Limited time We pay your deductible — $0 out of pocket · Book by June 15
Firstline Restoration Available now · 24/7(416) 900-3508
Insurance Restoration — We Handle the Claim · Homes & Businesses — Toronto & the GTA

Insurance Claim? We Pay Your Deductible.

We bill your insurer directly, document the entire claim, and cover your deductible — any size. You pay $0 out of pocket for water, fire, mold, sewage & storm restoration across Toronto & the GTA.

  • We pay your deductible — any size. You pay $0.
  • We bill your insurer directly
  • Full claim documentation & photos
  • $5M insured · fully licensed · WSIB compliant
Call Now: (416) 900-3508

Crews available now — we answer live. Call us anytime, 24/7.

5.0 on Google
$0 Out of Pocket100+ Claims Handled20+ Years Experience5.0 ★ on GoogleLicensed & Insured$5M InsuredWSIB CompliantResidential · Commercial · Large-Loss

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🔒 No spam, ever — just help. On a covered claim you pay $0 out of pocket. For active emergencies, calling is fastest.

Real reviews

What GTA homeowners say

5.0 · Verified reviews on Google
R Riste A.May 2026
★★★★★
We had a kitchen fire and called Firstline after the damage. They came out quickly, explained the cleanup process, and helped us get things back to normal. It was a tough situation, but their team made it a lot easier to deal with. Big thank you to the Firstline crew.
S Said N.May 2026
★★★★★
Our house flooded, and Firstline came out fast. They were easy to work with, helped deal with insurance, and got everything restored. Really appreciate how smooth they made a stressful situation.
S Sophia R.May 2026
★★★★★
Our house flooded and we ended up calling Firstline. They got there fast, walked us through what had to happen, and worked with our insurance company, which helped a lot. The whole thing was stressful, but their team handled it really well and got our home restored. Really appreciate the work they did.

Water damage spreads by the hour. Mould can begin growing in as little as 24–48 hours, and soaked drywall, flooring and framing keep wicking moisture until it's professionally extracted. The faster we start, the less is lost — and the lower the cost. Call before it spreads.

★★★★★ 5.0 on Google 100+ insurance claims handled 20+ years in business Residential, commercial & large-loss Licensed, insured & WSIB 24/7/365 · Toronto & GTA

Companies We've Worked With

Trusted by Leading Organizations

Firstline Restoration has supported restoration, abatement, and reconstruction projects for recognized brands, institutions, and property groups across Ontario.

Popeyes logo Popeyes
Tim Hortons logo Tim Hortons
Subway logo Subway
University of Toronto logo University of Toronto
Madison Group logo Madison Group
RioCan logo RioCan
Women's College Hospital logo Women's College Hospital
Starbucks logo Starbucks
Mazda logo Mazda
TD Bank logo TD Bank
City of Toronto logo City of Toronto
Popeyes logo Popeyes
Tim Hortons logo Tim Hortons
Subway logo Subway
University of Toronto logo University of Toronto
Madison Group logo Madison Group
RioCan logo RioCan
Women's College Hospital logo Women's College Hospital
Starbucks logo Starbucks
Mazda logo Mazda
TD Bank logo TD Bank
City of Toronto logo City of Toronto
How it works

We handle everything — start to finish

1

Call us

Tell us what happened. We can start emergency mitigation the same day and open the claim with you.

2

We assess & document

Full scope, moisture mapping, and photo documentation — exactly what your adjuster needs.

3

We bill your insurer — you pay $0

We bill the true price directly to your insurance and cover your deductible. You pay nothing out of pocket.

Done right

The right way to stop water damage

Speed matters — but so does doing it properly. Cut corners now and you get mould and rot later. This is the exact process our crews run on every job.

1 · Find & stop the source

Thermal cameras and moisture meters map the water you can't see — behind walls, under flooring, inside framing — so nothing gets missed and the spread stops first.

2 · Extract & control the water

Truck-mounted and portable extraction pulls the water out fast — before it wicks deeper into subfloor, drywall and structure and turns a small loss into a major one.

3 · Dry & dehumidify properly

Commercial air movers and dehumidifiers dry the structure to verified moisture targets we monitor daily — so mould never gets the chance to take hold.

4 · Document & rebuild

We log every reading and photo your insurer needs and bill them direct — then one team restores and rebuilds, from drywall to a full structural rebuild, back to better than before.

Real results

Before & after

Before restorationBefore
After restorationAfter
Flooded basement → fully restored
Before restorationBefore
After restorationAfter
Water-damaged office → back in business
Why Firstline

Why the GTA calls Firstline first

We manage the whole claim

From first notice of loss to final invoice — documentation, photos, scope, and adjuster coordination.

We pay your deductible

Any size, absorbed from our own margin — so your out-of-pocket cost on a covered claim is $0.

We never inflate invoices

We bill your insurer the true price of the work. Honest pricing keeps you, and your insurer, protected.

Full restoration & rebuild

From emergency cleanup to major structural reconstruction — we restore and rebuild entire homes and buildings, start to finish, with one team.

Our work

From disaster to done

Full-service restoration

One team for every disaster — homes & businesses

20+ years restoring GTA properties — from a single emergency to a full structural rebuild of an entire home or building. We handle residential & commercial work — homes, offices, retail, multi-unit & industrial — and large-loss jobs start to finish, with your insurer billed directly.

We pay your deductible — you pay $0. Rated 5.0★ on Google · 20+ years · crews ready 24/7 across the GTA.

Call Now: (416) 900-3508

Serving Toronto & the entire GTA

Toronto · Mississauga · Brampton · Vaughan · Markham · Richmond Hill · Oakville · Burlington · Etobicoke · Scarborough · North York · Pickering · Ajax · Oshawa · Milton · Newmarket · Aurora · Whitby · and surrounding areas.

FAQ

Insurance claims — your questions answered

How does "you pay your deductible" actually work?

On a covered claim, your insurer pays for the restoration and we cover your deductible from our own margin — so you pay $0 out of pocket. We bill the insurer the true price and never inflate the invoice. It is completely above-board.

Will making a claim raise my premium?

A single restoration claim from a sudden, accidental loss typically has limited impact, and the alternative — paying out of pocket — is usually far costlier. We will give you a straight read on your situation.

What if my claim is denied?

We help you understand why and what options remain. We provide thorough documentation up front to give your claim the best chance of approval.

Do you bill the insurer directly?

Yes — we bill your insurer directly and coordinate with your adjuster, so you are not floating costs or chasing paperwork.

What types of damage do you cover?

Water, fire and smoke, mold, sewage backup, and storm damage — plus full structural reconstruction afterward.

Every minute counts. Call now.

We handle the whole claim across Toronto & the GTA — bill your insurer directly, cover your deductible, $0 to you.

★★★★★ 5.0 on Google · 100+ insurance claims handled · 20+ years in business · Licensed, insured & WSIB · $5M insured · Residential, commercial & large-loss

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