I call the meeting to order.
Good morning, fellow members and witnesses.
Today is meeting number 20 of the Standing Committee on Environment and Sustainable Development. This meeting is taking place in a hybrid format and is in public.
We have witness testimony for two hours.
For those attending in person, please follow the health and safety guidelines found on the cards on the table to prevent audio feedback incidents.
For the witnesses, you'll be seeing this yellow card go up, indicating that you have one minute left to speak. When you see this side, I'll ask you to quickly complete your sentence so that we can move on.
The committee is beginning its study on protecting Canadian residents from extreme weather events.
This morning, we are meeting with the following witnesses.
From Aviva Canada, we have Mrs. Susan Penwarden, managing director of personal lines, who is appearing virtually; from the Institute for Catastrophic Loss Reduction, we have Paul Kovacs, founder and executive director, and Madame Sophie Guilbault, director of partnerships; and from the Intact Centre on Climate Adaptation at the University of Waterloo, we have Mr. Blair Feltmate, head.
The witnesses will have five minutes per organization for opening statements.
We will start with Susan Penwarden.
You have up to five minutes.