American Family Insurance - Homeowners Reviews

We had a claim for hail damage. They said they would pay the claim via EFT. After no deposit for a while I found a check that had been mailed along with the damage description. Once the work was completed we submitted for recoverable depreciation. Several times I've told that we'd have the funds via EFT. Another time we were told we would hear back in 2 days. Nothing ever happens. Today I called again and poor agent was totally frustrated. ALL supervisors lines went straight to voice mail for her. She went into the manager queue and was told to just take down my name, number and claim and I would get a call back in 24 to 48 hours. I've heard this lie repeatedly and so has my agent, who has tried to fix this. It appears they do not intend to pay me.

On 3/17/23, we alerted Kirk ** that we would not be renewing our homeowners policy and auto policy with him as his office has made so many mistakes and truthfully not been able to bill right or fill out the paperwork correctly for anything and we have never even submitted a claim or any kind or needing anything other than them to bill properly. We are NOT on auto-renewal with him, yet he auto-renewed our homeowners policy and billed our mortgage company ILLEGALLY over 30 days before the renewal date of 6/13/23 when we gave him plenty of advance in writing on 3/17/23 that we would not be renewing. Today, 5/10/23, he stole $2,700 from our escrow account (without sending over any new policy by the way). Now they are refusing to refund. Kirk ** and American Family Insurance are criminals and thieves!

The difference of their adjuster estimate and the contractors estimate was over $5000. They do not respond to calls or emails. Take it or leave it. Extremely poor customer service and not actually providing the service they were paid for. Bought through Costco, thought they would have better companies than this.

If you are looking for a fantastic way to waste money, go with this company. After a recent storm, our roof was damaged and began leaking into the middle of the living room. They sent out an adjustor who said there was nothing wrong with the roof other than a few shingles missing, which is all they will pay for. Three or four shingles don't cause beams and outlets to pour water. It has been several months since that incident. We have had multiple contractors look at the roof and all were shocked at the insurance company's lack of support.

I talked to these agents multiple times then decided to make the switch. Worst mistake of my life, now that I've had my first accident ever their customer service department that I have to call into is annoying and you can't get a direct line. I'm trying to get a rental car which I still don't have, and I had 2 different agents tell me to call around and see who does business with them then call them back with that information. I asked for a supervisor and the agent threw me back in the queue, now this was at about 1130 and the rental companies close at noon today because it's Saturday now. I missed Friday so my check is going to be short but I don't have a car for Monday either. I contacted the A.G.'s office though so hopefully they will get their act together. Otherwise I'm going to the news to see why I pay $300 a month and get treated like crap. $35 a day. I'm 6ft 4 275 lbs are you serious.

I take back most of what I said bad about American Family. Even though the process was really slow, my remaining balance on my mortgage was finally paid off. It was actually more the fault of my mortgage company than American Family. I still don't agree with their fire policy, but it did say right in the policy that your dwelling and contents would not be covered if the fire was started by a resident or family member.

Teresea **, MO. (American Family) have been harassing me for several months on money that I do not owe them. I paid them for one month for home insurance check over the phone. No contract was ever written or made. She canceled with me (2 days after I paid a whole month) when she found out I had dogs, & the feeling was mutual because she did not warn me she was coming to my property on a snowy day that she said she was NOT getting out. Even the main office said she went against regulations & she should be fired & I can sue her.

Name is very misleading (American Family) and that’s probably how/why they obtain their clients. We unfortunately fell for it. We’ve been homeowners for 27 years and have the top Homeowners Policy (Gold Star Special Deluxe) we could get for security, the Security for our home and family. In our 27 years, we have only been with American Family for the past 8 years. Luckily no claims filed in the first 20 years, but unfortunately 2 in the past 8... The first Claim was during a storm, when a limb came through our roof and shattered a skylight. We immediately called someone to patch the roof, stating they could start to repair our roof the next day. American Family didn’t want to go with them and instructed us to go with another company who’s estimate was higher.

Company came out for a Rental, Roof leak, with interior damage claim. They agreed there was a claim there and gave a lowball price to repair it. No contractor would give an estimate when they heard it was American Family. They had both not got paid from the same company. I ended up doing all the repairs myself and working on it for a month. I submitted my material and labor list after all work was completed, around $1000.00. They asked me to photograph all repairs and there would be a final inspection. The inspector told me I didnt have to be there. Then a couple of days later they denied the claim through an Email. Stating the roof was not covered for ice build up. They also said no interior damages were covered.

I Have had a policy on my home for 24 years! I've never claimed ever in those years. In those years I replaced patios roofs three times at my expense, I replaced all slopes once in that time at my expense! We had a storm with wind and hail damage recently! So I thought I paid several times with no claim to American Family Insurance. So I processed a claim for the wind and hail damages that had occurred during storm.They set a time for adjuster to come out and review damages. It's bad. Trust me! So the adjuster gets on the roof and does his review of damage which is visibly damaged. Wouldn't take a rocket scientists to see! He comes off the roof and writes a review and prints a check for $1,490.00 and comes to talk to me and hand me this check and says, "We will pay to replace 144 shingles only"! The policy had full replacement value for a new roof! They said since there was not 40% damage to roof they were not replacing it!