Intact Insurance Home Insurance Reviews

I have been trying to get a claim finalized for a flood that happened in October 2017. The claim representative stopped communicating with me in April 2018. Now 9 months later I reported the problems I've been having to the rep's manager who apologized for the long delay and promised to get back to me the next day. That was the last I heard from her. My broker has not been any help. Have you had any success in going up the chain of command? How did you do it?

Horrible experience. Had major flood on main floor, insurer was Intact/Belairdirect. Got Platinum Pro-Claim Restoration as part of their Rely Network® to do the work. Clean up crew was great and did a good job drying up and removing damaged materials. Reconstruction crew was horrible. Did not put insulation on exterior walls back properly (basic building code requirement). Did not seal vapor barrier on exterior walls (basic building code requirement). Drywalled over open furnace air returns. Tile installer installed and grouted tiles on same day causing uneven tiles (basic knowledge you need to let tiles set first before grouting). Tiler used my lumber on side of my house for cutting on and then hid it by, put it onto my neighbour’s property. Tiler emptied unused mortar and grout into boxes and left it on my wood floors to get wet. Clean up crew decided to use our laundry dryer to dry their shirt (Wife found the shirt the next day in dryer). Clean up crew did not do a good job cleaning, did not clean interior of reinstalled storage cabinetry, floor properly, and did not remove all flooring protection. Wallpaper order, gave Proclaim our selection for wallpaper soon after flood and found out that they waited a month before ordering from supplier causing at least a 2-week delay in completing our powder room. Having a child potty training is not fun without a powder room. Wallpaper installer did not protect the floor, spent one hour scraping floor as I would not allow their cleaners back in my house after finding the shirt. The list goes on and on…have pictures and emails detailing everything. The painters were great, good job and cleaned up after themselves. Everything was finally done and did receive some compensation for my time but nothing can compensate for the lack of management and poor workmanship.

Never had an insurance claim ever. Determined a water leak at a lower wall behind a dresser. Called Intact insurance, girl who answered was unpleasant, unhelpful and stated that we needed to hire someone at our expense to determine the water leak. Company assigned Todd D as the adjuster. Let me just say that this individual lacks customer service to the extreme. He never visited the house to inspect, he assigned someone he knew Onside restoration just as terrible a company who sent a third party to inspect the house water leak. This was not systematic, I had to continuously call and message to put things in action. Todd D lacked communication from the start (extremely hands-off), never provided a status at each stage, I had to continuously call. He should NOT be an estimator. I not only question the company but their hiring practices as well. Not one person could determine the water leak and with inconclusive data denied the claim which coincidently would have cost me a 1000 dollars for the deductible to begin with. Unfortunately, I was talked into trying Intact insurance, however, I would STRONGLY suggest that you carefully choose another insurance company. Read other reviews, you will notice a common theme. You are better off leaving your house uninsured than to choose Intact insurance. I wish there were negative stars to rate this company.

Terrible. Terrible. Terrible. Stay away from this company. Ongoing home insurance claim and they are giving ZERO support. A battle all the way.

I had a claim a few years back. I had a small house fire that turned into a nightmare. Their adjuster accused me of wanting to stay in a hotel because it had a water slide. He also kept suggesting that I was trying to get more back than I lost. At the time I had a newborn child and a toddler, a fire was stressful enough without the stress that Intact added. They immediately raised my insurance premium to try and recuperate their loss. Needless to say, I've switched providers and cut Intact's premium in half with better coverage.

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.

If your place suffered a great deal of damage, get a lawyer to deal with these guys. I had to tell the contractors and/or their helpers that Intact had hired what needed to be done and how to do it, otherwise, nothing would have been done. I am not an expert on major house repairs, I should not have been in charge of the workers. Nightmare for months.

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.