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  1. #21
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    Ours went down leaving intact for cooperators but to be honest, i'd rather pay a bit more for customer service vs what you get from rsa/intact. Jus worked out in my case that cooperators was cheaper and I receive wayyyy better service.

    Touchstone for the most part were good to deal with and treated me quite well. The only issue I had with them, and this wasn't their fault was that RSA/Intact was a terrible experience, period.
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    Beyonder guessboi aka ray from 1-up has been very helpful if you guys wanna google email him for auto insurance broker

    I found TD auto to be really good too everything online ez pz
    Conversations like this can be intense.

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    I was with 1up for years, found he was great for basics. I am going to try him for a quote again as I'll be back on two cars with liability.
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  4. #24
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    I'm with Touchstone myself as well, and I don't really have any complaints myself, but I have been dealing with Mammoth Insurance for my course of construction insurance got my new house that Touchstone was not successful in finding an underwriter for, and Mammoth did, but not really sure how they are for anything else. The guy I am dealing with at Mammoth (James Clark) has been super helpful and quick, but not sure if he does anything but the commercial side of things, as his title is a Commercial Account Executive. I got this recommendation from another guy I met who is building his own house and also had issues with getting course of construction insurance, and very happy with their service.

    Please update us on what you find. I do get a feeling that RSA/Intact are the only things really offered by Touchstone, and I have had to make a few claims over the years without issues (once with Intact and twice with RSA, but I think they were already owned by Intact at that point). Once was a car accident (not my fault) and they fixed things up nicely, and the two were for both my parents and I for the hail storm last year.

  5. #25
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    Quote Originally Posted by eblend View Post
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    I'm with Touchstone myself as well, and I don't really have any complaints myself, but I have been dealing with Mammoth Insurance for my course of construction insurance got my new house that Touchstone was not successful in finding an underwriter for, and Mammoth did, but not really sure how they are for anything else. The guy I am dealing with at Mammoth (James Clark) has been super helpful and quick, but not sure if he does anything but the commercial side of things, as his title is a Commercial Account Executive. I got this recommendation from another guy I met who is building his own house and also had issues with getting course of construction insurance, and very happy with their service.

    Please update us on what you find. I do get a feeling that RSA/Intact are the only things really offered by Touchstone, and I have had to make a few claims over the years without issues (once with Intact and twice with RSA, but I think they were already owned by Intact at that point). Once was a car accident (not my fault) and they fixed things up nicely, and the two were for both my parents and I for the hail storm last year.
    Yeah i talked to my broker at touchstone today and he said the only other option he has is pembridge who has overland, but it's only 30k, and it also limits sewer backup to 30k, where intact is policy limit for sewer

    So i am going to be shopping around myself looking for the coverage.

    The fact that they wont let me have it (at any price), tells me they know i will need it, i hate insurance companies, they'll all slimeballs.
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    Got our August renewal papers. Insurance went down surprisingly. I don't think I have to worry about overland flooding, but I will need to add the basement soon since it's complete minus the bathroom...

    Have combine Home + Auto through Intact through a broker (had Wawa previously but premiums on the new F150 were ridiculous through them).
    Originally posted by killramos
    It's a Chrysler, it won't last long enough to depreciate.

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    Switched to a broker out of Red Deer as we'll be closer to that area at the new place and as Intact was quoting almost ~$900 a month for home and auto for the new property.

    Oddly enough the new brokerage I used is called Beyond Insurance but super good customer service and were able to get us much much much better rates.

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    Sounds sketchy af
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    fact.
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    guessing who I might be, psychologizing me with your non existent degree.

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    Quote Originally Posted by killramos View Post
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    Sounds sketchy af
    Do you reckon it's run by them Asians?

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    I heard they only insure cars with 700+ HP. And red interiors.
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    Quote Originally Posted by killramos View Post
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    I heard they only insure cars with 700+ HP. And red interiors.
    Plates must have 8's.

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    I'm moving to a new house, and my insurance company that I've been a customer of for 10 years won't insure our new house, because the roof is older than 25 years.

    Now shopping for a new insurance company.
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    Most companies won't cover the full repair cost, there are some like Pembridge but most have a depreciation factor starting after so many years (10, 15, whatever). At that age it'll be maybe 20-30% covered for the repair cost. So depending on your deductible, might not even be with going through insurance at that point.
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    I'm not even concerned with making a claim, I just want coverage to be able have insurance to get a mortgage.
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    Quote Originally Posted by cidley69 View Post
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    I'm not even concerned with making a claim, I just want coverage to be able have insurance to get a mortgage.
    Sounds to me like you made a typo and the roof is actually 2.5 years old.
    Problem solved.

  16. #36
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    25 year old shingles or metal roof? If shingles you might need to see if your broker can find someone who will bring you on with the agreement of replacing the shingles in a certain time frame after you take possession. Some companies are stricter towards certain aspects, poly-b as most people have experienced some we straight up won't cover, some don't care or some will require you to change it over to pex.

    Intact would cover the full cost of a roof claim of the shingles were 5 years old or less, then from there you'd be responsible for 5-10% for every year after that and the deductible as well of course. I Forget the percentage breakdown.

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