Insurance causation north of the border

I said I was going to make some further observations on the Fifth Circuit's decision in Leonard v. Nationwide this week, but unfortunately yesterday afternoon a construction crew apparently ruptured a natural gas line in downtown Portland, which forced the immediate evacuation of my building. I am not making this up. Like most so-called emergencies, I assumed this was merely an instance of people panicking about little or nothing, and so I intended to continue working, but I was told in unmistakable terms by my firm's safety committee that the evacuation order also included me. Since my secretary is on this committee, and since she had a walkie talkie, which lends a certain authority to any pronouncements and potentially enabled her to report me to whomever was on the other end of the w