Homesite Insurance

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Cherisa of Upper Marlboro, MD November 11, 2009

I filed a claim in May of this year for Hail damage that was done to my roof. An adjuster came out and met with the roofing contractor and a check was issued. For whatever reasons, the roofing contracter became unreachable, so I had to start the process of finding another contractor. Needless to say, there was more damage done to the roof that the adjuster put in his report. I was only approved for a partial roof repair, meaning the back half of the roof which is absolutely ridiculous.

Meanwhile, the check had expired and I needed to have another check issued. In early October, I called to have the check re-issued. I was told to void the check and send it back, which I did, and a new check would be sent to me. Well here it is a month later and I have yet to receive a replacement check. I spoke with my agent 3 times and 3 times I was promised a check. I also called the claims agent's supervisor and did not receive a return call.

Tracee of Cuyahoga Falls, OH October 17, 2009

Thank goodness I'm reading this. I wanted to make things easier and switch my homeowners to 'Progressive' which is where our car insurance is thinking one payment and discounts but my pretty decent quote went from 844/yr to 1880/yr when they saw that we had 2 very small claims in the past 5 years. The second one was my stupid fault for even bothering to claim but geez. I'm glad now though because I wouldn't touch this company with a ten foot pole.

Stephen of Colorado Springs, CO October 7, 2009

The roof on my house sustained severe hail damage on or about 08/07/09 but not limited to that date as we had numerous hail storms over the past years. Homesite sent out an adjuster & after he inspected the roof he told me that it was "trashed" which I took to mean totaled. However, I believe his report was watered down because when Homesite contacted me they told me that only a fraction of the roof was damaged & they wrote me a check in the amount of 1441.15 less my 500.00 deductible.

I had four contractors look & give me bids on the roof & ALL of them told me that it is totaled. I have 20, high resolution pictures to prove it. When I tried to reason with them & try to get them to reconsider they have the attitude of "take it or leave it" & didn't even offer to send out another adjuster to take a second look. They even went so far in the last correspondence I have received from them to accuse me of insurance fraud. Talk about the pot calling you black!

Since I thought that this was a rather simple claim & because the roof was in such bad condition & winter is coming on I got tired of Homesite dragging their feet & had the roof replaced. I contracted the roofer that gave me the second from the lowest bid, which was still #3091.00 more that Homesite paid me before my deductible. Consquencly I had to pay 3618.00 of the replacement costs from out of pocket. I have a severe medical condition that I am disabled with & I am also retired on a fixed income. I don't want anything more that what is coming to me. I want them to act in good faith & stand by their polcy & nothing more. Thank you for your consideration in this matter & ANYTHING that you can do to help me with this will be greatly appreciated. Please feel free to contact me at the number I gave you if you need any further information.

Simon of Lincolnshire, IL September 14, 2009

On May 21st of 2009 I called to notify my homeowners insurance company that I had sold my house and it would close the next week on May 21st. I was told that they would send an overage check in the mail for the premium paid in overgage. My mortgage company also notified them that the property had sold at this time. I called today Sept 14th to find out where my check was. The company informed me they had no record it was canceled and that they would not be paying me an overage. The company is Progressive Home Advantage underwitten by Homesite Insurance company if Illinois.

Dianna of Aberdeen, WA August 15, 2009

I recently called to get a quote on my auto insurance and asked about adding my home owners policy to get the "deal" rate. The rep asked me several questions regarding the home. One of the questions that came up was "do you have dogs?" I responded with yes. He asked "what type of dog do you have?" I responded with "I have 3 dogs, a chow, a siberian husky/lab mix and a small mixed breed dog, chiuhahua sized." The next thing out of his mouth was, "sorry, we cant give you a quote, the cost to rebuild the home is more than the home is worth. Sorry, but I can give you a number of one of our affiliates that may be able to help you, here is their number."

Seems kind of strange that after providing the rep with the breeds of my dogs that they all of a sudden couldn't provide me with a quote because of the rebuild cost. However, after reading the posts regarding Homesite Insurance Group, I'm glad they couldn't insure me let alone quote me!

I have filed a discrimination complaint about the company and the dishonesty of "why" they could not quote me, to the Insurance Commisioner. I have also contacted the BBB for Western Washington regarding this. Out of all of my dogs, the only aggressive one is the little one, who will stand 20 feet away from you and yap! Before someone discriminates against an animal, maybe they should spend just a little time around it/them. I would like to know if ANYONE else has had this same issue.

Nikkie of Memphis, TN August 4, 2009

On July 24, 2009, a tornado came thru Olive Branch MS, and a small part of Memphis, TN causing strong winds to damage a large tree in our yard. Part of the tree fell hitting our air condition unit. This caused the unit to quit working completely. My husband Anthony called Homesite and was told that we would be contacted by a claims associate soon. We never got a call but a letter came dated for July 28, stating that a Nichole N. had been assigned to review our claim and she would be contacting us soon. Today is August 4 and we are still suffering without air. The temperature is 100 degrees in Memphis.

We called Homesite today and were able to speak to Nichole N. She said that she believed the damage was simple wear and tear and that we don't have a claim. My husband became upset when she said she had checked the weather in our area and that we were lying about the tornado. When she began to raise her voice, I took the phone and asked if I could speak to someone else possibly her supervisor. She said she did not have a supervisor and we could not speak to anyone else. She and I continued to go back and forth about the weather incident and she continued to speak harshly to me. I asked how could she speak to a customer this way and was our call being recorded? I was hoping it was being recorded so there would be proof of how she treated us. She hung up on us and I called back once again trying to talk to someone else who could help.

When I did speak to someone else I was told that Nichole N. had accused me of cursing her and if that was true I was going to be made a paper customer only. She explained that I would only be dealt with by paper only and not be allowed to call Homesite for any reason. This really hurt! But once again I asked about our call being recorded. If Nichole N is claiming I cursed her surely she has proof. At that time I was transfered to her supervisor and left another message and I have not received a call back yet. Now my husband and I are having to buy a new air unit soon. Im upset because we have been in our house five years and have never missed a payment with Homesite. My advice to anyone calling Homesite is to record the call yourself. They have people working for them who DO NOT think customer service is a priority. If there is anyone who can help us, we would like to hear from you.

Ann of Baton Rouge, LA July 25, 2009

On 5/60/2009 I purchansed renters insurance through progressive. I later found out the underwriter is Homesite. I paid my 1st month premuim and the company did an automatic withdrawal on my second payment. On 6/30/2009 my house was robbed, the alarm company notified the police, when they arrived they found the house in a ramshack, and the back door busted. I notified homesite's claim office, in which they said an adjuster would contact me within 24 hours.

The adjuster did contact me, but her attitude was not very nice (Christina H)she stated that I called several times and she does not work in the office and that I should be patient, for her to contact me. Well, ok, understood, I guess. She go on to ask me what happen, I give her the details then she states she will send me paper work, blah, blah, blah, but I must obtain a police report ect. All items I have no receipt for I must send packages items was in, pictures, etc.

Well, I followed her instructions and spent 36.00 mailing off all items requested. Since that time, I have not heard from the adjuster, Christina H, but coincidentally, did receive an letter of cancellation from the the company, stating my policy will be cancelled August 2009, and unearned premium will be returned after cancellation becomes effective. They also stated due to unfavorable loss experience during the underwriting review period they are unable to continue my policy of theft loss.

Well, I must say that this company is a real rip off. I have never know a company that would drop you because a theft took place and they hold the insurer responsible, so they withdraw the policy, the adjuster refuse to return your call to inform you of what is going on, the reprsentatives refuse to answer your questions, the claims department continually transfer your calls to a adjuster that likely erasing your voicemails.

Troy of Glendale, AZ July 23, 2009

My claim is similar to Cherise of Macon, Ga. I made what I thought was a simple burglary claim on May 20th 2009, I am writing this on July 23rd. I have received one written correspondence from Progressive/Homesite dated June 19th. They did not state that any other info was required and that they would contact me within the next 30 days. Nothing! I have since sent two e-mails with no reply s and have tried calling and can only get voicemail boxes and of course, no reply s.

I only went with this company because of Progressives' good reputation. What a major disappointment. I would never want to depend on this company if my house were seriously damaged, I cringe at the thought. fyi: Thought I would try one last time to talk to someone in management before I submitted this. I got someone with a serious speech problem that said he would send an e-mail to the manager and I should hear from them...In about two days. CLICK!

kara of fulton, NY July 1, 2009

All issues i raised earlier have been resolved and if possible-I would like to retract the earlier complaints that I made about the company.

Mark of Deltona, FL June 18, 2009

On April 21st I was helping my son-in-law and family move into their new home in Forest, Virginia. While I was inside the moving trailer on a ladder the boxes shifted knocking down the ladder which I was using. I fell approximately from four feet with my left side landing on the edge of the ladder which broke 4 ribs and injured my left kidney and bruised my left lung. The pain was excruciating to say the least!

I was taken to the emergency room of Lynchburg General and treated and released the next day. I do not have health insurance and was left with the total of approximately 6,000 dollars of debt thus far; this includes all the separate doctors' charges. The insurance company paid out 1,000 no fault medical coverage and denied that I had any liability claim. I am now in medical debt and do not have an income that can manage this debt (annual 27,000 net). The insurance company states that my son-in-law is not responsible for the accident because he had people helping him load and unload the trailer (others are guilty, no one is guilty). When he spoke with Homesite he claimed that he indeed was responsible since he supervised all aspects of the move.

He: 1. Rented and paid for the moving trailer 2. He loaded and supervised all loading 3. He unloaded and supervised the unloading process 4. He placed the trailer on his driveway which had a 4 or 5 degree decline (which contributed to this accident) 5. He supplied the ladder 6. He called for the ambulance 7. He reported this incident to his insurance company and stated to them that he was responsible in all areas 8. He purchased the insurance to cover this type of liability

Homesite insurance company judged that they are not going to help me pay the medical bills that were incurred beyond the no-fault 1,000 because the owner of the policy is not liable. They suggested the company which owned the trailer was liable. How sad is this industry? These are simply denial tactics for which they hope to be released from their obligations.

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