Westland Insurance Home Insurance Reviews

We had a flood in our home and contacted our insurance company Westland Insurance. They told us we were not insured and they couldn't do anything. You would think any decent person might ask "is your family safe"?
I switched from TD to BMO and the pre-authorized monthly payments didn't go through. They said they tried to call my old Vancouver phone number and send an email to my email my old email address.
My wife is the second person insured on our policy and has been a Westland Insurance customer for 11 years. They informed me that they have her phone number but did not need to contact her. A friend who previously worked for Westland Insurance informed us that they should have contacted our mortgage lender once the payments didn't go through.
They chose not to contact our mortgage lender and did the bare minimum to make sure that we were insured.
After we were denied our claim they refused to insure us again.