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438 794-1044 • reclamations@rguertin.ca

— INDEPENDENT EXPERTISE — 20 YEARS OF EXPERIENCE —

Informed decisions.
Fair outcomes.

Independent claims adjuster specializing in municipal civil liability, property damage, and bodily injury — bringing that same expertise directly to policyholders navigating their own insurance claims.

My role is to bring the technical knowledge and claims expertise my clients need to make informed decisions.

— Isabelle Guertin, claims adjuster
Isabelle Guertin - Claims Advisory
APPROACH

An independent practice — one file at a time.

The person you hire is the person who handles your file. Every mandate I accept is handled directly by me, providing continuity, experienced judgment and direct communication from initial review through resolution. I approach every file with the same care and attention I would expect if it were my own.

01

Direct file handling

Documenting evidence, photos, plans, and technical details directly for your claim.

02

Clear communication

Framing claims clearly for insurers and municipalities to avoid unnecessary delays.

03

Direct updates

Direct contact and regular updates on your file status — no call centers or automated queues.

EXPERTISE

Technical expertise. Clear analysis. Informed decisions.

Independent claims expertise for municipalities and policyholders, with a focus on thorough investigation, technical analysis and fair, well-supported outcomes.

Municipal Civil Liability

- PRIMARY PRACTICE -

Investigation and handling of municipal liability claims involving property damage and bodily injury. With extensive experience working directly with municipalities, I understand their operational realities, procedures, and the particular considerations involved in municipal claims. Each file is assessed through:

  • –factual investigation
  • –liability analysis
  • –damage evaluation,

leading to clear, practical recommendations tailored to the municipality's specific circumstances.

Public Adjuster Services

- FOR POLICYHOLDERS -

Independent claims assistance for individuals navigating a property insurance claim. I provide policyholders with the technical knowledge and claims expertise needed to:

  • –understand their coverage
  • –assess the information presented
  • –make informed decisions throughout the claims process.

The objective is a fair settlement in accordance with their insurance policy.

Damage Assessment &Technical Analysis

- TECHNICAL EXPERTISE -

Detailed analysis of property damage, causation, repair estimates, and supporting documentation. I assess the scope and value of a loss to:

  • –identify what can reasonably be attributed to the event
  • –provide a clear, well-supported evaluation of the damages.
HOW I WORK

A clear, structured process.

Every file begins with understanding the facts, identifying the issues, and determining the appropriate path forward.

01

Review & Assessment

Understanding the circumstances, reviewing the available documentation, and identifying the key factual, technical, and liability issues.

02

Investigation & Analysis

Gathering and organizing the relevant evidence, assessing liability, causation and damages, and identifying any additional information required for a complete analysis.

03

Recommendations & Resolution

Providing a clear, well-supported assessment of the file and practical recommendations to help my client make informed decisions and move toward an appropriate resolution.

TESTIMONIALS

A track record clients trust.

Homeowner & Policyholder

“Isabelle obtained results in one week that I was not able to get in 2.5 years.”

I highly recommend Isabelle Guertin – her expertise made a massive difference for my family. Following an extremely expensive incident in my house, I made a claim to my insurance company – the only claim I made in my life. For over two and a half years, the insurance dragged out the claim, did not reply to follow up emails nor calls in a timely fashion – sometimes, not replying at all. I staggered to follow ups to give the insurance firm plenty of time to reply – it made no difference. At one point, the insurance firm even cancelled my claim, sending me a letter during a Canada Post strike that I only received months later. They wound up re-opening my file when and then did not get back to me for months. I wound up hiring the services of Isabelle Guertin. After a brief call outlining the case, she told me her hourly rate and her estimate of how many hours it would take for her to work on my claim, representing my interests. It was a perfectly reasonable estimate. Within one week, she got results. The insurance company wrote a significant, 5 figure cheque to reimburse me for work done to rectify the incident. Her fixed consulting fee came to approx. 5% of the total reimbursement, and she manage to obtain results in one week that I was not able to get in 2.5 years. Next, she continued intervening and negotiating with the insurer for more work. They made an offer that I was ready to accept. However, she noticed that there were items that they should cover, resulting in an extra $10,000 payment, on top their initial offer, to fix/replace the items that were damaged. She is an insurance expert. She knows details about insurance that the average consumer, the average household, does not know. She is extremely professional, knowledgeable, ethical. She is very, very good at what she does – representing your interests on insurance claims. I highly recommend her.

Municipal Client

“Isabelle obtained results in one week that I was not able to get in 2.5 years.”

I highly recommend Isabelle Guertin – her expertise made a massive difference for my family. Following an extremely expensive incident in my house, I made a claim to my insurance company – the only claim I made in my life. For over two and a half years, the insurance dragged out the claim, did not reply to follow up emails nor calls in a timely fashion – sometimes, not replying at all. I staggered to follow ups to give the insurance firm plenty of time to reply – it made no difference. At one point, the insurance firm even cancelled my claim, sending me a letter during a Canada Post strike that I only received months later. They wound up re-opening my file when and then did not get back to me for months. I wound up hiring the services of Isabelle Guertin. After a brief call outlining the case, she told me her hourly rate and her estimate of how many hours it would take for her to work on my claim, representing my interests. It was a perfectly reasonable estimate. Within one week, she got results. The insurance company wrote a significant, 5 figure cheque to reimburse me for work done to rectify the incident. Her fixed consulting fee came to approx. 5% of the total reimbursement, and she manage to obtain results in one week that I was not able to get in 2.5 years. Next, she continued intervening and negotiating with the insurer for more work. They made an offer that I was ready to accept. However, she noticed that there were items that they should cover, resulting in an extra $10,000 payment, on top their initial offer, to fix/replace the items that were damaged. She is an insurance expert. She knows details about insurance that the average consumer, the average household, does not know. She is extremely professional, knowledgeable, ethical. She is very, very good at what she does – representing your interests on insurance claims. I highly recommend her.

Commercial Property Owner

“Isabelle obtained results in one week that I was not able to get in 2.5 years.”

I highly recommend Isabelle Guertin – her expertise made a massive difference for my family. Following an extremely expensive incident in my house, I made a claim to my insurance company – the only claim I made in my life. For over two and a half years, the insurance dragged out the claim, did not reply to follow up emails nor calls in a timely fashion – sometimes, not replying at all. I staggered to follow ups to give the insurance firm plenty of time to reply – it made no difference. At one point, the insurance firm even cancelled my claim, sending me a letter during a Canada Post strike that I only received months later. They wound up re-opening my file when and then did not get back to me for months. I wound up hiring the services of Isabelle Guertin. After a brief call outlining the case, she told me her hourly rate and her estimate of how many hours it would take for her to work on my claim, representing my interests. It was a perfectly reasonable estimate. Within one week, she got results. The insurance company wrote a significant, 5 figure cheque to reimburse me for work done to rectify the incident. Her fixed consulting fee came to approx. 5% of the total reimbursement, and she manage to obtain results in one week that I was not able to get in 2.5 years. Next, she continued intervening and negotiating with the insurer for more work. They made an offer that I was ready to accept. However, she noticed that there were items that they should cover, resulting in an extra $10,000 payment, on top their initial offer, to fix/replace the items that were damaged. She is an insurance expert. She knows details about insurance that the average consumer, the average household, does not know. She is extremely professional, knowledgeable, ethical. She is very, very good at what she does – representing your interests on insurance claims. I highly recommend her.

CONTACT ME

Let's discuss your file.

Whether you represent a municipality seeking experienced claims support or a policyholder navigating a complex claim, briefly describe your situation and how I can assist.

TERRITORY

Greater Montreal • South Shore (Longueuil, Brossard) • Province of Quebec

OFFICE

4388, rue Saint-Denis, bureau 200, Montréal (QC) H2J 2L1

Open weekdays: 9:00 AM – 5:00 PM

I'll get back to you within the next 48 hrs.