Portage Mutual Insurance Home Insurance Reviews

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.

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 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.