AAA Homeowners Insurance

My claim experience was so bad that, when I cancelled the policy, the agent who sold me the policy told me he probably would have done the same thing. The whole process took about six months and the desk adjuster repeatedly ignored me, so I often had to ask my agent to contact her for me. After a hailstorm, AAA agreed to replace half of the roof (overlooking hail damage on the other half) and told me to repair the siding, but wouldn't replace it. That type of siding was no longer manufactured and, after repeatedly explaining this to the desk adjuster, I threatened to file a secondary claim because the interior water damage was visibly worsening. She still refused to replace the other half of the roof and changed the reason every time we sent in pictures to answer the previous reason. She also refused to issue a denial of the supplement request and told me in writing that she would not issue a denial letter.

My parents have been with AAA for 57 years and have all of their insurance with AAA (car, home, blanket). They live in Orange County Southern California, where we have been experiencing extreme rain and storm damage. Their roof started leaking when the rain season started, and in addition to the roof damage there is considerable water damage to portions of the interior of the house (ceiling collapse, walls, wood flooring).

I just received a cancellation notice because of “4 not-at-fault “ incidents. I have had AAA as my carrier for several years, with a bundle home/auto policy. I have never made a flood/hurricane/fire/robbery claim in that entire time. The 4 “not-at-fault” incidents are all auto: 1 was a rear end collision and his insurance covered it in total, the other 3 are WINDSHIELD REPAIR!!! REPAIR, NOT REPLACE…EACH TAKING 5 MINUTES OR SO. I thought I was doing the responsible thing by reporting when there was just a little chip so that it could be repaired and not replaced which would be costlier!!!

Hail storm in 2016. All of my neighbors got new roofs and mine was significantly damaged according to a local roofing expert. AAA sent two adjusters both of whom must have been blind because they both said "no damage." Problem is, my roofer took pictures of all the damage. Yet, they still denied the claim. After I kept appealing the denial, AAA eventually gave me money for hail damage to my aluminum siding. Imagine that, the hail damaged the sides of my house but completely missed my roof according to AAA. AAA will be glad to collect your premiums but good luck getting them to pay a claim.

I have been with AAA for better than 6 years. Last year I had a small kitchen fire. It took the claims person 8 months to approve my contractor's proposal. He had to rewrite it 7 times. Took months for the claims person to approve it. Then the claims person told me my contractor's prices were too high. These last 11 months have been hell. I am still living in boxes because of them. Once I get my home back to where it was, I am going to drop them like a hot plate. I thought going to AAA, being a good name was the way to go. Wrong!!! Never again.

After months of their losing papers and giving incorrect information the State of TX had to intercede to force them to non activated policy. This company has independent groups and rules and the kept sending my call to California. I have sent proof of insurance with another company and out of spite they turned over a bill to collection that is going to court. AAA states they can not stop it even though they admit I had another company. It has been a horrible experience for over a year. I can not go to court due to an issue that may require a leg amputation. Do not use this company. The agents tell you there is coverage that is not there. If it takes months to go through all the required photos and documents, I can not imagine how bad and slow their claims process is. The current response is that once in collection there is nothing they can do to stop it. No way to cancel even with proof of their fraud.

I recently switched insurance companies from Geico to AAA to save money. Ali at the Bakersfield office was very helpful and courteous. He gave me a good price so I agreed to switch. Three weeks later I get an email from his underwriter telling me they made a mistake and my policy was going up by $560. Needless to say I was furious. Why do I have to pay for their mistakes? Now I am stuck with a higher bill than I was paying before, after all the headache of switching over. Stay away from this company. They drastically over insure so they can charge you more money.

Have been a AAA member for over 30 years, with AAA auto policies and homeowner's. In November of 2021, my premium increased by 50%, having not increased significantly for a number of years. My renewal notice shows that my HO premium is increasing by an additional 80% for the coming year. When I called to find out why I am being overcharged, I was told there was nothing to be done, other than increasing my deductible. No discounts for smoke detectors, no claims, or any of the other discounts listed on the CA summary page. I was told that because construction costs had increased and because of fires, my premium increased by 120% in a 3-month period. I am actively shopping for a new carrier...

I would rate them -1 star if I could. I I have had them for 10 years, 2 vehicles and home insurance, I have never filed a claim until now! The Huntsville Al branch is the laziest people in the world, especially "Amy **". Me and my family have been without water since Oct 2021, we are using the neighbor's showers as the pipe is busted underneath the slab and pours water into my home. Their policy says they are entitled to provide access to the leak but they refuse because it's underneath my kitchen cabinets and tiled floor. I have had to contact a lawyer and the health dept. Please, I beg you guys to not use AAA as your insurance company, you will regret your decision! They will NOT help you, they are liars and thieves! Take your money elsewhere because with AAA you can not rest at night knowing they got your back because they DO NOT! I have warned you!

I called AAA to purchase homeowner insurance. Made $1400 payment in full, signed document online and agent said they will provide evidence of insurance (EOI) so I could close my loan. After that, I couldn't get a hold of that agent to get my EOI despite multiple tried. Then I called customer service line, they couldn't get a hold of him, gave me his supervisor info. Of course, no one could get a hold of him either. After several calls, reps and supervisor kept telling me because it takes weeks for it to show in system that's why they can't get EOI for me other than the original agent and his sụp. And then kept telling me it will be escalated.