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The following homes are not included within this definition:
a. floating homes;
b. seasonal dwellings;
c. manufactured homes; and
d. hotels, dormitories, institutional buildings, care facilities
7. Expiry Date
The dates referenced on the declaration page and Insuring Agreement section of this policy, after which
coverage terminates.
8. General Contractor
A residential builder that is engaged under contract by an owner, developer or vendor to perform or cause
to be performed all or substantially all of the construction of a new home and includes a construction
manager and project manager. The general contractor may also serve as the person or other legal entity
that obtains the building permit. The general contractor may also serve as the person or other legal entity
that obtains warranty and sells the dwelling unit to the purchaser/homeowner.
9. Insurer
The company or companies noted on the declarations page of the policy that have agreed to provide the
coverage set forth in the policy.
10. Insuring Agreements
The general coverages provided by the policy as set forth in the Insuring Agreements section of the policy.
11. Living Out Accommodation Expenses
The actually incurred accommodation expenses by the purchaser/homeowner at a hotel, motel or other
rental accommodation.
12. Load Bearing
Subjected to or designed to carry loads in addition to its own dead load, but does not include a wall element
subjected only to wind or earthquake loads in addition to its own dead loads.
13. Mediation
A collaborative process in which two (2) or more parties meet and attempt, with the assistance of a
mediator, to resolve issues in dispute between them.
14. Mediation Session
A meeting between two (2) or more parties to a dispute during which they are engaged in mediation.
15. Mediator
A neutral and impartial facilitator with no decision making power who assists parties in negotiating a
mutually acceptable settlement of issues in dispute between them.
16. Multi-Unit Building
A building containing two (2) or more dwelling units together with associated common property, if any.
17. Pollutants
Any solid liquid, gaseous or thermal irritant or contaminant, including petroleum products, radon gas,
smoke, vapour, soot, fumes, acids, alkalids, chemicals and waste; waste shall include , without limitation ,
materials to be recycled, reconditioned or reclaimed.
18. Purchaser/Homeowner
The person or persons who purchase the dwelling unit:
a. initially, from the vendor/developer/general contractor; or
b. subsequently, from an existing homeowner.
19. Roster Organization
Any body designated by the Attorney General to select mediators for the purposes of mediation.
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