Cooperators Home Insurance Reviews

STAY FAR AWAY FROM CO-OPERATORS INSURANCE! We paid our insurance to Co-operators for at least 10 years, they were happy to take our money. When inquired into fixing our deck that was damaged by weather they sent us a notice that our insurance will be cancelled in 15 days. Why are we paying for insurance if a company can give us the boot come claim time? Their reasoning, we phoned twice asking for coverage which means the condition of our premises is a risk. The house is in perfect condition and it's a DECK! How can the number of phone calls we make to them determine the condition of our home?! What we paid them FAR EXCEEDS the cost of replacing a deck. Save yourself the heartache and money....go with another provider!

Please do your homework before signing the contract. Carefully. Buyer beware. Look at all your options prior to purchasing

Dealing with this company has become the absolute worst experience of our lives. They have stonewalled my parents on a home insurance claim for over a year now. And now, the damage to the home has gotten so bad that an engineer, we had to hire, because co-operators refused to do so, has determined the home is too dangerous to live in. And co-operators is even refusing to pay for my 88 and 86 year-old parents to relocate. They are being forced to re-locate without even knowing how long they have to relocate and at great expense, while trying to cope with the fact their insurance company has totally abandoned them, their home is cracking apart, and their health is failing. The lack of empathy or care from cooperators is exponentially unforgivable. Save yourselves from this kind of horrific treatment. Do not purchase any insurance product from this company!

After only 1 year of being with Cooperators, they increased my premium by 15%! Did my home increase in value? No. Did I add features or reduce my deductible? No.

I did lose my 5% "new signing discount" so that leaves 10% less. After calling Cooperators they claim it's because of "all these new features that you're getting." More likely, it's because you brought me in at a low rate and will continue to increase my annual premium by 10%. Could you imagine if public insurance/utilities did this?

first of all i had my home insured as vacant for about a year. I was repetedly harrased by their staff over the phone and email, I was told me that they can cancel my policy because it was a high risk.
Later when i changed my policy and moved in to my place shortly i had major flood. Without any investigation i was told I'm not cover because i didn't have alot of things in my apartment according to the plumbing company that came over.
In conclusion i had to hire a lawer and spend tons of money and repair the place myself. Eventhough i ended up winning in courts it took almost two and half years to get any money back.

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.

My house burned down a year ago. Have a clear cause that is not my fault and has been confirmed by the fire department, an electrician and insurance adjuster. Cannot get the cooperators to answer phone calls or return messages. The fire was a total loss. We could salvage nothing. Haven't received a single penny nor any form of communication. I will never use them again and will urge anyone else to rethink using them as well. If I could give them zero stars for a review I would.

Payment approved but on the desk on a person on sick leave. They have not kept my standard of living but systematically break me down every chance they get. Tragic situation made 100x worse by insurance company... These companies and the people they work for have no compation no morals just evil compay mandates to uphold
SHAME ON THE ENTIRE INDUSRTY!!!!!

T

I had a water damage claim that was not even looked at by adjuster, instead we got a contractor who took a lot of pictures and measured walls, cupboards, floor and even the stairs going to the second floor. The damage was outside on the back wall. The contractors said it wasn't covered which apparently they had decided before they came into our home. My question is why did they come?

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