Independent Home Insurance Reviews

The Personal Insurance Home Insurance Reviews

(9 reviews)
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Category: Flood, Water Damage
(1.8 out of 5 stars)
Customer Service:
Value for Money:
Claim Experience:

1 isn’t low enough

(1.0 out of 5 stars)
by Aupe Apr 17, 2020
...Impossible to contact and get help. Took me almost a month to get help for a flood the first time denied claim said they didn’t but approved the same claim later? When had concerns about anything you’ll never get past the contracted adjuster as they seem to be the gatekeepers of the company. They shared non-essential personal information with other agencies and anything they provide will be done from an office 1000s away by contracted companies whom if you have any problems with will be your problems, not the Personal's or any of their partners in profit. Run now or cancel your policies while you can...
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Water leakage claim

(1.0 out of 5 stars)
by Samiaghias Apr 16, 2020
...I had a heavy water leakage in my house due to rain. I called Personals Insurance. They sent a guy who went on the roof and came back with some pictures of the roof saying they will bring drying equipment. I called the next day as two rooms were soaking wet and with every rainwater dripped in. The guy sent by Personal said he doesn't have drying equipment and that he will call when he has it. I called multiple times but with the same reply. I had to buy heavy dehumidifiers and fans to dry up my house. I then hired a roofer to fix my roof. There was no reply for exactly two weeks from Personal's contractor. After two weeks when the house was completely dried and the roof was fixed the person called saying he is bringing drying equipment. This was ridiculous… I told him I couldn't keep house wet for two weeks for him to find drying equipment and I did not make a claim. Now I got a call from Personal saying I have to pay the deductible of $500 because I did not make a claim and I have to pay the deductible. Please be aware ...your house can fall dawn and this company will have not to do anything but you will pay the deductible. It is total FRAUD...
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company don't take charge

(1.0 out of 5 stars)
by van242 Dec 07, 2018
...I have been a customer of the Personal Insurance company for almost a decade now. I am a member of the Canadian Armed Forces (CAF), and this insurance company advertises itself to the CAF community that it takes extra care of the CAF members. I had a leak into the basement wall from the storm drain located in the backyard at the basement window. That leak led to the formation of mould on the walls in the basement just under that window. I informed the company upon the discovery on 8 November 2018 by speaking with an adjuster. She informed me that they don't cover mould if the cause of the problem was " a leak from the foundation in the basement". The next day she sent an estimator who took pictures of the mould on the wall and told my wife that the cause of the mould was "a leak from the storm drain by the basement window" (Up until that point we didn't know the cause of the mould). And that mould can form within 24-48 hours. We use the basement as our living room, and before that date, we didn't notice any mould. The estimator delayed his report for a long time due to some family problems according to his supervisor. On the 29 Nov 2018, the adjuster called us back informing us that the Personal Insurance company won't cover the claim because, according to the estimator, the mould has been there for far too long, and that we didn't report it when it initially was formed. There was no official report written on the problem, and the adjustor only looked at the pictures taken of the mould and judged that the mould existed there for a long time...
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Worst Company Ever!

(1.0 out of 5 stars)
by Kim12345 Oct 25, 2018
...Broken water pipe and Insurance claim. Called the Personal regarding a damage to water pipe coming into the basement, stated water was turned off and no water damage. No one contacted back for weeks, the adjuster came out and no further contact. The second adjuster called and was told we already have an adjuster and she became angry and being rude to me. Tried to follow up my claim as water shut off for almost 2 months and winter is coming at the end of October. States no coverage for plumbing damage, just water damage, which I had stated when calling about a claim. No loss of Rental income due to waiting for the claim, or for no water while waiting for the claim to be denied although I have loss of rental insurance but only will claim. Worst company ever. DO NOT EVER USE THIS COMPANY! Will be reporting to the Better Business Bureau. Would give 0 stars if allowed. Have insurance on this house for 30 years, no claims till now...
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Worst Claim experience

(1.0 out of 5 stars)
by Thomas May 27, 2017
...My basement is flooded for 13 days today. No adjuster visited it yet even after leaving numerous vm & email. No one should go through this horrible experience after paying to them all these money. No excuse for this kind of irresponsibility...
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Don't Insure with this company

(1.0 out of 5 stars)
by insuranceuser Feb 02, 2017
...My entire basement flooded and I had flooding insurance, and it was a nightmare with the adjustor who didn't send in the paperwork, and the company was difficult, wouldn't call me back when I left messages, and wouldn't call me back PERIOD! It took a year of fighting with them to honour my insurance, and they kept telling me "you know, you're just lucky to have this insurance." I told them I paid for that insurance, and they said "well, yes, that's true." I had to get their ombudsman involved their service was so dishonest and poor. I had over 30k damage and fought and fought with them. Then my car was hit by lightning, messed up the electrical and blew out a tire, and they told the garage that I was probably lying! This was AFTER they took photos of the tree it hit first and the trench it dug when it moved to my car and hit it. My car was almost brand new. The garage said they had never had so many problems with an insurance company. I cancelled my insurance immediately on renewal and went with Allstate instead. Have never had a claim since, but the Personal Insurance Company was absolutely awful. I actually thought I might have a nervous breakdown dealing with them over and over...
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beware if you claim

(1.0 out of 5 stars)
by faithful 25 years!!! Apr 20, 2016
...been insured with the personal for 25 years. home and 2 automobiles.Had water damage from a copper pipe fitting that dripped behind a wall and down through the finished basement ceiling onto the carpeted floor. called the personal thinking that after all these years of not one claim against my policy and faithful on time payment the would help me out. Wrong!!! they send out an adjuster with a man from an emergency restoration clean up company, take some pictures and tell me not to do anything because there could be mold now. they tell me to tarp off the room until the so called mold can be removed by specialists. 1 week goes by no help from the personal. 2 weeks go by no help from the personal. In the third week they finally actually take my call just to find out they are denying my claim because in their opinion I should have done my due diligence and thoroughly inspected my home to ensure all things are in good working order on a daily basis. they told me to contact the plumber from 25 years ago a make a claim against him. there was never any mold when the adjuster made the site visit but after 3 weeks of taking his advice of tarping off the room mold had set in. mentioned this to the adjuster but he didn't care. also advised him that over the last quarter century I have probably paid them in access of $50,000 with no claims, again he didn't care. very disappointed with this company as I felt I was a faithful customer. My lawyer said I could make a case about the miss directed advice about the mold but this meant spending more money, repairing the damage to my home cost enough.Do yourself a favor and get quotes elsewhere. they are only in it to take your money , not to help you...
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