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Our shower recently had a flash leak. We hired a restoration company to do up a report, yet, that wasn’t good enough. TD wanted a plumbers report, so we paid to have that done & his report was the same conclusion, a sudden leak. Both the reports were submitted like requested, both were deemed unacceptable & refused by TD. We’ve jumped thru hoops like they asked, yet a rep sitting behind a desk in Halifax by the name of Victoria Snow decided she was a professional plumber herself & denied the claim. We are now filing a complaint. We even had a video showing how fast the water was flowing out & it would be impossible to ignore, but of course, she refused to watch the video. We pay good money for insurance & TD has been a total rip off. It’s also a 2 hr wait if you try to call. Stay away from TD insurance if you know what good for you. Worst insurance company ever & very rude “know it all’s”.