Homeowners & townhome owners · Toronto & GTA
Insurance restoration for private homes
Property damage assessment, full remediation and insurance reconstruction for houses and townhomes across Toronto and the GTA.
Homeowners & townhome owners
What to expect
Start with the condition of your home
Call with your location, affected rooms and whether the damage is active. We confirm access and the next step. If you have a claim number and adjuster, we can record those after intake.
Document and remediate each affected area
A basement, kitchen and adjacent hallway can need different work. We document damage by room, confirm the authorized scope and record progress, photos, readings and equipment use as applicable.
Give your adjuster a clear scope
We can prepare Xactimate estimates, scope revisions, supporting photos and field reports for review. Your insurer determines coverage. We confirm in writing who can authorize work and who receives each invoice.
Rebuild after verification
We review completion of remediation and any applicable specialist reports before planning repairs. We agree on finishes, schedule, signed scope, changes and staged invoices before reconstruction.
Related services
Explore the next step
Common questions
Can I start an assessment before opening an insurance claim?
Yes. Call with your municipality and a short description of the damage. If you open a claim, ask your insurer what records it needs and who can authorize the emergency work.
What should I have ready when I speak to my adjuster?
Gather a timeline, photos from a safe location, the rooms affected, documents for emergency work already approved and a list of damaged belongings. Keep your claim number and policy details available for an authorized contact.
Who approves the work and receives the invoice?
MGL confirms those roles in writing for the specific scope. Your insurer determines what your policy covers, and the owner or other authorized party approves the work agreement.
Discuss your property with MGL
Share the property type, municipality and the areas that need attention.