
27. Emond – Interpreting Insurance Contracts
When does a “guaranteed rebuilding cost” endorsement actually cover the added costs of rebuilding after a loss? In Emond v. Trillium Mutual Insurance Co., the Supreme Court of Canada considered how standard form insurance policies should be interpreted when coverage extensions appear to conflict with policy exclusions. Adam Goldenberg speaks with McCarthy Tétrault litigator Akiva Stern about the Court’s decision, how it applies the framework from Ledcor, and what it means for insurers and policyholders across Canada.





