Cooperators Home Insurance Reviews

Please do your homework before signing the contract. Carefully. Buyer beware. Look at all your options prior to purchasing

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!

After only 1 year of being with Cooperators, they increased my premium by 15%! Did my home increase in value? No. Did I add features or reduce my deductible? No.

I did lose my 5% "new signing discount" so that leaves 10% less. After calling Cooperators they claim it's because of "all these new features that you're getting." More likely, it's because you brought me in at a low rate and will continue to increase my annual premium by 10%. Could you imagine if public insurance/utilities did this?

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.

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!

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.

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.