TD Insurance Home Insurance Reviews

Had our hot water tank spring a leak in our furnace room. Destroyed numerous collectables and personal property not to mention damaging walls and flooring. It's been over 2 and a half months and have no idea what's going on or if my claim is close to resolution. I called yesterday and expressed my feelings on the complete lack of communication and the challenges I've had reaching my "claims specialist" and was told I would be contacted the next day by someone. Guess what, no call... I'm getting fed up with this... Not sure what to do from here... Maybe call a lawyer?

Our shower recently had a flash leak. We hired a restoration company to do up a report, yet, that wasn’t good enough. TD wanted a plumbers report, so we paid to have that done & his report was the same conclusion, a sudden leak. Both the reports were submitted like requested, both were deemed unacceptable & refused by TD. We’ve jumped thru hoops like they asked, yet a rep sitting behind a desk in Halifax by the name of Victoria Snow decided she was a professional plumber herself & denied the claim. We are now filing a complaint. We even had a video showing how fast the water was flowing out & it would be impossible to ignore, but of course, she refused to watch the video. We pay good money for insurance & TD has been a total rip off. It’s also a 2 hr wait if you try to call. Stay away from TD insurance if you know what good for you. Worst insurance company ever & very rude “know it all’s”.

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.

I have purchased all my insurance from TD Meloche Monnex since 1994. During that time I have paid $55,762.86 in premiums and have never had a claim. Last year I was shocked when my home insurance premiums went up by 43.8%. I called to complain and was simply told that overall insurance costs were going up because of recent bad weather, notably the flood in Calgary. I didn’t flood, but I understand that insurance is a concept whereby several people pool their resources to spread the risk. I argued at the time that TD Meloche was obviously insuring too many high risk individuals. I naively accepted the increase in premiums.

Now a year has gone by, and I just found out they want to increase my premiums by an additional 24.2%. This is outrageous, especially considering the fact that TD Bank is making over $1 billion/quarter in profits.

I really didn’t feel like they appreciated my business so I decided to shop around. Wow, am I ever glad I did. Everyone I called was cheaper than TD Meloche. I’m sure you’ll argue that I’m getting less coverage. Let me assure you that I spent at least one hour discussing each quote with the prospective insurers, making sure I was getting equivalent coverage.

I decided to give my business to ScotiaLife Financial. My new policy is 41% cheaper than TD Meloche. How is that possible? I can only conclude that TD is trying to take advantage of people by using the flood as an excuse, or they’re simply incompetent and insuring too many high risk clients. Either way I don’t want to do business with them anymore.

TD has managed to totally piss-off a loyal customer of 20 years.

They have a strategy: over-the-top friendly customer reps are the nicest peope on earth when it comes to purchasing your home insruance. they give you what they make you believe is an amazing offer, and get you to sign an agreement with them.

That's where the good stuff ends.

If you get into an unfortunte situation where you have a legitimate case to claim, they will deny you citing numerous loop holes they have hidden in your terms of contract. If you actually read your contract, you'll see that the most common types of incidents are not covered, and you need to purchase them as add-ons on top of your premium.

I purchased the GOLD package thinking I'm covered in case of most types of incidents. Two weeks ago, due to a blockage in the main pipe, sewer water backed up in my kitchen sink, destroying kitchen cabinets, hardwood floors, and contaminating the entire apartment unit. The adjuster paid a ONE-MINUTE visit to my apartment, only to inform me that nothing is covered because the "sewer backaup from sink" is not covered under my polic, and that it is an endorsement that I had to purchase separately.

If you're with TD Insurance, call immediately and cancel your service. you're wasting your money and will never get anything from TD.

If you're considering TD Insurance, then turn around and run away. Their deal may seem delicious, but it's poisonous.

TD Insurance is THE WORST.

I purchased an “enhanced” home insurance coverage with “extended” water damage. I never had a claim before. Due to heavy rains, water entered into the basement causing molds. TD sent their contractor from First Onsite to conspire with them as he is getting paid by TD. They denied my claim due to “gradual” damage, which is their excuse for every claim to escape from paying for damages. TD is a public company, so I got rid of my shares right away due to their unethical business practices. No wonder they are being investigated for money laundering. Do not use TD for anything. Evidently it was not gradual, as we sleep and work in the basement. They are deceitful. I have never seen the exclusion items, which essentially was a tactic to never pay for damages prior to purchasing home and car insurance from them.

I don’t even know where to start. Claims rep was horrible to the point of me requesting new rep. I was denied!! I requested my policy 3 times and had to make phone calls before I got it.
I used the companies preferred vendor( first on site) to do the work to avoid problems. Nothing but horrible workmanship from drug dependent workers. Work was supposed to take 2 weeks. 6 months later was only half completed and horrible to the point as I kicked them out of my house.
Ins company won’t pay to replace electronics that were damaged and won’t work. They sent electronics out to be tested and paid $100 to get a letter saying electronics are fine. So they won’t even budge saying everything works when it doesn’t.
I am now going thru an agency to go mediate compensation which is a no brainer obvious call. Even if they are the cheapest rates your throwing ur money away as you are simply not insured as they won’t pay on an everyday claim. Their goal is to say no and make u fight for it .
A one star is too much. If you need proof of this you can reach me at 6667chevelle@gmail.com and I will gladly send u pictures and videos.

We had a claim and we were not being treated fairly thus gave up. Every point raised they said the policy did not cover. It took 10 days to get a copy of the policy to show we were covered for roof water damage. Then we were told to submit a second claim for an additional deductible, we requested a second adjuster and were told there was not an acceptable adjuster in our area. This was for hail damage and they would only consider patches rather than replacement. Our neighbours, who have a different insurance company, are having repairs completed. Found the staff to be junior in status and not willing to provide a service for which we thought we were paying for. This was the first and only claim with TD Insurance over some ten years.

I had a flood in my duplex because the main drain got blocked halfway down and my claim has been refused. It can take hours to get a hold of customer service.

My parents have a basement water leak that was assessed by the insurance. The adjuster, who came to their home, stated that they would take care of it and approve it. Not sure if he is talking about fixing it 5 years down the road. He has got to be the worst adjuster ever. Not only have my parents left numerous voice messages, they have also left emails for him to follow up to see what is happening with the timeline. He doesn't even reply back to any messages. He is missing in action. I work in health care and have to deal with adjusters. They are the worst professionals ever. They have no professionalism and no common sense. They lack morals and etiquette. I am a few days away from speaking to the manager at TD insurance and making a big issue about their lack of professionalism. We all live busy lives. Being busy is just an excuse for them. The adjuster just lacks credibility. I believe what goes around comes around. Stay away from these crooks.