Alfa Homeowners Insurance Reviews

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).