Home Insurance Reviews
CNS - Canadian Northern Shield (RSA) Home Insurance Reviews
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(31 reviews)
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Bikes, Belongings (4)
Billing/payments (8)
Brokers, Insurance Agents (3)
Cancellation fee (2)
Claim - adjuster (4)
Claim - contractor work (3)
Claim - denial (1)
Claim - flood/water (7)
Claim - roof (1)
Claim processing time (4)
Complaints/ombudsman (2)
Insurance Rates, Prices (4)
Policy coverage (10)
Policy Switching, Cancellation (3)
Renewal experience (1)
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Atrocious service. Ted F and Steven S attempt at managing my claim was extremely disappointing and frustrating, to say the least... They made zero attempts at subrogating my claim, missed callbacks, meetings and didn't return messages or emails. These two's complete lack of care towards their clients is my #1 reason I cancelled my policy. Friends and family have also begun transferring policies after witnessing the incompetence. Avoid!
My leak is caused by a public pipe. After strata made it clear that it was not my responsibility, he kept telling me it was my responsibility. He arranged for workers to enter the site to dry, and opened my wall, which increased the workload of repairs. After that, he kept telling me that he would arrange maintenance for the subsequent maintenance. But I didn't believe him and stopped the loss in time. My strata undertook the follow-up maintenance project. When the case was over, the claims adjuster threw me a bill, $1767.63. This fee is for drying.
Obviously, this claims adjuster wanted to profit from the project.
When I complained to CNS, his superiors protected him. After I filed a complaint with the insurance industry regulator, I found out that the claims adjuster did not have a license to practice. His license was terminated in 2019.
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Had a roof leak that leaked into a top floor closet. They opened the file immediately and had a restoration company there within 2 hours of opening the file. Our claims adjuster re-read our policy to determine what we were covered for, and she made it happen. Within a week it was all put back together and fixed. She was awesome and explained things clearly. We were confident that we were working with people who care. A year later we moved places and had a plumbing concern that Strata was trying to blame on us. Again we had our previous adjuster and she took no information from our Strata and told them what was their responsibility and what we were responsible for. This is exactly why we bought house insurance, we wanted someone to stand up for us when something wasn't our fault and advise us of our options when it was our fault. This company has been awesome and I recommend it to all of my friends and family. I trust that our back is covered when we need it the most.
The claiming experience is horrendous.
The adjustor was first forgetful and could go missing while handling the claim and then when picking the contractor for the repairs, and the adjustor was purposely not explaining clearly its price ceiling practice. Basically, either our own contractor does a price matching to its preferred price, and they wouldn't pay a dime of anything extra at all even if you bought the insurance from them.
It was completely ridiculous.