American Family Insurance - Homeowners Reviews

Been a customer for 18 years. Talked to their marketing dept manager. I asked after 10 years no discounts for customers but what I asked her is your donation to Green Bay Packers and Univ of Wisc. and more why not customers. She said it is a investment and the way she worded she fancy letter to like it or lump it. I asked to talk to the Pres. on Ins company. Big companies don't care. Goodluck. I am shopping for a new company.

Worst ins. co. to do business with. They sold me on all the extra rider policies for roof and siding. Had strong storm come thru and lifted shingles and water intrusion on sheathing. Adjuster called it "Snow Seepage" and that in Minnesota, because I have a 4x12 roof, the snow actually seeps past the shingles. Not ice damage, just snow seepage. Claim denied. They will sell you the world and tell you how great it is, how "We'll be here for you" and when it comes down to it they will turn and run. I'm replacing one side of my 9 year old roof due to this. My rider policy - useless. My agent... Useless. My faith in Am Fam. Gone. I will never, ever recommend Am Fam to anyone. Going forward, I will be looking elsewhere for my insurance needs. Even if it costs me more in the long run.

We have been with American Family Insurance since 2005. We had both our home and vehicles insured with them. We canceled our car insurance after a trailer backup accident with our truck, approx. 3 years later. The agent called us and was angry about the cancellation. I was shocked that an agent would do that. That was REALLY strange to us, maybe he was having a bad day? However, I kept the home insurance. My home loan company, l paid American Family Ins. our yearly premium APRIL 20th.

We had a 3 yr old water heater fail which caused extensive damage to our master bath. Our home is a custom, and the master bath has 2 large sink/counter areas on opposite walls, with a marble top. The jetted tub also has the same marble surround. When we realized that the marble counter and surround would break during demolition, I asked about matching the marble to the other sink/counter on the opposite side of the bathroom. American Family Insurance states “no,” saying that only damaged items would be replaced and that our policy doesn’t call for matching existing construction. Bear in mind we have our home insured for over 1.3 million. When I told the adjuster that this was unacceptable, he just stated... sorry. NEVER buy a policy with American Family.

Our experience was absolutely TERRIBLE. Our home had damage due a hail storm. Submitted claim, AmFam's adjuster came out and assessed home damage- submitted. Quality Assurance came out and agreed with initial adjuster and actually said it was underestimated just slightly. The desk adjuster denied both AmFam's adjuster and QA and never once viewed our home and denied 75% of the claim- said I guess you will need to go appraisal. Appraisal means paying for another home inspection from an outside adjuster and umpire- another $2100 in addition to your deductible. Guess what- they agreed with the initial adjuster.

We have been a loyal customer of the same agent for 13 years and American Family. We have had minimal claims. Our property values have increased so therefore so has our insurance and the $$$ going into their pockets (agent and AmFam). They never contact us to review our policy at renewal time or check to ensure we have the appropriate coverage but continue to raise our rates. Happy to announce that we have found a new agent and insurance company who is effectively saving us 20% as well as providing excellent customer service. When I contacted our agent to advise...after 13 years he didn't even act like it mattered. I wish it didn't matter to me when I lost a customer. Must be nice to be that flush. You must be when you are underinsuring by 200k on someone's house and overcharging by 20%. Thank goodness it didn't burn down. Good luck to American Family and our agent in Shawnee KS and may you go bankrupt soon!!!

So glad it's now a mutual organization. Just reviewed and updated my homeowner's and agent helped me save $800 a year. Very prompt service. Been with company 30 years and it's getting better.

We've owned our home for 7 years now, and have had 2 insurance claims. Both were handled quickly by AmFam. Our agent is kind, and very thorough when reviewing our coverage. Our first claim was only a few months after we had moved in. Our A/C went out just before the arrival of the dreaded AZ summer. The repairman we called out said that we needed a new unit and that it looked like ours had hail damage (there had just been a big hail storm in the area). He advised us to call our insurance company. The AmFam inspector came out the day after I called to start the claim. He went up on our roof and around all exterior sides. He agreed that we needed a new A/C, and also a new roof, a new shed, stucco repair/repainting, and several new window screens. The entire process was amazingly fast and SO easy. They really walked us through everything step by step and helped us find reputable companies to do the work.

Our house is ranch style, with an area that I wouldn't even consider steep. The first adjuster however wrote up the report. LOL! He denied any damage on our roof and when I asked for a second opinion (independent contractor/etc) to review the roof he denied this, as we worked up the chain of command we were able to work with someone that was able to see the damage on new photos that were taken.

I've been an American Family policyholder for two years. I recently had an apartment fire and I've been treated horribly by claims adjuster. I also found out that I am grossly underinsured for personal property and over insured for liability. She's been dragging her feet with paying my claim and looking for any and every reason to deduct from the settlement. She had the nerves to ask if I'd found another apartment yet, like I'm some moocher. I found one a week after the fire, shes holding up the process. Never again.

April 2017 we had a tree fall through our home in a wind storm. Everything was going along well until the final invoice from our contractor was submitted. Our claim was a large claim given one end of our home had to be completely torn down and rebuilt. The damaged end of the home included the living room with a wood stove and the master bedroom. We were told the wood stove needed replaced because it didn't meet an emission code and once removed from the home it could not be put back in. So, the contractors installed a new stove. All we asked was our home have a functioning wood stove just as it did before the damage. Our home is a rambler and it required the entire length of roofing removed. The engineer American Family hired stated the sheeting underneath needed to be re-nailed due to shock wave from being hit so hard by the tree. The tree hit all the way to the foundation.

We had a home invasion and I contacted the police and insurance company, talked to adjuster and she stated that my fiance things wouldn't be paid so we had a disagreement, two days later a investigator contacted me and all of a sudden he went on a rant about me having a felony and maybe my fiance set it up and I'm a man with my own company, I don't need to steal.

American Family Insurance fraudulently switched my insurance policy from replacement value to actual cash value without my knowledge or consent (I have an admission from the agent that they did this in writing in an email). I contacted my agent and demanded repeatedly in emails he switch it back. I found out he hadn't when they then denied a claim the next year. My roof was damaged and the interior walls were saturated with rain water. They denied it citing they exclude damage caused by animal "nesting".

I have been paying Homeowners for 17 years and just filed my 3rd claim, in 17 years on my roof. My contractor says it's hail damage and the adjuster agreed that it was damaged, but not enough to be covered!!! My contractor is livid!!! We will see what happens because this is not over!!

I have been with AMFAM for about 5 or 6 years. Late last year I noticed shingles were missing from my roof so my husband started calling contractors so we could find out how much the repairs would be. We received 2 quotes and both said it was due to wind damage and needed to be replaced. They said to contact your insurance because they have to pay for the damage. Not until they said contact your insurance company that never crossed my mind. This is my husband and I first home and first time having such a BIG problem so I just assumed as homeowners we were responsible, it completely went over my head that we have homeowners insurance for things like this. Well, AMFAM made me wish I had just remained ignorant to what homeowners insurance is supposed to pay for.

I have been a customer of American Family for 33 years with homeowners, auto, boat, and life ins. This past year I had my roof blow off large sections of my roof due to high winds, I called Am Scam to file a claim. I was told to get someone out to repair what they could so that no further damage of the interior would be damaged and they would reimburse me. Did that... They sent out an adjuster who then stated, “Oh it’s fixed.” So they would apply it to my deductible, nothing further they can do. Two weeks later the temporary fix, blew off again with much more this time. I called back, apparently they open a second claim, (which should still be the first claim) for them to tell me, “Wind damage is not covered.” After much arguing I ended up paying for a whole new roof out of pocket. 10K...

We have had our home and car insurance through American Family for more than 30 years. We have found their rates and policy coverage to be very competitive, but most importantly their customer service is exceptional!

I purchased a second vehicle. I then decided to add to my auto insurance policy auto loan gap coverage since I had 2 loans! I called the home office and requested that auto gap loan coverage be added to my premium. American Family's agent was glad to do so. Gap Loan coverage as most people understand to be pays off the loan if your car is totaled in an accident. The agent never clarified for me that what they sell is called Loan Assistance Coverage and pays only 25% of the negative balance should your vehicle be totaled. Had the agent done so I would have not purchased this ridiculous product!

I had two leaks in my house because of frozen pipes. One between two sheetrocked walls, and three 2x4s. The other one was in my cemented and carpeted crawl space. I found the crawl space leak after I left the hose on while using the outside faucet in my front yard. The other leak was when I turned on the sprinklers. We found this one after plumbers came by and mentioned that the problem was with my shower. I did not believe this so we tore down our sheetrock. That's when we found the leak between the 2x4s!!!

Protect my dreams? You have got to be kidding. Despite the fact that my father owned an American Family Agency while I was growing up and that I have used American Family for my insurance needs my entire life, American Family dropped my home insurance after a couple nature caused claims over a several year period. I live in an area with lots of hail – which can’t be avoided. And that is exactly WHY I have insurance.

I was a customer with the same agent for 24 years- since I was 16 years old. I have referred over 100 customers to him as well. After years went by, he forgot what customer service and loyalty was. He became greedy. I will pay more for that. I moved my 2 cars and then received a notice that my house was going to be cancelled. I have never had a claim. Good Riddance American Family Insurance. I was really hurt and upset over all of this because I took pride in being a part of a company so long- but I am happy now to be with a company that takes pride in their customers. Good bye Franklin, IN branch of American Family- remember you can bury your wealth.

Originally signed on with Am Fam last summer as we were moving from Seattle to Phoenix. Original Agent (Lacy **) was nice at first. Told her originally that we wanted an agent close to us. In no way, shape or form did she tell us that she was moving from 4.5 miles from us to 23.5. Totally made me mad. Then, she never wanted to come to our house... We were always supposed to go out to her office. Screw that, changed Am Fam agents to one closer.

American Family hired an outside investigator to examine the cause of the fire, no problem, but is stalling to pay out expenses of personal property. Still under investigation. American Family Insurance is trying to put the blame on someone else to avoid losses to their company. Been almost two months, but haven't heard what the cause is or covering the loss. I am disgusted with them and their process. Seems as though they are avoiding the payouts under the policy I have been paying premiums to. I would recommend never to insure anything with them.

We have had American Family for 12 years and never filed a claim. We one day noticed our ceiling leaking water and immediately called a roofer who came out and found nothing wrong with the roof but said it was an ice damn issue due to insulation. We called American Family and were told they would file a claim and have a person come out to do an estimate for repair. An adjuster came out and did the estimate and American Family approved it. They started to tear out the ceiling and drywall and found vermiculite. The repairs had to stop and get tested for asbestos. When the test came back hot American Family then turned around and denied the claim stating they had adjusted the homeowners policy, even though we pay for the highest priced one, gold package as they call it.

Their adjuster for my roof wanted to repair it. Gave me $400 to get the repair. Went thru four roofers and an engineering report and all say cannot be repaired. They sent one of those certified roofer out and he will not try to repair. All agree it needs to be replaced. The company is still saying only repair and said she us if you don't agree. Now I am contacting atty to handle this for me. No customer service from this company.

I had a homeowner claims with this company. After months of review I finally received a denial letter of my claim. The reason for denial was due to a small infraction on my credit report. This company had no problem taking my annual premiums every year. When American Family pulled my credit and found out about this infraction they canceled me and denied my claim costing me thousands upon thousands of dollars on my home. I was told American Family has the right to deny any claim if you or anyone in your household has any infraction on their credit report. Never, never under any circumstances do business with this company.

Filed a homeowner claim on our roof after a really bad hail storm. We were originally really mad with the contractor because they wouldn't agree to do the work for the amount on the insurance estimate. The contractor came back to the house and showed us all of the things they would have to repair or replace that the adjuster Gabe was refusing to pay for. They showed us all of the photos and documents that they had already sent to the adjuster. The runaround that Gabe was giving them was ridiculous. His only response was "estimate not approved due to company guidelines". What a joke. When we called him directly, he told us that he had gotten everything worked out with our contractor. Another BS runaround. Thankfully, we were able to work things out with the contractor to make sure they did the necessary work to bring the roof up to code, but I would not recommend American Family to anyone!

The lower premiums is not worth the headache. My car has been in the shop for ONE MONTH. American Family is giving Honda a difficult time paying claim. American Family is just making this more difficult than it needs to be. They're paying claims in parts which is delaying the progress of repairs. This isn't my first rodeo, and I know the process. American Family do not want to PAY so they're doing everything possible to avoid paying. The very first chance I get I will be definitely finding a new insurance company. I'm willing to pay more in order to get better customer services.

Had my homeowner's & auto insurance bundled together for at least 20 yrs, never had a claim. I had a medical issue and somewhere in that time my garage roof somehow got a hole in the shingled roof. (I think it was a firework shot off by neighbors... can't prove which one) Anyway the leak caused a couple of the trusses to break from water. Made a call to my agent and she advised me that my insurance had lapsed like 3 months ago on my house, but not your car. I was befuddled because I had auto pay monthly. She looked it up and said, "somewhere along the line your payment on your home was 30.00 short, so it lapsed." So I asked, "Why didn't my auto lapse also?" "We just kept your monthly auto pay all towards your car." I could not believe what I was hearing coming out of this agent's mouth.

I was lied to by my agent Nicole ** with American Family in Fenton, Mo. about a supplemental policy called a 535 which would have replaced my steel siding after a storm. I was told by the adjuster Mr. **, who viewed my damage after a storm, that if I carried that policy that my steel siding and roof would have been replaced in it's entirety had I had the endorsement. But because my agent NEVER ONCE MENTIONED this endorsement to me in our initial consultation, I had NO CLUE it even existed. Now she claims that she would have offered it if I had sat down with her last year for a review. Well, why would I sit down for another consultation for my insurance if nothing had changed financially, dwelling wise or content? This is often viewed as a way for an agent to up sell you more product, but as American Family Insurance, they use it as a way to say you were denied coverage because you didn't come in for a yearly consultation!

WARNING!!! I would stay away from this company. I had been with them for 25 years paying out huge premiums (because they were suppose to have the best coverage). Dealing with them upping my premiums on my home every year by increasing the home's value by 10 to 15 thousand a year (on a 170 thousand dollar home). Every year after their auto adjusting increasing my home's value 10 to 20 thousand I would have to call my agent to have him re-figure the limits usually dropping the ins value by 20 to 30 thousand. Ultimately, this is every couple years folks! This would in turn lower my yearly premium by 400 dollars a year. That in itself is ridiculous.

And we would like to state for the record that I asked my agent time and time again on how to present the list for your review. Because I have never had to compile a list such as this of inventory for personal property is the only reason why the before list that was sent of items was not compiled in such a way is because no one wanted to walk me through on how to place the items on the list as far as the categories are concerned.

Last month I filed a claim for damage to hardwood floor due to a break in refrigerator line. AmFam declined my claim referring to an exclusion in the policy due to continuous or repeated seepage that occurs over 14 days period. The leak discovered in few days and the line was immediately fixed. But the American Family claims, without any proof, that the leakage was over 14 days.

My husband and I downsized and moved north after our youngest child went off to college. We bought an 1100 square foot ranch with an attached garage for $110,000. Our agent came to the property, took pictures, etc. Our premium was about $600/year when we purchased the house. The next year upon renewal I opened our bill and the policy had gone to $700/year. When I looked at the policy I saw I was insured for a 1400 square foot L-shaped ranch for $250,000. I called my agent and told him this was incorrect and our house was not 1400 square feet and he had seen the house. I was informed this is what the underwriters had decided and the reason for the $250,00 was because I had the "gold" policy that would pay for everything new, not just replacement.

On 2-28-16 I called All American Family Insurance in Benton Illinois to file a claim. Then three days later I called the Mt Vernon Illinois office and I was told that they had no record of my claim. Then two days later I received a call back from a field adjuster. The field adjuster said that he would come look at my storm damage when he could get some free time. Finally two weeks later All American Family Insurance in Mt. Vernon Illinois called me and said that the field adjuster estimated my damage $2000.00 and they said I had a $2000.00 dollar Wind/Hail damage deductible.

On Jan 27 my husband and I woke to water coming through our bedroom ceiling and down through our living room window and walls. The water was also coming through the walls and ceiling upstairs as well. Naturally I called my local agent Pete **. He started a claim, the adjuster showed up 2 days later with a mitigation company, they tore out all my insulation in the upstairs living areas and put fans and dehumidifiers in. They said they would be back daily to check on them. The very next day we waited for 4 hours, no show by ERS "Don" or Troy the owner, however they did document RH % for the day they were not there. The crew was completely unprofessional. Our adjuster assured us that we had the best policy on the market--an HO5 for water damage and that she would get us put back together as soon as possible.

Been with AmFam for 40 years... then we had an accidental house fire. DO NOT USE CRDN or SERVICE MASTER to restore your property. AmFam brought them to our damaged home and urged us to use them... AmFam said they would pay them. These 3rd party companies gave us no estimates, no rates... Weeks later, after they had our property removed from the home, AmFam then begins to explain the process to us... We are the ones who will pay them. The cost of their services reduces the compensation for our losses... all the invoices were sent directly to AmFam so we had no idea what the cost of using them was... we only got copies of the costs after we demanded to know what the were.

I was with American Family Insurance for 32+ years. They insured everything for me. Last fall, while I was in the hospital, a mechanical failure in my septic tank caused septic waste to back up into my finished basement. Amfam brought out Servicemaster, who not only broke possessions (they did later, after much difficulty, compensate me for the damages) but also did a poor overall job of waste/mold remediation, leaving pieces of moldy carpeting in the basement and failing to clean out the contents of affected closets, areas under the stairs, etc. I had significant amounts of mold in my basement 5+ months after Servicemaster claimed to have cleaned it.

I have been very satisfied with this company. I recently had a house fire and the customer service handled this extremely well. The paperwork and investigation procedure was very confusing but their agents were very cooperative and kind during this difficult situation. I would recommend this insurance agency to anyone.

I have had two hail claims in the last four years. Both times American Family Insurance had an adjuster out within a few days of filing the claim. For the most part, the adjusters did a good job, and most of the hail damages were paid for when the claim was closed.

They are easy to do business with. I have been using them for 17 years and never had a problem with making a claim. They are fast and easy to get in touch with. I gave them 3 stars because they raise the rates when you file a claim and they never lower them. I made a claim 13 years ago and my rates were raised and I've been paying the higher rate ever since.

They have been very prompt when we did have a claim and gave us the value we thought we should receive at the time. They sent an adjuster out, usually, the next day and we had our check shortly after that. My only complaint is that our insurance rates seem very high for the size and age of our home.

Have had no problems with them. Have had them for many years and had to replaced roof and they were very helpful. They are just like anyone else got to have receipt and if you do no problem. They give you option to pay monthly or year. They have good rating. I would recommend anyone that needs insurance.

We have had American Family Insurance as our homeowners insurance company for the past 9 years. Their rates and coverage were the best we found when we purchased and moved to our current house. They are professional, easy to reach and informative. They keep in touch, recommend changes, if appropriate, and answer any and all questions. The cost for the policy we have has not changed much throughout the years. We have not had to file a claim (and hopefully never will), but we feel confident that everything would go smoothly should that happen. Based on our experience with American Family Insurance, we definitely recommend them.

We have used American Family Insurance for many years for our homeowners insurance. They have always been very helpful when we needed them. They are very prompt at having someone come and look at any damage that gets done and also very fast at sending you the money to fix your home. The price we pay for the insurance is very reasonable compared to other companies we have gotten prices from.

When hurricane Ike hit our town hard, our insurance company was on their job assisting us for the damage it cause to our home and the food that we lost when our power was out for a week. We had roof damage and they came out and assist us with all of our lost. That was a very bad time for us. I never been through anything like that before. The Insurance company knew that a lot of people was affected by the high winds, power outages and tree damages.

I have received great service and reasonable rates. My agent was well informed about the products that would best serve my needs and made a special point to work with me after my husband died and I moved and changed policies. He was also very good about meeting my schedule.

I have had excellent service with Am Fam and their rates are great. Their personnel are very knowledgeable about all their services and are always there to help with any problems you might have. It's a company I would recommend to anyone. Their rates are very reasonable for what you get. They have become like part of the family. Sincere and caring about all their customers.

We didn't have to use it, but it was a very reputable company and I'm sure if we had to file a claim they would have been most helpful. Of course, it helped that the agent we used was our backyard neighbor at the time as I'm sure that would have made it much simpler to file a claim.

I have only contacted them once for my roof. They covered the entire cost except for my deductible and had no issues with payment. The entire process was easy they could have kept me up to date as to when I would receive payments but other than that it was easy process.

They arbitrarily raised my rates and the agents had poor customer service in the Rhodes Ranch Las Vegas office. When you question the rate they don't want to call you back. Then when you say you're going to leave they want to backdate your insurance and notify DMV. Very horrible experience and with another agent with American Family down the road.

I just got a call from AmFam, they are cancelling my homeowners because I am not on the title of the house, my husband died and the house is in probate right now. At what point is it ok to be so cold and money hungry that you cancel a policy where the spouse is living? Never a late payment. Unbelievable.

I was driving through a parking lot and am pulling into a stall, when a lady backed out of a stall and hit me. No problem I thought, she had Amfam. I placed a claim and they said that I was 40% to blame.

Been insured with AF for 20 years home/autos/boats/trailers "umbrella" policy. This year June 2015 we were hit by baseball sized hail storm. Took pictures of all the damage and called our agent to report. Within 2 weeks time (we told him we were in no hurry) adjusters came out and assessed house and barn roof as totaled and arranged a roofing company to come out and replace both, saving us the time/effort and eliminating the chance that we would hire a "rip-off" company. We received check for both roofs and other damage to shed, camper and miscellaneous items a week later. Had a claim for lightning strike/hail damage on house roof 5 years earlier and adjuster came out within the week and wrote us a check to get roof re-shingled. We replaced them with class four impact resistant ones and received a discount off our policy! They've always done right by us and we couldn't be happier with the service we've received over the years!

I'm shocked and very disappointed in this company. I've read some of the reviews how you just cancel people that put their trust in this insurance. You canceled my daughter's ins after they had 2 floods to their home by no fault of theirs - 2 Floods. Can you imagine how horrible that is for for a family with 2 young children staying out of their home for 4-5 months then because you think they cost you too much money so you cancel them. We have been with your company for at least 40 years. Look us up **. I'm sure you have many clients that never or hardly ever make a claim. So I know you're not losing money.

Basically my home has severe hail damages, I have three different roof consultant companies inspected and claimed the roof indeed had sufficient damages which should qualified for whole roof replacement. The AmFam adjuster and his ladder consultant only agreed half of the roof to be hail damaged and denied the other half. Even my roof consultant showed the obvious hail damages in front of them. The adjuster afterwards estimates had many errors and mistakes, trying to bring the replacement cost to minimum. I tried to request the second inspection/opinion, but refused as they told me they would hire the engineer to do the evaluation. They tried to avoid the discussion for their original adjuster when I brought many mistakes and errors in his estimation report. Sounds like they tried to protect/hide the original adjuster's mistakes.

Including submitting false testimony and perjury... Anyone doing a class action please let me know! There was good cause for the MN AG to file false and deceptive marketing practices against AFI several years ago and there really needs to be a class action by former unpaid policy holders and insureds who had to go to trial and still didn't get paid because of unfair trial tactics such as bad jury instructions or fraud and deceit and concealment used to obtain a favorable judgement... they would rather see you die from exposure to black mold than pay to clean it up. Not to mention to hell with your related personal property damages.

My roof was damaged from a storm last year in Nov 2014 & Amfam denied claim. I called back again because my roof is now leaking. They denied again & decided they will replace shingles in area of leak but entire roof is damaged. They are extremely rude & made open 3 separate claims just to deny them all. Why pay for red door on a black car or one new white shoe? Please do not sign a policy with American Family. Save yourself the headache

WARNING WARNING WARNING. The government need to close this company down. American Family Insurance is a total rip off to consumers. I had storm damage April 10, 2015. The absolute worst service. My furniture in my business got rain on for 11 days. This company first said I didn't have any coverage but called back days later. But they didn't lie, what they meaning that they was not doing anything. Over 300k in furniture and equipment was damage and all they can do is to try to get out of paying anything nothing for my customers' furniture and fabric or my inventory and goods. I had to clean up my business move my own goods out of the rain soak building and are doing the best I can to keep my business open. It been a month ago still no help with nothing. WARNING WARNING WARNING DO NOT USE THIS COMPANY.

I recently was on a dive trip in Florida and had some EXPENSIVE gear stolen out of my boyfriend's truck and thought I was never going to dive again after spending all this time and money collecting my gear! Well after filing a police report they mentioned that my homeowners policy would most likely be the one to cover this if any. So after I got back home to GA I contacted my agent who then put me in contact with the claims people of American Family and started the process that I was dreading!

I have had American Family Homeowners Insurance for Four years. I recently reported a water damage to my bathroom sub floor due to a slow leak from my toilet flange. They responded to my claim and paid only $400 dollars after calculating my deductible of a $1000. After the payout was made, I received a letter from American Family Home that my policy was being cancelled because I do not live at the premises. I have two homes in two states where I spend equal amount of time between the two residences. They are both occupied with family members and are never unoccupied. These insurance companies only want policyholders to pay their premiums but not submit any claims. The moment you do submit a claim, they cancel your policy. Please stay away from American Family Insurance. They are garbage.

MY next door neighbor has American Family Insurance and he filed a claim to cover the damage his Sissoo tree roots did to my back patio pavers, block wall, garden, Polynesian Fire pit and sprinkler system. For the past year I noticed that a crack appearing in the pavers on the back patio. I wasn't sure but suspected that his roots to his Sissoo tree that was planted 5 feet from the block wall was causing the damage. These 2 trees were planted within 15 feet of our house and patio.

So I have had American Family for at 4 years. I recently switch agencies when I moved to ** location. Every month it was a issue either with billing or service! But when it really hit hard was 12/24 as I was traveling, a vehicle run me off the road and then keep going. No one called me. I called them. They finally repaired the car after ** basically called a liar then shortly after that ** and ** at the agency revised my policy as if I did a false policy to where they dropped me. Also they put my sister who I share a household with but not insurance (she with Allstate) accident on my policy because we in the same household causes my policy to cancel.

My house caught on fire Feb. 7th and the adjustor who came out to get a recorded statement was very rude and insulting. He did not want to give me an advancement since I lost everything I own from the fire. He stated he would bring it to me the next day when I knew he should have some compensation for clients like myself that have lost everything and should be taken care of through the insurance that they dearly for. He didn't even acknowledge that I was present @ the house so that I could get out of the cold. I have had to have 5 in house reviews and he has not determine what has caused the fire yet. He didn't want to clear accommodations for my son, his wife, and his two children and we were literally removed out of the hotel due to his late payment and placed in a rental home that he has been taking his time to pay, and stated and I quote "I don't like her and the people that has been hire to assist her."

I had to put in two claims on my roof. For the first claim they refused to cover the right materials needed to repair the roof properly. On my second claim they told me they are not covering nothing all from wind damage. They replace the minimum of what you have if that. I have water coming in all over my roof because they refused to cover it right the first time. They are out to get your money. They are not professional and are very rude when you need their help in time of destruction. Don't waste your money with them!

I had an adjuster come out to look at wind damage to my roof. (This is my experience and opinions). He came and sat in his car while the Ladder Assist company did the inspection. When the ladder assist began giving the adjuster his findings, the adjuster refused to consider brittleness or pliability of the shingles. The ladder assist listed 58"+" shingles as wind damage and that the roof failed brittleness and pliability. American Family stated they would only pay for the 58 shingles and would not consider the "+" shingles. I asked for a second inspection and was told that American Family will only pay for the actual damaged shingles and in no way insures the any shingles that would be damaged in the repair and that if all would be damaged during repair that it is not their problem.

Had home owner with these guys for over 30 years. Our home burned to the ground. We lost everything. Their appraiser said it would take $227k to rebuild, they offered me $68k. It took me three years and lots of trouble to even get my personal prop paid for at a great loss, but I can't take $68 for a home that cost over $200k to build. I sued and we were going to court. It took over 5 years to even get them in court - they play the stall game. But I won and even got 1.2 million for punitive damages. My new company Foremost is great. We lost our home again 5 years after building the new one to flood. And the new company were there for us, helping us all along the way, finding us a hotel to stay in, food, clothes, everything. THEY WERE GREAT!

We have both car and renters insurance with American Family Insurance - rates going up for no reason. With our renters, insurance was only $4.00 per mo. because of our car insurance. Freak accident happen with our car and dog in car, and the car rolled into our garage door and dented it. They have refused to pay for it and to us, our renters insurance would not cover it. Our property company we lease from is now going to take out over $600 - our damage deposit when we move out - does not make sense to us. What if our car was at our neighbors' house and the same thing happen? We do not know what to do? Help? Is this legal?

HORRIBLE!! HORRIBLE!! This insurance is not reliable. We had to deal with them on 2 different occasions and both times were BAD. They take months to get you a response on your claim. If you don't keep calling them you will never get answers and then they never fully replace what has been damage. They always find a "loop hole" so they don't have to spend money and you have to cover the cost yourself.

My insurance agent said because of a computer program my rate raised $400 in one year. This wasn't due because of a claim it was due to factors like age and location. This kind of a rate hike is unacceptable. They "said" I was notified but for sure I never got anything in the mail. This is why you must talk to your agent every year. I've been using the same agent for 10 years and never got a review. If you have AmFam look at all your policies and make sure this didn't happen to you. I would shop around if you do. Due to screwing me out of money I am dropping this company. If you do have them watch them like a hawk because this could happen to anyone. I would just pick another company. Not worth the risk.

I have business insurance with AMFAM and my company experienced a major loss on 10/30/2013. Since then, I have been getting the run around during the claims process. They paid the maximum total of my business personal property after they tried to get me to settle for the amount, but I refused because there were additional losses that had occurred. Even though I refused their settlement, they are using tactic after tactic to get me as close to that settlement amount possible. It appears as if they are trying to force the settlement on me. They knew that I had incurred a larger loss than my personal property to begin with so it would make sense why they would want me to settle for that total. After evaluating the business loss income and expenses as well as other losses that were mentioned in my policy, I am so glad that I didn't sign on the dotted line to accept that settlement as they would have only been liable for that amount and I would have taken a loss of over 100k. I am still in the process (after an entire year) of trying to recover my losses. I have had to file my second complaint with the Officer of Commission for my state. I would never ever recommend them to anyone.

Issue resolved.

American Family Insurance is awful. My HOA association is currently in a litigation process. We suffered damage from hail storm and rain and my roof has been leaking for 3 years. They refused to pay even though we paid premium. They still advertise on the radio! These people are terrible! Do not go with them. Terrible people who don't care about you. I am so upset. I hope that the trial works in our favor and that those idiots will have to pay double of what we are asking them for. Just a perfect example of what is wrong with our society. I even contacted a lawyer on a personal level who told me that they are always being sued. Save yourself some money and time, run!!! AmFam is scum!

American Family denied my hail damage claim stating the roof is already defective due to Certainteed roof product. Every home is being replaced in this neighborhood and surrounding areas. They were all built at the same time, by the same contractor, with the same roof. American Family charges a premium price but does not offer a superior product. Contractors have told me they can't deny the claim because the damage was done due to a poor quality roof.

On Sept 2013 my home suffered damage due to straight and down line winds. We lost several trees, my awning was ripped from my home and found in my neighbor's yard, shingles from my roof were found throughout my yard as well as my neighbor's. American Family will only cover the damaged shingles and will not replace the roof. My shingles were sent out for a color match and now I have a polka dot roof. They said the policy does not require them to replace the roof due to the shingles not matching in color. If you are shopping around for insurance you can expect American Family to "patch job" your home with mismatch color and quality materials. I have taken my complaints to their higher ups and when I asked them if they would feel this would be acceptable on their home, they refuse to answer. Should I only replace one shoe if it has a hole in it? Their logic is yes because it's the one with the hole. Hopefully the Attorney General and the insurance commissioner will do something about this scam!

Things are fine as long as the money keeps coming in. But if there's ever an unfortunate situation where you need to use/utilize the service you been paying for, don't count on Randy ** to be on your side. He'll be absent and you'll have to deal with his absolutely helpless office girl. Oh BTW, I found rates considerably cheaper somewhere else. Glad I no longer have to deal with Randy ** broken commitments. On top of all that, he is completely unprofessional. He's got that "hey man, I'm a washed out golfer that never made it to the PGA" attitude.

I recently filed a claim for damages related to my lateral sewer pipe leading to the exterior of my home. I purchased additional insurance last year to cover damages relating to sump pump back up etc. My claim was initially approved and I was approved and was credited for the $ 800 I spent for installation of a TEMPORARY pipe to prevent further flooding as the ground was frozen, and was unable at the time to replace the permanent one due to weather in Wisconsin. The adjuster just informed me that my additional policy does not cover frost and weather related issues to my pipes in my house. She initially said that they do Not cover wear & tear or poor craftsmanship on my home. I explained to her that my home was a new build and that it was inspected by the city. Multiple phone calls to my agent and the adjuster was placed to no avail. I am changing all of my insurance policies to another company ASAP. I am now stuck with the Bill for the sewer lateral in full. Bottom line, Avoid this company at all costs, they deny claims and pay nothing. Why pay their high rates if nothing is ever paid.

About 10 months ago, our insurance company refused to allow us to renew our home and auto policy due to our son's driving record which is not really that bad. He was 23 years old at the time and was not on our insurance and had his own insurance. The only reason they gave us is he lived in our home. I thought as a US resident was immune from such Unconstitutional discrimination. To punish us for a 23-year-old because he lives in our house has got to be illegal. After talking with other people, it seems they have done this before. They need to be sued, I guess.

A water pipe broke and they said they would stand behind it. There was mold everywhere. Could smell it as soon as you opened the door. They said they would give us the money that it would cost to repair the house to build a new one. We were fine with that. We were willing to put another 100,000 towards a new one. But after two months we haven't gotten a total of the cost of repair. They gave us a small check that would start the repairs. Didn't even include repairing the pipe or anything. We haven't cashed the check because they promised a new furnace, washer and dryer which weren't included. The carpet wasn't included.

I am a fairly new customer with American Family. I been with them for about 2 years. I did have an auto claim which I was very happy with their service. The claim was settle quickly. No problem. The problem I have now is I just got my homeowner's insurance bill. Last year I paid 4/9/14 a total of $527. My new bill that I just received was $674. That is a 25% rate hike. Why? I have had not house claims ever.

I have been with this company for over a decade and have NEVER made a claim. Everything I own is insured through them - home, 3 vehicles, life insurance etc. Recently I have had a major issue with my home and contacted American Family agent, my agent, Jim **. Prior to the adjuster coming to my home, I had a foundation expert and a structural engineer come out and assess the damage to my home. The adjuster then came out and assessed the damage. Everything he said was the exact opposite of what the two professionals I hired had said and subsequently denied my claim.

We have full boat dock coverage and had a harsh winter. Consequently, our dock suffered ice damage per our adjuster. Poles were bowed and the boat lift damaged as well as the dock frame bent. Unfortunately, he said it is not covered because the only way ice damage is covered is if it caves in the roof and causes damages. That is like saying wind damage is only covered on Tuesday evenings after 7pm. Very disappointed in American Family's full coverage.

I have been with American Family Insurance for about 3 years now. A hailstorm hit my area and they denied my roof claim. This is the first claim I have ever reported, because there was true damages to my roof. All my neighbors around me got the roof claim approved by their insurances and had a whole new roof replacement within 3 months after the storm. The adjuster that came out to look at my roof never even call to tell me he came by to look at my roof. He denied my claim, and the case was closed. No one from this company bother to call me. I had to reopen the case and they assign another adjuster who did the same thing! I waited nearly a year and all they did was end up denying my claim. I do not recommend this company and every year they do raise their prices without notice! I thought I would stay covered with this company, because they're suppose to be the "American" Family Insurance company that will value their customer. I thought wrong! They do a great advertisement on their company, but all of it is a big LIE! Do not fall for their trap!!!

I've been with AmFam for 6-7 years now, and had everything insured with them: renters, autos, motorcycles and recently home as well. I received a letter of a home insurance price hike in the amount of $170/year (!?!). No claims, no late payments, nothing, nothing, nothing... We still have 2 cars and 2 motorcycles with them. That is ridiculous!!! I called to ask why the such price hike. They said there is an average 11% increase to all renewals. I thanked them for advising me of the price rip-off in timely manner since I will be buying a house insurance with completely different company now!!!! No more AmFam rip-offs. Sick and tired of them!!!!

Having been a twenty year customer of American Family Insurance, I didn't think twice when filing my first claim on my weathered shingles. Also knowing that 6 neighbors (with exact same shingles) recently had their entire roofs replaced, I didn't even fathom I'd have an issue. Let me mention that all our homes were built by the same builder and had organic shingles installed....ones that are no longer manufactured. Let me point out that none of my neighbors had AFI as their insurer. And considering that I had years ago purchased an additional policy for MATCHING SIDING AND SHINGLES!!! How is this possible?!? They would only approve to repair a portion of the roof! They sent a sample shingle to some bogus 3rd party company to find a matching replacement. The replacement they found was different in size, different in color and different in composition! It was made of fiberglass mat....not organic. And they said that I'd have to use these shingles for repairs. Did I mention the additional policy for matching product I gave these "people" money for? What a complete insult... Anyone who uses this company is a complete fool.

My apartment was broken into on June 6. I've gotten the run around ever since. The insurance investigator came out, asked me questions, said I was truthful, and he would call the adjuster and tell her. Then one month later, I call for an update. She calls back. I am still under investigation. I had nine leather jackets. He said if I had one, he wouldn't be here. Now I have done an investigation under oath. I do not even know when I feel I'm just being treated unfairly. Here it is 4 months later and waiting.

As a result of a homeowner's insurance claim I had with American Family Insurance, I ended up being evicted from the motel where AmFam had placed me because AmFam arbitrarily cut off payments to the motel. The repair work had not progressed to the point where the house was safe for occupancy so I ended up sleeping in my car for six weeks! I am a disabled senior citizen. When I made my claim, the adjuster showed up in a timely fashion and took the claim with no problems. However, he was deceptive when he told me that I had to use the contractor he brought to the house. When the repair work was supposedly finished, the insulation in the attic had not been replaced and there were wires hanging out of the wall just to name a few of the problems. No permits had been pulled by THEIR contractor and none of the required inspections had been done. AmFam said the work just has to be done; it does not have to be done according to any industry standard. Found some terrible reviews on a website about the contractor but same reviews have disappeared from the site. One has to wonder why AmFam has such a close relationship with this contractor. I thought American Family was a reliable company but my experience was a nightmare.

I had been with American Family Insurance since I was 18 years old. I am now 40 years old and American Family Insurance has flooded my insurance report with zero paid out claims. Every time I called in for a question this prompted for an adjuster visit, not knowing that every time an adjuster came out that was considered a claim and it would be reported on your insurance record. When I got the entire $1,800.00 up for my homeowner's insurance after American Family Insurance canceled my policy for turning them into DORA, I was informed that American Family underwriters would not write my policy due to one of the very reasons I turned them into DORA and that was because they put excessive zero claims on my account making it almost impossible for me to find Insurance coverage on my home.

I just found out that the Claims Adjuster whom American Family Insurance sent to my home to inspect the roof after a MAJOR hail damage was not licensed in my state. We asked point blank if he was an actual employee of American Family and he misrepresented himself saying he was. I found out that he was a hired gun from a major Insurance Adjuster firm. It explains why he showed up without a ladder nor a business card. Beware...

We have had our insurance (auto, home, life) with American Family for over 17 years. 10 years with our current home. I have received a cancellation notice on our homeowner's insurance because we filed 3 claims under our endorsement for sewer backup over the past 5 years (2008, 2012 and 2013) - an endorsement that we pay for. What is the purpose of offering your customers something that they pay extra for and then drop them for filing a claim under that endorsement?

We were customers since 1997 on home policy. We had bad weather. The roof had hail damage. They paid half on claim, then said we had run out of time on roof. The agent ,a total idiot would not even speak up for us or to us. We went to Farmers Co.They are more honest on Customer Relations and communication.

We have been American Family Insurance customers for years. We currently have a shake shingle roof. After numerous hailstorms, of which all of our non-American Family Insurance neighbors received new roofs, ours STILL refused to replace. Now, we have decided to go ahead and pay for a new roof out of our own pocket. The catch is... we decided to go with the most top-of-the-line roof that our HOA would approve. It's rugged, tough, looks nice and is very expensive! Lo and behold, American Family Insurance says that it's so new, expensive and highly rated that they have yet to do "tests/research" on it. We can have the new roof installed, but until they do the research/testing on it, we will not receive a 24% discount (the most that they offer with their company).

My love agent, Haley **, has always been nice and very helpful!! If you never have to make a claim, this is a great insurance group. I put in a recent claim & the siding for my house (size & color) is no longer being made. So after several phone calls, I was told only 2 sides were going to be paid for. Thanks!!!!! Now I'll have a house with 2 different colors and size. Thanks for decreasing the value of my house!!!

We've had a series of hard rains, small hail this spring. Last fall, I inspected my roof. It was fine, but now it is toast. There are several large bare spots in the shingles on the east side of the house. My neighbor has similar issues, and his company, Nationwide, paid for a new roof. The American Family adjuster claimed that the roofer had installed defective shingles and would not pay a dime. I've been a customer for 25 years. During that time, I have made 1 or 2 small auto claims. I currently have life, home and auto with them, but not for much longer. What a terrible way to treat a long term customer.

American Family Insurance customers: be on the lookout for a 25% increase in your homeowners insurance premium rates. Just got the phone call today from my agent indicating that recent weather in the Midwest will impact my upcoming policy renewal. I have been an American Family customer for 18 years, but they will lose me after this rate increase. The big shove came when my agent attempted to push a $1000 deductible versus my current lower deductible - indicating that this level was the norm. Poor sales tactics in attempting to norm the $1000 deductible which will reduce the company's administrative costs. I see American Family being influenced by corporate greed on this premium increase. They reported a 22% increase in net income from 2011 to 2012, increasing from $29 million to over $360 million. Too bad they are losing a loyal customer by attempting to maintain the 2012 profit margin rates.

I have been an American Family Insurance customer for 25 years. Yes, 25 years! My husband went to high school with our old agent. So his first car, he insured with American Family. Then, we met and married and I insured my car with American Family. Five years later, we purchased a home and insured it with American Family Insurance. Twelve years later, we sold that home and purchased a new home which we have been in for 8 years. Two years ago, there was a hailstorm and caused major damage to our tile roof and many other items including our air conditioner. Up until now, we never had a claim.

I am a homeowner. In July of 2012, we had two bad hailstorms come through my area with wind damage. I've had 5 contractors come out and state that I have damage. AmFam's adjuster was rude, went back and said it looked like we went up on the roof and damaged it or something. Mind you, there is a YouTube video of the hailstorm that hit this area and 90% of the houses around here have had their roofs and siding replaced. We asked for another adjuster to come out. The same one came out and stated to my contractor that he was glad we didn't get up there and cause more damage like he thought we would have. So he sent in a quote. AmFam changed it to meet our deductible so it would zero out. Then they gave us a letter stating too little damage and they are closing the claim.

American Family Insurance is a friendly company when you purchase your policy but wait and see how they treat you during the claim process. I recently filed a claim involving water damage to the master bathroom in my house. The damage was caused by a "cracked pipe" under my garden bathtub which is completely enclosed. The water damage created mold under the tub and on the baseboards and walls. The adjuster from Prescott, AZ and his boss from Phoenix, AZ said they would not cover the damage because it was not "fast and sudden". Whatever does that mean?

Please read and you will understand why I feel this way. On October 23rd, I called American Family Insurance concerning roof damage. I called three other roof companies to get an inspection too; and all three companies arrived and examined our roof. Individually, they said the same thing: I had roof damage from the hail storm dated back in May. Jay **, American Family’s Property Claim Field (Senior) Adjuster, came over November 1st to inspect my roof. Promptly after, Mr. ** informs me that it wasn’t hail that damaged my roof but I disagreed. He then made a ridiculous assumption that there was nothing wrong with our roof, so I told him that I am going to contact his boss. Before Mr. **’s departure, he said to me: "You people are always looking for some money." I took his statement as an insult, as I’ve had American Family Insurance for some 35 plus.

I had a break in on May 29. I settled for jewelry that was stolen and the back door and screen were damaged; was told to get them replaced. The door is being replaced today 9/10/12, only took 4 months and still no screen door. This company American Family is the worst insurance company. All those poor people with homes damaged, homes from storms that have this company, I feel so sorry for you. If you have American Family, get rid of it, they do not pay. I’m paying $2,100 a year and just switched to Nationwide, $1,200 for the same coverage.

Reputable contractors quoted $17,000 in damages after 90 MPH windstorm. Due to bad faith, it has damaged my roof and windows. The adjuster visited and reduced my claim to $490. After applying my deductibles what is left is $0. Banks say that I must maintain homeowners' insurance. They also say that I must keep house repaired due to mortgage agreement. Basically no money, then no repair. That's the bottom line.

Due to significant hail damage, our neighbors had their roofs replaced through their insurance companies. AmFam denied our claim even though we suffered the same damage. What options do we have to get AmFam to pay for the roof replacement?

According to our policy, we qualify for full replacement of our roof from hail damage. They claim they only pay for full replacement within 1 year of loss and that the storm happened 5 years ago. First, our policy has no time limit on full replacement. Second, several storms occurred at our home over the last year. They only paid us 20% of our claim hoping that we would accept this.

I asked for a renters insurance and was charged at least $10 over quotes I got later. I was asked to pay 30% upfront, which I did. Later, I decided against insuring with them and I didn't pay anymore. Now, I've received a notice from Credit Collection Services in Newton, MA to pay $22.90 owed to American Family Insurance. Someone pocketed $40 for nothing, and now, it's not enough! What am I supposed to be paying for?

I recently sent in a complaint to the consumers affairs dept. about the service I am getting from my adjuster, and now I come to find out, because of his hesitation, I just recently, about a week ago, got the funds to begin the repairs. I also found out that I am running out of time to get the repairs completed. So I am begging you for an extension on the due date to complete the repairs on my home. On 4/4/2012, is the closing date for my claim and that's just not enough time to get all the repairs completed, due to the fact that I only had the funds for the repairs about 8 days. Can you extend the due date for 60 days please? That should allow me to contact the contractors to allow them to set time in their schedules to get completion on all the repairs and any additional damage so my family and I can move back home. Claim # is** policy # is **. Please Help me and my Family to get back in our home. I'm begging you please.

In spring of 2009, a claim was filed for ice wind and water damage. It took a while to complete claim as they asked me to send a shingle and I did that. They wanted a whole three-tab shingle then. When they did send a check, it was made to mortgage company and took months to get signed to cash before I could start roof replacement. Also, they only sent half and didn’t include the permit or dumpster fees. Anyways, we decided to do an addition at same time and upgrade to steel roofing. We finished our part of the house on fall of 2009.

After about 30 years of having my homeowner's policy with them, I got a letter that said they are canceling my insurance because my garage needs repair. I never filed a single claim in all that time.

My home got hit by a cement truck on 8-2-11. I went through my insurance, American Family, and caught the adjuster lying to me and threatening me. I started to tape record our conversations. Now, I have to deal with their attorney who has lied and threatened me. Now I can't get a check to rebuild my home, and the last letter from the attorney said "if my home isn't built and completed by 8-2-12". I got nothing. I can't build it without the insurance check! I'm on SSD, and they know this when I met with the adjuster Gail **, after I was released from the hospital. Gail already had my credit report! What does that have to do with my house being hit? I'm renting a house now, and I have no furniture. My insurance is to pay for rental furniture. I've been here since November!

I recently purchased my first new vehicle. I called to add this to my policy and remove the old vehicle which I had loaned to my son and he was insuring in Washington. I was questioned by Joanne at the Matt Moffit agency about why I was not keeping the PT cruiser insured. I explained to her that my son was using the old vehicle and it was insured in Washington where he lives. She called again to let me know the PT Cruiser was no longer insured and I told her I knew that and it was okay. I waited for a new policy on my new vehicle and it finally came about two weeks later. Then about a month later, I received a double bill for $140. I paid this bill as soon as I received it online through my bank.

I have damage to the front of my home. My home is only seven years old. In the last three weeks, I discovered that my natural stone was falling off in huge sections. Also, the stone is cracked up on both corners. I've had three people look at this and all three have told me that it is water damage. Somehow, there is water getting behind the wall and popping the big sections of stone off the wall. I did discover a mold issue along with the stone problem. I had chris ** from American Family Insurance come out and she said it is due to settling. The house is seven years old and if this was going to settle, it would have settled in two to three years max. The flashing is bent up on the north wall. The inspector told me this is due to ice damming.

I have attempted to file two claims now for the damage to my home. In each case, the inspector came in and found an excuse not to cover. The first was water seeping into my basement due to an animal having burrowed under my front patio. The inspector claimed that that wasn't the cause (my home inspector-friend disagrees) and that we don't have flood insurance. He also said he knew that before even coming out.

After 30 years of paying my insurance to American Family without a claim, I decided to claim the hail damage to my roof after a bad storm this spring. All my neighbors were doing the same and getting 100%. I had my adjuster on my roof while the next door neighbor was starting his roof. I was told by my adjuster that I had no hail damage and he could not explain what the bruises on my roof were from. He also told me I don't know anything about roofs since I'm a woman. My neighbors were also shocked at this discrimination.

On July 24, 2011, I had a sewer back in my basement apartment. I called American Family 24-hour call center to file a claim. After the 3rd day, the carpet in the unit began to smell, so I had it removed. I took pictures just to prove that it was there. Ten days had passed before a field adjuster called me to view my property for inspection. I showed him the carpet pictures and advised him that I had been spraying the walls with bleach to keep the mold down like the last field inspector had told me to do because I live in the unit and didn't have any money for temporary relocation. He commented that he could not smell any mold and would submit a request for payment to replace the carpet, the drywall in laundry room and painting, plus some money for carpet debris removal.

On March 14, 2011, I was looking online for homeowners insurance since our insurance has gone up $200.00. I did fill out this form online which sent them to several insurance companies. Jennifer called me right away. I gave her all the information from my insurance company that I have now, then she had said she gave me a quote 2 years ago, but would work something up and get back to me. She emailed me the information but emailed me two different quotes so I called her. The first quote came in at 1:39 pm at $581.00 with a $1000.00 deductible, or $566.00 with a $1500.00, then the second email at 1:59 pm at $799.00 with a $1000.00 deductible or $776.00 with a $1500.00 deductible, so I was confused that's why I called her at that point. Jennifer told me that the $566.00 was more or less a dummy quote, as she put it, and the actual quote was $799.00.

American Family Insurance continues to have bad practices on policy cost. Today, after being with the company for over 30 years, since my home insurance is escrow with mortgage, mortgage company received notice underwriting canceled my home policy even though the home information is on my auto bill. Due to economical hardship, I was struggling in 2008-2009 and it hurt a few attributes that build the cost for home and auto rates (e.g. credit score, claim (over 5 years ago), one late payment (after being with American Family for 30 years)). So, I had to increase my deducible to make the payment, that was the solution.

Our roof is in need of a new roofing job. This is our second claim (the first one was a patch) now the roof is leaking in other places. I can not use the light in my kitchen because of the damage (water leaking over my table). When we made the claim, we said it was the roof, but Jon said he came out, took pictures of two places that he would have patched. Wrote a report and sent us a check. Case closed?

American Family Insurance has hired a 3rd party investigator to check on our rental properties. We had an AC company replacing an AC unit and the tenants looked out to see a strange man had entered their backyard via their gate. They asked him who he was. He said he represented us showing the tenant a paper with our name and address on it. The tenant knew better having spent the greater part of the last 48 hours discussing their non functioning AC and said funny, we would have mentioned it. They indicated they would go call us. The man was asked to leave. He got very rude with the tenants as he left indicating he got paid no matter what they did.