Independent Home Insurance Reviews

Intact Insurance Home Insurance Reviews

(19 reviews)
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Category: Billing, Payments
(2.1 out of 5 stars)
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2 Claims, 0 Problems

 
(5.0 out of 5 stars)
by Rock Star Gar Aug 05, 2019
...I have had two claims with Intact. First was when my car was broken into and all of my music gear was stolen. The cost was substantial with a $3200 guitar, $2200 amplifier, $1000 microphone and a lot more for accessories. My auto insurance (comprehensive) had to take care of the smashed rear window, but minus the deductible, Intact cut a check for the rest, asking only for quotes for replacement. For most, I was able to provide receipts and those values were covered. For my guitar, I showed online prices in Canada from music shops and that was covered as well, all with the amount for sales tax and GST. The adjuster was polite, stayed in contact and the whole process was over with very quickly. The 2nd was a water damage claim. When replacing my carpets, I was installing new carpet rack strips where the old ones were but had to put the nails in the concrete sun-floor about an inch from the holes left by the old ones. On the LAST strip, the nail hit a water line, sending a stream of water up like a fountain. In my condo, the water shut off valve was hard to get to, with my hand too big to reach between the wall stud and another pipe between the opening and the valve. By the time I forced my hand through by dislocating three fingers at the top knuckle, my hall was under inches of water and the two suites below me were just disaster areas. I have done everything from building condos from the foundation up to roofing, flooring/tiling, carpentry, drywall, electrical and owner's side plumbing. What I found when the subflooring was chipped away to repair the water line was that it was left free-floating when the sun floor was poured and was only less than a 1/4 of an inch under the floor. The nails for carpet tack strips are 5/16" long, with just the tip puncturing the line. How the original installers never hit the line is beyond me, but at that exact spot, it crossed the line where the strips are and was raised just enough in that spot to create that flukey situation. I described this scenario because Intact could have been total assholes, looking for negligence to skirt their involvement. Instead, they went to bat for me. They sent crews and an adjuster immediately, said they would cover the costs of food, hotel, pay me for any work I did, cut me a $1000 check for the condo's $10k deductible I had to pay a thousand of, reimbursed me for the ruined carpet and underlay I just installed and compensated me and my son for each hour we had to move things around and get the house back to normal. They even calculated an amount for my inconvenience that covered my $1000 deductible. All funds were paid quickly and they kept my file open until everything was settled just in case there were any further out of pocket costs. The crews and plumber were paid directly as well. So, in both experiences, I have very little to complain about. One minor disagreement on value, but a far cry from getting ripped off by them. Remember, out of millions of consumers, only a few with bad experiences are usually motivated to post their experiences, usually out of spite. If everyone with good experiences posted, the few with complaints would be lost in the shuffle. My previous insurance company was terrible and their lack of value to me led to the switch to Intact, where I have been very pleased by their rates (in comparison of course), customer service and their follow-through during both claims. My second claim adjuster was brand new to the business and offering her a little patience didn't hurt while she consulted her way through the job and in the end, she did fantastically. The first was just pro all the way through...
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Will never make a claim again

 
(1.0 out of 5 stars)
by JBD Feb 28, 2019
...We had a pipe burst in our bathroom and called Intact immediately. This was on a Saturday. They said they would send an emergency team that evening to assess damage and help with cleanup. No one came Saturday, Sunday, or Monday. On Tuesday a contractor finally showed up to take measurements and then no one came back until Thursday. They still didn't start work for several days and even then, only put on some heaters and took down half of the drywall and floor (leaving me to do the rest). When Intact got back to me about the contractor's estimate, they basically gave me the option of paying $2000 out of pocket to have the room put back by the contractor, or I could take a $2200 cheque to do the job myself. This was based on an estimate of over $9000 for the work. I went over and over with the adjuster that I shouldn't have to be out of pocket to simply put my bathroom back to how it was, but I received no help and terse answers to every question I had. No flexibility was shown, nor any sort of empathy or concern. When I said that no one could redo an entire bathroom (including buying a new shower and vanity, and all drywall, insulation, flooring etc.) I was told, "You're right, but you still have to pay"...
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Hope you never have a claim

 
(1.0 out of 5 stars)
by caredss Jan 12, 2018
...I have had two dealings with the claims department, first was our whole neighbourhood was flooded, all my neighbours got paid by their insurance but Intact denied my claim. I went to change insurance companies but was denied because I had a recent claim. Even though I did not receive a payout. 7 months ago I had a break in while on holidays. Did my due diligence and made the police report, the list of loss, got all the prices, then they made me do it a second time and have it notarized. In 7 month I have talked to the adjuster twice, she fails to return phone calls or emails. Called and asked for her supervision, left a message for him to no avail. He never returned my call. Sent an email that I was going to make a formal complaint if I did not get a response, a month later still nothing. Called the complaints officer and was told I could not make a formal complaint until I tried to deal with her manager, proved I did that already and then the story changed so I couldn't make a formal complaint until they did an investigation. I have now had to hire a lawyer and still can't get anywhere with these crooks. The law states you have to have insurance but it appears the insurance company doesn't have to follow the laws or pay you for your losses. I have gone as far as sending them a copy of the insurance laws and highlighted the multiple ones they are breaking or bending, they do not care.They hope you will run out of money to fight them and just go away...
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Tenant insurance

 
(2.0 out of 5 stars)
by JoshP Aug 14, 2017
...No slight on the customer service side as they were great. However, when i purchased tenant insurance for 40$ a month throughout this past year and had a few tools and a bike stolen from the garage, I was informed there would be a $500 deductible due on $630. It's a good idea if you are prone to starting fires or live in a flood plain, but don't expect it to cover your run of the day item theft. If the deductible had been discussed at the time of purchasing the policy I never would have went for it...
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