Court finds actual harm to property required to constitute ‘direct physical loss of or damage’

By Sean Tessarolo ( August 5, 2021, 11:12 AM EDT) -- Is a physical change in property sufficient to constitute “direct physical loss of or damage” to that property or is more required? The B.C. Court of Appeal in Prosperity Electric v. Aviva Insurance Company of Canada 2021 BCCA 237, determined that more is required; specifically, there must be some form of harm to the property to constitute “direct physical loss of or damage” to insured property....