BCAA Home Insurance Reviews

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

BCAA assigned a third-party adjuster to my Fire loss claim. Within 2 weeks of dealing with this private company, I was continually harassed to get my statement of loss in and if I had found a new place. The individual even went as far as to tell me how much I should spend on my alternate living accommodations.
I bought my policy through BCAA not to be passed off to a third party. BCAA should do a better job at vetting the contractors they use to deal with their clients.

I had my basement and have a claim and it needed to be gutted and they kept having miscommunications when they accidentally forgot to tear up a floor when they accidentally forgot to tear up the bathroom when they accidentally forgot to tear up the cupboards when they accidentally forgot to do a number of other small things and it was always excused after excuse and my basement has sat torn apart going on for five months now and they have not moved or done anything about it and nobody is getting back to me …

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.

I have been a BCAA member for seven years and decided a few years back to use them for my home insurance. That was a mistake.
BCAA are easy to deal with until you need to make a claim at which point they send you down a rabbit hole. You are left to deal with a dreadful organization named ClaimsPro whose only incentive is to minimize the claim and maximize their own commission.
As soon as a claim is smitten BCAA NO LONGER WANTS TO KNOW YOU.
My policy expires next year, I WILL NOT BE RENEWING.
If your insurer uses ClaimsPro and does not have its own adjusters I suggest taking your business elsewhere.

When I first signed up they did not mention anything about a cancellation fee, none of the documents I signed mentioned a cancellation fee either. I'm going through the emails they sent me and there is nothing in there. I'm going to dispute this con with my credit card. Also, they have long wait times on their phone lines.

The added on a bunch of unneeded and unoffered extras to my initial quote without telling me. Made it seem like their "discounts" would be coming off the quoted amount however they were already factored in. Didn't email me the quote as promised. Charged my credit card before I agreed to their terms. Spoke with an assistant manager and manager and both seem to be in on the scam and it took six phone calls to resolve, but I finally got a refund and took my business elsewhere. Bottom line they are out to rip you off at every turn, I can only imagine what a nightmare ordeal it would be if you actually had to deal with a claim through them!

We have been with BCAA for over 25 years and were shocked at the number of mistakes in our policy declaration when we last renewed. Items that had been removed in previous years mysteriously reappeared (sometimes from 4 years ago) and much of the information was just plain wrong. At one point we thought they were looking at someone else's policy. It was very unsettling when we looked in detail at the info they had for our house. Thankfully we have never had to make a claim. The other troubling thing is the soft credit check that is now mandatory with the excuse that it can save us money. No one has been able to explain to me exactly how that works. I believe they are just selling our data somewhere. They only seem interested in selling you insurance on as many different items as possible. I would never recommend this company to anyone.

After being a BCAA home insurance customer for nearly 30 years, our home was destroyed in a fire. ( BCAA contracts out it’s adjusting to a 3rd party in our area.). We had full replacement insurance for our contents. Our experience has been poor, especially in the area of getting reimbursed for our contents. Without rhyme or reason, they will pay for some things, and not for others, even if such things are on our schedule. We have submitted detailed purchase details as requested for items (same “like, kind, and quality” as we were instructed), including receipts - only to have many not paid for with no explanation. We often don’t get replies to inquiries for several weeks, and tried contacting the assigned BCAA “examiner” for assistance when we were being stonewalled by the adjuster. No help what so ever. Home restoration - BCAA has not held the restoration company accountable to the timeline they promised (we were given a choice of 3 different restoration companies and told that we had the “choice“ to select one, but that BCAA would only go with the lowest bidder). The restoration company we chose proposed a timeline that would have us back in our house 6 months after the home was destroyed. We weren’t back in for almost 17 months. The insurance company has no problem holding it over your head (as a claimant) that you must keep your purchases to a “reasonable” minimum (we were even coached to look for replacement contents at a garage sale. Yet they are not willing to hold a restoration company accountable to a timeline, even though it is costing the insurer thousands of $$$ in additional living expenses to keep us in rental housing while out of our home. I wish that I had engaged a lawyer from the beginning, but being naive, I thought that BCAA would be truly there to help us and that the adjuster was on our side. In hindsight, I should have engaged a lawyer's assistance immediately. Would not recommend this company at all.

Terrible service for Home Insurance. Moved and phoned to change my address, because there is no option to update a policy online. Was put on hold due to "high call volume" and requested a call-back... twice. Never received one. Also submitted an online request form and was told to call (again) or visit the nearest BCAA office (Cambie). Visited the Cambie location and waited 20 minutes only to find out they require a certificate from the city for my (rental) building regarding electrical or they would not provide coverage. Instead of spending more time trying to track down info and follow up with BCAA representatives, I cancelled my policy... and was charged a $30 cancellation fee. Do not buy home insurance here!