CNS - Canadian Northern Shield (RSA) Home Insurance Reviews

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.

Worst experience with an insurer ever. I have paid policies for decades and then claimed on a $2500 bike which I had verbally confirmed: "do I need a rider" and was told 'no - you have $2000 coverage' as in all of my prior years. The bike was stolen and well-documented by the police report and property manager with full receipts, and photos of the sawed-off heavy steel locks. CNS paid out a half and could not have cared less about my documentation or any further dialogue. "Take it or leave it". Apparently, coverage was now $1000 but I wasn't notified and the agent didn't automatically mail the policy to the new address that they were covering. The CNS agent was very difficult to get hold of, wasn't interested at all. The message I got was 'just go away - try to get your money from the broker'. This was my son's main transportation and was deeply important to him. CNS made a devastating loss much worse and it's still dragging on 10 months later. I would avoid CNS at all costs - it wasn't worth the bit of savings - we're still upset about it. I truly feel that they are in the 'payout avoidance business' rather than helping valued customers recover from a loss in an economic win/win over time.

We've been paying premiums for decades but had never made an insurance claim until last year when we had a fire that seriously damaged our home. At that point CNS sent their team of preferred suppliers in to assist us. We found ourselves facing off against brokers, adjusters, contractors and suppliers who directly represent CNS interests. We have no one to represent our interests other than ourselves - but we've got no expertise in dealing with insurance or construction issues. How would we know whether the two reconstruction quotes their adjuster had two of their reconstruction contractors come up with is adequate or appropriate? One of their contractors came in and removed our belongings when we weren't there and didn't provide a receipt for the things taken. Our claims for additional living costs were arbitrarily rejected and we have a lawyer who will be pursuing them on that. More than anything we've found them to be bullies who use delays as a means of pressuring and punishing policy holders who don't agree with them. They've consistently shied away from any kind of dialogue that would explain their position. It's not just CNS - their broker, Sea-first, has been no use to us whatsoever and their adjuster, Lindsey, is one of the most obnoxious and offensive people we've ever met. They've gone out of their way to cause us anguish and uncertainty - you have to wonder how they can stay in business.

Six months into my policy, CNS has decided that my house is 'worth more' and want to change my premiums. They have super inflated the value of my house by over $200,000 and I could never sell it for what they 'say' is the replacement value, let alone afford the exorbitant premiums. They also make me pay for 'furs and jewellry' in their household contents section and have given me no choice to delete that since I have none of the above. So they are charging me insurance for contents I don't own and say that is the way the package is. Very poor service and unprofessional---that was my experience.

We had a fire in our home. Not a complete write off mind you but significant smoke and water damage. The company who came to take everything away and make it better, wrote everything off except the kitchen pots and pans, plates and cups. In their haste they left out pieces of furniture on their lists of write offs and failed to include specific details about what they were writing off. ie. " ziploc bag of maps", or X number of books, X number of DVDs. So there was no record of what we actually lost. Then the insurance company takes this incomeplete and vague list of write offs and sends the list to another company who uses a random write down / depreciation formula to further reduce the insurance companies liability in the replacement costs. The formulas were very random and did not allow for the fact that in Canada a swim suit or pair of shorts might only get worn once or twice a year and sometimes not even. But the formula says the life of that garment is 3 years. Anything over 3 years old has no value, according to this company who specializes in assessing values for the insuarnce company.
So first the write down company has incomplete lists and descriptions from the clean up company and secondly their criteria for a write down is completely random and irrelevant to the average home owner. Yes companies do write down assets and depreciate items for valuation purposes but families wear and use things until they wear out, at which time they become painting or work clothes. They still have use and value. Not so with this insuarnce companies process. They write down the home owners write offs to reduce their liability, leaving the home owner to bear the loss. It has been over 60 days since our fire and all we have seen is write off lists and now this multipage " assessment list" where they want us to tell them how old the items on our write off list is. Do you remember when you bought that striped wool neck scarf that you still wear once in a while when it really blows? Of course not.... we can't remember when we bought all our clothes. The insurance company saves money by using bad information calculated with bad formulas and decision criteria. They call this customer service? I don't think so.

Premium went from 83$/month to 109$/month REASON we no longer insured our boat with them