Meloche Monnex (TD Insurance) Home Insurance Reviews

We had damage to our roof. Filed a claim. They put forward a roofing co from their approved vendor list and assured us this was a reputable vendor. The roof was fixed, or so we thought. 2.5 to 3 years later we started seeing stains from the water on our ceiling. Called TD. They ignored us and when we finally did get a response it was just to say so sorry the warranty period is over and that roofing co is now bankrupt and they tried to convince us the damage was due to condensation (it wasn't). We had a certified roofer assess our roof. They took numerous photos and highlighted numerous deficiencies in the work done by the TD appointed roofing co. Things were on backwards, were not in place at all or were missing portions of the standard requirements. TD shot back that it is out of warranty and other excuses to disregard our claim. We now are out of pocket for the 1k paid for the deductible on the first claim, have increased monthly costs due to filing a claim and are now out of pocket 12k (we had the roof fully done by professionals to stop the damage to our interior). We also have water stains and missing chunks of the ceiling inside and who knows what other interior/exterior damage due to their recommended vendor's negligence...so will have more out of pocket costs to deal with the bad decision we made to trust TD when they recommended their "trusted and approved" roofing co to us. Lesson learned. If your insurance co puts forward a vendor for you to use don't accept them. Get an independent quote and find your own reputable roofing co to take on the work. I will start my search for a new company to take on our 2 cars, house and other insurance needs we currently do through TD Meloche Monnex. If we could afford a lawyer I would take them to court.