La Capitale Home Insurance Reviews

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.

Purposefully mixing and misinterpreting my responses while asking me many questions about my valid need for cancellation. An employee even lied about my responses and threaten me of using recordings (but she lied.. so I'm unsure how she plan on proving it ? I guess they will now just charge me and it will be up to me to prove I am in my rights) to force me into paying cancellation fees. If you think you'll ever need to move and change insurance, just pick another one right away.

After being 20+ years claims free clients, La Capitale took us (2 seniors) to the cleaners financially. It took them 14+ months to fractionally pay us the value of our water damaged contents and our time, even though our comprehensive insurance coverage was for full replacement value with no depreciation. We lost over $25,000 on that portion alone. The reconstruction estimate they gave us was short of reality by over another $25,000. We had to fight from Aug. 6 2019 until November before we finally got a cheque to begin repairs. Their 3rd party adjuster, GPC Gatineau, was a manipulative bully from day one. He lied, argued, and combatively made every step triple the work and stress for us. He arbitrarily made decisions that negatively affected us without ever informing us. Thank goodness all our communications were via email except the face to face interactions, which we would confirm back via email. When one has never gone through a major household claim, you don't know how the system works, what your rights are, what to expect, what to watch out for, what to have as proof before, during, and after the disaster. We will report La Capitale and GPC to all responsible organizations nationally, exposing just how unethical, devious, and outright bullies they are to their clients. STAY FAR AWAY FROM THESE 2 COMPANIES!!!