Insurance Law

296

Fire Destroys a Building: Are the Firefighters to Blame?

In a decision rendered on April 11, 2025, the Court of Appeal ruled on the issue of relative immunity for a municipal fire department’s actions in the case of Leduc v. Durham-Sud Municipality.

During the night of March 17 to 18, 2019, a duplex owned by the plaintiffs in the Municipality of Durham-Sud (“Municipality”) was destroyed by a violent fire. The plaintiffs alleged negligence on the part of the Municipality and its fire department, claiming that they failed to implement proper firefighting measures in a timely manner and that they unjustly ordered the demolition of the remaining part of the structure, which the plaintiffs argued was still intact.

Trial Court Decision

The Superior Court dismissed the plaintiffs’ claim. It found the defendants’ testimony credible and concluded that the fire department benefited from a relative immunity under the Fire Safety Act. The Municipality had a fire safety cover plan in place and properly implemented its provisions. There was no gross negligence or willful misconduct that would override this immunity. In fact, the firefighters’ actions were described as prudent, diligent, professional, serious and considerate.

Court of Appeal Decision

The plaintiffs appealed, arguing that the trial judge made palpable and overriding errors in assessing the firefighters’ alleged fault. However, the Court of Appeal rejected the appeal, finding no such errors in the trial court’s analysis.

Relative Immunity

The Court confirmed that a municipality is not liable for the actions of its fire department as long as:

  1. It has implemented a fire safety cover plan.
  2. It has taken the prescribed measures outlined in the fire safety cover plan.

In this case, the regional county municipality had a fire safety cover plan that specified two main measures:

  • Initial response force
  • Sufficient water supply

The plaintiffs claimed that only seven firefighters responded, while the fire safety cover plan required eleven within 20 minutes. However, the evidence showed that seventeen firefighters arrived within that time frame, despite the emergency call being placed at 3:30 a.m.

Regarding water supply, the plaintiffs argued that firefighters failed to use the hydrant in front of the duplex and instead relied on a swimming pool and tanker trucks, which delayed the response and limited water pressure to 75%. However, the court found that the hydrant was non-compliant, delivering less than the required 1,500 L/min. The fire safety cover plan allowed for alternative solutions in such cases, and using the pool and tankers met those requirements.

Thus, the Court of Appeal upheld the trial court’s finding that the Municipality had properly implemented its fire safety cover plan and retained a relative immunity.

Gross Negligence

Even with immunity, a municipality can be held liable for gross negligence. The plaintiffs alleged two additional faults:

  • The firefighters paused water operations for about 15 minutes to allow the plaintiffs to retrieve personal items.
  • The firefighters demolished the rest of the building, which plaintiffs claimed was structurally sound and undamaged by fire.

However, the trial judge had ruled that even if true, these actions did not amount to gross negligence. The Court of Appeal agreed, noting that the trial judge relied on the credible, consistent testimony of the defendants and found the plaintiffs’ claims to be emotional and exaggerated.

The Court emphasized that it does not reassess evidence but instead ensures that no overriding errors were made in the initial judgement. Finding none, it concluded that there was no gross negligence in this case.

The Court of Appeal upheld the Superior Court’s decision: the Municipality and its fire department were not liable, thanks to their relative immunity, and no gross negligence was proven.

296

Articles in the same category

2026 World Cup: FIFA Can Commercialise the Tournament, But Not Trust

Introduction With 48 teams, 104 matches, three host countries and 39 days of competition, the 2026 World Cup was already destined to make history because of its sheer scale. On the field, with a transformed VAR system (Video Assistant Referee) and FIFA’s new regulations, every player action was subjected to microscopic scrutiny. Off the field, […]

An Insurer Is Not Required to Uncover What the Insured Was Required to Disclose

In Kayembe-Kabeya v. Industrielle Alliance, assurance et services financiers inc., 2026 QCCS 1714, the Superior Court sets the record straight on the principle of contractual “utmost good faith”. The Facts In September 2019, Ms. Ricady Mede (hereinafter “Mede”) purchased a life insurance policy from Industrielle Alliance (hereinafter the “Insurer”). A few months later, she died of […]

When it’s too late for latent defects…

The Superior Court recently rendered a judgment in Reinert v. Construction Maurice Bilodeau Inc., 2026 QCCS 2276, dealing with timeliness to give notice in cases of latent defects. The Facts In 2013, Ms. Sylvie Reinert and Mr. Denis Leclerc retained Construction Maurice Bilodeau Inc. (“CMB”) for the construction of a residential building on a vacant lot in Lévis. […]

Insurance Math: One Claim, Two Fires, Three Points of Origin, Zero Recovery: When Circumstantial Evidence Speaks Louder Than a Confession

In Chatel v. Desjardins Insurance, 2026 QCCS 712, the Quebec Superior Court reaffirmed a principle of insurance law: direct evidence is not required to establish an intentional fault. Mr. Chatel claimed $532,000 under his homeowner’s insurance policy following two fires that occurred four days apart. The first caused partial damage to his residence, while the second […]

The Quarrelsome Litigant: When the Right to Sue Becomes a Scourge

Access to the courts is a fundamental right, but what happens when a person uses it not to assert legitimate rights, but to harass others or clog the system to excess? This is quarrelsomeness: the tendency to exercise one’s right to litigate in an excessive or unreasonable manner. Far from being a marginal phenomenon, it […]

Before Buying a Product, Read This: The Rules Are Changing on October 5!

On October 5, 2026, the final amendments to the Regulation amending the Regulation respecting the application of the Consumer Protection Act (the “Regulation“) are expected to come into force, completing the implementation of the new “good working order” warranty in the province of Quebec. When this warranty applies, the merchant or manufacturer will be required to repair […]