Residential Losses
Roy, Morissette & Associés Inc.
A Loss Affecting Your Home and Your Family?
Suffering a major loss turns an entire life upside down. Our firm acts as an ally to support individuals and families affected by major losses across Quebec. Working with Roy, Morissette & Associés ensures complete handling of your file and maximized compensation.
You don't have to negotiate with your insurer alone.
Building Damage Estimates
We measure every component of your building for a complete reconstruction estimate, comparable point by point with the insurer's.
Complete survey of the affected areas and the materials to be replaced
Independent, line-by-line costing
Comparison with the insurer's estimate
Identification of discrepancies
Application of a material quality equivalent to that before the loss
Contents Appraisal
We inventory your lost or damaged personal property at its replacement value.
Detailed room-by-room inventory
Calculation of replacement value and depreciated value
Complete documentation to support each claimed item
Claim prepared according to your reality, with supporting evidence
Additional Living Expenses
If your home is no longer habitable, all excess expenses must be documented and claimed.
Temporary accommodation for you and your family
Additional meal and travel expenses
Follow-up for the entire duration of the settlement
Adjustments throughout your claim based on your needs
Return Home Strategy
We make sure an agreement is reached before work begins, to avoid unpleasant surprises.
Agreement on the scope of work before construction
Help choosing a contractor
Follow-up until the property is handed back
Negotiation of the file closing terms
Settlement Negotiation
We become your sole point of contact to manage and administer your file for the entire duration of the settlement.
Direct negotiation based on your rights and your coverages
Clause-by-clause review of the insurance contract
Development of a settlement strategy based on your needs and your reality
Identification of discrepancies between damage estimates
Negotiation of the best settlement for you
By Your Side, From the Loss to the Return Home
Whether you are an owner or a tenant, your file deserves the same rigour. We do not take on files where we cannot make a difference.
