Months later, Crowder obtained an estimate for a contractor to demolish the boathouse. He then submitted that document to his insurance company, including a cheque number for a payment that had never been made, claiming reimbursement for work that had never been completed. Relying on Crowder's submissions, his insurer directed three cheques to him personally: $11,074 for the demolition work, which he had done himself with some assistance; $6,750 for the loss of the cedar-strip canoe and fridge; and $84,185.01 for the loss of the boathouse.
This sequence of events occurred after Crowder received an estimate from a contractor to dismantle the boathouse. He then submitted this document to his insurance company, along with a cheque number that had never been cashed, claiming reimbursement for work that had not been completed. As a result of Crowder's submissions, his insurer sent him three personal cheques: $11,074 for the demolition work he performed himself; $6,750 for the loss of the cedar-strip canoe and fridge; and $84,185.01 for the loss of the boathouse.