What we provide to your adjuster, what you are entitled to choose, who pays whom, and the questions every claim raises about permits and code upgrades.
Most of our restoration customers have never had a claim before. This page explains how the electrical part of a fire, flood or storm claim works in Alberta, in the order it happens. It is general information, not legal or insurance advice; your adjuster and your policy wording decide coverage.
Dated photos of every damaged component and a plain-language note on what failed and why.
Line-item scope and estimate in the format adjusters and restoration contractors use, separated into damage repair and code-required upgrades.
The City of Edmonton permit and the passed inspection for the claim file.
Yes. Alberta’s Fair Practices Regulation requires insurers to tell you that you may choose your own service provider. Your adjuster still has to approve the scope and the estimate, so we write both the way adjusters expect. You can ask for MNR by name.
No. Only a licensed adjuster can adjust a claim in Alberta. We make the electrical safe, permitted and inspected, and we give your adjuster everything they need to decide quickly. We do not negotiate your settlement.
On most claims we are paid by the restoration contractor managing the job, or by you, the policyholder, who is reimbursed by your insurer. Where your adjuster approves direct payment, we can invoice your restoration contractor or insurer directly.
No. Insurers treat deductible waivers as a fraud indicator, and it is not something a reputable contractor offers.
It depends on your policy’s bylaw or code-upgrade coverage. We separate damage repair from code-required upgrades on the estimate so the question is easy to answer.
Yes, for anything beyond a like-for-like device swap. Permits in Alberta are issued to a Master Electrician, and homeowner permits cannot cover main service work, so a contractor is required for service and panel repairs.
After the damaged customer-side equipment (anything past the meter) has been repaired under permit and inspected. We book the inspection and coordinate the reconnect.
Call us for make-safe and temporary power, or open a service request and tick Insurance Claim.
