TD Insurance Home Insurance Reviews

19 years with them and we will not be renewing with these clowns. Opened a claim after the wind storm May 22 2022 that swept across Ontario. Our home sustained serious damage. I had 4 no-shows agents and then finally a TD adjuster came on June 15. Still waiting for the claim to see the estimates of the damages. Had 2 different contractors come here and access the damages to see what TD should be covering. The damages totalled over $100K. TD wants to cover $7138. They will nickel and dime you! Don't worry TD, we have hired lawyers to deal with you. This is our first claim. Don't do any business with them!

I have had home insurance with TD for over a decade - car and home. At this time, they have increased premiums annually without any specific explanation or due to any claims made by me, on both policies.
Despite this, I have remained with TD on the assumption that the higher cost to me would be justified by a quality service if and when I do claim.
I made my first claim on both the car and home policies in May 2021.
The car claim was settled quite smoothly and within a reasonable timeframe (6 weeks); no issues there. However, the claim on the home policy has been an altogether nightmarish experience that remains ongoing!
Since making this claim...
- Two assigned claims handlers have gone AWOL without any handoff to a new handler. In both cases, they left unanswered emails and calls and I had to call the call center, as well as write to both the team manager and Complaints dept. to get someone engaged
- (I should have just taken the cash settlement but.... ) I opted to go with the TD-appointed Contractor to carry out the repairs on the assumption that TD has vetted the contractor to ensure reliability and integrity. I also did not want to be managing the repairs and finding my own contractors.
What a mistake!! As yet (12+ months later) the contractor has not completed the work and my claim remains open with TD
- The contractor has sent in subcontractors with a poorly defined scope of work on multiple occasions. One team left my property further damaged and showed little respect for my home and did not respect any Covid protocols (they showed up with 5-6 men to do work in a relatively enclosed space in my home and did not wear masks). Pure negligence (not covering the hardwood floor) that resulted in new damage to my house
- I fired these subcontractors and I am still waiting on compensation from the first subcontractor that they agreed to pay in April 2022 for the extra damage. I have chased them 3 times on this and they simply say they will contact their "head office" and let me know. TD has done nothing to assist on this other than send an email asking them to update me on the status of the compensation
- Despite assigning a PM and Coordinator to manage the repairs, they have failed to properly coordinate the job and failed to even properly inspect a damaged window opening before approving the replacement window to be installed. They are now blaming the window installer for this but the project coordinator was on site when the Window went in. This lack of planning and foresight has delayed the work by many months.
- Following my complaint to TD, the claims team manager is personally handling the claim. As I said, they have done little to resolve the issues (to my knowledge) other than initially trying to defend the complete lack of customer care and unexplained absence by their own team members and sending the odd email to the subcontractor.
- In the interim, they have gone ahead and increased my premium so I have the privilege of paying, even more, $$ to them while this mess continues at my home.
- I'm in the unenviable position of having to pay TD and cant even switch insurers due to the claim remaining open!

Had our hot water tank spring a leak in our furnace room. Destroyed numerous collectables and personal property not to mention damaging walls and flooring. It's been over 2 and a half months and have no idea what's going on or if my claim is close to resolution. I called yesterday and expressed my feelings on the complete lack of communication and the challenges I've had reaching my "claims specialist" and was told I would be contacted the next day by someone. Guess what, no call... I'm getting fed up with this... Not sure what to do from here... Maybe call a lawyer?

Like others I recently had major damage occur during the Ontario storm.

TD has done nothing, calls and emails are not returned. We were assigned an emergency contractor for repairs, but they never called or came.

My roof is torn open and trees are still down at front and back, pool leaking 4K ltrs a day - no one at TD cares.

Transferred to 3 different claims advisors in 16 days.

The takeaway is that when there is an emergency TD is going to do nothing to help you. Shop elsewhere.

TD Employees are trained to only say "I'm sorry" without offering anything else to customers, like myself, who after 18 years of paying claims was bounced around from incompetent agent to agent. Even when I reached their Customer Care department, and assured I would no longer have to wait WEEKS for a response, I waited WEEKS between each call. If you like being placed on holds, never getting an agent to pick up the phone, your emails ignored and the most frustrating claims adjusters, this is the company for you. I have never been treated worse or spent so much time trying to get a claim resolved like I have with TD. I am moving all my business elsewhere.

I had my basement flooded. Day four after flood and claim and can not reach anybody. Nobody came or did anything so I started to renovate myself as while house started to stink...

This company is terrible. I had a claim and they took two months to get it fixed when my neighbour`s insurance had it fixed in a week. They always take the maximum amount of time to get the paperwork processed... When they say no more than 10 business days you can be sure they will get back to you at 5 pm on the 10th business day. The adjuster was confusing and did not take ownership - I always had to follow up with him and he would sometimes take over a week to email me back. The wait time to talk to these people on the phone has always been 40 minutes or more - no matter what time of the day. They also try their very best to not follow through on the claim and will leave you having to pay for things you thought for sure would be covered. I have tried to call them 4 times to cancel my insurance and have waited over 2 hours on the phone... Stay far away from TD.

On 13th June 2020, my SUV and two houses were damaged and it been two months and I am nowhere yet. I probably spent over 60 hours on calls with them and the adjusters won't even answer or call back, also they will not reply to the emails. Finally, they are paying for one of my houses and the payment amount is 50% which actually will cost me to fix the house. I WILL NOT RECOMMEND TD insurance at all. Find a better company!

Everything is fine until you have a claim. Unable to speak to anyone, no follow-ups, running after the money they owe us, ghosting us after complaints and outright lying to us that they did not receive documents from a month ago. Overall very stressful and frustrating to say the least. We have been good clients for over 10 years but will never go back. Still waiting on our claim though…

We have a claim for the Jasper wildfire and from the very start TD insurance has been a nightmare. Adjusters are impossible to get a hold of. When you do, they are completely uncaring and cold. You are questioned like you are on trial, and they are trying to find you in a lie. They are trying everything not to pay out. As soon as we are done, we will be switching insurance companies.