Peace Hills Insurance Home Insurance Reviews

I’ve been a customer for 5 years and never made a claim. Peace Hills Insurance (PHI) denied my claim for water damage in my basement. I was surprised to learn that groundwater from extreme rainfall is not covered under their “Water Plus” package. Water Plus is marketed as a “comprehensive water damage protection package”. However, surface water infiltration IS covered, and in fact, groundwater damage is covered as long as there is some surface water as well (seems like they’re splitting hairs here). Anyway, after my adjuster decided that 100% of the damage was caused by groundwater PHI denied my claim. I hired an independent inspector to dig through my walls for a second opinion which included actually going behind wall coverings (something the PHI adjuster did NOT do). This inspection produced strong evidence of surface water penetration in several locations (moisture meter showed the water was still present!). I spoke with a manager at PHI and informed him of this new evidence. He told me that PHI was unlikely to change positions even if I submitted this new report. He then questioned the competence of my independent, third-party inspector. I told him that his inspector could go to my house right now and see for himself, but the supervisor just continued to be unhelpful and refused to listen to my reasonable suggestions. Do not use Peace Hills Insurance, unless you like fighting email/telephone battles for days on end. The worst part, the representative who was managing my claim still has not contacted me despite numerous calls and emails. Do yourself a favour, avoid doing any business with PHI. Instead, donate your money to a good cause.