TD Insurance Home Insurance Reviews

So I highly recommend if you use TD insurance, to cancel and go with another company as soon as possible. After 6 months of phone calls and emails, they finally cancelled my insurance policy admitting to me how sorry they were that they dropped the ball on this. They sent me a bill for 20% of this year's policy (they auto renewed) because I was 2 weeks late informing them I’d switched companies. The letter also informed me I had 14 days to pay up or they would send me to collections! I called and was on hold for an hour and 38 minutes and was promptly told by a Steve that they were entitled by law to charge this ridiculous amount and if I didn’t like it, I could contact the government Regulators and take it up with them. Worst customer service I’ve ever had in my life and I intend to let everyone I can know just how completely terrible they are!

I was feeling disappointed after being told that their loyalty discount disappears after 3 years (after the current year 12% rate increase). Claims-free for 40 years. However, after reading some of the horrible experiences from other customers, I am extremely thankful that I have never had to deal with them on a claim. Not sure if the telephone support people are insurance agents but seem to have limited insurance knowledge regarding what is covered in the policy.

In a completely surreal moment, I was told that it would take 6 months to have a TD contractor out to replace the severe wind damage to my roof caused by the May 4th wind storm. The wait for an adjustor is 8 weeks since the time of the claim. I have been paying premiums for 30 years without a claim.

I was told that waiting until November for a new roof would be no problem because TD insurance would cover any additional damage caused by not having a roof.

They are useless and deliver bad service. Constantly raising rates even between terms. Not happy at all.

We had a wind and water claim started. We had this open for about a month after calling in and took forever to get someone to come to our home.Adjuster was rude,unorganized never answered phone judged everything as though she was paying out of her own pocket, very cheap outfit! Dropped us at the end said if we didn't come up with money to pay for sheathing and to add over inflated price x2 the price the contractor wanted to put in they would not proceed. We are talking over 6,000 plus 1,000 deductible or pay us out so they could wipe their hands of any liability as they weren't paying .We didn't have that money in the budget and at first were told everything was covered. No we had to take the payout and they automatically deduct the 1,000 deductible and even though they have a quote are going through with a fine comb to trim costs. At the end the million dollar roofer who works for them is making a killing even tried to make private deals and get us to approve work just so he could move on. I offered to purchase the wood to afford the repairs and flat out no was the answer..If you are here looking at reviews take the money and find a small time carpenter or company if not in an emergency like us. What a disaster never again! Run stay far away from this outfit cheap rates but you will pay for it in the end.

Shop around and don't believe a word these crooks tell you. Had our geosystem malfunction due to utility power surge and provided manufacturer and technician reports claiming the facts with pictures. Been insured 20 years with them and never had a claim till now. They denied it and ignored all the facts!!. On top of this, we paid premium rates for the best coverage possible. 2 weeks later they told us "denied". Glad my house didn't burn down! They don't care about you! I will be moving all my business elsewhere! Marveree Y is an unprofessional representative, to say the least!!

Had a basement leak. They were fantastic to send somebody out that night to help get cleaned. Now the horrific truth!! The restoration company does nothing after the first night, leaves their equipment until convenient for them to pick it up, but charges you a daily rate. Meanwhile, TD mentioned nothing about any charge, which for us was almost $2,000. Three weeks later after doing nothing past the first night but charging you, we get a letter from TD Insurance that the damage is not covered and their file is closed. Don't understand how they came to this conclusion because they did nothing. We hired contractors on our own that are working on identifying the leak. TD Insurance nor their restoration company do anything to help figure out the problem - bad enough they are useless after the first night, worse that they kick you onto the streets on your own after they have happily taken our premium payments for 18 years, and never had any other claim. Best advice - don't use TD Insurance and find a company that is reliable and is not in the business of just money collecting, but rather provides a service for what you pay for!!

1 hour 6 minutes holding on the line listening to their commercials. Due to their poor customer experience management, they created a problem for me from nothing and made me solve their puzzle by wasting my time and money.

I recently got a quote for insurance on a cottage that I was in the process of buying. Everything seemed to go fine. On the day of closing, when I called to activate the insurance they told me that whoever I was talking to the first time made several errors with the quote and that not only would they not be able to give me the quoted price but they couldn't insure the cottage at all because it wouldn't be profitable for them to do so. Truly terrible service.

Our house was damaged due to fort Murray wild fire, and due to TD’s miscommunication, and unprofessional handling, we are still not in our house. Also they have not settled our additional living expenses yest. We are under a lot of mental and financial stress right now. Their adjusters have no clue how to fairly assess the customer claims.