By Karen L. Weslowski and Lara Jung ( December 23, 2024, 3:08 PM EST) -- Karen Kerk was the designated insured under a home insurance policy (the policy) issued by Security National Insurance Company (the insurer). In 2016, Kerk and her spouse, Daniel Courtney (the applicants) sold their home in Gorham, Ont. (the property) to Danielle Fex and Robert Duncan (the purchasers). Despite Courtney’s representations that there were no water issues impacting the property, the purchasers soon discovered ice damming and mould growth in the home....