Intact Insurance Home Insurance Reviews

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.