TD Insurance Home Insurance Reviews

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.

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.

Stay away, they will trouble you and keep procrastinating the payments. Telephone waits are excruciatingly long.

Please don't waste your money on this home insurance company. They take your money and when you file for a claim, they will be your worst nightmare. They won't help at all. Their goal is to try whatever fraudulent way to not help and they certainly will not update you. Leave you waiting for months. I had excellent service with other insurance and I will go back to them.

They claim to take the stress out of a stressful situation. They do the absolute opposite. My home insurance specialist did not even know what siding was when I explained siding blew off. Been over a month and still nothing. Communication is a joke.

Our house got badly damaged in Mays’ Derecho. I opened a claim the next day since cell towers were damaged. They are so overwhelmed and unorganized that our claim has been assigned and unassigned to multiple agents. I’ve been unable to reach any of those agents after several calls, voicemails and emails. NO ONE has returned my messages. We have questions about our policy that only our representative can give us apparently. I tried escalating our claim and was then transferred to the claims department. I was on hold for 4 hours and 30 minutes then the call got disconnected and hung up on me. I have literally no idea what else to do. I’m so frustrated, we don’t live at home at the moment cause our house was wrecked. I feel absolutely powerless.
If you’re considering TD insurance and your house gets wrecked in a storm along with many others, don’t count on them to do anything for you. It’s been 16 days now and no contact from them.

We had hail damage on the roof and sliding at beginning of July 2021 in Calgary. It cost me 4 months for the process and nothing for repairing started yet and might have to wait for it till next year. How bad management for their vendors in TD! Never has this worst experience in my life. I will not be with TD Insurance forever! If I can, I want to give TD insurance 0 stars...

TD is the worst insurance. Really bad customer service. Waited for hours on hold. When you make a claim they never get back to you. When I called had to wait a very long time on hold. They are very unprofessional, I made the same claim three times and they said that they lost the file or they didn’t know the password to get in. I wanted to give zero stars, but the review wouldn’t go through.

It has been: 49 days since the loss 24 days since the claim was APPROVED. No estimates. No repairs. Brutal response times.