Independent Home Insurance Reviews

Intact Insurance Home Insurance Reviews

(8 reviews)
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Category: Flooded Basement
(2.1 out of 5 stars)
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Water damage claim.

 
(5.0 out of 5 stars)
by Shammy Jan 20, 2020
...I had a sink water supply line burst on October 5th, 2019. Despite being home at the time and catching it fairly quickly, the water ran down through the main floor below and then into the basement. After dealing with the emergency, walls were opened up and dried for about a week. We continued living in our home (family of 4) with only 1 working bathroom until Dec 1st when we moved out to a local hotel for 7 weeks. I had a local restoration company deal with the emergency and demo and then I took the "payout" option to hire my own contractors to put everything back together. I was very happy with Intact and my claims representative was fantastic. I recommend patience initially as it takes time for everything to get sorted out. Once things got going, it went very smoothly. I also recommend paying a bit extra in your policy to have "Claims Advantage" which protects your first claim from increases. Glad we had that...
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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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