Hail Claim
by Nelda on Jun 24, 2015
4.5 out of 5 stars
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(75 reviews)
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I have been a customer/policyholder of The Personal for 12 years and made my first home claim due to the Nov 2014 wind storm in the Oakville/Burlington ON area. The claims management experience has been a nightmare! Little assistance to help the policyholder through a stressful process, ridiculous policy on covering damages/expenses incurred because of The Personal and their service providers' incompetence, and to top it all off, a painful process to even get funds forwarded in order to pay service providers for those expenses they DID accept!!! Unbelievably bad customer service skills, adjustment/claims management process and expense reimbursement. I am beginning to believe that the favourable rates (mostly due to a group plan) are just not worth it. Stay away for the claims experience alone - believe me! If I could choose NO STARS I would.
In August 2014 there was a very bad hail storm in Airdrie. Pretty much everyone had damage. The back and side of my house were hammered with hail. My siding is no longer available. The personal plans to use a different colored siding on the affected areas! I will have a two tone house! This is crazy. All my neighbors who are in the same position are getting a full wrap of new siding. The personal is the only insurance company following the'letter of the law' on this. Every other company is using common sense and deciding to do the right thing by their customers. This means I either agree to having mismatched siding or I pay $12,000 additionally to replace the rest of the house to match. DO NOT USE THEM. You will regret it.
Had a bad hail storm which caused damage to home and also a rental. The Personal had an adjuster come with a reconstruction company guy to go over both houses. The reconstruction company would have done everything which would have been no hassle for us, but we took a pay out on some stuff and got work done by other tradesmen. I think The Personal took good care of us overall. We got coverage for "damage" which we hadn't even expected to get! On the downside, the Personal, when it comes to hail damage, only does direct damage. This means that only two sides of our rental were covered regardless of the fact that a siding match could not be found. However, I emailed the guy at The Personal directly (on advice of the adjuster) and he agreed to do the third side because it was so visible from the front of the house. The fourth side we are paying for ourselves which may sound bad since many (most?) people got all 4 sides done on their insurance, however, when I found out what their premiums were compared to what we pay, I was MORE than happy to pay for that fourth side! Also our deductible was $1000 for both houses together whereas many people I spoke to had a $2500 deductible so that more than paid for that 4th side right there. So we've been pleased so far (this is the first claim we have had with them) so I wanted to be sure to make a positive review since so often people only do a review when they are ticked off!