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The Monthly Bulletin of the:

TORONTO INSURANCE WOMEN’S

ASSOCIATION

November 2014 www.tiwa.org Page | 1

President’s Letter

November 2014

Snow!! I don’t know about you but I’m just not ready for this yet. Ah

well, this is Canada. Don’t forget to get your snow tires on and drive for

the conditions. Stay safe!

I missed our October meeting due to the fact that I was, on that very day,

becoming a grandmother for the first time. What an amazing experience.

My daughter had a 7 lb 11 oz baby boy! Sephora was kind enough to

stand in for me and, as expected, did an amazing job. Our October meeting was well received with 53

people in attendance. Many were claims professionals due to the fact that Paul Kovacs was speaking on

the subject of how the insurance industry is positioning itself to champion climate resilience. A very hot

topic as severe weather damage is now the leading cause of damage to homes in Canada.

Just a reminder that we are still looking for committee volunteers. We will be providing more

information on this at our November 18th dinner meeting where Committee Chairs will be making brief

presentations on what is involved in participating on a committee.

October has been an emotional month for all of us. With Remembrance Day coming up on November

11th, the recent events in Quebec and Ottawa bring new meaning to our appreciation of those that

commit to defending the freedom we enjoy in our country. Warrant Officer Patrice Vincent and Cpl.

Nathan Cirillo both lost their lives last month in terrorist attacks. On November 11th, please include

these two men and their families in your thoughts during your 2 minutes of silence.

We hope to see you at our next meeting where our speaker will be Glain Roberts, President of the

Executive Round Table, a great fit for our New Members Night as it is mentorship focused.

See you November 18th!

Pam de Boer, FCIP CRM WRT CSP

President

2014-2015


Executive Board 2014 - 2015

Board Member Address Contact Information

Pam de Boer President

Business Development Director (Ontario) Paul Davis Systems Office: 38 Crockford

Blvd Toronto, ON M1R 3C2

Phone: Toll Free 1-800-661-5975 Mobile: 416- 388-3478 [email protected]

Sephora Sciara 1st Vice President

Manager, Casualty CAA Insurance Office: 60 Commerce

Valley Dr E, Thornhill, On L3T 7P9

Phone: 905-771-3205 Email: [email protected]

Vinita Jajware 2nd Vice President

Vice-President, Operations & Business Development Brosz Forensic Services Inc. Office: 64 Bullock Drive

Markham, ON L3P-3P2

Phone: 905-472-6660 Fax: 905-472-6665 Email: [email protected]

Sandra Colantonio Treasurer

Vice President Cornerstone Insurance Brokers Ltd. Office: 8001 Weston

Road Woodbridge, ON L4L 9C8

Phone: 416-798-8001 ext. 358 Fax: 905-264-5161 Email: [email protected]

Megan Stefani Executive Officer

Supervisor of Physical Damage Claims CAA Insurance Office: 60 Commerce


Phone: 905-771-3032 Mobile: 416-825-0164 Fax: 905-771-3006 Email: [email protected]

Sonia Scattarelli Executive Officer

Regional Underwriter, Commercial Insurance Economical Insurance

5700 Yonge St, Ste. 1600 North York, ON M2M 4K2

Phone: 1-844-327-2227 ext. 46967 Email: [email protected]

mailto:[email protected]


Sara Campoli Recording Secretary (Executive & Business Meetings)

Manager, Direct Insurance CAA Insurance Office: 60 Commerce


Phone: 905-771-4796 Ext. 24796 Email: [email protected]

Cheryl Morton CAIW Director

Account Manager CRE Insurance Services Office: 320-500 Hood

Road Markham, ON L3R 9Z3

Phone: 416-441-9386 Mobile: 647-961-0396 Direct Line: 905-415-6127 Fax:905-940-2200 Email: [email protected]

Karen Akeson Parliamentarian

Retired Mobile: 647-865-5345 Email: [email protected]

Betty Hornick Metzler Past President

Team Leader, Product Development Aviva Canada Inc. Office: 2206 Eglinton

Ave East, Scarborough, ON M1L 4S8

Mobile: 416-889-1646 Direct Line: 416-288-5889 Fax: 416-288-9295 Email: bett [email protected]




Have you ever thought about joining a TIWA Committee?

If you’ve ever wanted to learn about what it takes to make TIWA great, join

a Committee!

We have many vacancies on existing committees and our larger

committees require help to keep things going.

Help us keep TIWA running

Contact

Megan Stefani: [email protected]

Sonia Scattarelli: [email protected]

To Volunteer Today!




Restaurant Claims: Recover versus Replace

By Jay Sutherland, President, RELECTRONIC-REMECH Inc.,

On a cold day in March, a restaurant was

serving guests during the dinner rush, and all of the customers were enjoying the great food. Above the kitchen, however, there was something else cooking: an electrical device was overheating and smoldering. When the staff smelled

the smoke and saw burning, the normal dinner hour turned into a fiery spectacle. Emergency crews arrived and quickly contained a fire that had started in the ceiling and spread to a corner of the roof. The restaurant was saved, but the equipment and electronics inside were contaminated. Insurance company representatives, adjusters, loss recovery specialists and contractors arrived at the loss site, and the process of rebuilding a successful business began.

The steps involved in assessing and valuing the building and the equipment in a restaurant claim can be complicated. Many factors can influence the successful recovery of the business. It is imperative that you have a good knowledge of the equipment and an understanding of its value, as the

equipment can quickly add up to the policy limits. It is important to remove the equipment quickly! The proper assessment of the equipment should be completed b o t h o n a n a c t u a l cash value and replacement cost basis, as some equipment may be damaged beyond repair or not worth recovering. A complete inventory will give both the adjuster and the insured all of the options as soon as possible after the loss.

A fire scene is a damaging environment and can be detrimental to this expensive equipment; extended exposure can cause pitting on metal surfaces (even stainless steel), causing permanent damage.

Surprisingly, 80% of the equipment involved in a moderate fire loss can usually be recovered,

resulting in savings of thousands of dollars. Unfortunately, our experience is that many restaurants are underinsured. The building and the equipment limits are factors in these losses; therefore, saving a $6,000 stove or an $18,000 ice cream machine may allow other totally damaged items to be replaced.


In the case described above, physical damage to the exposed equipment, other than soot contamination, was minimal. All the items were inventoried and removed quickly; any irreparably damaged equipment was assessed, and replacement costs were estimated for these items, along with all values for coverages involved. Fixed equipment, such as the walk-in fridges and freezers, exhaust vents and air makeups, were included as building items, as they too were damaged by the fire and water. Most of the gas and electrical equipment was installed according to the code with quick-connects, and were considered contents. Older equipment that had fixed connections to the building was assessed, and was reinstalled afterward with quick-connects to meet the current codes. All equipment owned by others (leased equipment) was inventoried accordingly, as most leases specify that such equipment be insured by the restaurant. This loss involved an extensive amount of electronics: a video arcade, Internet-based jukeboxes, point-of-sale registers, LCD TVs, and DJ and stage equipment, including lighting, were all removed, decontaminated and cleaned extensively. About 80% of this equipment was returned to a pre-loss condition, delivered and then checked for proper operation by the vendors. Our experience shows that purchases and inventory levels can often be recovered from computers. If action is taken quickly and carefully, data can be obtained even from extensively damaged computers, as applying power to a wet or very dirty computer could eliminate the chances of retrieving the critical data required. A knowledgeable technician can often speed up the settlement of a business interruption claim by retrieving important data. Food losses are a certainty in a restaurant fire: due to health codes, all food, even sealed products, has to be disposed of after a fire. The contamination from decaying food can also be very detrimental to equipment: remove this stock and inventory these areas first. The stock inventories for food and liquor are essential, and should be completed as soon as possible after the loss. A professional consultant will prove invaluable in assessing damaged equipment, including determining "like kind and quality" replacement costs and damage analysis. This consultant can also provide project management, working closely with the insured, adjuster and contractor to reduce losses and helping create a win-win situation for all parties involved. The insurer, the insured and the insider's customers all hope to see the restaurant returned to normal as quickly as possible. And because "recovery" falls within the spectrum of "reduce, reuse, recycle," it will create a success story for everyone, including the environment. Jay Sutherland is president of RELECTRONIC-REMECH Inc., an electronic and mechanical loss recovery specialist, serving the industry in Southern Ontario since 1991. Jay and his team have also traveled extensively across Canada to recover telecomm equipment and hospital equipment and to deal with large mechanical losses and restaurant losses. Please visit the new website www.relectronic-

remech.ca or call Jay directly at 1-800-465-9473 for an assessment.

TIWA’s 1st Holiday Marketplace

SAVE THE DATE!

DECEMBER 9, 2014

5:30 – 8:30 p.m.

Hyatt Regency Toronto 370 King Street West, Toronto

In lieu of our traditional holiday party we invite members to partake in a special evening of

shopping and dining. Invite your friends, colleagues, and associates to celebrate the Holiday Season and do a little shopping at the same time.

Additional details will follow in our December 2014 Bulletin.

Do you have a friend, neighbour, or know a retailer who may be interested in

participating in our market?

Retail Space is limited please advise retailers to reserve their table early!

Retail Tables are available for $50.00 each (Dinner is available for retailers at an additional cost)

For more information contact Betty Hornick Metzler at

Email: [email protected] Mobile: 416-889-1646 Direct Line: 416-288-5889



Intact Public Speaking Contest

2015

It’s time to start thinking about our annual Public Speaking Contest. All Associations and their

members are encouraged to participate.

The CAIW Public Speaking Contest is always a highlight of each convention. The speeches

are always great and this year’s topics are ready to go! With lots of variety, we are bound to

have some awesome speeches to look forward to. As your chairperson, I wish to encourage

each Association to submit a competitor and all the best to you ready for this competition.

I am happy to advise that Intact Insurance will continue to sponsor this contest and as it was

announced, the new contest name and continued support of Intact is much appreciated!

Attached are the Topics, Rules and Regulations and the Entry Form.

Entry forms must be returned to me by the deadline March 31, 2015.

Respectfully,

Brenda L. Miller, CAIB CIP

Intact Public Speaking Chairperson


PUBLIC SPEAKING CONTEST 2015 – TOPICS

1. If I/we could change just one thing…

2. Remember when …

3. Fear of the unknown!

4. A world without ….

5. What’s in it for me?

6. Perspectives on the new “Home Equipment Breakdown” coverage

7. Speed – statistically speaking…

8. Earthquakes – Is Canada really at risk and are we prepared?

9. Canada’s new Anti-Spam Law

10. Topic of your choice

Respectfully submitted,

Brenda L. Miller, CAIB, CIP

Intact Public Speaking Contest Chairperson


INTACT PUBLIC SPEAKING CONTEST 2015

RULES AND REGULATIONS

A Public Speaking Contest is held each year at the Annual Meeting. A speaker from each Local

Association is eligible to participate. The winner receives a large plaque engraved with their name to

keep for one (1) year and a small plaque to keep permanently along with a cash award of $500.00.

Second place receives a cash award of $250.00. Third place receives a cash award of $150.00. Every

contestant receives a certificate, stating the year of the contest, name, etc. Intact Insurance sponsors

the contest.

REGULATIONS FOR INTACT PUBLIC SPEAKING CONTEST

The Speakers

1. One representative from each Local Association may participate.

2. The speaker’s topic may be chosen from any of the suggested topics or a topic of their own

choice.

3. The speech shall be of five (5) minutes duration

4. Before the Contest commences, the speakers will draw for order of speeches.

5. Speakers will remain outside the room until it is their turn to speak.

6. The judges will choose a spokesperson to comment on the speeches.

7. The winner is announced during the Saturday evening banquet.

8. The winner of the Public Speaking Contest will be barred from competing until three 3) years

has elapsed.

9. Deadline for entries shall be March 31st

10. Acknowledgement of the entry form shall be forward to the Director by the Public Speaking

Chairman.

11. Chairman to advise the Local Association if submissions were accepted or rejected.


The Timekeeper

1. The timekeeper will be arranged by the Public Speaking Chairman.

2. The timekeeper will be seated where she can be seen clearly by the contestants.

3. The timekeeper will have a copy of the Regulations and know the time allotted for speeches.

4. The timekeeper will have a stopwatch

5. One minute before the end of time allotted each speaker, the timekeeper will stand up and

remain standing until one minute has expired – and then the timekeeper will sit down.

6. For the benefit of the Judges, at the conclusion of each address, the timekeeper will announce

the actual time taken.

The Judges

1. The Host City will provide three (3) bilingual judges, when required.

2. During the speeches, the judges will be seated in different parts of the room and shall not confer

with each other, or with any other person, from the time the Contest starts until the decision has

been announced.

3. Judges will use the Official Worksheet and Ballot of the C.A.I.W.

4. When the judging of each Speaker has been completed, each judge will raise their hand to

notify the Chairman that they are ready to proceed.

5. No speaker shall be penalized for speaking one minute over or under the time allotted.

Excessive overtime or under time, will be penalized by deducting a maximum of five (5)

points for each excessive minute. Deductions shall be made from the “DELIVERY” section.

6. Apparent reading from a prepared text, other than brief statements obtained from authoritative

sources and statistics, will be penalized by deducting points from the “DELIVERY” section at

the discretion of the judges.

7. Each judge shall fill out the Official Worksheet, total the score of each speaker and then,

according to these totals, give their decision by writing the names of first, second, and third

place winners on the Official Ballot.

8. Judges will render independent decisions designating the winning speaker, second and

third place winners

9. The majority opinion of two (2) judges, as to the winner, will determine the result, regardless

of the point totals made by the three (3) judges. In the event of a tie, then the total points of the

tied speakers shall determine the winner. If the points total is also tied, then the speaker with

the highest points for the “DELIVERY” section shall be the winner. DELIVERY comprises

VOICE, PHYSICAL, LANGUAGE and MANNER Sections.

10. A suitable gift will be provided by C.A.I.W. for presentation to each judge.


INSURANCE WOMAN OF THE YEAR AWARD

The Insurance Woman of the Year Award was made available by the Insurance Brokers’ Association of

Ontario from 1967 to 1986. From 1987 to 2008 the award was made available by the Insurance Brokers’

Association of Canada. As of 2009, the award was made available by the Canadian Association of

Insurance Women.

The Insurance Woman of the Year award is the highest honour given. It is not given lightly, not

necessarily given every year and the nominees are not aware they are being nominated. The award

transcends the elected position because it is not necessary to have held office; it speaks to commitment

and involvement.

Each nominee is judged on her dedication to the Association (both CAIW & her local Association), the

insurance industry and the public. Both her Association and her employer, among others, must endorse

the nominee.

One of the most important qualities that the recipient must demonstrate is leadership. It is not

necessary for a nominee to have lead in the past, but who shows leadership qualities going forward.

The following are the rules and regulations governing the Award. Nominations should be sent to Karen

Akeson;

Email: [email protected]

Cell: 647-865-5345

Home: 416-494-1963

Rules - As laid down by the Insurance Brokers Association of Ontario and endorsed by the Canadian

Association of Insurance Women in January 1969 and continued by the Insurance Brokers Association of

Canada in June 1987, revised July 1988 and continued, with some revisions, by the Canadian Association

of Insurance Women in 2009.



I. Nominee must be recommend by a Member Association.

II. Nominee must be an active member of her local Member Association.

III. It is encouraged that the nominees attend the Annual Meeting where all will be judged and the Award made. Exceptions can be made only if circumstances warrant and he Coordinator agrees. If the nominee cannot attend Convention, notification will be given to CAIW Coordinator no later than 2 weeks prior to Convention.

IV. The Nominee will be judged by an impartial panel and the winner chosen for extra-curricular activities above and beyond her call of duty, thus contributing to the Insurance Industry as a whole.

V. The submission usually takes the form of a letter from the Nominee’s own Association and a letter from a business associate, outlining her qualifications and outstanding contributions to Insurance across Canada. Due to the fact that the submission is reviewed by several people at the same time, the Submission must be as follows:

a. Concise.

b. In Chronological order.

c. Listed all positions held within each Association. Please do not assume that the selection committee will know the Internal workings of an individual association. An example would be if the nominee is show as President for 1999, and has served as First Vice President and then as Past President. All positions must be clearly shown.

d. List all positions held within CAIW. Be specific on each position held.

e. Most associations attach duties of the Past Presidents (Nominating Committee, etc.) This too must be shown.

f. List, in the same manner, involvement in any insurance organization, on a voluntary basis.

g. The covering letter should be form the local association, on local association letterhead.

h. The employer’s letter supporting the nomination should follow. The letter should include the best qualities of the nominee leadership abilities, professionalism, caring individual, etc.


i. Testimonials from other interested parties (Institute, Brokers and Insurers) should be included.

j. The CAIW Chair will send a letter to all member associations in October/November asking them to consider nominating one of their members, The Char will send a reminder letter to those associations again before the end of February.

k. The Coordinator gathers the submissions, which are subsequently hand over to the judges at the Annual Meeting. The more information the judges have, the easier it is for them to come to a decision.

l. Because nominations can only be considered for the year in which they are submitted, Local Associations who have an outstanding member whom they wish to support should continue to submit her qualifications for consideration.

m. The panel of judges is made up of past recipients of this Award present at the Annual General Meeting.

n. The submissions are judged according to the scoring system currently in place.

o. This Award is presented at the Banquet, closing the Annual Meeting and consists of a plaque and carrying case to be returned each year. A smaller trophy is to be kept by the winner.

p. The nominations must be received by the CAIW Coordinator no later than March 31st. At the Annual General Meeting, a previous recipient will pick up any submissions, the personal trophy, and arrange for a presenter, if required. The previous year’s recipient is also contacted by the Coordinator and requested to have the plaque and carrying case at the Annual Meeting for presentation to the next winner.

q. Following the selection by the Committee, the presenter is given the winning candidate’s credentials along with an established preamble for the presentation.

r. Arrangements are subsequently made with Canadian Underwriter for an article to be published in the next issue outlining the winning candidate.

s. The winner has the plaque engraved and the bill is sent to CAIW Treasurer for payment.


SAMPLE SUBMISSION FOR INSURANCE WOMAN OF THE YEAR

SAMPLE LETTERS

April 29, 2003

Attn: Felicity Alexander

Insurance Brokers Association of Canada

15 University Avenue, Suite 1920

Toronto, ON M5H 3B7

Re Insurance Women of the Year Award – Jane Doe

Dear Madam,

It is with great enthusiasm that I join with the Local Association of Insurance Women to nominate Jane

Doe for the Insurance woman of the year award.

When I joined Local Association in 1990, Jane Doe held the position of First Vice-President. She is one of

the leaders who showed us younger ones the way to keep our Local Association alive and well. I saw

Jane Doe climb the ladder through various and numerous projects where she remained constantly

dedicated to our Local Association objectives.

As example of her great heart is one of her projects in 1993. She converted our annual Christmas dinner

{a party} into a Charity Auction {an Industry event}, thereby raising funds for two organizations that help

women in need. Since then, our Local Association has contributed funds to these organizations. Jane

Doe did not stop in the Local city, she brought her high level of commitment to the national level and

was elected CAIW in year 2000.

Given her high level of involvement with Local Association and her job, one may have thought she had

her hands full. Not Jane Do. In 1996, after years of work, she became Most Loyal Gander of the

Honourable Order of the Blue Goose International. We are very proud to say that our Jane doe was the

first woman President of the Blue Goose in Canada.

Of course, Jane Doe continued to excel in her job and became co-owner of Smit et Doe, an independent

adjusting firm she co-founded.


Today, her attitude in confronting a personal battle is but an example of Jane Doe’s strong will,

determination and positivity.

I have no doubt that naming her Insurance Woman of the Year will boost the energy of all those who

know her and who strive to follow in her footsteps.

We have enclosed some detailed information about Jane, her commitment to the industry, her peers

and CAIW and, I am sure you will agree a most worthy candidate for this prestigious award.

Yours sincerely,

Past President of Local Association (1994-1995)

Ms. Jane Doe

INDEX (may include)

Various letters from her co-workers

Professional Associations/Charity Work, etc.

Curriculum vitae


April 15, 2003

To Whom It May Concern

Re Jane Doe

This is to gratefully acknowledge the key role of Jane Doe for her ongoing work with the Local

Women’s Insurance Association as well as the Canadian Association for the past 20 years.

In my mind, Jane Doe was one of the most influential womein in {name city} who has worked

and contributed at all levels of Insurance, donating her time and concentrated efforts to bring

the Insurance Women into modern times.

I met Jane Doe some 20 years ago and since then we have gone from coworkers, to friends and

eventually to business partners in our own Insurance Adjusting Company. Without her, we

would not have gotten through hard times.

She is most deserving of the award to bestow on her this year and I wish her all the best and a

long and happy life.

Yours Sincerely,

John Smith

President, Smith & Doe Inc.


TIWA Meeting Schedule

2014-2015 Term

Monthly Dinner Meetings:

Venue Name & Address: The Hyatt Toronto on King

370 King Street West

Time: Cocktails at 5 p.m., dinner at 5:45 p.m.

Meeting Date Guest Speaker Other Activities

November 18, 2014 Glain Roberts-McCabe, President, The

Executive Round Table

New Members Reception

December 9, 2014 Annual Christmas Party Hosted by Past Presidents

January 20, 2015 Eileen Greene, Partner & Vice President Hub/HKMB

February 19, 2015 Wine and Cheese

March 17, 2015 Joanna Makomaski, Vice President ERM Toronto2015 Pan/Parapan Games

Public Speaking Contest

April 21, 2015 To be confirmed. Past President Reception

May 19, 2015 No speaker – Annual General Meeting AGM

Monthly TIWA Executive Meetings

Location: CAA South Central Ontario, 60 Commerce Valley Drive East,

Markham, ON L3T 7P9

November 25, 2014

January 27, 2015

February 24, 2015

March 24, 2015

April 28, 2015


2014-2015 Submission Deadlines

If you have TIWA-Relevant news to share, events to promote – or if you took some great photos at a

TIWA gathering – publish them in TIWA Topics!

Sent your submissions to the Bulletin Chairs with a copy to the President:

Bulletin Co-Chairs Inna Kalinina & Sonia Scattarelli Economical Insurance 5700 Yonge Street, Suite 1600 North York, M2M 4K2 T – Inna: T – Sonia: 416-218-1977 ext. 46967 [email protected]

President Pam de Boer Paul Davis Systems 38 Crockford Blvd. Toronto, M1R 3C2 1-800-661-5975 [email protected]

If possible, please submit your text as Word files and your photos as JPEG files. Here are the submission

deadlines for our upcoming issues.

Issue Submission Deadline

December 2014 Monday, November 24

January 2015 Monday January 6

February 2015 Wednesday, February 4

March 2015 Monday, March 2

April 2015 Monday April 6

May 2015 Monday, May 4

Remember: To keep receiving TIWA Topics, you’ll need to renew your membership (if you haven’t already), and let

the Membership Chairperson know whenever any of your contact details change, so we can keep our database up to

date.



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