Homesite Insurance

I got Homesite Insurance coverage three years ago when we bought our first home to bundle it with my Progressive Car Insurance Policy. I made my first claim on our roof after a hail storm hit the area last month. Within about a week, the adjuster came out and recommended roof and gutter replacement along with some minor repairs to other items that were damaged on the property. Things seemed fine until we got the paperwork back from Homesite. There was a $1,500 non-recoverable depreciation on the roof. When I spoke with a contractor, he said that seemed really high for the condition of the roof and suggested I call them to try to get this adjusted.

So I called and talked to my claims adjuster and was told this non-recoverable amount was based on the age of my roof and this was part of my policy and then gave me the number to customer service to talk to an agent. So I called this number and apparently, this was an amendment to the original policy that I signed up for and the changes were made last year. So, if the house had been hit last spring, I would have gotten the $1,500 in addition to what I'm getting paid out today.

What's crazy about the whole thing is that there was no option of opting out of it and getting a different and slightly higher premium policy. This was just letting me know how they were going to screw me over in the event of a future windstorm or hail that caused damages to my roof. So now, my goal is to find the cheapest possible option just so I don't incur a great deal of out of pocket expenses instead of getting a quality shingle with a highly reputable contractor. I am almost hoping that I get another hail storm within ten years just to stick it to them next time. But maybe by that time, they'll change the policy again.

It takes several calls from me before I can get a call back from the adjuster on my case, when his answering machine says that any call before 3:00pm will receive a call back that same day. This never happens for me; only after several calls from me do I get to talk to him. And it seems to me that getting my case resolved is going to take forever and I'm so sick and tired of trying to chase him down. Then he has me working with this lady, Allison, that works for this jewelry replacement company, that is also bad about returning phone calls, but not as bad as Matthew **.

It seems that I will never be finished with her. She won't admit that she can't find the exact replacement necklace and bracelet for me but she continues to send me pictures of nothing close to what I lost or shipping via FedEx sample pieces not even close. This is a nightmare that seems like it will never end. They should settle and allow me to shop for it in the city I live in so we can get this case closed.

Update on the report of January 4, 2011(?): I noted in a previous discussion our dissatisfaction on dealing with Homesite for a "smash and grab" to our car. In an update, I had noted that Homesite (Yvonne) was taking forever on resolving the items that were stolen. She was insisting on original receipts and then failing to note that, for example, a pair of eyeglasses involved both lenses and frames.

Yvonne decided that we had filed a "fraudulent" claim. In the example of why she thought this was fraudulent, it was noted that we had given her the wrong receipts and that I had claimed my glasses as stolen when in fact it was my daughter's glasses involved. She therefore claimed that I was fraudulently claiming items that were stolen.

Yvonne, I don't wear glasses! The only person in our family who wears glasses is my daughter. Just because the insurance is through my work and in my name with my daughter as a named dependent, it does not mean that these glasses were mine and I had lied to report these as my daughter's. And just because we are trying to scramble and find original receipts like you demanded (or a power cord) and gave you a wrong receipt, this is not fraud.

I again complained to Homesite. This was our 2nd complaint about Yvonne. The first involving her total lack of service, her failure to return calls, and her failure to complete the claim by the date she had promised in writing. Guess whom Homesite had have review the 2nd complaint? Good old Yvonne and her lazy supervisor. This time she not only falsely claimed I had made a fraudulent claim, she threatened me and said she was going to the district attorney.

Oh my god. This lady is nuts! Do not complain about her. She will get even by making these threats to you and cancelling your claim. So we never got reimbursed for the glasses or other items stolen. I complained to our state insurance commissioner. They said they couldn't do anything since Yvonne claimed we put in a fraudulent claim. I'm boiling mad!

Humiliated: Claim procedure and treatment - I had reported stolen property and vandalism occurring at my secondary residence ** PA 16510 to the Wesleyville Police Dept. 8/29/2011. After, much reserve, Progressive determined that by law, my items at the secondary residence could be covered under my current homeowners policy due to the fact that I spend the several nights a month there. However, I did not claim the damage to any real property, only personal items. It was not until sometime in January 2012, did Progressive assign an adjuster to my claim. During this process, the agent, Mr. ** complained of a communication problem and not being able to reach me, although I had given him both my home phone and my cell phone numbers for his convenience.

My cell phone and home phone records will indicate, I did return calls to Mr. ** timely fashion on his every attempt. However, Mr. **, sent to me on a weekly basis, at least three letters stating his intent to close my claim for my lack of interest in the matter. He had told his supervisors of this problem of communication, phone records, like I said, will prove that Mr. ** is not telling the truth about his attempts of contact and lack of interest. Our phone contact was frequent and my responses to Mr. ** request were timely. As he requested receipts from a waterbed, purchased over ten years ago.

After inquiring to his supervisors, as to the exact qualifications of such an inspector and the procedural advice on locating a person with such credentials, an adjuster called me soon after and arranged to meet me to audit the loss and vandalism claim.

Mr. ** supervisor, stated to me that she spoke with my son, current resident of my home. She stated that my son contradicted my statements given to Mr. ** and that my bed was not in fact my bed. I waited 1 hour past the adjusters scheduled appointment with me. To accommodate him, out of respect and I desire of closure, I waited for the adjuster to arrive. An enormous inconvenience since I had errands and tasks complete before the close of business that day. The adjuster finally arrived, without identifying themselves, entered my home. Another man started taking pictures of various damages to the house, walls, cupboards, including property damage that was not part of the claim. I found that to be highly inappropriate and very invasive of my privacy rights since the damaged doors had no bearing on the claim.

would be returned to me in a few days after the adjuster had copied them. I reluctantly gave them to him, as I thought it was a procedural process for a claim. The two men stood over me while I signed some formal documents, they stated they were part of the claims procedure.

Days went by with no word and no sight of my receipts. I called Zachary ** and asked about the return of my receipts. I spoke to his supervisor and expressed my displeasure with Mr. ** demeanor towards me and with their procedure handling my claim. I received most of the receipts in three days following that phone call. Several receipts were not returned. I called Zachary ** immediately to inform him of the missing receipts. Mr. ** scolded me for giving the adjuster the receipts. Mr. ** informed me that the adjuster had no authority to request the receipts and that I was at fault for giving the receipts to the adjuster because he was a contracted third party and not an actual employee of Homesite. I had no response for his reaction. Mr. ** shamed me and intimidated me, inferring that I was just plain stupid.

I assumed that he was there representing Homesite Insurance Underwriters. I did not know the procedure for Homesite, nor did I realize that the adjuster was an independent contractor simply acting on behalf of Homesite. Had I known that he was going to take my belongings and not return them, I wouldn't be writing this letter right now.

After all of this commotion, Mr. ** still requested an inventory of my loss, which I assumed was the reason behind the adjusters evaluation. However, I needed to complete a list as well. I did so and submitted it. Mr. ** then calls me on my cell phone at school and asks me to restate the listing of the items on line three of the inventory list which I had mailed about a week prior. I told him that I did not remember and was not in a position to answer or verify any questions about the inventory list until I could see it. He insisted on my knowledge of the items on the list even though I had no idea, being that, I did not have a viewable copy to refer to. Mr. ** e-mailed me a copy and I promptly answered his question regarding line three, a Sony Cyber Shot Camera. He then called me the following day stating that the entire list needed to be restated to him. He stated that my handwriting was illegible. I then told Mr. ** to simply communicate with me only by mail, as I don't always have access to a computer or a printer since mine was damaged and/or stolen.

About a week passes and I receive a letter in the mail from Mr. **, a letter of determination, stating that three items on the list were not going to be covered because I could not prove ownership. He obviously found a way to decipher my handwriting without me having to type it out for him. Again, it appeared that Mr. ** was deliberately inconveniencing me and controlling me with his position of power over me, due to the fact that he was handling my claim the way he saw fit. Mr. ** insisted on proving his authority over this claim as proven by his continual threat on closing the claim. Is that not a form of sexual harassment? An attempt of intimidation and empowerment?

Enclosed, you will find a copy of the letter Mr. ** sent to me identifying that a receipt is proof of ownership. I gave the receipts to the adjuster who did not return all of my receipts to me. The adjuster even took photos of the smashed Gateway Computer tower, conveniently, one of the receipts not returned to me. The other receipts given to the adjuster had printed on the itemized receipt, X 360. Again, a receipt not returned to me. Yet, I cannot prove ownership with a photo, since the game was stolen. Lastly, a Sony Cyber Shot Camera, again, a receipt not returned to me and that receipt clearly stated the item purchased was a Sony Cyber Shot.

Now, quite honestly, I cannot remember the cost of the items I am referring to, due to the medication I am prescribed for Post Traumatic Stress Disorder. The medication affects my memory. So, like the insurance company, I too have to refer to the receipts of the items missing. I expect that more items were taken, I just cannot recall due to lost, misplaced or receipts not returned to me. I can however, return to Best Buy, where many of the items were purchased and they can pull records under my husband's name regarding the two of the transactions in question. The receipts are on file there. Again, another attempt by Mr. ** to inconvenience me, taking up time and gas for a 25 mile trip into town for copies of receipts which I already once provided to the adjuster. Mr. ** from the offset, was confrontational with me, but not so with my husband. I assumed he simply had a disdain for women or did he just feel the need to show his muscle with me?. When he told me I had to have a certified waterbed inspector, I thought that was just over the top.

Now, after having a conversation with my husband today, March 22, 2012, Mr. ** informs us that he has no inventory list from the hired adjuster. Then please inform me the purpose of the adjusters visit to my home. Was the adjuster sent there and arrived late only to inconvenience me again? Mr. ** state that he has no copies of the receipts given to the adjuster, and has no itemized list of the depreciation of my items for settlement. As far as I am concerned, this claim must stay open until the receipts taken by their Homesite representative are returned to me.

I feel like I am being victimized again. Homesite and particularly Mr. **, seemed to consistently and intentionally want me to be made a fool. I have been disrespected and mistreated and insulted from the offset by Mr. **, with no regards for my loss or personal humiliation. I feel that now, Homesite and their representatives have stolen my receipts to portray me as dishonest and fraudulent. So, I ask you when does this humiliation and insult to my character and my personal abilities, from communication to handwriting, end? I would like my receipts returned to me. As far as proof of ownership of the particular item, a Gateway Computer, the adjusters took photos of the damaged tower. Thus, proving that I do own such a computer.

Enclosed, are copies of the receipts returned to me, a copy of my inventory list in my handwriting, a copy of the letter of determination and a copy of the letter from Homesite, stating what type of proof is accepted to process a claim. I did not even attempt to claim the numerous DVDs, Cds or Blu-ray movies stolen due to the lack of receipts. There were over 50 items of current title in my movie collection. I would like to see justice and closure to an already awful experience. I believe I have suffered enough loss. This experience over the last several weeks has caused an extraordinary amount of stress, anxiety and traumatized. I feel distraught and taken advantage of in an unfamiliar arena. I feel that is necessary for me to return to therapy and possibly a medication adjustment over this entire humiliating process from Mr. **. I cannot begin to express how overwhelmed and affronted I feel from Mr. ** treatment toward me and my entire situation.

I received my renewal home policy where the company has changed the reimbursement on the roof (tile). When I asked for a quote with full replacement coverage, it took a long time to get it and some clerk wrote that "this is the same type of loss settlement as in auto insurance. If you had a 2004 Lincoln Continental, would you expect your auto insurance company to pay for a 2012 Lincoln Continental?". I have a letter going to the CEO of the company and with the prior letters input, will follow-up with our State Insurance Commissioner. Needless to say, I am looking for other coverage with good customer service if I can't find great customer service.

I am so frustrated. I have been a customer since 2006, and yes, my premiums were raised each year but I thought it was because of all the claims due the disasters that occurred. But this year I almost had a heart attack when I opened my mail. My premium went from $1679 to over $4300 a year for my less than 1200 square foot house! Really? Let's just say I am definitely leaving them behind. I don't care what the reason is. Not that I can get anyone to return my calls or emails. That is absolutely ridiculous. What a horrible company.

I recently switched my homeowner's insurance over to Homesite (Progressive). I thought this was the greatest thing ever since they gave me a super low rate. Just yesterday I received a check in the mail for my premium. I was completely shocked. I called the company and they told me it was because of "debris in my yard". Uh, there are a few sticks (I am not kidding) in my yard. It is ridiculous. Further, there was no formal communication. I was being dropped. I was told once I clean up "my yard" they would be happy to "re-quote" me. Personally, I think it's a scam so they can charge more of a premium. I have formally put a dispute in with the Insurance Commissioner of Connecticut and I am getting re-quoted now from my former company. Glad to see I am not alone, but if you are reading this stay away from Homesite!

Long story short, my husband and I bought our home early last year and the terrible storms that came last spring tore up our roof. Homesite, the underwriters that Progressive uses, refused to help us, lied to us, and provided horrible customer service! The adjuster, in front of multiple witnesses, stated he was recommending full roof replacement. Homesite turned around and said that was not what he recommended and they weren't going to do anything about it.

We filed a BBB complaint and they continue to lie. The rep we dealt with, Ruby **, told horrible lies and would not return phone calls until we demanded a supervisor contact us. Do you think Progressive has even attempted to help either? No. We should have done our homework and read up on all of these complaints on these companies because it's awful! I will make sure I spread the word. However, they are now telling us if we want to go any further, we have to pay for arbitration. This is ridiculous! We paid for a policy to protect us and they are not honoring the service and plan we paid for.

In October of 2010, a water line busted and flooded the basement of my home. During the claims process, two different adjusters were assigned to my case. The first one, Laura **, resigned after a few weeks and left the company. Later, Jay ** was assigned to settle my claim. The short version is that I have been waiting approximately 10 months to receive a response to my objections regarding the personal property claims. At first, Mr.** wanted me to hold off due to the amount of claims from the tornadoes that hit last spring. I patiently waited and for the past several months and have not received a response. Since the damage was caused by the negligence of the Cherokee County Georgia, Water and Sewer Authority, one would think Homesite Progressive would want to subrogate the claim at the earliest possible time. However, this cannot occur until the claim is settled from my standpoint.

In the past, I've had to deal with insurance companies in the claims process on two occasions. This involved damage as a result of Hurricane Andrew and tornadoes that hit the North Georgia area in 2006. The coverage I had on those occasions was with two different insurance companies other than Progressive. I must state the claims process went extremely well in the other two occasions and my experience with progressive has been disastrous, to say the least.

I believe I have been extremely patient and if I do not hear anything within the next 30 days, I intend to file a complaint with the insurance commissioner's office for the State of Georgia. Furthermore, I am in the process of developing a website on Facebook and other social media forms to warn people about the lack of responsiveness by Homesite. I personally view Progressive Insurance and Homesite claims processing as a disadvantage.

I just received a cancellation notice on my Rhode Island house insurance from Homesite Insurance, Boston MA. In Feb. 2012, I switched to Homesite for the first time. They made me pay the first premium by check over the phone, and then they cancelled. They claimed there were trees overhanging the house, that's not true. They also claimed there is moss on the roof. They must have gone up there with a magnifier to find that, and other nonsense.

After reading customer complaints, I'm glad to learn that they are very difficult to deal with. I will find another insurance company, cancel my car other house policies with Homesite, and file a complaint with 'the Commissioner of Insurance in the State of MA. If everyone has had an experience like this, file a complaint with the Commissioner of Insurance in the state where the insurance company is licensed, and things will change. It worked for me once before, with another insurance company who was doing me wrong. Good luck to all of you who are dealing with greed.

I filed for insurance on the home I had purchased in December of 2011. After going through the headaches of their awful customer service, I managed to get insurance on the home. My wife and I moved in almost the following week and less than two weeks later, I got a letter in the mail saying that my insurance was being cancelled. The reason was that my roof shingles were curling (roof is new as of April 2011), a tree branch is hanging over the home (neighbor's tree that I can't touch), and the paint was peeling.

If these were actual problems, there isn't a single house on the street that can actually be insured. I didn't even bother calling Homesite after the headaches of getting a hold of them the first time and I am now working to find a different insurance company. The only bright side to this is that I now know that I am not alone in this nightmare and that others are going through it as well.

I purchased a home in 2010 and was given a quote prior to moving in, but found that bill to be 20% more than what I was quoted. After 5 calls over the next 18 months, I was told something different every time, including that I was to receive a rebate check for the error. The final call resulted in the operator talking to a supervisor and telling me that the rate must have changed the 20% in the month from when I received the quote to when the policy went into effect. When I asked to speak to the supervisor, I was told he was busy on another call and was told I could not wait for him. This is ** and I am changing my insurance provider today.

I purchased a homeowners policy through Homesite to go into effect 12/31/11. On January 23, 2012, I received a notice that my policy was canceled effective 02/04/2012. Their reasoning was that I have tree branches overhanging my house and the shingles are curling. The roof is less than ten years old and shows no evidence of curling. I have a tree in the front yard to a few tiny limbs are slightly overhanging the roof, but would not cause any damage whatsoever if they fell onto it. Put it this way, if the amount of branches I have overhanging my roof cause me to not be able to get insurance, than 75% of the houses in my town would be uninsured because everybody seems to have a couple branches over the roof.

They gave me only about a week and a half notice to find new insurance, which I did. I also have to come up with another year's worth of insurance while I wait for Homesite to refund me. Let's see how long that takes. The new insurance company said that Homesite's claims were ridiculous and that the trees I have should not cause any insurance problems. Judging by others complaints, this seems to be a common theme for this company. Everybody, avoid this company if at all possible.

I signed up for car and home insurance through Progressive.com in September 2011 and paid in full. Our coverage for the home insurance started on December 9, 2011. On January 17, 2012, we received a notice of cancellation in the mail stating that, the roof shingles are curling. Our roof is less than 20 years old. We are not experts, but we don't see any curling, and on top of that, it's winter in Iowa. We have until February 16, 2012, to repair the roof, according to the person we talked to on the phone. She also said that a manager would be contacting us soon. That was 4 business days ago or 6 regular days. We have heard nothing.

There was a little dusting of snow when we looked at the roof but when we think of curling, we think of actual curling that is noticeable even with a tiny bit of snow. From what I've read online, glue and adhesives cannot be used properly when the ambient temperature is below 50 degrees. The average temperature in Iowa during January and February is well below 50 degrees Fahrenheit. I knew it was too good to be true. As soon as this is settled, we are switching companies. I wish I knew about this site beforehand.

Progressive wrote us a homeowners policy with the home value coverage at $440,000, and a premium of $1,322 which was agreeable to us. With the renewal policy for 3-1-12, the coverage has been arbitrarily increased to $462,000, with a premium of $1,401. However, we have not filed any claims or made any changes to the policy. The Santa Clara Tax Assessor sent a notice reducing our real estate taxes due to the property value decline so that our home is worth $383,000.

We are deeply regretting the fact that we left State Farm, who, as I stated, never increased our premium in 6 years, with full replacement coverage on home and personal property. At this point, I am not only considering cancelling this policy and switching back to State Farm, but also filing formal complaints with several agencies.

The customer service has been absolutely horrible. The e-mails I have sent through the contact us form on the website have been ignored. The e-mail sent by the assistant to Progressive Auto Insurance CEO, Glen Renwick, was not returned.

I would like the home value to either be lowered to the $383,000 that the tax assessor states the property is valued at, or the $440,000 that Progressive/Homesite used on the last policy. I feel that it is simply being increased to collect more premium from the Insured, with no basis for raising the values. I guarantee that my home has not gone up in value an additional $22,000 in the past twelve months. It has gone down.

I will be filing formal complaints with the Department of Insurance, BBB, Consumer Affairs and letting all my friends and family know that Homesite is no longer an insurance company that I recommend.

Homesite (21st Century) purchased AIG. I was paying $550 a year for homeowners from AIG insurance, then Homesite raised it to $685 the following renewal year, then to $1183, then to $1246. Just received my renewal for 2012, and it doubled to $2540. I have had no claims.

That's it. I spent a few hours on the internet shopping around for other homeowners insurance, and I found it cheaper for the same coverage. Thanks State Farm! These Homesite underwriter folks just want to continue to insult a person's intelligence and think I will continue to be raped like that! No!

Our home suffered roof damage after a severe storm hit in August 2011. Front and rear shingles pulled up from the roof, some in sections 15'X20'. I called Homesite, and they send their adjuster without prior notice after I specifically asked to be present when the inspection takes place. Lo and behold, the adjuster finds only damage on one side of the roof. Then I received a check about 3 weeks later for what I'm assuming is shingles, as I can't find anyone to replace the rear roof for the amount they sent.

I guess I'm on my own dime for labor. I called back and asked for a re-inspection. There's no return call. I called back again, but nothing. After 2 months of voice mails, I finally get to talk to my desk adjuster, Jim **. I am informed that he was under the impression someone else was handling my re-inspection request. Finally, I got the re-inspection set up, and they said they can pay to patch the rear roof which will void the 30-year warranty of the shingles already on the roof.

I'll keep fighting until they fix what needs to be fixed. But I wouldn't wish this insurance company on anyone. The best part of all of this is my insurance rate almost doubles for the coming year, because home prices in my area are on the rise. They aren't; there are no homes selling in my area. How can prices be rising?

Very bad experience with Homesite Insurance (21st Century). We had hail damage several months. Upon contacting the claim agent Karlo on 5 different occasions we were promised a pre paid card. Today I again called and spoke with Karlo, and as he has told me 4 times before the card was mailed I explained it had not been received. He proceeds to ask for my personal banking info. I refused. Again he claimed he will not personally mail the prepaid card, another company will. Today he claimed he will personally mail a check. This is very disgusting as it has been raining for 2 days.

I was bit by a dog on their insureds property in July 2010. They said, get the bills and we'll pay. I sent them the bills and Cara ** said something's not right. Sign patient info release and when we get the info (February 2011), we'll contact you. We waited, and waited. We contacted her in September 2011, and it was, "Oh, we didn't hear from you so we closed the file". Finally agreed on an amount, sent in the paperwork (release of claim form) December 6, 2011, and still no payment. Bad Faith!

Raised rates by 300 dollars. No errors or claims on my part, just a rate hike.

I have had Progressive Homeowners insurance for three years now. Progressive goes through Homesite, which I am very unhappy with. My property coverage limits have drastically gone up without my consent for the second year in a row.

2011 - Coverage A Dwelling - $276k

2011 - Coverage B Other - $27k

2011 - Coverage C Personal - $138k

2011 - Coverage D Loss of Use - $55k

I have attempted to unsuccessfully contact someone to get my limits lowered back to the original limits. My premium has gone up ridiculously each year. 2009 - $388, 2010 - $615 and 2011 - $857. As per homeinsurance.com's dwelling calculator, even in 2009 I had well over the recommended dwelling coverage, yet each year my coverage goes up. I haven't made any claims on my home and the only updates I have made to my home were adding a fence and a small deck. It simply makes no sense to me. The main problem is you have no control over your own policy and limits. You are at the mercy of whichever they decide for you. When you try to contact them, you get put on hold for hours at a time. I'm planning on switching over to one that cares about the customer.

Our claim number is xxxx and our policy number is xxx. We would like this email to be passed onto Susan *** along with her manager. We had lightning strike our home on October 25, 2011. Our home was unlivable from October 25, 2011 and we were able to move back into the first level of our home on November 10, 2011. I have tried contacting Susan *** two times on Thursday Nov. 10, 2011 and also three times on Friday Nov. 11, 2011 to notify her that all of our food was thrown out which was inventoried by Serv Pro, so we had no food in our home along with no money to buy any food.

Five o'clock pm came on Friday and still no call back from Susan ***. I then called 888-xxx-xxxx to see if someone could please help us. The lady on the line stated to me, "I am sorry but it is after hours so there is no one that can help you until Monday." I stated to her, "You mean to tell me you have no one 24 hours that can help out with this?" She stated, "Well, I can email the emergency response team for you and they should be notifying you within 2 hours." I said that would be great. Phone call was then ended.

I called this same number on Saturday 11/12/11 at 5:40 pm and spoke with a lady by the name of Shay to explain the whole thing all over again, so 24 hours later and no call back from no one. We thought this is what we have insurance for? So earlier today, Saturday 11/12/11, Pete and I thought we need to eat so the first time in our married life we had to go to the grocery store and actually write a check that we didn't have money in our account for. So due to this poor insurance company, we are going to have a bounced check in the amount of $522.53 along with bank fees and we won't be able to write a check for groceries again due to a poor insurance company.

We understand there are other families with no homes due to fire, weather, etc. but this is no excuse! Susan *** or someone should be taking care of their customers. We have purchased the higher end of insurance regards to personal property and replacement coverage for our home owners policy because a person doesn't know when they are going to need it and now we need it and can't use it for "food!" In regards to Serv pro, we could not ask for better. They are doing an awesome job and if it wasn't for Kelly *** we probably wouldn't have had a place to stay because no one from Homesite would return any phone calls! This is just a brief summary of what is going on.

I had house fire in 2009. They won't send the hold back money. They lost our files and up until now, 2011 we are still not in our home. We have to take out loans, borrow from our 401 plan, and they are still hold out. What kind of company is this? How do you lose important document like this when people are homeless and they are hold out on you? They won't send a letter stating why.

Renewal premium for 2011/2012 policy period has more than doubled. No claims made in the last 7 years; no claims ever paid. Policy inception is 2002. Will be contacting PA Dept of Insurance to make formal complaint. In my opinion, they don't value my longevity with them as a customer or my premium payments.

After having a recent burglary I was subjected to Homesites insurance claim processes. My claims adjuster Brian is terrible. He doesn't respond in a timely fashion ( my latest communication with him is now 3 months since I was broken into, and 4 weeks to the day he told me he would take a day or so and get back to me, with 3 emails and a couple of phone calls and no response). I will not be renewing my home insurance policy with Homesite when it comes time as if anything should go wrong, their claims process is a nightmare.

After the freak snowstorm, my yard, roof, and deck look like a bomb went off. It's a complete mess. This company is terrible. I am still waiting after 2 weeks to get someone to call me regarding my initial report of loss.

I have emailed, called multiple times, left many messages, and been told, "Your adjuster is on another line, she will call you as soon as she hangs up." That last comment was 3 days ago. I guess it's a long call. I will not renew this policy and go back to Amica. The service is spectacular. Judging by these other comments, maybe I should just get the repairs done and not expect anything from them.

$165 surcharge added to my homeowners policy for current year. Was told that my roof was over 20 years old. I had my roof replaced in the year 2002 and was told to provide proof of this and would receive a refund for this, that I am now waiting to see. I became a customer with in 2009 and don't understand where they came up with the information on my roof.

It seems as if my case/claim was grossly mishandled. I was told in the initial part of my claim to do everything to prevent further damage and get a few estimates on the roof. I made provisions, and it came with a financial cost. I had tarp layout on most damage areas and temporary shingle replacement in other areas (in the report they mentioned different colored shingles as if this had a negative effect on my claim). My claim was transferred to a sub-contracting Claim's Adjuster whom afterward, hired a third Company to inspect and do an adjustment.

The adjustments was grossly under-estimated (Roof-Works of Brandy-wine, Md -$9,872.00 & The Home Depot in Oxon Hill, Md -13,138.00 gave me inspections plus estimates). Not sure what you can or cannot do, but I took all of the necessary steps, received honest assessments/estimates from formidable Roofing Companies only to be jilted by Homesite Insurance Company. Thanks for listening. Please respond. Be objective and fair. God bless.

This company is a royal joke. I had a tornado in late April during the outburst with significant damage, tree on my house, etc. I contacted them, received a claim number and was told I would be contacted. I provided the requested information (report from NWS, photos, etc). Well, they did contact me but the supposed adjuster never showed. I called, left message, sent email, left more messages and still nothing.

In May (exactly a month to the day after the tornado), my area experienced a significant damaging hail storm. We're talking softball size and high winds. Again I contacted them. Same deal. Messages, emails,photos, more messages. Letters from several different claims people. Finally they contacted me in June and some clown of an adjuster comes out from an independent agency. I tried to separate the two claims damages as instructed, walked him through, pointed everything out, provided more copies of photos of the damage from April. I even accommodated them to let a structural engineer in as there was some structural damage as the result of the huge tree laying on my house.

Well when I finally received the check, they had it under the wrong claim, they missed over half of the damage. I tried to contact them, finally I sent an email. I was told bluntly hey, tough **, that's all you're getting. They paid it under the wrong claim number and oh, by the way, you can't have a copy of the structural inspection. I have been trying since July to get in touch with them. Several phone calls, emails...you name it...no response. I even forwarded them the additional information they had requested for estimates on damages missed: additional charges, prior to starting work.etc. Last emails and phone calls were this morning. As of this date, still no response. This has left a really bad taste in my mouth as this is the first time ever I've had to file a claim let alone have two major things happen within a month.

I'm several thousand dollars short of what it will take to repair everything according to various contractors. I can at least fix part of my roof but hey, tough...windows are still gaping open, the doors are still damaged, no gutters, insulation, still have worries about structural issues as crack in basement wall just keeps getting larger, larger. And yes, we've already had our first snowfall of the year. And on top of all this crap, they raised my premium! I would not recommend this company if they were the last ones on earth! My next step is to contact the state insurance commission and see if they can do anything or at least warn others about these idiots.

After losing my roof in Ala tornadoes of April 27, 2011, I filed a claim. Had water leaking. Adjuster flown in from Oregon, low balled the repairs, never received the estimate, received a partial check. Still waiting on final payment of the claim. This company is a joke. Avoid them.

I would not even give this company a 1 star rating but I was forced to in order to file my complaint. My claim was filed because of a burglary, not only do we feel violated by those who kicked in our back door, broke into our home and stole my things and my children's things but we now feel violated by Homesite. I am not going to spout a bunch of negativity, although I have plenty. I am wondering if anyone else who has had issues with this company has taken it as far as talking to a lawyer.

I definitely feel that this company is extremely negligent and a class action lawsuit would be the next step on moving forward to ensure that we all get the money we deserve!

My premium went from $589 per year to $1104 per year! They said it was because they figured the premiums based on the entire state. I've never had a claim and I can't help that there was a hail storm in my state. They are a ridiculous company.

I am a customer of Progressive Insurance for over 8 years now and they offered/advised me to buy Home Insurance through them as they said, it will reduce my insurance premium. On the advice of the Progressive Customer Service Manager, I signed-up for home insurance on 03/05/2011 with Homesite Insurance. My understanding was that Homesite is part of Progressive Insurance Company.

Homesite is not a good company at all and I will advise everyone not to buy insurance from them. It's very difficult to communicate with their claim advisers and there is always an automated message suggesting that calls will be returned in 48 hours due to increased number of claims. Furthermore, their adjusters will just deny your claims or not process your claims completely. At present, I am looking to switch to some other reputed company to avoid any frustration.

This company is horrible. I have been assigned several claims adjusters and had multiple claims opened without my knowledge. I filed a claim over a month ago. I still have not received the adjuster report for my claim nor has the adjuster fully reviewed my claim with me. But I have been denied.

When hurricane Irene hit my basement flooded. I called Homesite and filed a complaint. I called on a Friday and the agent called me back on Monday but I was not home. It took me 3 weeks to get anyone to answer me to get Servpro out there to get rid of the mold. The adjuster came out on Sept. 24th and finally 2 weeks ago Servpro came out. Now it has been 2 weeks and I can't get anyone to tell me when this is going to be settled. My basement is in shambles, no carpet, cut up walls and the winter is coming. They keep telling me "oh we sent this there and we are waiting on this or that." This is all BS at this time. This is the worse company I have ever dealt with. You can't even get a corporate number from them. I am contacting the media at this time and I think anyone that deals with this company should file a complaint with the BBB. Maybe everyone should file a class action law suit against them and then maybe they would be more customer focused.

If I could rate less than one star, I would! We had hail damage back in August. It is now the end of October and we still do not have our paperwork in hand or our check to start the repairs. The adjuster came out over two months ago! I have literally called and emailed Homesite dozens of times and no one responds! It is like pulling teeth to get any information. Now, I really do not know what to do. Our roof is still not fixed, we still do not have the paperwork or check from Homesite, and winter is coming. This is, by far, the worst customer experience I have ever had!

Like several others, I started new policy with Homesite on Sept. 12. The mortgage company paid premium from escrow account for a year's coverage. An inspector came out 3 weeks later. On Oct. 11, I received notice that I would be canceled on Nov. 12. due to roof shingles curling and trees overhanging my house. I don't have any trees overhanging my house. My shingles are less than 5 years old. This seems to be scam. I will contact Andy Wise and the Insurance Commission concerning this company. I will be waiting for my refund.

I have a policy out of Kansas, the loss happened in Iowa, but Homesite is handling it out of New York. The loss date was 4-16, I filed the claim with registered mail on 6-3.

I complained about this company before. The next day after filing a grievance with you as the insurance commissar, the insurance company finally gave me part of the claim approximately 2200.00. After that I submitted receipts to get the depreciation amounts back. Since I didn't have much money, I had to buy my tools (loss) incrementally. Seeing how much trouble Homesite has given before, I wanted to make sure there were no mix-ups. I purchased the items on the depreciation list individually, one receipt for each item. I then wrote one of the receipts the number of the list of items. Also, I wrote all the info down like the item number, description and cost. I mostly just wanted there to be no confusion or any reason for delays as I had in the past. Anyway I sent all this info to Linette **, my claims helper. I emailed it to her, and with my claims totaling to 524.41. I said, "Please deposit this to the following account: routing no. **, account no. **, Metabank checking. I would ask to get a call to confirm you have received the 17 receipts, but pretty sure that won't happen. There will be more receipts coming to you in the near future. Thank you very much."

The next day, I finally got a call, two calls with voicemail from Linette. She wanted me to contact her. I was driving back to Iowa at the time. I pulled over in a safe gravel parking lot and called her. I'm pretty certain the first 2 or 3 minutes of that call was Linette going off' on me. Now this is not just unprofessional, and rude she was getting personal with me about the claim. She told me my email was rude and unprofessional. She tried turning everything around on me. Blaming me, like it was my fault that the claim was taking months to resolve. I thought she snapped. Really. After the tirade, I calmly asked her if she was done yelling. I told her simply, calmly that she had been about the worst customer service' person I had ever dealt with. I said I was done dealing with her. I requested someone else to handle the claim. She told me no. No one else is going to take care of the claim. She wouldn't let me talk with a supervisor. She said she did everything perfectly pretty much. I had to explain to her she was wrong. That I did have a month or so before I sent in the papers. After that it's been a total unholy nightmare for me. It's like a full time job. I reminded her that I had mailed the papers using registered mail, I have the receipts.

Homesite lost' my papers for about two and a half weeks. You see, I sent the claims paperwork along with a very standard widely used SD CARD' with the pictures of the tools and whatever. I waited two weeks, then I called her. She said she can't use the card. There is no way to insert the card into her computer. So much for trying to be helpful, whatever. Because she could not or would not use the SD card, I emailed her the same photos. But I had to call in. She made no effort to contact me about it. Then she said she got the papers and the photos, she said it would be some time before she could get to it.

About a month and half later, she called explaining some details. Another month finally got a portion of the claim. About 2200.00. She explained how I could recoup the rest that was in depreciation. Great, I think we're finally getting somewhere. That was about the time I filed the first complaint with the insurance commissioner.

Two weeks or has gone by and I emailed her the first set of receipts. She goes off on me as I said. She was going to take care of it. She said she would fund my bank account the money for the 17 receipts. She was mad but she did what she said. I got the money in 2 or 3 days. Then I go through the process again. Buying tools, individual receipts, making it super easy for them to confirm. And I even got a voicemail from Linette saying she would get to it quickly.

That was September 19th, again, no response. Last Friday I was told it was being handled' by her and her supervisor. I wondered how it's being handled. I once again called and called. Got a voicemail from her stating that the claim will be done sometime' and I wrote the following email: "Thank you very much for calling back and leaving the voicemail. I understand you must be super busy. I am a little surprised at the time it has taken for this 2nd batch of receipts since the 1st was handled in what seemed like just 2 or 3 days. Like I said before, I don't want to be a symbol of difficulty, and I can certainly understand that having extra phone calls to return may only add to the time to resolve and further add to any stress on your part. I think we both feel the sooner this claim is completed, it will be the best for all of us. Thanks again for your time."

That was 8 days ago, 11/28/11. Nothing in response. The claim is from April!

I think that Homesite is trying to delay things past the 6 month mark. I respect your time and involvement with this situation. I have been put through the ringer on this one. And Linette is supposed to be on my side, right? I'm not fighting tooth and nail to get this ** thing resolved. I am a very patient person. But I see the end of my rope coming. I'm not sure what you all can do as insurance commissioner, but I'm at my last resort.

From April 16 to today, I have phone records and certified mail receipts showing the hundreds of times I have called. If you can do anything to help get this claim wrapped up, well, you would be my hero. From now on I guess I will have to record all my calls with Homesite. If I could have my wish, I would like to have anybody else to deal with this other than Linette. And I would like to just get this over with. Have Homesite credit my bank account and I will get the remainder of the items on the list, submit the receipts, get the money back again and just be done with this. It's not that hard. But really I do feel Homesite is in the spirit of dragging their feet as much as possible. Maybe others are having the same difficulty as me. Maybe there should be a class action lawsuit or the like. I don't know.

Pease handle this fast. I'm just an ordinary guy who wants his tools back. Thanks for your help.

Following a significant loss, for which we had coverage, Homesite Insurance Company of Illinois (which underwrites GMAC and Progressive insurance policies) denied our claim, without any justifiable reason. They have extremely poor customer service. Our "agent" never returned our calls. The individuals at their call center were extremely rude and kept directing us to our "agent" who again was not responsive. They then sent us a letter stating they were raising our rates and reducing our coverage. We dropped them, issued numerous complaints against them, and are now suing them. If you look at the Illinois Department of Insurance website, you will find they consistently have among the highest complaint ratios in the industry. I just wish I would have known this. I thought I could trust GMAC. Stay away from these crooks.

This company is horrible! I filed a claim on Sept. 13th! I was notified 2 days later that I was canceled because of making a claim within 60 days of the policy being started. Who knows that their house will be burglarized?! I submitted all documentation to the company by the 19th, and the police report the following week. Phone calls aren't returned at all. The appraisal was done. They were still claiming that they need to check the validity of the receipts and police report after already speaking with the police department! The supervisor, by the name of Michael **, is a freaking idiot and does not seem to want to help. This company is a rip-off. And they don't want to help their customers at all. I have new insurance now. They are amazed by what I have told them about Homesite and their lack of customer service or drive to help the customer!

Please investigate this as the other comments I read reflect exactly what happened to me. I began my policy with Progressive, underwritten by Homesite on August 24, 2011. An inspector came out about two weeks later. On October 2nd, I received notice that my insurance was cancelled due to, yes, curling roof shingles (not true), a branch too close to the roof, and a missing shingle on the shed. There is something fishy here as it looks like others have had the exact same reason for being dropped - over alleged curling shingles. I spoke to another insurance company and a friend who is an insurance broker, and both said this was absurd.

After one year of insurance with no claims or problems of any kind, they nearly doubled my insurance from $645 a month to $1,114 saying that the replacement value of my home increased. There is absolutely no justifiable reason for doubling my insurance premium. I cancelled my policy and will find insurance elsewhere.

I have called our Claims Adjuster, William ** at least 10 times about a discrepancy in our claim on a flood in the house. One time, I talked to him and he said he would take care of it. That was in July. This is September but nothing has been done. I even talked to his supervisor and he ignores my calls. Not a good business.

I had a terrible experience with this company. My home was damaged by a tornado in May. I have dealt with a claim representative and 2 of her supervisors. They do not return my calls for weeks at a time. My contractor was told by the adjuster that his services would be paid for but we have not heard back from Homesite for nearly 3 weeks. The repairs are finally finished and my contractor wants to be paid. I have tried to contact people higher up in the company and I get no response. Customers are at the company's mercy and they have none.

My home was damaged in June 3 and this is the second complaint I have filed. Still, no work has been done on my home and it's September 16, 2011. Please, help me.

After the 2007 CA wildfires, Homesite withheld an endorsement to our policy. On June 6, 2011, a jury, in North San Diego County Superior Court, found Homesite guilty of Fraud and Malice. The jury also awarded 3.2 million in punitive damages.

On 8/1/11, we changed our policy to Homesite through Progressive Insurance. Our premium was taken out of escrow. And then, we received a form letter dated 8/26/11 saying our insurance was canceled effective 9/9/11. It was because the neighbor's tree was hanging over our roof, and we had some roof tiles that were curled. They gave us 14 days (with Labor Day) to find other insurance. We were not given an opportunity to remedy the situation. When I called, I spoke with Amy who couldn't help but email the inspector who would never get back to me. I called again and talked with Justin. He said Supervisor Dan ** was working on it and would call me. I never did hear from him.

I was suckered in by a cheaper policy. You get what you paid for, I guess. We took a policy with this company and are in the middle of doing home improvements. They apparently sent someone out to look at the property and was too stupid to be able to tell the difference between home improvements and damage so they cancelled our policy during their 60-day window. When I called to explain that we are remodeling, the person said that they would not reinstate the policy but I could reapply after we were done. Why would anyone reapply to this company? I got a new policy the next day with a new company. I explained to them what happened and they said that it was the stupidest thing they every heard.

I called GEICO who then used Homesite as underwriter for my homeowners insurance to take effect on 4/18/2011. I set up payment at this time via escrow account. I received a letter of non-payment dated 6/30/2011 and cancellation notice for 7/17/2011. I called once I received it on July 12, 2011. I worked with agent and bank to set up the missing pieces to the problems with the escrow account. I gave permission on the conference call to expedite a payment from my escrow account at this time. I was told all was set. The next thing I know, I received a bill postmarked 8/31/2011 for partial coverage between 4/18/2011 and 7/17/2011. It's still not the official cancellation notice. I called Homesite to discuss.

They are adamant they will not reinstate since it has been over 30 days in cancellation status. They will not rewrite at this time either. They told me I must use a 'high risk' company now, because I have been without homeowners insurance. They nor the bank on this call can tell me why the payment I authorized and was told I was all set did not go through. There is definitely adequate supply of money in the escrow account to cover this payment. Also, had I been informed that there was yet another problem with the payment, I would have paid out of pocket to ensure that I was all set. And at this point, no one can find the notes on the 7/12/2011 phone call in the system as to what may have happened. I got through to a supervisor. They told me Homesite has agreed at this point to rewrite a policy, but the quote may be different if the rates changed.

I worked with Homesite agent. Now, my rate has gone up over $300 from the one I got 5 months ago. Not only that, but my coverage went from needing $273,000 to $351,000 on the same exact home. There are no changes. Later in the conversation, I had 2 entirely different representatives from GEICO and Homesite on the call. And apparently, notes appeared from the 7/12/2011 call that state the policyholder (me) did not authorize the bank to make the payment. At this point, I am also asking for an explanation on why I need so much more coverage all of a sudden. No one could accurately tell me a reason for this. So now, the GEICO agent stated that the notes from earlier on in this call state that Homesite did not agree to rewrite the policy, which was totally not true. If that were the case, why did I go through with an agent earlier to give all the information again and get the quote? Also, I was arguing that I still have yet to receive a cancellation notice from Homesite. And to make matters worse, I had continued to receive correspondence from them. It stated that they are here for me in case I need them due to hurricane Irene affecting my area.

My argument was based on the 7/12/2011 phone call. I was told the payment was going and I was all set, with no additional notices of cancellation and receiving correspondences, making it appear I had a policy and coverage. Why would I have thought I had no policy in effect? This is a horrible company. Everyone you talk to has a different story. And the notes that were not there an hour ago suddenly appeared or changed. They told me they would look into it all more and call me back first thing the next day. That didn't happen either. Also, they want $120 from me for coverage between April 18, 2011 and July 17, 2011. I don't even want to pay this since who knows if I had coverage, and this is how I got treated.

I spent over 3 hours on the phone with them trying to straighten out an honest misunderstanding apparently. And they could have cared less. They treated me like dirt, lied to me, tried to scare me into thinking no one will give me coverage except their high risk company, etc. I will never, ever do business again with Homesite (or GEICO). And I have already switched any insurances over to another, more reputable company. Homesite needs better customer service and should be there for their customers, which they are not definitely. I have had other insurances that I may have paid more. Even though they may not have been required by law to tell me anything else, after 7/12/2011 conversation, they should have called to tell me where I stood.

Initiated new home owner's policy August 1, 2011 with Progressive, unwritten by Homesite. On August 16, 2011 after 8:00 my time, during a rainstorm a home inspection was completed. I received a letter today that my policy will be canceled on 10/3/11 for "curling" roof shingles, trees overhanging roof, damage to siding on garage and rotting steps. None of these items were correct. I purchased the house 8/1/11, it passed an FHA HUD inspection! I contacted Homesite to express that these items were incorrect and requested another inspector be sent out, they refused. I then requested a more detailed report of the home inspection, they stated they could not provide me with anything more detailed. I then inquired how I will know what to repair as I do not see any of these deficiencies. I was advised to replace the entire roof, all of the external stairs and cut down any trees surrounding my home!

I had a pipe that burst in my home on 3 June 2011. At the time, my only concern was taking care of my home. When I contacted the insurance company a couple days later after cleaning up as much damage as I could, I was given a claim number and then told that an adjuster would contact me in a few days. When I asked him about a crew to clean up the water damage, I was told that I didn't need them and that the damage was extensive enough.

Weeks went by without hearing anything. I called the adjuster and was told that he already submitted the appraisal. But when I called Homesite, they told me that they never received it. I called back the adjuster and he told me that he will contact Homesite himself. In the time that passed, I got an allergic reaction on my entire face of hives. I missed a day of work because of this. I went to work with the hives for about three days. When I complained and cried about the home being uninhabitable (as stated by more than one potential contractor), we were put in a hotel. Then, they contacted Servpro and they started the process of toxic mold and mildew removal. They did a great job. Unfortunately, this should have been done when I filed the claim or upon the adjuster's visit.

I have had another reaction by just being in the basement for less than half an hour. This time, I dealt with another adjuster who was sent back for another assessment. Shortly after, he left Homesite Insurance. I heard nothing for two weeks and when I contacted him, I got an email stating that he left the company. When I got in contact with Homesite, they advised me that I had a new adjuster and they gave me her name and number.

When I talked to her, I knew immediately that she was a cold and heartless woman. I tried to speak to her about how much I wanted to be back in my home. She stated, "Well you can go back to your home." Did this woman just say that? I had allergic reactions in the home, yet she wanted me to go back to my home. Well, my home had no toilet at the time. I have had two allergic reactions from the toxic mold and tried not to scratch the itches. The house had been gutted and the sub-floors were removed due to the length of time and the extent of the mold going through the them. Everything in the home smell of mold and mildew as soon as anyone walked in the front or back door. The home was uninhabitable.

On July 17th 2011, an electrical fire at the home I was renting consumed the home and we lost all of our belongings. To date, the claim is not settled nor have I received a single returned phone call from Dawn. Initially, I was sent $3000 emergency money for clothing on July 19th. Since that time, I have not received a phone call, letter, or any communication regarding my claim. I have called at least once a day and it is now over five weeks later.

We can't secure a place to live until the claim is settled. Dawn's voice mail greeting states that if the call is received before 3:00 pm, she will return the call the same day. Yet I have never gotten a return call.

There are 15 homes on my block. Everyone has a new roof but me. I have been with Homesite insurance for 10 years now. Our area was declared a Disaster Zone after a storm came through and blew over 6 electrical poles.

On April 2011, a storm had damaged my roof and interior ceiling. Homesite sent out an adjustor after two months. I then received a check for a small amount. According to them, it is to cover just part of the roof. I tried calling back and sending emails stating that I am not agreeing to what was quoted. They said that the cost was $1,500 and this was not enough to pay for the amount they stated was damaged. I got estimates from roofers and all of them stated that this was totally wrong .There was damage on the whole roof as well as hail on the siding, not to mention the interior ceiling.

After almost four months, Homesite agreed and sent a different adjustor. He came out and I had my contractor there with him to show all the damage. The new adjustor said that he just came to take pictures and send them to Homesite. Once I found this out, I have been calling them since. I once got a hold of a supervisor and he flat out lied to me stating that there was an agreement made between the adjustor and my contractor and they are just finalizing the paperwork. This is totally untrue. They won't answer the phones and return messages or emails. I have had a tarp on my roof since April. It is now August and they are not doing a thing.

I called to inquire if damage due to heavy rains that happened over the previous weekend was covered by my homeowner's insurance. The agent who took my call did not know but she took all of my information for filling a claim. She told me that an adjuster would call me back within 24 hours. After waiting for 24 hours, I called the number for filling an initial claim back and was informed that Yvonne was my adjuster and was given her direct number. I called her number each day for over a week and did not hear back from her until I called her supervisor, Aron **, and left a voice mail for him (answering the phone appears to be optional at this company).

When Yvonne finally called me back, she told me that an inspector would call me within 24 hours to set up an initial appointment and to call her back if I did not hear from him by the following afternoon. In addition, she told me to try fixing the damage on my roof by applying a patch or putting a tarp over my roof. I did not receive a call from the inspector today so I called Yvonne back to let her know and to express my concerns about repairing my roof before it was inspected. She did not answer her phone so l left a message.

Since I had experienced so much trouble just trying to find out whether the damage caused by the heavy rains was covered by my insurance, I decided that I would try calling her supervisor. But since I did not have his direct line, I had to call the number to report a claim and select option 3. Rebecca ** (when I asked what her last name was, she reluctantly replied that it was **) answered and when I asked for Yvonne's supervisor's direct number, she insisted that I explain why I needed to speak with a supervisor.

After I explained my concerns about repairing my roof (I thought it would be unsafe to do the repairs myself. If I hired someone to do them prior to the inspection, how could my claim be approved or my expenses be reimbursed?), she proceeded to tell me, with a condescending tone, that it was my responsibility as a homeowner to prevent any further damage to my property and that if I did not do so, even if my claim was approved, the company would cancel my insurance.

I have never had such difficulty with an insurance company. I purchased this insurance through the Geico website thinking that since the company was associated with them, it would provide the same high-quality service that I had received for several years with Geico. This has not been the case. Today, I filed a complaint with the CT Insurance Consumer Affairs Department since I do not believe that Homesite will fairly evaluate my claim or honor their obligations to me ever, let alone do so in a timely manner. I wish I had read these reviews prior to purchasing home insurance with them.

On July 16, I get a notice that they cancelled my policy on May 18 due to non payment, even though my mortgage company paid it through my escrow account.

After numerous calls and no call back from them, finally today someone calls me and tells me that they can not take my payments from my escrow account any longer, even though they had done it for the prior two years. Not only that, my quote went up $300 even though property values have went down.

This is a horrible company.

I noticed some mold in my garage area. I called to submit a claim to see what was going on. I spoke to a representative, and she stated (based on what I told her) that my policy do not cover "visible" mold damage. It must be invisible and within the walls. I needed to pay for testing to see if that was the case. No one ever came out to see what was going on. I pay my premium each month automatically, and when I needed them the most, they would not even come out. Just horrible customer service.

I have had Homesite Insurance since November 2009. The city sewer backed up and flooded my house...

Today (08/05/11-4:00 PM Pacific Standard Time) I tried to use my coverage for the first time. First, I could not find a customer service number. I ended up calling the number listed on my bill (800) 466-3748. I received a recorded message "Thank you for calling Homesite..." and then hold music for over 20 minutes. Nobody ever answered on the other end, and the message never said anything about it being after hours. I called a second number from their website for claims (866) 621-4823. After about 15 minutes of hold music, somebody answered. She asked for my name and asked what type of claim I would like to submit.

I informed her that I wasn't sure if I wanted to submit a claim yet. I needed to know if a motel would be covered under my policy and if it was, was it subject to my deductible. (I have a $500 deductible, so if it was subject to the deductible, I would pay for the room myself and not submit a claim). She informed me that all she could do was open a claim for me, she could not answer ANY questions. I asked her if she could refer me to someone that COULD answer my questions...g maybe a customer service rep!?? She replied that it was almost 7:00 pm in Boston and they were closed. I would have to remedy the situation on my own. Nobody could assist me until Monday. Despite the fact that it was only 4:30 pm in California.

REALLY!?

Wow. OK...so after almost 30 minutes on hold, that is the help I get?!

I am going to remedy the situation. I am cancelling my policy Monday morning (I would have done it tonight, but I can not reach a customer service representative to do it)!

When the time comes to use your homeowners/renters insurance, it is usually a traumatic experience. At the very least, you should be able to receive some assistance from your insurance company!

Back on 7/1/2011, we had a severe thunder storm with heavy hail. So, I called a claim in about hail damage to my house. I requested a copy of my insurance policy because I never got one.

Well, I found out that they, and not I, picked out my deductible of $1,000-- instead of the standard $500 deductible.

I reported my claim; as of this date (7/27/2011), no one has looked at the damages on my house.

I also had a similar experience with the Homesite home insurance reported by others on this website. After paying an initial deposit with Homesite back in May 2011, I received in July 2011 a notice of insurance cancellation because they said I had trees overhanging from my house and my roof was bad. The trees are quite normal with many houses and my roof is sound. I had a home inspection through another well-known insurance company and they found no problems. I am going with the new insurer, but I do feel I was scammed by Homesite. I would tell anyone to stay far away from this company. Progressive insurance, that underwrites homeowner's policies through Homesite, should worry about their own reputation dealing with such an unethical company (Homesite).

After applying with Progressive Insurance Co. for a homeowners policy my request was accepted and I paid an initial premium of $400.00. The policy started in May of this year. I live in CT. On June 23, 2011, I received notice from a Homesite Ins. Co. of Massachusetts that my policy, through Progressive, was cancelled effective July 26th. The cancellation was based on inspection that my roof was crumbling on the house and that trees overhung the house, and that the outbuilding (garage) roof needed repair.

The information in this report was incorrect: No trees overhang the dwelling; the house roof is fine; the garage, outbuilding, roof needs repair which I was aware of and had told the company this when I applied. Homesite declined my request to clarify this, kept my down payment, and offered no recourse. The agent Gwen said I could reapply after the cancellation and have another inspection, only if I sent them evidence that the corrections were made. She did not acknowledge that the information was wrong in the first place. I feel this company took my money in good faith and ripped me off. I have done some research online and have read many reports of complaints from people who have had this same type of experience with Homesite. This must be illegal! What a scam.

Financial hardship due to loss of down payment. Misinformation that is now available to other insurance companies I may apply to for coverage. Increased difficulty finding insurance coverage.

I can't really explain how awful my experience with Homesite has been, so I'm including a timeline of what I have gone through up to this point in an attempt to get my property replaced. It's also interesting that the person I have been dealing with is also listed in another complaint.

5/16/11 Called at 12:43. Spoke with Toni, explained situation and asked to speak to supervisor. Was transferred to supervisor and left voice mail. (Call not returned)

5/16/11 Called at 1:40. Spoke with Rebecca, explained situation again and asked to speak with supervisor and was transferred to a female who introduced herself as Michael. Explained situation and was told that Yvonne ** would call me in about 15 minutes.

5/16/11 Called by Yvonne at 2:23 and made initial claim. I completely felt like she was not interested in helping me and was only going through the motions. She even stated that I needed to get this done quickly since my policy stated the claim should be handled in 180 days and we were past that. I tried to contact Homesite 3 times prior to this with no return calls or emails so feel that this was rude and spiteful since I wasn't the one not returning calls. She said, "Sorry that I wasn't called back after my call on the 3rd that someone else usually returned her calls and must not have gotten to me." Yvonne called me back at 2:50 and told me I was also required to get a police report.

5/17/11 Called customer service and spoke with Angel about my frustrations on how I was being treated. He gave me the hours and phone number for my branch office. I told him that I would not be able to call until the 19th due to my work schedule.

I am a victim of a "smash and grab". My car was broken into right outside of my apartment overnight. I contacted my renter's insurance company which was Homesite. I filed the claim on 3/18, as the incident happened on 3/17.

I work as a contractor for the local electric company and as part of the responsibilities for my position, I am to take pictures of appliances around people's homes, when we do consultations with homeowners. I then need to put together paperwork, submit the paperwork to my management,and they send us emails from time to time that I need to print and take with my on client appointments. My briefcase was stolen out of my car which contained over $4,000 worth of items that I use for my work.

I have repeatedly been calling and emailing the claims agent for status updates, and letting Homesite Insurance know that this is important as my job is wanting to know what happened to the items that I was using for my work, however this insurance company is less than stellar at following up on the claim.

I have called and called and called, and all i get is this woman's voice mail. I have left numerous emails, and phone calls in regards to getting status update on whats going on. This process is taking forever and I need to get reimbursed for my work items so that I can effectively do my job.

At this point I am having major second thoughts and contemplating cancelling my insurance with them. I wish I had never gotten any kind of insurance from Homesite. Not only have they, time and time again, ignored my emails and phone calls, but I've never had such a difficult time working with any company, much less an insurance company.

I am at a major loss at this point. I have lost over $4,000 worth of items that were stolen from my car. At least $2500 worth of work-necessary equipment, plus $1,000 of electronics.

I filed a complaint to Homesite and Progressive following a "smash and grab" to our car while at work. Progressive Auto Insurance is great - car window was fixed quickly. The police report was filed. The Homesite claims that the agent was slow to provide information on how to file the complaint, and then insisted on the ORIGINAL receipts. I don't have these for most of the items! We asked, jesting, if she wanted the power cord from the computer and she replied, in absolutely sincerity, that she wanted only original items, like a receipt or power cord. The resolution of the claiming was dragging on, and she finally committed to having the paperwork reviewed in 30 days or less and promised in writing to have this done by December 23rd, and not to call her again.

The date came and went and no response. It turns out that she was on a vacation. I can never get a hold of her directly. I have had to leave numerous messages on her voicemail (which has a promise of returning calls within 24 hours). No apologies for missing the date. I explained to her that this was poor customer service and she retorted that she is a Claims Agent, not customer service. No kidding! We had to call a company hotline to get a call back finally. They did finally and send the claims evaluation list and had several items wrong.

When your glasses are stolen, for example, you need both the lenses and frames replaced. Yvonne didn't seem to get this (oh yeah, wanted the original receipts from the Eye insurance company, too!). Now, we have sent back replacement receipts, and Yvonne says she has 60 days to respond and will review, personally, every receipt by calling each store to make sure we bought the item. Feel like we have been victimized twice!

For two years now, they have billed our mortgage company for insurance and have been paid with our escrow money. To date, they have not issued a refund of the money they have been given when a cancellation notice was issued to them on 10/8/2009. We've been paying two companies and Homesite is not who we want to cover us. Our mortgage is with HSBC and they told us we have to contact Homesite directly to get our money back! They do not answer their calls.

I "had" homeowners/renters insurance through Homesite insurance company/GMAC until the canceled me for filing a claim. I purchased homeowners insurance through this company in August 2010.

On October 8th, 2010, our barn style storage building was broken into and about $4000.00 worth of items were stolen including 1. Generator 2. pressure washer 3. Dewalt 4pc tool set. The "value" of the generator on the market today is about $3000 new, the pressure washer market value new is about $1200.00 and the Dewalt Tool set is about $500-$600 new.

I filed a police report and filed a claim with the insurance company. The policy I have is RC - Replacement Cost. At first, upon giving the report over the phone to the claims agent, she stated I needed to send in original receipts. She stated, they would not accept photos (being that anyone can get photos of the web), they would not accept box and/or original manuals, again, being that one can purchase them off the web. She stated they could only accept original receipts. I informed her that I did not have original receipts being that the items were purchased at a yard sale and at the flea market to which I wasn't supplied a receipt.

She asked if I could provide a bank statement around that time showing large amounts of money taken out of my account. I did send her those, as well, I still sent photos of the items I had on my property. (sort of hard to get a photo off the web of an item with my car and shed in the background). I never heard back from her stating that information was not acceptable. For weeks, they dragged their feet, never returned phone calls, never returned emails. Finally, 2 weeks ago, I emailed her once more, and I received an out of office reply stating she would be gone from the office for a week.

I called her supervisor, he informed me the claim would be re-assigned to another lady and she would call me to follow up. I sent the new claims agent several emails and phone calls. Out of about 6 emails and 3 phone calls, she finally emailed me stating that she was looking into the claim. Never heard back from her. Last Monday (November 8), I called the original claims adjuster since she should be back in her office. I spoke with her on the phone, she explained she was still over the claim and was playing catch up from being on vacation for a week.

She stated that the "valuation" for the items had been completed and she would send me an email with the break down. That was a week ago.Today, I called her once again this a.m. didn't get an answer on her phone, so I called her supervisor once again, now he is on a weeks vacation and is out of the office. I sent the claims adjuster an email informing her I was not at all happy with the lack of attention given to my claim and if I didn't get a response today, I would seek legal counsel.

She send me a follow up email with the spreadsheet showing me the breakdown on the claim. This is where it really ( excuse the language please) ** me off! Talk about low balling? Keep in mind, if these items were replaced, collectively, the cheapest I could find them around my area "new" was a combined $3800.00. The insurance company is sending me a settlement check for a little over $700 after the $500 deductible was taken out, as well as 10% depreciation of the items. Their "valuation" department is showing the $3000.00 generator at $500 to replace, around $2-300 for the $1200 pressure washer, and a couple hundred for the $5-$600 Dewalt 4pc 18 volt tool set.

The valuation form has links to websites showing "like" items for sell on various website that can be ordered, not local places. Dewalt is a name brand, very reliable tools. They show a link to a craftsman small electric screwdriver, a link to a cheap "Ryobi" drill, a knock off no name brand circular drill. The tool set also had a nice utility light. The sent me to a link in the valuation form to a $9 aluminum clamp lamp, not to mention, the Dewalt Tool set I had was all 18 volt, the links take you to items that are "14 volt".( sub standard to say the least). I sent her an email informing her I would not accept the check when it arrives as a settlement, rather, I would be sending it back to them and go to court if I have to.

She called back and stated that, "The replacement cost will only pay what I actually paid for the items when I purchased them, not what it would cost to replace new etc." This doesn't make since being that a lot of people have items that have been given to them, and not purchased by themselves. If I have items in my home that have been given to me, just because I did not pay for them, does that mean there not insurable? Doesn't make sense. So, to say they will only pay what I paid for them is crazy. What if those items had been given to me? No where in the policy does it state this as well. She stated that there is still $139.00 of mine they are keeping, once I purchase the items with the $700 check they are sending, and send them receipts, they will send me the rest of the money.

The whole thing stinks to me and is totally unfair to tell me that my belongings are worth about $1200 total when in fact, they are worth about $3600.00 or more, unfair. Not to mention, in the form I sent them when I filed the claim, I had to write down the estimated value of the items, I was told then to enter what "I paid" for them, not what they are "worth" sounds tricky! I informed them as far as the generator, I purchased it at a flea market a couple years ago and do not recall exactly what I paid, maybe a little over $500. In the official police report, it had it listed at $700 which is what I told the officer. I thought I had paid. I have since contacted a couple of Attorneys who say this is a clear case of "Bad Faith" on the insurance companies part. However, "most" law firms will not touch it unless they are to sue for many thousands of dollars!

We took out insurance with home site back in august. While we were on vacation our home was robbed. We called the law filed a complaint and called home site. They dropped our insurance because we had the policy less than 60 days. What a joke we just knew we would be robbed while on vacation. Well it's now been 2 months and we have yet to get the money for the items taken. They are nothing more than thieves.

I was recently shopping around for better rates for homeowners/auto insurance as a "combo or package" deal. I had the misfortune of going through Progressive for this ordeal. The auto side of the experience was wonderful, albeit not financially beneficial for me. The homeowners side has proven to be a nightmare! I spoke with a young woman who said she was in Akron, OH. I remembered this as I'm a native of that area of Ohio. We discussed what I was looking for, what policy requirements I had and she provided me a quote. When we spoke by phone, I told her it looked good. However, I had not completed the auto side of the quote yet and I would get back to her if I wanted to go forward with a policy.

This was on 9/14/10. I discovered later, from my mortgage company, that they were billed for a new insurance policy from Homesite and had paid it ($486.00), as well as having paid for my current policy carrier. I was furious. The $486.00 was billed to them on 9/17/10 and I had not called Melissa to authorize any new policy, nor had she been back in touch with me. The $486.00 was also $49.00 more than I was quoted on the quote # ** I still have in my possession. In the meantime, my escrow account is double charged. And I am in the process of going with a new carrier, who now needs to charge my real new premium against my escrow account.

This mistake has cost my escrow to be overbilled by over $1,000 and now I'm left to clean up the mess. I understand I am being issued a "refund" check for the $486.00. However, this should never have happened! I never gave the okay for this policy to be issued. I never signed any paperwork in person, via fax, or electronic signature authorizing these people to issue that policy. This is fraud - plain and simple. And the fact that I now have to deal with the escrow issue simply infuriates me. Why, as a responsible, single, 58 year old woman should I have to deal with such irresponsible and unprofessional (illegal) behavior when I'm trying to cut costs and keep my expenses to a minimum?

As a flood survivor in Iowa, I was happy to move into a new home. Although the neighborhood was not great, it was nice and fun to make it look good inside. I hunted down neat stuff, bargain stores, auctions sales, and made it a home. 2 months after moving in, I worked another overnight shift, came home exhausted to find my home had been broken into. No TV, no laptop, my son's Gameboy and my deceased mom's diamond ring. After the police left, I reported it to Homesite. It took 5 days for them to call me back and that isn't the worst. It is almost a month later and still nothing. I received a letter of cancellation for non-payment when I had records of payment made. They were trying to cancel me, I got that resolved and later in the day, Dianna **** called and said that my claim was being denied. Why are there inconsistencies?

I am a single mom, on psycho medications that can make me cloudy and I guess I did not tell her where I got my digital camera on a sale. The lady I got it from gave me an envelope with receipt. Well, I guess the receipt was not legit I did not know! I would not have sent it to her if I had, so they are canceling my entire claim even though she checked out my other items and they were legit, with receipts, etcetera. It was an error but not fraud and I need this money to replace my possessions! Do not use Homesite! She was rude and does not care about customers but only about saving this shark of business money from honest people paying and then refusing claims.

I found out that my mortgage that I've had over 8 years went from $970.00 to $2295. The only explanation that they could give me was that they, "Homesite" increase their rates for Philadelphia for my neighborhood. I went to Travelers and got more insurance for less the price.

I had Farmers Insurance for 12 years with no claims. I filed a claim and was informed my deductible was $3,700 in July 08. I called Progressive and got new homeowners insurance. The price quoted over the phone was comparable to Farmers with a much lower deductible.

I have escrow with USDARHS. My yearly rate with Farmers was $972. What I did not know was Progressive was not my insurance company but Homesite was. What I found out today 6/18/10, Homesite has been my insurance company 7/08-1/10 and the price was not in fact comparable to Farmers at all, it went from $972 to $2,084 in 2008 and increased to $2,740 in 2009. I was not informed of this drastic increase until 1/10, when my mortgage payments went from $494 a month to $868 a month. Upon inquiry and nearly 6 months later, I finally got a response from the escrow department with USDARHS. It seems that they did and audit on my account and due to the large increase in insurance this is my new payment for the next 36 months.

What was done to me is criminal but I guess I learned a lesson the hard way. Pay better attention. How could I? I addressed it as soon as I realized there was a problem. I will keep better tabs on my escrow and you should also.

On Oct. 26, 2009, I replaced my Homesite Homeowners policy with an Amica policy. I was told by the Amica agent that they would send notice of cancellation to Homesite, with the cancellation effective as of that date. I received a letter dated February 17, 2010 from Homesite notifying me that they were confirming cancellation of my policy effective February 1, 2010, not October 26, 2009 as requested. I immediately called the customer service number referenced in the letter to have them correct this obvious error. They indicated they would send this to Homesite and get a refund check for the unused premium that had been paid by my escrow account holder, Wells Fargo Mortgage. It has now been almost 6 months and I still do not have my refund check! What else can I do to get my refund? I have sent faxes, emails and made phone calls to no avail.

My escrow account with Wells Fargo is now short because they have made payments to both Homesite and Amica. The Homesite portion should have been refunded but has not.

I called to accept a written quote for home owner's insurance. The quote was increased on the phone by 24% because of inaccurate information taken by the original sales person. (The sales person had been directed to Charlottesville's Assessor's Office online where all the information about our homes are listed.) After hanging up, I researched Homesite's reputation and decided to cancel. This voiding of the transaction (the insurance would not take effect until the following day) took nearly one hour and three conversations with the supervisor.

And during the second conversation with the supervisor, I learned that Josey (the original processor of the cancellation) had not yet 'cancelled the policy' so I was sent back to Josey a second time to 'complete the cancellation'. Had I not asked for a cancellation number, I wouldn't have learned that Josey had not yet finished the cancellation transaction? Very disappointing.

I had a claim that went on for a year. They paid very little for the inside damage but would not replace the roof. They never denied the claim. They just did not respond. They failed to tell us that we had for 1 year. We are now seeking legal advice and intend to follow through, because they are not going to get away with what they do to people. They take your money and then don't want to pay. I will just spell it out: Homesite Insurance is bad!

I was robbed in Baltimore on 11/20/2009 and filed a claim with my Renters Insurance. After the initial call from Sherry, she refused to return my calls or respond. I was in for major surgery the following week so I have my mom call to follow up and Sherry was very rude to my mom on the phone. We mailed in the appropriate information and Sherry emailed me saying we were just waiting on the police report which her company processes through Metropolitan Reporting. I tried to follow up with Sherry multiple times but she never once returned my phone calls. When I finally called the national office to speak with a supervisor, he gave me an attitude and could not care less that I was upset. It has now been nearly 4 months since the incident and I have yet to see a check. I have been working with Metropolitan Reporting to help get the report but my Agent Sherry has not done anything to help the process.

Homesite Indemnity Company increased the replacement cost used on my home by 82% from $180k to $328k. Both my prior insurer, Hartford and Homesite had previously used their own calculations to come up with replacement cost--and both were under $200k for a 1,600 sq. ft. tract home of average quality. Trust me--Arizona construction costs are down, not up, and an 82% increase is preposterous.

No one in the Homesite customer service department can help and I was told to send an email to "customer service" to escalate my case. No one has not bothered to respond to my email in over three weeks. As a former residential appraiser and bank construction loan officer, I am 100% confident that their replacement cost calculations are fraudulent. I provided them with the results of an online replacement cost calculator as well as a copy of a 2005 appraisal of the property that documented my contention. I feel that this dramatic increase in replacement costs constitutes blatant consumer fraud. I intend to pursue this through all avenues.

My homeowners policy with Homesite with Geico as agents increased by 30 per cent because they decided to use a different replacement calculator. However I was insulted when lied to by Geico employees, who were just attempting to protect Geico premiums and profits, and keep their jobs. Shame on Geico, because you disrespect your employees, and train them to be dishonest with clients, and steer them back to a Geico profit product. I was lied to when I was told, I could speak to a Homesite employee, and was just redirected to a Geico supervisor, who just danced me on the phone with the knowledge that she would, or could not help resolve the problem I was calling for. I never got to a Homesite person. I was a long time Geico customer. I now have to re-evaluate my relationship with Geico .

Homesite appears to be a group, or a secret company that just refinances insurance policies, that are serviced by agents, who are not company, or group connected, but use their existing client base, to expand profits, and hide behind an unknown entity. I worked for a service oriented company for over 35 years, and it's specially frustrating for me, when a group or company takes away the integrity of its employees, to maintain and increase profits. You be the judge. I may have to cancel my policy, and look elsewhere for a more honest coverage.

We first contacted Homesite, through Progressive, because I had been very happy with Progressive for a number of years with my auto insurance and we were purchasing a home and needed homeowner's insurance. Tyler H. with HomeSite was the representative who we worked with on purchasing the homeowner's policy. We explained to him that with a closing, there is a paper check that needs to be filled out and sent to the insurance company. He did not know the name of the payee and he did not know the address to which we should send the check. It took two days for him to find this information.

We overnighted him a check. He called over the Thanksgiving holiday but he called our work numbers and not our cell phone numbers and so he did not officially "process" our policy until December 1. When we called on December 1 and returned his calls, he accidentally cancelled our quote number and had to re-quote a new policy, which ended up being 180 dollars more than what we had sent the check for. He said he couldn't do anything about that, since the rates had gone up since the week before when we had mailed the check in to him. He refused to help us, even stated that he "took full responsibility" for the screw up, but that we were responsible for the extra cost.

I wish I had never gone with Progressive or HomeSite.

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.

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.

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.

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.

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.

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.

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.

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!

All issues I raised earlier have been resolved. If possible, I would like to retract the earlier complaints that I made about the company.

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 rented and paid for the moving trailer, he loaded and supervised all loading, he unloaded and supervised the unloading process, he placed the trailer on his driveway which had a 4 or 5 degree decline (which contributed to this accident), he supplied the ladder, he called for the ambulance, he reported this incident to his insurance company and stated to them that he was responsible in all areas. 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. I am now in medical debt and I am still in the healing process at 8 weeks.

I am writing to you for a relative of mine. She has the homeowners insurance. From what I understand, pipes broke underneath her home. The insurance company didn't cover the expenses, and now her patio room roof has been damaged by rains and winds. This insurance coverage that she has been paying for many years, what is the sense of paying for this so-called insurance that is supposed to help the consumer?

I use GMAC for home insurance whose underwriters are Homesite Insurance. My roof was severely damaged due to a freak hail storm in Austin on March 25th 2009. I filed a claim with GMAC on May 16th 2009 and Mandy ** was my claim adjuster. After reading the comments on this website, I was a little weary about what would happen to my claim but I was pleasantly surprised and the great service I received from Mandy. Not only did she calmly and very politely reply to all my emails (tons of them) but resolved the claim almost immediately. Great service and a great claims adjuster. Thank you Mandy ** and I will make sure I recommend your services to the next owner of my house in Austin, Texas.

They are a crooked company taking my clients insurance payments for 30 plus years and the firs time he and his wife make a claim they stiff him.

She recieved the receipt on the 7th of April. I hadn't heard from her so I called left a message and e-mailed her to see if she got the box. No return call or e-mail. I emailed and called again on the the 14th and 16th no response. On the 17th I called customer service and asked could I talk to someone over her and she appeared on the phone. She told me that they had not recieved my box yet and check next week.

Ok I checked with the USPS and the box was deleivered on April 10th. I called her and emailed her the info on 4/16/09 showing it was deleivered to homesite on the 4/10/09. The rep called me and said it may be there but it hasn't come to her yet and she will call me when she gets it. Time just going by I hadn't heard from her so I emailed her and called with no answer on 4/27/09. I called again 5/1/09 and she called me back saying she never got the box, I said well it was delieverd there on the 10th and she said she would have the package department look for it and for me to call her 5/4/09.

I called 5/4/09 and she called me back 5/5/09 saying that they didn't have the box and she was going to ask them to look for it again. I said what happens if you don't find it she said we will have to start on the claim and get as much as we can done it will pop up because it was deleivered here and they wouldn't through it away even if they didn't know who it went to. Remind you she has had my paper work emailed to her for weeks and she hasn't even started on my case.

I should have stayed with the other company I was with I switched because I wanted my car and home insurance with the same company progressive, big mistake. It has been over a month and she hasn't even started on my case. I tried to find another comapny so when this is over I can switch and no one will cover me because I have a claim. The claim is not resolved no where near it and I had to drop out of school temporarily because my computers where stolen and my modems.

When the claim was presented to her she was VERY RUDE TO MY MOM. I called her myself and for the damage that was done to 2 full bathrooms they sent my mom a check for 800.00 bucks to repair. The adjuster told us it would be around 3 to 4 thousand to get things back the way they were.

After having a couple of estimates done. We have been trying to contact Beverly with no answering of her phone, she never returns phone calls and I emailed her and she only put 3 words the adjuster will call. What is that. Then today when I requested to speak to her supervisor she finally calls back and is very nasty in the conversation. I asked her who did she think she was talking to and she kept on so I hung up on her.

I will not tolerate people speaking to me that way. Then when speaking with the lady on the customer service side. She tell me that the only thing I can do is call Beverly back she has nothing to do with them transfering my case. I will never do business with them again. Both bathroom are still a mess.

Wind storms in September knocked a tree on top of my house, knocked over another tree, which knocked off my gutter, and created flap-up on significant number of shingles.

They could not bring in an assessment team so I was instructed to find a contractor and send the estimates and any bills for the tree removal, etc. I initially was given a low estimate based on an assessor who only walked the perimeter of the house (never climbed to inspect the damage to the roof). After calling over-and-over again, I was finally given a different claims rep., which was very proactive and helped get the money for the gutter and the tree removal. But, the roof was still not considered, even after the estimate was given.

They send another assessor to inspect and I brought my contractor to help support the estimate claims. The assessor did not take photos or do sketches or measurements. He only looked around, watched the contractor walk him through the damages, and left. I was not given any visibility on this report, no follow-up came from the Homesite/Brightclaim for over a month, during which I also attempted to call several times.

I finally caught the original claims rep. and he explained that the roof cost would be $420. That doesn't cover 1 square foot of repare. Even though I substained damage from wind and a tree, I was shocked that the cost of 1 gutter would be higher than the roofing cost. I went to the Home Office and they claimed to forward on to supervisors and such, but I'm not holding my breath.

I'm still out of roof repair at $11,000, and still haven't seen a check for the $420 dollars. They have 35 employees and generate $11 million dollars in sales. No wonder when they don't pay out and won't let customers make a clean break when policy ends or cancelled.

In December of 2008 our roof shingles were damaged by wind. We have Progressive Homeowners Insurance which then underwrites our policy through Homesite. An adjuster came out and a few days later we receive a $800 check in the mail. This will not even come close to covering the cost to fix our roof. The adjuster recommended replacing a small portion of our entire roof (without even going up on the roof he was able to state dimensions and amounts of material needed) when clearly much more than that was damaged.

There are additional shingles that are lifing off the roof but because they have not completely blown off, the insurance will not cover these as damages. We received an estimate for our roof for $12,000. Also, if we only replace the portion of the roof that the insurance company/adjuster is recommending we will have two different types of shingles and roof colors. Insurance companies could care less about this, but obviously it's a big deal to homeowners.

This is not acceptable to me but Progressive, Homesite along with BrightClaims (adjusters office) will not return phone calls or listen to anything that I have to say. A check was cut and they think the deal is done. As a homeowner, payor of insurance premiums they think I have no say in the matter. Has anyone else had this experience and what have you done to resolve it?

My husband and I purchased a forclosed home in Commerce Michigan in Jan 2009. The home was empty for more than a year. The bank sent in a company to winterize the home, but when we moved in and turned on the water the pipes burst causing kitchen and dining room damage. The insurance company sent in an adjuster and contractors and submitted a bid of what the insurance company said was $20,000 too much. They then sent in a new contractor and weeks later sent us a check for $1100.00 for the repairs. This is not nearly enough to replace drywall, ceilings, cupboards,and paint for the two areas.

This all started in Jan 2009 and it is now nearly three months later and we still have a torn up kitchen and dining room. A big concern is the mold behind the walls and ceilings and my families health. My whole family has been having sinus issues, including our 2 year old son. I am new to dealing with this type of problem, so I would appreciate some direction on what I should do to get this resolved. We can not afford to do these massive repairs ourselves and I am not accepting this very unrealistic amount from the insurance company.

two areas.

My house got broken into on Dec 29, 2008. They got away with my laptop, digital camera, nintendo ds, a couple of ds games, cellphone and a few other things. It came to about $1600. I made the complaint the next day. I sent in all the papers to prove everything. I had to get the police report myself and send that in. They sent me a check for $300. I was floored. I couldn't believe it. It has not been a good experience. I thought thats why we have insurance in the first place to protect our valuables. I can't replace the pictures I had on my computer and camera.

I think soemthing should be done. After reading everyone's complaints I thought it was just me. But it's not. I lost a lot of money. It has set me back a great deal. I have to use my tax money to replace everything. I just want to replace what was taken. Thats all. Nothing more nothing less.

On May 9th, I got auto insurance with Progressive. They offered an additional discount with a Homeowner's Insurance as well. Progressive transferred me then by phone to Homesite Insurance to create a policy. They quoted $219 then billed my credit card on May 9th, 2008. I still had approx 6 months remaining on another homeowner's policy which I set aside to cancel upon getting the insurance documents/proof from Homesite.

Time passed. I asked the other insurance company for a cancellation. They asked that I provide proof of the date the other insurance became effective. I couldn't find any. I called Homesite (after finding the phone # on the credit card statement). They said I didn't have a policy, only a quote. Imagine my surprise to discover I was charged for one but didn't have a policy with them. It was still only a quote. They wanted to create a new policy (at now $250) and apply the payment from May 09, 2008. I told them No, I want a refund on Nov 20th. They told me it would take 7- 10 business days to receive it.

December 11th, I received a new policy. I called to ask why? They said the new policy was created temporarily in order to immediately cancel it. They told me to call back if I did not receive the Check by Dec. 4th. Today is Dec 4th. Kendra (They don't allow us to give out last names) told me that today was the 10th business day and that I should receive later this week or next week. Note that the newly created policy was mailed on Nov 24th and received by Dec. 1st. Additionally, when I don't put my policy # into the automated system I get connected right away to one of their telephone people. When I put my policy # in I stay on hold at least 10 minutes (at which point I gave up and called back in without the policy #, and was again immediately connected to a live person.)

I am still not reimbursed for a payment they charged over 6 months ago but provided absolutely no coverage for. Additionally, were it not for the remainder on the 1 year homeowner's policy with another company, I would have discovered I was without insurance for a period of over 5 months because they failed to turn my quote into a policy, after charging me the cost of the quote.

Update, still nothing from the insurance company. My house burnt down one month to the day. Homesite insurance company has left me and my small child without anything from them. It must be good for these people to sleep at night. To bad I can't.

Lucky I have people to help me out, feel sorry for the people that don't have anyone to back them up. (Friends and Family) (I thought that was what Insurance was for)

When I was making arrangements to purchase a new home in August, I was shopping around for the best deal on home insurance and had contacted Progressive, the company with which I had an insurance policy for my car insurance, for a quote for home insurance. The amount of coverage seemed inadequate, so I consulted with my mortgage broker, Jim Dobier, about it. He said the coverage was too low, and he called them for me. Apparently, Progressive does their home insurance through a company called Homesite - and Jim and I both thought we were still talking to Progressive. The rep Jim spoke to would not adjust the rates, so I did not agree to a policy with whomever, and instead I took out a policy with Farmer's Insurance.

Last week, I received a notice from Homesite Insurance that my "policy" was being cancelled because I had not paid the $305.00 I still owe them!

Here is Jim's accounting of the interaction with Homesite Insurance (whom we both thought was Progressive):

"Here are the facts from the conversations I am aware of:

1. Per standard procedures, I did request an Evidence of Insurance statement from the Homesite Group and received a copy of the Quote on 8/27/2008 at 3:05:58 PM with a dwelling coverage amount of $133,000, and a premium amount of $289.00. It was determined at that point, that the coverage was inadequate for the required minimum amount of coverage required by the lender, which was $227,000. I received a fax from Homesite that same day, 8/27/2008, at 6:02:43 PM, a copy of Evidence of Insurance for Policy Number, in the wrong dwelling coverage amount of $135,000. The policy effective date was to be 09/23/2008. This policy was to be funded through closing on that specific day.

2. Upon contacting Homesite several times, Homesite refused to adjust the dwelling coverage to the required minimum amount, and could not be authorized as the Homeowner's Insurance provider. On my recommendation, you contracted a different insurer, who did in fact meet the lender requirements for dwelling coverage. To my knowledge, you did not authorize the quote to be moved to policy status, and that authorization cannot be made by me or anyone else, per Homesite policies.

3. This policy was not authorized, nor funded at closing, as it was communicated to Homesite that the coverages were inadequate.

Please be assured that Envisions Group will support the resolution of this error by Homesite by providing you everything we can. I am very sorry that you have to deal with this problem.

I called today to see make sure everything was in order and to discuss what Jim said they needed to straighten out with me personally. After waiting on hold for about 15 minutes, I spoke to Jennifer Epstein, who said they mailed me my policy, and that it's valid. She robotically repeated that the company had informed me of my policy status via postal mail 4x. I said that if I had received anything at either my new or old address, since I never even heard of Homesite and never agreed to any coverage with Progressive, I probably thought it was junk mail and threw it out. I had cancelled my Progressive auto policy that same week in August and got coverage on my car with Farmer's as well.

Obviously, I'm not paying for a policy I never agreed to - and not only don't I want this to spoil my excellent credit history - but I thought that Consumer Affairs ought to be made aware of Homesite's reprehensibly deceptive way of conducting business, their lousy customer service, and Progressive's less than effective relationship with Homesite. Please let me know what can be done or if you need me to press some kind of charges or provide additional testimonial to make sure they don't get away with operating in this manner.

I have making my payments by phone for my homeowners insurance each month. I am currently up to date and due for November 15th. I called today to make my payment and was told that my policy has been cancelled because my house is in foreclosure. Can they do that? I have not been late with any of my payments and we are currently working with our mortgage company to re negotiate our payments. What recourse do we have?

My house was destroyed by a fire, a totla loss this week. These insurance people said they wont give me money right now for living expenses, ect.. We pay for insurance to help us when something bad goes on, and these people are not.

Canceled policy suddenly after passing initial property inspection claiming poor roof. I believe that there is some type of collusion between same and mortgage company or some other agents in order to frustrate our continued possession of the house. This is 2nd company to do this. First one did it claiming that we have dangerous dogs in the house. We have never filed a claim against homeowners policy for any reason ever.

Did not offer to retain coverage is 2nd inspector approved or the roof was replaced. This raises suspicion of some type of hidden agenda. This is the 2nd company to suddenly cancel like this. This is very inconvenient to have to find new coverage again. Very, very aggravating.

have been a loyal paying customer to them since aig quit selling homeowners insurance, for 3 years. all of a sudden my rates double for no reason. no claims. asked for reason. still have not heard from them, i will let state of pa ins comm. know about them.

last year I purchased insurance with homesite insurance and had my monthly premium deducted directly from my bank account. I ended up switching to farmers insurance and canceling with homesite. recently I noticed a $37.00 charge on my bank statements when I called to find out what this was about they told me it was a past due amount and that it would be canceled after that.

well now its been months later and they are still charging my account and when I try calling I am left on hold for hours and get transferred from one person to the next. this is completly outrages I honestly believe that this comapany does not exist and its fraud what they are doing!

as a result I have been charged overdraft fees by my bank because I do not count on this getting taken out every month from it. so I ended up closing my bank account that I've had for years!

I tried to contact Homesite (my homeowner's hazard insurance company) and was left on hold for hours. No one replies, no one calls back. I was threated by GMAC that I would be charaged $2,000 because Homesite would not provide proof of insurance. When in fact I was insured.

I am starting to believe that there is no Homesite insurance. That it is a fraud and only takes my money. But I am unable to call or contact anyone at the company -- they never answer their phones. They have no customer service department either. they have put people on hold and play background music and occasional voice announcements that someone will be with you . . and calls are taken in order!

I am starting to believe that there is no Homesite insurance. That it is a fraud and only takes my money. But I am unable to call or contact anyone at the company -- they never answer their phones. They have no customer service department either. they have put people on hold and play background music and occasional voice announcements that someone will be with you and calls are taken in order! Don't buy insurance through this company. Bad news!

My house was 1/2 mile from where a tornado went through Hugo, MN on May 25, 2008. There was a large hailstorm immediately following the tornado. The hail was golf ball size. There are at least 50 holes on three sides of my siding. My roof, deck and shed all have severe damage. I have 3 estimates ranging from $16,000 - $19,500. My immediate neighbor, who is about 25 feet to my left, received $16,000 from State Farm Two weeks after filing my claim, I called to ask my insurane company about my claim. They said the would be sending me a check for $500!!! I asked why and they said my deductible was so high.

They did change my deductible from $500 to 2% on the last policy change. This is a whole different story. They did approve it with the state of Minnesota, but never clearly informed their customers they were doing this. They basically just snuck it in the policy renewal. The insurance commissioner had started a list of names with people who were complaining about this, but he did determine that it was legal. But it is not ethical or moral!

So back to the the other story, so even with the $4,200 deductible, I still should have received at least $12,000, instead they said my check would be $500.

I had dealt with this company in the past. I fought with them for 10 months over another claim and got nowhere but frustrated. I had actually been in the tornado.

I was in the middle of the tornado on May 25,2008. I was driving home with my 17 month old daughter and my truck was thrown through the air like a billboard and landed 100 feet out in a field. So I knew I had the ability to get this on the news. And from dealing with this company in the past, I knew I was going to need all the help I could get. So I went to Fox, they aired the story, but Homesite would not return Fox's calls. But I did receive a call from the VP of Homesite, who offered me about $5,000. I refused the offer. He then told me he was recording me and that I was trying to blackmail his company and that I had also made false claims in the past. My last claim was very legitimate, but they never would pay on that one. I hear these are some of the oldest intimidation tactics in the book.

GMAC is starting to get involved now that I have made enough noise. They are starting to talk to Homesite. But Homesite is absolutely unbelievable. The story is so ridiculous it is almost unbelievable, but unfortunately for me it is true. I was trying to get past the trauma of being in the tornado and helping my daughter deal with some fears she had developed, but now instead I am dealing with all of this.

I was referred to Homesite Homeowner Insurance by my auto insurance carrier (Progressive). I gave the rep all the details of the property and received a quote of $476 over the phone, which I thought was great because it's half of what I now pay. As promised, an email confirming the conversation was sent; however, the quote had risen to $619. When I attempted to reply to their hyperlink for an explanation, I got error messages. I searched the web and found a website for Homeowners and asked them why the difference in the quotes. After two weeks, I have not received an answer.

I was going to cancel my current policy, but wanted to firm it up with Homestead first. Glad I held off doing so.

On Sunday Feb. 10th, 2008, due to high velocity winds, the siding of my house and some singles from the roof were blown away. My house is less than 3 years old, and I am the original owner of the house. The insurance document clearly states that we have a deductible of $1000, and wind and hail damage of 2%. I called the company on Sunday and was told that an adjuster will contact me on Monday. I was contacted and was told that this does not apply. I was told that I am covered for anything over $9000; hence, I am responsible for the first $9000. My question is that, what does the 2% on the insurance document mean? This is called ripping someone off cleanly. You tell them something and do something else.

I was given an estimate of $5000 roughly. This covers the roof and the siding.

Homesite Insurance doubled my premium from $1,388.00 for 2007 to $2,768.00 for 2008 for no reason what-so-ever. I've made no claim, I've paid loyally for 3 years to them, even installed an alarm system and still, they've doubled my insurance! Is this what companies in America are all about anymore--ripping off the customer once they get them in the door? Raising the rates 10-15% per year is high, but understandable considering the natural disasters in the past 10 years, but doubling for no reason other than taking advantage of some small state rate hikes is unholy to put it best.

I'm going to immediately look for a new insurance company tomorrow morning! This is unbelievable. I'm also going to contact my state representatives and report them to the insurance regulatory commission in Columbia, SC.

Your company enlisted contracts that were not acceptable according to your underwriters which means those contracts were null and void. Due to that a customer is entitled to full refund on all policy written on said contracts. And customer is requesting this.

Had to pay for own roof repairs, had to enlist another home insurance policy worth only 40,000 instead of the recommended 150,000 which was the ammount insured from that company. Had to pay higher premium due to them saying losses were reported but they never paid on any claims.

Said company submitted a cancellation on our policy due to the underwriters for the following reasons; debrea around premises, no stairs or hand rails on property, and the roof and chimney was classified as worn and deterring.

We contacted the company and requested reconsideration due to the fact we have been a customer since April 2004. Latter we had several roofers inspect the home's roof and chimney. All the roofers verified that the roof had hail damage from recent and past storms. We contacted the company and filed a loss report. Note this property has had this same company since April 2004 to the present. With one of the prior policy being 30153293. There were no claims from us on this property, but it was brought to our attention that the prior owners had filed a claim and they refused our claim due to the prior owners claim.

In the photos we sent to the company, before we replace the roof you could clearly see that the roof had prior repairs. Refering to the different colored shingles in said photos.. Note we also did all the corrections of the underwriters issues and they refused to reinstate our policy on our residence. Note I enclosed the photos to verify those corrections were made in the time prior to the cancellation date of 6/23/2007. I am requesting this company to be investigated for unfair business practice, consumer fraud and breach of contract.

Also their refusal to pay on our claim #1056608 was unfair and unjustified when roofers verified hail damage past and present. It was also clearly visible that repairs were done by the prior owners and I have verified I was a prior customer since April 2004 and various storms have occurred in that time era. I would also request this to be turned over to other investigating agencies on Home Insurance Issues to avoid this occurring to other potential customers. This company unfair practices should result in the loss of their license and refund to the customers they attempt to scam. Thank you for your assistance in this matter and hopefully this issue may be resolved.