Section 128 of the Insurance Act, Statutory Condition 11
11. APPRAISAL: “In the event of disagreement as to the value of the property insured, the property saved or the amount of the loss, those questions shall be determined by appraisal as provided under the Insurance Act of Ontario before there can be a recovery under this contract, whether the right to recover on the contract is disputed or not and independently of all other questions.
There shall be no right to an appraisal until a specific demand, therefore, is made in writing and until after proof of loss has been delivered. “
NFA Loss adjusters have acted in the capacity of an appraiser in well over 1000 Appraisal hearings with excellent results each and every time. This service is available to policyholders, lawyers, and risk managers to name a few.
How We Can Help

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What We Do
Free consultation at your property
Complete review of current insurance policy
Schedule meetings with your insurance company
Ensure insurance company gives you the coverage you deserve
Settle your claim much faster and for a larger amount
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A public adjuster can help you settle any property damage insurance claim much faster than you will on your own. Contact NFA for expert help with your claim.
Many property owners don't discover public adjusters until it's too late. When disaster strikes your home or business, the insurance claim process can become a stressful fight. With over 95 years of experience, National Fire Adjustment Company (NFA Co Canada) stands as Canada’s trusted public adjusting firm—advocating for policyholders and securing maximum settlements after loss.
Settle your fire insurance claim faster with help from National Fire Adjustment. Our team of public adjusters will also ensure you get the settlement amount you are entitled to.