Our Charity organization was insured by Intact for 16 years with no claims and each year there was an increase in premiums. Last year we had a claim for ice damage to the eavestrough. The estimate ($6000.00) by the Intact approved roof inspector was twice the amount of a local contractor. We chose our own local contractor and the settlement offered at 1/2 their their own estimate. The next renewal cost was increased considerably. We were told by the broker that this is standard practice with a claim. So much for due diligence for 16 years and then one $3000 claim.
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