TD Insurance Home Insurance Reviews

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.

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...