Meloche Monnex (TD Insurance) Home Insurance Reviews

Last year my basement was damaged due to sewer back up and water seeped in from foundation due to sump pump failure. Claim was denied. Only few clients were impacted so TD denied all the claims. Now TD is covering same type of claims in Calgary and High River only due to media pressure and their competitors are covering claims.

I should have gone to media at that time. I need to find a good lawyer and file a publice interest petition against this organization who changes it's stand on daily basis.

Two weeks after submitting our claim, no adjuster has visited our home post flood in Sunnyside, Calgary to assess the damage. I have called several times and there has been no clear answers. After another hour on the phone today, I found out that no adjuster has been assigned to our claim yet and they have no timeline when our home might be inspected. Simply a customer service nightmare being passed around from one administrator to the next with no clear answers or insight. " I will send an email to my manager, who will send an email to their manager, and hopefully someone from that team will contact you in 24 hours..." Not a reassuring phrase.

TD Meloche Monnex denied our claims for sewage backup because of a loophole in their policy. This is going to probably be the ONLY heartless corporation that would actually rather see their clients homeless and forced into poverty (yet probably still try and get a substantial premium from them). There are no words to describe the ludicrous actions and unfathomable lack of support to their customers. As if the Alberta flood disaster wasn't hard enough, now being the only person on the block in High River being denied claims is heartbreaking. Thanks for nothing TD Meloche Monnex. I challenge EVERYONE to swtich their insurance provider away from these corporate scum bags who would rather take a 500 million profit then help those who provide to their profit. This is just absolutely disgusting and the overwhelming negative shaming from the public on social media will let everyone know they do not work for you, they only want your money and run.

My insurance is with TD . They appear to be the only insurance company that has not stated that they will support their policyholders. Neighbours are all coverred - some fully and some to the limit of their sewage backup. I just got off the phone with a rather hostile person in the claims department at TD who said it will generally be two more weeks before policyholders get any word from them...so over 3 weeks from when the adjuster visited. And the claims person cited policy wording denying liability... so that is TD's stance. Some other companies' adjusters are cutting cheques on the spot. This is tough to swallow when it comes down to a corporate decision as to whether to allow claims or not. Other insurance companies have made a decision to support policyholders despite strict policy wording that they could choose to hide behind. But not TD! I expect others like me will never deal with TD again since their executives clearly are less suppportive of their policyholders.

Some of my family members in Calgary have the platinum home coverage through TD. Their policies state they are covered for flooding due to sewer back up. Their basements had to be gutted after the flood last month due to extensive damage from sewer back up. It took almost two weeks for an adjuster to contact them (conveniently, about the amount of time it took them to clean up) and then they were told they wouldn't be covered because their basements have windows! The adjuster told them not to worry, if TD doesn't cover them the government will! They're happy to take your money for premiums, but don't want to honour their policies. Sounds like a scam to me.

On my block all the other houses insured by someone other than TD Meloche Monnex have had an adjuster on site and have insurance to cover sewage backup. TD's adjusters do not work evenings, weekends or holidays (even during disasters like the Calgary Flood). On the phone everyone with TD has been told their claim would be denied even without sending anyone over. Aviva, State Farm, Intact and Chubb insure my neighbours and have provided them with quality service. 1 week after I filed my claim I'm still in limbo (yes I call every day). Why can't TD keep up with the other companies?