Reconstruction & Repairs in Downtown & Old Toronto
Downtown is mostly condo work for us, from a burst riser on the fortieth floor to water coming through into the unit below.
Old Toronto is Victorian and Edwardian semis through the older neighbourhoods, and a dense band of condo towers through the core and along the waterfront.
In the towers it is burst risers, failed in-suite shut-offs and appliance hoses. In the older housing it is century-old drains, below-grade apartments and basements that were dug out after the house was built.
Most restoration companies dry a property and leave. You are then holding an open claim, a stripped basement and the job of finding a contractor who will work to an insurance scope.
Covered by insurance? We bill your insurer directly, so in most cases you pay only your deductible.
Where we work in Downtown & Old Toronto
We cover the whole of Downtown & Old Toronto, including The Beaches, Riverdale, Leslieville, The Annex and every neighbourhood in between. Postal areas M4E, M4K, M4L, M4M, M4N, M4P and others.
Full neighbourhood list (19)
What the rebuild usually covers
- Drywall, taping and priming after removal
- Flooring: laminate, vinyl plank, hardwood, tile and carpet
- Baseboard, casing and trim
- Painting to a full wall or room break
- Kitchen and bathroom cabinetry and vanities
- Doors, closets and built-ins
- Basement finishing after a flood
- Insulation and vapour barrier
What the job includes
- A written scope priced to the standard adjusters use
- Materials matched to the existing finishes where possible
- Scheduling coordinated with the drying so there is no gap
- Permits where the work requires them
- Trades coordinated by us, not by you
- Site protection and clean-up at the end of each day
- A final walkthrough before we invoice the insurer
Who we do this for
- Homeowners finishing an insurance claim
- Condo owners restoring in-suite finishes
- Landlords returning a unit to rentable condition
- Property managers
- Commercial tenants reinstating premises
When to call us in Downtown & Old Toronto
Ideally at the same time as the drying, so the rebuild is scoped while the property is open and the adjuster is still engaged. Reopening a settled claim later is much harder.
What reconstruction & repairs in Downtown & Old Toronto costs you
We bill your insurance company directly. On most covered losses that is the only amount you pay us.
Water damage is the most common home insurance claim in Ontario, and the great majority of the work we do is paid by an insurer rather than by the property owner. We document every loss from the first hour with moisture readings, photographs and a written scope, which is the evidence an adjuster needs to approve the work without argument or delay.
We work with all major Canadian insurers and handle the claim from start to finish, including the adjuster's questions. If you are not insured, or the loss falls outside your policy, we will give you a clear written quote before any work begins and we will tell you honestly what can be dried and saved rather than replaced. Keeping material in place is what keeps the cost down, and it is the first thing we look at.
There is no charge for attending to assess an emergency, and no obligation once we have. What your policy covers →
Who turns up in Downtown & Old Toronto
Delta24 Restoration is a professional restoration contractor serving Toronto and the Greater Toronto Area. Our technicians are certified by the IICRC, the industry standards body for the restoration trade, in Water Damage Restoration (WRT) and Applied Structural Drying (ASD). We are WSIB cleared and carry full commercial general liability insurance. Certificate numbers and a current clearance certificate are provided on request, and property managers and adjusters routinely ask for both before we attend.
We work to the IICRC S500 standard for water damage restoration and the S520 standard for mould remediation. Every job is documented with daily moisture readings, photographs and a written scope, which is why adjusters approve our work without delay.
Asbestos work is carried out to Ontario Regulation 278/05, which sets out the procedures for Type 1, Type 2 and Type 3 operations. Mould work finishes with written post-remediation verification, which is the document a buyer, a lender or an insurer will ask to see.
- IICRC WRT certified technicians
- IICRC ASD certified drying
- WSIB cleared, certificate on request
- Commercial general liability insurance
- Asbestos work to O. Reg. 278/05
- Direct billing with all major Canadian insurers
- Years of insurance claim experience with every major insurer
- Written post-remediation verification on mould work
- Free assessment, no obligation
How the insurance side works
Water damage is the most common home insurance claim in Ontario, and how the claim is handled usually matters more to your bill than the work itself. We document the loss from the first hour: moisture readings, photographs, a written scope, and a daily drying log. That is the evidence an adjuster needs to approve the work without arguing about it.
We bill your insurer directly. In most cases the only money you hand over is your deductible, which on Ontario policies commonly sits between $500 and $2,500.
Which losses are covered depends entirely on where the water came from. A burst pipe or a failed appliance is normally covered under a standard policy. Water coming up through a floor drain is sewer backup, which is almost always a separate endorsement you have to have purchased. Water entering from outside during heavy rain is overland flood, which is another endorsement again. A single storm can produce all three at once, which is why adjusters care so much about the source.
Full guide: is a flooded basement covered by insurance? →
How the claim works, and what your insurer covers →
Common questions
Do you work in downtown condo buildings?
Yes, and it is a large share of what we do downtown. We coordinate with concierge and property management, protect the common elements and document each affected unit separately for its own insurer.
My Victorian semi has a dug-out basement. Does that change things?
It often does. Underpinned and benched basements behave differently when they take on water, and the waterproofing detail at the footing matters. We will tell you what we find rather than guess.
Do you do the repairs or just the drying?
Both. The same crew handles the mitigation and the reconstruction, which means one contract, one claim and nobody to chase.
Will my insurance pay for the rebuild?
If the loss is covered, the repairs are part of it. We price to the scope adjusters work from, which is what keeps the claim moving.
Can I upgrade finishes during the repair?
Yes. Your insurer pays to restore what was there, and if you want to upgrade you pay the difference. We will set that out clearly before we start.
How long does the rebuild take?
A basement rebuild after a flood is typically two to four weeks depending on the scope, materials and permit requirements. We give you a schedule before work starts.