TD Insurance Home Insurance Reviews

Never use TD insurance as it is there to collect premiums only and god forbid if you have a claim they will rip you off by working with contractors who report only what TD wants them to report. I have been a customer of TD insurance for more than 15 years. Experienced a sewage backup that has destroyed a portion of my beautifully done basement. The sewage backup occurred twice due to a city pipe egging. To my horror, the TD representative was not only very difficult to work with but blatantly ignored facts to connive with the TD contracting agency (Integricon) and make a decision to not cover just expenses. I highly suggest customers not consider TD insurance as if you get a claim you are in a lot of trouble with representatives like mine who are out there to minimize expenses for TD despite legitimate customer losses you will be left to pay large amounts from your pocket.

The TD house claim department is totally unprofessional. I called and sent multiple emails to the claims agent for updates and they never responded.
I've been a client with them for 20 years and this is my first house claim and they are not able to handle it in a professional manner. Extremely disappointed with the client service.
I called and emailed the claim agent Laurence A and her Manager Sonia M and until today no response from either one.
I can conclude that the management is not doing their job at managing their staff.
These are the people that I would never hire as part of my staff.
I do not recommend this company!

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!

In this recent hail storm, all of my neighbour's insurance companies paying them to replace the roof and siding and this cheap company telling me to repair it instead of replacing, and when I tried to talk to them my adjuster stop picking up my phone calls and no reply for the emails. Do not blame your luck after getting this cheap insurance company. Stay away from them.

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.

TD INSURANCE CLAIM is worst experience, never ever recommend to someone. Recently with Calgary hail tried to make claim, waited for 3 hrs and 26 mins and after that got someone on call, raised the claim number with the promise that i will receive call back within 24 to 48 hrs but no response till now after 72 hours. Trying to log in through online all in vain, called their call center they simply say we are helping TD BANK ACCOUNTS and this one is 3rd part vendor so you have to talk to them directly. It seems like a big scam of this big bank by making fool of people by believing you are dealing with TD but in actual they are just enjoying their part of income from 3rd party vendor and don't bother about their clients at all. WORST EVER EXPERIENCE WITH THEM, I WISH I COULD HAVE GIVEN THEM 0 STARS :(

My representative stated that they would give an estimate last Friday over 1.5 weeks since the accident. We sent him numerous calls and emails and nothing! As though he ghosted us. Not impressed at all!

I purchased an “enhanced” home insurance coverage with “extended” water damage. I never had a claim before. Due to heavy rains, water entered into the basement causing molds. TD sent their contractor from First Onsite to conspire with them as he is getting paid by TD. They denied my claim due to “gradual” damage, which is their excuse for every claim to escape from paying for damages. TD is a public company, so I got rid of my shares right away due to their unethical business practices. No wonder they are being investigated for money laundering. Do not use TD for anything. Evidently it was not gradual, as we sleep and work in the basement. They are deceitful. I have never seen the exclusion items, which essentially was a tactic to never pay for damages prior to purchasing home and car insurance from them.