TD Insurance Home Insurance Reviews

Online quote system doesn't work properly, chat was useless, and eventually I spoke to live agents who were not helpful at answering questions. If trying to get a quote is this hard, what would it be like if one ever had to make a claim.

We had water damage on our ceiling due to frosting in the attic. They sent someone out to look at the damage. Called within 24 hours to advise me that this peril isn't covered. The adjuster told me that if my coverage was platinum or gold (rather than silver) the policy would have offered one time coverage. I asked her to review our history as I had paid for gold coverage for many years prior to but had recently changed to silver. she calls back the following day to tell me they reviewed my file and that she was mistaken...none of their policies cover this type of peril. IF THE ADJUSTER DOESN'T EVEN KNOW WHATS COVERED HOW THE HELL AM I SUPPOSED TO KNOW !!!! They certainly didn't have trouble collecting my premium year after year. Insurance is in my opinion is in place to be used in the event of a significant loss such as mine. There were many opportunities over the years where I could have opened claims in various situations but never did, thinking I'll probably eventually need insurance one day and will use it at that time. I went to use it and it was declined. Thanks for nothing TD Monnex... I'll go un-insured before I renew with Monnex....it's the same end result.

Worst company I have ever dealt with my wife called 3 weeks ago to cancel our car and truck insurance . After waiting on hold for 30 minutes they informed her that she could not because the vehicles were in my name, that night I was on hold for 40 minutes and then it just hung up.
I called again 2 weeks later and again was on hold for 48 minutes finally some one came on and we proceeded to do the cancellation, at this time they informed me that I would be charged a extra months payment on each vehicle because I was 5 days away from my payment which meant instead of $180.00 in 5 days it now is going to be $360.00. Highway robbery. I even explained to the girl how many times I called.

They suddenly increased my home insurance by 40% without reasonable explanation, I am 13 year loyal client, without any claim for so many years, the renewal notice showed their raise of premium for this year is 40% higher than last year. I called and questioned the agent, the agent was not able to give me a good explanation, and the attitude is really rude. I chose to cancel the policy with TD Insurance, recommend you to do the same thing too.

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!

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.

Never use TD insurance as it is there to collect premiums only and god forbid if you have a claim they will rip you off by working with contractors who report only what TD wants them to report. I have been a customer of TD insurance for more than 15 years. Experienced a sewage backup that has destroyed a portion of my beautifully done basement. The sewage backup occurred twice due to a city pipe egging. To my horror, the TD representative was not only very difficult to work with but blatantly ignored facts to connive with the TD contracting agency (Integricon) and make a decision to not cover just expenses. I highly suggest customers not consider TD insurance as if you get a claim you are in a lot of trouble with representatives like mine who are out there to minimize expenses for TD despite legitimate customer losses you will be left to pay large amounts from your pocket.

Pathetic pathetic phone wait...