CNS - Canadian Northern Shield (RSA) Home Insurance Reviews

Extremely difficult adjusters to deal with, to add they sent 3 other so-called experts to look at my property, some of them extremely unprofessional...I will never recommend them poor service from start to END, FROM OUTSET LITIGIOUS.Do not buy... waste of time and money to deal

Had a jewellery loss claim that was covered by a rider. Found out 2 things. The company had nicely stated they would adjust the insured value yearly (based on market conditions we assumed) so that we would not need to provide yearly appraisals. Thought this was good as we believed an insurance company would have intimate knowledge of the market fluctuations. Turned out this is not true as they claim they have no idea of the market. They increased the insured value of the item every year and hence the premium, from some $7,000 insured value to over $20,000 over those years. When it was lost, all they would cough up was $2,500. When questioned they stated they were not gemologists and had no idea of market conditions. Next was the fact that they stated if we decided to go ahead with the claim, they would not renew our policy. This was due to a previous claim some 2 years prior for a break in, which after the deductible, cost them roughly $2,000. They would not budge from that position even when I stated we had mitigated the loss because of a monitored alarm system which had the police responding in less than 5 minutes. The attitude was that they could care less. Going ahead with the jewellery claim would have seen us blackballed due to 2 claims in less than 3 years. We had no choice but to withdraw the claim and cover the loss ourselves. Given their attitude with regards to a long and previously loyal customer, we insured with another company. I will also be pulling our commercial policy from CNS's parent RSA. A move that will cost them over $9,000 a year in combined billed premiums. The kicker to the above was that even after the multiple emails with CNS regarding the jewellery claim and premium issue, they still sent us a renewal form further increasing the insured value of the lost item by another 7%.
Appears obvious to me that internal communication is completely lacking and that the bottom line report to head office is all that matters.

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.

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 an insurance policy with CNS for years. I have never once made a claim either. Because I didn’t renew my insurance policy with them, they decided to send my overdue cancellation fee of $!51 to collections rather than call me to advise me of this! They have a lot to learn in terms of customer service! Look at their ratings! Do your homework people!

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!

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.