La Capitale Home Insurance Reviews

First time I ever made a claim after countless years of being a customer. What a disaster of epic proportions. First, they NEVER return any phone calls. You'll leave endless voicemails only to be COMPLETELY ignored by their superb employees. You'll end up having to yell at someone to get any sort of service. This is par for them. Don't expect them to be any different from you. Then it took 3 MONTHS for them to do anything. As a reference, a friend of mine had 20 000$ of theft in his house. His insurance company took 13 days. I had a fire, La Capitale can't take 97 days. In the mean time? They'll keep ignoring your calls. So I have to move right? Well, they will keep trying to contact you where the fire happened. Yep. They won't try to call you. They won't contact you at the NEW address you gave them. Nope, they'll just cancel your insurance (while the case is still active mind you) and then start the harassment. Every two days, expect a threatening call from their billing department. I forwarded them to the cops and made a criminal harassment and threats complaint. This is still pending. But La Capitale will not stop the harassment. After the phone calls, they'll start spamming your email. You know, all these methods of contacting you they couldn't bother with before willfully cancelling your contract, probably illegally (the IBC are investigating them now). Basically, it's gross incompetence with a name, and that name is La Capitale. In their own words while spamming me endlessly: "Do yourself a favour" and go elsewhere. They will make your life 100 times harder than it should after losing everything you ever owned. Their job is to make sure you're out on the street homeless. Pathetic.

I paid the insurance
I am a client with them since 20 years
Then, I was told that my roof was too old: 32 years vs. not insured when more than 25 years.
Come on, La Capitale should have warned me every year since 7 years about this internal policy!!!
I asked a delay to find a good roof-making company as I want a green roof, and we are already mid-summer. I asked an inspection that concluded (roof acceptable).
La Capitale did not want to give me the delay.
Next year: I will change for another insurance as I don't care for the price, but expect a good service.