Meloche Monnex (TD Insurance) Home Insurance Reviews

Today marks 2 months since my home flooded due to a pipe rupture and I am still living in a hotel. I am still awaiting the damage quote so that I can go ahead and start hiring contractors. Spent the first 2 weeks calling my assigned "agent" 2 or 3 times a day seeking help and answers to questions, left voicemails, and have literally spoken/received emails from said agent 3 times in 2 months. This service is not just this agent. The morning of the flood I was given the name and number of my agent, only to discover on my own through multiple calls, that indeed this person was on holiday. I was told another person would call me.... that never happened. Finally, my current agent reached out. That was easily a couple of days after the flood. I will likely switch all my insurance (house, car, truck, side x side, 2 snowmobiles) to another company as soon as I get a payout.

I decided to go with TD 2 years ago. Find out that my premium has doubled in 2 years. Live in Winnipeg. Sorry what happened in Calgary and Toronto, TD. My $50,000 sewer backup is now $5,000. Over $1200 a year plus taxes for a 1220 sq. ft. house. $1000 deductible to boot. Been claims free for 16 years now. Can do a heck of a lot better than this elsewhere.

I had a claim related to a flood in my apartment and of course, TD insurance found a loophole in order to deny my coverage. I paid TD insurance money since 2001 and 20 years later when there was a problem in my apartment they did not cover the damages. We had a pipe leak in our condo and the laminate floor was damaged. The adjuster did everything possible to find a way not to pay for our claim. Please beware of TD insurance scam as they will make you live a living hell in case you have a claim. My advice is to stay away from TD Insurance and get a policy somewhere else. Huge scam!

We had a premium insurance package with TD that was represented to us as full coverage. We had endorsement packages added to cover any gaps - it was sold to us as peace of mind, worry-free insurance. We had a water supply issue with our home, which was a leak on our side of the demarcation point with the city. It looked like we would have to have the entire water supply line replaced and inspected. This involved tearing up our concrete driveway and walkway. After the tear up and line repair, there would be a waiting period of several months before the driveway could be repaired. We got quotes on the work and contacted TD who said they would cover the tear-out, and the repairs to the driveway, but not the plumbing. The TD representative said we would have no trouble reopening the claim at a later date to have the driveway repairs covered. At the time of the tear-out, we convinced the contractor to just do the tear-out at the curb stop valve, because we thought the leak might be there and this would greatly reduce the scope of the work. The leak was there and the full waterline did not need to be replaced, so only a small portion of our driveway was impacted. This reduced both the tear-out cost and the future driveway repair costs. The cost for both portions of the work was now about half of the original estimate. The driveway repair was scheduled at the end of the season, but the final scheduling was done quickly to accommodate the contractors' year-end commitments. We contacted TD insurance, but the preparation work was being done as we were reopening the claim. In view of this, we compromised on the repair to control the costs for the insurance company. To minimize costs, we repaired a smaller portion of the driveway than we would have done if paying ourselves, although this would result in a colour matching issue. We tried to reopen our claim but the representative who had done the initial work had left the company. We exchanged emails with the new representative, but he didn't understand the history of the claim or the technical aspects of the nature of the work. They didn't seem to have notes in our file about what had been agreed to and placed the onus on us to provide supporting emails. We provided what we had, but much of the agreement with the original representative was over the phone. The new representative said our claim was now denied, even though the final cost was about half of the original estimate. His emails had false assumptions that supported not paying the claim. When we responded to correct these errors, he would send back another email with more excuses about why they would not honour their original agreement. He denied that the prior representative had assured coverage of the work, despite the fact he had done this on multiple occasions. We tried to contact the new representative by phone to engage in a richer dialogue than had been afforded through emails, but he wouldn't take our calls. His voicemail message indicated he would return our call that business day, but this did not happen. We finally gave up and paid for the repairs ourselves to avoid further stress and loss of sleep. We believe they broke the law by making an assurance to us that affected our course of action and position, potentially impacting our property value, only to later deny the claim. They also misrepresented their policy, since we obviously didn't have worry-free coverage. They do have recourse for denied claims, but this multi-tiered process seems principally designed to frustrate the customer to the point of capitulation. We would not be upset with TD Insurance if they had been honest with us from the outset of our claim so that we could have had the work done the way we wanted. They basically lied to us on multiple occasions and provided markedly inferior customer service. We will be engaging another provider for all of our future insurance needs. We were customers for 20 years but didn't have a lot of experience with how TD handles claims. After witnessing this aspect of their service, we strongly recommend not choosing TD Insurance as your provider.

I bought the house 2 years ago in 2016. I am first time home buyer and don't know much about these insurances. I went on vacation for 3 weeks for when I came back and entered my house, it was all ice because of flood due to the water pipes burst in the house (second floor under washroom). I called insurance and told the complete story and they sent the appraiser the next day but didn't arrange any other accommodation for me. I had to pay all that expense from my pocket. In the end, they put it on me that it was my mistake that I didn't hand over keys to someone to take care of the house or I should have put surveillance cameras to check the house or I should have closed the water tab and drained all the water. I didn't know these things because this was the first time I was going on vacation. So finally I got a call this Friday that they declined my insurance claim, so now I am in debt of almost $15k to $20K.

Confirmed with their agent over the phone that even the most expensive package (platinum) does not cover water damage from flooding, and the only water damage they cover is from sewer backup. I was very surprised to hear this and will not be renewing my policy.

I bought the car and home insurance as a "group insurance deal" that my PEO offered 18 years ago. During this time I never had a claim. A few months ago we had a water leak in our house that did some substantial damage to the walls and hardwood floor. After calling them many times and waiting for a long time finally (talked to 5 diff people) my claim was refused. These guys have terrible and inefficient customer service. Switch to another company, never ever do insurance with them.

I had a flood in my Basement February 20th. I called and submitted a claim and was told an adjuster would reach out in 1 business day.

Two days have passed and no call. Everytime i call they are surprised my adjuster hasnt called and promise he will reach out to me shortly, but no luck. The agent I spoke to yesterday said i was most likely covered and had been lumped under a catasprophe group.

Today they informed me (i had to call again) that uless there is a burst pipe that none of their policies (i have platinum) cover a rainstorm coming in your home through walls, doors or windows. 54 hours to find out they wont even come look at it. In tje meantime the extent of tje damage is worse and is going to cost me more. I will not be renewing my home or auto policies next month when they renew.