It was the worst of times for us all. The May 21, 2022, derecho struck Uxbridge, Ont., from the Sixth Concession through the west end of town, across the railway yards, devastating homes, downtown apartments, Second Wedge Brewery and Trinity United Church among many places.

Power was out for days, phone service spotty, and just the goodwill of neighbours got us through. With our garage gone and my car crushed, I turned to my insurers, who told me my car was a write-off. They offered me a cash settlement for the wreck. I agreed. Then, the agent read me the fine print of my policy over the phone.

“The car rental clause (promising six weeks of rental,)” she said, “since you’ve agreed to the sale of your (written-off) car, it ends today.”

In effect, they had terminated my coverage seven days after the storm. (more…)