TD Insurance Home Insurance Reviews

Our policy may have been cheaper than Chubb but it was almost worthless too. The adjuster was slow to respond and, when she did, came up with a ridulously over-broad interpretation of one of the exclusions in the policy. In the meantime, my family was out of our home (for two months) and I had to hire a company to clean up my house. So, while I waited for TD to do the right thing, I signed up for almost a hundred grand of house repairs for damage caused by my neighbour. Luckily, I know an executive at TD, and he was able to have a TD lawyer look at the exclusion in my policy. Ultimately, we got our money but I found the experience unnecessarily stressful. It was bad enough to have to vacate our home; dealing with an unreasonable adjuster only made a bad experience worse.

Been with TD for only two years, and my third year renewal came in, and another increase in rates and more limits on sewer backup, and the roof. I question them about this, and its due to recent floods in southern Alberta. I live in northern Alberta.

Two weeks before my third renewal, I cancelled. Now I have to wait 4-6 weeks to get my automatic bank withdraw reimbursed that they already took out for the new renewal.

Also, I've been able to get everything emailed to me in the past, but for some reason, i can't get my home experience claim letter from them, (which I havne't had a claim). It has to be mailed.

I wished I saw this site before I let TD be a bunch of a-holes to me, and screw me around waiting for my reimbursment and claim history for my new insurance company.

Now my new insurance company knows how TD screwed me.

From now on, I will do my best to inform people about how TD operates.

TD Monnex has consistently raised their premiums but reduced the coverage at the same time.

I filed a claim for water damage caused by a burst pipe and was told someone will contact me the next day. It never happened. I called them repeatedly for a months to no avail. They only contacted me after I threatened to take them to the Ontario Ombudsman.

I stay with TD Monnex only because I was too busy to shop around for another insurance provider.

We're leaving TD Insurance after 5 years of continual rate increases (no claims) with the rate increasing 86% during that period and coverage decreased. My wife and I are retired, on a fixed income, and keep our home in tip-top condition. When calling to inquire about the increase(s), we receive an unsatisfactory response. We have no confidence in this organization's home insurance.

Wow is all I can say, I have not dealt with such unprofessionalism and total disregard for the customer.As most people have said, it is a company that is constantly raising their fees and reducing coverage.I made a house insurance claim , the fisrt agent I spoke to was empathetic to our situation and she made us feel like our insurance company cared and was on top of things.Once we were handed over to an adjuster things started to become unreal, there was a total lack of information and disregard to our phone calls and enquiries.We were told TD was very busy with claims arising from the freezing winter and were referred to an third party agency named Crawford and Crawford to handle our claim. The third party company was as bad as TD, they ignored our concerns and communication was very very bad, in the end we felt helpless as no one would get back to us and when they did we were left with little or no information.They also gave conflicting information and down right lied at times to suit their needs.A complaint to TD which is who I pay my rates to and not this other company did not do much,we felt abandoned by our Insurer so we moved our other insurance products to another insurance company because we felt the terrible experience was not commensurate with our loyalty to TD for many years, four months on our claim is approved but we are still to get our cheque since this Crawford and Crawford company does not seem to know what they are doing and have no respect for clients. I am glad to say I am in good hands now.

You would be better off if you buried your money in the back yard then giving it to these people all they do is raise the rates and reduce your coverage. If you want to pay for coverage that doesn't cover anything when you have a claim call these guys!!!

Same experience as alot of others who have commented. Rates consistently increasing with coverage being reduced and then watch out when you want to make a claim. Had a water damage claim from a frozen pipe. Was told I would have a decison on coverage within 2 days. I had to call and follow up constantly. They never contacted me directly. Almost 3 months later, after me following up again, I'm told a denial letter has been issued. Thanks for letting me know! The lady on the phone said it's a pretty simple situation to arise at their decision. I'd hate to see how long a hard situation would take. In the meantime I'm on the hook for the first response team who swoop in and make you sign something (don't worry you're covered). I expect I'll get a big inflated bill that I'll have to pay even though most of the work they did I kept being told was 'for the insurance company so they could get an estimate of the loss'. Totally frustrated with the back and forth between TD and the adjuster they outsourced to. Will be looking to change all my policies to another insurer.

The service has always been excellent - as long as I had no home insurance claim.
We had a major roof leak in our home, roof was 12 years old. Adjuster (who would not return my calls and it took me a full week to get her on the phone) told me my claim was denied due to my own negligence. When I asked her how having a 12 year old roof could be considered negligent (!), she asked me when the last time I had been in the attic to check on my roof, said she checks hers monthly. She was rude, insulting and smug and boy did we fight her. Eventually, our claim was accepted but they made it impossible every step of the way.
If you do have a claim, do everything by email so you have a record of what is said or else they play with you like crazy. Once we started communicating by email (and I had made complaints to superiors), things straightened out, although communication remained poor.
Also, they raised my rates by over 50%. I was told this is what they do in certain neighbourhoods, where they have many clients, they don't want too much risk in case of a flood in the neighbourhood, for example. Or they refuse to provide insurance on certain coverages like, sewer backup or roof leaks.
Terrible company. great service when you call for quotes though.

Upon my renewal of my home insurance I was informed that any and all insurance regarding my roof regardless of claim type has been cancelled. I bought my house 4 years ago and it is 25 years old. In order to get my insurance reinstated I must either A) prove to them that the shingles are less than 7 years old, or B) re-do the roof and get an engineering inspection report citing the following: attic insulation R-rating, if the soffit is properly vented, photos and receipts for the new roof (shingles or steel), name of certified building engineer and that the framing can withstand the areas potential maximum snow load. Yikes! How am I supposed to do that in the middle of January? A little heads-up please! I get the feeling that once a house gets to being 25+ years old it automatically fails unless the policy owner submits proper receipts, photos and engineer reports on a regular basis. This will cost me over $1000 to do it to their satisfaction. I wonder what would happen if I put in a claim. My roof looks fine and should be good for at least 5 more years from what I see. I'm out...

TD Insurance can't do enough for you as long as you don't need them. They keep their costs down by not paying claims and delaying payment as long as possible. They use part time adjusters who (conflict of interest anyone?) are in the business of fixing stuff. That way, their anointed adjuster/contractor already has a $20K down payment which allows them to undercut any reputable contractor for the work. That cuts your claim down because they now have their prepaid, lowball estimate to use against you!

This is probably only an issue for people who appreciate quality since you already paid to have quality work done on your house. TD Insurance considers all "labour" to be the same, so if you had work done by skilled craftsmen forget it. They will not pay for professional work when there is a home handyman or amateur available. Amount of coverage or "Platinum/Diamond/Gold/Premium" coverage doesn't matter. They will just not pay and you have zero say in it. Remember, they have sucked money from you for years and you have two choices when it comes to settling you claim. You can either accept their lowballing or you can get nothing. Those are your choices.

Don't be misled by the fact that their website has a section called "Customer Service" and under that is "Complaint Resolution". Those phones are not answered by people -- just leave a message. You could elevate your issue to the loftily-titled "Ombudsman" -- if he's not on vacation or away. He was on vacation when I called, so good luck getting hold of him, and good luck feeling you are going to get any consideration from someone whose paycheck comes from TD!

At the end of the day we would have been further ahead with some other company or even no insurance at all. The key to remember is that insurance companies are in the business of NOT paying. Any claim they can avoid paying is considered to be a success and is rewarded.

Like banks, insurance companies "want to loan you an umbrella, but want it back if it rains".