Serving All of OntarioProperty Damage Insurance Claims
Denied, Delayed, or Underpaid Property Insurance Claim?
Book a Free Consultation With Our Lawyers
A fire, flood, storm, theft, or water loss at your home or business can put you and your family under immediate financial pressure. Your insurance company may deny the claim, delay payment, or offer far less than what you need to repair, rebuild, or reopen.
At Preszler Injury Lawyers, our Ontario property damage insurance claims lawyers help homeowners, landlords, and commercial property owners deal with difficult insurance disputes. Our phone lines are open 24/7, and we serve clients across Ontario. Your initial consultation is completely free, and you don’t pay anything unless we successfully resolve your case.
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Notable Achievements
Our Awards & Recognitions
Operating for over 60 years, Preszler Injury Lawyers is proud to serve Ontarians with legal help regarding their insurance claims. With over 20 offices open across Canada, we have successfully obtained over $1 billion of meaningful compensation for our Canadian clients. The recognition we have received for our dedication and commitment to justice reflects the care we take with every client’s case.
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How Our Property Damage Lawyers Can Help
We’ve been helping Canadians with all types of insurance claim disputes since 1959.
Insurance companies have teams of adjusters, examiners, and lawyers. You should not have to deal with a serious property damage dispute alone.
The dedicated team at Preszler Injury Lawyers can help by reviewing your insurance policy and the insurer’s written position. We can examine your claim file, contractor estimates, invoices, photos, proof of loss documents, and communications with the adjuster. We can also help you prepare for important claim steps, including sworn proof of loss submissions and an examination under oath.
If the insurer has wrongfully denied or underpaid your claim, our lawyers can explain whether legal action may be available to you. We can also consider whether another party may have contributed to the coverage problem.
Proudly Serving All of Ontario
Types of Property Damage Claims We Can Assist With
Property damage claims can involve residential properties, rental properties, commercial buildings, and business premises. Our Ontario property damage insurance claims lawyers assist with a wide range of disputed claims.
Fire and Smoke Damage Claims
A fire can destroy a home, rental property, or business in minutes. Even when the building is not a total loss, smoke damage and water damage from firefighting efforts may create major repair costs. Our lawyers in Toronto assist with disputes involving replacement cost, actual cash value (ACV), contents, debris removal, additional living expenses, and more.
Water Loss and Flood Loss Claims
Water damage claims are often disputed because policy wording can be technical. Your insurer may treat burst pipes, sewer backup, sump pump failure, roof leaks, and overland flooding differently. Our legal team can review whether the insurer is relying on the policy properly.
Burglary, Theft, and Vandalism Claims
Theft and vandalism claims may involve disputes about proof, value, damaged contents, missing property, and business records. If your insurer is refusing to pay or questioning the loss, our Ontario insurance claim lawyers can review the claim file and help determine what steps are available.
Windstorm, Roof, and Building Collapse Claims
Wind, fallen trees, heavy snow, and severe weather across Ontario pose serious risks to residential and commercial property owners. Weather events can cause roof damage, structural damage, ice damming, and building collapse. While insurers may argue that the damage was caused by wear and tear or poor maintenance, our lawyers can help assess whether the denial or underpayment should be challenged.
Business Interruption Claims
A commercial property loss can stop business operations. Business interruption coverage may help with lost income and certain expenses while repairs are completed. These claims can become urgent if delayed payments affect whether a business can reopen or must close altogether.
Sewer Backup Claims
Sewer backup losses can cause serious damage to flooring, walls, personal contents, and business property. Some policies require a specific endorsement for this type of loss. If your insurer says the damage is excluded or limited, legal advice may help you understand your position.
Residential Property Claims
For Homeowners and Residential Landlords
A fire, flood, water loss, theft, or storm can make a home unsafe or impossible to live in. If your insurer denies or underpays your claim, the financial strain can become immediate. At Preszler Injury Lawyers, our Ontario insurance claim lawyers help clients obtain sufficient coverage for:
- Property Repair, Replacement, or Rebuild Costs: Coverage may be needed to repair damaged areas, replace parts of the home, or rebuild after a major loss.
- Personal Contents: Claims may include damaged or destroyed belongings such as furniture, electronics, clothing, appliances, computers, and other household items that must be repaired or replaced.
- Additional Living Expenses: If the home is not safe or functional, your policy may cover hotel costs, temporary accommodations, or other increased living expenses while repairs are completed.
- Detached Structures and Exterior Damage: Coverage may also involve garages, sheds, fences, landscaping, roofs, windows, and other external parts of the property.
- Landlord Property Losses: Residential landlords may need coverage for repairs, cleanup, tenant-related issues, and loss of rental income, depending on their policy.
- And more
Commercial Property Claims
For Business Owners, Commercial Landlords, and Commercial Property Owners
A commercial property loss can affect more than the building. It can interrupt operations, damage equipment, and reduce revenue significantly. Our insurance claim lawyers for commercial property claims are dedicated to helping clients obtain the coverage they need to bounce back.
Commercial property insurance claims may involve:
- Business Interruption Losses: If a covered loss forces the business to close or reduce operations, business interruption coverage may help replace lost income while the business gets back up and running.
- Business Equipment and Tools: Commercial policies may cover damaged equipment, machinery, tools, computers, furniture, and other business property. These items may be valued differently than ordinary personal contents when it comes to commercial property claims.
- Inventory, Stock, and Supplies: A fire, flood, theft, or storm may damage products, materials, inventory, or supplies needed to operate.
- Commercial Building Repairs: Claims may involve repairs to offices, retail spaces, warehouses, restaurants, industrial units, rental buildings, or other commercial premises.
- Rental Income and Landlord Losses: Commercial landlords may face lost rent, tenant disruption, repairs to leased spaces, and disputes about how long coverage should continue.
- Extra Expenses Required to Reopen: A business might incur additional costs to relocate its space, rent temporary property, replace equipment, preserve existing records, or resume its operations.
- Tenant Improvements: Businesses leasing space to operate their business might have to repair interior finishings, considered tenant improvements.
How to Book Your Free Consultation
Your first meeting with our Ontario insurance claim lawyers is completely free.
Our property damage claim lawyers in Ontario are available to speak with clients 24/7, no matter where they live in Ontario. When you schedule a free case review with our legal team, here’s what you can expect:
- Call us toll-free or contact us through our online contact form and let us know about your situation and a time that’s best for you to speak.
- A member of our legal team will reach out to you through your preferred method to schedule an appointment and discuss the details of your case.
- After speaking about the unique circumstances of your situation, our lawyers will let you know if you have a viable claim and how the legal process may unfold.
- After speaking with our team, you can decide whether you want to hire Preszler Injury Lawyers to assist with your insurance claim.
The best part? You don’t pay any money unless we win.
Your initial consultation is completely free, and you don’t pay legal fees unless we successfully obtain compensation on your behalf.
What You’ll Learn During Your Free Case Review
If you are eligible to file a legal claim
What the timeline and legal process might look like
How our property damage claim lawyers can assist you
When Should You Contact a Property Damage Insurance Claims Lawyer?
You do not need to wait until the insurer closes the file to get assistance. It may be helpful to speak with a lawyer if something about the claim process feels wrong or unclear at any stage.
1. Your Claim Was Denied
The insurer may rely on an exclusion, alleged misrepresentation, late notice, vacancy issue, or breach of policy condition. Our lawyers can assess your policy to determine whether your insurer has acted fairly after you receive a denial.
2. Your Claim Was Underpaid
The insurer may offer less than the cost of repairs, replacement, contents, cleanup, or lost business income. If you are entitled to full coverage, we may be able to point to discrepancies in your insurer’s reasoning to help you recoup the cost of your full losses.
3. Your Insurer is Delaying Payment
Repeated requests for documents, long gaps in communication, or unclear answers during the claim process may leave you unable to move forward. Our lawyers will handle communications and follow-ups on your behalf to ensure your insurer does not act wrongfully.
4. You Received a Reservation of Rights Letter
This means the insurer is investigating while keeping the option open to deny coverage to you later. Our insurance claim lawyers in Ontario can assess all of the documentation and communication you receive to help you protect your right to coverage.
5. You Were Asked to Attend an Examination Under Oath (EUO)
An examination under oath is a formal process where you answer questions about your claim under oath with a court reporter and a legal representative for the insurer present. It is important you have a lawyer on your side during an EUO. Our team can help you answer questions and guide you through the examination to ensure that your rights are protected.
6. Your Business Cannot Reopen
If you have filed a commercial property insurance claim, commercial property and business interruption disputes can become urgent. Delays in the claim process may create lasting financial harm. Our lawyers can assess your policy to determine the legitimacy of any delays. We can also help you determine whether the insurer’s actions have caused compensable damage to your business.
Speak with our Ontario property damage insurance claims lawyers today for a free consultation. Find out if you have a case in under 5 minutes.
Why Choose Preszler Injury Lawyers?
Our lawyers are committed to serving clients whose claims have been unfairly denied or delayed across Ontario
Operating Since 1959
Proven track record of success and results.
Accessible Help, 24/7
Our lawyers always respond, and our phone lines are open 24/7
5-Star Reviews
Our firm has earned hundreds of 5-star reviews across Canada.
National Law Firm
We have offices open across Canada.
No Upfront Payment
It costs nothing for you to hire our lawyers for your case.
Don’t Pay Unless We Win
Don’t pay legal fees unless you’re successful.
Free Consultations
Your first meeting with our legal team is always free.
Proudly Serving Ontario
Our lawyers serve clients across the province.
We Handle Negotiations
Focus on recovery while we deal with the hard stuff.
The 1-800-JUSTICE® Promise
We do what’s best for our clients in the long run, not just today.
Operating Since 1959
Proven track record of success and results.
Don’t Pay Unless We Win
Don’t pay legal fees unless you’re successful.
Accessible Help, 24/7
Our lawyers always respond, and our phone lines are open 24/7
Free Consultations
Your first meeting with our legal team is always free.
5-Star Reviews
Our firm has earned hundreds of 5-star reviews across Canada.
Proudly Serving Ontario
Our lawyers serve clients across the province.
National Law Firm
We have offices open across Canada.
We Handle Negotiations
Focus on recovery while we deal with the hard stuff.
No Upfront Payment
It costs nothing for you to hire our lawyers for your case.
The 1-800-JUSTICE® Promise
We do what’s best for our clients in the long run, not just today.
A serious property loss can affect your home, your income, and your future plans. If your property insurance claim has been denied, delayed, or underpaid, contact Preszler Injury Lawyers today.
Striving For Excellence
Meet our Ontario Insurance Claim Lawyers
Frequently Asked Questions
Wondering about property damage claims and insurer disputes? Read answers to our most asked questions.
What is a co-insurance penalty?
Some coverages include a co-insurance requirement, meaning that you have to obtain coverage up to a certain percentage of the property value at the time of the loss. Insurers can apply a penalty and reduce the amount payable where the amount of coverage is less than the actual value of the insured property.
What are uninsured losses?
Uninsured losses are losses that are not covered under an insurance policy. In some cases, uninsured losses may be recoverable in a broker negligence claim.
What is a subrogated claim?
In a subrogated action, an insurer commences a lawsuit in a policyholder’s name against a person or corporation who caused a loss to recover. For instance, an insurance company may sue an electrical contractor if their work caused a fire loss in order to recover what they paid out to the insured.
What is a non-waiver agreement?
With a non-waiver agreement, an insurer asks its policyholder to sign an agreement, acknowledging that the insurer is going to investigate a claim but is not waiving its right to take certain steps, such as denying the claim. A lawyer with experience in property insurance claims should be consulted prior to signing a non-waiver agreement.
What is a material misrepresentation?
An insurer might allege that there is a material misrepresentation where facts were misrepresented on an insurance application or in other communications. A material misrepresentation might allow an insurer to void an insurance policy.
What is a material change in risk?
An insurer might allege that there was a material change in risk where the risk changed after the policy was issued. An example of a material change in risk might be if an owner-occupied dwelling were changed to a rental property. A material misrepresentation might allow the insurer to void the policy so that, legally, it is treated as if there was no policy in place on the date of an insured loss.
What are betterment and depreciation in a property claim?
In some cases, depreciation may be applied to items, buildings, finishings, or other insured property based on their age and condition. Betterment is a concept that refers to when someone receives a perceived benefit by obtaining a replacement that is better than what they had previously, which was damaged.
Can I have a claim against both an insurer and an insurance broker?
Yes, in some cases, a claim must be pursued against both an insurer and an insurance broker if there are issues with the insurer’s conduct and the broker also failed in their duties. Depending on the circumstances, both claims may be pursued in the same lawsuit.
Proudly Serving Ontario
Free Case Review for Ontarians
Whether your claim involves a home, rental property, business, or commercial building, our Ontario property damage insurance claims lawyers can help you understand your options and protect the coverage you are entitled to. To learn more about how we may be able to help you, contact us today and receive a free, no-obligation initial consultation on your case.
Areas We Serve
TORONTO | OTTAWA | MISSISSAUGA | BRAMPTON | SCARBOROUGH | HAMILTON | LONDON | ETOBICOKE | MARKHAM | VAUGHAN | KITCHENER | WINDSOR | OAKVILLE | RICHMOND HILL | BURLINGTON | OSHAWA | SUDBURY | BARRIE | GUELPH | WHITBY | CAMBRIDGE | KANATA | ST. CATHARINES | MILTON | KINGSTON | AJAX | ORLEANS | WATERLOO | THORNHILL | ALGOMA | THUNDER BAY | BRANTFORD | PICKERING | NEWMARKET | NIPISSING | PETERBOROUGH | SAULT STE. MARIE | SARNIA | MUSKOKA | AURORA | BOWMANVILLE | WELLAND | BELLEVILLE | NORTH BAY | STOUFFVILLE | CORNWALL | GEORGINA | QUINTE WEST | BRADFORD | TIMMINS | ORILLIA | ORANGEVILLE | TIMISKAMING | ROCKLAND | COLLINGWOOD | BROOKLIN | COURTICE | LINDSAY | UXBRIDGE | BROCKVILLE | HALIBURTON | COBOURG | TRENTON | BRACEBRIDGE | PETAWAWA | PORT HOPE | NAPANEE | KENORA | PEMBROKE | CARLETON PLACE | ELLIOT LAKE | TEMISKAMING SHORES | HAWKESBURY | UNIONVILLE | MONO | SMITHS FALLS | ARNPRIOR | RENFREW | KAPUSKASING | KIRKLAND LAKE | FORT FRANCES | DRYDEN | PARRY SOUND | GANANOQUE | STIRLING | PICTON | TYENDINAGA | PRESCOTT | BANCROFT | FRANKFORD | MARYSVILLE | WELLINGTON | CARRYING PLACE | RAINY RIVER | AND MORE
Based in Toronto, Ontario. We can help you no matter where you live in Ontario, even if you don’t see your area on this list.
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