Intact Insurance Home Insurance Reviews

Horrible, horrible company! I was a faithful customer for over 25 years and never even made one claim (not even during the dreaded ice storm). Had to cancel my insurance because I was moving to another province. Intact continued my policy regardless and is now charging me for 3 more months, even though I did not live there. Have tried over and over to explain this to their broker, but it fell on deaf ears and they have now put the case into collections, without addressing my correspondence. I have no choice except to pay for a service I did not want. Their commercial about caring about people is laughable, to say the least. Find a better company that treats their clients properly.

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

I had my home insurance with Intact for number of years. Premium was reasonable and didn't have a claim until April 2017. We had a minor leak from the roof following the wind storm and I lodged a claim for the first time. The so called Claim Adjuster who was assigned to us was just terrible and after months of processing the claim, we received a notification that our claim was not covered and hence eligible. Our roof was about 7 years old, made of fiberglass shingles and in good shape. We were told by the one who repaired that it was the wind storm that caused leak through the vent. We are okay with the reason our claim was denied but we were disappointed by the unprofessional manner our claim was handled by Intact.
Our policy was due for renewal in August 2017 and we did not accept the renewal offer from Intact although their offer was less than the one we accepted. You cannot do business with a company you don't trust.

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.

Don't bother making a complaint. They don't care. Intact insurance is only available through brokers and when the broker isn't available or doesn't call back when you need them... Intact doesn't care! You can complain until you are spitless. In Québec you have access to a level 1 customer support person who will just take notes and call back...guess who??? Your broker! Perhaps in Ontario where you have access to an Ombudsman when level one is not satisfactory... it might be better. In Québec service is pathetic. I can't even imagine if I was making a claim...I was just trying to give them more business and they don't seem to care whether they get it or not. What a waste of my time!

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.

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!!!!!!!

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