Intact Insurance Home Insurance Reviews

I have had a horrific experience with The Personal. I had a claim and my adjuster was very poor in explaining the process, but mostly guiding the process. I've never experienced such poor customer service. I went nearly a year without any representative providing me with a thorough update on my claim, despite phone calls and emails contacting them. My adjuster was unable to truly assist me. For example, my building had asbestos and she recommended that I take my contaminated belongings to the dump myself. In another instance, she kept calling me at the end of her workday, despite her being in the Atlantic time zone and me being in Mountain time zone so we were never able to connect as I was working and unable to consistently check my phone throughout the day. I asked her to call me in the morning instead so that we could connect better and more efficiently throughout the day. She made me feel guilty for her staying 15 minutes late due to me having a meeting at the end of my work date and being unavailable to take the call sooner despite me asking her to call earlier in the day. After the 13 months that I have been with them, I am cancelling my policy with them. In doing such, they are charging me a cancellation fee as well as increasing my last few months of payments. I do not recommend The Personal to anyone and I will be openly sharing my experience so that others do not have the same experience as me.

Do not buy insurance with Intact!!! My townhouse was recently destroyed by water and fire due to a unit that was attached to mine started the fire. Most of my belongings were intact but damaged by water from firefighters protecting the spread of this fire. The adjuster I got came out and was very sweet and kind at first when we met her the same day of the fire. The things changed quickly when we met her again to do a walkthrough. Made me buy hard hats, safety glasses, gloves, steel toe boots and face mask with my own money! My wife is pregnant so we had her sister come along. So I had to supply all that stuff myself. Then she accused me of not trusting her because all I wanted to do was walk through my house and take pictures of all my belonging so I can have a photographic memory of what I lose, so I can claim it. That seems like a normal thing any homeowner would do when something like this happens. She just cared about me signing papers to hand over my house to them to destroy and raid. Anyways there a lot more things and that's all I have been through so far. I am still in the process of recovering my things but I'm terrified of what will happen next because these people working on my claim give zero remorse and let you know right away through the things they say, body language and how they act that they just hear to save the company money and that they don't see you as innocent victim that you. Moving my insurance for sure after I'm done dealing with them! Feels like a nightmare!!! Being a victim of a house fire and also knowing that your insurance doesn't have your back while this process still ongoing!

They totally took advantage of an immigrant family with poor language skills. They would not cover a claim even though the roofer sent a report with pictures. Our broker gave very poor customer service and I rate her terrible. I will be cancelling my own policy with Intact insurance because of this experience. They may cost less for insurance but if they don't pay valid claims it's like you don't have insurance at all.

While I would have rated Intact higher on customer service for the people who I actually worked with while processing a claim, their follow-up dismissal of me as a client after only one processed claim and refusal to work with me to maintain my status as their client is ridiculous. As new homeowners, we called our insurance provider, at the time Intact, to ask for advice on our policy after finding water in the basement. After speaking with the Intact personnel, and discovering that the claim was not eligible we did not process one. Due to their system of automatically opening a claim we officially "withdrew the claim" within 1 hour of opening it. We then fixed the water issue out of pocket to avoid future issues. One year later we received a letter that Intact was cancelling our policy for multiple claims within a three year period, even though they acknowledged that we only actually processed one claim. When we tried to work with the company by informing them that we had fixed the issue out of pocket within one month of getting their dismissal letter (and hadn't had time yet to inform them of the upgrade) they still refused to keep us as clients. Due to the dismissal of an insurance company against us, we are now paying for alternative insurance at a higher rate as a penalty. Intact never reached out to us and wouldn't work with us on how to maintain our client status and although we paid much more for their service than we ever received in the one claim, they removed us with very little notice. Would never recommend Intact insurance.

We had a leak in the condo more than 4 weeks ago, the insurance showed up once to see and since then nothing happened, they don't even take our calls. This leak is affecting 4 apartments. Now we're on our 5th week still waiting. Worst experience ever.

We had a pipe burst in our bathroom and called Intact immediately. This was on a Saturday. They said they would send an emergency team that evening to assess damage and help with cleanup. No one came Saturday, Sunday, or Monday. On Tuesday a contractor finally showed up to take measurements and then no one came back until Thursday. They still didn't start work for several days and even then, only put on some heaters and took down half of the drywall and floor (leaving me to do the rest). When Intact got back to me about the contractor's estimate, they basically gave me the option of paying $2000 out of pocket to have the room put back by the contractor, or I could take a $2200 cheque to do the job myself. This was based on an estimate of over $9000 for the work. I went over and over with the adjuster that I shouldn't have to be out of pocket to simply put my bathroom back to how it was, but I received no help and terse answers to every question I had. No flexibility was shown, nor any sort of empathy or concern. When I said that no one could redo an entire bathroom (including buying a new shower and vanity, and all drywall, insulation, flooring etc.) I was told, "You're right, but you still have to pay."

I am so pissed and frustrated with this company. They freaking closed my claim without my approval, I was shocked. I called them and asked for an explanation but the only explanation they had was that's what it shows on the system. I said I want to talk with a person who is handling my claim. He called me and said: oh, since we didn't hear anything from you we thought you don't want to go through with the claim, therefore we closed the claim at the end of December. I was like, seriously, you guys close my claim during the holiday season, it was only month and a half since I made a claim. He asked for more information, which I emailed him after 2 weeks since I had to find all info he asked me to get, I waited for a week for him to respond but there was no response. I called him directly and left a message yet no call from him. A week later emailed him again, still no response... called again 2 more times but he never answers his phone. I called the claim department and the lady who answered said that in their system the person who is handling my claim asked for more info. I said I have already emailed him like 25 days ago and he has not yet responded me back yet, I wanted to ask him what is happening with my claim. Upon that she said: oh, here it says your claim is closed. I was freaking mad, but I calmly said: listen, I already said this before that I never closed my claim. Then she said she will put my claim on alert and put on the system to reopen the claim. Now I don't know when will I get a call from them, but one thing is for sure I am not going to stay with them.

The only ones who benefit from your claims are the insurance companies including Intact. Our insurance will increase 200.00/year for 5 yrs for a vandalism claim. Most insurance executives live like kings.

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?

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.