Insurance Claim Advocacy for Large Property Losses

PAAC provides insurance claim advocacy grounded in construction evidence — ensuring your settlement reflects the true scope and cost required to restore your property lawfully.

We focus on large, complex losses across Ontario where scope accuracy determines whether a rebuild succeeds or fails.

Why Policyholders Need Advocacy

Insurance policies place key responsibilities on the policyholder: to mitigate damage, prove the loss, and restore the property.

Yet claim outcomes are often shaped by early scope decisions and estimating assumptions that do not reflect real construction conditions.

Without independent, construction-informed advocacy, critical damage, code requirements, and rebuilding realities can be missed — leading to underfunded settlements and compromised repairs.

PAAC exists to close that gap.

What Advocacy Means at PAAC

Advocacy at PAAC is not argument – it is proof.

PAAC establishes the full construction scope required to achieve lawful occupancy using real-world building standards, site conditions, and technical evidence.

This construction-led proof supports:

Most advocacy debates numbers. PAAC proves the loss.

Fair and transparent

The Four Advocacy Pillars

PAAC advocacy guides policyholders to the right support at the right time — all driven by construction evidence.

Loss Quantification

PAAC uncovers and documents the full scope of damage using construction expertise, not assumptions.

Public Adjuster Support

Licensed adjusters negotiate from a complete, defensible scope grounded in real rebuilding requirements.

Appraisal Advocacy

When valuation disputes arise, PAAC provides independent construction evidence to support fair valuation.

Legal Support

If entitlement or coverage is challenged, PAAC’s technical file supports efficient legal resolution.

Each pillar relies on the same foundation: accurate construction scope.

Case Proven Outcomes

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.”

These outcomes are achieved by proving what the rebuild actually requires — not by negotiating assumptions.

Advocacy Backed by Construction

PAAC does not advocate from a desk. We advocate from the job site.

By proving the full construction scope early and continuously, PAAC protects the settlement, the rebuild, the timeline, and the policyholder’s rights.

Start with the evidence. Build with certainty.

Advocacy

Get Help Before It’s Too Late

Ontario’s Insurance Act has strict timelines — missing one can limit your recovery. Start now with a free, confidential claim review. No fees. No obligation.