Construction, Rebuilds & Structural Repairs for Insurance Claims in Ontario

When disaster strikes, you need more than a restoration company – you need a construction advocate who works for you, not your insurer.

At PAAC Construction, we specialize in large-loss rebuilds and structural repairs – completing the rebuild and the advocacy in parallel to ensure the claim supports the full scope and restores your property to its true pre-loss condition.

Property loss construction rebuilds
Property loss construction rebuilds

Complete Construction, Rebuilds & Structural Repairs

PAAC provides complete construction and rebuild services for policyholders across Ontario. From emergency stabilization to full structural reconstruction, every large-loss project is personally managed by experienced construction managers and completed by licensed, certified trades – never temporary labour.

We specialize in:

  • Full home or building rebuilds after fire, flood, or storm
  • Foundation, framing, and structural repairs
  • Roof structure and truss reconstruction
  • Load-bearing wall and beam restoration
  • Large additions and reconfigurations after damage
  • Commercial and multi-unit property reconstruction
  • Code-compliant modernization and upgrades
  • Ontario building code, permit, and inspection management

Every project is delivered to meet or exceed Ontario Building Code standards with transparent documentation, professional oversight, and quality assurance at every step.

Our Process – Rebuild with Advocacy and Peace of Mind

1

Assessment & Claim Review

  • Full on-site inspection to document all visible damage
  • Expert verification of conditions and repair requirements
  • Claim documentation coordinated with your Public Adjuster

2

Demolition & Site Preparation

  • Safe removal of damaged materials throughout the property
  • Immediate stabilization to prevent additional loss or hazards
  • Photo documentation completed to support claim accuracy

3

Estimate & Scope Approval

  • Transparent category-based estimating for every repair item
  • Real construction costs used, not restrictive insurer pricing
  • Full repair scope prepared and defended for proper approval

4

Permits & Project Planning

  • All drawings, permits, and compliance documents prepared
  • Engineering reviews and required sign-offs fully coordinated
  • Clear project schedule and timelines provided before work

5

Construction & Management

  • Licensed trades assigned and supervised on every task
  • Dedicated construction manager overseeing daily progress
  • Real-time project updates provided through our CRM system

6

Finishing & Quality Completion

  • Final inspections and approvals completed before turnover
  • Finished to verified pre-loss condition or improved quality
  • Warranty details and full claim-closure support provided

Why Choose PAAC for Major Repairs

Expertise

Specialized knowledge in major structural rebuilds, complex damage events, and full-scale property recovery.

Coordination

Insurance coordination managed independently from the insurer, ensuring your interests are protected throughout.

Certified

Certified and insured trades delivering reliable workmanship, consistent quality, and fully accountable results.

Accountable

One dedicated team handling every stage of the project, with no outsourcing and no added confusion.

Transparency

Progress, costs, and updates clearly communicated and fully managed through our secure CRM platform.

Who We Work With

  • Policyholders and homeowners
  • Property managers
  • Public adjusters and lawyers
  • Commercial and industrial property owners
  • Institutional and municipal facility managers

PAAC works exclusively for policyholders, never for insurance companies. We protect your interests, establish the correct scope, and deliver rebuilds that meet or exceed pre-loss condition — free from insurer influence or compromise.

Construction rebuild financing
Construction rebuild financing

Financing Options – Rebuild Without Waiting

Insurance delays aren’t accidental – they’re strategic. Insurers often withhold advance payments to apply pressure, pushing policyholders to accept reduced settlements.

Under Ontario’s Insurance Act, payment isn’t required until a Proof of Loss (POL) is submitted – and even then, insurers have up to 60 days to respond. Many use ‘scope reviews’ or ‘clarification requests’ to stall legitimate claims.

PAAC removes that leverage. Whether residential or commercial, our independent financing partners provide immediate funds so work starts now – not when your insurer decides.

We file and document your Proof of Loss quickly and accurately, triggering the insurer’s payment timeline and preserving your rights. PAAC also issues formal notice confirming your lending terms, ensuring financing costs are recoverable if delay or bad-faith handling is proven.

No waiting. No pressure. No compromise — PAAC restores your property and your leverage.

Construction, Rebuilds, and Structural Repairs for Insurance Claims – Frequently Asked Questions

Can I choose my own contractor after an insurance loss?

Yes. In Ontario, you have the legal right to choose your own contractor. PAAC works only for policyholders, ensuring your rebuild reflects your interests — not the insurer’s.

No. PAAC is paid directly from your approved insurance settlement — no out-of-pocket cost to you. We often recover more of your entitled claim value, ensuring full restoration and higher quality workmanship.

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. 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.

Preferred vendors answer to insurers, not property owners. PAAC is independent, using bottom-up estimating and Ontario Building Code standards to ensure complete, code-compliant restoration — not insurer shortcuts.

Yes. We prepare and submit all claim documentation and the Proof of Loss with your Public Adjuster or lawyer, ensuring nothing is missed and every item is justified.

Our independent financing partners fund rebuilds immediately — so work begins before insurer payment. We file your Proof of Loss quickly, trigger the insurer’s payment timeline, and protect your financial position if delays occur.

We rebuild homes, multi-unit buildings, commercial, industrial, and municipal properties — managed by construction managers and completed by licensed trades.

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.