Most property owners in Canada leave money on the table when filing an insurance claim. If your property has suffered storm, fire, water, or large-scale damage, the way your claim starts can determine how much you get paid.
A public adjuster works for you, not the insurance company, to ensure your claim is properly documented, negotiated, and maximized.
Call 800.790.2622 or visit NFACO.CA to get expert guidance before you file.
What Does a Public Adjuster Do?
A public adjuster is a licensed professional who represents property owners in insurance claims. They:
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Assess visible and hidden damage using advanced technology.
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Review your insurance policy to identify every available coverage.
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Document and prepare your claim with forensic detail.
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Negotiate directly with the insurance company on your behalf.
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Work to maximize your final settlement based on actual restoration costs.
Unlike insurance company adjusters, who work to protect the carrier's bottom line, NFA public adjusters work exclusively to protect your financial interests.
When Should You Hire a Public Adjuster?
In the Canadian market, you should consider hiring a public adjuster if:
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Your property damage exceeds $50,000.
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You have experienced severe fire, water, or storm damage (such as a Derecho or flood).
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Your claim has already been underpaid or denied.
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You want to ensure you maximize your settlement from the very start.
The earlier you bring in expert representation, the better your outcome.
Call 800.790.2622 or visit NFACO.CA before filing your claim.
Public Adjuster vs. Insurance Adjuster
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Insurance company adjusters work for the carrier and aim to minimize claim payouts. They often handle a high volume of claims and may overlook or undervalue damage.
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NFA Public Adjusters work for you. Our role is to fully document your loss, interpret your policy in your favor, and negotiate for the highest possible settlement.
This difference can significantly impact the total compensation you receive for your recovery.
The Insurance Claim Process
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Policy Review & Assessment: We determine coverage and identify all damage, including hidden structural issues or environmental contamination.
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Full Documentation: We capture every detail of your loss to create a "bulletproof" foundation for your claim.
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Submission: Your NFA adjuster prepares and submits the claim, handling all communication with the insurer.
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Negotiation: We ensure your settlement reflects the true, local cost of repair and restoration in your specific region of Canada.
Start your claim the right way. Call 800.790.2622 or visit NFACO.CA
Types of Property Claims We Handle
NFA Public Adjusters handles large and complex claims across commercial and residential properties throughout Canada:
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Commercial Claims: Manufacturing facilities, multi-family residential complexes, retail centers, industrial properties, and municipal buildings.
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Residential Claims: Large homeowner losses and high-value estates.
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Natural Disaster Claims: Tornado, wind, hail, flood, and heavy snow/freeze damage.
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Fire & Water Damage: Structural fire damage, smoke contamination, burst pipes, and major water intrusion.
Costly Claim Mistakes to Avoid
Most property owners make critical mistakes in the first 24 hours that haunt the rest of the process. Common issues include:
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Calling the insurance company first without professional advice.
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Waiting too long to mitigate damage.
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Trusting the insurance company’s initial, often "generic" estimate.
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Missing hidden or secondary damage that appears weeks later.
Avoid costly errors. Call 800.790.2622 or visit NFACO.CA before you file.
Why Choose NFA Public Adjusters?
NFA is Canada’s oldest and largest public adjusting firm, bringing the resources and expertise needed to handle the country's most complex claims. Clients benefit from:
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Multi-disciplinary teams (engineers, estimators, and policy experts).
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Deep experience with major Canadian insurance carriers.
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Proven results on large-scale losses.
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Rapid response when every hour counts.
Why Large Claims Require Expert Representation
Insurance companies are highly experienced in managing payouts to their advantage. Without expert representation, property owners often accept lower settlements, miss covered damages, and struggle with complex policy language. With NFA, you gain stronger documentation, strategic negotiation, and significantly better financial outcomes.
Get Expert Help Before You File Your Claim
If your property has suffered significant damage, the decisions you make now will impact your financial recovery for years to come. Don’t risk underpayment or delays.
Call 800.790.2622 or visit NFACO.CA to speak with an NFA public adjuster today.