Wawanesa Home Insurance Reviews

We are still fighting over a sewer backup claim after 2 years. We were a customer for over 4o years with this company, and we are treated like we wanted this to happen. We were out of town when it happened, when we got home our basement was destroyed by the restoration company, many items unaccounted for with no explanation from the cleaning company where these items are, yet we have had to sue them and are still in the process of trying to settle this fiasco. They would rather pay their lawyers than do the right thing for a client. They are worth millions in assets and they want to keep it that way. Stay away from Wawanesa, read your policy carefully every year and be careful who your broker is. In our case, we had a broker who did not review our policy with us on renewal and did not advise that because of the flood in High River, all our coverage would change without them advising us of these changes. They want high premiums every year but when it comes to paying out any money for a claim that is a different story. We have had to spend thousands in trying to restore our basement out of our own pocket, as well as legal fees to fight these terrible companies.

Ever wonder why Wawanesa is less than other comparable insurers? You cannot compare their offering to others as their limits are lower and coverage is not near as comprehensive. On my small claim, they nickel and dimed me and did not explain the options openly. I chose to switch insurers after 5 years and feel way more secure now. It may be costing a bit more but the old adage of "you get what = you pay for" is certainly pertinent. Do your research. Buying insurance is something I should have spent more time on rather than just picking the most affordable. Lesson learned.

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 had my house damaged by a hit and run driver. I had to deal with my insurance which is wawanesa canada. It is now just over 3 months and my house is still not repaired. They also stated that they won't be able to match the siding as it is outdated. So they said they will repair it with new siding, but it won't match the rest of the house. In cases like this, they should redo the entire house. I have spoken with other home owners who's insurance (not wawanesa) did just that. They made everything match. This is also what i was told by contractors should happen . But wawanesa refuses.

I tried to get insurance on a home that I am the executor of the estate. I was hoping for a quote so I could compare it to other companies.

It took more than two and a half months for them to send a policy. It was not a quote but a policy. The price was twice as much as what I expected. The next day I got another piece of mail stating that they have not received payment. None of the mail was sent to the correct address. It was forwarded by Canada Post. A final note was sent by registered mail to the wrong address. My travel time was more than two hours to find out that they had canceled the policy for non payment.

My policy almost doubled this year. I was able to get a comparable policy from a competitor for a little over half of what they quoted me. In addition to this it took the broker I was dealing with several weeks to find out why.

So, since I wrote about my claim being denied by Wawanesa regarding the mold in my home, I received a letter in the mail yesterday, May 11, that they were cancelling my house insurance effective 12am May 12 with no reason (mold i am sure). I only received the letter on the 11 but it was dated for April 28? I had no time to find new insurance to cover me till we move to our rental, but now due to the cancellation of my policy I may have a hard time getting tenant insurance even though the cancellation was not my fault at all. This company is a fraud as far as I am concerned and I guess when you have a pillow full of money your conscious doesn't keep you awake at night.

The worst insurance home insurance company with a bunch of lazy adjusters not knowing anything when it comes to find cause of damages, just looking for an exclusion clause in insurance policy not to pay.
Stay away from this company even if you have to pay more for your home insurance.
There is nothing good about this company to rate it even one star, I wish there was negative star rating.

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.