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 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

Step 1

$60k

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

Insurance adjusters routinely leave critical line items off their property damage reports.

We thoroughly investigate the damage and draft proper, comprehensive line-item scopes for your approval. From hidden water damage to mandatory building code upgrades, our experts tear apart their initial quotes. On average, we secure an additional $60,000 for our clients to ensure 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.

Initial Review: We analyze your adjuster's claim with complete detail.
Contingency Fee: If we find missing funds, our advocacy fee is just 20% of the additional money we secure for you.
Zero Risk: If we don't find anything extra, you pay us nothing for the review.

Reviewing insurance claims for homeowners

Step 3

Premium Restoration & Total Project Transparency.

You have the legal right to choose your own restoration contractor.

Whether recovering from a devastating house fire, flood water damage, or severe wind storms, insurers push "preferred vendors" who work for cheap using builder-grade materials. Not us. With your maximized claim, our master craftsmen rebuild your home using only high-quality materials—no compromises.

You are never left in the dark: We use custom, in-house software to manage your timeline. You'll receive comprehensive weekly email updates, plus 24/7 access to our dedicated client portal to track your rebuild's progress. Backed by our 24-month labor 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 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.