Independent Public Adjuster Advocacy – Get the Settlement You’re Entitled To
Why Policyholders in Ontario Need a Public Adjuster
By law in Ontario, you are responsible for proving your loss — something most policyholders don’t realize.
Most insurers advertise: “We’ll take care of everything.” The truth? That message is designed to save them money, control the process, minimize their risk, and even deny claims — not to maximize your recovery.
Without independent Public Adjuster support, you risk:
- Lowball settlement offers well below actual repair costs
- Delays and red tape that create stress and financial pressure
- Insurer-preferred vendors who cut costs at your expense
Our Difference
With PAAC, you don’t just get a Public Adjuster — you get a full team. Our licensed Ontario Public Adjuster partner, Ontario law firm, and construction experts work together to:
- Protect your rights and secure your full indemnity under the policy
- Lower your costs with a $0 Public Adjuster fee if PAAC completes the repairs, or flat/hourly fees if not
- Strengthen your claim with proper loss quantification, code compliance, and legal backup for coverage disputes
Related Blog: FSRA’s UDAP Rules: Why Ontario Consumers Are Still Left Unprotected >
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
Why Choose PAAC as Your Public Adjuster Partner
Hiring just a Public Adjuster helps prove your loss – we go further with a stronger team model that gives you more leverage against insurers:
- Public Adjuster expertise + Ontario law firm partnership – for both settlement negotiations and coverage disputes/denials
- Construction knowledge – true damage scope, proper method of repair, building code compliance, and occupancy requirements
- Independent advocacy – no insurer or vendor ties
- Lower fees – $0 if PAAC rebuilds, flat/hourly if not, never 10–30% contingency
- Seamless claim-to-rebuild solution – one team from first notice of loss to full restoration
With PAAC, you’re not just hiring a Public Adjuster – you’re hiring a team that combines insurance, construction, and legal strength to maximize your recovery.
The PAAC Public Adjuster Advantage
Most Public Adjusters work alone. PAAC delivers a hybrid model that unites Public Adjuster services with construction and legal expertise:
Licensed Adjuster
Our licensed Public Adjuster partner manages your claim, documentation, and insurer negotiations.
Loss Quantification
Our loss quantification team establishes accurate values, verifies repair scope, and ensures code-compliant documentation.
Legal Support
Provides access to licensed insurance lawyers when claims are denied, delayed, or require legal support.
Restoration Option
PAAC completes your rebuild with compliant construction standards and $0 Public Adjuster service fees.
Simple, Transparent Fees – No Surprises
We believe in clear, upfront pricing:
- If PAAC completes the repairs: Public Adjuster fees $0
- If you choose another contractor or decide not to rebuild: Flat or hourly fees, disclosed in writing
- What you avoid: Other firms typically take 10–30% of your settlement
Frequently Asked Questions
The Smartest Choice You’ll Make After a Losss
Insurers fight to cut costs. We fight to secure your full indemnity. Don’t risk leaving money on the table — request your free claim review.