Homeowner’s use of space heaters not a “material change in risk”

Pinder Estate v. Farmers Mutual Insurance Co., 2020 ONCA 413
Joyce Pinder purchased a home for her daughter and grandson in the late 1990s. Her daughter, Cindy, owned the contents of the home, and paid the utilities. Unfortunately, in 2004, a fire occurred, destroying the home and the contents. Cindy had left the home for her boyfriend's house during the evening, while her son was having a sleep-over at Joyce's. She left 'half a log' in the...
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