I heard so many stories about insurance companies trying to worm their way out of paying out … it is, for better or worse, just a business.
We lost everything we own and our apartment burned down. The Co-Operators did not try one bit to worm out of anything and actually were really good to deal with. Every detail that was in our policy was covered 100% no questions. Things we didn't even know about in our policy were covered without hassle.
Of the 42 units in our apartment building I think there were 5 insurance companies holding all the policies. Some did certainly try to worm out of things, years after we were done dealing with ours we heard some people are still fighting with the couple problem insurance companies.
I'd recommend anyone with Intact do themselves a favour and look at another provider.