December 2003 - Contents

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One Year Limitation on Property Claims? Maybe... Maybe not
By James S. Schacter, LLB………..Page 6

Windsor and Essex County Crime Stoppers, Inc.
By Ken Koekstat, Senior Constable………..Page14

Policies Cause Province to See Red
By Bruce Nelson………..Page 20

Good News and Bad News for Out-of-Province Defendants
By M. Hannah Lee and James E. Minns………..Page 24

Arthritis can strike anyone, anywhere, anytime
By Lisa Pridmore………..Page 28

Ergonomics at Work
By Charlene Couture, MSc Erg, HBSc HK………..Page 44

Dilution of the Pollution Exclusion
By Elliott A. Zeitz………..Page 48

Income Replacement Benefits for Self-Employed Claimants: Calculating IRB's for Claimants Who Have Reached Age 65

By James McAuley, CA-IFA, CBV, & Suzanne McLean, CA-IFA………..Page 54

Recycling Renovations: Finding an Address with Access
By Peggy Stewart………..Page 58

Life is beautiful...and short
From the Internet………..Page 62

Regular Features

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President’s Message………..Page 4
OIAA Executive Committee………..Page 5
Get to Know Your Chapters………..Page 36
Directory of Adjusters………..Page 65
OIAA Chapter Executive………..Page 69
Final Report………..Page 70
Advertisers’ Index………..Page 70

What's happening

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Industry News………..Page 34
November Seminar and Meeting………..Page 38
OIAA Christmas Party Announcement………..Page 39
Claims 2004 Trade Show Announcement………..Page 40
CICMA/CIAA Joint Conference Announcement…..Page 42