Meloche Monnex (TD Insurance) Home Insurance Reviews

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We seem to have had a very different experience than most of the people writing reviews here! We recently had a water leak in our house that did some substantial damage to the walls and hardwood floor on the main level and to the walls, ceiling, and carpet in the basement rec room. TD sent a guy over within 24 hours to assess the damage. From the moment he arrived, Brian's message was not to worry and that they'd take care of us. A remediation team was sent in shortly after to do the immediate clean up. Right behind them was another team to do repair estimates. Our claims adjuster was Stacey and she called regularly to check on us to be sure we were being taken care of. Within a week we had an approved claim and had only to decide whether we would have their contractors do the work or hire our own. I was amazed at the service! Particularly since we'd only signed on with them a month before, a decision prompted by the fact that they were able to provide more than a $1000 discount on the home and auto bundle. I am so glad we made the switch. They could not have treated us better.
In 2005 I put in place coverage for my rental property in Fort McMurray which included Additional Living Expenses. In July following the evacuation due to the wildfires I submitted a claim for loss of rental income; which was denied as ALE wasn't in place. Sometime in 2014 an employee of TD Insurnace changed my policy without my knowledge or consent and dropped ALE coverage. I am in the process of appealing this; but am not too hopeful for a successful resolution.
In regards to the Alberta wild fire of 2016 I had made a call to open a claim as we were being evacuated. During evacuation, monies were granted to myself and family for living expenses without any word of property damage, we were told to contact them in the coming weeks if more money would be required. As the month long evacuation progressed we did contact Monnex and was granted additional living expenses.
Upon return to our dwelling our adjusters' name and contact information was provided. We worked directly with the adjuster at this time and had a very pleasant experience.
When all was said and done (we are about 99% complete to date), TD Monnex Meloche has the reputation in our community of being the insurer to work with.
Their agents, adjuster, format for expenses, communications, and timeliness of claim closure made the entire experience a lot less stressful to deal with.
In summary, I will renew with TD and I know of many people who are now going to switch to TD Monnex Meloche.
Thank you to all who helped.
We had a basement flood after a pipe burst. They were quick to respond, seemed fair in their coverage, and the representative we dealt with was very personable and helped us smooth out any little bumps (like speeding up the contractor now and then!).
I have been with the company for twenty+ years. Now they refuse coverage for above ground water damage because my roof is older than fifty years - yet a tin roof is the best and most long-lasting. Also now limit sewage back-up to $15000.
Autorenew rates go up 40-80% per year.
I had one claim. They took all my info and never called me back, I waited upwards of a week and then called to complain and to cancel.
Then someone called me back right away and said they were sorry, They were busy, etc, etc.
I had water coming through my ceiling.
Stay far far away!!! BCAA in BC is a far better option. I hope TD insurance falls flat on its face.