Meloche Monnex (TD Insurance) Home Insurance Reviews

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?

After 20 plus years of being with Meloche Monnex they will no longer insure my home because I excersized my rights to make a claim. Since having two claims with our house in the past 5 year period they have dropped us and we are left to find another insurance provider at a much higher premium. They do not care how much business you give them.