Intact Insurance Home Insurance Reviews

No good service, and being charged double the deductible for something that is not my fault is extremely disappointing. Furthermore, waiting for over three months with no response or updates is unacceptable.

I bought an expensive ($1,431.) one year home owner policy from Intact. I didn't make any claims. After one year, they wanted over $200 more than last year. I renewed with another company. I let the Intact policy expire. I got an invoice from Intact 6 weeks later, telling me to pay "immediately" $253 for failing to inform them that I wasn't renewing with them. (the fact that I didn't pay for the renewal should have made that obvious). There was no warning that they were going to try and extort me. I will probably have to go to war with them. Watch out for this company. I thought that I was getting the best, because they charge so much. I learned that they don't care about people, and I am glad I never had a claim with them. That could have been a nightmare. I am telling you to look elsewhere for your insurance.

I had a water claim damage. I heard from the adjuster right away and from then on I was on my own. I had to do my own contacting with ServiceMaster to get the quote sent for the damage. Then, the adjuster did not get back to me again. I had to threaten that I wanted another adjuster. They did not provide me with one, but made this one call me right back.
It was 2 months before the damage claim was reviewed by Intact. I would call and ask questions, she would not answer calls nor would she any answer messages left. I had to try to get information from the property staff and they couldn't help me. I was left with so many questions unanswered. It was like having no adjuster at all. The claim and all the hassle took from the end of August to mid-January/24 to finally complete and sign off the claim.

I used this company for one of my properties. Long story short, two different incidents happened and Intact refused both claims using a very generic clause: "Gradual degradation of the insured property" which can technically be applied to almost all issues.

Same issue happened on a different property and the other insurance company paid the damages without trying to finding excuses.

You make payments to them every month and they will do all they can to not pay you in case of an accident. Do yourself a favour and choose another company!

I have been multiple homeowner for more than 40 years. An incident or accident never worried me, until I got Intact insurance. I was insured with other companies, if something happened, dealing with insurance was a pleasure.
After paying Intact for 7 years, I had an incident, they went through many routes to try to not to pay, and of course, finally did not pay anything and put me through so much suffering and financial loss.

I am presently going through a claim for water damage which I am responsible for and I live in a condo with another 31 Co owners. Intact is my insurance and they are giving my syndicate a real hard time to pay!!
Makes no sense I’m a valuable client and had never made a claim. I speak with them at intact and they act like they work for the police !!!
Disappointed

The worst insurance in Canada. Full of liars and deceivers sitting in this company. They have worst brokers which help you none. The estimators never let you have any services avail from Intact. Customers have to pay their premiums and also end up fixing their damaged home from their pockets after refusal game from Intact.

Zero communication, the goal is to keep you in the dark. They ask you for one thing then ask for another just to stall you from getting what your entitled to. Read your policy before dealing with these characters. They are not your neighborhood friends they would rather not be helping you. Beware.

The worst Insurance Company so far in Canada. Their home inspectors estimator damaged my house while inspection and refused to fix it later on. They have the worst adjusters to deal with. They never let customers to win and always have excuses to reject your claims. Please do not buy it even though they offer good discounts. At the end of the day you will regret about it. Poor customer service. Poor communication. Bunch of lying. Full of Fraud. Please beware of such scams.

After being with Intact for years the minute you have a claim, a large claim, you become not needed and they get rid of you because of your large claim.
We suffered a devastating fire, to find out after the fact that we were terribly under insured, we were penalized for being under insured with our claim and in the end of closing the claim, they send you a registered letter advising that because of your claim, they no longer want to insure you. You have til end of policy date and then you are on your own. As if that isn’t enough stress, just try and find an insurance company that will take you on with such a recent claim waivering over your head. We’ve gone through several of declines because of “due to your recent claim” come back in 2 years. So terribly sad. We never had a claim prior to this. When these companies get to big for their boots, they don’t give a rats hoot for your business. Will never use them again for anything.