Insurance Claim Walkthrough · Toronto
Filing an Insurance Claim for WETT Inspection in Toronto
If you're planning wett inspection on a Toronto home, this guide covers what the quotes usually miss. Lake-effect moisture accelerates crown spalling and flashing rot. Below: what to expect, real numbers, and the questions worth asking before you book.
Quick answer
Filing an Insurance Claim for WETT Inspection in Toronto. Lake-effect moisture accelerates crown spalling and flashing rot.
Typical
$232–$371
Duration
60–90 min
Freeze-thaw
70/yr
Photos adjusters actually want
Adjusters ask for: wide shot of the affected area with a reference object, close-up of the damage, opposite-side shot showing intact structure for comparison, and one photo of any prior wett inspection report or invoice.
Typical claim outcomes on Toronto policies
Sudden events (storm, animal, appliance failure) usually settle at $232–$371 minus deductible. Gradual wear (freeze-thaw over years) is almost always denied — document the triggering event carefully.
When to loop us in
The strongest claim files include a written pro assessment before the first adjuster call. We turn those around in 48 hours and share directly with the carrier.
Common questions
What if it rains or snows on the booking day?
Roof-side work reschedules to the next dry window at no charge. Interior scopes (firebox, damper, appliance) proceed regardless.
When's the best time of year for wett inspection in Toronto?
Late September through mid-November with Toronto averaging 127cm of snow starting December. Spring (April–May) is the second window and often 10–15% cheaper.
Do you need a permit for wett inspection in Toronto?
Cleaning and inspection are permit-exempt in Toronto. Structural masonry, liner replacement, or a new appliance install typically need one — we pull it as part of the job when required.
Is wett inspection covered by home insurance in Toronto?
Sudden damage (storm, animal, appliance failure) is usually covered minus deductible. Gradual wear generally isn't. A written pro assessment before the claim call materially improves outcomes.
Do you service condos and heritage homes in Toronto?
Yes. Condo boards in Toronto typically want a scope letter and insurance certificate 48 hours out; heritage properties need product substitutions we pre-source.
How much does wett inspection cost in Toronto?
Most Toronto jobs land between $232 and $371. Complex access or heritage masonry can reach $602. We quote fixed price after a free on-site scope.
Are you WETT and WSIB certified?
Yes — WETT SITE-Comprehensive #C-46082, CSIA #12408, and active WSIB #7248194. Certificates emailed on request before the job.
What warranty do you offer on wett inspection in Toronto?
Five-year written workmanship warranty on materials and labour, transferable to a new homeowner within that window. Manufacturer warranties on any installed products pass through separately.
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