This time the damage didn’t happen to someone else, it happened to you. You’ve suffered a major loss. Frozen pipes in your home. A fire in your restaurant. A tree through your roof. Now what? Call your insurance company? Yes. You can be assured they will put their finest adjuster on the project to negotiate the best settlement for them. Remember, your insurance carrier has their best interest in mind – not yours – and there can be a large discrepancy between the amount of money you are offered, and the amount you deserve. 

Fire Loss, Ottawa, ON

Carrier: BMO Insurance.
Commercial Hotel. Heavy fire caused by an explosion in electrical panel.

$921,000.00
$1,083,431.37
18% increase

First offer:
Final settlement:
$162,431.37 gain

Water Loss, Wainfleet, ON

Carrier: Underwriters at Lloyd’s.
Commercial banquet room. Heavy fire.

Fire Loss, Toronto, ON

Carrier: Liberty Canada Life Insurance Company.
Single family home. Heavy fire in a two and half story wood frame home.

First offer:
Final settlement:
$97,240.85 gain

$302,759.15
$400,000.00
32% increase

$188,600.61
$245,517.39
$283,548.39
50% increase

First offer:
Second First offer:
Final settlement:
$94,947.78 gain

 

Fire Loss, St Catharines, ON

Carrier: Desjardins Insurance.
Single family home. Heavy fire in a family residence. Total loss.

First offer:
Second First offer:
Final settlement:
$ 99,089.20 gain

$189,910.80
$284,997.40
$289,000.00
52% increase

Water Loss, Fire Exposure,
Wheatley, ON

Carrier:Desjardins Insurance Company
Commercial office. Heavy water damage in a custom furniture showroom.

First offer:
Final settlement:
$ 351,675.51 gain

$22,390.76
$374,066.27
1570% increase

Water Loss, Toronto, ON

Carrier: SSQ Insurance
Apartment building. Out of state client suffered water damage due to frozen pipes in a senior citizen apartment building.

$ 91,594.26
$117,882.50
$118,760.78
30% increase

First offer:
Second First offer:
Final settlement:
$ 27,166.52 gain

 

Fire Loss, Toronto, ON

Carrier: Manulife.
Single family home. Serious fire in a home occupied by a senior citizen.

$338,066.45
$408,967.87
20% increase

First offer:
Final settlement:
$ 70,901.42 gain

Fire Loss, Brampton, ON

Carrier: Equitable Life of Canada.
Fire in several units of a multi-unit apartment building.

$106,283.89
$143,642.61
$219,180.11
106% increase

First offer:
Second first offer: 
Final settlement:
$ 112,896.22 gain

Fire Loss, Brampton, ON

Carrier: Manulife Insurance Company.
Single family home. Heavy fire in high-end one-family residence.

$855,189.87
$1,391,000.00
63% increase

First offer:
Final settlement:
$ 535,810.13 gain

 

Fire Loss, Toronto, ON

Carrier: BMO Insurance Company.
Commercial building. Heavy fire on all floors of a commercial building. Total loss.

$38,101.75
$60,056.59
$75,000.00
97% increase

First offer:
Second first offer: 
Final settlement:
$ 36,898.25 gain

Fire Loss, Brampton, ON

Carrier: BMO Insurance .
Single family home. Major house fire on all floors of a single family home.

$255,428.85
$274,461.84
$300,271.11
18% increase

First offer:
Second first offer: 
Final settlement:
$ 44,842.26 gain

Fire Loss, Wainfleet, ON

Carrier: Canada Protection Plan .
Single family home. Heavy fire in a luxury home.

$154,274.01
$190,492.33
24% increase

First offer:
Final settlement:
$ 36,218.32 gain

 

Fire Loss, Wainfleet, ON

Carrier: Sun Life Insurance Company.
Single family home. Generator fire caused damage to rear of structure.

First offer:
Final settlement:
$ 342,544.15 gain

$ 403,278.72
$ 745,822.87
85% increase

 

Fire Loss, Toronto, ON

Carrier: Sun Life Insurance.
Fire began in the basement of a high-end home.

First offer:
Second offer: 
Final settlement:
$ 475,796.88 gain

$ 272,754.63
$ 547,226.95
$ 748,551.51
174% increase

 

Fire loss, Brampton, ON

Carrier: Tugo Insurance.
Single family home. Heavy fire started in the basement (per fire report: child playing with matches). Parts of first floor collapsed into basement, filling basement with water. 

First offer:
Second offer:
Final settlement: 
$ 109,338.20 gain

$ 291,744.12  
$ 376,110.74
$ 401,082.32
37% increase

Fire Loss, Toronto, ON

Carrier: NJM Insurance Company.
Heavily involved fire. Million dollar home.

First offer:
Second first offer: 
Final settlement:
$ 205,520.54  gain

$ 403,042.71  
$ 476,828.17
$ 608,563.25
51% increase

Fire Loss, Wheatley, ON

Carrier: Ameriprise Insurance Company.
Single family home. Brush fire extended to residence causing heavy house fire.

First offer:
Final settlement:   
$ 113,460.63 gain

$ 260,556.52
$ 374,017.15   
44% increase

 

Fire loss, Wainfleet, ON

Carrier: MSH Insurance.
Heavily involved fire at a single family home.

First offer:  
Second offer:
Final settlement:   
$ 110,148.09 gain  

$ 75,203.55
$ 139,166.54
$ 185,351.64
146% increase

 

Fire loss, Wainfleet, ON

Carrier: Sun Life Insurance.
Heavily involved fire in a single family home.

First offer:
Second offer:  
Third offer:   
Final settlement:
$ 105,749.92 gain

$ 162,919.53
$ 247,883.00
$ 262,810.32
$ 268,669.45
65% increase

Fire loss, Wainfleet, ON

Carrier: Sun Life Insurance.
Theft/Vandalism loss caused by a previous property owner. 

First offer:
Final Settlement:
$ 253,992.77 gain

$  42,496.39
$ 296,489.16
600% increase

 

Windstorm/Collapse, Toronto, ON

Carrier: BMO Insurance.
Building Coverage: $ 282,800. Collapse of siding and brick façade of a 2-story commercial/ residential building.

First offer:
Second offer:   
Final Settlement:   
$ 178,922.81 gain

$ 126,654.23  
$ 139,107.58  
$ 305,577.04    
141% increase