Resources for Ontario Policyholders

Knowledge is power — especially when the burden of proof is on you, not your insurer. PAAC’s resource centre gives Ontario homeowners and business owners the tools to understand, document, and defend their insurance claims with confidence.

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Fire, Smoke, & Environmental Damage

Clear explanations of how fire, smoke, water, and contamination affect structures—and what true restoration requires.

FAQs — Fast Answers for Policyholders


No. You have the right to choose your own restoration company. PAAC works only for policyholders — not insurers.

You do. That’s why PAAC’s model exists — we handle documentation, proof, and compliance for you.

Delays can reduce payment. PAAC responds 24/7 to help you meet your ‘duty to mitigate’ and protect coverage.

No. When PAAC restores your property, we cover the Public Adjuster’s fee on valid claims — at no cost to you or the insurer.

Most claims close within weeks when PAAC manages the documentation and valuation.

Why PAAC Shares These Resources


In Ontario, you must prove and mitigate your loss – but you shouldn’t have to do it alone. PAAC provides the tools, the knowledge, and the team to protect your claim from day one.

Knowledge is protection. PAAC is your advocate.

Contact PAAC Group to get started!