The Personal Insurance Home Insurance Reviews

I have been a customer/policyholder of The Personal for 12 years and made my first home claim due to the Nov 2014 wind storm in the Oakville/Burlington ON area. The claims management experience has been a nightmare! Little assistance to help the policyholder through a stressful process, ridiculous policy on covering damages/expenses incurred because of The Personal and their service providers' incompetence, and to top it all off, a painful process to even get funds forwarded in order to pay service providers for those expenses they DID accept!!! Unbelievably bad customer service skills, adjustment/claims management process and expense reimbursement. I am beginning to believe that the favourable rates (mostly due to a group plan) are just not worth it. Stay away for the claims experience alone - believe me! If I could choose NO STARS I would.

In August 2014 there was a very bad hail storm in Airdrie. Pretty much everyone had damage. The back and side of my house were hammered with hail. My siding is no longer available. The personal plans to use a different colored siding on the affected areas! I will have a two tone house! This is crazy. All my neighbors who are in the same position are getting a full wrap of new siding. The personal is the only insurance company following the'letter of the law' on this. Every other company is using common sense and deciding to do the right thing by their customers. This means I either agree to having mismatched siding or I pay $12,000 additionally to replace the rest of the house to match. DO NOT USE THEM. You will regret it.

So we had a flood in our house from a toilet upstairs in the end of August.
It is now December and I am still waiting for my house to be fixed :(
Also when I complained about the workmanship my adjuster said that there was a clause in my insurance that prevented the workers from fixing the house! The walls are all crooked and they will only replace the countertop in the kitchen that was damaged not the whole counter top as the countertop that was damaged was the breakfast bar. And of course I could not find an absolute match so now I will have miss matched counters! Worst company ever for customer service as I can not actually speak to them - I have to go through the adjuster!
Also when the claim was first filed they tried to tell me it was a ground water claim where I would only get $10,000 not the full value of what it should have been - had to fight for that!