Portage Mutual Insurance Home Insurance Reviews

We have waited over a month to hear back on a claim, the first claim we have ever made, in 10 years of house ownership, on our two-story deck that collapsed. They just said a flat-out - no! We didn’t build this house, how were we supposed to know that 20 years ago, when they built the deck, that they didn’t build it properly. And now that expense is on us? After all the money we have poured into our insurance company and we have no right to any of it back. Shame on you greedy pigs. When the guy came out to look at the deck, he said: “well, it was all nailed in instead of screwed, but that’s just how they built stuff back then”. Point and case.

After being claims-free for over 10 years, we had roof damage due to a wind storm that affected 100's of homes around ours. The first call for some roof repair work was completed in a timely fashion but no further response to my inquiries on what they would cover on the damage for over 2 months. The lack of response also caused a further delay on having the roof work completed. It ended up with the neighbours around me receiving prompt full coverage replacement on their roofs. As for Portage, we only paid for the patchwork even though the patches were all over the roof and as the workman would walk to do the repair, other shingles were being damaged. We decided the 20 patches all over the roof would decrease the home's value and paid ourselves for a complete new roof. Portage then decided to increase our payments by another $100 per month, even though the home now should have been decreased with the structure being more solid. As this was a first-time claim and we had a shrinking deductible, the large monthly increase was a surprise.

The biggest crooks ever. I am a single mom, my house burned down caused by my dryer. Because I had a tent garage in my yard they denied my claim flat out after making leave everything that was salvageable in my house for a month while they made this decision to be robbed and destroyed more by weather.

They say they are competitive for pricing only because when you put in a claim they never want to spend a dime. I had a hail claim on my roof. In town everyone around me was covered by their insurance company. That obviously wasn't portage mutual - both my cars got written off and they look at my roof and say it doesn't look bad enough to cover and the shingles look old. What a joke of a company!

After a hail storm damaged my home in southern Alberta, I quickly learned that although Portage offers competitive rates, the coverage they provide in a loss is abysmal. If you are a customer who does not mind paying for insurance that will never deliver when you file a claim then this is the company for you. After paying my monthly insurance premiums faithfully for ten years, never a late payment or missed payment, when it came time for Portage to help me out they were hopeless. You will have to fight for coverage on every little piece of damaged material on your home, when you file a claim with Portage and then have it fixed in the absolute cheapest way. possible. This is how they treat there long term customers.

After the recent storms and winds in Winnipeg we had shingles come off the roof on two sides, the shingles were 15 years old, we called PM who we pay $4k plus a year to insure our home and was told we are not covered fully and they would only pay to get it patched. The shingles do not exist anymore and cannot be matched. When the roofing company, our Broker also told them it cannot be done all PM said was not our problem and only obliged to patch according to some sub rule, we was then told that if rain got in and did any damage we were not covered.
This is typical of insurance companies when it comes to having to fix or pay out, then we are told that their investments are down so are clamping down on claims, is that our fault? What do we pay insurance for if not covered for these accidents?
We are at present taking this further with the ombudsman to make Portage Mutual liable for the repair, that’s what we pay the cover for.
The inspector who came to check the damage will not answer calls, emails from us or our brokers. Scam comes to mind, BUYERS BEWARE, these are not very professional and I would not recommend.

Claim experience should be Zero. Currenlty suing Portage Mutual for 4 years: someone stole the copper pipe between oil tank and home. 4 others had same thing happen, same night and paid out immediately by their insurer on identical policy. Making documentary about the Bad Faith Insurance practices of predatory companies whjich operate without oversight in Canada. Need research for documentary.