Intact Insurance Home Insurance Reviews

INTACT commercials - your claims process starts when they get your phone call - but that does not mean they will help you or pay people. It just means they type it in the computer. Then you deal with the adjuster which is trying an experience from HELL! I had the absolute worst experience with this company and my neighbour across the street did too! Our basement flooded due to a water main break. We had top of the line coverage. Adjuster got mad at me and smashed my front door! Put a claim in for that and finally got paid one year later. Adjuster told me he did not like me, and promised to give me a hard time. He sent threatening letters that they were considering denying my claim. He offered me 1/7 the actual cost to repair the damage 2 months of the flood. I had already spent double hiring myown contractors to start repairs, not wanting to wait for the insurance company to take action. I had tenants.The fighting over coverage went on for nearly 6 months and finally I got a cheque for double what he first offered. I said this is not enough to cover all the invoices I submitted and complained to Intact Ombudsman. They did nothing. Then I reported unfair insurance practices, bad faith, to FSCO = Financial Services Commission of Ontario. This forced the matter into ARBITRATION! I recommend this to anyone not satisfied with money the insurance company is trying to get you to accept. Take the money they offer but do NOT sign a final release. Tell them you disagree with their calculation of your loss total. At arbitration, I got to present all the invoices for the actual repairs of the damage (not the adjuster's guesstimate) + lost rent. The whole process took about 9 months, but I finally got nearly everthing I asked for. INTACT gave my neighbour across the street a hard time. After his semi detached home was involved in a fire, it took twice as long for Intact to repair his house compared to the equally affected neighbour nest door. Fire was in January and the neighbour with CAA insurance was back in his house by August. The other neighbour with Intact is still waiting for drywall work to be completed. Estimated re-occupation could be 1 1/2 - 2 years because the approval during the claims process goes at a snails pace at Intact. INTACT SUCKS! Maybe their rate could be cheaper, but the attempts to deny coverage and delays in the claims process do not make it worth the savings! Go for a insurance company with a good reputation for claims processing - even if they charge more. I don't know how some insurance adjusters can look themselves in the mirror each morning after doing such horrible things to claimants - I know they get a bonus for paying out less. It's dirty money. I don't want to profit from other people's misery! SHAME on YOU INTACT Insurance Adjuster!

We've been insured with Intact for over 5 years. Homeowner's coverage has included a city home, a vacation home, and a small home-based business. Both homes were covered under identical, comprehensive policies.

In December 2010 we had a burglary at our vacation property and the claim of $3000 was paid out without any hassle. We were then promised that we would not be penalized with higher rates because of this single claim.

However, consider the following table that shows our total premium each year over the past 5:
2010 - $1349
2011 - $1790
2012 - $2162
2013 - $2201
2014 - $2742

You can see that in 5 years the total premium doubled. Two insurance agents told us that Intact had huge claims losses over the Calgary flooding in 2013 and had raised premiums for all customers in Canada as a result. That alone seems unfair; yet it doesn't explain the huge increases, far above the inflation rate, between spring 2010 and spring 2013.

We were prepared to pay the exorbitant premium of $2742 this year because it is very difficult to find companies that would include liability on our home-based business in the regular homeowner's policy. However, the Intact underwriter was obviously intent on getting rid of us because he told our insurance agent that the company would only insure us if we could prove that we were living in our vacation home 2 days out of every week in the year. That was an absolutely ridiculous request so we switched to another insurance company.

The moral of this story: Beware if you are offered homeowner's insurance with Intact. They do a lot of TV advertising and everything sounds rosy. However, we have never been treated so unfairly by an insurance company in 45 years of owing a home.

I would have given hem a 0.5 star rating, but the Claim Exerience doesn't have a 0 star.

I have been with them 20+ years - never made a claim before. Tenant above my condo left window open, froze water pipes which burst and 1000+ liters of water entered my condo. My large furniture got hit and Intact said they would replace it.

Event though it's not my fault, Intact says that I have to pay $500 deductible because tenant had no insurance / fled the province so Intact can't find them (or so they say) and the owner of the condo above me is an intact customer - they don't sue themselves.

Have been waiting for 2 weeks now on an estimate for replacement cost of one couch, one cloth chair and bed. Gave them brand info and what I paid for them before as I have replacement cost insurance. All I get is a run around so they don't have to pay out. Not one expense has been paid as of yet and I am in a hotel on my dime - with mounting credit card bills coming due soon.

Had made a small claim with Co-Op and Wawanesa insurance 20+ years ago, which were dealt with immediately and quickly. Once this ordeal is over, will never deal with Intact again - regardless of the premiums I have to pay - Intact is cheap - but you get what you pay for and they have ZERO Service when you need them.

My home insurance rate with Intact went up 36% in the past year and the deductible was arbitrarily increased from $500 to $1000 with no explanation. I've been a customer for 12 years with no claims. CAA quoted me a rate that is almost 50% less for identical insurance and with the lower $500 deductible.

If you are insuring your home with Intact, beware that there is the reason why they are the cheapest insurance around. They will be as cheap when they have to pay for your repairs as well. After hail demage on our house they would only replace parts of eavesdrops that have damage on them tying them upwith old ones so colour diference is clearly visible, instead doing all around house. Also for that took them 6 months to do. Save your self a haedaches and aggravation, pay few dollars a month more and have a proper company insure you, I most certanly will after this hard learned lesson. I only give them one star on rating because there is no zero available

Have dealt with my broker for many years. I had house & car insurance with Intact for a few. Rates kept going up and Aug 2016 had a flat roof drain blocked with debris and heavy rain caused a back-up of water with fell into my kitchen ceiling & dining room wall. Intact was quick to open the claim but no-one came for several days. They, through the evaluator, sent the worst contractor possible. The painting had to be done 3 times in a couple areas but the final repair was only a passable quality- not what Intact claims. The job which would normally be 2-3 weeks maximum was done in 11-12 weeks - wow. Now my renewal is up and my house insurance cost was $1362 last year and has skyrocketed to $1822 this year - increase of 34%. The total damage to the house was $9123, but because there was hardwood floor water damage also and there was no room in the house to store the furniture, so I accepted a cheque of over $2200 and the contractor was paid the balance. I did not have the subcontractor re-do the floor & refinish. Thank God I didn't have the incompetent sub complete the floor refinish. Intact hires the cheapest worst contractors to save money for themselves but jacks the renewal price after. Intact never again - do not go with them either for a house or car insurance. They "seem" okay until there is a claim but then - pow

Been with Intact for over 25 years, and in 2012 had hail damage on house, was very dissatisfied with their adjuster and was a fight. Now on top of that have increased deductables on hail and water damage, in checking around seems only company to do this. Have checked with TD, and a couple others, yearly price about the same but for better coverage and lower deductables. Going to change.

On the auto side, fantastic service and coverage, but since are polices are bundled will also be changing.