Denied!
by Loneduckling on May 2, 2021
1 out of 5 stars
Home Insurance Reviews
Intact Insurance Home Insurance Reviews
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(153 reviews)
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Agent/rep attitude (6)
Agent/rep availability (6)
Agent/rep callbacks (6)
Agent/rep knowledge (6)
Bikes, Belongings (3)
Billing/payments (21)
Broker experience (1)
Brokers, Insurance Agents (15)
Cancellation experience (6)
Cancellation fee (2)
Claim - adjuster (7)
Claim - contractor work (14)
Claim - denial (9)
Claim - fire (2)
Claim - flood/water (25)
Claim - flooded basement (11)
Claim - roof (5)
Claim payout amount (2)
Claim processing time (8)
Complaints/ombudsman (10)
COVID Handling (1)
Home Insurance Quote (6)
Insurance Rates, Prices (21)
Legal actions (1)
Paper mail experience (1)
Plumbing (5)
Policy changes experience (2)
Policy coverage (40)
Policy Switching, Cancellation (13)
Rates after claim (1)
Rates at renewal (1)
Rates competitiveness (2)
Rates in bundle (1)
Refund (1)
Snow, Hail, Damage (4)
Wind, Hurricane Damage (3)
Review author
I had Intact insurance on my cottage on Lake Huron for decades without ever having a claim. I had coverage that included wind, rain, hail, storm and an additional overland water policy. My cottage was damaged in a storm in November of 2020. I was denied any compensation because according to Intact the waves (that were caused by the wind) caused the water to wash up on shore during that storm (past the 100 year high water mark) and eroded the ground and erosion is not covered in my policy. The irony is they raised my rates for 2021 (the year insurance companies were raking in billions) which will now cost me almost $500 more a year!