georgian bay chapter december 2016 · georgian bay chapter 1 december 2016 ... on ice 12:30 -...

GEORGIAN BAY CHAPTER

DECEMBER 2016

1GEORGIAN BAY CHAPTERwww.oiaagb.com

December 2016Issue#13

President’s Message...............................................3

WHAT’S HAPPENING! ...............................................5

SAVE THE DATE.........................................................7

The History of Christmas Trees (article) .................8

Time Off for the Holiday Season (article)..............9

Limitation Period (article) ....................................10

2016 Christmas Party (pictorial) .....................12,13

WANTED!!!..............................................................14

Monthly Meeting (advertisment) ........................15

December Fun Facts (fun trivia) .........................16

Did You Know December (fun trivia)...................17

WISTA (article) .................................................18,19

December Recipies..............................................20

Surveillance Tells the True Story (article) ........24,25

Word Jumble and Word Search ..........................24

Answers to Word Jumble and Word Search........32

We have hidden a picture of our president and its somewhere in the OIAA Georgian Bay Chapter Newsletter.It could be anywhere or any size, lurking in a photo or hiding in a headline (but it’s not the one on the president message page)! We will hide one in every issue for the 2015-2016 term.

How to enterOnce you spot on OIAA Georgian Bay Chapter president, email Newsletter committee Pete Carver [email protected] & Helene Towsley [email protected] and tell us where you have spotted “the president”. Your name will go into a monthly draw. You must be present at the monthly meeting in order to redeem your prize.

Prizes$25 Gift Certificate will be given away during the next monthly meeting.

Here is what she looks like!

Can you find her?

Take our OIAA Georgian Bay President Challenge and WIN!$1

057.

50RA

ISED

SIN

CE

OC

TOBE

R 15

, 201

5

Table of Contents



2 GEORGIAN BAY CHAPTERwww.oiaagb.com


PRESIDENTLeslie Guerette (705) 728-8398Cunningham Lindsey [email protected]

VICE PRESIDENTSheri Turner (705) 719-7983Doerr Claims Services [email protected]

SECRETARYLynn Dawson (705) 739-7700 x 238The Co-operators Insurance [email protected]

TREASURERJoe Cummings (705) 712-1503The Co-operators Insurance [email protected]

DIRECTORSBarb Bolduc (705) 428-6697RSA Canada [email protected]

Helene Towsley (905) 507-5828Coseco Insurance [email protected]

Linda Thompson (705) 238-5854GR South & Associates [email protected]

CHAPTER DELEGATEGreg Doerr (705) 719-7983Doerr Claims Services [email protected]

SOCIAL DIRECTORSKristin Dusome (705) 549-9994Winmar Property Restoration [email protected] Graveson (705) 739-8996Winmar Property Restoration [email protected] Rennie (705) 792-6000Royston Restorations [email protected] Ross (647) 289-7354Larrek [email protected] Walker (705) 325-5746R&F Construction—DKI [email protected] Henderson (416) 491-2525Arcon Forensic Engineer [email protected]

PAST PRESIDENTDorothy Pauze (705) 712-1526The Co-operators Insurance [email protected]

NEWSLETTER EDITORPeter Carver (705) 797-1899PuroClean [email protected]

Executive Officers for 2015-2017





Ho Ho Ho. The calendar says it is winter but as I write this I am in a short sleeved dress and still no nylons. For you boys this will not elicit the same happiness as it does for the ladies ( if it does, don't share your happiness in your outside voice )In November's message I reminded you to get ready for 'the white stuff'. Based on the green we are still looking at, you should be more than ready for sure. We are being told 2016-17's winter season is supposed to be super cold and very white - hurry up already (right!)I am looking forward to this years celebration at Rama and this year I should be able to keep up with Terri (Mitchell) on the dance floor without waking up to a swollen and sore foot ! ( fractures are healed but you don't want to go to the beach with me and my toes lol)

It has been a great year for learning with our Chapter Members, while taking some time out of the office and I think you will agree our topics have been educational and fun! At the mock trail we had expert testimony of the claimant, Mrs. Romanenco (played fabulously by Past President Dorothy Pauze), honest adjudication admissions by Adjuster, Ms. Anita Fudgit (played by yours truly). We learned about the ever changing Auto Regulations and found out that if lightning hits your home some of your prize possessions will be toast – literally.Bruce (Bolduc) and Dale (Thompson) gave us great information on Health and Safety and guided us on how to gentle advise home owners and adjusters what the should and should not do on the job site.Golf was an Amazing success and the rain was crazy but it did cool us off and the effort resulted in one of our largest donations as a chapter to a great cause, Barrie Special Olympics and their participation was very welcomed. Our speakers have been amazing so far and Trevor (Walker) and I have at least two more great speakers lined up for March and April that you wont want to miss. Stay tuned about curling details and Past Presidents Night. I can’t wait to see our committee’s results in trying to out do last years event at Red Line Brewery. As this year comes to an end, I am reminded how fast time goes by and because I am lucky enough to have THIS forum I would like to say a Big Thank You to my amazing husband and family who make me wish I could slow time down and spend more of it (time) with each of them. I love you Guerettes!I hope Santa is good to everyone and you take some time with your family and friends over the holiday and of course, Be Safe,

Leslie J. Guerette, [email protected]

President’s Message




December 2016Issue#134 GEORGIAN BAY CHAPTER

www.oiaagb.comDecember 2016

Issue#13



WHAT’S HAPPENING

Please join us in extending best wishes to Judy Smith and Dan Wisniewksi, who will retiring from ClaimsPro on December 30th. Your wisdom and experience will be greatly missed. Wishing you good health, good luck and great success in your retirement.

McCague Borlack LLP opens our 3rd Regional Office

in Barrie, Ontario!

As part of our ongoing commitment to provide extended services throughout the Province, our new Barrie office provides complete Litigation, Alternative Dispute Resolution, and Risk Man-agement services.Centrally located in downtown Barrie, our legal team has fast, cost effective access to the Courts throughout central Northern Ontario. The office also offers representation by a resident team of experienced litigators with local knowledge and relationships, while at the same time, provid-ing integrated services with our other offices in Toronto, Ottawa, and Kitchener.And as with all locations, clients of our Barrie office will have access to the same high-quality legal excellence nationally through Canadian Litigation Counsel and internationally through The Harmonie Group.

For more information, please contact:Paul McCague by email or call 416.860.0010, orAlan Drimer by email or call 705.481.0240.



GEORGIAN BAY CHAPTERwww.oiaagb.com


2017

CURLING BONSPIELCURLING BONSPIEL

Friday, February 17, 2017Barrie Curling Club

9:45 am – Arrival10:00 – 10:30 - On Ice12:30 - Lunch

6 End GameLunch Included

RafflesCocktails & Prizes till 2:00 pm!

To Register please contact:Rob Rennie -Royston Restorations

705.792.6000 Fax 705.792.6100 [email protected] OR

Joe Cumming –The Cooperators705.712.1503

800.665.8152 Ext 1503 / Fax 705.728.8729 [email protected]

No cancellations will be accepted, those who sign up and do not attend will be billed. Payment is required immediately upon sign up and is non-refundable, no exceptions.





2017 SAVE THE DATEJANUARY FEBRUARY MARCH

OIAA Curling Bonspiel February 19

Monthly Meeting - Apr. 6

APRIL MAY JUNE

JULY AUGUST SEPTEMBER

OCTOBER NOVEMBER DECEMBER

Monthly Meeting - March 6

Past Presidents DinnerWed. May 31

OIAA Provincial ConferenceMay 4 & 5



The History of Christmas TreesThe evergreen fir tree has traditionally been used to celebrate winter festivals (pagan and Christian) for thousands of years. Pagans used branches of it to decorate their homes during the winter solstice, as it made them think of the spring to come. The Romans used Fir Trees to decorate their temples at the festival of Saturnalia. Christians use it as a sign of everlasting life with God.

Nobody is really sure when Fir trees were first used as Christmas trees. It probably began about 1000 years ago in Northern Europe. Many early Christmas Trees seem to have been hung upside down from the ceiling using chains (hung from chandeliers/lighting hooks).

Other early Christmas Trees, across many parts of northern Europe, were cherry or hawthorn plants (or a branch of the plant) that were put into pots and brought inside so they would hopefully flower at Christmas time. If you couldn’t afford a real plant, people made pyramids of woods and they were decorated to look like a tree with paper, apples and candles. Sometimes they were carried around from house to house, rather than being displayed in a home.

It’s possible that the wooden pyramid trees were meant to be like Paradise Trees. These were used in medieval German Mystery or Miracle Plays that were acted out in front of Churches

on Christmas Eve. In early church calendars of saints, 24th December was Adam and Eve’s day. The Paradise Tree represented the Garden of Eden. It was often paraded around the town before the play started, as a way of advertising the play. The plays told Bible stories to people who could not read.

The first documented use of a tree at Christmas and New Year celebrations is argued between the cities of Tallinn in Estonia and Riga in Latvia! Both claim that they had the first trees;

Tallinn in 1441 and Riga in 1510. Both trees were put up by the ‘Brotherhood of Blackheads’ which was an association of local unmarried merchants, ship owners, and foreigners in Livonia (what is now Estonia and Latvia).

Little is known about either tree apart from that they were put in the town square, were dance around by the Brotherhood of Blackheads and were then set on fire. This is like the custom of the Yule Log. The word used for the ‘tree’ could also mean a mast or pole, tree might have been like a ‘Paradise Tree’ or a tree-shaped wooden candelabra rather than a ‘real’ tree.

In the town square of Riga, the capital of Latvia, there is a plaque which is engraved with “The First New Year’s Tree in Riga in 1510”, in eight languages. You can find out more about the Riga Tree from this website: www.firstchristmastree.com



Time Off For The Holiday SeasonFor many of us, the holiday season is a period of time we want to spend with friends and family, without having to worry about responsibilities related to work.

The trouble is, though, that many of your colleagues have the same idea. Add the fact that some people are in fields where work must continue through the holidays, and you have a tricky challenge to negotiate.

Almost everyone would love to have some extra time off during the busy holiday season.

Employers have to juggle requests in order to keep employees happy - and to make sure that the workload is covered.

What’s the best way to ask to take vacation or personal leave? When you want to take time off for the holidays, it’s important to be flexible, to be willing to give as well as to get, to plan to ask early, if possible, and to be able to offer solutions for getting your work covered, if necessary, while you’re away.

Here are tips for successfully asking for time off from work during the holiday season.

Ask Sooner Rather Than Later - Strategies for handling this holiday dilemma will vary given your situation. One approach

is to prioritize your holiday preferences as far in advance as possible, and to bring the issue up for discussion with bosses and colleagues. The earlier you raise the topic, the better.

Be Ready to Compromise - Be understanding and patient when asking for time off. Kindness will go a long way.

Anticipate deadlines that occur around the holidays - Set your own

deadline for a time in December to make sure you get the work.

Finally, when you submit your request for time off, be sure to convey to your supervisors how you plan to ensure all of your responsibilities

will be taken care of before you leave for your vacation.

Have a safe & enjoyable holiday……..



2015-2017 OIAA Executive

OIAA 2017 Provincial ConferenceInn of Waterloo

May 4-5, 2017Ticket prices include admission to all events on May 4 & 5

$140+HST until January 31, 2017 • $175+HST from February 1, 2017

Visit www.oiaaprovincial.com or contact [email protected] event details and registration

May 4Tradeshow 5-8 pm

70+ Industry Partners will be in attendance

Food and beverages will be served at this event

Industry Partners can purchase an 8'x10' booth for$800 + HST

Mix and mingle 8-10 pmAn opportunity to network with those in the Insurance industry

May 57 educational sessions

SABS and LAT Panel Discussion – Is this what anyone expected?

Hoarding – Digging out from under the exposure

Casualty Update – The Year in review

Insurance 2.0: The Sharing Economy

Fort Mac Round Table Discussion

VP Claim Panel

Drones Presentation – Outside and Interactive

The education seminars will be followed by a dinner and traditional fest hall.





TheIRMsolution.com

Local: 705.503.5544Toll Free: 1.855.384.4764

Helping you see thethings you can’t.

4Specialized Surveillance Operations

4Full SIU Team to conduct your Fraud/Theft Investigations

4Rapid Response Statements

4Industry Leading, Social Media Intelligence and Preservation

4Slip and Fall, Locates, and BKG Investigations, etc.

Disaster repair and cleaning specialistsAn innovative leader providing professional and quality

services to the insurance industry and it’s customers.

710 Bayview Dr. Unit #1 Barrie, ON L4N 9A6ph. (705) 728-7285 | 1-800-425-9963 | fx: (705)728-8460

www.paulsrestorations.com

“Always ready when you need us”

Paul’s Restorations



In a decision on a preliminary issue, dated November 18, 2016, Arbitrator Schnapp held that a catastrophically impaired Applicant missed the two year limitation period to dispute the Insurer’s refusal to pay housekeeping and attendant care benefits.

In Mayo v. Economical, the Applicant was involved in a serious MVA on May 2, 2005. Following the accident, the Applicant received various benefits under the SABS, including housekeeping and attendant care benefits. Economical sent the Applicant an OCF-9 near the two year mark advising that no further housekeeping and attendant care benefits would be paid after the 104-week mark as per sections 18 and 22 of the SABS. The language of these two sections was attached to the OCF-9. The Applicant did not dispute the denial until more than eight years later, when he also applied for a determination of catastrophic impairment. Ultimately the Applicant was deemed to be catastrophically impaired but Economical maintained that the Applicant was statutorily barred from proceeding to Arbitration with respect to his entitlement to attendant care and housekeeping for failing to adhere to the two-year limitation period.

Various arguments were raised on behalf of the Applicant; however, the main argument was that there can be no denial prior to entitlement. The Applicant argued that since an insured cannot receive post-104 week housekeeping and attendant care benefits unless he/she is deemed catastrophically impaired, the catastrophic designation being a “threshold requirement” to receive these benefits. The Applicant took the position that the OCF-9 did nothing more than advise that he lacked the status to claim housekeeping and attendant care benefits beyond the 104 week mark since it was not open to Economical to deny post-104 week housekeeping and attendant care benefits at the time the OCF-

9 was issued. The Applicant also argued that since there is no limitation period for applying for catastrophic designation or for disputing an insurer’s denial of a catastrophic application, to accept Economical’s position would be to accept that insurers can create a time limit/limitation period for when an insured must apply for catastrophic impairment determination, which goes against recent decisions such as Guarantee v. Do and Machaj v. RBC.

Economical successfully argued that the Do and Machaj decisions were not relevant to the issue in this case because it was the specific benefits claimed that were denied not catastrophic designation. The Arbitrator found the reasoning in cases such as

Sommerville and State Farm and Ramalingam and State Farm instructive on the point that the SABS does not contemplate two versions of housekeeping and attendant care benefits (pre-104

week and post-104 week) which have two separate applications and require two separate denials. The Arbitrator also agreed that it could not have been the Legislature’s intent to require insurers, once a valid refusal was issued at the 104-week mark, to be unable to continue assessing the Applicant but possibly be required to pay retroactive benefits once the insured is deemed catastrophic, potentially several years later. The Arbitrator agreed that this would place significant prejudice on the insurer and result in an unfair/illogical outcome. Finally, the Arbitrator also agreed that, while a catastrophic impairment determination affects an Applicant’s entitlement to a greater tier of benefits, it does not dispose of the two-year limitation period to dispute the denial of those benefits.

The decision will be posted on the FSCO Web site shortly. THIS ARTICLE WAS PROVIDED BY LISA ARMSTRONG SAMIS & COMPANY

Limitation Period Trumps After All



Our Annual OIAA Christmas Party was a huge success!Casino Rama was a fantastic venue with lots of elegance and class. The food was terrific, entertainment was great as well. Our successful event hosted 124 people! We would like to extend our thank you for our sponsors:Larrek – sponsored the wineDoerr Claims and Re-Electronics – sponsored our DJMany people brought prizes that were handed out through the evening.Thank you to those who generously donated.With such a great evening behind us for this year we look forward to starting to plan our next year’s event……..

2016 Georgian Bay Christmas Party



Grand Prize Winner Elizabeth Dooleywith OIAA Director Barb Bolduc

Grand Prize Winner Dan Dooleywith David Lucenti



A Huge Success




Issue#13

Wanted for Crimes Against Christmas


December 2016Issue#13 19GEORGIAN BAY CHAPTER

www.oiaagb.comDecember 2016Issue#13

OIAA GEORGIAN BAY

MONTHLY MEETINGThursday March 2, 2017

Speaker: Craig BrannanNext Step Counselling& Coaching Services

Topic: Working relationships in the workplace and how to

succeed in a changing environment.

Cost: Members $35.40 plus HST = $40Non Members & Guests $44.25 plus HST = $50

Payable by cheque or cash at the door

RSVP to Sheri Turner - Doerr Claims Services705-719-7983 or [email protected]

RSVP’s must be received by February 23rd, 2017

Social: 4-5 pmSpeaker: 5-6 pmDinner: 6 pm

Barrie Golf and Country Club635 St.Vincent Street

Midhurst



Word Search Word JumbleThe 12th month of the year brings us Christmas, Chanukah, and New Years Eve.

December is the last month in the Gregorian calendar. Its name is based on the Latin term for ten. In the Roman calendar, December was the tenth month until the addition of January and February at the beginning of the year. In the Northern Hemisphere December has the shortest daylight hours and marks the beginning of winter. December provides the longest days in Southern Hemisphere, as it is the beginning of summer. December is a month home to many religious holidays.

Below are some fun facts about December:1. The birthstone of December is turquoise.2. Zodiac signs for December are Sagittarius (November 22 - December 21) and Capricorn (December 22 - January 19).3. The birth flower of December is the narcissus.4. World's AIDS Day is celebrated on December 1st.5. December 3 - International Day of the Disabled Person

6. Universal Human Rights Month7. National Read a New Book Month8. In December, Nobel Prizes are awarded.9. On December 4, 1791, The Observer newspaper (the first Sunday newspaper) was first published in Britain.10. Christmas Day is celebrated on December 25th.11. On December 7, 1941, The United States

Naval Base at Pearl Harbor was attacked by Japanese planes which killed more than 2,300 Americans.12. On December 20, 1803, the Louisiana Purchase was completed.13. Kwanzaa is celebrated on December 26 -

January 1 every year.14. National Stress Free Family Holiday Month15. December 27th is National Chocolate Day16. On December 29, 1862, the bowling bowl was invented.

17. Poinsettia Day is on December 12th.18. On December 3, 1967, the first heart transplant was completed.19. On December 17, 1903, the Wright Brothers made their first flight.20. On December 14, 1791, the Bill of Rights was passed.

Christmas Facts· Each year, 30-35 million real Christmas trees are sold in the United States alone. There are 21,000 Christmas tree growers in the United States, and trees usually grow for about 15 years before they are sold.

· Today, in the Greek and Russian orthodox churches, Christmas is celebrated 13 days after the 25th, which is also referred to as the Epiphany or Three Kings Day. This is the day it is believed that the three wise men finally found Jesus in the manger.

· In the Middle Ages, Christmas celebrations were rowdy and raucous—a lot like today’s Mardi Gras parties.

· From 1659 to 1681, the celebration of Christmas was outlawed in Boston, and law-breakers were fined five shillings.

· Christmas was declared a federal holiday in the United States on June 26, 1870.

· The first eggnog made in the United States was consumed in Captain John Smith’s 1607 Jamestown settlement.

· Poinsettia plants are named after Joel R. Poinsett, an American minister to Mexico, who brought the red-and-green plant from Mexico to America in 1828.

· The Salvation Army has been sending Santa Claus-clad donation collectors into the streets since the 1890s.

· Rudolph, “the most famous reindeer of all,” was the product of Robert L. May’s imagination in 1939. The copywriter wrote a poem about the reindeer to help lure customers into the Montgomery Ward department store.

· Construction workers started the Rockefeller Center Christmas tree tradition in 1931.



December Fun Facts



Word Search Word Jumble1804 - At Notre Dame Cathedral in Paris, Napoleon Bonaparte crowned himself Emperor of the French.

1885 - Invented by Charles Alderton, Dr Pepper was first served at the W.B. Morrison & Co. Old Corner Drug Store in Waco, Texas.

1913 - The Ford Motor Company introduced the continuously moving assembly line, producing a complete automobile every two-and-a-half minutes. It was the first true "mass production" system.

1913 - The first U.S. drive-in automobile service 'filling station' opened at the traffic intersection of Baum Boulevard and St. Clair Street in Pittsburgh, Pennsylvania.

1937 - Snow White and the Seven Dwarfs, Walt Disney's first full-length (83 minutes), animated film opened in Los Angeles, CA, at the at the Carthay Circle Theatre.

1955 - NORAD Tracks Santa for the first time in what will become an annual Christmas Eve tradition, thanks to a misprinted phone number in a Sear's retail catalogue. For the first several years, it was run by the Continental Air Defense Command (CONAD) Center.

1961 - Cuban leader Fidel Castro declared that he was a Marxist/Leninist and that Cuba was going to adopt Communism.

1977 - Saturday Night Fever, starring John Travolta, opened in theaters.

1989 - Christmas Vacation was released in theaters.

1990 - The Chunnel between England and France was connected and celebrated when and Englishman and Frenchmen broke their respective sides. It was officially opened by Queen Elizabeth II and the French president, François Mitterrand, in a ceremony held in Calais on May 6, 1994.

1992- The Young and The Restless aired the 5,000th episode.

Did You Know December





During my vacation in November 2016, I had

the opportunity to attend and participate in, as an

invitation-only guest, the WISTA 2016 AGM and

Conference aboard the Holland America Line

cruise ship, ms Koningsdam, on its maiden voyage

from Fort Lauderdale to the Bahamas. It wasn’t

easy convincing people that I was attending a

business conference on a cruise ship, but the event

was amazing and inspiring.

The Women’s International Shipping & Trading

Association (WISTA) is an international

organization for women in management positions

involved in the maritime transportation business

and related trades worldwide. WISTA aims to be a

major player in attracting more women to the

industry and supporting women in management

positions. With networking, education, and

mentoring in focus, WISTA can enhance members’

competence and empower career success. They

have over 2,100 members in 35 countries

worldwide, and pursues and supports the creation

of both national and international business

relationships amongst members.

The Conference was filled with meetings,

discussions, education, and yes some beach time

on the sandy beaches of Holland America’s private

island, Half Moon Cay.

The action-packed conference included:

November 9 – Day 1

WISTA National Association Presidents’ Round

Table Discussion

Presidents’ Dinner

Ship departs Port Everglades, Fort Lauderdale


WISTA International Annual General Meeting

Bahamas – shore event announcing and

confirming the newest chapter, WISTA Bahamas

Ship Tours aboard ms Koningsdam

• Bridge

• Engine Room Control Room

Work Shops

Workshop 1 –

WISTA as a Catalyst for International Trade &

Doing Business Around the World

Theme – By its very nature as a global networking

organization, WISTA stimulates and enables a

great deal of business among countries represented

by the organization. Investigate how WISTA

galvanizes global trade and how business is being

done in the countries or regions represented by

the panelists, ie: business ethics, local nuances,

cultural influences, the do’s and don’ts, etc – in

other words, the kind of information you want

a foreign investor to know

Workshop 2 –

Shipboard Environmental Systems: Insight

into Managing Waste Onboard a Floating

Hotel

Theme – Learn first-hand how the crew

effectively manages waste generated by 2,650

passengers and 1,036 crew onboard

WISTA





During my vacation in November 2016, I had

the opportunity to attend and participate in, as an

invitation-only guest, the WISTA 2016 AGM and

Conference aboard the Holland America Line

cruise ship, ms Koningsdam, on its maiden voyage

from Fort Lauderdale to the Bahamas. It wasn’t

easy convincing people that I was attending a

business conference on a cruise ship, but the event

was amazing and inspiring.

The Women’s International Shipping & Trading

Association (WISTA) is an international

organization for women in management positions

involved in the maritime transportation business

and related trades worldwide. WISTA aims to be a

major player in attracting more women to the

industry and supporting women in management

positions. With networking, education, and

mentoring in focus, WISTA can enhance members’

competence and empower career success. They

have over 2,100 members in 35 countries

worldwide, and pursues and supports the creation

of both national and international business

relationships amongst members.

The Conference was filled with meetings,

discussions, education, and yes some beach time

on the sandy beaches of Holland America’s private

island, Half Moon Cay.

The action-packed conference included:


WISTA National Association Presidents’ Round

Table Discussion

Presidents’ Dinner

Ship departs Port Everglades, Fort Lauderdale


WISTA International Annual General Meeting

Bahamas – shore event announcing and

confirming the newest chapter, WISTA Bahamas

Ship Tours aboard ms Koningsdam

• Bridge

• Engine Room Control Room

Work Shops

Workshop 1 –

WISTA as a Catalyst for International Trade &

Doing Business Around the World

Theme – By its very nature as a global networking

organization, WISTA stimulates and enables a

great deal of business among countries represented

by the organization. Investigate how WISTA

galvanizes global trade and how business is being

done in the countries or regions represented by

the panelists, ie: business ethics, local nuances,

cultural influences, the do’s and don’ts, etc – in

other words, the kind of information you want

a foreign investor to know

Workshop 2 –

Shipboard Environmental Systems: Insight

into Managing Waste Onboard a Floating

Hotel

Theme – Learn first-hand how the crew

effectively manages waste generated by 2,650

passengers and 1,036 crew onboard


Ship Tours: Galley • Garbage Room • Work

Shops

Workshop 1

Women in Leadership in the Marine Industry

Theme – The Maritime industry needs more

women, particularly in leadership roles. This

workshop will discuss in detail the promotion and

changes for the better for women in shipping and

highlights firsthand experiences of some who have

succeeded. Will discuss the participation of women

in a corporate environment in some of the larger

shipping and related companies worldwide. Will

also touch on gender equality with the goal of

empowering women in both shore-based and

seagoing ports

Workshop 2

State of the Union: Shipping Transport, and

Trade In, with Asia

Theme – This workshop will address a number of

issues relevant to shipping and trade in and with

Asia, including the current economic climate in and

decline in commodity imports to China, Singapore,

Hong Kong, and Shanghai, as maritime hubs; the

“One Belt, One Road” initiative and the effect it

may have on shipping; the 9 dash line and China’s

claim over the Spratly Islands; and, inevitably, the

collapse of South Korea’s Hanjin Shipping,

including specifically the human dimension of this

far-reaching story

November 12 – Day 4 – Full Day Conference /

Education

Session 1 – Introduction to the ms Koningsdam

Welcome to Our Ship, by the Captain, Chief

Engineer, and Hotel Director

Cruise Shipping – introduction to cruise shipping

and the unique issues / challenges faced that may

differ from other commercial, cargo ships

Session 2 — Shipping Industry Outlook

Challenges Facing the Industry: Regulatory,

Commercial, and Manning

Session 3 — State of the Art Ships: LNG

(liquefied natural gas), Dual Fuel, Zero Discharge,

Unmanned Ships. Ship Finance … Always in

Motion, BUT … is it Really Changing?

Session 4 — Trends and Challenges for Ports &

Shipping: Logistics • Supply Chain •

Cybersecurity

November 13 – return to Fort Lauderdale

The Conference was attended by more than 300

women delegates representing countries and

industries worldwide; and it was amazing to see

and hear the level of education, knowledge,

expertise, intelligence, and

confidence, of these CEO’s,

Presidents, VP’s, COO’s, CFO’s,

and Proprietors.

For more information about WISTA, visit:

WISTA International – www.wista.net

WISTA Canada – www.wista.net/ca

Thank You to Teresa (Teri) Mitchell

from Crawford & Company for

providing the article.

Women’s International Shipping & Trading Association





Raspberry and Almond Shortbread ThumbprintsShortbread thumbprint cookie3 filled with respberry jam and drizled with glaze.

Ingredients1 cup butter, softened2/3 cup white sugar1/2 teaspoon almond extract1/2 cup seedless raspberry jam1/2 cup confectioners' sugar3/4 teaspoon almond extract1 teaspoon milk

Directions1.Preheat oven to 350 degrees F (175 degrees C).2.In a medium bowl, cream together butter and white sugar until smooth. Mix in 1/2 teaspoon almond extract. Mix in flour until dough comes together. Roll dough into 1 1/2 inch balls, and place on ungreased cookie sheets. Make a small hole in the center of each ball, using your thumb and finger, and fill the hole with preserves.3.Bake for 14 to 18 minutes in preheated oven, or until lightly browned. Let cool 1 minute on the cookie sheet.4.In a medium bowl, mix together the confectioners' sugar, 3/4 teaspoon almond extract, and milk until smooth. Drizzle lightly over warm cookies.

Hedgehog Cookies"I needed something else to decorate a tree trunk cake, so baby hedgehogs seemed to be the perfect match."

Ingredients4 cups all-purpose flour3/4 teaspoon baking powder1/2 teaspoon baking soda1/2 teaspoon salt1 1/4 cups white sugar1 cup butter-flavored shortening1/4 cup corn syrup2 eggs1 tablespoon vanilla extract1 cup pecanst1 cup chocolate chips

Directions1. Mix flour, baking powder, baking soda, and salt in a

bowl. Whisk sugar, shortening, corn syrup, eggs, and

vanilla extract in a separate bowl. Stir sugar mixture into

flour mixture until just combined. Refrigerate dough until

chilled, 30 minutes to 1 hour.

2. Preheat oven to 350 degrees F (175 degrees C).

3. Scoop cookie dough using a cookie scoop or 1

tablespoon so all the cookies are uniform; shape

dough into teardrop-shaped cookies. Flatten the

pointed side of each cookie to form the 'face'. Arrange

cookies on baking sheets.

4. Bake in the preheated oven until golden, 10 to 12

minutes. Cool on the baking sheets for 10 minutes

before removing to cool completely on a wire rack.

5. Pulse pecans in a food processor until finely

chopped; transfer to a bowl.

6. Melt chocolate chips in the top of a double boiler

over simmering water, stirring frequently and scraping

down the sides with a rubber spatula to avoid scorching.

7.Dip the top of each cookie in the melted chocolate,

spreading to fully coat the 'body' of each hedgehog.

Press cookies, chocolate-side down, into the ground

pecans forming the 'fur'. Arrange cookies on a sheet of

waxed paper to set, about 30 minutes.

8. Transfer the remaining melted chocolate to a piping

bag or plastic bag with a corner snipped. Pipe

chocolate onto the pointed end of each cookie for

eyes and a nose.well in freezer up to 1 month.

Caramel Shortbread Squares"These cookies consist of a shortbread crust, firm caramel center, and a milk chocolate top. They are super-easy to make and they take only 20 minutes to bake."

Ingredients2/3 cup butter, softened1/4 cup white sugar1 1/4 cups all-purpose flour1/2 cup butter1/2 cup packed light brown sugar2 tablespoons light corn syrup1/2 cup sweetened condensed milk1 1/4 cups milk chocolate chips

Directions1. Preheat oven to 350 degrees F (175 C).2. In a medium bowl, mix together 2/3 cup butter, white sugar, and flour until evenly crumbly. Press into a 9 inch square baking pan. Bake for 20 minutes.3. In a 2 quart saucepan, combine 1/2 cup butter, brown sugar, corn syrup, and sweetened condensed milk. Bring to a boil. Continue to boil for 5 minutes. Remove from heat and beat vigorously with a wooden spoon for about 3 minutes. Pour over baked crust (warm or cool). Cool until it begins to firm.4. Place chocolate in a microwave-safe bowl. Heat for 1 minute, then stir and continue to heat and stir at 20 second intervals until chocolate is melted and smooth. Pour chocolate over the caramel layer and spread evenly to cover completely. Chill. Cut into 1 inch squares. These need to be small because they are so rich.

December Recipies




December 2016Issue#13 25GEORGIAN BAY CHAPTER




Surveillance is one of the most powerful tools insurance companies can use for a claim dispute, however, the strength of this tool may depend on the quality of the report and video obtained. When done effectively, surveillance has the potential to illustrate inconsistences or exaggerations in claims, establish or deconstruct credibility, and affect the value of any potential settlement. In order for surveillance to be the most beneficial tool that it can be, there are several guidelines that should be followed.

First and foremost, it is important to note that private investigators hired to carry out surveillance by companies in Ontario are bound by the rules and regulations of the Security and Investigative Services Act. This act ensures that all investigators are trained and licensed to legally conduct surveillance. A private investigator is required to possess a valid licence. Without proper licensing, any surveillance obtained will be deemed inadmissible if brought to court.

Hand in hand with proper licensing is the assurance that privacy laws are upheld. When in plain view, while in public, video documentation of a subject can lawfully be obtained, without the knowledge of the subject. This includes locations such as on driveways, in parks, or in a mall. It is important to note that in these locations, other individuals may be captured on video while documenting the subject, however, there is no breach of privacy for those individuals. Areas where there is a general expectation of privacy, such as change rooms and washrooms, should not be documented during surveillance. If any video is captured in these areas, it may cause those scenes to be deemed inadmissible in court, and may call into question the ethics of the investigator, and the motive of the client. Following legal and ethical standards is a baseline necessity to utilizing surveillance for claims, however, the real power in surveillance is the ways that it captures subject activity in an informative and objective manner.

In order for surveillance be an advantageous tool, surveillance should generally be conducted over consecutive days. Conducting surveillance in this manner allows for context to be given to a subject’s actions. If a subject is seen continually engaging in particular activities, such as driving children to school or going to work every day, or mowing the lawn every week, this assists in establishing the routine and regular activities that the subject performs, and helps to single out “one-off” occasions. Consecutive days of surveillance also allows for the repercussions of activities to be observed, such as not being observed outside the residence, needing assistance, or attending medical or physiotherapy appointments. Generally, it is not enough to merely document a subject performing physical tasks on a single given day. It is essential that surveillance be conducted on the day after observing

physical activity, in order to refute claims that performing the said activities were incapacitating and that the subject suffered negative effects as a result.

Another way in which consistency of activity can be determined is to conduct surveillance over various seasonal periods. Summer is a popular time of year to check on a subject’s activities, however, winter can be just as informative. Routines such as driving to work and grocery shopping still occur, socializing may take place in restaurants instead of parks, and outdoor activities can show a variety of different abilities, such as shoveling snow, scraping frost from windows, playing with children in the snow, and participating in winter sports.

Surveillance video is at the crux of modern surveillance, and can be scrutinized for objectivity and context. Measures can be taken to ensure the surveillance report and video are “showing” actions, rather than “telling”, which is essential for the most objective reporting. Good quality video and consistent recording allows the viewer to clearly observe

uninterrupted actions, ensuring all aspects of a subject’s actions are documented. This also means that activities may impugn or support a subject’s claim. The inclusion of these activities adds credibility to the objective nature of surveillance.

Similarly, the surveillance report should describe what is observed, and support the video obtained, but be free from subjective opinion, such as characterizations of individuals, and manner of movement (ie: normal or abnormal). A report can describe actions, such as entering and exiting vehicles or lifting children, however, over-description, such as the angle at which a subject bends forward, may be construed as subjective. It is generally accepted by the courts that investigators may comment on observances as a lay person might, however, investigators must avoid any type of medical opinion or judgement. For example, it is acceptable for an investigator to state

that “the subject was observed limping”, however, it is not acceptable to state that “the subject appeared to walk in a painful manner” or “the subject’s left leg appeared to be bothering him”. Since the investigator is not qualified to determine what the causation of the limp is, they cannot speculate on it. A good report will also orientate the reader by including information about actions on a given day, at specific times and in various locations.

A good surveillance report may support or discredit a subject’s claim – it is important to keep in mind that, either way, pertinent information is determined. It is essential to ensure that surveillance is conducted and documented correctly and concisely for it to result in an advantageous outcome for the client. Larrek Investigations prides itself in conducting surveillance in a discreet, ethical, and professional manner, continually striving for excellence – both within ourselves, and in the services that we provide.

Surveillance Tells the True Story













Similarly, the surveillance report should describe what is observed, and support the video obtained, but be free from subjective opinion, such as characterizations of individuals, and manner of movement (ie: normal or abnormal). A report can describe actions, such as entering and exiting vehicles or lifting children, however, over-description, such as the angle at which a subject bends forward, may be construed as subjective. It is generally accepted by the courts that investigators may comment on observances as a lay person might, however, investigators must avoid any type of medical opinion or judgement. For example, it is acceptable for an investigator to state

that “the subject was observed limping”, however, it is not acceptable to state that “the subject appeared to walk in a painful manner” or “the subject’s left leg appeared to be bothering him”. Since the investigator is not qualified to determine what the causation of the limp is, they cannot speculate on it. A good report will also orientate the reader by including information about actions on a given day, at specific times and in various locations.










Similarly, the surveillance report should describe what is observed, and support the video obtained, but be free from subjective opinion, such as characterizations of individuals, and manner of movement (ie: normal or abnormal). A report can describe actions, such as entering and exiting vehicles or lifting children, however, over-description, such as the angle at which a subject bends forward, may be construed as subjective. It is generally accepted by the courts that investigators may comment on observances as a lay person might, however, investigators must avoid any type of medical opinion or judgement. For example, it is acceptable for an investigator to state that “the subject was observed limping”, however, it is

not acceptable to state that “the subject appeared to walk in a painful manner” or “the subject’s left leg appeared to be bothering him”. Since the investigator is not qualified to determine what the causation of the limp is, they cannot speculate on it. A good report will also orientate the reader by including information about actions on a given day, at specific times and in various locations.


Kitchner • Toronto • London • HamiltonOttawa • Barrie • Windsor

1-888-576-3010 • www.larrek.com

One of the Most Powerful Tools






Issue#13



December Word Search Word Jumble

Christmas

Crackers

Tree

Decorations

Family

Friends

Gifts

Manger

Nativity

Merry

Jolly

Jingle Bells

Scrooge

Gingerbread

Presents

Angel

T A H E W

I G N I C

M I S W O D

L E T H M E





1-800-361-6900 Fax: [email protected] www.masterclean.ca

1215 Kerrisdale Blvd. Newmarket, Ontario L3Y 8W1





We are anticipating an exciting year for our OIAA chapter and hope you’ll join us

It is you and your company that makes our Chapter a success and we are appreciative of your past support; we wouldn’t

be able to do it without you.

On behalf of the entire Executive & Social Committee, THANK YOU!

We will providing some interesting seminars and events this upcoming 2016-2017 term.

Please visit our website @ www.oiaagb.com for more information.

GEORGIAN BAY SOCIAL MEMBERSHIP

(non adjusters)

Name: _____________________________________________________

Company Name: ______________________________________________________

Address: ______________________________________________________

Phone: ______________________________________________________

Email: ______________________________________________________

Membership Fee: $40.00 (inclusive of HST)

Cheque payable to: OIAA Georgian Bay Chapter

Send cheque & form to: Lynn Dawson – The Co-operators 14 Cedar Pointe Dr, Barrie, On L4N 5R7

The yearly membership includes the monthly newsletter, the link our website www.oiaagb.com. You will receive a reduced rate at monthly meetings, which include an informative session, a hot dinner and time to socialize with other industry members.

Thank you again for your support & hope to see you at our events!

GEORGIAN BAY ADVERTISING APPLICATION

Several advertising options are available. Our Newsletter is published from September to June.

2016-2017 COST

Colour Ad Business Card $200.00 + HST Half Page $500.00 + HST Full Page $800.00 + HST

CRITERIA Your advertisement must be in EPS or PDF format Artwork should be sent to the newsletter editors:

Helene Towsley – [email protected] Pete Carver – [email protected]

Name: ______________________________________________________

Company Name: ______________________________________________________

Address: ______________________________________________________

Phone: ______________________________________________________

Email: ______________________________________________________

Check Applicable Boxes:

Advertising

Business Card $ ___________ + HST $___________ = $ ___________

Half Page $ ___________ + HST $___________ = $ ___________

Full Page $ ___________ + HST $___________ = $ ___________

Make cheque payable to: OIAA Georgian Bay Chapter

Send cheque & form to: Helene Towsley – The Co-operators 14 Cedar Pointe Dr, Barrie, On L4N 5R7

Any issues pertaining to your advertising, please contact Helene Towsley @ [email protected] or

Pete Carver @ [email protected]

Thank you again for your support & hope to see you at our events!33GEORGIAN BAY CHAPTER




CommercialLaundry

GARMENT RESTORATION SPECIALISTS

GEORGIAN

By using a professional cleaner for expert garment restoration.

Garment Restoration Specialists Reduce losses and guesswork.

Increase reporting accuracy.

Improve understanding and communication with the insured.

Help eliminate unnecessary claims.

Help with storage related issues.

RECEIVING:

221 Cundles Road East, Barrie ON L4M 6L5

ADMINISTRATION AND MAIN PROCESSING PLANT:

103 Bayfi eld Street, Barrie ON L4M 3A9

local 705-737-1796 toll-free 1-888-834-7343www.GeorgianCommercial.ca

121 Welham Road, Unit 3Barrie, ON L4N 8Y3www.puroclean.ca

Fernand Guerette, IICRC CERTIFIED - OCT, WTR, AMRT, FSRT

Peter Carver, IICRC CERTIFIED - OCT, WTR, FSRT, ASD

Toll Free 1-877-261-PURO (7876)Offi ce 705-797-1899

Fax 705-797-0914

Our Mission: When property damage occurs, PuroClean driven to provide an unmatched service experience quickly, professionally, ethically and with

compassion, resulting in peace of mind for all concerned.

WATER FIRE MOULD BIOHAZARD

DAMAGE SPECIALISTS





Experts in Collision Reconstructionand Personal Injury Claims

ProductLiability

Loss ofBalance

Collisions

888.272.6671 - [email protected]

www.chcbarristers.com

109 Ferris LaneBarrie, Ontario

tel: (705) 722-4400

CARROLL HEYD CHOWN LLP

Litigation. It’s what we do.

Insurance Defence and Subrogation



Mama’s Christmas Miracle Mama told me a story a long, long time ago, not like any that I’d ever heard,all about a little girl mama used to know, how I remember every word.Seems like a lifetime ago, though I remember it so well.It was a Christmas Eve I’ll never forget as far as I can tell.We were sitting at the kitchen table, it was only my mother and me.I was dreaming of Christmas morning and all the presents under the tree.Dad wasn’t doing that well and money was scarce that year.Mama found a way of telling me without me shedding one tear.She told me a story of a little girl and a Christmas long ago,who came from far away, a place where it rarely snowed.Santa was just a dream to her, but she believed so much inside,that Christmas was going to be special, so she knelt by her bed and she cried.“Lord, let Santa remember me if not just this one time. I promise I won’t ask for much, maybe a dolly I can call all mine.” She closed her prayer and thanked the Lord for all that she received.She knew that Santa would really come if only she believed.She wrote a letter to Santa, unfamiliar to most girls and boys.Though her list was long and full, on it there were no toys.Only things we take for granted, like new shoes or underpants,hair bows for her sisters and gloves to warm her brothers’ hands. At the bottom of her list she asked, if it not be too much, for a brand new baby doll she could hold and love and touch.Then Christmas morning came and she looked beneath her tree,Not a present to be found as far as she could see.She didn’t give up hope as she heard a knocking sound.When she opened up her door, a great big box she found.She called out to her mother and dad, brothers and sisters too,She said, “My prayers were answered, there’s something in here for all of you.”Her daddy got brand new boots, her mother new underpants, her sisters got beautiful hair bows, her brothers warm gloves for their hands. Buried deep beneath the box was a brand new baby doll and a note that said, “Merry Christmas, I love you one and all.”I’ll never forget that story because much to my surprise, I saw the true meaning of Christmas shining in my mother’s eyes.For those of you who are wondering, as if you didn’t know,The little girl in Mama’s story was my mother long ago.



Jumble Answer

OIAA Newsletter Editors

AdvertisersArcon Forensic EngineersCarroll Heyd Chown LLPConstruction Workplace Safety Training Doerr Claims Services Inc.Dooley Lucenti BarristersFirst General Services (Huronia) Ltd.Georgian Commercial LaundryIndustrial Park Collision Investigative Risk ManagementI-Tech Jenish Forensic Engineering Larrek Investigations (Barrie)MasterClean Contracting & Cleaning Muskoka Lakes PropanePaul’s RestorationPDS Simcoe Puro Clean Property RestorationR & F Construction DKI Rainbow Int’l Restoration/ Simcoe CountyRelectronic-Remech IncRestorations By RodgersRoyston Restorations/The Royston Group Service Master - Midland/OrilliaService OneStrone Winmar - Barrie/OrilliaWinmar Georgian Bay MuskokaXpera Risk Mitigation & Investigation

Peter [email protected]

Helene [email protected]

W H E A TT A H E W

I C I N GI G N I C

W I S D OM I S W I

MD

H E L M EL E T H M

TE

D E A L W I T H I T



INVESTIGATION SERVICES

ADVANCED TECHNOLOGY • INNOVATIVE SOLUTIONS

Xpera is Canada’s premier provider of Risk Mitigation & Investigation. We offer innovative solutions that reduce risk, minimize loss, and increase human safety.

Xpera prides itself on its use of advanced technology and procedures, up to date research, and the most detailed and factual reports in the industry. With more than 500 investigators nationwide, we provide over 100 services to a diverse base of clients.

A sampling of our investigation services include:

• Surveillance

• Open Source Intelligence

• Social Media/Cyber Research

• Location of Individuals

• Interviews and Statements

• Special Investigation Unit (SIU)

• Primary Insurance

• Liability Investigations

• Photographic Evidence

• Litigation Support

• Neighborhood Inquiries

• Subrogation and Recovery

RISK MITIGATION: 1.888.842.8106 XPERA.CA INVESTIGATION: 1.888.842.8112

WE ARE THE GEORGIAN BAY CHAPTER OF THE ONTARIO INSURANCE ADJUSTERS ASSOCIATIONS

georgian bay chapter december 2016 · georgian bay chapter 1 december 2016 ... on ice 12:30 -...

Documents