Cooperators Home Insurance Reviews

Had a flood in November. It's now June and they just started repairs and just paid my contents loss. My first adjuster had no idea what they were doing. Their 1st onsite restoration company is no better. It takes weeks to get a response by phone or email from either of them. Most of the questions I have are just ignored. Have to ask over and over up to 5 or 6 times to get any response weeks later. It took over 40 days to get a response from the adjuster in the beginning after I asked what was happening as no one was returning my calls/emails. I once was a residential adjuster with cooperators 20 years ago and the service I have received in 2021-2022 is absolutely abysmal. I'm quite shocked by the low service levels. If I could rate zero stars I would.

I had a flood in my home on March 14th. Called in was told this is a Sun so no one can help me until Monday. Was never asked about my family nor myself having anywhere to go. Monday phone again was told to send in pics and file out claims sheets. Did as I was told. Still not no concern. Had no stove. All appliances were damaged, asked about meals was told they cover 75% of meals and I would have had to buy grocery anyways and not to go overboard with ordering food (nice eh). When I finally got a settlement, I was given not even half of what my claims was for and told they are not just going to give me money as I may not replace all the things. So they will give me this money and if I spend more they may see about giving me the difference. This is my second claim in 22 years. If I could financially afford to pull my policy with these people I would in a heart beat. The flood was disheartening enough without this bull. If I could give them any lower rating, trust me I would.

They make it sound like they would take care of you but all they want is your money. The salesman makes it sound like Co-operators is the best in the world but do not be deceived. My townhouse was flooded twice in the same year by the people upstairs. Even though it was the tenants who lived upstair's fault, they will push the payments on you and make up a story that you have to pay first and that they don't go after the other tenant's insurance even though it was their fault. Then on top of that, they said when you renew your insurance, your insurance might just go up a bit. When it was time for renewing insurance, they dropped me and said they could no longer cover my insurance and told me to go look somewhere else. Poor customer service with a lot of attitudes. Never have I been angrier in my life. Was cheated by these joke. You will regret going with these fools.

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.

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!

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.