CNS - Canadian Northern Shield (RSA) Home Insurance Reviews

First, they did an inspection and claimed my home wasn't to code, but wouldn't provide me with any actual details. I Had to deal with my Broker (another terrible company but that's for another review, Hub international... avoid them like the plague too) to finally get a full detailed list of their issues.
1 thing was minor (need a downspout extension... it was gone, probably kicked off when the kids were playing in the snow in the yard over the winter... 10 buckі fixes).
2 were non-issues (said the dryer was hooked up incorrectly with a flex pipe and it had to be a straight metal pipe. This led to an argument with the broker trying to tell me all dryers are hooked up with the straight metal pipe, not a flex pipe....yeah right, so all exhaust vents on dryers are on the same side and perfectly line up in every home with a straight metal pipe and you can magically slide them in place to connect them....nice dream world she lives in. He also said there were live wires hanging in the furnace room. True, there are wires hanging in the furnace room, CAT5E cables for the multiple connections I have for the various places I have computers set up and other network devices hooked up. So they aren't actual electrical cables and carry no current, Really Big concern is he couldn't tell the difference).
The biggest issue was apparently my electrical wasn't to code... took multiple back and forth to figure out what they were talking about to finally determine it was some electrical lines in a storage area and they had to be the armoured cable. After that, I looked at what they were talking about, contacted my brother (an electrician) took pictures and sent them on to him only to find out it was to code. Code says anything over 5 feet doesn't need to be armoured cable and this became a sticking point, they refuse to accept they were in the wrong going as far as to cancel my insurance when it runs out (and the broker telling me it was time to grow up and pay to have it fixed. Yeah, don't use Hub International as your broker. They do a good job of treating you poorly).
All in all, The 'inspector' was a joke, I had to give him batteries for his range finder so he could do measurements. He struck me as someone who had little training in this area (IE home inspections, basic understanding of electrical, plumbing and general home construction).
I was thinking to myself this was a person who had literally failed at everything else in life and he proved that to me when he told me he worked for his dad doing this (proving that he only had a job because of the family).

The Claim portion.
Shortly after the inspection, a house about half a block away explodes and shatters a window and cracks another. I put a claim in and 3 months passed and nothing... They just kept saying they needed info from the RCMP and they need an expert to assess what had happened.
Now they say the cost to repair will be less than the deductible. I gave up and cancelled the claim. I am having the window repaired and it is FAR more than the deductible (course I am upgrading the windows in the process because well... in for a penny in for a pound, but even a basic window install would have cost more than the deductible).
Done with them, avoid them, run for the hills... This company is so bad they are literally changing their name to try to lose the bad reputation they have...

I had a flood in my small kitchen and the Canadian Northern Shield Insurance adjuster and company, in general, were not kind. They took months and months to do my claim. It was just replacing my floor. I literally had to make calls and calls to get the job finished. In the end, my refrigerator and dishwasher are still not working. I never got reimbursement for all the food lost. Today I have no dishwasher and wash my dishes by hand since April 30, 2021. And my refrigerator is still not working. I can’t buy too much food or it will melt. Very disappointed. Buyer beware. Make sure you read your policy before signing it. I am warning my family and friends. The company is not insuring me anymore. Because of the claim I made.

I put a claim in for property theft. I never got a payout. Lost all my trade tools. I was ignored. And had to send my claim 5 times to my adjuster. And still got no response. Now I think that the 20 years of my monthly payments to them was just a scam...