Alfa Homeowners Insurance

They sent an adjuster out and did their own tests. They determined that the levels were not high enough to make anyone sick, but they said the house needed repairs. It was unoccupied so it did not meet their standards, and that’s why they were terminating my policy. They sent the termination to my ex-wife, an address that I have never lived in, not to mention the fact that the local insurance representative never called me to discuss fixing the things that needed to be fixed so they could insure the house again. When I called him after my ex-wife called me with the letter, he just read to me what my ex-wife had already told me. I got the feeling they did not want my business.

Well, the house is fixed and mold free; and I am moving back into it. But I can assure you that I will never let Alfa Insurance insure anything of mine again. I called the corporate office, and they did not seem to care. The regional manager was supposed to call me but never did. That is the kind of customer service you can expect from Alfa. You have been warned.

Well, this got me. I would have thought something as important as your homeowner's insurance policy being cancelled would have warranted a personal telephone call. But boy, was I wrong! It's the beginning of December and apparently I have been without insurance since the beginning of October! Of course, I could have killed my husband for not reading his mail but I'm definitely madder at Alfa for their shoddy practices.

Then the other day, I got this nice little form letter from Alfa informing me that at the end of my policy term this year that they will not be renewing my policy. Evidently, some actuary has decided that they have gotten the maximum amount of money from me without having to pay anything and they are going to bail before they have to. I understand that Alabama and the Gulf states have had some severe storm damage over the last several years and most of the insurance companies have taken a beating in claims. If you go back and look at just about every storm and the damage it caused, there is a pattern. I live outside of the areas generally damaged by the local storms. Charge the people that live in the high risk areas higher rates, not the people who live in the stable areas, is very, very bad business. I would caution anyone who is looking for any kind of insurance to look somewhere else before choosing Alfa.

On March 14, 2012, he stated that ALFA wouldn’t remove the 2010 claim from my record. That he has requested this with his supervisor and it appears they are refusing to lower my deductible. Allyn suggested I go to another insurance agency with a lower rate. Due to my claim less than 3 years ago, I have been paying higher premiums. I wouldn’t have filed the claim in 2010 if they didn’t pay the previous claim in 2008 or 2009. They set the standard when they paid the previous claim and led me to believe they would pay the claim in 2010 for the same similar problem (different area of the house). If they made a mistake with the 2008/2009 claim, they shouldn’t increase my deductible and premiums due to their mistake.

I recently had an incident, which caused damage to a neighbor's property. Alfa sent their agent and fixed their property. Alfa then raised my premium on the first property (not part of claim) by 30%. Immediately after it renewed, they then sent me a non-renewal/termination notice on the property that did have a claim filed on it.

I have filed complaints with the MS Insurance Commissioner and will file everywhere else I can. I am a disabled combat veteran and feel that the actions of Alfa are both illegal and in violation of MS and Federal laws. Also, I have perfect credit, do not have a bankruptcy, and have never had any legal or financial actions against me. The home is in great condition, better than when they insured it. Even though we live on the Gulf Coast, there has not been a weather- / hurricane-related claim filed.

They also said that this decision was not a reflection on the quality of my home or claim history. I have had this policy since 2004 and have had no claims at all. I have never missed or been late paying. I have excellent credit. I feel that if this company can drop policies for no reason other than the weather. They shouldn't be able to sell any insurance in this universe, as the weather in our known galaxy is unpredictable and dangerous. They shouldn't be able to advertise saying that they are either trustworthy or dependable. They should be forced to close the doors of that company and be held responsible for the financial and emotional pain that they have caused over 60,000 people. I think a class action law suit would be in order, not only to pay for the damage they have already caused, but to alert the public not to do business with undependable bloodsuckers like them.

The results of this problem are:

5. Inability to find a compatible coverage for the fixed price I have paid all these years.

I don't see how they can do this to their most loyal customers. We also just switched our auto insurance to them because of rumors of being cancelled on if you didn't have both auto and homeowners insurance with them. I expressed to them why we were switching our auto to them and we were not informed that our homeowners would be cancelled anyway!

Very disappointed with Alfa! Not only will we be looking for homeowners insurance but auto insurance as well. I think that Alfa will be losing more policies than they want to lose!

In May 2010, my home was burglarized and over $5,000 was stolen from my home. When I called to report the claim, I was informed by the adjuster that my policy did not cover theft. When I called the district manager, Mr. Buddy ***, he called my agent to check on the situation. He called me back later and informed me that the reason I was given the construction policy was because I did not have rails on my back steps. I informed him that I was never told about rail on my back steps. Also, I explained to him that I never had rail on the back steps and I had insurance with ALFA for over 12 years.

Several weeks have gone by since the incident and yes, I have spoken with the agent who gave me a policy that only covered fire if started by the act of "God" and wind damage which we all know is an act of "God." While the agent apologized about the situation, this does not replace the items that I lost or repair the damage done to my home. I put my trust in a company and an agent and they both failed me. I have filed a complaint with the company. They claim they are investigating the incident. However, no agent or member of the company have asked me for a list of items damaged or stolen. This tells me that they are only playing a game with me. I need help on how to obtain legal help or whether I have a case against the insurance company.

I am in process of trying to get social security disability. In January 2008 when I knew our financial status would change I called one of our credit card companies (CitiBank) to see if a plan could be made, but they informed me we must be in default for 2 months first. I tried to make whatever payments I could but their CSRs advised me to stop doing this. In the meantime they raised APR to 30% and added fee after fee. This resulted in us not being able to make the eventually over $2000.00 payment to bring account current. It was finally settled at about 60+ cents on the dollar by my husband taking a loan on his 4O1K for 5 years.

Our next creditor (also credit card) Bank of America I made an electronic payment on the due date but unfortunately it was a few hours past time and it was posted 3 days later. This caused our payment to go from a doable $160.00 per month to $300.00 per month payment due to increase in APR. I called and advised them of our situation and asked for them to return APR to something lower. They refused, and I advised them there was absolutely no money with which to pay this bill. In order to pay our house note we opted to default on the credit card bill.

Our credit score is probably in the ******. But this tactic-pay house note no matter what-has bit us in the butt as Alfa dropped our coverage (we still have not received a notice from them.). And, of course, now to try to get coverage will probably be impossible due to fact credit score is bad, but what they would charge us we would not be able to pay. I tried to work once again but am unable to and will probably take 1-2 years (beleive this is Alabama norm). We use rabbit ears on old TVs, I skip some of my medicines or half the dose as we cannot afford these, when this $10.00 per month internet special ends we will be without internet. I cut my own hair and my family's. I have asthma so we cannot be without air conditioning in summer. My husband and I drive 6 year old vehicles. We have items on craigs list. I am lost as to what more we can do.

On or around June 2005, we filed a second claim for damage to our cedar shake shingle roof, the direct result of Hurican, roof damage was realized when we noticed water coming in our childs bedroom, thus damage to roof and bedroom. Alfa told us to clean it up, dry it up and call a contractor for quote, which we did. In fact we provided two. Alfa sent out thier adjuster who, after depreciating the roof by a certain percentage which I can't recall, issued parcial payment, with balance after roof and other repairs were completed. The amount however, did not cover that which was required as down payment to replace cedar shake with cedar shake so we had to replace with asphalt shingle.

Of course value of asphalt is much less than cedar shake, but no problem we happened to prefer the look of asphalt.
Sometime later we receive notice Alfa was canceling or declining to renew our coverage.

The cost of coverage ran around 800.00 dollars yearly. 120 % replacement, content, the works.

We later learn that Alfa has reported the property had 4 or more claims in three year period due to water damage.

The fact Alfa had written the claims seperately, ie, 1 for bathroom floor, 1 for connecting room. 1 for roof and 1 for childs bedroom.

Of course finding another provider willing to write the property is impossible. Thus, our mortgage provider WaMu takes out coverage on the property. The costs is more than 3000.00 per year and for much less coverage.
AQlfa has turned a deaf ear to our plea for assistance in correcting their error.

We also had life and automobile insurance with Alfa.

Where do I begin,

Economic hardship from increase cost for coverage, inability to obtain comparable coverage due to Alfa's wrongful reporting of water damage. Increased mortgage payments, causing us to seek relief through bankrupcy. Mental anguish. Inability to sale property, as any potential buyer could not obtain coverage at a reasonable rate. Thereby, devaluing our 265,000.00 dollar home to nothing.

On top of that, I husband passed away in 06 and now they tell me that I do not have life insurance on him. Funny all the other policies on the family was still good.

ALFA is recommending that I go with Alabama Insurance underwriters association. Otherwise known as the alabama Beach Pool. I'm not even on the beach or in the class that can afford a beach house. I notified the Govenor, congressman, and Al. Dept. of Insurance with no relief.

My homeowners insurance has gone fom $350.00 in 1999 to $3000.00 in 2007 if I elect to renew with Alfa. In 2005 my insurance was $790.00 last year it jumped to $1360.00 and now its going up? Unfortunatly my insurance comes out of my escrow account which in return makes my house payment go up.

I also have life insurance with Alfa and they told me to pay on the policy for 10 years and it would take care of us the rest of our lives. My husband passed away this year and when I called Alfa they told me that I did not have life insurance on my husband. However the other 3 policies that I had taken out at the same time was still good. When I called the agent after I had paid on the policies for 10years he assured me that the policies would take care of us the rest of our lives. Now Alfa is claiming that the policy ran out in 2004(same year as our homeowners claim).

She must seek alternate insurance at a higher rate and may not even be able to close on her house because of this action.

We got our refinancing done and today (4-9-03) I got a cancellation notice and my check back from Alfa stating we didnt meet some requirements. Funny we met them for over 10 frickin years. My wife has been worried sick and finally we talked to Travelers Insurance co. and they were very helpful. I guess we met their standards at least because we have insurance with them as of today. I have found out that were not the only ones this has happened to and from now on I am as anti-alfa as I can get and I will spread the word.