When does the 2-year limitation period start in Ontario?
It starts from the date you knew or ought to have known that (1) the loss occurred, (2) the loss was caused by the defendant's act, (3) the loss is worth suing for, and (4) a proceeding is the appropriate remedy. This is called the discovery rule.
What if I discover the problem after 2 years?
The discovery rule may extend the starting point. However, the ultimate limitation period in Ontario is 15 years from the act/omission — no claim can be brought after that regardless of discovery. Consult a lawyer if you're near a limitation period.
Does the limitation period pause for minors?
Yes. In Ontario, limitation periods are tolled (paused) while a plaintiff is a minor (under 18) or is incapable of managing their affairs.