Law360 Canada ( September 5, 2019, 8:52 AM EDT) -- Appeal by the defendant insurer from judgment finding it responsible for certain losses sustained by the respondent in relation to a cottage property for which he obtained title insurance with the appellant. The previous owner commenced construction of the cottage in 1989 pursuant to a building permit. The respondent purchased the cottage in 1999 under a power of sale. Due to a loss of records in a 1996 fire, the Building Department could not confirm whether the cottage ever passed its final inspection. The respondent did not request that the Building Department conduct a final inspection of the cottage prior to closing. During a 2011 renovation project, the respondent discovered several significant structural defects that made the cottage inhabitable. The appellant denied coverage because it learned that there was no open building permit. The trial judge concluded that the defects in the cottage were latent defects and that the factual situation here fell within the coverage offered by the Policy for unmarketable title....