Intact Insurance Home Insurance Reviews

I have had a horrific experience with The Personal. I had a claim and my adjuster was very poor in explaining the process, but mostly guiding the process. I've never experienced such poor customer service. I went nearly a year without any representative providing me with a thorough update on my claim, despite phone calls and emails contacting them. My adjuster was unable to truly assist me. For example, my building had asbestos and she recommended that I take my contaminated belongings to the dump myself. In another instance, she kept calling me at the end of her workday, despite her being in the Atlantic time zone and me being in Mountain time zone so we were never able to connect as I was working and unable to consistently check my phone throughout the day. I asked her to call me in the morning instead so that we could connect better and more efficiently throughout the day. She made me feel guilty for her staying 15 minutes late due to me having a meeting at the end of my work date and being unavailable to take the call sooner despite me asking her to call earlier in the day. After the 13 months that I have been with them, I am cancelling my policy with them. In doing such, they are charging me a cancellation fee as well as increasing my last few months of payments. I do not recommend The Personal to anyone and I will be openly sharing my experience so that others do not have the same experience as me.

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.

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.

We had tenants insurance through Intact. Our basement suite flooded, and Intact was very quick to respond at first. They walked us through every process and packed up our things in a timely matter. HOWEVER, they lost some of our valuables and broke our 55” Samsung smart television upon moving back in. They offered us $500 compensation for the TV which we declined as we just wanted them to replace it. Once we refused to accept the $500, they stopped answering our calls and refused to negotiate. We haven’t heard anything back about our lost and damaged items and every time we try, the person on the other end says “They can’t do anything.” Save yourself the stress and worry and go with an insurance company that actually helps its' customers in times of need.

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

If I could give them zero stars I would. They're absolutely horrible and unprofessional! I have home insurance with them and opened a claim. An adjuster named Kathy K got in touch with me and came over, along with an engineer and a contractor to look at the damage. After that I visit, 4 months go by and I didn't hear anything from them. So I decided to call Kathy and left her a voice message, waited a day or two for a response but she didn't call back. Then I wrote her an email asking to be updated on the status of the claim and again, no reply. A month later I call the general customer service number and was told that the case was assigned to another adjuster. Her name was Laurie M. So I call Laurie and leave a message with her, she calls me back and I ask her about my claim and she basically has no info. She tells me Kathy is no longer working with them and that she has very minimal notes on the claim. She asks me who the contractor was, and I said shouldn't you have that info? She says ya we should but we don't. Like what the...?! This upset me, because it had been 6 months since they opened the claim and it had gotten nowhere! What does it tell you about an insurance company when they have no idea which contractor they're using? When I asked her why she doesn't have this info, she asks me, "weren't you there when they came to look?" I said yes, she says, "well you should have their info," I said WHAT? This infuriated me! I said YOU'RE supposed to have all this info, not me! The only info I have is the adjuster's name and the claim number. She tells me "well we might have to start over on this claim again," I said no, that is unacceptable! 6 months have gone by and now you're telling me we have to start over again? What a joke of a company! She tells me she'll try her best, and I said what does that mean? She literally said nothing! I was appalled! Like who hired this person?! I ask about her superior's info and she only gives me the name, not the contact info. When I ask for the boss's email or phone she tells me to call the 1-800. I said can you just give me her phone number, I don't wanna call the general number and be put on hold and she flat out refused! She talked to me in a very rude and condescending tone, as if all this was my fault! And to top it all of, she hung up on me. Safe to say, I won't be renewing my policy with them, and I would suggest others not to do so as well! This company is both dysfunctional and incompetent

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!

I had what I thought would be a relatively easy claim to have settled in a reasonable amount of time. Our home was broken into in July 2014. I submitted pictures of the stolen items, serial numbers, and boxes/receipts. I didn't claim anything that I didn't have proof of.

This was a year ago and the most recent response to my emails was "you need to give us time to look at the documents you have submitted "

This is the response after 3 months of just not answering my emails. Like a year isn't enough time to settle a break and enter claim.

I'm very disappointed with Intact Insurance. Beware.

INTACT commercials - your claims process starts when they get your phone call - but that does not mean they will help you or pay people. It just means they type it in the computer. Then you deal with the adjuster which is trying an experience from HELL! I had the absolute worst experience with this company and my neighbour across the street did too! Our basement flooded due to a water main break. We had top of the line coverage. Adjuster got mad at me and smashed my front door! Put a claim in for that and finally got paid one year later. Adjuster told me he did not like me, and promised to give me a hard time. He sent threatening letters that they were considering denying my claim. He offered me 1/7 the actual cost to repair the damage 2 months of the flood. I had already spent double hiring myown contractors to start repairs, not wanting to wait for the insurance company to take action. I had tenants.The fighting over coverage went on for nearly 6 months and finally I got a cheque for double what he first offered. I said this is not enough to cover all the invoices I submitted and complained to Intact Ombudsman. They did nothing. Then I reported unfair insurance practices, bad faith, to FSCO = Financial Services Commission of Ontario. This forced the matter into ARBITRATION! I recommend this to anyone not satisfied with money the insurance company is trying to get you to accept. Take the money they offer but do NOT sign a final release. Tell them you disagree with their calculation of your loss total. At arbitration, I got to present all the invoices for the actual repairs of the damage (not the adjuster's guesstimate) + lost rent. The whole process took about 9 months, but I finally got nearly everthing I asked for. INTACT gave my neighbour across the street a hard time. After his semi detached home was involved in a fire, it took twice as long for Intact to repair his house compared to the equally affected neighbour nest door. Fire was in January and the neighbour with CAA insurance was back in his house by August. The other neighbour with Intact is still waiting for drywall work to be completed. Estimated re-occupation could be 1 1/2 - 2 years because the approval during the claims process goes at a snails pace at Intact. INTACT SUCKS! Maybe their rate could be cheaper, but the attempts to deny coverage and delays in the claims process do not make it worth the savings! Go for a insurance company with a good reputation for claims processing - even if they charge more. I don't know how some insurance adjusters can look themselves in the mirror each morning after doing such horrible things to claimants - I know they get a bonus for paying out less. It's dirty money. I don't want to profit from other people's misery! SHAME on YOU INTACT Insurance Adjuster!

Very very unpleasant experience with a real b from Quebec who wasn't even trained to listen (and not interrupt), let alone try to THINK and come up with an efficient, effective way to proceed to get an estimate for my elderly mother's home insurance.
Other companies (with exception of Bellair, whose front line reps seem unfortunately about in the same league as Intact's) were very helpful and suggested ways for my mother to give them her approval for me to talk with them, but not this company.

Wonder what they'll do once the Baby Boom generation all start asking their kids for similar help.

Save yourself some frustration and go elsewhere. The only reason I'm giving a 1-star rating is because it's the lowest the site allows.