Nunavut’s Insurance Act contains an appraisal provision for contracts that specify how certain matters are to be decided when an insurer and insured disagree.
Section 45 Requires an Applicable Insurance Contract Condition
Section 45 describes appraisers appointed by each side, an umpire to address remaining differences and the allocation of costs. A policy must contain the relevant condition for this general statutory framework to apply to a specific dispute.
From the official source
“the two appraisers shall appoint an umpire.”
Nunavut Insurance Act, Section 45(2)
Important distinction: A vehicle damage valuation question is different from a coverage denial, and local service or inspection availability cannot be assumed.
Practical Next Steps
How to Review a Disputed Vehicle Valuation in Nunavut
01
Identify the policy and insured vehicle
Check the effective insurance documents, loss date and vehicle identifiers.
02
Request the valuation methodology
Ask for subject-vehicle condition records and the basis for any comparable or location adjustments.
03
Review the policy condition
Confirm whether the disputed vehicle value is an item the applicable contract submits to appraisal.
04
Consider an independent valuation
Discuss available research and possible formal appointment only after confirming scope, costs and jurisdictional requirements.
Appraisal Evidence
What Can Strengthen a Valuation Review?
For remote communities, research should explain availability, transportation, timing and the comparability of replacement vehicles instead of mechanically importing Southern Canada list prices.
The insurer's complete written offer and market valuation report
Vehicle identification, exact model and trim, options, kilometres and condition
Listings or other evidence that genuinely match the subject vehicle
Documentation of material repairs, upgrades or disputed deductions
The conditional section addresses payment of appointed appraisers and shared expenses for the umpire; the precise assignment and costs must be checked.
IA Reports can discuss appropriate independent valuation work after confirming assignment scope, availability, authorization and applicable local requirements.
Common Questions
Nunavut Valuation Dispute FAQs
Is every Nunavut policy subject to Section 45 appraisal?
No. The provision is conditional on an applicable appraisal clause in the insurance contract.
Can a valuation be completed remotely?
Depending on documentation and the assignment, remote research may be possible. Any inspection or local evidence requirements must be agreed before acceptance.
What documents should I request before an independent appraisal?
Start with the complete written offer, the underlying vehicle valuation and the evidence supporting the amount in dispute. Section 45 is tied to the policy’s appraisal condition; confirm the governing policy and realistic market evidence for the specific location.
Request an initial review of a written total-loss valuation, or ask about an independent appraisal for another defined purpose. We will clarify the assignment scope and any fees before engagement.
Source list updated 5 November 2026. Confirm the current law, the insured policy and its endorsements, and the loss date before relying on a formal process. Prepared by IA Reports for vehicle-appraisal education; not legal or coverage advice. No settlement result or eligibility is guaranteed.
