Cooperators Home Insurance Reviews

My father's roof started leaking the day after Mom passed away. Cooperators sent 4 guys out to look at it a few days later. He got a call from a lady saying the damage to the roof was covered. Four weeks after, with no calls and no answered calls he paid someone to do his roof because he didn't want further damage done. Finally got hold of someone who told him that now they would have to send out "real roofers" to see if the roof would be covered under insurance. So the 4 guys who were there taking pictures and were going to be the ones doing the roof are not real roofers?! This has been a nightmare for him. He probably won't hear from them again until he gets a lawyer. Stay away from this company!!! Your insurance policy isn't worth the paper it's written on!!!

We have house insurance with Cooperators. We had very bad weather one day. Wind and rain in Windsor, ON. We woke up to our main floor family room with the floor flooded. We had never experienced this. We purchased the house 6 years ago. It ended up being a leak in the roof. We had no visible way of knowing this until the floor flooded and we exposed the wall. We made the claim and it was denied because of a seeping water clause. You pay so much money every month on time. You get insurance thinking they have our back. There always seems that they can deny you with the fine print. It's very upsetting. Why do you have insurance I wonder sometimes.

After a fierce windstorm damaged our roof in St. John's, it took three site visits and three reports for Cooperator's "preferred company" to do their job, they had to keep returning because their reports fell short, missing photos and measurements. Cooperators took underlay out of one of the many reports and told me it was not covered. I checked my policy, called the City and told them it was. Finally, I got a respectable roofer to do a quote and assessment.After 18 days of calls and e-mails, the adjuster sent me a nine-page report with six pictures of our house from many angles and measurement diagrams, then announced that the area of our roof was much smaller than that quoted by the roofer. It also was much smaller than that quoted by their preferred company. Turns out on page 9 of the report that the drone measurements are just the area, but substantial allowances of extra shingles should be made for risers, wastage, caps, valleys and so forth to actually do the job. I escalated to a claims manager and got the whole thing settled the same day. All this over a $5,000 roofing job.

Being a disabled mute really don't know where to turn my insurer paid for hail damage to the sliding , gutters and down pouts that the hail hammered. I had two hail damage Haag certified inspectors say there is hail damage to roof but yet the guy refusing my claim is only a 5 min drive away, less than 3 miles, who has never even came to inspect my roof is refusing my claim. I feel as i'm being victimized by Co-operators insurance, i got another Haag certified hail inspector coming by tomorrow. As of yet my insurer have refused to meet with any of the hail damage certified contractors I really do believe this Mr Unger character should meet with Jon S. since its only a 5 min drive. Mr Unger appears to be playing God just for the sake of making my life hell and forcing me to shell out nearly 10 thousand dollars out of pocket for damages that 2 inspectors that are hail damage certified have clearly stated. My contractor has offered to meet with Mr Unger, the other one rather not get involved since he worked closely with Co-operators in the past. However I got another coming tomorrow as I stated Mr Unger has not even viewed. I met him afternoon and he appears to think he can pick and chose what qualifies for repair. May I also note I have been a Co-operators insurance customer for nearly 40 years and that several homes on my street have had their roofs covered by insurance ... We will see if Mr Unger agrees to meet with my contractor which, I think, is within reason.. Perhaps, a news story about how the disabled are victimized over and over by the insurance industry is long overdue... I will keep you all updated of this process.. You would think the honorable time for Co-operators would be to at least have their adjuster meet with my contractor on site would you think so.. but, no, he rather sit 3 miles and denied my claim rather than take time to travel the whole 5 mins to inspect the damage his self with my contractor... Regards, William Berry