Desjardins Insurance Home Insurance Reviews

There was water damage in my condo. The building is insured by Desjardins. The claim was made in September 2019. Desjardins recommended a company called Langevin Gus for the repairs. The estimation before the pandemic was $10,000. Langevin's project manager is the one who hires the contractors. That project manager is not courteous and he's not pleasant to deal with. Is that why all the contractors he hired ended up missing in action? One, the repairs were cancelled one week before the starting date, supposedly because the floor person was not available anymore. The moving company and the temporary condo were booked and I had to cancel them last minute. Then another contractor came to my place. It looked like he was definitely going to do the work. But I never heard again from him. The project manager told me that he too was unable to reach him. All that time, months were passing by. Desjardins kept telling me things were slow because of the pandemic. I suspected that there was a money issue and sure enough when I asked, Desjardins's agent told me that they didn't want to go one cent over the original estimate which was made in 2019! Everyone knows that construction prices have gone drastically up since then. A month ago, I decided to put pressure on Desjardins; I felt I had been way too patient. All of a sudden, the project manager found a contractor. Yesterday I went to my condo; they ruined my hardwood floor. It was a beautiful cherry wood floor with a lightly tinted sealant to unify the colour and a semi-lustrous varnish. They sanded it so badly that there are now waves in certain parts. Then they put a super matte varnish, without any toner to unify. My floor now looks like a cheap floating floor! Furthermore, they put pale beige putty between some of the planks and it looks horrible. Not surprising since these guys were probably paid peanuts. I called Desjardins's agent, and he wasn't receptive at all. Looks like I am going to have to sue them. I did leave a message with Desjardins's customer service. We'll see how that goes. But do you want to know the worst? Desjardins augmented our insurance by 19.5% last year, and 19.5% this year, and they say it will keep going up for the next four years!!! Had we known, we wouldn't have made that claim. The franchise was $5000 and the estimation was $10,000 for the work, which means that it would have been cheaper for the co-owners to pay from their pockets for the repairs.

Desjardin is a fraudulent company. They do anything to get out of paying for insurance claims. House had pipes burst and they won't pay for damages because they said we weren't home. So even though insurance has been faithfully paid every month, it's only good if we're home if damages occur? How absolutely absurd and fraudulent is that ESPECIALLY since we upgraded our insurance policy.

Looks like Desjardins is used to these reviews now. Look at them all. Honestly don’t use Desjardins for home/auto insurance especially if you’re a landlord and especially if you operate a short-term rental. I filed a claim in early Oct 2021 for water damage from the condo on the floor above my rental. The salesman assured me I was covered for Short Term Rental. I had 3 properties and a vehicle insured with him. What he didn’t say was I’m only covered for bookings that I had to cancel due to flood and repairs which in the STR world isn’t many since the majority of bookings come 3-5 days before check-in. It took him and the claims agent 2 months to tell me all that while my place sat empty and inhabitable. They cost me 2 months of rental income. An insurance company that’s supposed to prevent me from losing money actually made me lose more money by being insured. Let that sink in.

Had little water damage in one section of my basement caused by a "recalled" toilet that came with my new house. It took Desjardins well over a month before anyone came to inspect and 3 months before repairs...and this was a small insurance claim. The adjuster was rude over the phone, she tried to be humorous but was more sarcastic than helpful. Tried to nickel and dime repairs that were imminent caused by this faulty manufactured toilet. Had never filed a house claim in 34 years. Had to contact her Director for fairness. Filed one car insurance claim "for my brand new car" that a neighbour's daughter backed into when she neglected to look when backing out of her laneway - new driver. Desjardins tried to nickel and dime that claim as well. An insurance adjuster was rude, sarcastic, and had a laissez-faire attitude. Some of their bank tellers are unwelcoming at times. Time to drop Desjardins! Stay away.

I live in Gatineau, Quebec. I have insurance for my condo and when I discovered water coming up through the floor one evening, I was alarmed and took steps to deal with the situation. That included calling Desjardins the next day. The agent on the phone did not start a file so when I made a subsequent phone call the next agent was asking me why I didn't call sooner. After much hassle and delay (It has now been one week since my emergency) they have just e-mailed me and said they will not provide any coverage whatsoever to my damaged floors and furniture. Now I have to hire a lawyer to sue for damages. Is this what Desjardins stands for? Not being there when you need them? I suggest anybody considering this insurance company think twice. Also, put money aside for lawyers because you will have to sue for Desjardins to do what they say they do.