Intact Insurance Home Insurance Reviews

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."

April 3 2017 we had a water leak. Intact had a contractor at my house the day after to look at damage. Day 3 we had emergency work done. TWO months later and we have had no resolution what so ever. Not one person is in communication with the other. The contractor says one thing the insurance company says the exact opposite. We are still stuck with this insurance company. Customer service has been awful and are not helpful at all. This company passes the buck from one to another. I feel this will be an all summer fight for what we pay for. Avoid at all costs. Go elsewhere for insurance it is not worth the hassle and stress this company puts its paying customers through. They make no extra effort into helping.

Have dealt with my broker for many years. I had house & car insurance with Intact for a few. Rates kept going up and Aug 2016 had a flat roof drain blocked with debris and heavy rain caused a back-up of water with fell into my kitchen ceiling & dining room wall. Intact was quick to open the claim but no-one came for several days. They, through the evaluator, sent the worst contractor possible. The painting had to be done 3 times in a couple areas but the final repair was only a passable quality- not what Intact claims. The job which would normally be 2-3 weeks maximum was done in 11-12 weeks - wow. Now my renewal is up and my house insurance cost was $1362 last year and has skyrocketed to $1822 this year - increase of 34%. The total damage to the house was $9123, but because there was hardwood floor water damage also and there was no room in the house to store the furniture, so I accepted a cheque of over $2200 and the contractor was paid the balance. I did not have the subcontractor re-do the floor & refinish. Thank God I didn't have the incompetent sub complete the floor refinish. Intact hires the cheapest worst contractors to save money for themselves but jacks the renewal price after. Intact never again - do not go with them either for a house or car insurance. They "seem" okay until there is a claim but then - pow

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.

Let's start with the initial contact to start the claim. They answered the call quickly and the home robbery claim was started, so I thought. After a day I phoned back with the police report number when I was told no claim number existed. Claim process started... again. Now the claim has started and their reliable, pre-approved contractor cannot replace the door (destroyed during the robbery) for 6 weeks. Fine, I got my own contractor and had the door replaced in 2 days.
Back to the claim. I was assigned an adjuster from an outside company. She is professional and polite. We both have hit a brick wall with the claim. They just will not update either of us.I don't know where the claim is or when it will be settled.
Update to follow!!!!!

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!