Home Insurance Reviews
Meloche Monnex (TD Insurance) Home Insurance Reviews
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(164 reviews)
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We seem to have had a very different experience than most of the people writing reviews here! We recently had a water leak in our house that did some substantial damage to the walls and hardwood floor on the main level and to the walls, ceiling, and carpet in the basement rec room. TD sent a guy over within 24 hours to assess the damage. From the moment he arrived, Brian's message was not to worry and that they'd take care of us. A remediation team was sent in shortly after to do the immediate clean up. Right behind them was another team to do repair estimates. Our claims adjuster was Stacey and she called regularly to check on us to be sure we were being taken care of. Within a week we had an approved claim and had only to decide whether we would have their contractors do the work or hire our own. I was amazed at the service! Particularly since we'd only signed on with them a month before, a decision prompted by the fact that they were able to provide more than a $1000 discount on the home and auto bundle. I am so glad we made the switch. They could not have treated us better.
The only good thing about this company is that customer service answers calls promptly. As a home owner that has never had a claim during 20+ years of home ownership, I have seen my rates increase from $90/mth to $280/mth over the last 6 years. Time to shop around.
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TD is currently using lower end contractors to drive down rebuild costs in Fort McMurray. Been fighting with them for 6 months to get the costs of a rebuild with a builder of my choosing. Very discouraged with the tactics they have been using to cut there own costs at my expense, I do not need to deal with the many problems that will result if I use one of their preferred builders. TD's preferred builders have nothing but past legal issues or little to no experienced.
What kind of a joke company charges 250$ to cancel a 1000$/year home insurance policy because I chose not to renew two weeks after the renewal date and had not yet paid them. Bunch of scam artists. Complete trash company, will never do business with them again.
Had a renters insurance policy for a few days with them, the quote they gave me to start was several dollars a month less than what they ended up charging me. Found an other company that gave me renters insurance for half of what TD would. Ended up cancelling the TD insurance yet was charged a 69$ cancellation fee I was never told about. They wouldn't negotiate at all on charging me this. Would not recommend this company to anyone. There's going for profits then there's gouging people at every opportunity. Seems TD is the latter.
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In 2005 I put in place coverage for my rental property in Fort McMurray which included Additional Living Expenses. In July following the evacuation due to the wildfires I submitted a claim for loss of rental income; which was denied as ALE wasn't in place. Sometime in 2014 an employee of TD Insurnace changed my policy without my knowledge or consent and dropped ALE coverage. I am in the process of appealing this; but am not too hopeful for a successful resolution.
In regards to the Alberta wild fire of 2016 I had made a call to open a claim as we were being evacuated. During evacuation, monies were granted to myself and family for living expenses without any word of property damage, we were told to contact them in the coming weeks if more money would be required. As the month long evacuation progressed we did contact Monnex and was granted additional living expenses.
Upon return to our dwelling our adjusters' name and contact information was provided. We worked directly with the adjuster at this time and had a very pleasant experience.
When all was said and done (we are about 99% complete to date), TD Monnex Meloche has the reputation in our community of being the insurer to work with.
Their agents, adjuster, format for expenses, communications, and timeliness of claim closure made the entire experience a lot less stressful to deal with.
In summary, I will renew with TD and I know of many people who are now going to switch to TD Monnex Meloche.
Thank you to all who helped.
Their customer service is really rubbish, poor performance, they failed to inform me that I need to call them urgently after closing the ownership of my property and now refuse to insure me. Really poor, had they told me that I had to call immediately I would have. I will never use them again and will pull everything out.
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Being a loyal TD Bank customers, we opted for TD Home Insurance and they have cancelled our Home Insurance without giving any notice or call and would not provide is with a new quote and the state they dont wish to provide us any more Home Insurance Service due to non payment. To start with it was a pre-auth payment just like the one we have set for auto insurance.Since the time we received their first mail(which according to TD is not the first mail) we have been trying to reach them to resolve. The Customer Service Rep & Manager were rude and wouldnt help us. Finally after a long struggle they issued a new quote and when we called back to discuss they said its rejected as we have nonpayment history. Am surprise how much they dont know their customers. We were warned by friends but still went ahead with TD Insurance and today we are worried and shocked at our state. TD has no quality,respect for customers and cant be trusted any more. I wonder if i should bank with them anymore. They have put us in deep trouble and wouldnt help. I received no earlier correspondence from them on the cancellation and they have put us in risk. Would be great if we receive help in escalating this matter higher up and getting a resolution.
I have an auto insurance policy with TD Meloche Monnex. An agent offered insurance on the contents of my condo apartment and I requested confirmation by email. It did not come and I learned on inquiry that they withdrew the offer because my apartment is not presently insured. I see no sense in that because what is insured is the same. I was told it was their policy. Other bank-based insurance companies told me the same. Why? Are the insurance companies conditioning people to insure their valuables with them at all times?