BCAA Home Insurance Reviews

I used BCAA home insurance for over 20 years with one claim. The one claim involved faulty toilet tanks that cracked. When this happened BCAAs contractor quickly had this cleaned up and eventually repaired. No complaints there. However my reduced premiums immediately went to full price as I had made a claim despite them being part of a class action suit against the tank manufacturer. I was asked to take time to meet with their law firm and sign papers etc. On the second round of papers signing i asked if my premium payment discounts would be rebated as the company will get funds from this suit as the tank company was taking responsibility for the defect and I was told "No" .

Many years later we purchase rental and rural property which was deemed to high of risk even though we were loyal customers for over 20 yrs. I will never deal with them again. Coast Capitol has been very good and gladly accepted our business.

BCAA was awesome few years ago... when ClaimsPro was not the their 3rd party adjuster company. I don't recall being this frustrated when I had similar claim few years back (flooding that requires laminate flooring to be replaced throughout the house). Their contractor has found our main floor (which is our access to kitchen, bedroom, and bathroom) to be "unsafe" due to accident prone while the main floor and stairs are being replaced but they still find it "liveable". The policy states that they will cover living expense when "unfit for occupancy". Which becomes debatable... after numerous battles with both ClaimsPro and BCAA directly, they concluded that being unsafe is still fit for occupancy. I was advised to use my common sense that if construction site (house) is unsafe, to use my judgement to be cautious... even if I have small kids. They've stated that if I were to fix my damage on my own, I'd be careful not be in any sort of accident. Then I wondered isn't it the reason why we take insurance? So we have a peace of mind in not harming ourselves during claim renovation... hence the clause for 'additional living expense' for when 'unfit for occupancy'? This is really dumb. I'd like to formally complaint to BCAA and BBB for this part of the policy to be clarified. I don't understand the logic.

My wife and I had our apartment damaged by water and were put into a new home for 7 months. Had a 3rd party insurance company (ClaimsPro) involved. BCAA was awful from the very beginning. No one ever contacted us directly, everything went thru ClaimsPro. Took months to get reimbursed. We would have to put down hundreds, even thousands of our own money and wait months to get it back, no matter how often we reached out to them. The customer service was terrible. Deadlines were never met. No matter how many complaints were made with the adjuster or the manager, nothing improved throughout the process. The claim is coming to an end in a couple weeks and I can't be happier to not have to deal with BCAA again.

I had BCAA for several years, no claims, even got some loyalty points and all. But when I did have a flood in my kitchen. All things changed. I got a contracted claims adjuster that didn't even have my policy. Explained more about what I was not going to get than what I would. Even went as far as telling me to move into my tenants' apartment while they were evacuated. I think that is illegal. I have 2 dogs and 2 cats, that all was put on the policy. And now I have to get out because there is asbestos in the walls and I have nowhere to go. All the options I found for accommodations were turned down by the adjuster. It really don't look like they have any intentions to accommodate. Oh, and if you delay, they can depreciate or decline. So with that all being said you would be advised to look around, for me BCAA was not a good choice.

Bill

First, after being a long-term customer of BCAA, my home in Princeton was flooded. Thus, I called the company about all the issues, and of course, my claim was Denied! Then, to add insult to injury, they sent a renewal letter, as if I am going to Trust them again after being left in the literal cold. Finally, I see a TV ad by this corporation asking for money from Others, except them to aid flood victims. It is a ruse! Therefore, they need to step up and take care of their clients instead of pleading help from people who didn't pay the increasing rates for what should be BCAA's responsibility.

Denied a claim after leaving me waiting with water damage and unusable bedroom for a week. Said they wouldn't cover it after all as it was slow vs. fast leakage from a broken toilet - with no evidence. Said it was an exclusion that no one had ever told me about - when I got the policy or when I made the claim.

I have been with BCAA for 27 years and never had a claim. Last year I put in a claim for water damage and in the ceiling that bubbled up under the paint. They denied my no written follow up, no inspection for where the water came from. Pretty disappointed overall, especially when the adjuster made a big point about how he would be at church.