apartments in the complex that will be available around September, and will be offered at the same rate as my current lease. Hearing this gave us some glimmer of hope, but I was also told if I was interested in renting any of these apartments, I would need to give up our current apartment by signing an N11 form to terminate the tenancy agreement for apartment 1413. Upon hearing this, the thought crossed my mind, that by signing the N11 form, we will no longer have the hope of moving back to a newly restored apartment.
After some thought, and knowing of the out-of-control rent increases and costs caused by the pandemic situation and inflation, and not wanting to put my family through the continued struggles of bouncing from home to home and other life impacting situations, we made the decision to proceed with the process in moving to a different apartment in the complex in mid-September. Currently, this decision seems to be the better choice for my family, but the thought of possibly moving to another apartment with asbestos within the ceilings building material is a little frightening. But I heard, as long as the asbestos is not disturbed, the apartment is safe and livable.
RECOVERY TERROR
Around July 27, my insurance adjuster told us as of July 25th, a specialized company (Paul Davis) had started assessing and will be handling the situation. When my wife and I heard of Paul Davis, and based on the photos received mid-July dated June 30, we assumed that most of our belongings would be recoverable and only required cleaning to remove the asbestos, and also that the cleaning limitation is based on our insurance coverage.
Paul Davis contacted us multiple times to discuss the situation further. At first, due to our limited insurance coverage, and having been informed about the type 3 asbestos and mold conditions together with the cost of recovery and cleaning, Paul Davis asked to provide a list of our belongings that are sentimental or essential, so they can begin the process of determining what’s recoverable. Hearing that most of our personal belongings might not be recoverable due to the conditions and costs involved, made me lose hope. This was a most miserable and stressful time; and I was worried for my family, afraid of having a heart attack due to panic and highly elevated stress levels. I suspect that due to our response, stating that most of our belongings are essential, we were told that a Paul Davis field manager would contact us to discuss this further.
GRASPING FOR HOPE
On the same day, a mitigation field manager contacted us and said she would email us an updated and detailed set of photos of the current condition of our apartment, and that we can use these photos as references, to create a list of our belongings we want them to recover and clean from the apartment. She also mentioned that most, if not all of our furniture are non-recoverable due to type 3 mold. She then told us to email her a list of our belongings that we would like them to remove from our apartment.
Once we received the photos, it was so depressing to see how much worse the conditions had become since the first set of photos. Because it was so disheartening to see the current conditions in the photos, my wife alone, while grasping for hope, went through all the photos to create a list of our belongings she would like to try to recover. The day after we received the photos, the list was emailed to the Paul Davis mitigation field manager, and due to the size of the list, she wanted to discuss the list further with her project manager. On July 29, she told us they had removed almost all of the items on our list, and that our belongings were currently located in their storage containers, and that they will hold off the cleaning and wait for further instructions from my insurance company. In the meantime, while waiting, and being afraid of the outcome, I made the decision to write this story with the hope of voicing our cry for help.
OUR CRY FOR HELP
We are not asking for financial support from other families, because usually the people that do help don’t have much or are struggling themselves. We don’t want to be a cause of someone struggling just to ease our struggles. We are simply asking for assistance in spreading this cry for help, or any guidance or legal support to help us through these difficult times.
IF YOU HAVE THE CAPABILITIES AND KNOW-HOW TO COORDINATE A CHARITY FOR
OTHER TENANTS THAT ARE STILL STRUGGLING FROM THIS LIFE IMPACTING SITUATION,
PLEASE CONTACT ME TO DISCUSS FURTHER.
Thank you for your time and support, Claudio and family.
August 5, 2022: We’re still very afraid of the outcome due to all the delays, lack of information, and constant struggles in receiving valuable information or questions answered. It’s my birthday today and this will definitely be a miserable birthday I will never forget.
August 12, 2022: I recently received a document from Paul Davis in regards to disposing the unsalvageable content remaining in apartment 1413 which they want me to sign. Trying to understand the legality of this document, it appears by signing this document, gives Paul Davis authorization to proceed and I will be held accountable for all costs involved. I refuse to sign this document because I have not received any estimates nor outstanding costs, and afraid to sign anything with the lack of knowledge or information needed to make any important decisions. It seems Paul Davis has now joined the group of companies causing me and my family further challenges and misery. I don’t understand why the cost of disposing the unsalvageable content in apartment 1413 will go against my limited insurance coverage. SCM insurance should be held accountable for this cost considering we did not cause the fire, nor aware of any asbestos conditions prior to the fire.
August 16, 2022: I sent an email to the insurance companies and Paul Davis, stating that I refuse to sign the document that Paul Davis sent because it’s confusing and I’m afraid of the implications by signing it. I also asked if we can please continue discussing the situation further so I’m aware of my options, and hope we can proceed with positive intensions and not forced to reach out to the public to seek guidance or support.
August 17, 2022: Another in direct threat from SCM insurance. SCM insurance adjuster sent an email to my insurance adjuster stating that the remaining contents in apartment 1413 must be removed by the end of the week. SCM insurance has also stated that if this is not done promptly, any increased costs for repairs due to a delay, this expense will be passed along to my insurance company, thus most likely against my limited insurance coverage. It’s so frustrating to hear they are giving us very little time, considering they put us in this position with all the delays they have originally caused us.
August 18, 2022: I’ve been trying to communicate verbally with insurance adjusters and the Paul Davis project manager with little success in gaining further clarity. It’s been most difficult trying to make contact with the Paul Davis project manager for this site, Darin. To date, even after leaving numerous voice mails and sent a few emails, I have not received a response from him. I don’t know what he sounds like and starting to doubt if this person even exists. When will I get the proper information I need in hopes to end this nightmare!
August 26, 2022: I received a new document from Paul Davis which they want me to sign. This document is more understandable as it simply states I give them authorization to dispose the remaining content in apartment 1413. I still do not know of any Paul Davis costs, but forced in a corner to sign this document because the insurance adjusters and Paul Davis have put me in this vulnerable position, therefore I had no choice but to sign this document because I was afraid what will happen shortly if I did not.
August 27, 2022: Received an email from my insurance adjuster stating, “As per our conversations, you are now out of time. Please make the decisions required related to your contents otherwise, they will be disposed of as per the letter attached.”. I responded by saying I already signed the Paul Davis document because I was put in a position in having no choice otherwise I would be responsible for unknown costs. I’m at a point where I feel I’m being bullied.
September 2, 2022: Sent an email to the Paul Davis project coordinator that sent me the authorization to dispose document to sign, in hopes to receive an update. I’m afraid they will cause further delays, making my situation worse.
September 6, 2022 (1): Finally received a response from the Paul Davis project coordinator, stating she spoke to my insurance adjuster, and that all remaining unsalvageable contents are being removed and disposed of today. She also said, “The contents that we were able to salvage have been sitting in storage and have not been cleaned as this is coming out of your policy limits. Please confirm you wish for us to proceed with cleaning. If not, please advise what you would like us to do with these contents. Do you want them returned unclean, which we do not recommend. As they have been sitting for some time, it may be possible that some of the items cannot be salvaged now even with cleaning. Due to your policy limits, please advise how you wish us to proceed.”
September 6, 2022 (2): It’s frightening to hear that some of our salvageable content they currently have in their storage container, might now be unsalvageable. Once again, due to all the continued delays from them not answering my questions nor provide information I need to make decisions, is making our situation worse. I’m afraid it’s worse then what they make it appear. I replied to the Paul Davis project coordinator, pretty well begging for further information, estimates and costs to clean, because we definitely want our contents cleaned and returned safely, but need further information to realize what we can afford.
September 7, 2022 (1): I received an unpleasant email from my insurance adjuster, making it appear the fault is mine for all these delays. The most unpleasant comment was her saying, “The costs and outcome of the contents are and will remain an unknown until we take action to get the task completed.”. In other words, I won’t know anything until it’s too late. Really! Who in their right mind would want service, not knowing the quality of service, and how much it’s going to cost, until the service has been completed? Don’t they care our lives have been drastically impacted already!
September 7, 2022 (1): Received an email from the Paul Davis project coordinator stating, “Unit 1413 is now complete/empty. The salvageable contents remain at our Halton shop. Please advise how you would like to proceed.”. I don’t understand why my question asking for estimates and costs is always ignored. This was so upsetting, I wrote a lengthy email to my insurance adjuster and Paul Davis, with comments such as, “Over the past 3+ months, I have tried many times contacting many people with little success or long delays in receiving a response. The situation has been unnecessarily delayed and whenever I did receive a response, it appears I’m accused of the reason for these delays. Enough already with this bullying and lack of attention. I’m already stressed enough, why add to it, does it make you feel good?”. I also mentioned once again we do want our contents cleaned but need to know what it will cost.
September 7, 2022 (2): Received another frustrating email from the Paul Davis project coordinator, stating “We can have your contents delivered to you uncleaned, if you sign the attached document. Confirming you are aware of the potential presence of ACM on your contents. You are aware that the contents have not been tested, given the state of the ACM in the building materials it is likely the contents are contaminated.”. This is so frustrating, I’m beginning to occasionally feel like throwing up. Once again, I replied by saying we want our contents cleaned, and have left many voice mails and sent many emails, asking for information and estimates, in order to know our options and discuss with our insurance adjuster. I then shortly after received a response, stating “We are working on getting an amount for you. The crew was out today and will be back tomorrow. I will get back to you.”. Is this a little glimmer of hope again?
September 8, 2022 (1): Next week we will move to the other apartment, and because I now know of the apartment asbestos situation, the life impacting outcome if something was to happen, and being afraid of going through this all over again, I have made the decision to increase our home insurance coverage 5 times.
September 8, 2022 (2): Received an email from the Paul Davis project coordinator stating, “We are awaiting a response from your insurance company. We have spoken with Jennifer and we have left a voicemail for the supervisor, Kimberly. You should be receiving a call from Kimberly. We need to wait until we hear back to move forward.”. This email is making me very nervous, not understanding why it seems they continue to most times exclude me from their conversations, but still expect me to make important decisions.
September 14, 2022 (1): Since September 8th, we have not received any response from the Desjardins Insurance supervisor, Kimberly. In the meantime, to distract our minds from all the misery, we have been very busy preparing for the move to the other apartment. We are at least looking forward to being in our own space we can call home.
September 14, 2022 (2): Received another frustrating email from our insurance adjuster, stating “I have asked Darin and Giulia to make contact with you to have the contents picked up/dropped off ASAP with the possession of the new unit taking place 09/15. We are approaching the maximum cost for your content limit and debris removal coverage in place so the contents need to be returned to you within the next couple days. Please make arrangements to pick up or be available to receive the drop off of the contents with Giulia. Giulia has been asked to work with you to complete the same actions required.”. What! They have consumed most of my insurance coverage without cleaning any of our contents and want to hand it back to us in dangerous conditions. This is so unfair and inhuman business practices. I’m starting to believe Paul Davis are like vultures, to easily profit from the vulnerable.
September 14, 2022 (3): Received again an email from the Paul Davis project coordinator, stating “Please see the attached form (Asbestos Containing Material Release), this needs to be signed prior to contents being dropped off to you.”. I’m so tired of them making me go around in circles, they are making my head spin. Therefore, I have decided to focus more on the move tomorrow to try to distract myself from the continuous emotional distress they are causing.
September 15, 2022: Finally in our new apartment, but sad to see how empty it is, hoping one day we would receive back our recovered personal belongings in safe conditions, currently held at the Paul Davis Halton storage facility. Is this too much to ask? To date, I still have not received any estimates from Paul Davis.
September 19, 2022: Our insurance adjuster is now asking me for a copy of the apartment 1413 lease agreement, and proof of payments for accommodations since the fire incident. I’m trying to figure out why the change of direction and why I have not yet heard from the Desjardins Insurance supervisor, Kimberly.
September 20, 2022: Received another email from our insurance adjuster, stating “To provide an update for the ongoing on our end. I have requested a file review for your claim. In the meantime, our appraisal department is currently working with Paul Davis Systems related to the costs they are attempting to invoice/bill for related to work performed. In the meantime, I am starting to collect the details related to the additional living costs and will await the invoices to complete the calculations.”. I’m very concerned of the discussion between my insurance adjuster and Paul Davis on September 8th, not knowing what information they might of held from me. I have so many thoughts rapidly running through my mind.
September 27, 2022: I can’t believe I received an invitation from Desjardins Insurance to take a survey and rate the level of satisfaction with their services. I will perform this survey at a later date.
October 5, 2022: It has been challenging but finally fulfilled our insurance adjuster’s expectations with providing invoices and details related to the additional living costs since the fire incident.
October 6, 2022: I can’t believe I received pretty well the same frustrating email from Paul Davis, stating “As per your policy limits, all your stuff is being held in a POD as it at our Halton location. Please be advised that the contents have not been cleaned and you will require a mask and gloves. You will also need to sign the attached liability form. Please provide a few dates/times so we can make arrangements for crew members to help you with the process. We will dispose of anything you don’t want to keep.”. I now strongly believe Paul Davis has realized they pretty much consumed most of my insurance coverage already, therefore want me to sign their Asbestos Containing Material Release form, to no longer be responsible, and to focus on the next vulnerable family.
October 14, 2022 (1): I received an email from my insurance adjuster, and can’t believe it took this long to actually hear some costs behind Paul Davis services. It was very upsetting to hear what I assumed, that Paul Davis has consumed most of my insurance coverage through site visits and the movement of my contaminated contents. I still don’t know how much it would cost to clean my contents and Paul Davis won’t tell me. I’m now assuming since they have caused so many delays, most, or if not all of my contents cannot be cleaned due to the current contaminated conditions of my content have become a lot worse.
October 14, 2022 (2): My insurance adjuster called me to discuss the situation further verbally. She mentioned that the original cost from Paul Davis was higher and that they negotiated with Paul Davis to reduce the cost. She also told me that Desjardins Insurance will no longer pay for the cost of my content held by Paul Davis after October 31st, and then after I will have to deal with Paul Davis myself. Hearing this made me extremely upset, telling her that she forced Paul Davis onto me, and that I never even heard of Paul Davis prior to the fire incident, and that she proceeded with their services without the knowledge of Paul Davis costs, and this is unacceptable. I also said it’s not right for Paul Davis to bill for storage fees, considering I’ve been having difficulties in getting answers from them since they held my contents, which caused all these delays to date.
October 14, 2022 (3): In the end, the way I see it, and sad to know, my family would of been better off if all our content in apartment 1413 burned away. If this was the case, we would of most likely received the whole insurance coverage and use the funds to rebuild. Since this was not the case, Paul Davis had the opportunity to consume most of our limited insurance coverage through site visits and moving contaminated content around, resulting in us most likely losing all of our content, and only receiving a small fraction of the remaining insurance coverage.
October 14, 2022 (4): I’m so stressed, miserable, disappointed, and angry at the same time. I’m trying very hard to focus on my anger emotions in order to have enough motivation to proceed forward with making this story public, and in hopes to join together with other families that have been bullied or taken advantage of from these corporate companies. Due to my emotional distress, it has been very challenging to think positive and keep motivated. Our misery is frequently overpowering all other emotions. I keeping thinking to myself, how much can a person take, before being pushed to a point in doing something stupid or something they will regret.
October 21, 2022: It’s been a struggle emotionally but finally completed updating this website to begin seeking help publicly. I also completed and sent an email notice to all parties involved from Morguard, SCM Insurance, Desjardins Insurance and Paul Davis. The email is basically a summary of what has happened since the fire incident. If you would like to read it, please CLICK HERE. Thank you.
November 15, 2022: Hello everyone, sorry for the lack of updates. With work getting real busy shortly after I last updated, and due to many things have happened with the companies/parties involved since I last updated, most for the better, and because I have had a flu the last 2 weeks, it’s been very challenging trying to get things done. The flu sinuses are finally almost gone thanks to Sinutab. I will soon provide updates with details on what has happened since I last updated, but in the meantime, I would like to thank everyone that has helped in any way, it is very much appreciated. I would also like to express especial gratitude to Elsa, it was because of her I was a celebrity on the Monday night Nov 7 CityTv news. :) Please visit the below social sites. Thank you.
I would like to stress to tenants that are aware of any traces of asbestos within the walls of their apartment, that they look into enough insurance coverage to handle the situation of asbestos becoming exposed. If a simple incident such as a water pipe bursting causes the asbestos to become exposed, please understand most likely your home will be considered unlivable. Therefore you will no longer have control of your home or personal belongings. I was told by my insurance adjuster that insurance companies do not have a policy in place to protect from asbestos infestations, but to protect yourself, you might have the option to have enough coverage to handle some asbestos situations.
Please understand, once asbestos has been disturbed in a home, safety measures are in place that only allow specialized companies such as Paul Davis, to properly assess the situation, and discuss what is recoverable, and then remove it themselves. Before these specialized companies can hand over any recovered personal belongings, they need to properly clean it to remove the asbestos. I was told this is a costly process, which can be paid through your insurance coverage, but if you do not have enough insurance coverage for it to be paid fully, you will need to pay using your personal money in order to clean the asbestos to recover your remaining belongings. If you do not have the insurance coverage to pay for the asbestos cleaning, you might have the option to sign a waiver for them to release your recovered belongings to you without it being cleaned, so you can clean it yourself. But please understand, this is a serious health risk for you and your family if not handled and cleaned properly.
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