Insurance Restoration
Your Insurance Company Has a Gap. We Close It.
Insurance adjusters often miss the hidden costs of restoration. We specialise in identifying those gaps, negotiating your claim, and rebuilding your property to its true pre-loss condition.
The Insurance Estimate Gap
Why insurance company calculations often fall short of the real cost for quality home restoration.
Your Right to Full Restoration
You are not obligated to accept the first offer. As a homeowner, you have the right to repairs that restore your home to its pre-loss condition while meeting all current building codes.
Assessment Problems
Underestimated Calculations
Insurance adjusters often use standard pricing lists that don't account for real material and labor costs in your region.
Hidden Damage
Initial inspections rarely uncover structural damage beneath finishes, mold, or electrical issues that develop after the incident.
Code Compliance
Estimates often overlook modern building codes that are mandatory for restoration work and protect your property's integrity.
How We Help
Cornerstone Construction stands on your side, ensuring accuracy in every line item of your estimate:
- Order an independent detailed inspection from Cornerstone Construction.
- Collect photo documentation of all hidden defects uncovered during demolition.
- Prepare an estimate based on real market prices for the Durham Region.
- Submit a supplement request for claim review based on our findings.
Need a professional damage assessment? Contact us for a consultation.
The Cornerstone Method
Our Restoration Process
A clear four-step process designed to restore your property and peace of mind with zero friction.
Free Claim Review
We start with a comprehensive review of your existing insurance claim to identify missed opportunities and ensure your policy is working for you.
Forensic Inspection
Our team performs a thorough physical inspection, documenting every detail of the damage with precision to provide clear evidence for your carrier.
Supplement Submission
We handle the technical work, submitting detailed supplements to your insurance company to cover the true cost of professional restoration.
Full Restoration
Once the claim is funded, our team executes the rebuild using premium materials, returning your property to pre-loss condition — or better.
Common Questions
Common Questions About Insurance Restoration
You have rights under your policy. Here are the answers most homeowners need before they call us.
Does this cost me anything upfront?
The claim review is free. We discuss our consulting fee structure during the initial review so there are no surprises.
Will this delay my claim?
No. A properly documented supplement actually speeds up resolution by giving the insurer everything they need to approve the full scope upfront.
Can I do this if my claim is already in progress?
Yes. It is never too late to request a supplement. Insurance claims can be reopened when new information or missed items are identified.
Do you work directly with my insurance adjuster?
Yes. We communicate professionally with your adjuster, provide full documentation, and cite applicable codes and policy language throughout the process.
What types of claims do you handle?
Water damage, pipe bursts, flood restoration, fire and smoke damage, and any residential or commercial property insurance claim in Ontario.
How much more can I recover on my claim?
It depends on your loss, but the gaps can be significant. On a recent Durham Region water loss, our independent scope review documented roughly $60,000 in legitimate, code-required items the original estimate missed — moving the all-in recovery from about $73,000 to $133,000. Every dollar was tied to a code section, an IICRC standard, or the policy's own settlement language. A free review tells you exactly what's been missed on yours.
Your Claim Review is always free. If you'd like formal documentation to back up your claim, these are the optional services we can prepare for you — credited back if you hire us for the restoration.
Worried Your Settlement Doesn't Cover Everything?
Independent claim-support services, so you know your scope is complete before you sign off on your insurer's offer.
Scope Review Letter
Starting at $750
A quick written review of your loss, usually one to two pages. We check the scope and flag anything that looks missed. A fast, low-cost first step for smaller claims.
Full Scope Review Report
Starting at $1,500 — refundable
A complete, detailed written report on your loss — the same careful review we build for major claims. If you hire Cornerstone for the restoration, the fee is credited back.
Appraisal Documentation Package
Starting at $2,500 — refundable
Our most complete package: the full report plus a priced estimate, matched line by line to your insurer's scope. Built for a formal claim review (Statutory Condition 11). Credited back if you hire us for the rebuild.
Adjuster Consultation Call
Free
A no-cost call where we walk through your loss together before anything else begins. The simplest way to start.
Our Approach
Cornerstone Forensic Consulting — Your Advocate
We do not just rebuild your property. We make sure your insurance company pays what your policy actually covers.
Forensic Site Inspection
We conduct a detailed audit of your property and your insurance estimate to identify every item the adjuster missed or undervalued.
Code Compliance Enforcement
We cite the 2024 Ontario Building Code and ESA Rule 2-022 to force the insurer to pay for mandatory electrical and structural upgrades they excluded.
Health & Moisture Clearance
We refuse to close in walls until we have written clearance for moisture and mould. Your family's health comes before the timeline.
Diminution of Value Protection
We fight for matching flooring, trim, and finishes throughout your home so your property value is fully restored — not patched together.
Real Results
One Durham Region Client. One Forensic Inspection.
Our independent scope review increased the all-in recovery from an initial $73,000 insurer estimate to $133,000 — that's roughly $60,000 in legitimate, code-required scope the original estimate missed. Every dollar itemized and tied to a code section, IICRC standard, or the policy's own settlement language. Nothing padded.
Who This Is For
Tailored Solutions For You
Whether you are a homeowner, property manager, or landlord — we advocate for the full restoration your policy covers.
Homeowners
Your home was damaged and you feel like the insurance company is not paying enough. We audit your claim and fight for the full restoration you deserve under your policy.
Property Managers
Managing a property with an active insurance claim? We ensure the restoration meets code, matches existing finishes, and protects your asset value.
Landlords
A damaged rental property needs to be fully and properly restored. We make sure the insurance company pays for a complete job — not a shortcut.
Trusted Through the Insurance Process
Currently am undergoing an insurance claim to get home restoration completed and reached out to Mike at Cornerstone Construction to assess and provide a complete proposal for the scope of work. Mike has been fantastic to work and communicate with. He is extremely detailed and meticulous. Proposal provided in-depth itemized line items for every restoration task. Everything was black and white with no room for confusion. Mike also has been instrumental in helping negotiate with the insurance company. He knows all the construction codes and laws in detail and was able to assess my insurance policy too and suggest justifiable factual counter arguments for the insurance company negotiation. Highly recommend to consult Mike at Cornerstone Construction before taking a final decision on a home restoration/renovation project.
Your Rights Under Your Policy
Don't Accept Less Than You're Owed
Your policy covers a full and fair restoration. Get a free claim review from Cornerstone and find out exactly what your insurance company missed.
