Wawanesa Home Insurance Reviews

Wawanesa has kept us waiting over 2 years to settle our claim. We were never told what would be covered and what would not. We are not getting the single limit replacement cost on the damage. Refusing to cover lots and reinstalling things damaged. Amazing contractor trying to work for us. Terrible customer service from adjuster and Wawanesa. We are not getting the coverage that we should be getting. Our home will never be worth what it was before the loss. I do not recommend Wawanesa or Coast Claims adjuster. Very sad. I recommend purchase home insurance with a different company.

I had two claims in same year in 2013, still not settled in 2014 year after first claim, insurance contractor lowballed estimates for some items then added high 20% overhead plus 20% administration costs to total and stated that line total before overhead and administration is what you get 80% of for cash settlement, thus 80% of 60% of contractor estimate, then reduced by additional 5% for gst which I could submit receipts for after work done in reasonable amount of time. It worked out to about less than half of contractor estimate after deductible.

Trying to get a contractor to do restoration but most do not want to do since insurance slow at paying them when work done. I am tempted to go through dispute resolution but more time and not worth the headaches. Roof estimate close enough since only 10% off for overhead and 10%% for administration, so 80% of 80% is better than 80% of 60% for basement restoration.

There story is that we can not profit from our insurance claim, but I told them fair compensation for work and tools used and no future liability is worth them saving 20% but they want to save 40% plus, so they can profit by having us do work for next to nothing after all materials paid but I cannot get fairly compensated for my time and use of tools and assuming personal liability for restoration??

The new replacement cost of items destroyed or semi destroyed meant nothing since they reduced items values for depreciation and then give us 75% of lower amount not new replacement cost for cash settlement, we could provide receipts later if we spent more but with no basement restored why buy anything not too mention they would not commit a time or money limit for storage costs, jut "submits receipts for our consideration" which means we will probably not pay for it or just a small portion of it, but no firm numbers and time constraints??

Cheap not always best?? Do your research and seek out companies that are fair but still reasonable in premiums etc. Would I recommend Wawanesa? What do you think LOL?

I have used wawanesa insurance for my house and auto over 10 years . It had hail in Calgary NW in 2012. All my neighhoors including my house had hail damage seriously, Wawanesa tried to deny the coverage of hail damage , even though they can't avoid it , Wawanesa tried to miss hail damage items , less quantity of hail damage as well as try to use cheap/poor job. It spend me over 1 years ( emails and callers thundreds times)
1) Roof : Wawanesa said not hail damage in my shake roof , then send me one independant inspection report done by one personal service style firm to approve his point , I have to hire one big/stnadard roof indpendent inspector to double check it . It has seriously damage . then Wawanesa just paid $3000 for replace entire roof .
2) Siding and around : Wawanesa hired one personal service style estimation firm to estimate the cost, over 40% hail damage items missed at the first. Even though hail damage items in the estimation reports , the quantity is not enough . such as hail damaged length of fascia is 160 ft , the estimator said is 80 ft . the estimator tried to paint my hail damaged wall clopped at cost of $51 which other constructor asked for $545. What important Wawanesa tried to hire one constructor to this job at unbelievable price , We can image how cheap and poor job will be done . They asked me to wait at home review and they didn't come , I called and emailed an adjuster a lot of times , they didn't response.
In the word , Wawanesa just collects money and woudn't like to be responsible as they promised , Wawanesa manpulates from dependent inspection , estimation to constructor .I don't know why government allow them to do this style business in Canada.

We had a hail claim from 2023 and They sent an adjuster out to check on our damage. They said we didn’t have any hail damage in our roof, minimal damage in siding, little damage on hot tub cover and no other damage. My son was up on the roof and took pictures, there was damage. Had two roofing companies come out and both stated there was damage and 80% of the houses on our block got their complete roofs redone. We have huge cracks and holes in our siding and hot tub cover, pits in our deck and fencing that took chips out of the wood and missing stain, and a roofer took pictures and circled all the points of impact on our roof. They said the guy who did our inspection was let go, and we would get another inspector to come out and re-inspect it. When we got it re-inspected, it turned out to be the same guy as last time. This time he said there was some damage and would cover 1 bundle of shingles. They sent me an email basically stating they were doing me a favor by inspecting it again. The manager would not do anything. They said we would have to get a HAAG roofer out to complete an inspection. Our house is 10 yrs old, and houses built less than that got complete roofs done. Horrible company to deal with, rude, disrespectful and incompetent to what they do.

They send their own contractor to lower the cost of the claim patching a do poor repair then the contractor comes to make you sign the contract for the work and he never shows up again. The insurance company sends the cheque to you with your deductible but you will not have anymore hail insurance they treat it as a settlement and your house is not repaired! Run from this company!

If you do not use their contractor of choice for repairs, they will do everything in their power to make the experience as difficult as possible!

I had suffered a property loss,this company tried very quickly to jump to conclusions.They ended up putting a PI team on me. Everytime the PI team were doing there at best dollar store surveillance I see them. Lets not forget I was the one who suffered the loss, but they had decided to try and change it around.. I would never use them again or recommend to anyone for any type of insurance.. They take your money but when it comes down to it,they have a problem sticking to policy rules. This company is a scam,scam,scam!

I am an single mom of three working 12 hour shifts to provide for my family. I have a older home with no concrete foundation..Just dirt under floor boards. The house was insured by wawanesa by the previous owners and now by myself and was insured with the house having h dirt foundation. I put 35000 into the house after purchasing. We repaired some floor joices that had sunk. I have never had the need to look under the the home again till a few weeks ago when I found the floor was bowing. I have found yellow mold fungi all over the floor boards and joices under the house. I took a sample with a kit and found it verified as "the house eating mold" There is no crawl space..Only about a foot between dirt and boards...I was told would be very expensive to fix. My 19 month old son has been to the er numerous times for lung infection symptoms or croup since he was born and him and I slept in the room directly above the mold fungi. I contacted McLean insurance who sent my claim to wawanesa after many arguments back and forth. I was told from the start that it likely wouldn't be covered as they don't cover water seepage and since water seepes through dirt that caused moisture hense making the wood damp and causing the mold fungi to grow. The adjuster came and took photos. Then a week went by. He returned with a contractor for his opinion. He stated it would be a lot of money to fix an take up to 6 months to complete. Another week went by and I heard nothing. I contacted he insurance reminding them that I have three small children in this house an we will need to make other living arrangements as I won't keep the kids in this house. Few more days went by then I get a call from the adjuster.... There are not covering my claim as they don't cover water seepage. I can not control how much water seepes through dirt. There has never been a flood up to the house. They insured the dirt the way it was under the floor an had no problem taking my payments for 6 years. Now that the same thing the insured has failed they will not cover it. I can't afford to fix the problem as it is extensive. It is looking as I will have to give our home back to the bank and look to rent...Which from what I have seen so far is around 1200 plus..That's a big difference from my small mortgage payment. I just can't believe there is nothing they are offering to help myself and my children with. I would not recommend his company especially​ if you have an older style home. They can give away free pizza an iPads but won't help there customers.

Wawanesa is hands down the worst insurance company I have ever had the displeasure to deal with. I have had them for my home and auto for over 15yrs. I have had to sue them twice now to get them to follow-through on their obligations. I should have learned the first time, i know. First experience was a damaged window from a hail storm. It took them a year (no exaggeration) to send their adjuster back to look at it - then denied the claim. We sued, they settled in mediation. This time around, there isn't enough room to tell the whole story. House fire in my neighbors townhouse spread to my unit, which was just the start to the fun. After 2 months of no communication from my adjuster at all, and being thousands of dollars in debt paying for a hotel, while I waited in limbo, they finally started talking to me, but would take a 1 month or more between contacts. I was in debt $15K before they cut me my first cheque. Then the terrible contractor they hired flooded the entire house after 4 months of waiting for them to do any repairs, by freezing a pipe. Contractor wouldn't do anything until the insurnace company stepped in, so it took them 3 days to finally do anything while the basement basted in water and freezing temperatures. They opened a NEW claim and charged me another deductible. Took them nearly a year to fix all the mess. I finally sign off on what I think is a fully repaired house, to find flooding and seepage in the basement within a month, where I had never had it before. INSANE. So I call, and they tell me its unrelated and it will be a new claim, and probably won't be covered. They send a contractor to look and says the same thing. I hear nothing from them for more than a month and I'm forced to now have my lawyer send them a threatening letter. They finally respond and tell me they are denying the claim. So I get my own contractor in to fix the mess and low and behold, we find the dirty secrets. The insurance companies contractor had taken no permits out. They left all of the original lumber in the wall. They must have known there was an additional water issue, but rather than disclosing it or fixing it, they used electrical tape and taped a piece of poly over a crack in the foundation, i suppose hoping it would solve the problem. Completely disgusting. They continue to deny the claim, and in fact refuse to release a cheque for my missing and damaged contents until I'm willing to sign their proof-of-loss form, that clearly states that I will have no further claim to damages. Suit #2 now filed. I wouldn't wish these clowns on my worst enemy.