Insurance Without Accountability is No Insurance at All

This petition had 96 supporters

The Issue

Imagine paying insurance premiums for 15 years — only to be ignored and threatened for more than 1,300 days after disaster strikes. If this can happen to my family, it can happen to yours. Even worse, the regulators we fund with our own tax dollars have — so far — failed to act.

Wawanesa advertises itself as fair, transparent, and consumer-focused. Our experience has been the opposite. We have over 20 documented examples of bad faith conduct (see my public documentation), but here are four highlights:

After 6 months of denials, Wawanesa admitted coverage but still refuses to pay for damages caused by their delay.
→ This may breach the Alberta Insurance Act §509(1)(c) and the Fair Practices Regulation §4, which require claims to be handled promptly and fairly. Continued silence on delay-related damages may breach Alberta law. (Alberta Superintendent of Insurance — ABS)
They’ve withheld cause-of-loss reports for over three years.
→ This may breach the Financial Consumer Agency of Canada’s (FCAC) guidance on fair treatment of consumers, which requires clear and timely disclosure. Withholding documents for years while families wait is an unfair practice. (FCAC)
On June 13, 2025, a claims supervisor with no prior role accessed my file, cited my social media, issued legal threats, then disappeared — 18 emails later, still no response.
→ This appears inconsistent with Wawanesa’s own Privacy Policy and may breach Alberta’s PIPA §24, which requires timely access to personal information. Prolonged silence after repeated requests may breach privacy obligations. (OIPC)
A senior Wawanesa representative used the “CRM” designation, which RIMS confirmed he never held. Wawanesa has refused to correct or explain this false credential.
→ This raises concerns under the Competition Act §52, which prohibits materially false or misleading representations. Failure to promptly correct a false designation misleads the public. (Competition Bureau)
 
Why this matters

We had coverage with Wawanesa for 15 years and they seemed fine — until we needed them. If insurers can ignore families for years and regulators — paid for with our tax dollars — fail to act, what protection do any of us really have?

 
We demand:

Wawanesa comply with the Insurance Act, privacy laws, and industry guidelines — and respond to consumer concerns.
Wawanesa admit and correct false communications and credentials.
Provide required documentation, including cause-of-loss reports and a Final Position Letter, without delay.
Regulators (ABS, FCAC, OIPC, Competition Bureau) must enforce their mandates so insurers don’t act like they’re above the law.
 
This isn’t just about my family — it’s about protecting every Canadian who pays for insurance but gets nothing when they need it.

👉 Sign, share, and tag 3 friends. Together, we can send a clear message: silence is not an option when families are left without homes, answers, or justice.

Note on Privacy and Verification

This petition is based on a documented, ongoing case with Wawanesa Insurance. Full claim details have already been provided directly to regulators. Identifying numbers are withheld here to protect personal privacy, but verification can be provided upon request.

The Decision Makers

Competition Bureau (Canada)
Competition Bureau (Canada)
Financial Consumer Agency of Canada
Financial Consumer Agency of Canada

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