TD Insurance Home Insurance Reviews

I had to face many problems at the time of claim home claim. Water leaking from the ceiling through shingles. I have provided all evidence. Agent response was poor. They take more than 1 month for evaluation. Then nothing happens good and declines. Never trust. I was suffering due to water flooding in the house. The agent said you have to be stopped from your side. If something gets bigger then TD Insurance will not cover those damage.

I have had home insurance with TD for over a decade - car and home. At this time, they have increased premiums annually without any specific explanation or due to any claims made by me, on both policies.
Despite this, I have remained with TD on the assumption that the higher cost to me would be justified by a quality service if and when I do claim.
I made my first claim on both the car and home policies in May 2021.
The car claim was settled quite smoothly and within a reasonable timeframe (6 weeks); no issues there. However, the claim on the home policy has been an altogether nightmarish experience that remains ongoing!
Since making this claim...
- Two assigned claims handlers have gone AWOL without any handoff to a new handler. In both cases, they left unanswered emails and calls and I had to call the call center, as well as write to both the team manager and Complaints dept. to get someone engaged
- (I should have just taken the cash settlement but.... ) I opted to go with the TD-appointed Contractor to carry out the repairs on the assumption that TD has vetted the contractor to ensure reliability and integrity. I also did not want to be managing the repairs and finding my own contractors.
What a mistake!! As yet (12+ months later) the contractor has not completed the work and my claim remains open with TD
- The contractor has sent in subcontractors with a poorly defined scope of work on multiple occasions. One team left my property further damaged and showed little respect for my home and did not respect any Covid protocols (they showed up with 5-6 men to do work in a relatively enclosed space in my home and did not wear masks). Pure negligence (not covering the hardwood floor) that resulted in new damage to my house
- I fired these subcontractors and I am still waiting on compensation from the first subcontractor that they agreed to pay in April 2022 for the extra damage. I have chased them 3 times on this and they simply say they will contact their "head office" and let me know. TD has done nothing to assist on this other than send an email asking them to update me on the status of the compensation
- Despite assigning a PM and Coordinator to manage the repairs, they have failed to properly coordinate the job and failed to even properly inspect a damaged window opening before approving the replacement window to be installed. They are now blaming the window installer for this but the project coordinator was on site when the Window went in. This lack of planning and foresight has delayed the work by many months.
- Following my complaint to TD, the claims team manager is personally handling the claim. As I said, they have done little to resolve the issues (to my knowledge) other than initially trying to defend the complete lack of customer care and unexplained absence by their own team members and sending the odd email to the subcontractor.
- In the interim, they have gone ahead and increased my premium so I have the privilege of paying, even more, $$ to them while this mess continues at my home.
- I'm in the unenviable position of having to pay TD and cant even switch insurers due to the claim remaining open!

To start off if I could give a zero-star review or negative stars, then I would. One star is way too generous for this excuse of a product.

To give you some background information I've dealt with TD on numerous occasions. I've had 2 TD Auto Finance loans, a line of credit, two credit cards, a checking account as well as an investment account. The service with all of these was exemplary beyond none. I expected this level of service to transition over to any product falling under the TD umbrella. This is not the case and that is an understatement.

I opted in for the best possible policy - $2 million dollar solution, with comprehensive coverage on everything including identity theft, fraud, and data loss. Also had added coverage for jewelry, and flood/sewer protection. I also added a rider that stated that I would not be dinged for depreciation and it was called to settle your way.

I started a claim for theft and vandalism in July 2021. As of this point, it still has not been settled and nobody will get back to me. Prepare to be asked to jump through several hoops, then when you do what is asked of you prepare for them to add more incrementally. Then when you've done everything they've asked they'll ask you to do it all over again.

My claim amounts to maybe $100,000 in damage and $100,000 in contents. Realistically I lost probably close to $250,000 in contents alone. They are dissecting (when they actually got back to me) every single item like it's a fraudulent claim. In the decade before the claim, I made approximately $750,000 and my credit reach was enough to buy everything on my list twice over. However, I am perceived to be a fraudulent liability and treated as subhuman.

They are not on your side and what I should have done is right from the get-go is involved a third-party representative to deal with them on my behalf. When you need their help (as they promised to you) and you opt-in for the best possible coverage prepare to be treated like a liability. They will look for every reason to delay your claim, infuriate you and cause you to give up. Well, they picked the wrong guy.

They will not review your policy for you in a positive manner. If you have coverage for certain items, you better know your policy because they won't tell you. No "hey don't worry about it you're covered for that."

My vandalism claim was extensive to the point that a restoration cleanup crew should have been called in. They did not offer to do any cleanup or offer any advance while they did their claim investigation or anything really.

Then when I'm sick of my home is in the current state that it's in and I decide the hell with this I'm going to sell it for a loss my adjuster immediately tells me oh yeah you're going to get paid less IF it does go through. You will be charged depreciation even though I have that settle-your-way clause - what a waste. So not only am I dealing with all this but now I've had to take a $100,000 loss on my home and have nothing to show for anything.

If you submit documents online half of them will be lost and it will be your fault. Do yourself a favor and analyze your 70-page policy down to every word because all this product is 70 pages of them trying to find a way to not insure you.

I've had my adjuster switch on me three times and the latest one who is supposed to be a senior adjuster for TD is the worst one yet. She refuses to answer me ever. In fact, the last time we spoke was about 3 months ago.

I've been in the customer service industry before and I've had to make over a hundred calls in a day as well as nearly 100 emails. On top of that find the time to sell the product I was selling to live customers. If I ever had the audacity to behave in such a manner I wouldn't make it to lunch before my name was off of my office door.

Other gems that you can expect are things like your adjuster telling you that they can't access your policy to give you a copy, ridiculous. The only positive experience you will have is when you try signing up for the insurance those people were more than Pleasant. As a matter of fact so was the first lady I spoke to when I called to make a claim. The first adjuster I spoke to was also Pleasant but he was removed from my file after only 2 days, most likely because he wanted to process my claim as you know it's their God damn job and that would cost the company money.

I can't believe that this product even falls under the TD name it's an embarrassment. I am going to do everything in my power to make sure that nobody ever buys their product.

We have twice major hail damaged in Calgary. Once in 2015 and 2nd was in 2020.
TD Bank never covered my backyard stuff and even don't bother to reply to any of my emails. They are only busy promoting a different good cause they like helping poor children with food and water (and so many cause they don't do or promote) and not helping any other communities at all.

Very poor service and one of the most greedy banks in Canada that don't care for the customer at all

It turns out that, by default, their policy does not cover water leak damage for an unoccupied condo unit (note: the leak was caused by another unit). Then what am I getting insurance for..?!

Dealing with this company is ridiculous. Pay a bill online, they send a snail mail letter saying it's past due, then you call and they say "we can't help you call this number"... You call that number and they say that it is the wrong department. Insurance is garbage as it is, and this large-scale shop is no different.

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?

Like others I recently had major damage occur during the Ontario storm.

TD has done nothing, calls and emails are not returned. We were assigned an emergency contractor for repairs, but they never called or came.

My roof is torn open and trees are still down at front and back, pool leaking 4K ltrs a day - no one at TD cares.

Transferred to 3 different claims advisors in 16 days.

The takeaway is that when there is an emergency TD is going to do nothing to help you. Shop elsewhere.

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.

Had to contact them for Home insurance. After they promise me something, it end up after 6 months that was a lie and I was asked to pay a cancellation fee or I have to transfer the policy to my new property from another province. The agent passed me back and forth from one agent to another and in the end, they open me another policy without closing the current policy for the property I sold. Very poor communication skills and customer service. I will never use them again. Lucky I had no claim, cause I don't know how they will handle that.