Reality?

Insurance claims often take weeks, months, and sometimes over a year before money is released.

Meanwhile:

• Contractors need deposits.

• Temporary housing is expensive.

• Mortgage and tax payments don’t stop.

• Repairs can’t wait.

• Life has to continue — even when your house doesn’t.

This is why more Ontario homeowners are turning to a solution almost nobody talks about:

Insurance Payout Loans.

These loans let you access your home equity immediately, instead of waiting for slow, unpredictable insurance payouts.

And in 2025–2026, with claim backlogs growing across Canada…

This financing option is exploding.

Let’s break down why.

🔥 Why Insurance Payout Delays Are Getting Worse

Here’s what most homeowners don’t realize:

Insurance companies don’t release funds until:

• Adjusters finish their reports

• Repairs are priced

• Damage is assessed

• Internal review is completed

• A final claim decision is made

Even “simple” claims can drag on for months.

A fire or flood claim?

Easily 6–12 months.

All while you’re paying:

• Mortgage payments

• Rent or hotel costs

• Clean-up crews

• Contractors

• Storage fees

• Legal or adjuster fees

Insurance payout delays are one of the top reasons Ontario homeowners fall into:

• Mortgage arrears

• Credit card debt

• Power of sale

• Missed property tax payments

You shouldn’t lose your house while waiting for the insurance cheque that’s supposed to protect it.

🚨 What Is an Insurance Payout Loan?

It’s a fast, equity-based loan that gives you the funds you need right now — before your insurance claim is approved or paid.

You borrow against the value of your home, not:

❌ income

❌ credit score

❌ adjuster timelines

❌ insurance decisions

When the insurance company finally pays out, you simply use those funds to repay the loan.

It’s simple, fast, and life-saving for families facing disaster-related delays.

💡 Who Uses These Loans?

Insurance payout loans are most common after:

🔥 Fires

Rebuilding, temporary housing, clean up, debris removal.

💧 Floods/Water Damage

Drying, repairs, mould remediation, replacing flooring and furniture.

🌪 Wind/Storm Damage

Roofing, siding, broken windows, structural assessments.

⚠️ Structural or Foundation Issues

When insurance drags out the investigation.

🚚 Temporary Relocation Needs

Hotels, rentals, storage, moving back and forth.

🧾 Emergency Cash Flow

Mortgage payments, taxes, utilities, legal fees.

When disaster hits, waiting isn’t an option.

⚡ How Fast Can You Get Funded?

At Lendworth:

• Same-day approvals

• Funding in 24–48 hours

• No income documents required

• No credit score requirements

• We lend strictly on property equity

If you have 20–25% equity, you can access capital even during insurance chaos.

🏠 Real Example (Toronto Homeowner – 2025)

A family in Toronto suffered a major basement flood.

Insurance told them:

“We’re still assigning an adjuster. Expect 8–10 weeks.”

Meanwhile, the home wasn’t livable.

Within 48 hours of contacting Lendworth:

• They secured a $180,000 Insurance Payout Loan

• Moved into temporary accommodation

• Hired contractors

• Prevented mould from spreading

• Restored the home faster than the insurance timeline

When the insurance payout finally came 3 months later, they paid the loan off in full.

Disaster avoided.

🔧 What Can the Loan Be Used For?

✔ Repairs & contractors

✔ Fire or flood cleanup

✔ Temporary housing

✔ Replacement of damaged items

✔ Legal or public adjuster fees

✔ Mortgage, tax, or utility arrears

✔ Rebuilding costs

✔ Emergency cash flow

If insurance should cover it eventually, an Insurance Payout Loan covers it now.

🏡 Why Most Banks Won’t Do This

Traditional lenders require:

• Employment verification

• Notice of assessments

• Credit checks

• Insurance confirmation

• Claim paperwork

• Appraisals through approved channels

Which is ironic — because when disaster hits, homeowners can’t provide those things.

This is why private, equity-based lenders like Lendworth fill the gap.

We approve real people based on real property, not endless bank paperwork.

⭐ Why Homeowners Choose Lendworth

1️⃣ Approvals Based on Equity

Not income. Not credit. Not insurance timelines.

2️⃣ Funding in 24–48 Hours

Perfect for emergency situations.

3️⃣ Transparent and Flexible

We structure around your insurance payout and your needs.

4️⃣ Serving All of Ontario

From Toronto to Windsor to Ottawa.

🚀 Is an Insurance Payout Loan Right for You?

You might need one if:

• Your home is damaged

• Insurance is delaying payment

• You need repairs immediately

• You’re paying for temporary housing

• Bills or arrears are piling up

• You can’t wait months for your insurer

If you’re in this situation, the worst thing you can do is wait.

📞 Need Fast Funding While Insurance Delays? We Can Help.

Lendworth can approve you today and fund in as little as 24–48 hours.

Tap into your home equity — even if the insurance company is still “reviewing your file.”

👉 Apply now at: www.lendworth.ca

👉 Call us today: (905) 597-1225

Your insurance will pay out eventually.

We make sure you don’t have to wait to rebuild your life.