She has been paying lawyers to help her with the claim, which she said has cost her about $70,000 over the last two years.
In the meantime, she bought property two doors down from her old house and put a prefabricated home there.
She says the money for living expenses from the insurance company ran out, and her family has been paying additional expenses out of pocket.
Now they’re paying for a second mortgage on top of almost $5,000 a month for the first mortgage.
The insurance industry is going to be here until the very last claim is closed in Fort McMurray.– Rob de Pruis, Insurance Bureau of Canada
She would like to see the Insurance Act changed so that companies have to pay additional living expenses for lengthy cases such as hers.
“The Insurance Act seems to work for the insurance company, and when it comes to the consumer there are so many loopholes that the insurance companies can, in a sense, bully the hardworking Canadians.”
At this point, she said, her payout should be higher than the cost of the rebuild, because of the additional money they’ve spent.
The provincial and federal governments should make changes to insurance regulations that benefit consumers, she said
Harpe said the claim has taken a toll on her mental health.
“You still have to work. And you still have to live your day-to-day life. And in the meantime … you’re always worried about what’s happening with the rebuild.”
Less than 1% of claims unresolved
The Fort McMurray wildfire was the most expensive insured disaster in Canadian history.
Rob de Pruis, director of consumer and industry relations for the western arm of the Insurance Bureau of Canada, said more than 60,000 insurance claims were opened after the fire.
He said less than one per cent of those files remain open, and those are typically the complicated files, or ones where the company and homeowner couldn’t come to an agreement.
An aerial photo of Harpe’s home before it burned down. She says it shouldn’t take three years to get an insurance settlement. (Submitted by Jaime Harpe)
De Pruis said in most cases when the claim is drawn out, it’s because of misunderstandings or poor communication between the company and the homeowner.
There are options for the homeowner to pursue if an agreement can’t be reached: the company’s internal ombudsman or an independent company called the General Insurance Organization.
They can facilitate conversations between the two parties.
There is also a formal dispute resolution process, which is the route Harpe is taking. This is a facilitated discussion with representatives and specific timelines.
As a last resort, De Pruis said, the claim could go to court.
“The insurance industry is going to be here until the very last claim is closed in Fort McMurray,” he said.
De Pruis said the IBC is available to help anyone who is struggling with an insurance claim.