Cooperators Home Insurance Reviews

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.

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!

first of all i had my home insured as vacant for about a year. I was repetedly 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.

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.

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.

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

I had a water damage claim that was not even looked at by adjuster, instead we got a contractor who took a lot of pictures and measured walls, cupboards, floor and even the stairs going to the second floor. The damage was outside on the back wall. The contractors said it wasn't covered which apparently they had decided before they came into our home. My question is why did they come?

Being a disabled mute really don't know where to turn my insurer paid for hail damage to the sliding , gutters and down pouts that the hail hammered. I had two hail damage Haag certified inspectors say there is hail damage to roof but yet the guy refusing my claim is only a 5 min drive away, less than 3 miles, who has never even came to inspect my roof is refusing my claim. I feel as i'm being victimized by Co-operators insurance, i got another Haag certified hail inspector coming by tomorrow. As of yet my insurer have refused to meet with any of the hail damage certified contractors I really do believe this Mr Unger character should meet with Jon S. since its only a 5 min drive. Mr Unger appears to be playing God just for the sake of making my life hell and forcing me to shell out nearly 10 thousand dollars out of pocket for damages that 2 inspectors that are hail damage certified have clearly stated. My contractor has offered to meet with Mr Unger, the other one rather not get involved since he worked closely with Co-operators in the past. However I got another coming tomorrow as I stated Mr Unger has not even viewed. I met him afternoon and he appears to think he can pick and chose what qualifies for repair. May I also note I have been a Co-operators insurance customer for nearly 40 years and that several homes on my street have had their roofs covered by insurance ... We will see if Mr Unger agrees to meet with my contractor which, I think, is within reason.. Perhaps, a news story about how the disabled are victimized over and over by the insurance industry is long overdue... I will keep you all updated of this process.. You would think the honorable time for Co-operators would be to at least have their adjuster meet with my contractor on site would you think so.. but, no, he rather sit 3 miles and denied my claim rather than take time to travel the whole 5 mins to inspect the damage his self with my contractor... Regards, William Berry

As if we haven't been through enough cooperators is putting Fort McMurrians through round two by being unfair to their clients to save money. Yes I know, hose the client and you save money. Thats how insurers do it.

One good thing that has come out of the natural disaster is we get to see what insurance companies shine when it comes to claims. Unfortunately my "premium" home insurance with cooperators doesn't even come close to what other insurers are doing for their clients with basic coverage.

First off, don't call us we'll call you. Terrible service. You can leave voice mail after voice mail and get no response. For 3 weeks. I know their busy but thats not my problem. They make me pay my premiums on time so they should be there for you.

When they did get back to me I was nickle and dimed so bad I feelt used and taken advantage of.

Loss of Use: I did not have $150 a night to front for a hotel so I had milk off of family and sleep on a sofa for 8 weeks. My policy will pay up to $78,000 for loss of use but since I could not afford to pay for the hotel out of my pocket I'm getting reimbursed $7 a night....yes thats right $7 a night since I stayed with family. I cant even buy them dinner as a thankyou
Smoke damage to contents: Upon returning home my house has severe smoke damage. They offered me 3,900% less than TD's standard no negotiating rate. I feel used, abused and taken advantage of.

Long story short, with 50,000 people making a claim at the same time for the same loss people talk and the truth come out about who is the best and who treats their clients like scum comes out.

TD: comes out on top. They have been more than fair with their customers. If you don't want their cleaners they will pay $82.50/hr which is the going rate for a cleaner. They were also pre-paying for hotel rooms for their clients. Emergency evacuation cheques of $3000-6000 depending on family size were handed out ASAP or as direct deposit. Smoke damaged clothing and bedding is paid out at the drycleaners rate of $400 per bag

AMA: middle of the pack. From what I hear their payouts for loss has been a bit of a struggle but if you put up a few stern fights you will get an ok settlement and have to accept some loss to damaged goods. They wont see my business from what I've heard.

Cooperators: After fighting for 5 weeks they are willing to pay you $15/hr to clean your home (I wish I had TD right about now). Emergency Evacuation cheques were $5000 for a family and it took 7 weeks and a lot of phone calls to get us the money. Apparently they dont have the technology to wire you the money like other insurers. Little late now, I could have used a place to sleep and maybe some food... Smoke damaged clothing and plush toys being paid out at $10 a bag to get drycleaned....good luck with that one. (I wish I had TD)

AVIVA: Well...... If I had aviva I would be crying myself to sleep at night. I thought Cooperators was bad....Yikes. The company is telling people to save receipts and they will decide if they will pay. There is no point in paying for insurance if when you go to make a claim the company has no money to pay. Where did their clients yearly premiums go?

A message to cooperators: I have been a client for 40 years. I pay you $8000 a year in premiums. In the 40 years I have never once made a claim. Now when I need you the most after being evacuated for 5 weeks with the clothes on my back, no shoes, no wallet, no ID, no food, $8 dollars in my pocket and this is how you treat me? Thank you..... really... thank you.

I have been with Cooperators for many years, both with contents and strata policies. The level of service I have experience resulting from a burglary last year has left me looking for another insurance company! Not returning calls/emails, insisting I use both policies and pay both deductibles for the burglary, expecting me to live upstairs in my house while they remove my kitchen and replace the damaged floors (from broken glass) and providing NO process I can follow for this claim have left me frustrated and angry. Never mind the fact that the premiums have gone up 60% in the last four years! Really Cooperators, you can do much better than that!