Insurance Restoration Company
An insurance restoration company does the emergency work, the cleanup and the repair while keeping the records your insurance adjuster will ask for, and that is exactly what we do across Toronto and the GTA. Assessments and quotes are free, a crew is on site within 45 minutes, 24/7, and Insurance Restoration Company is fully licensed and insured.
Fully licensed and insured
Monday to Sunday: Open 24 hours
What an insurance restoration company does
When a pipe bursts, a basement floods or a fire damages a home, two jobs begin at once. One is physical: stop the damage, dry the structure, clean what can be saved and rebuild what cannot. The other is paperwork: show an insurer what happened, how far it spread and what it takes to put it right. We work for people facing both.
We do not decide whether a claim is accepted. That belongs to your insurer, under your policy. What we control is the quality of the work and of the file that describes it, and we take both seriously. Our crew handles the complete job, not just the first stage, so you deal with one team from the emergency call to the rebuild.
How a claim-driven restoration unfolds
- Call and emergency responseYou phone us, and we begin emergency mitigation to stop further damage. A crew is on site within 45 minutes of the call, at any hour.
- DocumentationPhotos, moisture readings and notes capture the condition of the property before anything is removed.
- Scope and priceA free assessment comes first, then the scope and price are written out for you and your adjuster.
- Work with your adjusterWe provide documentation, answer technical questions and explain the scope.
- Restoration and rebuildDrying, cleaning, contents handling and reconstruction proceed on a clear timeline. We bill your insurance company directly, and we work with all insurance companies, dealing with your adjuster for you.
Where we help
Water damage insurance claims
Records for burst pipes, appliance leaks and flooding.
Learn moreHome insurance and water damage
How the physical work and the claim process fit together.
Learn moreProperty damage claims
Documentation for fire, smoke, storm and mould losses.
Learn moreContents and pack-out
Handling belongings so they are listed and protected.
Learn moreInsurance restoration versus a public adjuster
People searching for an insurance restoration company sometimes also search for a public adjuster, and the two are different. A public adjuster is licensed to negotiate a claim on your behalf. Insurance Restoration Company is a restoration contractor. We are not a public adjuster or a lawyer, and we do not promise a claim result. We do the restoration and keep thorough records, and we work with your insurance adjuster so that the file reflects what the property needed.
Why documentation matters early
Once a wet wall is opened or a damaged floor is discarded, the evidence is gone. That is why we photograph and measure before removal. Notes on the source, the affected rooms, the materials involved and the readings taken during drying all help an adjuster understand the loss without guessing.
What to say when you first report the loss
Your first call to the insurer sets the tone for the claim. Give the date and time you found the damage, what you believe caused it, which parts of the home are affected and what you have done so far to stop it. Write down the name of the person you spoke to and the reference number you were given. Ask what the insurer expects you to do before an adjuster visits. Then phone us, so that the work to protect the building begins while the claim is being set up.
You do not need to have all the answers. If you are unsure about the cause, say so. Estimates and guesses are better described as that than as facts.
The first hour after a loss, in order
- Make the property safe: stop the water, move away from smoke-damaged areas, keep clear of anything electrical.
- Photograph and film everything before it is moved.
- Call your insurer's claims line and note the reference number.
- Call us for emergency protection and a free assessment.
- Keep damaged items that the adjuster may want to see, and ask before you discard anything of value.
- Keep every receipt for emergency costs.
When the claim feels slow
Claims have waiting periods, and you may be asked for the same information more than once. A tidy file helps: dated photographs, readings, a written scope and a log of conversations. If you disagree with a decision, ask the insurer for its final position in writing. Ontario's financial regulator, FSRA, says it needs a final position letter from the insurer before it will review a complaint. These are general pointers and not legal advice.
Areas we serve
Toronto
Restoration company Toronto: water, fire, smoke and mould.
Learn moreMississauga
Restoration company Mississauga: water, fire, smoke and mould.
Learn moreHamilton
Restoration company Hamilton: water, fire, smoke and mould.
Learn moreVaughan
Restoration company Vaughan: water, fire, smoke and mould.
Learn moreOakville
Restoration company Oakville: water, fire, smoke and mould.
Learn moreMarkham
Restoration company Markham: water, fire, smoke and mould.
Learn moreEtobicoke
Restoration company Etobicoke: water, fire, smoke and mould.
Learn moreWho we work with
Insurance Restoration Company works for homeowners, landlords, property managers, condominium corporations and boards, and for the adjusters who manage their files.
Commercial property owners and tenants rely on us after a loss too, from offices and retail units to warehouses and other commercial or industrial buildings.
Questions about working with insurance
Do I have to use the company my insurer suggests?
You choose who does the work on your home. Ask your insurer what they require for your claim, and call us if you would like us to do the restoration.
Will you speak with my adjuster?
Yes. We work with your insurance adjuster and document everything, and you stay informed about each step.
Can you promise my claim will be paid?
No. That decision is your insurer's. We keep the work and the records thorough.
What does the assessment cost?
The visit and assessment cost you nothing. We then put the scope and price on paper for you to share with your insurer.
How long does drying take?
Most structures need 3 to 5 days of drying, and the written scope gives you a specific schedule for your property.
Do you bill my insurance company directly?
Yes. We send our invoice to your insurer, and we work with all insurance companies in Ontario. Your adjuster receives our photos, readings and scope directly.
Are your quotes and assessments free?
Yes. The assessment is free and our quotes are free, with a written scope and price afterwards. We are fully licensed and insured.
Reviews from the team behind Insurance Restoration Company
Insurance Restoration Company is operated by FirstLine Restoration. These reviews were left on Google for FirstLine Restoration, the team that does our work.
“Our home suffered a flood in our upstairs bathroom that travelled throughout the home. Firstline showed up quickly and shut off the flood source. After that, they completed the whole reconstruction process and handled all insurance interactions.”
“Our house flooded, and Firstline came out fast. They were easy to work with, helped deal with insurance, and got everything restored. Really appreciate how smooth they made a stressful situation.”
“Our house flooded and we ended up calling Firstline. They got there fast, walked us through what had to happen, and worked with our insurance company, which helped a lot. The whole thing was stressful, but their team handled it really well and got our home restored.”
“Our warehouse flooded and Firstline got a crew out quickly. They handled the clean up, kept us updated, and helped get the building back in working order. Solid team and easy to deal with.”
“We had a kitchen fire and called Firstline after the damage. They came out quickly, explained the cleanup process, and helped us get things back to normal. It was a tough situation, but their team made it a lot easier to deal with.”
Request a quote
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Start your restoration today
Call us and we will start with a free assessment.
Call now (416) 272-3881