AAA Homeowners Insurance Reviews

Fast forward 11 months and I go to file a claim and was told it wasn't covered. Turns out the only thing covered is Fire, theft, burglary, water damage if it's to my personal property and a few other natural disaster events, oh and someone gets hurt while they are at my house. When the salesman sold me the policy, he said that my personal belongings were covered up to $20,000 if they were damaged or stolen. He never mentioned that it was only for very specific causes of damages. How is this even legal to sell things without being upfront about what is really covered.

My apartment was exterminated and the chemicals that were used were not EPA approved and so we lost almost everything we owned and Triple A said, "Sorry it's not covered by your policy." Oh and when you buy your policy, supposedly, they can't email you the contract of what is and what is not covered. It has to be mailed to you. I never received a contract in the mail so I can only go by what they are telling me over the phone. I have no proof of what I was told and can't access the email because the code is only good for a few days then expires and the codes are computer generated so no one knows them. After this event and them not paying for another claim we canceled all of our insurance with them. Something needs to be done to stop this company from taking advantage of so many people.

The second time they had someone come and take pictures again, everything was clean, my yard was completed. I called today 06/15/18 to see what was going on. The underwriters apparently told my Franklin that my house was in disrepair and was not insurable but they would not give any other explanation. So ultimately they canceled my policy. I canceled my membership, auto, and well my homeowners was already canceled without warning. NEVER EVER GO WITH AAA. Their underwriters are very rude and really invasive. They buttered me up in April just to cancel me 2 months later. It was obvious they had no business or interest in actually insuring my house. It seems that they just want some quick, no work money. I feel sorry for the customer service and insurance agents because they try hard to get some money by getting policies and I had no issues except them making excuses for the underwriters' behavior.

First leak detection plumber walked over the squishy area and agreed it sounded like water. Plus he pointed out the tile flooring was raised up and moved when you walked on it. He checked all over the area but found no water seeping between the tiles or wet baseboards. He wanted to check behind our wet bar wall for water leaking. He also checked the water pressure, shuts off the incoming water to the house and put a gauge on. He notes a slight variance in water pressure. He cameras our clean out drain and does not see any leaks. He drills a hole into the raised floor grout and air blows out.

3rd party field rep returns for follow up and said no leak was found by the plumber. No one drills into the squishy tiled area to check if there is water there. Meanwhile, the squishy floor and raised area continues to increase in size. We are thinking the first plumber will come back to check behind the wet bar wall which is the closest water source to the problem area. He never returns. Two weeks later we get a letter from AAA stating we have a slab leak and they don't cover slab leaks. What slab leak are they talking about???

April, 2018, call AAA claims about their letter. We are surprised they report it's a slab leak. I ask them to send plumber again to show us the slab leak. New leak detection plumber comes out. He retests the water pressure and states no change in water pressure was found. He won't drill into the squishy floor to find out why it squishes.

Finally, May, 2018, a letter from AAA arrives stating we have a slab leak (with zero physically proof) and they don't fix slab leaks. AAA claims the recent rains caused the problem of water seeping into the slab. Plus the house was still settling. Also the problem area is in a high traffic area which caused the tiles to loosen and raise up. We are extremely disappointed with AAA. The tile floor is in the kitchen, family room, laundry room, all areas of high traffic. AAA NEVER physically proved it is a slab leak. They only proved they will not determine why the floor is squishy and raised. AAA left us to fend for ourselves. What's the point of having homeowners insurance with them? Are there better ones out there?

We spent about $4300 on the emergency service and nearly $10K to the repair guys, what facts on Earth she made that judgement that we couldn't get any coverage? The repair company had video and photos (before and after) and detailed breakdowns, she never even looked at... what is the insurance for? ONLY premium payments, everybody is happy until you need help on a claim. NO MORE AAA! If I can rate the 0 star, I would.

I was recommended him. He told her all my damages and his services. He could do it today. She told him not to touch anything they go thru only and recommended SERVPRO. Said a adjuster was 3 hours away in which I asked the man when I called it in, "Will I have one local?" He said yes. That was a lie. He is 3 hours away. She said, "And don't touch nothing till he gets here." My contractor got mad and left. So did she say I can't get who I wanted? She talked to him, listened to all he can do, called back, told him do not touch anything. Didn't want anything tampered with till the adjuster gets there then call another business.

She then sent SERVPRO guy out not to do a estimate but to call her back as proof. He said that it was as I said then he normally charge 250 to come out that she said she will pay him just to come see. No adjuster heard from yet??? In the freaking meanwhile my brand new carpet and bedroom sets etc. clothes and shoes got wet. Still sitting on wet padding under wet carpet. Wall siding swelling, hardwood have water lifts and carpet buckling. Why in the did I change home insurance. They trust I pay on time but this service ran out of town on someone else judgment. I GUESS SHE THOUGHT I WAS LYING. WOW.

The agent set up a date for "agents" to come to my house and examine the property. I stayed home that day, but no one showed up. However, someone claiming to be with AAA arrived at my first house for "examination and photos." That house is for sale and the realtor let her in. It is now Nov. 13 and after repeated calls to numerous AAA personnel, leaving voicemails and getting no responses, I called their national "emergency" number. That agent was polite and said he would set up an examination date as soon as possible before the cancellation date, but still offered no explanation. This is the worst case of customer disrespect and abuse by a supposedly legitimate company I have ever heard of. Must be time to change, they don't seem to want my business.

I asked Ms. ** who and when as this situation was urgent, and she was doing nothing but YELLING at me as if I had no right to speaking to her anymore and that It's my problem not hers... or AAA. I then received a call from another Rude person (Donna **). As I tried to explain my situation to her and what had happened, when she didn't allow me to finish my conversation before she interrupted me and explained that she will ALLOW me to finish my conversation, so she can proceed to the next customer (she had also said that she doesn't work Sundays and that they call customers accordingly and that she can't control at what time she can call anyone back). Again being Rude. Donna proceeded to explain that I will get a call from an Emergency Service Team within 1-2 hours. Mind you I spoke to Donna about 10:30 am so I can get this ball rolling.

I did not get a call from anyone and now it's 2:30 pm Monday 13th in the afternoon, over 24 hours since the water damage. I called back got Donna voicemail which stated she will call back in 24 hours. OMG, I got really mad and called her supervisor- Mr. Al **. Got his voice mail. Left him my number, case number and asked for a return call. Well Never received a call either from him. I did what thought was best for me. I called my own Emergency Service for water damage, and scheduled my own appt for Tuesday 8 am. I then got a call from a company that apparently was from the Insurance company's Emergency Service at 4:30 pm Monday 13th, 2017. I asked the gentlemen what did it take him 24 hours to call me. He stated that he just got the information from AAA about 3:30 pm and was given the wrong number, and he had to call them back to get my correct number... (WHAT A JOKE).

I am looking for the address of the Headquarters of AAA, for this branch that these people work at as I need to let management know what is going on, which I'm sure is not the first time that this has happened with this group of people. DO NOT HIRE AAA (KEYSTONE) AS YOUR HOME OR AUTO CARRIER.

We finally got a call of a settlement of $6,000 on Sept. 29th (25 days to get that to us!) and it was about a third of what 3 contractors told us was needed. We told her that on the phone and she said to submit the bids. We got the $6000 check on Oct. 4th. Submitted a contractor bid on Oct. 18th (it took him that long to fit us in) and now it's in "review" and they will not email or call us to let us know what is happening. It's now Nov. 2nd and we are hearing crickets. Worst customer service ever. And since they are in Oklahoma, they send out an inspector so there is no one local to even talk to when you need help. The adjustor is on a different time zone so that is also a factor in trying to call in between working hours. I cannot believe they won't return emails or phone calls. I hate to get a lawyer because of the expense but we don't have a choice, it seems. RUN, RUN as fast you can away from AAA Homeowners Insurance.

The second adjuster came along and from the beginning suggested that we go to court and get a judge to write an order stating the non-cooperation of the neighbor is making it hard to get to the source of the problem. So we immediately knew he was not on our side. He said the Leak Detection people couldn't do anything unless the neighbor cooperated. He said he would submit a report within 5 days. Two weeks went by and there was no call or feedback from them. Once again I called and left a message because apparently Jonathan **, the claims person is never available to take calls. So I sent him an email to respond with a feedback. He called later in the day to say there was a system error and the second adjuster could not submit the report and I should hear from CSAA in the next two days. It has been 6 weeks since the claim was opened and nothing has been done.

Now we know that the excuse of the first adjuster's loss of information and photos were all a hoax. They did not want to spend money to send Leak Detection Services. First reason was loss of information and the second reason was system error. We pay premiums for years, decades and this is how they deal with customers. I will never recommend CSAA to anybody again.

However, a month or so ago our insurance was due to renew. Our policy cost went up and when I asked why I was told that this was automatic when a claim is filed and that the cost of our policy would be increased for two years, standard procedure. We feel this is not exactly playing fair. I pay policy premiums for 20 plus years but file one claim and it's an automatic $$ raise in policy premiums? Not happy with that at all. Oh and NEVER rent a pod. After the break in we kept a watchful eye on it and attempted break ins were repeated. At least 3 more padlocks were broken before we got rid of it. Never again.

That is when the CSAA reviewer recommended the contractor engage ITEL to locate the same floor somewhere in the US and use it to affect the repairs. Unfortunately, ours is a glued down, tongue and groove, flooring system. It is impossible to simply remove and replace a section of floor in the middle of a room. In addition the floor is continuous no breaks no thresholds. Next, the reviewer recommended my contractor rework the floor planks by removing the tongue and groove. Seriously? A person with even the slightest knowledge (forget common sense) would never propose such a ridiculous option. The floor distributor issued an opinion saying the alteration CSAA recommends alters the product from its original design defeating the purpose of the tongue and groove system. It also voids the flooring warranty.

A short while ago I spoke with the adjuster (withholding her name out of respect for our profession). The adjuster confirmed she has received everything she needs from the contractor, the distributor and me. Now the next step is to go back to the mystery reviewer to be sure he agrees with the contractor and the distributor. In addition, the adjuster will not even provide me with a definitive time line for resolution of the claim.

Obviously, CSAA does not plan to honor the promise they made to us. Clearly, they would not care less about our property or us. They will continue with the borderline unfair claims practices. But Newsflash! CSAA I will NOT go away. And for every minute of irritation and frustration you cause me, I will cause you bad publicity, loss of goodwill and future revenues tenfold.

Currently, I am trying to collect from a massive home flood (7 days of a broken refill valve in an upstairs bathroom causing 90,000 gallons to water to cascade down the walls and break apart ceilings). The total $$ damage was about $90,000 (rough estimate), and at least $35,000 in personal property. My policy provides for full replacement, although it doesn't seems that they are paying attention to that detail.

When I came home from a week away (half my home had been destroyed from the flooding), I found out that AAA had terminated my HO insurance nearly three years prior when my ex and I separated. They took it upon themselves to change the policy name to her name and the address to her address. Then because they decided that my home was not being occupied (I had concurrent roadside assist and auto insurance to the same address), they sent her a note that the policy was being terminated. She called them and told me what was happening (I didn't remember any of this until I looked through our old records), and she informed them of their mistake. They were not convinced, so I called to confirm, and never heard anything since then. AAA cancelled the insurance anyway.

It took two months for the state Dept of Banking to adjucate that AAA needed to reinstate me. By that time, I had already contracted for much of the repairs. Never-the-less, they sent people to look at the damage. But, I was told that they would not look at the hundreds of photos which I or other family members took as they loaded two dumpsters with destroyed items. Nor would they examine photos of the furniture as it looked prior to the flood.

Consequently, they were willing to pay me $1500 for an antique double drop-leaf dining room table, but when I showed them two photos of exact duplicate tables being sold for $5000 (a third table was offered for $9000), they decided that I was being uncooperative and they insisted I get an outside Appraiser. Oops, I'm jumping ahead of the story because that happened three years after the flood. Yes, they procrastinated for two years by not answering my questions before they basically quit paying for any further claims.

I spent over one year trying to get them to itemize an $11K supplemental check they sent me when I pointed out that they had not included a number of repairs in their estimate (how could they? When they were not there to see that actual damage when had occurred or the quality of the kitchen cabinets?) For instance, they had estimated about $10K for kitchen cabinet repairs, but it cost me nearly $20K. When they finally sent me a copy of their original estimate with the changed lines highlighted, I pointed out that the changes didn't equal the check amount, they ignored my letter.

When it was clear that I would never get an exact accounting of their check (NJ law requires an easy-to-understand itemization of payments), I submitted the remaining home repair receipts only to learn that they had closed the case for home repairs (even though I had told them there were more receipts pending). I am still trying to get them to pay for the remaining amount. I should point out that they have no qualms about lying to me.

They were only willing to pay $200 to repair my hardwood foyer (they assumed depreciation, because they were unaware that my floor looked great because I had it redone 2 years prior), and all the estimates were $1000. So I insisted they send their own guy out to do the job. Eventually (6 months later), a guy came out who said that not only would I need a new floor, but might need to replace part of the subfloor. I told him to go ahead and get the job done.

When I didn't hear anything for four months, one of the adjusters suggested that I get my own guy to replace the floor, and the adjuster gave the OK to the preliminary estimate. When I contacted AAA two months after the job was completed to find out why they were balking at paying the floor guy, I asked what happened to the guy they sent out. I was told that he had submitted a proposal to me and was waiting for me to decide when floor color to use. When I contacted the guy's company, they told me that they had send a proposal to AAA only and were waiting to hear back from them. I caught the guy in an outright lie! I could tell more anecdotes, but I think you get the general idea.

Before my last receipts for home repairs had been examined, AAA offered me $18K to settle. I turned it down because they neglected to include the home repairs and any other expenses I had which they subsequently decided they weren't going to pay for. I retained an attorney and consulted a number of other attorneys. Basically, I probably don't have a legal case because the statute has passed.

The AAA point guy decided to continue to contact me directly until a few weeks ago when he must have decided that I am stirring up too much dirt by contacting the adjusters also, so he wrote to my attorney (and copied me) that my attorney was to tell me not to contact anyone from AAA directly. HA! I told him that he never bothered to have the AAA attorney contact my attorney, he was the one who decided that it was OK for a lay person (me) to speak to him, and it was obviously OK for him to speak to my attorney.

Over six months ago, AAA offered to continue negotiating with me or to have us both engage the services of professional Appraisers. I told the point guy that I wanted to continue to negotiate (we hadn't negotiated much at all, in fact), but he then ignored that he offered me this option. Every response from him now is calling for my Appraiser. I have offered to accept his prior offer of $18K (which was exactly the amount of money they had planned to pay me when, and if, I replaced all the items I had lost), but despite email evidence, he is denying he made this offer.

I have no plans to replace ALL the items which were destroyed in the flood. My needs have changed (for instance, I am now single with no children living here), so it would be stupid for me to purchase the full sized dining room furniture I used to have. But, my policy guarantees full replacement value, and they are unwilling to pay me more than the value of the wood planks. I would never ever again do business with AAA. When I was younger, AAA was known for its great customer service and its superior service. Clearly, they no longer wish to live up to their reputation.

In January 2017, our house in Michigan had a pipe burst 12 hours before the closing of a sale. It seemed impossible that this could happen... the one in a million. We were devastated. Within the hour we called AAA and submitted the claim with hope that they would help us repair the water damage allowing us to get it back on the market to sell. The water damage was extensive and ran down all 4 levels of the house. Mitigators came, dried it out, and gutted everything that detected moisture. We were left with a house that required $80,000-$100,000 in renovations.

We immediately felt resistance from AAA with a letter questioning ownership (deed in our name) and occupation (house cleared for new owners 4 days prior) that escalated into them requesting we appear in March for an Examination Under Oath (EUO). It became necessary to hire a Public Adjuster and Lawyer. We cooperated with every request that included providing over 50 pages of supporting documents and appearing at the EUO for over 5 hours of interrogation. They procrastinated any response until we received a denial letter in July. This denial letter came after 3 months of continued procrastination all while our lawyer inquired with them on 6 separate occasions.

6 months of waiting, spending $8,000 in accumulated expenses, for them to formulate a denial that could have been done 5 months prior, with a house that is stuck in purgatory, in a condition that we could not reside in, with mortgage, electric, gas, water/sewer, tax, and insurance payments that we continued to make. We don't have the patience to sue and wait another year or two so we now have to cover the entire bill ourselves to renovate it back to selling condition. Who has an extra $80,000-$100,000 to throw into something like this? Nobody, because you anticipate that you will never be in this situation because you have insurance to protect you.

Don't have false security under AAA. We are done with them and are changing all 5 of our policies. Seems like we are not alone with this in reading over 3000 complaints. Laws need to change to stop protecting the corporations and screwing the paying client. It's fraud. They are raping us and it's legal. Not sure what insurance company to turn to next... maybe they are all the same.

A couple of weeks later I receive another check in the amount of $396.00 instead of $442.00... Call them again and this time the mistake was on the date of cancellation, which was Feb. 8th (they calculated it based on Feb. 28th... Who knows why as my first check was issued on Feb. 17th)... At this point the person tells me that she will have to repeat the same steps in order for them to reissue another check (I asked her if I could keep that check and have them mail me the difference... And her answer is NO)... So I decided to seat on the missing $46.00 and I will never use them again and I will let everybody know that they cheat you out of your money in a very condescending way... Good and honest customer service is a thing of the past in this country.

I called AAA to file a claim, I was informed at that time the deductible had increased from the 1,000 to 1 percent of the value I have my home insured for. AAA currently has my home insured for 462,000, meaning my deductible is now 4,620.00 dollars over half the cost of a new roof. In the 20 years I have been with AAA I have watched my premiums more than double, which I accepted because of the great care I had received in the past. When I asked about the deductible increase I was told that it would have been in my annual statement back in 2015. I'm extremely disappointed that my agent Mike ** did not even have the courage to call and let me know in person. After this I will be looking for another insurance company that is for sure. What is even more upsetting is the fact I was told that it could take up to 22 business days to get an adjuster out to look at the damage, leaving my home open to the elements. Are you freaking kidding me.

Wells Fargo again sent me all the documentation, this is the third time. And again I forwarded it to AAA. Someone keeps dropping the ball and losing my documents. It clearly states my escrow account payments and that I did not owe. When I sold my house I sent this documentation with a letter from Wells Fargo stating I was paid in full. I can't seem to get anyone to answer the phone, or return my calls. I told them I was going to drive up to Nebraska and take them to lunch to explain if needed to, like people used to handle a problem...

I cannot get a call back from my actual adjuster. I'm just getting the runaround from people in the Catastrophe department who are trying to nickel and dime us. They are extremely rude, unintelligent, and de-humanizing. I've got a hole in my house and water damage right under the hole. They insist that this water damage is caused by "seeping" in the foundation - even though they are looking at pictures of a hole right above the water damage. The best I get in response from Mr. Ty ** is "we're going to have to agree to disagree."

This is an absolute nightmare. I have no idea what happened to the AAA that used to be. We pay for homeowners insurance for a reason, and have been willing to pay AAA a little more than other companies because of the great customer service they have always provided. But that customer service is no more. We are absolutely going to be going with another company as soon as this is wrapped up.

I appealed 4 times to try and reach someone with a half a brain who could logically work it out and realize that the real risk of water damage is actually now much less that it was previously to no avail. I canceled my policy and got a quote from Geico. I disclosed the water damage claim in my application and not only was the coverage matched with the $500 deductible but it was also a lower Premium. Do not use AAA homeowners or renters insurance. No one in their underwriting department has a brain that they can use!!!

I feel and smell a LAWSUIT! My husband is a lawyer and he is GOOD at what he does. I will NOT put up with this. I have read the many disturbing claims from homeowners who thought they could TRUST AAA and I see that there is a HUGE problem here. Hmmm, maybe a CLASS ACTION LAWSUIT? That would taste GOOD!

When I called AAA Kris was unprofessional and rude. He told me he did not receive the report from Service Master and would like to see it. I said how can you take a position without reviewing all the facts so I sent it on to him. He called a few days later and was rude again stating the claim was denied because the sump line broke outside of the home creating the water issue, I stated that was not 100% correct as the sump bucket and drain caused some of the water issues as well. I asked if I could speak to his manager and he said no but gave me his number, and then stated, "You do whatever you want to do. The claim is denied." I could not believe the treatment and quickly realized the treatment my elderly mother received from the AAA team. If you are a senior, stay away from this company. They are not helpful and you are paying insurance premiums for a policy that doesn't protect you. Beware!

7 weeks after the inspection I received a very curt letter informing me my home "did not meet their criteria" and my policy was being cancelled! There were 4 very minor issues listing "damaged" soffits & siding and a "missing" section of gutter. I feel like they were looking for any excuse to drop me because I have an old (100+ years) house? I am using the 6 months left on my policy to shop around for new car & homeowners insurance from a company that values and respects a good customer who's never missed a payment.

Week 2 at hotel at 1800 plus dollars a week that sent me too. Week 3 begins at the hotel and still no results. I had a home with a sunporch and 2 floors of bedrooms and living space. I had a basement with a washer and dryer. I will not be told where I have to live and how I have to spend the next 6 months of my life. I am extremely disappointed with AAA and how they don't handle claims properly. There is no accounting for their lax attitudes and work ethics towards their customers. We are 4 people displaced. I am sickened and disgusted that I am being treated as non emergent. I paid my insurance faithfully as they expected. I am in need now due to fire and being displeased. I EXPECT THE SAME!

AAA sent out a crew called Professional Restoration Services who boxed everything up and took it to a warehouse stating that they would clean everything and bring it back. Months later, everything came back boxed up. I didn't open the boxes for months until I was looking for something. Unbelievably, they had placed everything in boxes and brought it back literally the same way... Nothing was ever cleaned. On top of that, they tracked black basement water all over my breezeway after I just had it cleaned. I had to pay out of pocket to have it steam cleaned again.

Then to make matters worse, I got a letter saying AAA was excluding both my barn and pole barn from my policy because of bad roofs. AAA had me go through the hassle of figuring out the value of everything and putting what year it was purchased... Only to say everything was worth 50% of the value I had listed. They paid me 2,870.00 and Professional Restoration Services over 5,000.00 just to box up my stuff and return it dirty. Nothing was ever done to clean the basement nor breezeway floors. For this only time that I ever made a homeowners claim, my insurance is significantly higher and now it is difficult to change insurances because of the one claim.

My auto insurance has been just as bad with AAA. I have gotten nowhere when I have complained. After the agent called me introducing herself and stating she was here to help me, my insurance was once again jacked up because I mentioned that my son was in the army. She asked if he stays with me when he comes home. She then put him on my insurance even though he has his own. She stated "that is the law."

Now my auto insurance is also 400.00 higher than it was. I am extremely disgusted with AAA and would never recommend them to anyone. Their practices are underhanded and definitely not pro consumer. I plan on complaining to the Better Business Bureau and anyone else to prevent other consumers from having the same bad experiences as I have had with them.

Along with the questionnaire I was provided with a non working direct number of the agent. I responded back to the agent and asked to clarify the questions. Unfortunately, I missed the call from the agent but when I called back, the agent told me that he was busy with another caller and will give me a call back. Never received a call back. Next day I requested another quote from AAA. Another agent contacted me with the similar questions. When I answer them, she sent me my quote, which was the highest I got from other companies.

When I printed details, the value of my house for the insurance was $10K more than an actual cost of the house. They wanted me to pay for an air. I got back to the agent pointing the difference. The response was very short and rude. "I don't have any other quote for you, the system does it automatically and if I change the price of the house, the difference will be only $100." Really??? Only $100? For them it's nothing. I realize that AAA is good only until you have no problem. If there is a problem, you can't trust this company.

This morning I opened my mail to find a "refund check" for cancellation of policy and no further information. I had no idea what is what or which policy (home, auto, or both). After I called the number, and also received a return email from my contact, I discover it was canceled due to the trampoline and soot. I never received any notice - even though I was told a letter from the underwriter was sent in May. I have had no insurance since July 2. I am livid. All the items had been taken care of, I just didn't think to send pictures since I really didn't think it was a rush since they didn't reply to my email saying it would all be done over the summer. I have been waiting for 6 hours for a return call from a manager. I have no choice at this point but to re-instate through them (effective tomorrow) but I plan to find another company.

After reading these reviews, and what I have just experienced I can only imagine the kind of coverage they provide, and it is not a company I want to deal with. They were roughly $300 a year cheaper than the company I had for the last 13 years, but you know the saying "you get what you pay for". I would not recommend this company to anyone. And my contact, who was initially very helpful and polite before I switched over, suddenly had an attitude with me anytime I had questions. Live and learn.

In staining the wood it would be required that the house be vacated for ~72 hours due to the fumes and the access to rooms in the house. Once again the adjuster was apparently unaware of this requirement and did not allow for temporary housing. Substrate replacement, additional damaged wood and temporary lodging were omitted from the financial insurance reimbursement offer provided me.

Upon examining the damage to the flooring my contractor (35 years in business) advised that the entire Wood Floor and plywood substrate be replaced with Pre-Stained equivalent. A 3/4" thick - 3" Oak Distressed pre-stained Plank was found which has a similar stain to the damaged floor (Bruce CR3455). The contractor presented a bid for turn key replacement for $2,013.37 more than the AAA offer. Note that AAA did not include Substrate removal and replacement, Omitted over 150 SF of damaged area, required staining and did not allow for temporary housing during staining. My contractor submitted his itemized bid to the AAA adjuster June 9, 2016. On the same date, I sent an email to the adjuster with the justification I outlined above, and attached a copy of the itemized bid and also left a voicemail on his cell phone.

After not hearing back from him I re-sent the email requesting an update. He called me saying he had been out of pocket but received my info. On 6/18 the Contractor called me to advise he had heard nothing from AAA. On June 21st I once again requested feedback with no response and on June 22nd I forward all information to the Manager of adjustments requesting a phone call -- 3:30 pm on June 23 and still no call back.

A little bit about my background/experience - I'm a licensed Real Estate Broker, Perform inspections and price opinions to Mortgage companies on the condition and repair costs on their foreclosed properties; I also am a Project Manager responsible for compiling estimates of construction repairs/new installations, and oversee the bid process and bid awards to contractors -- So this ain't my first rodeo in this arena but it's the first Homeowners claim I've made in the 20 years in my house (~5 yrs with AAA.) Needless to say I'm not impressed.

When I asked her qualifications to make such a determination about the mold after five minutes and four pictures, she said she took classes with Triple A.

Now I am forced to either pay for an expert to challenge her findings, which is not something I can afford as I cannot even afford to repair the damage to the drywall and flooring and remove the mold. I believe the denial is in bad faith. Besides, maybe all insurance companies do this, but how can an insurance company write a policy that does not cover damage for undetected slow leaks that cause damage? It must be common enough that an insurance company wouldn't insure it--or else they would actually have to pay out rather than simply collect.

I informed my claims adjuster of the situation and she informed me that she can send me the check to rebuild but it's only for the amount that was estimated and it would be 7-14 to receive the check and it did take that long. As of today I am still without use of a kitchen. I had to buy food for us to eat everyday because we can't cook. I'm told that they can only give me 23.47 after I have spent over 600.00 in food and I paid my neighbor to use her kitchen a few times because my family and I do not have one.

After a month or so of chasing AAA they send a forensic engineer to study my roof and take thousands of pictures. Well this didn't seem right to me from the start and I asked him why was he there if the adjuster already went, he just said this was their process. I knew in the back of my mind that from him coming out to my property that AAA would rather pay an engineering company thousands of dollars to avoid paying for my damage to my roof, garage, gutters, and fence. Because that's exactly what they did. They told my public adjuster that the engineering report said the material and installation was faulty and they would not cover me. Imagine that after they gave my adjuster the runaround saying why was I using an adjuster when I could have filed my own claim it seemed they did not even want to work with him from the start.

This is the worst insurance company ever and I filed a claim with the Illinois department of insurance and I am waiting for an outcome. Isn't there a law that says they cannot tell me it's covered and then take that back later. This seems very unfair and unjust and I am definitely switching to Allstate or State Farm. These seem to be the better companies.

Our roofer disagreed with them, so AAA paid a Certified Engineer who took photos of many spots on the roof showing the granules missing, and the fibers showing, also little dents on the metal roof ridge vent, & even the AC unit which showed spots which they attributed to hail damage, but they concluded that the asphalt shingles did not have broken fiberglass fibers so subsequently did not qualify as sufficient damage to justify roof replacement. They also said in their written report that the screens on our lanai had no hail damage (We do not even have screens on our lanai!). Our roofer specializes in dealing with insurance claims and has much experience in this area. In the past 9 months they have replaced 10 roofs in our immediate neighborhood due to the same hail damage that damaged our roof. These included our next door neighbor, the house across the street, several houses behind our house in the two streets behind us, etc.

Each house has happened to have a different insurance company, and ours with AAA has been the only one to refuse to pay for a roof replacement. Our roofer has hired an attorney to represent us and has filed for court mediation, which can take several months. AAA might have the best prices, but what good is that if they refuse to pay when you must file a claim? We will be changing to a different company and will look at reviews before we do.

City and other agencies declare area too dangerous for people to be around. They aren't doing anything about the house roof. They are going to give money for replacement of the roof on garage but not covering garage itself which is coming down. They won't cover any of that. More than 50 feet of fence needs to be replaced. They want to pay a little over 2000 dollars not to mention a 1500 dollar deductible which was incorrect. That wouldn't even come near fixing the tree problem. Specialist have to do it or it could take out the back of my property as well as the neighbors.

I'm on disability and don't know how this is going to work out. They don't want to reimburse for work already done before the big storm that came in the next day. The contractor said he had been doing this for years and never saw anything like it. Storm happened April 26th and I'm still waiting. Big mess. Tornadic storms expected in area tomorrow. I have to walk my dogs - they can't go in their backyard. I talked to a friend that did my old insurance. Sure do miss them and can't wait to go back. Years with them no problem with claims, shouldn't have ever left. Talking to an attorney tomorrow. They switch adjusters all the time and payout keeps getting lower. Stay away from AAA. Please.

Four months later we receive our new premium which was increased over 60%!! When inquiring about this AAA stated that an increase WAS justified because a claim had been filed!! WTF!! They also went on to state that we were now on "probation" for three years and any future claims may result in the policy being cancelled! Needless to say we "cancelled" them and found a reputable insurance company to insure the property that was the same amount to what we were paying before the increase. Lesson learned - DON'T file a claim unless it is catastrophic AND shop around. I think when I pay off my house I will not carry insurance and take the risk!!

We contacted their customer service and were told that AAA made the change on their own. Now here is the real kicker! They based the change in our Wind and Hail deductible based on having an old (1996) roof despite replacing our roof just six years prior. Seems their claims department and underwriting units do not consider it a fiduciary responsibility to their policyholders to check these facts or notify us of material changes in the policy. We should have been given the chance to decline, accept or negotiate otherwise. We were then told in writing that since their change in our deductible was made on false information that our deductible would be corrected back to 1% retroactively. However after several conversations that underwriting was reviewing (should have done that before raising our deductible), we were then told our deductible would be 3%! This is not acceptable.

Now that winter is over, I requested a re-evaluation of the roof. I spoke to the area claims manager. He was rude and told me that it is hard to believe that the contracting company would make comments to me regarding the claim. Then he said that he would not keep sending assessors until I get the answer I am looking for. This was incredibly rude treatment. I then contacted the regional claims manager who backed his underlings. It should be noted that several insurance companies have reversed their previous claim denials. All the homes around ours have been re-roofed. All we are asking is for fair treatment. This is the first home owner's claim that we ever filed. We are looking for a new insurance company.

I finally contacted the AAA insurance sales department looking for someone I could talk to. Here my phone calls were answered and I was steered to a sales rep who offered an alternate insurance policy at about double the price of the cancelled policy. After finally obtaining a copy of the permit for my storage shed/workshop from the city and getting copies of my second paid insurance claim which was for damage to a different house in a different city and caused by a neighboring house, I contacted the California Dept of Insurance to protest this arbitrary cancellation. AAA replied to the Dept of Insurance by basically sweeping their false allegations under the rug. They revised their reason for cancellation, now basing the cancellation on the unrepaired deck consisting of some worn and cracked planks at ground level.

because they figure that anyone who stays with them for a long time will put up with their business tactics. But it turned our well for me because during this process I found another and better homeowners insurance company.

He next went to the bathrooms, which are under remodeling!!! Already having new cabinets and granite. The backing for tile is ready to receive the tile, which is in the garage awaiting my workman to put in along with new flooring in the garage. The agent ignored my comments and commenced to look at the next bathroom, which needs the flooring put in. No one uses that bathroom. So it was a little dusty. He took pictures of both bathrooms and pinched his nose. Well, my washing machine broke, so I put my laundry to take to the laundromat there. Throughout the whole process the AAA agent smirked, snorted, and whined about his shoes and the lack of complete bathrooms in the house. I am alone and have no one to help me, so I get help where I can to get work done.

As a result of this agent and the "persons" who looked at the pictures at the main office, I got canceled. The irony is that I had a worker coming in that very week to do work when the agent came. AAA has had my business for car insurance for about five years and house insurance for about two and half. I was not allowed one peep of protest or voice in my situation. If a house is being remodeled, then obviously some things will not be done.

I inherited this house from my father who let it go and I've invested about 50K in it to bring it up to standards. I'm proud of the improvements I've made and deserve not to be treated like some scum housekeeper by some finicky agent who can't stand a few drops of rain on his day and enters a house in bad mood. Instead of saying, "Well, Ms. **, we see you need to finish some of this work. Do you know we have lots of AAA-certified contractors to recommend? Please consult with one, and if in 30 days you can show advancement in the completion of the bathrooms, let's talk about continuing our insurance relationship with you since you've been a AAA member for over 40 years and your loyalty has been great."

Actually, AAA correspondence is terse, blunt, curt, and dismissive. I teach business writing, and I am appalled at their writing tone and treatment of customer. AAA says: "We're always with you" for your insurance needs. NO, THEY ARE NOT. I was disrespected; my property was basically vandalized, and my house not given the chance it deserves. I work hard to make what little I do, and I'm proud of what I've been able to accomplish. To have some stranger with personal standards and finicky predilections interfere with a judicious and fair review of my circumstances is beyond reproach. He wore designer clothes and shoes, fussed with his hair, smirked at this and that, refused to note anything about what I had ready to put in the bathrooms, and left with a huff. If people have to have "house beautiful" or "Sunset Magazine" quality, then AAA needs to say so up front.

I should have--and everyone should--a list of items an agent is going to review, thus giving me and everyone else a fair chance to look around to get things ready for review. I worked hard to make the house ready as I am also painting, thus things were covered with drop cloths. I found a new insurance company to take both my car and house insurance, which it did with a smile from its friendly, non-designer agent. Since AAA has basic monopoly on emergency car services, I still have that. But for anything else, AAA is on my list to avoid.

In the past people tried to tell me not to do business with AAA, I went ahead and did so, and I can't believe the better-than-thou treatment of the agent and the main office reviewing cases. I can't believe I have ZERO voice after years of making payments without any claims and thousands of enriching dollars they've socked away. AAA is no more on my list, and if you've taken the time to read my account, I hope you will think ten times before you put yourself in my situation of being smirked at and shuffled off like something to use and throw away.

Never had this happen before. I then asked if they would continue coverage if we re-piped the entire home. They told me they would. I took that with a BIG grain of salt. Last Friday I received a call telling me that my policy would not be renewed, even if re-piped. One of the reasons given was that the policy had been improperly written. HA! Don't worry. Famous last words. Suddenly the friendly AAA agents were no longer helpful or returning my calls. VERY poor performance. Their motto "At AAA we're with you" should be followed by "As long as it's convenient".

When you try to contact their Customer Service line, you may be on hold for 30 minutes or even up to an hour or more. If, however, you try to contact them for a "new quote" you will be immediately connected to a live human being because of course their priority is to receive new customers, not take care of the current ones. I also went through the due diligence of adding my auto insurance to help reduce costs but AAA was STILL $600 higher than my current auto insurer. Needless to say, with their poor customer service and ridiculously high homeowners rates, I am canceling AAA today.

So, all insurance carriers that I contacted, except AAA (AAA does not use ISO rating) give my home site a 9 out of 10 rating. This means I can get home insurance, but it is very expensive. AAA offered me a more fair price and considered my fire potential on an individual basis. My house sits in the middle of 10 flat, cleared acres and is a good risk against wildfire harm. ISO lumps all buildings in an area according to ISO's opinion of the local fire agency.

In 2012 my town was hit with torrential rains for a week straight and my basement flooded out of the sump pump pit effectively wiping out 5 rooms (4 of which were finished including my home office). I called AAA immediately to file a claim and was quoted the following mumbo jumbo... "Water coming down is not the same as water coming up", meaning they don't insure the house for rain-caused flood damage. I had to take the entire amount on the chin and paid for the water reclamation out of my own pocket. I have since moved but kept the house as future rental property.

The day after Thanksgiving 2015 the power failed at the very same house during a large rain storm and kicked the breaker which ran the sump pump causing it to stay off when the power came back on. The result was that the basement flooded yet again. This time the water was left standing for several days (we were away and didn't know). I again called again AAA and this time was told, in reverse of the last flood condition that "water coming up is not the same as water coming down" and they wouldn't cover anything because I never asked to have the sump pump covered. I was again rejected by AAA and now again have to cover the total costs out of my own pocket. So far I'm in the hole approx. $4000 and another $10-12 coming to remodel the entire basement due to drywall being saturated in all 5 rooms.

Apparently AAA doesn't cover water damage whether is comes up or down or however Mother Nature decides to deliver it to your home. I've also never heard of an insurance company requiring you to list 'unknown riders' to your policy in case something happens.

There are two problems here: 1) AAA has no documentation that lists SUMP PUMP, only the words 'sump overflow'. The word 'pump' is not printed ANYWHERE in their coverage literature so how was I supposed to know to specifically ask for the word PUMP to be added to a supposedly whole-house policy?? And 2) The pump itself is just another utility that plugs directly into the wall socket like any other appliance in the house such as the stove or fridge, both of which are covered if the power goes out due to a storm which terminates electricity from the house.

I should be ashamed for leaving Nationwide insurance after 18 years to go with AAA. Now I know why AAA was cheaper.

All of this comes up when they pull up my profile, so why can't the agent add the last line and print it? This line does nothing to alter the substance of my profile, account or policy in any way. It only appears on the declaration. Oh and they exclusively use the USPS for all their documents. They swear they'll send it in the mail but half the time they don't. When I went back the last time the agent I spoke to personally called my manager and took the fax number to the office, then she made a copy of my manager's business card. But somehow they still only mailed it. Seriously, how hard is it to fax? They don't even need a hard copy anymore. I also requested an email pdf file and made sure the gmail address they had was current. Guess what? They never sent it. I don't get it. I'm giving them to Friday and I'm cancelling. Also worth noting is that the phone payment system is dangerously outdated.

For one thing, you can only do autopay if you set it up in person and request it. Autopay isn't offered immediately for some reason. The phone system itself only has the option to input a checking account number, like all of their customers are over 70 and still carry paper checks. I don't have to say how unsafe it is to carry that info around. Debit/credit card options don't exist. Apparently AAA thinks it's a better idea to carry slips of paper with my account and routing numbers printed on them than it is to use a secure traceable card that generates its own paper trail. Sorry AAA but the 50's are over and technology is a lot more scary.

Got insurance papers, then two days later a cancellation letter stating house was been remodel and that the conversion of the garage was illegal. Since neither of these two things was true, I called their agent, left message and never heard from her. Called main line and was on hold for 20 min before I hung up. Wrote letter requesting proof no response, 2nd letter and was told it would be forwarded for investigation but no proof sent. Spoke to another agent. After been on hold for 55 min was given a mix-up reasons as she did not know what to say either.

The only work that has been completed are sheet rock and painting; both are of unacceptable quality. The areas where the old sheet rock was joined with new sheet rock were "taped and mudded" but poorly sanded, leaving lumps protruding from the walls. Workers painted over these lumps anyway, claiming their job was complete. Soon colder weather will be here and the elderly couple has no heater for house. Numerous letters, with photos, to CSAA "Claims Specialist" do not produce any results.

AAA sent adjuster supervisor who tried to start a fistfight with the contractor. In addition, the supervisor claims there was never any water in the house in the first place, and continues to resist paying any claims, even though their first adjuster said the house was flooded, and I do not have flood insurance. His incompetence was that the flood water was from wind blown rain of which was cause by the wind blowing the flashing from around the chimney.

AAA refuses to pay all of the claims for water damage, and drags their feet on payment and allowing my contractor to finish the water damage. I am going on almost four months with the house being unlivable. AAA will not address any of the issues, and is shorting the value of repair. For example, the custom paneling in my family room was destroyed by the water and subsequent extensive mold. The cost to repair is $18,000, but they insist on only reimbursing $1,000.

They cheat and keep cost of repair to an absolute minimum of what the actual cost of repair, and will only allow the cheapest material being used, even though policy calls for "like and similar quality replacement." They are the most horrible people to deal, and they totally ignore all calls, communications, email. They just do not want to pay any legitimate claims or the consequential damages of their forced delays.

AAA ** hired Delta Disaster to do the job, remove water and mold from my property. My tenant has a chronic illness and had be hospitalized for not feeling well. She was concerned, cautious, and curious of what Delta Disaster was doing with heavy plastic (to contain the mold in the kitchen and basement) and spraying. When the tenant asked what was being sprayed, the tech said they were getting rid of toxic mold. My tenant was relieved thinking she would feel better.

For two years my tenant and her family have still been ill. I called AAA in June 2015 to ask how do you know if the mold has been removed. AAA adjuster (Heide) hired B.H. Environmental Hygienist to test for mold and to my surprise, asbestos. I was confused but I didn't see a problem. On July 8th 2015, I received a call from B.H. stating the tenants need to leave the premises immediately due an asbestos spill and high levels of the two most dangerous molds were present 4000 per sq. ft. in the basement and 3000 per sq. ft. on the main level. He said this could be contributing to my tenants chronic illness. B.F. had to call Colorado Department of Health due to the "spill". The house is under containment and tenants were ordered to leave with the clothes on their backs.

To my surprise, B.H. said there was an asbestos test done in 2013, show in positive for asbestos and there would need to be an abatement. No one at AAA or Delta Disaster mentioned this to me. However Heide said there wasn't any records of testing done in 2013. I asked her several different times over the course of two weeks. I requested a copy of this from Heide, she said there is no such information about testing done. She stuck to her story. When I mentioned this to B H. he said that's not true. He initially called Delta Disaster to find out what services they provided. They refused to give any information. So, the report was sent to him by AAA. Therefore Heide was not being truthful.

Every time I requested information from Heide, "can I get a copy of Delta Disasters work orders and asbestos testing", she said all information is in our notes and customers are not privy to their notes. I asked B.H. if I'm allowed to have all copies of testing so my tenants can give it to their cardiologists and primary care physician. He emailed me the asbestos test from two years ago dated 9/2013 along with his tests results.

After going back forth with Heide, these are the things I was accused of: In 2013, telling Delta Disaster not to do any mold remediation or abatement; I would have my own contractor do it. I never said such a thing! I asked for the written signed statement for refusal of services. She said "there isn't anything written or signed, this was a verbal". I asked her is she going to believe me her customer or her Vendor. She said "I believe my Vendor". I said "oh that's how you save money on claims." She told me this is my fault, and they will not pay for loss of rent due to me not having an abatement done (which I never was informed of until after July 9, 2015).

Heide accused me of taking the settlement (4,000) to remodel the kitchen and that was to cover the abatement. They broke this up into two claims and denied the water damage in the basement. Saying it was caused by a rainstorm that occurred around the same time as the dishwasher debacle and uncovered window wells. The window wells have never been covered. But the dishwasher has always been above the basement. Heide accused me of not knowing what questions or information to give a contractor. She's correct. As I told her I relied on AAA to be honest and forthcoming with pertinent information for the safety and health of my tenants. I only shared with them what AAA shared with me in writing. Obviously their vendor Delta Disaster did not get rid of the mold as they told my tenant and myself.

Last month, I filed a complaint with my States Attorney Generals Office for consumer fraud. I called my Insurance Commissioners office and asked if it's legal policy for insurance companies not to mail out tests results to customers. I was told "yes, but why did they not at least inform you is the question" the representative said. They would like to ask AAA that question and many more.

This is where we are 36 days later: Heide is caught in a lie. I gave her another opportunity to tell me about the testing. She said "there are only notes that there needs to be mold remediation and abatement done." I said, "so AAA was aware. Where are the tests results?" She said it's only noted. I asked is it policy to send all documents related to claims to the customer. She said yes. I asked "where are my copies from two years ago?" She said "I wasn't here two years ago so I can't answer that." She said "Since we paid you to have the abatement done and did not have done two years ago, I called "Delta Disaster " (their trusted vendor), to get an estimate for the abatement. It would have cost $2,700. I will cut a check for this amount and you will need to pay the difference." The estimate is $17,000.

So, I'm taking that as saying "AAA DROPPED THE BALL AND TRYING TO GIVE ME HUSH MONEY." I WILL NOT CASH THAT CHECK! She's claiming I was paid to take care of this two years ago. My measly check did not say any such thing. Of course, she wasn't there two years ago. After her many, many lies and protecting her position at beloved AAA, I informed her I have a copy of the asbestos testing ordered by her trusted Delta Disaster. She said "Oh, I don't know anything about that. They must have forgotten to give it to the adjuster." REALLY? I told her exactly where it came from AAA, she then said she did not give it to B.H. and still denied it's from AAA.

I was then informed by B.H. AAA insist he bill me for all testing requested by the Environmental Health Department and they will pay for the first day of initial testing. He told them he was hired by AAA not by their customer. How many customers are they doing this to across the country? Where is the oversight? AAA NEEDS TO BE INVESTIGATED, FINED and have a CEASE & DESIST ORDER IN THE ENTIRE COUNTRY! The Department of Environmental Health was not happy to find out AAA has not resolved this matter. They have put in a call to Heide (good name). She's been hiding the truth from the very beginning. But, I'm calling her out for being disrespectful, calling me a liar, blaming me for not knowing the procedures for mold remediation and abatement, accusing me of fraud for being paid for a claim and not doing what needed to be done.

To prove their policy and procedures, Heide mailed all "current" testing results to me. My final words to Heide "if AAA would have given me the same respect and followed their policies and procedures two years ago, I never would have had the displeasure of speaking with you, my tenants would not be ill and seeing Dr.s who specialize in molds, be displaced and having to take chest x-ray for the rest of their lives for being exposed to asbestos for two years. The stress has caused increased health issues for my tenant. She has been in and out of the hospital for added stress. I hope you sleep very well at night for all the hell you have put us all through in the last 36 days! I am seeking legal counsel."

I closed on the home on April 14th 2015. On April 18th granted we had a hail storm but it was dime size and I did not see any damage, then on April 29th we had another hail storm - quarter size hail. I again checked my roof. On May 8th AAA sent out a inspector to view the roof just because they were my insurance company. Then on 6/1/15 I was informed by AAA that my Home owners policy will be canceled on 9/1/15 unless I get a new roof. I paid them for an entire year!!! I had the home inspector (from the pre-sale of the home) come back because maybe I missed something. He checked the roof again and found no damage. He advised me that the photos that AAA took were of missing granules and not of hail damage. He also went as far to say this is a manufacturer defect and normal on fiberglass shingles.

So now I am angry because I have no insurance on my roof and I can't afford to put a new one on myself. So much for having insurance!!! They claim it was the underwriters that sent the roof inspector but it feels fishy since the only part of the home that he inspected was the roof!!! I have the photos he took to prove it. They do insure more than just my roof right? I think this is bait and switch. Well I'll do what I can then I will find another insurance company because this is not the way anyone does business and stays in business. AAA stick to towing.

Today, I discovered by inquiring about a previous claim that I don't have coverage again. According to the representative, one payment was made the policy canceled due to non payment. They didn't draft the account or send a letter as to why the account wasn't drafted for payment. The representative informed me that the previous rep didn't set the account up for auto pay. I never received a statement in the mail from AAA Texas and had no idea that my policy was cancelled.

CSAA will not pay for this, they sent out an adjuster who told them “it was a dead tree”. Even after we told them “it had been cut by the electric company”. They argued that they could see it was dead in the picture. I had to go online and show them with google maps how large and alive it was. They will not pay for root removal so I am out of luck. Had we let the tree fall and take out both houses and the power lines they would have covered it. It will cost me 3500 to fix the deck and it has to be done because now it is crooked from the top down. Very disappointed. I have my seven cars and life insurance through CSAA. I guess it's time to find new insurance. Do not get them for your homes.

I hired a master plumber. Because the counter needed some tweaks for the sink to fit, it ultimately chipped in two places. I sent pictures of the counter to AAA to see what I can do about that, and no reply. I have asked what it means to be covered for replacement value, no response. I bought a sink I did not like because to get another bone sink that matched my kitchen was only available in an $800 version. So I spent $450 on a stainless sink I hate. Emails I sent received no response. I finally called the adjustor's manager because I am livid at being ignored at every turn. Although her manager called me back, and I left a message From him (phone tag), I have not yet received a new adjustor as requested. I thought we were on the same team. I have paid them premiums for probably over 40 years. My hands are tied and this is so unnecessary. Shame on you AAA. This is a long story made short.

A few months ago we had a lot of rain and a huge storm in LA which is unlike our normal weather. Unfortunately, my roof and windows leaked causing major damage in the house. I made a claim with AAA, hoping they would do what they're supposed to do but I was wrong. They sent an adjuster to come take a look at the roof, to see if it was going to be covered or not. I found out that the adjuster actually works for AAA, so clearly they are bias. It should be an independent contractor so that it's not always done in the insurance company's favor. After he came by the house, he said my claim according to my policy is invalid. So what is insurance for then?

Anyway, he went on the roof to review the damage and BROKE SOME TILES. You read that right, AAA came to my house to deny my claim and BROKE TILES ON MY ROOF. He said we will pay for the damage he created on the roof. After MANY CALLS to AAA, I said they need to come and fix the tiles that AAA broke.

To add insult to injury, they sent me a check for $53. How am I supposed to fix my roof with $53 to fix the DAMAGE THAT AAA CAUSED??? I am not a roofer and it is not my job to FIX DAMAGE THAT MY INSURANCE COMPANY CAUSED. This wasn't damage from the storm, this was EXTRA from them coming by and looking at the roof to just deny my claim. Wait, something important to know. The check was only $53 because the damage that the AAA rep caused was $553. So, they sent a check after my deductible. You read that right, THEY CHARGED MY DEDUCTIBLE FOR DAMAGE THEY CAUSED TO MY ROOF. DAMAGE THAT AAA CAUSED TO MY ROOF.

And LIE after LIE with all the calls and different managers and supervisors. They said they are going to send me $500 to cover the deductible but THEY HAVE NOT. Instead what they did, after realizing how illegal it is to charge me a deductible for damage they caused, they send $500 to the roofer to fix AAA's damage. I spent thousands of dollars to fix the REST OF THE ROOF and items that should have been covered under my insurance policy.

To summarize, AAA denies my claim for roof damage, claiming roof damage is not covered by my home owners policy for some unknown reason. The AAA rep goes on my roof to review the damage and BREAKS TILES HIMSELF. He claims that AAA will cover the cost. They send me a check for $53 and use my deductible $500. So AAA breaks my roof tiles and subtracts a deductible as if it's a claim. I left several messages for the manager, ** and she NEVER RETURNED MY CALLS.

As I say, it's a standard letter, not showing any reason in particular to my case. I feel I am being targeted because of the age of my cars, and that I did use what was offered, I think they are weeding out all but maybe the little old lady that may call 1 time in 10 years? Again, I have done NOTHING WRONG, and I have tried and tried to contact them. THEY REFUSE to talk about it. I went in to 3 different AAA store's and told that "NO ONE will discuss this with you, you must write and Appeal it," THAT IS ONLY WAY?? So I did, and again, a generic letter with NO PROOF Of wrong doing came, and told I am cancelled. Again, I have been with the Co. for over 21 years!!!! And did NOTHING WRONG? Please help me, and I am sure there are many others with same problem.

We were not aware of that prior, and we did not sign any documents to establish the policy. We called and informed AAA that we selected a different insurer and cancelled the policy. A few months later we had received a collection notice, so called and informed AAA about it and they assured us that the cancellation did go through and there is no balance to worry about. We received a collection notice once more and we called and went to the office to let them know and it appeared that they cleared the issue.

We later received an email from a person by the name Grace ** that she submitted proof to cancellation on 06/12/13 and back dated the cancellation of the policy. A few months later we received a refund a check for a little over $100. We noted a collection action appearing on our credit and it was showing for $100 starting January 2015, which came by surprise, since we were under the impression that we had no balance for this policy and after all the adjustments AAA issued a refund check (from charges for Auto and Home Policy combined). We made a visit to AAA office in Cerritos CA, and we spoke with Lizz ** who informed the balance stems from cancellation fee.

Please be sure that we have not received a single letter from AAA informing us of a cancellation fee, which is not valid to begin with since we did not buy the policy to begin with. We are hereby filing a complaint against AAA Insurance for the following reasons: Records with AAA indicated that we had started the policy on 07/28/11, and we closed escrow on 08/31/11. We only called for a price quotation and we proceeded to call other insurers for the best price. Our Hud One can be provided to proof our close date, we did not own the property at the time AAA started the policy for us.

We did not purchase the policy and we called only for a quotation and AAA staff irresponsibly and erroneously merged both home and auto policy. We did not sign any policy paper work with AAA. Our Hud One statement with our lender is showing a different insurer with Effective date of 8/31/11 with Farmers Insurance and we remain with the same insurer till today. AAA failed to inform us of the balance which should not exist to begin with, and their collection agency filed a claim on our credit which caused a lot of harm to our score, all without our knowledge. We find it irresponsible and sloppy and not acceptable.

I continued to have health issues. I called insurance again, they came and find mold, but refuse to fix it because 2 years passed. And they did another test, which shows I have no mold. How does this happen? I complained to contractors board, bond company, insurance commissioner. I did not get answer from insurance commissioner, but bond company sent me check for 200 dollars, contractors board sent contractor violation letter. I can't live in my house anymore.

AAA does decline umbrella insurance coverage. Because I am a volunteer Board member at an Homeowners Association. Yes there was a claim opened (trip and fall) several years ago against the HOA. Nothing ever happened, but the case is still open. I did of course mention to the supervisor: Did you guys ever hear about the Davis-Stirling Act. Or hear about civil Code Section 5800-5810. Volunteer board members shall not be held liable or cannot be sued when serving on a non profit Organization.

This law was signed into affect so people would be willing to volunteer and offer their time to do good. Now AAA is telling people if you do that we might not Insure YOU!!! Just think about how many volunteers are out there holding a position at a Non profit Organization. Most of which will be sued or have to deal with a claim at one point. And to reward all this volunteers out there, AAA will in return decline coverage!!! Come On AAA - are you for real!

The roof inspector came and didn't understand why he was there. It was explained to me that the roof look great for its age and required no repairs. I received a certified letter from the roofing company and emailed it to my AAA agent. A day later she comes back with new terms from the underwriter. According to the underwriters, it is still believed that my roof needs repairs. They gave me two options, either I raise my premium to $2500 or I have my roof inspected by an inspector they "KNOW and trust." Needless to say I am shopping for new insurance at the moment. I can't believe they have the right to change my policy like me on that after already giving me coverage. And not to mention that they are questioning the professionalism of a company who certified my roof.

A AAA estimator came out and had his quote into AAA the same day. AAA has had his quote for over 2 weeks now but AAA won't release him to repair the open walls because they keep hammering down their own contractor's price on what needs to be repaired. I've called 3 times to get answers as to what's taking so long for an approval? One guy said, "it's the holidays so we're really busy." The next said she'd have my paperwork complete in 48 hours. Then 48 hours passed and when I called I was told no one would ever tell me that. So in short, they called me a liar. AAA is a joke as far as customer service goes. They lie, then call their customers liars. I'm still waiting to see how this gets resolved. I just want to know how to proceed but nobody on their end has any answers. I'll repost when this gets resolved.

Bridget then sent two investigators to my home to check the damage and found that there was a leak in my shower pan. The investigators said that “they have seen minor problems like this many times and that AAA should take care of this”. They said that “just a couple of 2x4’s and the tile at the bottom of the shower was all that need to be replaced, that this was issue and that AAA should pay this claim”.

A few weeks later I received a call from AAA agent Randy who informed me that according to his interpretation of my policy, my claim is denied because they could not tell how long this shower pan leak had existed. He spoke to me in a very condescending and placating manner saying “I understand, I understand.” I explained that “I called AAA as soon as I saw that there was problem and that there could be no way of knowing that a shower pan leak until I saw the floor lifting.” I said that “I have lived up to my part of our contract and that I was very disappointed that they have not.” How could I know of an ongoing leak? I am a female senior citizen and am not accustomed to crawling under my house to check for problems. I demand to know, where in my home owner’s contract, does it say, that I need to continually check under my house for problems. It is insulting to me to have AAA suggest that. Who does that? It appears to me, that this is a suspicious loophole which enables the AAA to avoid paying out a claim.”

I was not ready to ‘let this go’ so I called AAA anonymously and spoke with three separate agents, each time going into detail in re: leaks of this nature. Each agent (I have their names) assured me that this would be covered. Apparently the company does not back up their agents and is only interested in selling policies. The “old bait and switch.” I believe that it is shameful, unconscionable and immoral that AAA would treat a loyal and “valued” member in this fashion. Perhaps AAA should watch their own Television commercials and live up to their own words of “taken good care of their members.”

Fast forward to 11/2014 we had a flood with a loss and called to file a claim at which time we were told that we did not have a renters policy effective October 2012. Furthermore, I have correspondence in July 2013 to ** indicating that we have moved to a new address and that I would like to have my address and RENTERS POLICY updated to the new house. An email was received in August 2013, after I had to contact her again wanting to know if the changes had been made and at no time did she mention that I no longer had a current renters policy. Had I been made aware of the situation in 2013 more than a year before my claim in November of 2014, I certainly would have taken the steps to resolve the matter and have the policy reinstated. No communication was made on their behalf to alert me to the issue.

This is only one of the issues that I have encountered while with AAA Insurance. My policies have been canceled on a number of occasions without explanation and without any wrong doing from myself or my Husband. We purchased a new vehicle in October 2013 and it took ** until March of 2014 to properly add my new vehicle to my policy. I HAVE DOCUMENTATION, my financing company went so far as to threaten to invalidate my loan if it was not resolved.... Again I had to contact her to ensure this was taken care of. I have stacks of email correspondence with time and date stamp to support this evidence. I was with Geico for 6 years and I never ONCE had to email them for anything, my policies were always correct and in force.

Please before you give them any of your hard earned money, think again, is the savings really worth the hassle? Shame on you AAA, shame on you ** and **. By the way our conversation was recorded and I have the Branch Manager blatantly tell my Husband that he will do NOTHING for us. I am sure your prospective customers would be delighted to hear how you will go to bat for them when you have a heavily documented case PROVING errors, lack of follow through, poor customer service, and incompetence and excuse after excuse. Feel free to contact me as I would be happy to share the recording as well as my printed documentation.

My new adjuster gets on my claim and sends all checks out within a month. I now have my Content loss check and a repairs check and AAA says I have to find someone to fix my home after their preferred vendor Wolgast Restoration backed out of the job. Why does the homeowner have to find a contractor. My claim should have never drag on this long and AAA is not being accountable for their bad adjuster who did nothing on my claim for over 7 months. My ALE has run out and I'm homeless and need justice. I lost so much money living in a hotel for 9 months and now that my ALE has run out they won't pay my expenses. This claim is a nightmare. Can any Attorneys reading this PLEASE call me? Thanks.

Then, they asked me to show the proof so my contractor took a pic. It took them 2 months to come back to revisit the foundation damage. The contractor gave an estimate which was about average among several I compared. AAA didn't want to honor his price quota. They twisted numbers by paying a little more on deck but less no tree removal. The ridiculous thing is they agreed on the amount I had already paid out on tree removal. After all these happen, they put little fine small font to exclude/include things in order not to pay the amount my contractor asked for. Very inconsistent, try to force me into an agreement which I can't accept.

A week ago I was told another adjuster would call me in a couple of days to schedule an appointment to come out and look at my roof. Guess what? Never called. Never returned my roofer's call. Now I'm told, "Oh no, he's not coming out. Just looking over reports." Their opinion is that my cedar shake roof is 18 years old and that the age of the roof exacerbated the storm damage. Problem is that I've been paying full premiums on this 18 year old roof. I'm sure premiums that were based on its age. Now they're using that against me. And NOW they have a new program that if you have an older roof and want to save money you can insure for its depreciated value. Problem is I was paying the full load. They want it both ways. Almost five months later and I am NOWHERE with these people.

I was shocked because the roof had been inspected, and there was a separate chimney inspection and the mortgage company's appraisers had been out and nobody had noted any problem with the roof. I called AAA's underwriting department (as instructed in the letter). I had to leave a voice message. They never returned my call. I arranged to have a roof repair company come out and inspect my roof. They said it was "in great shape" but they did note that there was a shingle missing and if I had that replaced they would certify my roof. They said it had at least 10 years left in it.

I forwarded the report to my agent at AAA and he told me that if I got the shingle replaced before the 6th, they would not cancel my policy. I told him that they had obviously made a mistake about the condition of my roof in the first place and that they should be rescinding the cancellation order based on the roof report. It went back to underwriting and they said that they would give me 2 months to have the shingle replaced and if it wasn't replaced in that time period, they would cancel my policy. 1 SHINGLE. The shingle will be replaced this week. The insurance will be cancelled (by me) on the 1st of the month.

The woman at the insurance company said because of the age of the chimney (my house is 80 yrs old) it wasn't covered. I had a local roofer come over and he patched the chimney. That didn't work and not too long after I noticed a leak again. I called him back and he was going to come and do something else. I waited 6 weeks and ultimately found out he was going through medical issues. It took me another two weeks to find someone who could fix the chimney. This is a small town and nobody from any of the companies I called would come out to this far. Finally, I found someone to fix it. At that point the damage inside was more than I could afford so I called the insurance company back and told the woman I wanted to file a claim now, explained the whole thing about the chimney being patched and trying to find someone to come and take care of it when that didn't work.

My contractor communicated with the adjuster assigned to the claim. I also emailed him with the history of the issue, so it wasn't news to him. My contractor said it sounded like they were going to cover the whole thing. When he submitted the estimate the adjuster emailed me and said it was WAY too high and he wanted to come and look at the damage himself. I said that's fine and I'd have the contractor meet him here. After the meeting the adjuster emailed me and said it didn't look like damage that happened after one or two rains and I told him it wasn't, that he had been emailed and told the whole history of it.

He then called me and said they were denying to claim because it was due to rot. I understand the house is old and there is damage in that room but if it's so rotten then why is the rest of the upstairs just fine? This is a very solid house. I tried to talk to him and tell him again how I tried to rectify the damage from the time it started. He was extremely rude and kept cutting me off and saying "Doesn't matter!" I said he made me feel like I was trying to pull something over on them and he said, "You wouldn't be able to!" He was so rude I ended up hanging up on him.

I've never dealt with a homeowner's claim before but my contractor was shocked that they didn't pay anything. And I was shocked to be treated like a common thief. During all this I found out that AAA worked their way into this area by offering trips and other perks to agents to push their insurance (which explains why "Progressive doesn't do homeowners"). I have gone back to Progressive and now feel that after 3 years I'm with a reliable company who will actually insure me and not just take my money and treat me like a criminal when I need help in return.

I was advised by email by our AAA agent, "You have a $1000.00 deductible. You have a total of $2500.00 for theft of jewelry. What is the value of that jewelry? If it isn't too much, ( over 1000.00) I would not even file the claim, because you will automatically get a $2500.00 deductible at renewal and your insurance will increase". I had a current Appraisal on the jewelry, but that doesn't apply even for theft. If you loose your jewelry, you have nothing. When I emailed her the price of just the opal, her email reply was, "Oh my, I'm sorry". I only wish I knew everything I needed to purchase to have home owners insurance, flood riders, jewelry riders, why aren't we advised about these little extras that are needed to truly have home owners insurance? I don't know what questions to ask to make sure everything is covered under a home owners policy. Make sure you ask about everything when purchasing a home owners policy.....if you know what "everything" is.

At any rate my homeowner claim was for damage to my roof due to hail. An adjuster came about six days after I filed my claim and was about the rudest person I have ever had on my property. I almost asked him to leave. After waiting more than two weeks for a report, I called AAA today and asked what was up. Their answer was the damage amounted to less than my deductible. The only problem is that up and down my street various insurance companies are writing checks for roof replacements but somehow the damage to my roof is less than $1000. Now, there is an insurance company that I have seen advertise with an umbrella over the insured property. I am pretty sure that AAA did not have an umbrella over our house.

It is hard to imagine how other homeowners on our street are getting checks over fifteen thousand dollars and my damage amounts to less than one thousand. The houses were all built by the same builder and I am very certain that all of the roofs were of the same quality. I asked if they would send out a second adjuster to look at the roof and was told rather abruptly that they would not do that. I asked about mediation and was told Florida provides for that if I choose that route. I have not yet decided what I will do in that regard. What I have decided is that AAA will not get any more of my money. For five years I have paid, like clockwork, roughly $2500 each year and for that I get treated like a criminal.

However, AAA sent three letters with different explanations of why they were denying the replacement of materials to remediate the mold. Bottom line, AAA aggressively attempts to deny claims and when they can't deny them they aggressively attempt to minimize the compensation. Assuming they won't renew my policy, I'm now looking for new insurance and find that having two claims in the recent past is a black mark on your "record" and most insurance companies won't insure. I think I found a policy with another company who has similar complaints as the ones found here. All insurance is a scam and AAA is no exception!

The AAA Claim representative told us the woman who performed this function was on vacation and would return within a week. After the woman returned, there was a simple matter of her approving the construction estimate and paying the construction company for the work completed. She would then arrange to issue a separate check to our friend for the balance of the claim amount. It has been over a MONTH since the woman returned from vacation, and no check has been issued! When we called to obtain the status of this check issuance, we were continuously told it will be completed "by the end of the week". It has been FOUR "End of the weeks", and tomorrow (05/02/14) will be the fifth week. Meanwhile, this poor woman is living with us and not in her home. This type of customer service is not indicative of a company with the repute of AAA. I would hope they understand that people pay them for service, not vacations or excuses that delay their rightful claim proceeds.

The next day I received another call from a female with AAA and she asked what happened and then also proceeded to tell me I was not covered, and all she kept saying was "I am so SORRY!" I am now in the process of looking for another insurance company. I have been a AAA member for 7 years and will not use them ever again as well as advise others not to use them and if they have to to make sure that they get everything in writing and to be careful what you say to them they will somehow use it against you. I do not understand how a person can protect yourself when you have a weather related damage.

After 2 months and a completed inspection, underwriting still claimed to be unable to answer my original questions about insurance coverage and rate increases, and apparently a claim had been opened sometime in April without my permission. So to prevent an increase in my insurance rate and the added stress of going through insurance, I notified the adjuster by phone and e-mail to close the claim on May 16, 2013. A check was sent to me for an emergency plumbing repair that I had already paid for myself, and I had not asked for a check, so I never used it.

Since then, I and the plumbers were proved wrong about our concern that the basement bathroom drain could not be cleared without replacing the entire sewer pipe. The downstairs bathroom drain has been completely cleared and the backup mess has been cleaned and disinfected. The inspector noticed where my plumber had removed some drywall in a basement room during repairs on a previous plumbing leak after my house was re-piped. I have someone to replace the drywall.

Six months later in November 2013, CSAA sent a letter stating intended non-renewal for our insurance policy, but it wasn't sent to my address and I didn't see it until February 12, 2014. I had not realized that we had to prove our case before policy expiration Jan 3. Based on misinformation, the underwriting department assumed we still had a clogged, broken sewer pipe, and apparently didn't see the Pipe Spy report, and assumed a lack in general maintenance with associated risks too high to continue insuring the house. Pipe Spy did not actually find any breaks in the sewer pipe.

The other piece of misinformation they based our non-renewal on was missing drywall in a downstairs "living room," when it is actually a downstairs basement area. There is no living room there. And I have someone to replace the basement drywall. Basically they used all my questions against me, questions they never answered, lied to me and opened a claim without my permission, accused me of not properly maintaining my house, then declared the house too high a risk, and cut us off after taking our money every year for over 50 years!

Just unbelievable, So I was forced to sue the neighbor so their underlying policy would kick in but the lawyer just stole my money and lied to me saying the judge threw the case out. So I lost about $70,000 and AAA and my neighbor and the lawyer or the HOA insurer just left me hanging. AAA is awful. I had my car insured by them and someone hit me from behind in a turn lane, AAA said it was my fault so they wouldn't have to cover the deductible on repairs. They are certainly dishonest... Run away from this rotten company.

I have no doubts that we could stuff 100 heavy weighted people on that porch.. and it would hold the weight, and the porch is only 17' by 7'. Well, not good enough for them, and they won't send an inspector out to check the "fixed" work. We had 2 days to find an insurance company that would insure our home. Our former agent took us back, and with great rates. It was built in 1926 and consists of better material than most new homes. It's sound and built well. Thankfully our previous insurance agent set us up with coverage for everything and without lapse of insurance on our home. They don't even do an inspection!! People, if you plan to go with AAA for especially homeowners, make sure your home is in pristine condition. Better yet, ask that they send their inspector first (before you cancel and switch everything over to them) and guarantee they won't threaten to cancel you a month later.. and give 2-3 weeks to renovate your home!! If the grass looks greener on the other side, it's because it's been fertilized with bull crap!!

AAA sends me a quote, using some program that estimates cost. The amounts of the estimate are not even close to realistic. Such as dry wall repair - $25.00. I have 20 feet by 1 foot of drywall to patch. To bring a drywaller out, it will be well over $25.00!! AAA first estimated $8800, and then $8900. I have priced cabinets for this replacement job and it is well over $6500 just for cabinets!!! I am ready to take legal action! I have not been out of a kitchen for 4 weeks! No sink, no dishwasher, no counter tops, no cabinets and my sub floor is black! Do not use AAA!!! They might save you $100 a year, but when you make a claim, AAA won't pay!!!