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.

I filed a claim and 3 weeks later still no payment they are liars and do the check with the courier lie.

Of course, you pay them monthly feeling like you are covered but trust me you are not. I feel grossly mislead by this company. I am a professional organizer and was sold insurance under the pretense that they would cover an event where accidental donate takes place. I confirmed this verbally with the underwriter and I have a record of her asking me questions about it:
to me

Hi Jaclynn,

Sorry, the underwriter has more questions now:

-Who decides which items to dispose of?
-How does the insured know not to dispose of certain items?
-What if the insured disposed of something by accident?

Or course years later accidentally donation occurs and they won't even pay out a small $3000 claim. I am absolutely disgusted that I have paid this company for years.

What your policy says is not what it means!!! My policy says outside structures insured for 39000.00 which appears to be fine, NO! That is not so simple. I recently had 32000.00 in outside damages and you would think that it would be great. No way! They say I should have been insured for 109000.00 for outbuilding coverage. Their formula works out to be 10000.00 worth of coverage. But because they are a wonderful company they will go as high as 20000.00 take it or leave it. So, read by your lawyer because their policies are terrible!!!

Make sure you compare their quotes with any other insurance company in town first! I dealt with Westland Insurance back when it was still Holly Gordon Insurance for over 20 years. Westland buys them out. Now all you get is: people are out of the office voicemails. No replies to emails. They're out to lunch (literally)... at 5 PM(?) working the evening shift, they don't return calls. Prices went up while the service went down. I had multiple policies with this company. No longer. Their service is sub-standard.