Our Ongoing Nightmare: A Condensed Account
January 20, 2025 – The Fire
Around 1:30 a.m., I was awakened by a faint beeping. Opening the laundry room door, I was met with thick black smoke. I immediately evacuated with my 10-year-old son and our dog, alerted the upstairs tenants, and called 911. The fire, originating in our son's bedroom wall, was extinguished by firefighters who then advised us to re-enter the apartment—a decision that, in hindsight, was ill-advised due to lingering smoke and debris.
Initial Contact with OnSide Restoration and Intact Insurance
Later that morning, OnSide Restoration arrived, summoned by our landlord's insurance. They deemed everything in our son's room a total loss. I contacted Intact Insurance to file a claim. Adjuster Jarrett MacDonald initially refused to speak with me, citing privacy policies, but eventually disclosed we were entitled to $50/day for accommodations.
January 21 – Authorization and Asbestos Concerns
My partner, returning from offshore work, authorized me to communicate on his behalf. Jarrett then mentioned a $15,800 displacement allowance, clarifying the $50/day was for stays with family or friends. That evening, Carl Settle from OnSide alerted us to asbestos contamination throughout the apartment, urging immediate evacuation without belongings. The next day, he reversed his statement, claiming contamination was limited to the bedroom, leaving us confused and without clear guidance.
Late January – Temporary Housing Struggles
We secured a $3,000/month rental through my partner's sister, as Intact's suggestions were either unaffordable or had pet restrictions. The rental lacked running water initially, was infested with mice, and situated in an unsafe neighborhood. Despite these conditions, we moved in, anticipating a two-month repair timeline that extended to over three months.
February – Inventory and Communication Breakdown
On February 5, we signed a work authorization for OnSide to begin inventory. The process occurred on February 12–13, during which Krista Clairmont inquired about sentimental items, giving us hope our belongings were in considerate hands. However, post-inventory, communication from OnSide and Carl ceased for over two months.
April – Inadequate Documentation and Disputes
On April 4, we received blurry, unorganized photos lacking labels or itemized lists. Many items, including our son's wrestler collection and jewelry, were missing or unaccounted for. Jarrett explained this was a "bulk inventory" for economic reasons, a method never previously disclosed to us.
Late April – Miscommunication and Premature Move-In
Despite being told we could return home by May 1, we had to vacate our temporary rental by April 29. With no updates from OnSide, we booked a hotel from April 28–May 2. Suddenly, OnSide began moving items back into our apartment on April 28 without our approval for cleaning. They claimed authorization was given in January, which was impossible as we hadn't approved inventory until mid-February.
April 29 – Return to a Neglected Home
Upon returning, we found our apartment uncleaned, with furniture returned dirty and soon becoming moldy. Kitchen items still had soot, and many belongings were missing or damaged. OnSide couldn't confirm where our property was stored from February to May.
May – Disputed Charges and Lack of Accountability
Intact admitted to faults by both themselves and OnSide, acknowledging no authorization was made for cleaning. Despite this, we received a bill exceeding $18,000, later reduced to $16,100, which included unauthorized cleaning charges.
June 2 – Escalation and Public Disclosure
A call with Corey from Intact resulted in an offer of $16,100 for OnSide's services, which we refused due to the subpar service and unauthorized charges. We escalated our claim to Intact’s Ombudsman and decided to make our experience public, seeking accountability and justice.
Ongoing Issues and Unanswered Questions
Missing belongings and lack of a full inventory.
Misleading information and poor communication from both OnSide and Intact.
Unauthorized cleaning and disputed charges.
Unanswered concerns about asbestos contamination and safety protocols.
If you or someone you know has faced similar challenges or can offer assistance, please reach out. We have documented every email, photo, and recorded call. Our pursuit for accountability and closure continues.
January 20, 2025
Unprompted review