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.

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!!!!!!!

After 44 years we had this one claim in 2015. A tree fell and damaged our roof, backwall, deck window. Intact hired Barclays, otherwise, they said – there will be no warranty. They hired someone else to do the work and these people all did a crappy work. We had to check ourselves and saw that it wasn't done right. The guys had to come 3, 4 and even 7 time . Barclays claimed the work is all done and we were to sign off so they can get paid, even when we told them the work was not completed. The gutter guys screwed up – now, after the snow storm, our living room got water from the gutters flowing inside the damaged window damaging walls, floor rug, and the paint inside and outside, The adjuster is saying, the case is closed - they are very rude and not helpful - not like they advertise on TV. 2 years later we are still stuck and the work still has not been done. I say, people stay away from Intact. They want your money but run the other way when its claim time for them to pay. They get the cheapest and crappiest workers to do the work. Abdul & Nancy, Surrey, BC

Hi. I'm one of the Intact insurance victims, as I owned a restaurant that was insured by Intact and my restaurant was a victim to a fire that started in the strip mall and took the whole thing down. The insurance (Intact) went into my place and found that the whole place is water and smoke damaged, yet they still disassembled the place in hope to reuse the damaged equipment and everything else in the place. Anyhow, they claimed that because I used the restaurant for 2 years then it's depreciated and they won't pay me what I spent on the place to open, let alone the income loss that is included in the policy, but who's there to protect us against the insurance that's got the right to ruin your life, I lost my lifetime savings that I put into the business, my credit with all creditors and my family because of the stress I was put in because of this crooked insurance company that I'm still fighting till now ( almost 4 years) and still, nothing came out. They say insurance is there to protect the consumer and they're the consumer's worst enemy. I won't bore you any longer but I don't recommend this company by any means.

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!

Intact hired engineers to determine the extent of water damage to a family home. Their staff adjuster promised to send us copies of the reports then reneged when we didn't do exactly what they wanted. Eventually we got them, and found Intact's engineers made a bunch of bad assumptions to the huge benefit of their client. We pointed the problems out right away, provided them all kinds of evidence that they were wrong, hired another engineering company that did additional testing that proved they were wrong, and got an independent review that confirmed Intact's findings weren't proven....

It's been over two years since the incident and we've gotten practically nothing but deny, delay and defend tactics from Intact despite having already been out of pocket thousands of dollars to prove our claim.

I can't imagine that there could possibly be a worse insurance company than Intact.

Noticed that their overall rating seems to be skewed by multiple short, generic, positive reviews posted very quickly over the first couple months, with almost exclusively detailed, one star reviews in the years since. Something smells fishy to me.

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.