SGI Home Insurance Reviews

It’s already been a year and a half since the water escape and rupture of March 23, 2022 in my kitchen with secondary results also leading into the 3 adjacent basement rooms and staircase. The decision to wait till spring has caused extensive damage to the entire house with air borne spores and the restoration company told SGI Canada this one fell through the cracks. I have had No kitchen taps since the incident of March 23, 2022. The kitchen cupboards are torn apart, countertop had been cracked and the dishes get done in the laundry room. The last year and a half June 27, 2022, when the restoration company came out to do the tear out in the kitchen the linoleum was tested and it contains Asbestos and the kitchen corner two walls has extensive water and mold damage to it. The restoration company just covered it up with a black bag and tape and left it like a bandage. Pushed the broken cabinets back and walked away. Both myself, my husband and our cats and dogs have been sick since the exposure of Asbestos and all the 7 different mold airborne particles from the house water damages that are neglected by the insurance company. No clean up from the restoration company no approvals for anything until 7 months later only to hear from SGI Canada that she is waiting till spring 2023 to do the work and I only have 2 years to complete the work. I am disabled and was in a car accident December 21, 2023, I know how a lot of you people feel when we’ve been neglected by our insurance company. It’s terrible and they always seem to get away with their actions to harm innocent people.

The water claim that just won’t go away. All I want is what I had replaced. Seems as if between the Insurance company and the Adjusting company, they will go to every option not to have your items fixed properly or replaced. Is this not why an individual buys insurance???

Run far away from SGI home insurance! I tried to make a claim for water damage and broken windows and doors due to breaking. Every single new thing that was found (as how it normally goes, you see more damage as you go along) was filed as a “new” claim (even tho they all related to the same incidents). They are just looking to get more deductibles. For the water damage, they would not send an adjuster, at my suggestion, said I could hire a plumber or home inspector to see where water damage came from (as it was not at all evident). So I pay ridiculously high premiums for 10+ years without ever making a claim, then I am told I can hire my own Inspector, and if it’s found that the damage is covered (which they will do anything to not cover it) the fees I pay out of my own pocket, work THEY are supposed to be doing would be reimbursed Not to mention the approx 10 hours of phone calls/emails/taking and retaking photos only to have the claims denied and one given the run-around and hoop-jumping (“go get quotes for only the panes of glass, we won’t cover the frames”). Such a nightmare! So, NOT use this for home insurance, I will be pulling all my policies

Put in a claim over a month ago for damage to my walls after a roof leak. We’ve had SGI home insurance for over 10 years without a single claim. The adjuster came, took pictures and we’ve heard nothing in over 30 days. No response to emails, they never answer the phone and after leaving voicemails, no calls back. Called SGI's main number to talk to anybody that may help and was told to call the adjusters boss. Guess who won’t answer her phone or return calls either? I DO NOT recommend SGI home insurance. When this is settled, I will be switching insurance companies.