Over the last month, I have been noticing how insurance is more and more starting to impact our lives. When we first moved to the Valley in the late 1970’s, community groups were able to use the facilities at the high school, by asking. When a group of us wanted to play volley ball in the evenings through the winter, all we had to do was ask the principal and we were allowed to do so.
Our jam plays weekly in the Train Station Lobby, but because of some upcoming construction, we will soon not be able to do so or a while. I was scrambling around to find another place for us to play.
I tried first at the McBride Library, where we used to play when we first formed. I immediately got the impression that that was not going to happen. The reason given was the cost of insurance. I was encouraged to try at the high school. There I was treated more welcomely, I was told I would have to fill out a form, and then I told I would have to get liability insurance coverage for $5 million. Yeah, right.
The McBride Community Forest does have a broad insurance plan, and will often umbrella community organizations to cover activities at the schools, but the facilities at the high school were not very suitable for our jam, so I didn’t pursue getting insurance coverage through the Community Forest. Fortunately the local pub saved the day by offering us the use there building on Tuesdays, when they were not open.
We have been buying house insurance for decades. Having a wood stove had not been a problem. However in 2021, we were required to get our wood stove inspected, which we did. As a result I had to put a metal buffer on the ceiling above the stove to pass the inspection. It seemed pretty useless to put up the buffer, since we had been using the stove for 35 years and there was no evidence that heat on the ceiling above the stove had been hot enough have any visual effect. To get the insurance, I jumped through that hoop, and put up the metal buffer.
Now this year, the house insurance again required me to get another inspection on the stove. I ended up paying $340 to have it inspected, and the results of the inspection was depressing. I was told I now had to have fire proof panels on the sections of any wall or ceiling beyond the brick wall and floor, within 5 feet (1.5 meters) of the stove. I was even supposed to attach a metal buffer on the bottom of the stove even though the floor below it is brick.
The Norwegian stove itself which is made of heavy cast iron and fire brick and was top of the line when I bought it and is still in pristine condition, however, it was made before Canada rated such things, and so it is not “certified,” which causes other problems. I honestly don’t know what to do.
Our house is heated with electric baseboards and the wood stove is used as a back up. We could possibly buy more electric space heaters and put them all around and not use the stove, but because of the remoteness, power outages are common in the Robson Valley, (we had one last night for a couple of hours). During the winter, we must have the wood stove for heat, if the electricity goes off. Electric heaters are useless during a power outage.
Fortunately in Canada we have government universal health care. Yesterday I was talking to my brother, who lives in the States. He had recently lost his job. He is one year away from retiring and could survive a year with savings until his pension kicks in, however, his former employer paid for his family’s medical insurance, and with that soon to be gone, he would have to pay something like $2,000/ month to cover his family’s medical expenses, so he will have to find another job that pays for medical insurance.
I know that because of the massive number of forest fires and floods cause by climate change, for many people who live in threatened areas, the cost of house insurance has become so expensive, it is totally out of reach. In other areas, getting house insurance is now not even available, even if you could afford it.
It is pretty obvious to me that the cost of all kinds of insurance will continue to increase, and there will be more and more requirements created to even get it. One begins to wonder if it will even continue to exist, as more and more people find they can no longer afford it.
View my paintings at: davidmarchant2.ca