Desjardins Insurance Home Insurance Reviews

There was water damage in my condo. The building is insured by Desjardins. The claim was made in September 2019. Desjardins recommended a company called Langevin Gus for the repairs. The estimation before the pandemic was $10,000. Langevin's project manager is the one who hires the contractors. That project manager is not courteous and he's not pleasant to deal with. Is that why all the contractors he hired ended up missing in action? One, the repairs were cancelled one week before the starting date, supposedly because the floor person was not available anymore. The moving company and the temporary condo were booked and I had to cancel them last minute. Then another contractor came to my place. It looked like he was definitely going to do the work. But I never heard again from him. The project manager told me that he too was unable to reach him. All that time, months were passing by. Desjardins kept telling me things were slow because of the pandemic. I suspected that there was a money issue and sure enough when I asked, Desjardins's agent told me that they didn't want to go one cent over the original estimate which was made in 2019! Everyone knows that construction prices have gone drastically up since then. A month ago, I decided to put pressure on Desjardins; I felt I had been way too patient. All of a sudden, the project manager found a contractor. Yesterday I went to my condo; they ruined my hardwood floor. It was a beautiful cherry wood floor with a lightly tinted sealant to unify the colour and a semi-lustrous varnish. They sanded it so badly that there are now waves in certain parts. Then they put a super matte varnish, without any toner to unify. My floor now looks like a cheap floating floor! Furthermore, they put pale beige putty between some of the planks and it looks horrible. Not surprising since these guys were probably paid peanuts. I called Desjardins's agent, and he wasn't receptive at all. Looks like I am going to have to sue them. I did leave a message with Desjardins's customer service. We'll see how that goes. But do you want to know the worst? Desjardins augmented our insurance by 19.5% last year, and 19.5% this year, and they say it will keep going up for the next four years!!! Had we known, we wouldn't have made that claim. The franchise was $5000 and the estimation was $10,000 for the work, which means that it would have been cheaper for the co-owners to pay from their pockets for the repairs.

We had water damage in our basement, which was covered by insurance. Desjardins sent their emergency recovery team out within 24 hours of contacting them, however, that's where the problems began. When they brought the fans and equipment downstairs they damaged the walls. When we requested to keep the damaged wood flooring for firewood, they didn't listen and took it with them when we weren't looking (in virtual work meetings). Based on this experience we wanted to use our own contractor rather than the Desjardins contractor and this is where it got really sketchy - they insisted that they would give us $1000 less if we used our own contractor rather than their's, then they started hanging up on us when we called and not answering our calls. Not sure how this will end but it's bad enough that we will loudly tell everyone we know to never use Desjardins!

Desjardin is a fraudulent company. They do anything to get out of paying for insurance claims. House had pipes burst and they won't pay for damages because they said we weren't home. So even though insurance has been faithfully paid every month, it's only good if we're home if damages occur? How absolutely absurd and fraudulent is that ESPECIALLY since we upgraded our insurance policy.

Looks like Desjardins is used to these reviews now. Look at them all. Honestly don’t use Desjardins for home/auto insurance especially if you’re a landlord and especially if you operate a short-term rental. I filed a claim in early Oct 2021 for water damage from the condo on the floor above my rental. The salesman assured me I was covered for Short Term Rental. I had 3 properties and a vehicle insured with him. What he didn’t say was I’m only covered for bookings that I had to cancel due to flood and repairs which in the STR world isn’t many since the majority of bookings come 3-5 days before check-in. It took him and the claims agent 2 months to tell me all that while my place sat empty and inhabitable. They cost me 2 months of rental income. An insurance company that’s supposed to prevent me from losing money actually made me lose more money by being insured. Let that sink in.

Home siding/roof damage September 2021. Now November 2021, no word on when we are getting it repaired yet. Very disappointed on how long it's been dragged out.
The customer service folks are polite, but the insurance its self represents a scam to me so far.

The Company is hiring the most incompetent Contractors, I would never bring them into my home if I needed a job done.
They didn’t follow safety codes (or face-covering in my home), damaged more than fixed and lied about everything (even though I have video footage). I hope no one has to go through this!

Too bad. My house was damaged two months ago. Not even finish paper estimate now!
No reply from advisor. When I want to talk to the manager rejected.

Gone are the days of Statefarm.

Our agent is good to work with but as soon as you need to make a claim it’s complete disorganization. Agents are basically sales agents and no longer advocate for their customers. The claim process is unclear and our claim manager is completely unavailable. It takes weeks before we hear back from him and when he does follow up it’s as though he’s reviewing the case for the first time.