Desjardins Insurance Home Insurance Reviews

Do not get insurance through Desjardin! (The Personel). We had a protein fire in October and they have taken forever to do anything. 54 days+ with no work being done in our home. They have tried to make us move back in by refusing to continue to pay for our hotel expenses. Been staying in a hotel for 4+months. We have respiratory health concerns among others. This is no way to treat your clients. If you are currently with Desjardin... call for quotes and get out. If you are not, do yourself a favour and run!

I live in Gatineau, Quebec. I have insurance for my condo and when I discovered water coming up through the floor one evening, I was alarmed and took steps to deal with the situation. That included calling Desjardins the next day. The agent on the phone did not start a file so when I made a subsequent phone call the next agent was asking me why I didn't call sooner. After much hassle and delay (It has now been one week since my emergency) they have just e-mailed me and said they will not provide any coverage whatsoever to my damaged floors and furniture. Now I have to hire a lawyer to sue for damages. Is this what Desjardins stands for? Not being there when you need them? I suggest anybody considering this insurance company think twice. Also, put money aside for lawyers because you will have to sue for Desjardins to do what they say they do.

I don’t post very often, but I’m super pissed! Desjardins recently advised us that they would not be insuring our new house build anymore because IT IS TAKING TOO LONG… It is a larger custom home that has taken 2 years so far, with 5 months more to go… Not unreasonable for the size of this project… This has put me into a real predicament, as insurance companies generally will not insure residential properties mid-construction, only at the beginning… We found one that will, but at a crazy premium of $30,000 per year vs $5,580 that we were paying Desjardin since the beginning… and we have no choice but to do it… At no point did Desjardins ever advise us that there was a time limit to the policy until they sent us a notice of non-renewal… and when we ask them why we were not told this at the beginning of the policy, no one responds… Where is the time limit written in our policy? No one responds… There seems to be no consumer protection against shady insurance companies who pull stunts like this… There have been no problems on the job site, no accidents, no claims, no financial issues, no nothing... We have always paid our bills on time... We have been, for all intensive purposes, the perfect customer... I’m cancelling any remaining policies with them, and I hope others will too. As there is no consumer protection (other than auto), they can cancel your policy just like that too… This is not acceptable!

Every time I contact the adjuster to find out what updates about my claim. He told me - he will call back me. But this never happens. My claim was $15000.00 and he offered me $5200 for settlement. I refused and request to him for repair, which is still pending more than a month now. The adjuster is like a weak student, who is giving an examination paper.

We had a house fire in January. It is now June. Desjardins pushed us to get a contractor and permit from our city for the rebuild. Both done. They've had the claim 5 months - and still not assessment value, no payment, no rebuilding happening. Excuses have ranged from system crashes (really?) to vacations, to nothing. You can be sure they would not accept premiums being 5 months late. Caveat emptor. They are worse than horrible.

I am having the same issue with hail damage on my roof from Aug 2014. The claim adjuster has refused to replace the entire roof and is stating that only the portion of the roof that was damaged from the hail will be covered. I have had 5 different roofing companies tell me that the shingles are not made any more and are impossible to match. And the funny thing is, is that the part they want to replace has less damage then the portion of roof that is in worse condition. Same with my eaves trough. The lines will not match and the colour will be different. Just ridiculous. All 5 roofing companies have never heard of only replacing 1/2 a roof if the product is discontinued. I'm at the point now where I am going to have to talk to a manager and after that my lawyer. Desjardin Insurance definitely does not care about the customer.

The roof of my residence was damaged partially due to a hailstorm in August 2014. When I sent in a claim, at first, the claim was rejected saying that the damage was not due to hail. I requested for a second inspection when the claim was approved, although not for a full replacement of the roof. How can someone replace only a portion of the roof? Isn't this ridiculous? I tried following up only with cold responses.

I wouldn't recommend anyone to go with this insurance company

Unacceptable. You have a replacement cost policy. Unless it is a newer roof and can be matched, most companies replace the entire roof. On older roofs that are still good there are matching, color and toning issues. No one does this anymore. It is the cheap way out. You should have received a new roof. I recommend you call your lawyer if it cannot be matched. You should have been given a replacement roof under your replacement cost policy. Once again, Desjardins cutting corners. I wouldn't buy their product..