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.

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.

Just calling to get a quote from them is bad enough. The quote they've given me is ridiculous and the customer service rep was no help at all. From all your claim review, I will definitely not be going to them when I can still decide on the provider.

Thanks

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.

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".

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.

Found a leak in our basement bathroom, immediately called TD insurance to start a claim as we did not know the cause or the extent of the damage. Turns out that the leak is from an improperly installed drain pipe on the tub drain from renovations done on the home prior to us purchasing it. Our claim has been denied on the basis that faulty installations are not covered. I can understand the repair part of the job. I have to fix that-that's a given. But what about the damage caused? We are in the process of selling our home and we made it very clear at the beginning of all this we needed it expedited quickly. It as taken three weeks to get ANY kind of answer from TD Insurance. The worst part? I am TD staff! I know the company I work for treats its customers better than this-or so I thought. This has put me in a very awkward position with my employer. But I am a customer like everyone else, and I have the right to complain about poor service too.

Roof damage assessed as old, so my claim was rejected when roof leaked. Yet, roof was evaluated by two different roofers only a few months before and declared sound.
The process has been frustrating as calls were not returned, promises made and TD rationale is not sound. I have appealed and now am chasing down people who said they would call back. No clear timelines and it has been four months of non-accountability. I was asked to submit my roofer's own report and did so, to no avail.
Please note: my policy is deemed by TD Insurance as the Platinum Policy, the very best policy there is for home insurance. I have never made a claim in 10 years.
I am trying to communicate presently with the Ontario Ombuds so awaiting a return telephone call.