Fire & Smoke Damage Restoration in Toronto & Across Ontario

Woman visibly frustrated with her insurance company
Woman frustrated with her insurance company

Fully Independent Fire Damage Restoration Services

When fire changes everything, PAAC helps you take back control. We specialize in large and complex insurance losses, combining construction expertise with claim documentation support — working only for policyholders, never insurers.

What Sets Us Apart in Fire Restoration?

After a fire, it’s common to hear: “Don’t worry, the insurer will take care of everything.” In reality, their role ends once they’ve paid the approved claim — not when your property or life is fully restored.

PAAC goes further. We combine specialized construction expertise with complete loss documentation and guidance, ensuring your recovery is handled fully, safely, and fairly. Every estimate, every repair, every detail is completed to professional standards – not insurer shortcuts. That’s the difference between managing a loss and restoring a life.

Comprehensive Fire & Smoke Damage Restoration Services

Fire damage restoration requires more than cleanup — it requires coordination, technical accuracy, and advocacy. Our specialized team ensures your property is restored correctly, safely, and fully documented for insurance compliance.

Our complete fire & smoke damage restoration services Include:

  • Emergency board-up and structural stabilization
  • Smoke odour removal and deodorization
  • Soot and corrosion cleanup
  • Structural drying and rebuilds
  • Content cleaning, packing, and storage
  • HVAC and air quality restoration
  • Large-loss commercial restoration and reconstruction

Whether residential or commercial, we manage every stage – from emergency response through full rebuild of your home or commercial property – with transparency and documentation that protect your claim.

Comprehensive fire damage restoration
Comprehensive fire damage restoration

How We Help and Why It’s Different With PAAC

Your insurer’s preferred contractor works for them. PAAC works for you – from first inspection to final rebuild.

Emergency Response

Available 24/7, we respond immediately to secure the site, prevent further smoke and soot spread, and protect your property before additional damage occurs — with rapid on-scene coordination.

Remediation

We remove soot, odor, and contamination, prevent secondary damage, and stabilize affected areas using proper cleaning methods and fire-specific restoration systems.

Construction

From framing and structure to finishes and interiors, we rebuild your home or business to pre-loss condition with transparent costs, dependable timelines, and industry-certified workmanship throughout.

Advocacy

We document soot levels, damage patterns, and safety concerns to meet policy standards, and PAAC covers Public Adjuster fees on valid claims we restore.

After the Fire Damage: Your Next Steps with PAAC

A fire can leave you disoriented and unsure of what to do first. These early actions protect your safety and your right to a valid insurance claim:

1

Stay Safe

If structural stability is uncertain or smoke contamination is severe, leave immediately and contact emergency services before re-entering the property.

2

Notify Your Insurer

PAAC helps you report the loss clearly and correctly, ensuring your statement supports your claim and avoids wording insurers may use to limit coverage.

3

Mitigate Damages

We respond quickly to secure openings, prevent soot migration, and document mitigation efforts so insurers cannot deny coverage for failing to protect the site.

4

Document the Damage

PAAC captures detailed photos, videos, and contamination readings to build strong evidence of your loss and support the full scope of required restoration.

5

Prepare Your POL

Our team assembles a policy-compliant Proof of Loss with measured quantities, validated pricing, and complete documentation to prevent delays or underpayment.

6

Reconstruct Properly

PAAC manages cleanup, odor removal, and full rebuilds to pre-loss condition, with transparent costs and construction oversight every step of the way.

Our Promise to Policyholders

You deserve a full restoration — not a budget-driven repair.

PAAC ensures:

  • Every damaged area is assessed, not just insurer-approved scopes.
  • Work meets or exceeds building codes and manufacturer standards.
  • All costs are justified, documented, and claim-compliant.

We restore property and confidence – not just structures.

Fire and Smoke Damage – Frequently Asked Questions

Will my insurer cover full smoke and odour cleanup?

Yes — if properly documented. PAAC ensures all affected areas are identified and verified for full coverage.

Absolutely. You’re entitled to hire your own contractor — your insurer can’t penalize you for it.

No. PAAC is paid the same way as insurer vendors — directly from your valid claim settlement. For fire and smoke claims, that includes structural, contents, and air quality restoration — all covered within your claim scope.

If you contact PAAC before filing your fire claim, our specialists help report it correctly, ensuring all smoke, soot, and structural damage are included from day one. This helps prevent the documentation errors that lead to claim delays or denials.

Under Canadian insurance law — specifically the Statutory Conditions of Ontario’s Insurance Act — the policyholder must prove both that a loss occurred and the extent of the damage. Your insurer’s duty is to evaluate, not to discover or prove, the loss.

Policies also include a “duty to mitigate” clause, requiring you to take reasonable steps to prevent additional damage (for example, covering openings, drying the property, or removing hazards). If you don’t, insurers may deny or reduce payment for preventable damage.

PAAC ensures you meet these legal duties:

  • We document and prove the claim through detailed inspections, estimates, and engineering reports.
  • We mitigate damage immediately, preventing secondary loss and preserving your coverage.
  • We coordinate the Proof of Loss (POL) process, triggering your insurer’s payment timeline.

With PAAC, you stay compliant — and in control of your recovery.

The timeline depends on the severity of damage, insurer approvals, and permit requirements. Emergency mitigation usually starts within 24 hours, while full rebuilds can take weeks to months depending on scope.

Delays often happen when insurers dispute estimates or wait for additional reports. PAAC minimizes downtime by managing documentation, coordinating engineers and adjusters, and pushing for timely approvals. Our independent oversight keeps your claim — and your recovery — moving forward.

Insurers sometimes limit coverage for smoke residue, odour, or secondary water damage. In most cases, these losses are covered if properly documented and linked to the fire event.

PAAC’s technical reports and photographic documentation establish that connection clearly — helping ensure nothing legitimate is left out. If your insurer disputes coverage, our licensed appraisal and loss quantification team can help resolve it fairly and within your policy terms.

Protect Your Rights & Property – Start Here

Don’t let insurers dictate your recovery. PAAC protects your home, your business, and your settlement — 24/7 across Ontario.