一家多伦多买主在同意购买烧毁房屋时失去了25K美元的存款,法院裁定卖方没有义务弥补保险不足。 A Toronto buyer lost his $25K deposit when a home he agreed to buy burned down, and the court ruled the seller wasn’t obligated to cover the insurance shortfall.

一家多伦多买方在775 000美元的住宅之后损失了25 000美元的存款,他同意在安大略省房地产协会签订标准合同20天后购买被烧毁的房屋。 A Toronto buyer lost his $25,000 deposit after the $775,000 home he agreed to purchase burned down 20 days after signing a standard Ontario Real Estate Association (OREA) contract. 卖方的保险为重建提供了749 375美元,但维修费用估计为973 813美元。 The seller’s insurance offered $749,375 toward rebuilding, but repair costs were estimated at $973,813. 买方要求得到一项保证,即保险将涵盖卖方破产财产被卖方拒绝的关闭前的重建。 The buyer demanded a guarantee that insurance would cover reconstruction before closing, which the seller’s estate refused. 安大略高等法院裁定卖方胜诉,指出OREA条款只给买方两个选择:取消并收回押金,或者继续并按原样接受保险付款。 The Ontario Superior Court ruled in favor of the seller, stating the OREA clause gives buyers only two choices: cancel and get the deposit back, or proceed and accept the insurance payout as-is. 法院认为,买方不能单方面要求担保或重写合同条款,卖方没有义务确保保险收益支付重建费用。 The court held that buyers cannot unilaterally demand guarantees or rewrite contract terms, and sellers are not obligated to ensure insurance proceeds cover rebuild costs. 该决定强调,买方必须在损失发生后迅速采取行动,卖方必须及时提供保险信息,但不提供担保,而且全额重置价值保险至关重要。 The decision emphasizes that buyers must act quickly after a loss, sellers must provide timely insurance information but not guarantees, and full replacement value coverage is critical. 本案确认,标准房地产合同保护买方不被迫购买受损财产,但不要求卖方弥补保险付款的短缺。 The case confirms that standard real estate contracts protect buyers from being forced to buy damaged property but do not require sellers to cover shortfall in insurance payouts.