Public Adjuster Advocacy for Large-Loss Property Claims

A Public Adjuster is a licensed insurance claim professional who represents the policyholder in the settlement of complex property insurance claims.

This page outlines a construction-aligned public adjusting model that addresses hidden damage, code compliance, and rebuilding requirements that can arise both before and after settlement.

Why Policyholders Need Independent Representation

Insurers promote a “start to finish” process, but your policy places the burden of proof on you, not them.

Without independent representation:

  • insurer vendors shape the scope
  • hidden damage goes unrecorded
  • repair costs are minimized
  • disputes and delays escalate
  • out-of-pocket costs increase

A traditional Public Adjuster documents the loss – PAAC strengthens it with construction-based evidence and integrated support.

Why Public Adjusting Alone Isn’t Enough — and Where PAAC Fits In

Traditional Public Adjusters work alone.

PAAC works as a coordinated recovery system that strengthens every part of your claim.

Construction-Led Scope

Our construction team uncovers hidden damage, code issues, and real repair requirements that Public Adjusters cannot identify alone.

Integrated Support

Our licensed Public Adjuster partner works directly with PAAC’s construction, appraisal, and legal experts for a unified strategy.

No Added Advocacy Cost When PAAC Rebuilds

When PAAC completes the rebuild, our public adjusting advocacy is included at no additional cost.

We empower our public adjusting partners with construction-grade evidence and coordinated recovery support.

How PAAC’s Public Adjusters Protect You During Construction

Unlike traditional Public Adjusters who take their fee and leave you on your own before construction begins, PAAC’s Public Adjusters work in parallel with our construction team from day one — ensuring you reach lawful re-occupancy without gaps, delays, or funding shortfalls.

Insurers are kept away from our construction team.

Your Public Adjuster manages all communication so insurer vendors cannot influence scope, methods, or timelines.

The proven scope flows directly into the rebuild.

No re-interpretation by the insurer. What we establish as the amount of loss is what gets built.

Supplemental findings are handled instantly

If hidden damage, code triggers, or structural conditions appear, your Public Adjuster prepares and negotiates supplements in real time — keeping construction moving without dispute-driven delays.

Funding remains stable throughout the rebuild

The Public Adjuster remains involved after settlement to help address insurer questions, inspections, or payment issues that can arise during reconstruction.

You stay fully supported until lawful re-occupancy

PAAC’s adjusting team and construction division stay aligned until the property is properly restored and legally occupiable — not just until a cheque is issued.

The PAAC Difference

They stay embedded in the rebuild to protect your entitlement, your funding, and your recovery — all the way to completion.

Case-Proven Results

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.”

Transparent Fees – Clear and Simple

When PAAC Rebuilds:

  • Public adjusting advocacy fees are included at no added cost, fully absorbed by the construction division.

If You Use Another Contractor:

  • Flat or hourly — not 10–30% contingency.
  • This protects your recovery and keeps more of your settlement with you.

Frequently Asked Questions

Can I use PAAC instead of insurer-preferred vendors?

Yes. Ontario law protects your right to choose your own contractor or recovery team.

No. Proper documentation prevents delays caused by missing scope or inaccurate estimates.

If PAAC rebuilds: no added advocacy cost.

If not: flat or hourly fees.

PAAC provides construction-backed evidence, and when necessary, appraisal or legal options.

Yes – but using another contractor means advocacy becomes an out-of-pocket cost, and proving scope typically becomes slower and more expensive.

When PAAC rebuilds, public adjusting advocacy fees are included at no added cost, and the proven scope is fully supported throughout reconstruction.

The Smartest First Step After a Large Loss

You only get one opportunity to document and prove the full scope of your loss. PAAC brings construction, adjusting, appraisal, and legal expertise together from day one.