Independent Home Insurance Reviews

Intact Insurance Home Insurance Reviews

(57 reviews)
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Category: Claim Exprerience
(2.1 out of 5 stars)
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House fire claim so far.

 
(1.0 out of 5 stars)
by Johny Sep 05, 2019
...Do not buy insurance with Intact!!! My townhouse was recently destroyed by water and fire due to a unit that was attached to mine started the fire. Most of my belongings were intact but damaged by water from firefighters protecting the spread of this fire. The adjuster I got came out and was very sweet and kind at first when we met her the same day of the fire. The things changed quickly when we met her again to do a walkthrough. Made me buy hard hats, safety glasses, gloves, steel toe boots and face mask with my own money! My wife is pregnant so we had her sister come along. So I had to supply all that stuff myself. Then she accused me of not trusting her because all I wanted to do was walk through my house and take pictures of all my belonging so I can have a photographic memory of what I lose, so I can claim it. That seems like a normal thing any homeowner would do when something like this happens. She just cared about me signing papers to hand over my house to them to destroy and raid. Anyways there a lot more things and that's all I have been through so far. I am still in the process of recovering my things but I'm terrified of what will happen next because these people working on my claim give zero remorse and let you know right away through the things they say, body language and how they act that they just hear to save the company money and that they don't see you as innocent victim that you. Moving my insurance for sure after I'm done dealing with them! Feels like a nightmare!!! Being a victim of a house fire and also knowing that your insurance doesn't have your back while this process still ongoing...
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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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Excellent Service

 
(5.0 out of 5 stars)
by Susan Jul 03, 2019
...In May 2017 a car went through our fence and we tried to go through Autopac which was a nightmare. We were told to go through our home insurance. We had been with Wawanesa Insurance for 15 years never had a claim then we had hail damage and someone came out to check the roof. He said Wawanesa will not cover it. I told him that both neighbors either side had new roofs from their insurance and he said: "well, they probably didn't have Wawanesa because their criteria are high". They did not, they both had Intact Insurance. So I changed immediately. Two years later a car goes through my fence and I contacted my Intact adjuster and he had someone come out and look at the fence, got 3 quotes and gave us the price of the middle quote. They replaced my whole fence 145 feet. They were fast, efficient and professional. I am very surprised at all these negative reviews. But my experience was excellent and I would highly recommend them...
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Very poor insurance company

 
(1.0 out of 5 stars)
by Unhappy Jun 23, 2019
...They totally took advantage of an immigrant family with poor language skills. They would not cover a claim even though the roofer sent a report with pictures. Our broker gave very poor customer service and I rate her terrible. I will be cancelling my own policy with Intact insurance because of this experience. They may cost less for insurance but if they don't pay valid claims it's like you don't have insurance at all...
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Quick to cancel policy

 
(1.0 out of 5 stars)
by Vic B May 03, 2019
...While I would have rated Intact higher on customer service for the people who I actually worked with while processing a claim, their follow-up dismissal of me as a client after only one processed claim and refusal to work with me to maintain my status as their client is ridiculous. As new homeowners, we called our insurance provider, at the time Intact, to ask for advice on our policy after finding water in the basement. After speaking with the Intact personnel, and discovering that the claim was not eligible we did not process one. Due to their system of automatically opening a claim we officially "withdrew the claim" within 1 hour of opening it. We then fixed the water issue out of pocket to avoid future issues. One year later we received a letter that Intact was cancelling our policy for multiple claims within a three year period, even though they acknowledged that we only actually processed one claim. When we tried to work with the company by informing them that we had fixed the issue out of pocket within one month of getting their dismissal letter (and hadn't had time yet to inform them of the upgrade) they still refused to keep us as clients. Due to the dismissal of an insurance company against us, we are now paying for alternative insurance at a higher rate as a penalty. Intact never reached out to us and wouldn't work with us on how to maintain our client status and although we paid much more for their service than we ever received in the one claim, they removed us with very little notice. Would never recommend Intact insurance...
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Are you a condo unit tenant? Remember that neither your condominium corporations' policy nor your landlord's insurance policy protects you as a tenant (3rd part liability, contents, etc.). If you do not have your own insurance policy, get your condominium insurance quote today.
 

leak in condo

 
(1.0 out of 5 stars)
by HO Apr 16, 2019
...We had a leak in the condo more than 4 weeks ago, the insurance showed up once to see and since then nothing happened, they don't even take our calls. This leak is affecting 4 apartments. Now we're on our 5th week still waiting. Worst experience ever...
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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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Claim closed w/out my knowledg

 
(1.0 out of 5 stars)
by Unk Feb 20, 2019
...I am so pissed and frustrated with this company. They freaking closed my claim without my approval, I was shocked. I called them and asked for an explanation but the only explanation they had was that's what it shows on the system. I said I want to talk with a person who is handling my claim. He called me and said: oh, since we didn't hear anything from you we thought you don't want to go through with the claim, therefore we closed the claim at the end of December. I was like, seriously, you guys close my claim during the holiday season, it was only month and a half since I made a claim. He asked for more information, which I emailed him after 2 weeks since I had to find all info he asked me to get, I waited for a week for him to respond but there was no response. I called him directly and left a message yet no call from him. A week later emailed him again, still no response... called again 2 more times but he never answers his phone. I called the claim department and the lady who answered said that in their system the person who is handling my claim asked for more info. I said I have already emailed him like 25 days ago and he has not yet responded me back yet, I wanted to ask him what is happening with my claim. Upon that she said: oh, here it says your claim is closed. I was freaking mad, but I calmly said: listen, I already said this before that I never closed my claim. Then she said she will put my claim on alert and put on the system to reopen the claim. Now I don't know when will I get a call from them, but one thing is for sure I am not going to stay with them...
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What happened to integrity

 
(1.0 out of 5 stars)
by Ripped Dec 10, 2018
...The only ones who benefit from your claims are the insurance companies including Intact. Our insurance will increase 200.00/year for 5 yrs for a vandalism claim. Most insurance executives live like kings...
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Contacting Intack

 
(1.0 out of 5 stars)
by paulr Jul 25, 2018
...I have been trying to get a claim finalized for a flood that happened in October 2017. The claim representative stopped communicating with me in April 2018. Now 9 months later I reported the problems I've been having to the rep's manager who apologized for the long delay and promised to get back to me the next day. That was the last I heard from her. My broker has not been any help. Have you had any success in going up the chain of command? How did you do it?...
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Horrible company to deal with

 
(1.0 out of 5 stars)
by Appalled Customer May 24, 2018
...Never had an insurance claim ever. Determined a water leak at a lower wall behind a dresser. Called Intact insurance, girl who answered was unpleasant, unhelpful and stated that we needed to hire someone at our expense to determine the water leak. Company assigned Todd D as the adjuster. Let me just say that this individual lacks customer service to the extreme. He never visited the house to inspect, he assigned someone he knew Onside restoration just as terrible a company who sent a third party to inspect the house water leak. This was not systematic, I had to continuously call and message to put things in action. Todd D lacked communication from the start (extremely hands-off), never provided a status at each stage, I had to continuously call. He should NOT be an estimator. I not only question the company but their hiring practices as well. Not one person could determine the water leak and with inconclusive data denied the claim which coincidently would have cost me a 1000 dollars for the deductible to begin with. Unfortunately, I was talked into trying Intact insurance, however, I would STRONGLY suggest that you carefully choose another insurance company. Read other reviews, you will notice a common theme. You are better off leaving your house uninsured than to choose Intact insurance. I wish there were negative stars to rate this company...
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Did you know that Ontarians pay, on average, $47/month in homeowners insurance? Looking to change your home insurance or simply want ensure that you do not overpay? Our home insurance quotes are among the most competitive.
 

Home Claim

 
(1.0 out of 5 stars)
by Peter M May 20, 2018
...Terrible. Terrible. Terrible. Stay away from this company. Ongoing home insurance claim and they are giving ZERO support. A battle all the way...
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Want to feel like a criminal?

 
(1.0 out of 5 stars)
by Reuben Apr 30, 2018
...I had a claim a few years back. I had a small house fire that turned into a nightmare. Their adjuster accused me of wanting to stay in a hotel because it had a water slide. He also kept suggesting that I was trying to get more back than I lost. At the time I had a newborn child and a toddler, a fire was stressful enough without the stress that Intact added. They immediately raised my insurance premium to try and recuperate their loss. Needless to say, I've switched providers and cut Intact's premium in half with better coverage...
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They are NOT on your side!

 
(1.0 out of 5 stars)
by Thetruth Apr 22, 2018
...We had a cottage fire. Intact did everything they could to lowball us...delay...not answer emails or calls for months...cause traumatic stress...and engaged in bad faith. We found a lawyer and won. Do NOT speak with them on the phone or at one of their 'meetings'...get EVERYTHING in writing. I would give them 0 stars if I could. Their commercials are complete lies...
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I had water damage at home.

 
(5.0 out of 5 stars)
by Joshp Jan 29, 2018
...Intact helped me alot during my hard time. I had water damage at home and right after my call insurance guys came. They fixed my house and also pay for my accommodation. Its worth to get that insurance...
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Are you a condo unit tenant? Remember that neither your condominium corporations' policy nor your landlord's insurance policy protects you as a tenant (3rd part liability, contents, etc.). If you do not have your own insurance policy, get your condominium insurance quote today.
 

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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Claim Experience

 
(1.0 out of 5 stars)
by Hashik K. Sep 06, 2017
...I had my home insurance with Intact for number of years. Premium was reasonable and didn't have a claim until April 2017. We had a minor leak from the roof following the wind storm and I lodged a claim for the first time. The so called Claim Adjuster who was assigned to us was just terrible and after months of processing the claim, we received a notification that our claim was not covered and hence eligible. Our roof was about 7 years old, made of fiberglass shingles and in good shape. We were told by the one who repaired that it was the wind storm that caused leak through the vent. We are okay with the reason our claim was denied but we were disappointed by the unprofessional manner our claim was handled by Intact. Our policy was due for renewal in August 2017 and we did not accept the renewal offer from Intact although their offer was less than the one we accepted. You cannot do business with a company you don't trust...
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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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There when I needed them

 
(5.0 out of 5 stars)
by DutchDekkers Jul 23, 2017
...Excellent experience. One insures to be insured when you truly need it. I had my first home claim in 37 years, and Intact's Accessor was outstanding, and Intact coverage was prompt and covered all in accordance with my claim. Very positive experience...
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Households in Alberta pay, on average, approximately $60/month in homeowners’ insurance costs. We can help to push these costs even further down. Get a house insurance quote today to start saving today. Rates start at $20/month.