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.
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.
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 Oshawa Client. One Forensic Inspection.
Our supplement documentation increased the recovery from an initial $61,000 insurance estimate to a final $113,000 settlement. That is $52,000 in legitimate policy-covered items the adjuster missed.
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.
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.