Hello Everyone,

It is very important that everyone involved from Morguard, SCM Insurance, Desjardins Insurance and Paul Davis read this email in full.

Since the fire incident on June 5th, the process in dealing with the involved insurance companies and Paul Davis has been a combination of over 4 and half months of emotional distress, misery and frustration.

At the start, SCM insurance adjusters contributed to some difficulties and delays while my insurance adjuster was trying to assess our apartment situation. Then after, when the SCM insurance adjusters felt they provided enough information for assessment, they began to pressure my insurance adjuster with dates to remove our content, and because of this, my insurance adjuster decided to use Paul Davis services even without the knowledge of Paul Davis costs, because it was the easiest choice since Paul Davis was already on site. I don’t understand why my insurance adjuster didn’t receive estimates from a few companies, or at least a formal estimate from Paul Davis prior to using their services, regardless of the SCM insurance pressured dates. It’s normal business to receive estimates prior to using any service, regardless of the situation.

Then after, communicating with my insurance adjuster has been a repetitive and frustrating experience. I have explained myself repeatedly, and because I was not aware of the process or procedures, I many times begged for guidance. Even though I attempted to gather information about Paul Davis, my insurance adjuster choose Paul Davis and basically indicated I had no choice but to work with Paul Davis.

At first Paul Davis was helpful, providing photos and asking for a list of content to transfer to their storage facility. Once they had the information and authorization they needed, it was impossible or very difficult to receive a response or have questions answered. On a side note, in regards to Paul Davis costs to dispose the unsalvageable contents in apartment 1413, I should not be held accountable for this cost since I was not aware of the asbestos conditions in apartment 1413 prior to the fire incident. I strongly believe SCM insurance at least should be held responsible for this cost.

While trying to communicate with Paul Davis ever since they held my content, many of the discussions would consistently go in circles, being asked numerous times to sign an “asbestos containing material release” waiver form, especially after consistently asking Paul Davis for an estimate to clean and remove the contamination from our content. Even though they originally stated a month and a half ago, it is not recommended to return our content uncleaned, and even though the waiver states “Returning the contents uncleaned is against our recommendation.”, they consistently ask me to sign this waiver in order to proceed with returning our content, which is very concerning to hear. I thought one of the main reasons why the insurance companies and Paul Davis was and has been involved, is to help families in need, but going through this experience has made us realize that some can act so inhuman, taking advantage of the vulnerable for their own benefit.

To be honest, with Paul Davis being involved with our situation, we frequently question Paul Davis reasons and purpose. In order for us to accept our insurance adjuster decision to use Paul Davis services, originally our insurance adjuster told us with our insurance coverage, Paul Davis will remove and store our recoverable content, then clean it to remove the contamination, and deliver it to us, but this is far from what has actually happened. Currently Paul Davis has our recovered content in their Halton Hills storage facility, our content is still contaminated, they have consumed a large portion of our insurance coverage through supposedly site visits and movement of the contaminated contents, we have never received any estimates from Paul Davis to clean our content, we supposedly have and might continuously be charged for storage fees even though they are the reasons for many of delays by ignoring us or our questions, and they consistently email us the “asbestos containing material release” waiver form to sign so they can return our content with asbestos (type 3) and mold (type 3) contamination.

At this point, it’s sad to think and strongly believe, it would of been better for us if all our content burned away in the fire, because if so, we might of received most or if not all of our insurance coverage limit to use to replace our life necessities, such as kitchen items, clothing, etc. At this point, we strongly feel the insurance companies and Paul Davis has made our situation unnecessarily far worse than the families that lived on the 3rd floor, whom had insurance coverage, and has had their apartment and contents completely destroyed by the fire.

After my insurance adjuster contacted me on Friday October 12th, stating that Desjardins Insurance will no longer deal with Paul Davis after October 31st, and that we will solely be responsible to deal with Paul Davis, in other words, without choice, we are stuck in dealing with Paul Davis whom was forced upon us, I feel we have no choice but to go public with our story, in hopes to seek support from people with the knowledge or experience in dealing with situations like ours. Therefore, since Friday October 12th, on top of normal life responsibilities, I have been preparing to go public, such as updating my PleaseHelpUs.ca website. At this point, I will begin and continuously move forward with my tactics and strategies to spread our story and cry for help.

Regards, Claudio and family.

UPDATES

Oct 22, 2022: We received our first reply from one of the involved parties. Due to confidentiality, I can not post their email, but you can see my reply by going to:
https://pleasehelpus.ca/email-conversation-2022-10-22/

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