Major Fire, Water, or Property Loss?

PAAC takes control of complex property insurance claims by acting as the licensed contractor and directing claims advocacy in parallel to establish the scope of work and settlement value required to rebuild or pursue a cash settlement.

Focused on large, complex Ontario fire, water, and property loss claims for homes and businesses.

Four Pillars of PAAC Group

One coordinated team across construction, adjusting, appraisal, and legal — keeping your rebuild and claim aligned from day one.

Construction & Restoration

Control the Rebuild

Senior-led mitigation, restoration, and reconstruction performed directly by PAAC – uncovering hidden damage and documenting true construction scope insurers often miss.

Independent Public Adjusting

Prove the Loss

Licensed adjusters supported by construction experts — documenting full scope and negotiating everything owed under your policy.

Property Insurance Appraisal

Resolve Valuation Disputes

Independent valuation when the insurer’s numbers fall short — grounded in real construction costs, not discounted estimating systems.

Property Insurance Lawyer

Enforce Your Rights

Legal intervention backed by technical evidence when claims are delayed, denied, or underpaid.

Testimonials

Trusted by Ontario Property Owners with Major Losses

Proof from real fires, floods, and full rebuilds – where scope, timelines, and outcomes actually matter.

Brampton Residential Fire

Problem: Claim denied on day 3
PAAC: Reinstated coverage; proved full scope
Outcome: $750,000+ settlement

“We had a kitchen fire in the middle of the night and were displaced with our five young children. The next day, the insurer’s contractor told us we had to use them for emergency work. On day three, another vendor warned that if we didn’t allow them to remove the appliance for testing, our policy could be cancelled.

That evening, we received an email from the insurer stating our claim would not be covered. We were overwhelmed and didn’t know what to do.

We contacted PAAC the next morning. They clarified our rights, reported the claim-handling concerns to FSRA, and had their public adjusting partner work to have our coverage reinstated. PAAC also helped us find temporary housing close to our neighborhood, completed the remediation, and rebuilt our home.

Our final settlement – including our structure, ALE, fair rental value, and contents – exceeded $850,000. We are so grateful PAAC was there to protect us.”

Waterloo Water & Mould Loss

Problem: Claim denied; insurer estimated $60k
PAAC: Reopened file; proved hidden damage
Outcome: $216,000+ appraisal award

“We were out of the country when a hot water line burst in our home. When we returned, we found extensive water and mould damage. We reported the loss to our insurer, but the claim was denied.

We contacted PAAC Group immediately. Their public adjusting partner had the insurer reverse their position and reopen the claim. The insurer’s initial estimate for repairs was $60,000, but PAAC’s evidence-based scope showed the real cost was much higher.

Through the appraisal process, the approved amount for our home was set at $216,000 – with policy limits also paid for our additional living expenses and contents. PAAC completed the remediation and full reconstruction.

They also saved us tens of thousands of dollars in advocacy fees. We are absolutely over the moon with the outcome PAAC achieved for us.”

Toronto Commercial Fire

Problem: Insurer denied tenant betterments
PAAC: Proved full scope; denial reversed
Outcome: Full settlement secured

“Our commercial building suffered a suspected arson fire originating from a tenant’s restaurant, which also affected the residential units above. The insurer told us the tenant’s improvements and betterments were not covered and significantly downplayed the damage to the apartments.

We called PAAC. Their team assessed the true extent of the fire and smoke damage in both the commercial and residential units, and their legal partner successfully reversed the insurer’s position regarding betterments coverage. PAAC handled the full remediation and repairs for both areas.

Through the appraisal process, the loss was resolved for more than $550,000. PAAC’s team was fast, efficient, and saved us well over $150,000 in tenant betterments. Their legal partner’s fees were fair and reasonable. We could not have achieved this result without PAAC.”

Mini Case Snapshot

Major Fire Loss – Aylmer | Commercial + Residential Building

  • Insurer’s estimate: $340,000
  • PAAC-proven scope: $1,320,000

Key missing items identified:

  • Rebuild of a three-wythe masonry wall
  • Replacement of non-compliant stairs
  • Correct fire-separation, HVAC, and electrical layout

PAAC completed the full rebuild. (Public Adjusting was provided by another firm.)

Outcome: Full settlement secured + reconstruction delivered.

The Claim Responsibility Myth – Exposed

That you, not the insurer, are responsible for managing your claim, choosing your team, and proving the full scope of loss.

Because if you understood your actual responsibilities, you wouldn’t rely on their preferred contractor network – a system designed to control scope and keep payouts low.

What insurers promise in advertising and what your policy truly requires are opposites. They say “we’ll take care of everything,” but the contract puts the responsibility on you.

Your Legal Responsibilities

Prompt notice starts the claim process and preserves your rights.

You are responsible for stabilizing the damage and selecting who manages the repairs.

Under Ontario law, the burden of proof rests with the policyholder — including scope, cause, and value of damage.

Where PAAC Protects You

The earlier PAAC is involved, the stronger and faster your recovery will be.

As a licensed contractor running claim advocacy in parallel, PAAC stabilizes the damage, documents full construction scope from day one, and protects your entitlement — so your settlement reflects the true cost of restoring your property and avoids delays that derail most large claims.

Why Our Construction Expertise Determines Your Settlement

If the scope is wrong, the settlement is wrong — and the rebuild fails.

The #1 dispute in property insurance claims is scope and valuation.

Insurers use vendor networks designed to minimize cost. Adjusters and lawyers can argue numbers, but without construction expertise, they cannot:

  • Prove hidden damage
  • Document mandatory code requirements for lawful occupancy
  • Establish real market construction costs

PAAC closes this gap – because construction evidence is the foundation of your claim.

Our Difference

With PAAC, you’re hiring a licensed contractor that integrates mitigation, restoration, valuation, and claim advocacy into one coordinated recovery system built for major losses.

We:

  • Level the field against insurer-controlled vendors
  • Deliver high-quality, lawful, code-compliant reconstruction
  • Manage the entire technical file and rebuild sequence
  • Provide integrated advocacy without contingency-driven conflicts

Your loss is fully documented, fully rebuilt, and supported by the settlement required to do it.

Property Insurance Claims We Handle

Large and complex losses where scope accuracy and construction quality determine outcomes.

Fire & Smoke

Full structural restoration, smoke removal, and reconstruction after major fire events.

Water Damage

Significant flooding & water damage requiring professional mitigation and rebuild.

Storm & Weather

Severe wind, hail, impact, and catastrophic storm losses affecting structure, envelope, or safety.

Full Reconstruction

Complete rebuilds when properties require total restoration or when hidden damage expands the scope.

Transparent Fees & Fair Pricing

Full advocacy included when PAAC restores your property.

When PAAC Restores Your Property

PAAC is paid from the claim settlement as the performing contractor, just like insurer-preferred vendors — but we work exclusively for the policyholder. Our construction team also covers all public adjusting fees, providing full advocacy and oversight at no added cost.

If Your Use Another Contractor or Don’t Repair

PAAC offers flat or hourly fees — never the 10–30% contingencies charged by traditional adjusters or lawyers. Your fee doesn’t increase as your settlement grows.

Why This Matters

Our integrated model greatly reduces or eliminates out-of-pocket expenses and keeps more of your recovery where it belongs: with you.

*Contingency is available upon request, though we recommend flat or hourly fees to protect your recovery.

Transparent fees and fair pricing

Frequently Asked Questions

Will my insurer cancel my coverage if I hire PAAC instead of their preferred vendors?

No. Ontario law protects your right to use your own contractor, adjuster, and experts. Insurers cannot cancel or non-renew your policy for hiring independent help.

Yes. PAAC is a licensed contractor. When a policyholder intends to rebuild or repair, PAAC can act as the contractor while also directing claims advocacy in parallel.

Policyholders are not required to rebuild with PAAC, but many choose to do so because aligning claim advocacy and construction from the start helps prevent settlement shortfalls that can leave insufficient funds to complete the rebuild.

If PAAC restores your property, there is no added cost – advocacy fees are covered by the construction side of your claim. If you use another contractor, we offer flat or hourly rates. No percentages.

Insurer vendors follow insurer guidelines. PAAC works only for you – proving the full scope of loss and ensuring repairs are done right.

Most adjusters and lawyers can argue numbers – but they can’t prove damage without construction expertise. PAAC integrates adjusting, legal, appraisal, and construction, giving you one coordinated recovery team.

PAAC can escalate through negotiation, appraisal, and legal channels – all within one system – to ensure your full entitlement is supported.

Yes. PAAC operates as a licensed contractor.

Public adjusting and legal representation are provided through licensed independent partner. Insurance appraisal does not require a specific license; however, appraisal services are conducted by experienced professionals familiar with large-loss property claims and policy requirements.

Blogs and Insights

Appraisal & Insurance Law

Clear explanations of how appraisal works, when it applies, and how Ontario courts interpret “matters in disagreement.”

Claims Practices & Industry Conduct

Insights on insurer-controlled processes, vendor networks, and how they affect fairness and full indemnity.

Fire, Smoke, & Environmental Damage

Understanding how fire, smoke, water, and contaminants impact structural integrity, materials, and total repair scope.

Building Science & Damage Assessment

High-level guidance on identifying true property damage, code requirements, and how structural issues affect cost and safety.

Policyholder Strategy & Claim Outcomes

Essential knowledge for protecting your rights, supporting full recovery, and avoiding insurer-driven pitfalls.

Contact PAAC Group

Speak with a senior recovery specialist at PAAC – a licensed contractor delivering mitigation, reconstruction, and claim advocacy for major fire, water, and property losses across Ontario.