Do I have to use the contractor my insurance company recommends in Ontario?

No. By law in Ontario, you have the right to choose your own restoration contractor. Insurance companies often push preferred vendors because they agree to discounted rates, which can result in lower-quality materials and rushed labor. We work directly for you, not the insurer.

What should I do if my insurance adjuster's payout offer is too low?

Do not accept a lowball offer or sign a final release. Contact an insurance claim advocate immediately. We provide a FREE claim review to identify missing line items—like mandatory building code upgrades and hidden water damage—that adjusters frequently overlook.

How much does it cost to hire an insurance claim advocate for my home?

At CMY Renovations, we charge zero upfront out-of-pocket fees. We work on a contingency basis, meaning our fee is just 20% of the additional funds we secure for your claim. If we don't find missing money, you pay us nothing for the review.

CMY Renovations | Insurance Claim Advocates & Restoration Experts

Insurance Claim Advocates in the GTA

Step 1

20% more

We Find What They "Missed" in Your Insurance Claim.

Adjusters routinely leave critical items off their reports.

We investigate the damage and draft comprehensive scopes to expose hidden costs—from water damage to code upgrades. On average, we secure an additional 20% more so your GTA home is restored correctly.

Insurance restoration scope verification to maximize homeowner claims

Step 2

No Upfront Costs. We Win When You Win.

You shouldn't have to pay out of pocket to fight a billion-dollar insurance company.

Free Initial Review: We analyze your adjuster's claim at no cost.
Contingency Only: We only take 20% of the additional funds we secure.
Zero Risk: If we find nothing extra, you pay us absolutely nothing.

Reviewing insurance claims for homeowners

Step 3

Premium Restoration & Total Project Transparency.

You have the legal right to choose your contractor.

Insurers push "preferred vendors" who use cheap materials for fire, flood, and storm repairs. Not us. We use your maximized claim to rebuild with only high-quality materials.

Total Transparency: Track your project 24/7 via our custom client portal and get weekly email updates. Backed by a 24-month warranty.

CMY Renovations premium quality rebuilds with warranty

What our Clients say about us

Frequently Asked Questions

Answers to help you navigate your property damage claim.

No. By law in Ontario, you have the right to choose your own restoration contractor. Insurance companies often push "preferred vendors" because they agree to deeply discounted rates, which can result in lower-quality materials and rushed labor. We work directly for you, not the insurer, ensuring your home is rebuilt without compromises.

Do not accept a lowball offer or sign a final release. Contact an insurance claim advocate immediately. We provide a FREE claim review to investigate the damage and draft proper, comprehensive line-item scopes. We identify missing items—like mandatory building code upgrades and hidden water damage—that adjusters frequently overlook to maximize your payout.

At CMY Renovations, we charge zero upfront out-of-pocket fees. We work on a contingency basis, meaning our advocacy fee is just 20% of the additional funds we secure for your claim. If we review your file and don't find any missing money, you pay us absolutely nothing.