Insurance Claim Repairs Ottawa
Water, fire and storm damage repaired and rebuilt, with a written estimate for your adjuster
In short
Aelia Construction and Design repairs and rebuilds homes in Ottawa after insured damage from water, fire, smoke or storms. We assess the damage, write a detailed estimate your adjuster can review, and complete the repairs once your insurer approves the claim. Estimates are free. Contact your insurer first, and keep photos and receipts.
Reviewed October 2026
Damage to your home is stressful, and the repair is only part of it. You also deal with an insurer, an adjuster and paperwork. We handle the construction side: a clear scope, photos and an itemized estimate you can hand to your adjuster, then quality repairs once the claim is approved.
Damage we repair
Water damage
Burst pipes, appliance leaks, sewer backup and storm water that soak walls, floors and ceilings.
Fire and smoke damage
Rebuilding after fire, plus repairs to walls, ceilings and finishes marked by smoke.
Storm and impact damage
Wind, fallen trees and ice or snow damage that reaches the inside of your home.
Other insured loss
Vandalism, vehicle impact and other damage covered by your home insurance policy.
What the repair can include
- Drywall removal, repair, taping and painting
- Insulation replacement where it was wet or damaged
- Flooring replacement in hardwood, laminate, vinyl or tile
- Basement repairs, including framing and finishing
- Kitchen and bathroom rebuilds after damage
- Trim, doors and baseboards
- Foundation cracks and leaks that let water in
- Final cleaning and a walkthrough with you
How an insurance repair works
- 1
Make it safe and stop the damage
Shut off the water or power if it is safe to do so. Your policy expects you to limit further damage, so arrange drying or temporary protection quickly.
- 2
Document and call your insurer
Photograph the damage, list what was affected, and keep receipts. Report the claim to your insurer as soon as possible. An adjuster will contact you.
- 3
We visit and write the scope
We inspect the damage and prepare a detailed, itemized written estimate that your adjuster can compare with their own.
- 4
Review with your insurer
Your insurer estimates the loss. If we find extra damage once walls are opened, we document it with photos so it can be reviewed.
- 5
Repairs begin after approval
We schedule the work with you and complete the repairs to the agreed scope.
- 6
Final walkthrough
We go through the finished work with you and provide the documents your insurer may ask for.
Before you start your claim
- Report the claim to your insurer as soon as possible. Most insurers have a 24-hour claims service.
- Photograph the damage and keep notes, receipts and cleanup invoices.
- Keep damaged items unless they are dangerous, and confirm with your insurer before throwing anything out.
- If your home is unfit to live in, ask your insurer about additional living expenses.
- Review your policy for your deductible, limits and exclusions. Coverage such as sewer backup varies by policy.
- If your insurer asks for a proof of loss, it is typically due within 30 days.
These tips follow the Insurance Bureau of Canada’s home claim guide. Your insurer’s instructions and your policy always take priority.
Request a free estimateFrequently asked questions
Can I choose my own contractor for insurance repairs?
Generally yes. The Insurance Bureau of Canada says you can use a contractor or supplier of your choice. Many insurers also have preferred vendors, and your policy and claim terms apply, so check with your insurer.
What if my contractor charges more than the insurer estimates?
The Insurance Bureau of Canada notes that your insurer estimates the damage, and if your contractor charges a different price you would be responsible for the difference. We explain our line items so you and your adjuster can see what drives any gap.
What should I do first after water or fire damage?
When it is safe, stop the source and photograph everything. Then report the claim to your insurer promptly. Keep damaged items unless they are dangerous, and confirm with your insurer before throwing anything out.
Do you work with my adjuster?
We can provide a detailed written estimate and photos for your adjuster, and we explain the scope when they have questions. Your insurer makes the decision on what is covered.
Will the repairs need a permit?
It depends on the work. Replacing drywall and finishes often does not, while structural, plumbing or electrical changes usually do. We tell you what applies to your repair.
How long do insurance repairs take?
It depends on the damage, drying time and how quickly the insurer approves the scope. We give you a schedule once the scope is agreed.
Sources
This page is general information and not insurance or legal advice. Your insurer decides what your policy covers.