TD Insurance Home Insurance Reviews

We have a claim for the Jasper wildfire and from the very start TD insurance has been a nightmare. Adjusters are impossible to get a hold of. When you do, they are completely uncaring and cold. You are questioned like you are on trial, and they are trying to find you in a lie. They are trying everything not to pay out. As soon as we are done, we will be switching insurance companies.

We are 4 months into our claim, big claim after complete house fire, and it has become a literal full time job. TD does not answer phone calls or emails even with "direct" lines to your supposed adjuster. Our current adjuster, there has been more than one, is located in Halifax and has never even seen our home yet is making huge decisions concerning it. We are fighting them 100% but this is NOT what we have been paying home insurance for more than 10 years for. Our rent is due today (TD is obligated to pay this as part of our coverage as our home is rebuilt) and they have yet to transfer the needed money. Do yourself a favour and learn from our mistake. DO not sign up with TD. When this claim is completed we will never, ever use TD again and have begun telling anyone we can about this despicable company.

- Added tenant insurance for my son to my account but home insurance got moved to a different account. Lost multiple policy discounts. They corrected it but would not compensate me for the loss. Asked for elevation, put on a call back list, 2+ weeks ago.
- Fire Claim. Adjuster took too long to make contact and then only by phone. Left messages "this is message #1", "this is message #2". Had to search for the adjuster's email address. Took over two months to resolve. Should have taken two days.
- After the claim was denied I became involved with a liability claim. That adjuster did not contact me. The eventual contact was terse. Elevated to supervisor. Still nothing and had to contact again. Then a denial because MAYBE the Chainsaw used in a dry wooded area on a day with windy conditions, MIGHT have malfunctioned.
- Very concerned if I ever have a fire claim, it will be denied outright because MAYBE something inside the home MIGHT have malfunctioned.