Intact Insurance Home Insurance Reviews

April 3 2017 we had a water leak. Intact had a contractor at my house the day after to look at damage. Day 3 we had emergency work done. TWO months later and we have had no resolution what so ever. Not one person is in communication with the other. The contractor says one thing the insurance company says the exact opposite. We are still stuck with this insurance company. Customer service has been awful and are not helpful at all. This company passes the buck from one to another. I feel this will be an all summer fight for what we pay for. Avoid at all costs. Go elsewhere for insurance it is not worth the hassle and stress this company puts its paying customers through. They make no extra effort into helping.

It makes me very unhappy when I see Intact insurance in a TV commercial advertising their useless services. How they can do that if the service is so useless and heartless? Intact was my insurance for over 20 years and I find out after so many years the very hard way... As long you pay and no claims! So it happens that my house gets flooded because of bad weather my claim was rejected without any explanations! Intact is an abusive heartless industry they just want your money.
Never use this company!

We are still fighting a claim that began March 3, 2020!! It is now August, at every turn, they have negatively dealt with us causing me mental stress that I couldn’t do it on my own anymore and needed help. Our first “representative” should be fired I’m positive we are not the only ones he’s dealt with in such an unprofessional manner! We needed to escalate it to his boss in 1 conversation to my husband took on an unprofessional approach as well as swearing and telling him he should pick up a book and learn to read. Once again we escalated to his boss or above him, who originally we thought we would finally see progress and she proved unprofessional and unable to do her job, she has been ignorant, didn't hasn’t resolved any matter after all this time they’ve left us with mouldy clothes/my 15-year-old daughter without a bedroom set because they claimed it was in the pod which we have a receipt for $7500 when they actually threw it out which I was 100% on as I saw them put in the truck they towed away as “garbage” (careful I think their staff gets first dibs as I would be surprised with their proven practices we’ve been exposed to. My basement is in shambles, my daughter has no bedroom at 15, you can’t move in my main floor because things we could save are shoved on my main floor, I have no laundry facilities as they were flooded and shorted out, and the clothes we could salvage my daughter is living out of a garbage bag and other clothes and items from the basement were thrown out or have been given back to us mouldy. My garage is completely full of boxes that are crumbling at the bottom due to whatever is in them. I COULD GO ON FOREVER! We have been able to eat a meal together at the table even 1 of us at the table there is too much stuff everywhere. We eat in our laps. With COVID we haven’t even been able to go out to dinner together. My daughter and son missed birthday celebrations at home as we couldn’t have anyone at our house. The most hurtful thing their negligence killed my 5-year-old dog. And I have been sick since April (tested for COVID 3 times all negative, so it’s something in my house perhaps mould being there was mould on everything else). More tests for me, long road ahead with this house I loved, all we wanted which is rightfully ours is to be made whole as we had it before. They acknowledged my dog but said they would not be paying her vet bill when we had to put her down. I’m heartbroken and just want what I had before. At this rate, I can’t even see us getting a Christmas tree up and having a nice Christmas my favourite holiday and even being able to enjoy it differently on a holiday due to COVID. Thank you Intact for your lack of customer service and what appears to be a lack of human decency to really go the extra mile for your customers.

We had a leak in the condo more than 4 weeks ago, the insurance showed up once to see and since then nothing happened, they don't even take our calls. This leak is affecting 4 apartments. Now we're on our 5th week still waiting. Worst experience ever.

We had a pipe burst in our bathroom and called Intact immediately. This was on a Saturday. They said they would send an emergency team that evening to assess damage and help with cleanup. No one came Saturday, Sunday, or Monday. On Tuesday a contractor finally showed up to take measurements and then no one came back until Thursday. They still didn't start work for several days and even then, only put on some heaters and took down half of the drywall and floor (leaving me to do the rest). When Intact got back to me about the contractor's estimate, they basically gave me the option of paying $2000 out of pocket to have the room put back by the contractor, or I could take a $2200 cheque to do the job myself. This was based on an estimate of over $9000 for the work. I went over and over with the adjuster that I shouldn't have to be out of pocket to simply put my bathroom back to how it was, but I received no help and terse answers to every question I had. No flexibility was shown, nor any sort of empathy or concern. When I said that no one could redo an entire bathroom (including buying a new shower and vanity, and all drywall, insulation, flooring etc.) I was told, "You're right, but you still have to pay."

I have been trying to get a claim finalized for a flood that happened in October 2017. The claim representative stopped communicating with me in April 2018. Now 9 months later I reported the problems I've been having to the rep's manager who apologized for the long delay and promised to get back to me the next day. That was the last I heard from her. My broker has not been any help. Have you had any success in going up the chain of command? How did you do it?

Horrible experience. Had major flood on main floor, insurer was Intact/Belairdirect. Got Platinum Pro-Claim Restoration as part of their Rely Network® to do the work. Clean up crew was great and did a good job drying up and removing damaged materials. Reconstruction crew was horrible. Did not put insulation on exterior walls back properly (basic building code requirement). Did not seal vapor barrier on exterior walls (basic building code requirement). Drywalled over open furnace air returns. Tile installer installed and grouted tiles on same day causing uneven tiles (basic knowledge you need to let tiles set first before grouting). Tiler used my lumber on side of my house for cutting on and then hid it by, put it onto my neighbour’s property. Tiler emptied unused mortar and grout into boxes and left it on my wood floors to get wet. Clean up crew decided to use our laundry dryer to dry their shirt (Wife found the shirt the next day in dryer). Clean up crew did not do a good job cleaning, did not clean interior of reinstalled storage cabinetry, floor properly, and did not remove all flooring protection. Wallpaper order, gave Proclaim our selection for wallpaper soon after flood and found out that they waited a month before ordering from supplier causing at least a 2-week delay in completing our powder room. Having a child potty training is not fun without a powder room. Wallpaper installer did not protect the floor, spent one hour scraping floor as I would not allow their cleaners back in my house after finding the shirt. The list goes on and on…have pictures and emails detailing everything. The painters were great, good job and cleaned up after themselves. Everything was finally done and did receive some compensation for my time but nothing can compensate for the lack of management and poor workmanship.

Never had an insurance claim ever. Determined a water leak at a lower wall behind a dresser. Called Intact insurance, girl who answered was unpleasant, unhelpful and stated that we needed to hire someone at our expense to determine the water leak. Company assigned Todd D as the adjuster. Let me just say that this individual lacks customer service to the extreme. He never visited the house to inspect, he assigned someone he knew Onside restoration just as terrible a company who sent a third party to inspect the house water leak. This was not systematic, I had to continuously call and message to put things in action. Todd D lacked communication from the start (extremely hands-off), never provided a status at each stage, I had to continuously call. He should NOT be an estimator. I not only question the company but their hiring practices as well. Not one person could determine the water leak and with inconclusive data denied the claim which coincidently would have cost me a 1000 dollars for the deductible to begin with. Unfortunately, I was talked into trying Intact insurance, however, I would STRONGLY suggest that you carefully choose another insurance company. Read other reviews, you will notice a common theme. You are better off leaving your house uninsured than to choose Intact insurance. I wish there were negative stars to rate this company.

We had tenants insurance through Intact. Our basement suite flooded, and Intact was very quick to respond at first. They walked us through every process and packed up our things in a timely matter. HOWEVER, they lost some of our valuables and broke our 55” Samsung smart television upon moving back in. They offered us $500 compensation for the TV which we declined as we just wanted them to replace it. Once we refused to accept the $500, they stopped answering our calls and refused to negotiate. We haven’t heard anything back about our lost and damaged items and every time we try, the person on the other end says “They can’t do anything.” Save yourself the stress and worry and go with an insurance company that actually helps its' customers in times of need.

I have had two dealings with the claims department, first was our whole neighbourhood was flooded, all my neighbours got paid by their insurance but Intact denied my claim. I went to change insurance companies but was denied because I had a recent claim. Even though I did not receive a payout. 7 months ago I had a break in while on holidays. Did my due diligence and made the police report, the list of loss, got all the prices, then they made me do it a second time and have it notarized. In 7 month I have talked to the adjuster twice, she fails to return phone calls or emails. Called and asked for her supervision, left a message for him to no avail. He never returned my call. Sent an email that I was going to make a formal complaint if I did not get a response, a month later still nothing. Called the complaints officer and was told I could not make a formal complaint until I tried to deal with her manager, proved I did that already and then the story changed so I couldn't make a formal complaint until they did an investigation. I have now had to hire a lawyer and still can't get anywhere with these crooks. The law states you have to have insurance but it appears the insurance company doesn't have to follow the laws or pay you for your losses. I have gone as far as sending them a copy of the insurance laws and highlighted the multiple ones they are breaking or bending, they do not care.They hope you will run out of money to fight them and just go away