Why Ontario Policyholders Choose PAAC Group
When you file a property insurance claim, the system isn’t built to make you whole — it’s built to protect the insurer. Internal ombudsmen, regulators, and “consumer help lines” don’t resolve your loss — they simply tell you to go to court or appraisal. Lawyers and public adjusters can help, but their fees often take a chunk of your payout before you ever see it.
Other options sound helpful — until you see what actually happens:
- Insurer Ombudsmen: employed by the insurer; can’t change settlement amounts and often advise you to pursue appraisal or legal action.
- Government & Regulatory Ombudsmen (FSRA, GIO, OSFI): don’t resolve individual claim disputes — they simply refer you to court or appraisal.
- Lawyers & Public Adjusters: can advocate for you, but typically charge 10–30% of your payout in fees. Those fees come directly out of your repairs, contents, or Additional Living Expenses (ALE) – creating an out-of-pocket shortfall. Because construction costs are negotiated at market value, these advocates can’t inflate claim values to bury their fees, meaning you pay their costs personally.
That’s money you’ve already paid for through your premiums – money that should go to your recovery, not theirs. PAAC is the only path to a fair settlement that keeps your full claim intact.
The PAAC Group Advocacy Model
One team. One process. One fair outcome.
Loss Quantification
Establishes the true, supportable value of your loss using independent data and a defensible methodology.
Public Adjuster
Manages your claim, negotiates with insurers, and ensures all documentation is accurate and fully supported.
Appraisal
Resolves valuation disagreements through a binding process under Ontario’s Insurance Act when disputes arise.
Legal Support
Provides access to licensed insurance lawyers when claims are denied, delayed, or require legal interpretation.
How the PAAC Group Adjuster Process Works
Delivered in partnership with a licensed Ontario Public Adjuster and a licensed Ontario law firm.
1 
Free Claim Review
- Review policy and coverage
- Assess insurer’s position
- Outline recovery strategy
2 
Coverage & Support
- Review exclusions and limits
- Address disputes or denials
- Protect your policy rights
3 
Loss Quantification
- Document all property damage
- Prepare valuations and reports
- Confirm full repair scope
4 
Negotiation & Settlement
- Manage insurer adjusters
- Challenge low settlement offers
- Secure fair compensation
5 
Appraisal (if required)
- If negotiation fails, appraisal
- Select qualified umpire
- Resolve valuation disputes
6 
Restoration & Closure
- Complete repair process
- Ensure code-compliant work
- Restore property and rights
Property Insurance Claims We Handle
Fire & Smoke
Full structural restoration and smoke damage removal.
Water Damage
Floods, leaks, burst pipes, and hidden moisture repairs.
Storm & Weather
Wind, hail, and catastrophic storm recovery.
Full Reconstruction
Complete rebuilds when properties need total restoration.
What Makes PAAC Different
Independent & Transparent – No insurer or vendor ties.
- Evidence-Based – Defensible valuations, code compliance, and documentation.
- No Contingency Fees – Keep your full payout.
- Full-Service – Construction, appraisal, and legal coordination under one roof.
- Ontario-Wide Coverage – Residential and commercial claims across the GTA and province.
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.