Cooperators Home Insurance Reviews

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?

Agent from Co operators came to pre inspect my newly purchased house in Trenton, it had been renovated top to bottom, he was amazed at the fact that everything was new and immediately they asked for more
money to up the value, I was from another province and alone, sent the
extra money in and moved in, 2 weeks later had a giant flood, it seems a large hole was patched in the floor when a beam was removed from the renovation and covered with carpet, agent never came until 5 days later and severe damage was done, I was on my own and had to throw 1250 square feet of new carpet out, lost fireplace, shower and all rooms were with water damage, after I nearly had a stroke cleaning up the agent came and said its not covered and left. No warm and fuzzy feelings there! I had to call and have basement redone and then have a new renovation done, am now $40,000 in the hole, do not ever use Co operators in Trenton, Ontario. I was told just after purchase I had flood insurance by them.!

I'm renting my building out so I was able to get flood insurance as a business. After the recent Calgary flood that caused major damage a cooperators adjuster came unannounced while I was out and when I came back started telling me how old everything was and that it's hardly worth anything. He could depreciate everything by 75% etc. but won't do it and only depreciate 50%. Now, I clearly did not buy the policy to have only 25% of the building covered. Those are bully tactics and they are clearly not acting in good faith or are instructed to do so.