Independent Home Insurance Reviews

Cooperators Home Insurance Reviews

(33 reviews)
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Category: Claim Exprerience
(2.4 out of 5 stars)
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Overall pretty good

 
(4.0 out of 5 stars)
by BLS Apr 16, 2019
...Unfortunately, I have had several claims with the Cooperators. I have a condo and have had three very unfortunate water accidents in 13 yrs. The first two claims I had with the Cooperators, I would give them 6 stars out of 5 if I could. The adjusters were very polite and kind, very respectful and professional. Returned calls and emails promptly. Amazing... an A+. This time around, I have a claim still in the works, the original adjuster I spoke with was very polite and professional. Wonderful! However, the adjuster that was assigned to my case gets a C-. He doesn't return emails and seems mediocre and uninterested. Of course, my premiums and deductibles have increased, but that is the way of insurance... If it wasn't for the mediocre experience with them this time I would have to give the Cooperators a 5-star rating and would encourage others to give them a try. Thank you...
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Making a claim

 
(2.5 out of 5 stars)
by Phyllis May 16, 2018
...We have house insurance with Cooperators. We had very bad weather one day. Wind and rain in Windsor, ON. We woke up to our main floor family room with the floor flooded. We had never experienced this. We purchased the house 6 years ago. It ended up being a leak in the roof. We had no visible way of knowing this until the floor flooded and we exposed the wall. We made the claim and it was denied because of a seeping water clause. You pay so much money every month on time. You get insurance thinking they have our back. There always seems that they can deny you with the fine print. It's very upsetting. Why do you have insurance I wonder sometimes...
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Home insurance

 
(1.5 out of 5 stars)
by Fort mac May 13, 2018
...Had a claim for smoke and appliance damage in the Fort McMurray fire and they said my insurance wouldn't go up much but it nearly doubled from 3000 to 5700, what a joke of a company...
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Completely Incompetent!

 
(1.0 out of 5 stars)
by Still fighting for my repairs Apr 17, 2018
...I have been insured with the Co-operators for 5 years now and in 2017 I had to claim twice for water damage due to negligence from another unit in my building. Everything is fine when all you do is pay your yearly fee, but as soon as you need to make a claim, nobody will return a call or email, you essentially don't exist. Excuses upon excuses, lies, lack of communication, and "preferred vendors" are a complete joke! My repairs should have been limited to new bathroom and bedroom flooring, a small amount of drywall, and paint... I am now heading into the 1-year mark and I'm still fighting tooth and nail to have my repairs completed. Something so simple as using COMPETENT tradespeople seems foreign to them. I am on my 6th adjuster as all the ones before were unable to meet the requirement of DOING THEIR JOB, so I would be given a new adjuster when I complained up the ladder. Even trying to speak to a supervisor or manager is next to impossible. Word to the wise, stay FAR FAR AWAY from using this company. You and your home mean nothing to them but a paycheque, and once you require their services, they will try to deny everything, if you can even get a response back from them at all. The worst customer service I have experienced in my entire life, and I have been forced to re-insure with them as no other company will touch me with two open claims. Thanks for nothing Co-operators, you have been less than stellar and definitely do not live up to your name!...
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Water leak

 
(3.0 out of 5 stars)
by Playdough Jan 25, 2018
...I have my home,car and motorcycle insurance with cooperator for many year now. I when with this company because I'm offered a discount with them through my work. Witch I don't think is much of a discount in my opinion. I had a leak around my chimney and water leaked on to my tv witch I purchased for $1500. I only got to enjoy it for eleven day and by the time I notice the leak it was to late. I decided to make a claim. I figured why not that's why I pay for home insurance. After speaking to them and sending them picture. It didn't take them long to deny my claim I was told this kind of leak is not covered. I was disappointed with them. I've never made a claim before and aways paid on time. Its real amazing to me how insurance company's can do this to hard working people. I will be looking for a different company as soon as my policy is up. I will not be loyal to any of these companies anymore. I will shop around every few years to get the best rates possible...
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Too hard to deal with

 
(1.0 out of 5 stars)
by Leithann Jan 02, 2018
...Had a break-in up north in the early spring. We had theft coverage but it took three phone calls for someone to actually discover that. When they finally did admit we had theft insurance their excuse for not checking with the other calls was that most clients don't have on cottage property and the customer service agent I spoke to was new. We have never made a claim in 40 plus years but when we tried we were discouraged from making the claim. The reasoning: do we know what it will do to our premiums and how much they will increase and for how long?... We ended up NOT making a claim. After the cottage was sold I wanted to cancel the coverage on it and our home as I did not like the way I was treated. Even that was a problem, cancelling the cottage insurance was easy as we were selling but cancelling the house insurance... I told them the date I wanted it cancelled and the sales rep was trying to convince me to keep it until I had set up the new insurance. When I assured her I would not be without house insurance between her policy and the new one starting she still tried to keep me. It was like she did not trust me with my own insurance needs...
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Cooperators = Crooks

 
(1.0 out of 5 stars)
by Robert J. Sep 20, 2017
...I insured my home with Cooperators for 13 years because I had my auto insurance with them. Twice I had damage to my home that was caused by extreme weather, it should have been covered by my policy, but both times an adjuster was sent, my premises evaluated and photographed and then my claims denied. I then had to pay out of pocket for serious repairs, not knowing where to go I asked the Cooperators adjuster for a recommendation. I contacted the recommended contractor and ended up with poor workmanship, unresolved problem and a large bill. If you enjoy paying inflated rates and receiving no claims support, this is the company for you! Just be aware that when you find a better price elsewhere that gives better coverage, Cooperators will penalize you heavily financially for leaving anytime that is not in your renewal month. I recommend you go anywhere else...
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Are you a condo unit tenant? Remember that neither your condominium corporations' policy nor your landlord's insurance policy protects you as a tenant (3rd part liability, contents, etc.). If you do not have your own insurance policy, get your condominium insurance quote today.
 

Cooperators has been awful.

 
(1.0 out of 5 stars)
by papayapearls Aug 31, 2017
...Dealing with this company has become the absolute worst experience of our lives. They have stonewalled my parents on a home insurance claim for over a year now. And now, the damage to the home has gotten so bad that an engineer, we had to hire, because co-operators refused to do so, has determined the home is too dangerous to live in. And co-operators is even refusing to pay for my 88 and 86 year-old parents to relocate. They are being forced to re-locate without even knowing how long they have to relocate and at great expense, while trying to cope with the fact their insurance company has totally abandoned them, their home is cracking apart, and their health is failing. The lack of empathy or care from cooperators is exponentially unforgivable. Save yourselves from this kind of horrific treatment. Do not purchase any insurance product from this company!
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The do not cooperate at all

 
(1.5 out of 5 stars)
by Mike C Jul 26, 2017
...Instead of being there for me and providing insurance after a storm, they denied any coverage and threatened to cancel my insurance afterwards. I had a legitimate claim that should have been covered. It was bad enough they denied me, then they had the audacity to tell me if it wasn't fixed within a month, my insurance would be cancelled. I've been fighting with 5 different contractors to get this fixed and resolve and they will not empathize with my situation. Even though they know the process takes more than a month, they will continue to push you out the door. Do not sign up with these guys, they do anything but cooperate with you. Just another insurance company out to take advantage of you and care less when you need it the most...
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Great service

 
(4.5 out of 5 stars)
by The Buffer Apr 08, 2017
...Have been with Co-operators for many years and in different provinces and have been very pleased with the service. Had a 3 year review of policy and they have saved me some money. The Dartmouth office staff are excellent and very helpful. Last year had a home claim and could not say enough about the service and assistance. Excellent all around in time of stress. Would recommend to others...
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NO LOYALTY

 
(1.0 out of 5 stars)
by Cotte Apr 07, 2017
...I had a flood in my basement, luckily I could fix it by hitting the sump pump and it started again, so I prevented further damages. I only called insurance because I noticed puddles and I stressed it's under my floorboards. I've been waiting 4 hours for someone to come without even telling them I've fixed it from further damage... My house could be completely flooded right now and I still would have had to wait 4 hours. I have been with this company for 17 years and this is my first claim. So disappointed. NO LOYALTY!...
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Are you a condo unit tenant? Remember that neither your condominium corporations' policy nor your landlord's insurance policy protects you as a tenant (3rd part liability, contents, etc.). If you do not have your own insurance policy, get your condominium insurance quote today.
 

WORST INSURANCE COMPANY EVER

 
(1.0 out of 5 stars)
by Volk Apr 07, 2017
...first of all i had my home insured as vacant for about a year. I was repeatedly harrased by their staff over the phone and email, I was told me that they can cancel my policy because it was a high risk. Later when i changed my policy and moved in to my place shortly i had major flood. Without any investigation i was told I'm not cover because i didn't have alot of things in my apartment according to the plumbing company that came over. In conclusion i had to hire a lawer and spend tons of money and repair the place myself. Eventhough i ended up winning in courts it took almost two and half years to get any money back...
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Spy pictures of our house...

 
(2.5 out of 5 stars)
by Spy pictures Mar 31, 2017
...After a fierce windstorm damaged our roof in St. John's, it took three site visits and three reports for Cooperator's "preferred company" to do their job, they had to keep returning because their reports fell short, missing photos and measurements. Cooperators took underlay out of one of the many reports and told me it was not covered. I checked my policy, called the City and told them it was. Finally, I got a respectable roofer to do a quote and assessment.After 18 days of calls and e-mails, the adjuster sent me a nine-page report with six pictures of our house from many angles and measurement diagrams, then announced that the area of our roof was much smaller than that quoted by the roofer. It also was much smaller than that quoted by their preferred company. Turns out on page 9 of the report that the drone measurements are just the area, but substantial allowances of extra shingles should be made for risers, wastage, caps, valleys and so forth to actually do the job. I escalated to a claims manager and got the whole thing settled the same day. All this over a $5,000 roofing job...
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Did you know that Ontarians pay, on average, $47/month in homeowners insurance? Looking to change your home insurance or simply want ensure that you do not overpay? Our home insurance quotes are among the most competitive.
 

No customer service

 
(1.0 out of 5 stars)
by Burned Jan 10, 2017
...My house burned down a year ago. Have a clear cause that is not my fault and has been confirmed by the fire department, an electrician and insurance adjuster. Cannot get the cooperators to answer phone calls or return messages. The fire was a total loss. We could salvage nothing. Haven't received a single penny nor any form of communication. I will never use them again and will urge anyone else to rethink using them as well. If I could give them zero stars for a review I would...
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Awful service, just atrocious

 
(1.0 out of 5 stars)
by makeintosh Dec 27, 2016
...We had all our home and auto insurance with the co-operators for 35 years and have never had a claim on our home policy. We paid them $1,750 each year as premiums. Recently, a seal in our dishwasher ("water container") failed and caused a flood in our condo. Fortunately, I was able to contain the damage to hardwood flooring in an adjacent room and one sink cabinet. Total damage under $3,000 but they denied the claim. This was the first time, we needed this insurance company but they ran away - said it was a "slow leak" and therefore not covered. Too bad so sad. This was based on findings of mould under the cabinets. On investigation as we did the repairs, the "mould" was stains that are more than 15 years old, dating back to a water leak the previous owner had in the kitchen. I wasn't even sure that for the small cost of the repairs that I would even file a claim. However, correspondence from the adjuster on this claim bordered on rude and threatening if we considered pursuing this. Even if they believed there was an old leak, one would have thought they might have the common sense to consider the discretion of covering it anyway, given the small cost and the fact that the cause of "mould" could be uncertain. But common sense and discretion are absent with this company. Even a bit of politeness in correspondence might have gone a long way to retaining business. With this experience, I can never trust this company ever to be present if needed and have move all my business to another company. For the cost of less than 2 years of premiums, the co-operators has lost my business forever...
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Households in Alberta pay, on average, approximately $60/month in homeowners’ insurance costs. We can help to push these costs even further down. Get a house insurance quote today to start saving today. Rates start at $20/month.
 

Greedy Company

 
(1.0 out of 5 stars)
by PIT Nov 16, 2016
...Payment approved but on the desk on a person on sick leave. They have not kept my standard of living but systematically break me down every chance they get. Tragic situation made 100x worse by insurance company... These companies and the people they work for have no compation no morals just evil compay mandates to uphold SHAME ON THE ENTIRE INDUSRTY!!!!! T...
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