1 Please demonstrate that those acting against the protesters are doing so on the basis of race . 2 I ' m mixed race , so I ' m not sure which privilege or lack thereof you ' re referring to . I ' m surprised you know more about me than I do . <| sep |> I can only speak for Ontario , but a homeowners claim such as this would not be settled dependant on a judge addressing liability . Insurers settle every day based on the current estimate of risk assessing potential liability given the evidence available . They would only proceed towards trial without payment if they were certain a judgejury would not find them liable or if evaluation of damages was contested . Very few claims ever go near a judge . I also have to disagree with the comments about loss of income . This can often be one of the most easily quantified types of damage and could be the entire basis for a settlement . I ' m speaking specifically regarding Ontario here I work in insurance settling civil lawsuits relating to injuries from car accidents .