TD Insurance Home Insurance Reviews

We are one of the Fort McMurray wildfire victim families. Because of TD’s miscommunication, and unprofessional handling, our family is under a lot of mental and financial stress right now. TD hired a group of Claim Adjusters from USA to mistreat and misbehave with us. Beware that when you need them the most they are "TD CANADA MISTRUST"

They were so nasty to us and never called us back.After a few days they had part of basement cleaned up and the other part to stay wet ,it created mold.I had to pay a company to clean the mold.Now the clean up company has my contents which they have not cleaned,asked me to pick it up.I would like an account of what the insurance paid them and they will not call me back.What should I do?

We had water damage on our ceiling due to frosting in the attic. They sent someone out to look at the damage. Called within 24 hours to advise me that this peril isn't covered. The adjuster told me that if my coverage was platinum or gold (rather than silver) the policy would have offered one time coverage. I asked her to review our history as I had paid for gold coverage for many years prior to but had recently changed to silver. she calls back the following day to tell me they reviewed my file and that she was mistaken...none of their policies cover this type of peril. IF THE ADJUSTER DOESN'T EVEN KNOW WHATS COVERED HOW THE HELL AM I SUPPOSED TO KNOW !!!! They certainly didn't have trouble collecting my premium year after year. Insurance is in my opinion is in place to be used in the event of a significant loss such as mine. There were many opportunities over the years where I could have opened claims in various situations but never did, thinking I'll probably eventually need insurance one day and will use it at that time. I went to use it and it was declined. Thanks for nothing TD Monnex... I'll go un-insured before I renew with Monnex....it's the same end result.

I have just cancelled all policies with this company. I had four properties and a tenant package insured with this firm. I also had four automobiles insured with them. There was one claim on a property caused by a tenant who flooded the ceiling in the apartment below.This is the only claim in approx. five years of coverage. During this claim I had to do the emergency work myself as this occurred on a weekend. Once the adjuster did come he was very friendly and quite fine to deal with. However, the damaged caused to the apartment below consisted of a collapsed ceiling kitchen and floor damage which made the apartment unlivable. The contractor was unavailable for 3 months. I had to do the work myself. Next point is that my policy went from $1800.00 per year to almost $7000.00 . There should be a law against this as they are bandits.I am a retired Police Officer and many inmates are far more honest than these people. I cancelled my insurance and had to pay a substantial fee. The co-Operators insurance saved me over $3000.00 and were happy to get my business. This was on just one property. They also cancelled my cottage insurance and tried to charge me a fee to cancel although they were cancelling the policies as they would not insure the cottage without the home, they were charging over $3000.00 a year more for . Insurance companies are out of hand.Their profits are enormous. The consumers need some protection against this behaviour . Politicians talk the talk but really do nothing to help they are just a lip service for these white shirt thieves.

Worst company I have ever dealt with my wife called 3 weeks ago to cancel our car and truck insurance . After waiting on hold for 30 minutes they informed her that she could not because the vehicles were in my name, that night I was on hold for 40 minutes and then it just hung up.
I called again 2 weeks later and again was on hold for 48 minutes finally some one came on and we proceeded to do the cancellation, at this time they informed me that I would be charged a extra months payment on each vehicle because I was 5 days away from my payment which meant instead of $180.00 in 5 days it now is going to be $360.00. Highway robbery. I even explained to the girl how many times I called.

I used to be with TD Insurance for home but nearly 4 years ago I switched to another company because I figured out I could get better coverage for less money. Its been 4 years and I still get calls and letters from the all the bloody time. They've even done two soft checks of my credit within the last 6 months. I don't know whats wrong with these people but I've asked them to stop calling me and they said they'd take me off their list but low and behold, they have not. I'm not sure why they think they can sell me insurance since I did leave their company but even if I had never heard of them to this point, these business practices alone would make me not want to be a client of theirs.

We had a kitchen fire in Sep (the year before last) and they still didn't pay us the amount to start the work. We wait until for the estimates from their 2 preferred contractors. They brought a bias engineer who refuses to take smoke samples in cavities and assuring us that it is ok. They offered us 120000 to do the work. We hired our own engineer to take swabs in cavities and the results came back positive. We filled complaints but we had no response from them and we can't even get to TD ombudsman, they are not allowing us. Our estimates are over 300000$. We stay in rental since Oct and they did not pay any bills which are over 20000 and they only paid rental until the end of July. This is my wife group insurance through nurses union and now all her co-workers start to move from them. This is causing a lot of undue stress which affected all of us. I am decided to start a campaign online to inform their current and potential clients how bad this company is.

If there was a zero star rating, this company would get it. We have been with company for over twenty years and have tried to make a claim with them twice. Once for a stolen vehicle (which got returned). When dealing with the company's adjusters, we were made to fee l like the criminals. Even with proof of purchase of new urea, add on enhancements to the truck we were not compensated.

Now we need to claim hail damage on our roof, got an industry specialist to come out and look at it, at TD's request. Specialist says yes there is damage, TD sends out their adjuster he agrees damage but ... Not enough to file insurance claim. Sounds like being little bit pregnant.
We have had two specialist out and met with their adjusters. Claim denied! Waste of time trying to talk to the "TD Cares" about no one but scamming their customer. Claim started in July and it has taken till November to get an unsatisfactory response

TD is scamming, treats their customers as if they are criminal.

So done! moving all home and auto to another provider. Any suggestions?

When I bought my house 5 years ago I went with TD because the last owners were with them and the price seemed reasonable $90/month. Within 2 years they raised my premiums to almost $200/month and I have never filed a claim. I lost my job 2 years ago and was having a very difficult time making ends meet. I called all of my creditors and explained my situation and they were all willing to cut me some slack and give me a few extra days, including my mortgage lender. But not TD. I called to tell them that I would be ONE DAY LATE! and they told me that if I was ever late again that they would cancel my policy and I would be liable for the balance owed. Recently there was a leak in the roof and it took them a week to send an inspector. I was told that if the leak was due to the roof being in bad shape they would not cover it, but if it was due to shingles being blown off the roof they would cover the cost of the resulting damage, but not before I paid a $1000 deductible. They called me yesterday to tell me that they couldn't help me because according to the report there were no shingles missing, despite the fact that I pointed them out to the inspector!!!

If you lied to your insurance company like these people will lie to you, you would have no insurance.

Long story short, they have been happy to take $5000 per year for 10 years for my home and cars. A terrible wind and hail storm hits and they decline the claim they cancel the coverage because they know the roof is damaged from the Storm.

Everyone is happy to take your money, theses pricks have no interest in honouring your policy.