Insurance rebuilds and restoration
Your home, restored to pre-loss condition
Rebuild Pro Contracting rebuilds homes across Toronto and the GTA after water damage and other insured losses. We write the estimate, deal with your adjuster, bill your insurer directly and complete every trade from tear-out to final paint with one team.
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How does an insurance rebuild work?
There are six stages between discovering the damage and getting your home back. We are involved from the third onward, and our sister company handles the second.
- 1
You report the claim
Call your insurer or broker as soon as damage is found. They open a claim and assign an adjuster. Emergency drying can start right away; you do not need to wait for approval to stop further damage.
- 2
The home is dried
A restoration company removes water, tears out unsalvageable materials and dries the structure. Our sister company RapidDry Restoration provides this service 24/7.
- 3
We scope the rebuild
We inspect the dried space and write an itemized estimate to return it to pre-loss condition, with photos and measurements to support every line.
- 4
The adjuster approves
The adjuster reviews the estimate against your policy. If they have questions or a different number, we deal with them directly and revise where the facts support it.
- 5
You sign a Direction to Pay
This one-page form authorizes your insurer to pay us directly for the approved work. You pay only your deductible and the cost of any upgrades you chose.
- 6
We rebuild and close the file
The same team completes every trade through to final paint. If hidden damage turns up, we document it and get a supplement approved before proceeding. At the end we send completion photos to the insurer.
How do we work with your insurer?
Adjusters approve claims faster when the estimate is itemized and backed by evidence. Every estimate we submit lists each material and task with quantities and unit prices, and comes with photos, measurements and moisture readings. When the adjuster has questions, they call us, not you.
- Line-by-line estimate in a format adjusters can review quickly
- Photo documentation before, during and after the work
- Supplements for hidden damage approved before we proceed
- Upgrades priced separately so the claim stays clean
What is direct billing?
Direct billing means your insurance company pays us, so you do not have to cover the cost of the rebuild and wait to be reimbursed. You sign a one-page Direction to Pay form that authorizes the insurer to send payment for the approved work to Rebuild Pro Contracting. Your only costs are the deductible on your policy and any upgrades you decide to add.
Why use one team from tear-out to final paint?
A rebuild passes through six or more trades. When each is a separate company, every handoff is a chance for delay and for one trade to blame another. Our crew carries the job from framing and insulation through drywall, flooring and paint, under one schedule, one contract and one written workmanship warranty.
The same applies before we arrive. RapidDry Restoration handles the emergency response, water removal and drying, and DryFort Waterproofing fixes foundation leaks so the damage does not come back. The three companies share notes, photos and moisture readings, so you explain what happened once.
Insurance rebuilds: frequently asked questions
What does pre-loss condition mean?
- It means returning your home to the state it was in immediately before the damage, using materials of like kind and quality. Insurance pays for that. It does not pay to make the home better than it was, although you can add upgrades at your own cost.
Who pays the contractor on an insurance claim?
- With a signed Direction to Pay, your insurer pays Rebuild Pro Contracting directly for the approved scope. You pay your deductible to us, plus any upgrades.
Do I have to use the contractor my insurer recommends?
- No. In Ontario you have the right to choose your own contractor. Insurers have preferred vendors for convenience, but the choice is yours, and the insurer still owes the reasonable cost of the repair.
How much is the deductible on a water damage claim?
- It depends on your policy. Deductibles of $1,000 to $2,500 are common in Ontario, and sewer backup coverage often carries its own, sometimes higher, deductible. It is shown on your policy declarations page.
What if you find more damage after work starts?
- We stop, photograph it and send a supplement to the adjuster. Hidden damage caused by the same loss is normally covered, and we wait for approval before doing work outside the original scope.
Can I upgrade finishes during an insurance rebuild?
- Yes. We price the like-for-like replacement for the insurer and the upgrade for you, and you pay only the difference.
What does home insurance usually not cover?
- Gradual damage such as slow leaks, seepage through foundation walls and wear and tear are typically excluded. Overland flooding and sewer backup are usually covered only if you purchased those endorsements.
How long does an insurance rebuild take?
- A single room is often finished in 1 to 2 weeks and a full basement in 3 to 6 weeks from approval. Adjuster approval itself typically takes a few days to two weeks.
Coverage always depends on your own policy. This page is general information, not insurance advice. For more detail, read our guide on how the insurance claim and rebuild process works.
Have a claim open or about to open one?
Send us your address and a few photos. We will visit, write the scope and take it up with your adjuster.