Law360 Canada ( December 4, 2025, 9:40 AM EST) -- Appeal by Innovation Federal Credit Union Limited (Innovation) from chambers judge’s decision disallowing property insurance expenses. Innovation entered into a mortgage agreement with the respondents under which Innovation provided loan financing to the respondents who, in turn, granted a mortgage over their property to Innovation to secure repayment of the loan. Subsequently, the respondents defaulted on the mortgage and Innovation began foreclosure proceedings and brought an action against the respondents. In the decision on appeal, the chambers judge determined that Innovation could not claim property insurance expenses as part of the amount owing under a mortgage in a foreclosure action. On appeal, Innovation contended that the chambers judge erred by interpreting s. 10-11 of the King’s Bench Act (KB Act), and s. 11 of the Limitation of Civil Rights Act (LCRA), as precluding the inclusion of that sort of expense in a mortgage claim. As a preliminary issue, the Court dealt with whether leave to appeal was required in this case....