Customers Rate us 5 out of 5
Customers Rate us 5 out of 5
An insurance claim adds an adjuster, a scope and a deductible to a renovation. We write a clear scope, work with your adjuster and keep the insured repair apart from any upgrades, so you always know who is paying for what.
Make the house safe first. Shut off the water at the main valve, stay away from wet outlets and the electrical panel, and call your insurer to open a claim. They usually send a cleanup company to remove the water and dry the house, or to clean up after smoke. We don't do that emergency cleanup. We come in once the house is dry and rebuild everything that was damaged, and you're welcome to call us now to talk it through.
Most of the confusion in an insurance rebuild is about money. Here is how it usually works.
Your insurer pays to put the damaged rooms back the way they were, as set out in the scope they approve, less your deductible.
Family owned since 2003We are a family-owned renovation company with offices in Oakville and Burlington. The people who write your rebuild scope are the people who build it.
Call your insurer to open a claim. If water is still in the house or there was smoke, a cleanup company removes it and dries or cleans the house. Your insurer usually arranges this.
We look at every damaged room, take photos and measurements, and write up exactly what needs to be rebuilt, room by room.
We can walk the house with your adjuster and answer their questions, so the approved scope matches the damage that is really there.
Insurance pays to put things back as they were. If you want more, such as a new layout or better finishes, we price it separately so you decide.
A project lead runs the job with our own crews and licensed trades, with permits where they are needed. You see updates and photos in your client portal.
We go over every room together and finish your list. Our four-year workmanship warranty starts here.
Most of the time in an insurance rebuild is spent before work starts, while the scope is written and approved. Once it is, the rebuild itself moves at the same pace as a renovation.
“This was our second time doing a kitchen reno, and this team made me realize the difference an honest contractor can make.”
“Elijah and his team did a fantastic job renovating our kitchen. From start to finish, communication was easy, clear, and straightforward.”
“They did the design with us before we even signed. Came in and finished on time as they said. Very few contractors do that these days.”
5.0 on Google · rated by the homeowners we've built for
What to keep, what to ask your adjuster and what to do if the scope looks too low.
Photos and video of every damaged room before anything is removed, the make and model of damaged appliances, receipts for anything you paid for after the damage, and a list of contents. Keep every email and letter from your insurer.
What does my policy cover for this kind of damage, and what is my deductible? Does it cover somewhere to stay? Will you pay in stages? Can I use my own contractor? What happens if hidden damage is found once the walls are opened?
You can ask your insurer to review it. We give you our written scope with photos and measurements, so you can show exactly where it differs. Hidden damage found once walls are opened is normally added as a change to the claim.
Your insurer may suggest a contractor, but you can usually choose your own. Choose someone who will still answer your call after the work is done, because that is when warranty questions come up.
In most cases, yes. Your insurer may suggest a contractor, but you can usually choose your own. Check your policy and tell your adjuster who you want to use, and we will send them our written scope.
You do. Your insurer pays the approved amount for the repair, less your deductible. Anything you add on top of the approved repairs, such as upgrades, is between you and us and priced separately.
Yes. We can walk the house with your adjuster, answer their questions and send them our written scope with photos and measurements.
We stop, photograph it and send it to your adjuster as an addition to the claim before we repair it, so you are never surprised by a bill.
Often to you and your mortgage lender together. Your lender then releases the money, sometimes in stages as the work is done. Ask your adjuster how your claim will be paid.
Yes, and it is often the best time to do it. Insurance pays to put the room back as it was. If you want a different layout or better finishes, we price the difference separately so you can see exactly what you are adding.
No. Removing water, drying the house and cleaning smoke are done by a cleanup company, which your insurer usually arranges. We come in after that and rebuild. If you are not sure the house is dry enough to rebuild, call us and we will tell you honestly.
Yes. Everything we build is covered by our four-year workmanship warranty, the same as on our renovations. If anything we built is not right in the first four years, we come back and fix it.
We work across Oakville and Burlington from our two offices.
1. A free visit and a written scope
2. We work with your adjuster
3. We rebuild, then walk through it with you
Gracia Makeovers Inc.
Oakville office: 1155 North Service Rd W, Oakville, ON L6M 3E3
647-919-1997
Burlington office: 466 Dynes Rd, Burlington, ON L7N 2T7
416-300-8212
We rebuild insurance claims across Oakville and Burlington and nearby towns. These pages cover the details for each kind of damage and each town.
Gracia Makeovers designs and builds kitchens, bathrooms, basements, additions and whole-home renovations, and rebuilds after water and fire damage, from offices in Oakville and Burlington.
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