Intact Insurance Home Insurance Reviews

I had trees come down on my cottage property.....Intact Insurance did everything possible to give me the least amount of $ and made a promise of not charging me the $1000. deductable because I have never had a claim in 30 years. Then refused. Worst experience ever. I quickly changed companies and saved $300.00.

HORRIBLE EXPERIENCE! I got a quote for $120 and they started to take out $250+, once I cancelled they took out another $200 "while it was cancelled". I was told I'd get a refund for the $200 and a refund for the months they over withdrawal, went back and forth for 6 months and got nowhere I had to call my bank and have them get my $200 back, as for the $250? Well, there was no refund I OWED THEM THEY SAID!!! Stay away from Intact and KTX broker, all they did was place blame on each other... No accountability at all!

I pay my home insurance by cheque every 6 months. Normally we drop it at the office before the due date. The Intact agent said due to COVID-19 they are not accepting cheques. We asked about doing an electronic bank transfer. They said no - they don't accept those. How do we pay? They said credit card. Ok - here is my card number. The agent then says there will be an additional fee of $42.79 for a $1440.00 insurance payment for using a credit card! I asked them how can they be doing that - they will not accept any other form of payment at this time and force you to use a credit card and then rip you for additional fees. Company policy they said. That's the way to step up in the time of a national pandemic Intact! Charge more!

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."

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

I had home insurance with them and they cancelled me so fast when it was time to renew.. i was at one of their offices to pay a claim from them on my deceased mother's file and they never told me about my home insurance being due.. so i missed the deadline.. i received a letter in the mail that they were cancelling my insurance and we had a water issue here in Gatineau where my insurer is located and roads had to be blocked off and i couldn't go to pay my insurance on time so i got penalized for that and now received a registered letter saying they have started to cancel my home insurance.. i find that to be poor customer service at it worst.. The insurance companies claim they have your best interest and they screw you over once they have your money.. CROOKS

If I could give Intact a - rating, I would. After the loss of our home, garage and all contents in a wildfire event, Intact opened a claim immediately. If not for the fact that it was a nationally recognized catastrophic event well within the public's, I feel that this would have been a nightmare to deal with as well.
How bad are they? Where do I start?

Our first encounter with an Intact representative was our adjuster. She explained that it was Intact policy that items such as fridge, stove, dishwasher, custom blinds etc, pretty much "what ever you would normally leave in a house when you sold it would be covered under house rebuild. The adjuster gave us a nice glossy phamplet stating as much. After submitting our schedule of loss for our contents, which showed an $80,000 loss on our part, our adjuster told us that due to the fact that "people in our particular region had "upscale appliances, intact would now be submitting our appliances and custom blinds in to our contents coverage which would have resulted in an addition $20,000 loss on our part. This decision was only made by Intact after they were provided our contents list. Apperntly, changing the "rules mid game is alright if you are an insurance firm".

Second major issue arose when I analyzed our policy and noticed that we had been charged for a provision that allowed for a cash settlement. When I inquired about this provision , it was stated that I was not eligible for this provision. I then argued as to why we weee being charged for it then.

Third major issue arose when we provided economic evidence of a specific type of inflation that results only after catastrophic events. Based on the standard provision of "inflation protection", our limits of insurance were subject to charge based on the "inflation rate" at play. After repeated shady responses for Intact representatives, basically, they did not acknowledge our concerns or questions what so ever and just pressed forward with out explaination or cause, I researched and read the intro to insurance law and the first principal of insurance law states, "if any provision in a policy is ambiguous by nature, the definition that is in the best interest of the policy holder is used as the contract/policy is written by the insurance firm and it is their due diligence to explicit in their meanings. This became an issue as rebuilding costs increased over 100% due to the magnitude of the catastrophic event, the already hyperinflated economy in this particular region, the remoteness of the affected region and the fact that the house building industry has been flatlined due to the current economic recession. Intact instead offered 1% inflation as this was "national average" but we were not experiencing "national average" inflation but rather demand surge inflation.

Forth and most aggravating issue we have encountered was after filing our proof of loss and commencing legal proceedings, a year in to this process, after receiving delayed and overdue by sometimes 5-6 months ALE payments the entire time, resulting in immense financial pressure, Intact stated that they would cease all ALE payments from this point onward and withhold any and all other coverages due to the fact that we would be going to court to argue the amounts. Even though this is a clear breach of contract, Intact is well aware of the fact that it will take close to 8-9 months to seek an intermediate court date to get a ruling on the ALE payments that we would most likely never get to as we will have been bankrupted by that time. How this can be considered "negotiating in good faith" is beyond me.

If this is how they treat customers who have lost everything in the world, I can not imagine how they would treat those who sustained smaller losses.

Horrible firm and STAY AWAY!!!!!!!

We had a break in and several items were stolen. What should have been a VERY straight forward claim that could have been completed in less than a week, has turned into a brutal nightmare! The adjustor assigned to our file isn't even located in the same city we live in! Phone calls went unanswered, e-mails were not read and obviously not responded to. I set up a time/day to talk to the adjustor - she was supposed to ring me and didn't so I rang her and she told me that she didn't have time to deal with my claim and that break and enters took months to deal with! I asked for the name of her manager as I wanted another adjustor who did have time to work on my claim. I was told that "they" don't change adjustors...I have filled in a customer satisfaction survey and in the comments I requested a call to talk to someone about my concerns - that was over a month ago and I still haven't received a call. We are being "nickeled and dimed" to death on this claim. The break in occurred 4 and a half months ago and the claim is still outstanding...this company is a joke!

Please don't go with Intact. EVER for anything. We paid them 800.00 monthly and when a claim came up, they most certainly did NOT have our back. When we cancelled, they tried to claim we owe THEM money. What a hoot. Worst company on the planet. If I could give them negative stars I would. Hard to believe any truly reputable broker would use them so beware of who you deal with.

My claim has been ongoing for 4 years. The agents assigned to the claim repeatedly lied and delayed in an attempt to stall the claim. The contractors they hired to do the repairs never completed an estimate and again delayed. When we finally had someone in, they didn't complete the repairs and Intact has left us with an unfinished house and refused to pay a settlement so we could hire our own contractors.
They've literally made my life a living nightmare.