December 2004 - Contents

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Salvage: Determination of Salvage Potential and Disposition of Damaged Retail-Clothing Stock
By Bohdan (Bob) Krywiak, CIP, FCIAA, CCFI-C, CFEI……….Page 6

Contingency Fees: No Gain? No Pain!
By Tracy L. Leckie……….Page 14

Challenges Unique to the Rapidly Growing 50+ Client Population By Ian Elliott, BSc PT, Registered Physiotherapist and Kristine Roth, BSc
OT, Registered Occupational Therapist……….Page 18

Can Insurers Stop IRBs after a Disability DAC Favourable to the Insured?
By Adrian Willsher……….Page 24

Altered Liability Landscape for Child and Family Services Organizations since K.L.B. v. British Columbia
By Stephen J. Wojciechowski……….Page 42

What Is Arthritis? Dispelling the Myths
By The Arthritis Society……….Page 52

A Team Approach: Using Experts to Assist in Settling Business Interruption Claims
By Emerissa Babin……….Page 54
Regular Features

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President’s Message……….Page 4
OIAA Executive Committee……….Page 5
Ask the Expert……….Page 28
Get to know your Chapters……….Page 32
Directory of Adjusters……….Page 64
OIAA Chapter Executive……….Page 68
Advertisers’ Index……….Page 69
Final Report……….Page 70

What's happening

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OIAA Christmas Party Announcement……….Page 34
Coming Events around the Province……….Page 35
OIAA November Meeting……….Page 36
Claims 2005 Announcement……….Page 38
Out and About……….Page 62