Intact Insurance Home Insurance Reviews

My mother and my in-laws both had the very unfortunate experience of having Intact insurance covering their homes, when they were flooded last summer.

Insurance is supposed to be for peace of mind, in case something goes wrong. Both my mother and my in-laws never missed any payments, and have been paying insurance for decades and decades with no claims. Then they experienced severe flooding this past summer. That's when the horrible problems began.

We all understood that there were probably thousands of homes flooded so everyone was trying to be very sympathetic. Nonetheless, BOTH sets of my relatives are STILL waiting for completion of the repairs (April '14) and the flooding happened 9 months ago (July).

Work didn't even begin until after Christmas. Work crews appear for a day or two and then disappear. The work is shoddy. The products (like the replacement carpeting) is very inferior. The assessments of the damage were unbelievably ridiculous. At my mother's house, I was walking around in water above my knees in her fully finished basement. Walls, doors, washing machine, dryer, gas fireplace insert, wash basin, shelving, the furnace - all was destroyed or damaged. Can you believe that the estimate for all repairs (including supplies) was $5,000. How ridiculous is that?? Then to keep within this absurd budget, corners are being cut left and right. The work crew keeps trying to foist left over materials onto my mom. Most recently, she found out that the replacement knobs on the doors had been allocated an amount of $1 (no this is NOT a typo). I don't have a clue where you get a replacement knob for $1 unless you are getting knobs from a demolition of another house. My mother's original knobs were fancy, relatively new and certainly were at least $30 to $40 to replace (conservatively). With my in-laws, though the bathroom in the basement was destroyed (the actual floor beneath the bathroom actually completely warped) the insurance company refused to repair the bathroom and told my in-laws they must pay extra. My in-laws (far too nice folks) agreed and despite that, the crew didn't let them select their own tiles. They just showed up with some tiles (seriously) and my kindly relatives let them install the times. (You'd better believe they wouldn't have gotten away with that with me.) My mother's crew tried the same thing - showing up with paint in a colour she hadn't chosen.

It is really unbelievable.

Because all of the neighbours are equally fed up, all these folks are just agreeing to anything in sheer desperation to finally wrap this trauma up, and to get their homes back and the crews out of their lives.

In the meantime, Intact Insurance posted a $100 million dollar profit in the last quarter of last year. They sure aren't suffering. They are making that profit on the backs of seniors like my in-laws (who are in their 90's for goodness sake) and my mother who is simultaneously fighting cancer while she tries to get her home back.

I have never seen anything so shameful and you'd better believe I shall never, ever insure with Intact after witnessing what my family has gone through.

Find someone else folks. Intact is really happy to take your money, but when the unthinkable happens, you'll be facing a terrible battle to get a fair settlement out of this insurance company.

I would have given hem a 0.5 star rating, but the Claim Exerience doesn't have a 0 star.

I have been with them 20+ years - never made a claim before. Tenant above my condo left window open, froze water pipes which burst and 1000+ liters of water entered my condo. My large furniture got hit and Intact said they would replace it.

Event though it's not my fault, Intact says that I have to pay $500 deductible because tenant had no insurance / fled the province so Intact can't find them (or so they say) and the owner of the condo above me is an intact customer - they don't sue themselves.

Have been waiting for 2 weeks now on an estimate for replacement cost of one couch, one cloth chair and bed. Gave them brand info and what I paid for them before as I have replacement cost insurance. All I get is a run around so they don't have to pay out. Not one expense has been paid as of yet and I am in a hotel on my dime - with mounting credit card bills coming due soon.

Had made a small claim with Co-Op and Wawanesa insurance 20+ years ago, which were dealt with immediately and quickly. Once this ordeal is over, will never deal with Intact again - regardless of the premiums I have to pay - Intact is cheap - but you get what you pay for and they have ZERO Service when you need them.

I was insured with INTACT for 12 years in a home in a high end neighbourhood. During this time we did not have a single claim. We recently decided to put the house up for sale and moved into our new home. Because the house was vacant they decided to cancel the insurance. We confirmed them the water was turned off and the house was being checked on on a weekly basis. Didn't matter to them...

Anyhow enough said. Thank you Intact for 12 years of insurance but next time I am going elsewhere. Not used of being treated like that as a good customer.

Do yourself a favor and don't use Intact. They don't care about you indeed.

My home insurance rate with Intact went up 36% in the past year and the deductible was arbitrarily increased from $500 to $1000 with no explanation. I've been a customer for 12 years with no claims. CAA quoted me a rate that is almost 50% less for identical insurance and with the lower $500 deductible.

If you have a devastating fire with them, count on No sleep, no help, low ball offers. They count on wearing u down to except anything, our historic home had little value to them they offer a minimum offer no builder will touch. We wanted to General the job and they are trying to drag that out and oh ya the housing and storage for us will be haunlted soon , putting us again in another financial lost to find a place to stay and store our belonging. If you live in Alberta count on this treatment , we tell everyone our story and our treatment. Please before you give them a cheque, think about my situation and if your family is worth it! Go elsewhere

Not covering home after high river flood

If your in a disaster they will abandon you

If you are insuring your home with Intact, beware that there is the reason why they are the cheapest insurance around. They will be as cheap when they have to pay for your repairs as well. After hail demage on our house they would only replace parts of eavesdrops that have damage on them tying them upwith old ones so colour diference is clearly visible, instead doing all around house. Also for that took them 6 months to do. Save your self a haedaches and aggravation, pay few dollars a month more and have a proper company insure you, I most certanly will after this hard learned lesson. I only give them one star on rating because there is no zero available

Rude staff from Brokerlink, owned by Intact...NEVER AGAIN! I called to speak to my broker, who happened to be on lunch, another agreed to answer my questions. He was rude and arrogant... NEVER again... I switched insurance!

Took out tenants insurance for an Assisted Living facility. No claims were made on this policy. When the insurance was no longer required we contacted Intact in writing twice to cancel. They neglected to tell us that we needed to sign a form that they never provided and instead kept charging a 92 year old man. We requested their form and have never received it. Never again will we use a company that takes advantage of the elderly.

Do not go with Intact home insurance. Prices are insane and go up by alot every year! When you cancel them they charge you alot and even before your payment date! My usual payment date is on every 5th but are taking my last payment in double on the 23rd so twice this month! Go with Beneva!!!