Assurant Renters Insurance Reviews

The next month, I received a notice from Assurant that another payment was due. I made the payment to ensure my insurance stayed active. After several calls back and forth with the mortgage company and Assurant, the payment was miraculously located by Assurant and applied. I was told I would receive reimbursement from the overpayment. However, here it is mid-November and nothing. I call and call and they assure me the "check is in the mail," but I am growing weary and tired of this company. I am ready to file an FTC complaint and complaints with the state insurance governors. I also think some emails to the board of directors would be appropriate.

Original: I’ve just had a horrible experience with Assurant. On September 30, 2019, I reviewed my water bill for the month. The bill was outrageous. Showing that I had used approximately twenty-four thousand gallons of water in September. Once I received the October bill, the total usage was about fifty thousand gallons of water. That’s about three average residential swimming pools. A water pipe had broken under my kitchen.

I called the landlord right way on September 30, 2019. Plumbers arrived at the house on October 1, 2019, and fixed the pipe but did nothing concerning all the water that was released from the break. The water just sat there coming up through the wood floor. With-in about a week my walls from the bottom going up were growing mold. The walls were soaked. The wood above the windows dripped with water. Even the refrigerator’s outside door was dripping with an enormous amount of water.

The mold was growing rapidly. The wood floors in the kitchen were covered in mold. The living room, bedrooms floors had mold growing on them. My items had mold growing all over it because they were so wet. Not only items on the floor but even items hanging on my bedroom door were soaked. My laptop was electrocuting me when I would hold down a key and touched the metal next to the keyboard because water got into it. It was just a horrible experience.

I informed the landlord. The landlord was not taking this seriously. I called Assurant. Not to put in a claim because I was hoping the landlord would step-up. But, I needed to know if I was covered in case I would have to place a claim. I called new claims. They transferred me to a department that could tell me about all my benefits. They were very helpful. They informed me not to worry, I was covered and gave me my benefits.

After a few days of begging the landlords, the landlords went missing. Stopped answering the calls. Would not respond to me. Sent certified mail and they refused to sign for them. I had to hire an attorney to sue the landlords. My attorney Ms. Allison ** informed me at this point you have no choice you need to place a claim with my insurance company.

I called Assurant and placed a claim. New claims said they would have an adjuster call me within forty-eight hours. This is where it went downhill and just became an awful experience. Not only was I dealing with all the trouble with this house, I now had a person that is just awful with customer service at Assurant. I was assigned Manuel **. He called me and it was just a horrible conversation. He said, I received your claim. I’m going to give five thousand dollars in total. What do you mean five thousand in total? This isn’t something arbitrary! How the conversation went and how he put it. It was like he decided just to roll dice, ask a magic eight ball, or just pick a low number that he could get away with it. During the entire conversation I tried to ask questions, tried to explain what was happening. He just continue to interrupt me. It was horrible!

I informed Mr. ** that I had to throw a lot of items away because they were so soaked, contaminated with dirty water, and mold growing on it. He then sends a letter stating a reservation of rights about throwing the items away. I called Mr. ** and tried to explain to him that I have pictures and video of every item of all the damaged items. He won’t allow you to talk. He interrupts me constantly and changes the subject to documents I’m not even talking about. He still says I’m still only providing five thousand dollars.

First, what do you mean only providing? That’s not how this works (or should work). There is a written black and white policy. It’s not.. This is what we're going to do. No, it’s what the policy says. The worst is at the end of the conversation when he states, "I’m sorry for what you're going through." It’s such a slap in the face. How the entire conversation went, how he interrupts you, how he does not allow you to explain, it’s almost like he is required to say that as a canned message. It has no meaning. You’re dealing with all your items damaged, wet, and mold growing on it. Living in a mold infested house with your two best friends (my two dogs). With all this going on I then have to deal with deal with Mr. ** who is supposed to be there to help me.

Finally, I had it. I decided I was going to his supervisor. Mr. ** gives me his supervisor’s Alex extension. If you think you can’t get any more frustrated I had no idea what was to come. Assurant phone system is absolutely the worst. Assurant employees like Mr. **, and when I did speak to his supervisor Alex, when they call (Alex, Mr. **, and other employees of Assurant) they leave a voicemail and state please call me back at extension, dot, dot, dot. But here is the thing. Assurant phone system doesn't allow you to enter an extension.

I was on the phone for close to fifteen minutes trying to figure out a way to enter an extension. You finally get to someone who says well try placing 70 in front of the extension. Or the next employee says try entering 40 in front of the extension. NONE of that works!!! You get to an employee and ask to be transferred to an extension. They want to know everything. They want to know who you are. Do you have a claim? If so, what is your claim number? You give them your claim number they transfer back to Mr. **. I try again, saying I’m not giving you any information just transfer me the extension. They say they won’t. I ask for their supervisor. They transfer me into their supervisor’s voicemail. It’s beyond frustrating!

I did finally get to speak with Alex, the supervisor of Mr. **. And Alex confirms their phone system doesn't allow for extensions. WHY! WHY! WHY!!!! Do you give out extensions than! Just to waste the customer's time??? To make them more frustrated than they already are???? While I was working the phone system trying to get to Alex I came across Anna. When I got to Anna, I was not in a good mood. When she answered I just said, “please transfer me to extension *** (Alex’s extension) if you can’t then place your supervisor on your phone”. She was a little setback and said, okay. Of course, she states, "Can I get your name and claim number." I said my name is David. That’s it. Either transfer me or get me to your supervisor.

Anna I assume could tell how frustrated I was. She asked what’s going on. I didn’t want to tell my story and waste more time. But for some reason, she just seemed like she cared. I started telling my story. She actually cared!!! She even stated things like what I was thinking. Like what kind of landlord does this. She didn’t interrupt me. She listened!!! She actually cared and it was like she placed herself in my shoes and understood what I was going through.

At this point, I had been so frustrated with Assurant that I was just about to sign another retainer agreement with my attorney Ms. Allison ** to sue Assurant. But, the conversation with Anna made me hesitate. She said she would help me. Anna needs to be recognized for what she did for me. She was awesome! She listened! She cared. She helped. Unlike the customer service that I was having with Mr. **.

Anna, got me over to Alex. Alex informed me he looked at my water bill and said there is no question there was a huge water leak. Fifty thousand gallons of water like I said is over three average residential swimming pools!!! My policy will go into full effect including the full amount for temporary housing. Alex asked if I would prepare a spreadsheet with all the items damaged. And please send pictures.

Once again, here we go again with frustration with Assurant. I took a picture of every item that was damaged. It’s 2019. You use your phone. Your phone takes a high-quality picture. Each picture is close to 10mb. When fifty thousand gallons of water is released you have A LOT of damaged items. Alex and Mr. ** wants you to email the pictures. Their (Assurant) email server only allows 50mb in one email. I can only send three to five pictures per email. Plus, I’m in a hotel. Hotels don’t have great internet. It takes about twenty to thirty minutes to send one email.

I called both Alex and Mr. ** on what their mailing address is. I can copy all the pictures and videos onto a USB thumb drive like I did for my attorney and send it to them. Saving a lot of time. But, they don’t have a mailing address. They don’t accept USB drives. Only email! It’s 2019! Seriously!!! It took me two days to send all those pictures. And I have to pay for space on the email server. It’s not like I can just go and delete the email once I send them. This is an insurance claim, possibly a lawsuit against Assurant. And a lawsuit against my landlord. I have to keep these emails for years and pay for all that storage for years! Do you think Assurant is going to pay for all that extra storage for additional years????

After I create a spreadsheet and take the time to send all the pictures by email I received an email back from Mr. ** on Friday morning stating that he wants to know which particular items were directly on the floor. You’ve got to be kidding me. You want to know what items on my list were on the floor, had been on the floor, placed on the floor. First, the walls are soaked with water, my dresser drawers had water in them, my DSLR camera bag under my bed had water in it, plastic containers under my bed that had my dogs medicine, button maker, etc. had water in it.

The top of my windows had water dripping from it onto my items. Again, instead of helping it’s more like what can we do to absolutely do the least to help and make the most work for you! In that email Mr. ** states his phone is not working. I send an email with a couple questions Friday morning. Of course no response. Now I have to wait for the entire weekend. All while I’m in a small hotel room with my pets! Hair pulling frustrating!!! Enough is enough, I informed Ms. ** to go forward. I’m done dealing with Assurant! I don’t know if it will go all the way to a jury but a jury is a group of my peers. I don’t know anyone that would want to go through what I had to.

Original Review: Nov. 7, 2019

Bad customer service, slow, and website doesn't even work! I submitted my claims info online twice and every time it says "error updating claim". SO FRUSTRATING. Please have a website that works and better customer service.

I’ve given them case numbers, place reports I even went as far as and said you could speak with the detective who is on this case, gave them the persons name who stole the items etc. and it’s been over 30 days and I’m still fighting for this. Not to mention at the end of our conversation the so-called investigator states, "you know you’ve only had this policy for two weeks and you’re making A claim." It didn’t register to my brain until I hung up the phone due to the fact that I was at a car dealership and I had a lot going on at the moment. I’ve asked for her supervisor to call me back. I spoke with Ronald who is my adjuster and gave him my feedback and he agreed with me the way that she spoke to me was incorrectly and said that he would try and reach her supervisor to reach out to me. I have yet got a phone call beans.

Their phone calls are recorded. I wanted them to hear how she spoke to me. Doesn’t matter if I’ve had the policy for day, two years. When something happens it happens. That’s why you buy out a policy. But after reading these reviews seems like this happens to everyone for either overbilled or can’t complete a claim and it seems like everyone on Assurant and seems to be rude. But think about it you as an insured employee if you get into a car accident one day after you have your car insurance or renters insurance would you make that claim sit and ponder on that.

ANNETTE ** is this so-called investigator by the way not to mention she has called me on different occasions calling me different names and have apologized to me and was very rude when I said, "I’m sorry who are you asking for," and she would state, "you made a insurance claim correct," and I would say, "you have the wrong person but yes I did. But you’re saying the wrong name." And then she would nicely apologize after being rude. So perhaps their files are mixed up and there’s no organization with Files. So I hope my personal information doesn’t go in the wrong person‘s hands because it seems like there’s no type of organization at this company nor communication assurance.

After reading all of these reviews I really don’t see anything positive. You guys have got to do something. You got to be better, do better, have some respect for your clients. Without clients they don’t have a job. Without your representatives we don’t have renters insurance and we’re not covered. Without respect from your representatives you won’t have clients. Without handling your policies in a timely manner you will not have policies. Having these bad reviews you won’t have policies. I'm sure you get my point. Lisa **

Now with Assurant (mind you I did not pick this company, cause as with most people with them, GEICO partnered with them without consulting with me or telling me who my renter's was with until after I signed up) they needed proof. A receipt was was provided for two of the 4 items. The other two I only had pictures. I had a close-up picture of my guitar amp in my living room and one of my guitar in its case. Then I also provided a picture of me playing both onstage. Well because the amp was under $500 they didn't question it and paid max out in it as well as both receipted items but because my guitar was a really expensive high quality guitar I was told they couldn't insure it for what I claimed it was worth unless I had a receipt. I was given it as a gift from my now deceased Grandmother which means I have no way of getting a receipt. So even tho I had proof of ownership by their standards, it was not enough.

The agent found a "comparable" guitar by his standards. The guitar I lost was a PRS McCarty which brand new is $3700. I only filed the claim for $3000. What he choose to reimburse me for was a $600 Target guitar!! Wtf?!?! How is that in any way comparable? So when I responded by saying that is not acceptable while also asking how I could make sure this doesn't happen with my other guitar, which is literally irreplaceable since it is professionally hand carved and one of a kind, I got radio silence. The adjustor refuses to even answer the question or get back to me at all anymore. How is a crappy Target guitar comparable to one of the most prestigious guitar brands in the world? They didn't even go for the cheapest PRS guitar which I provided proof it legitimately was.

How is it that one company wanted to basically overpay me while the other refuses to pay me for the exact items I lost? I guess being honest doesn't go far when you have Assurant. I now see why people lie and commit fraud by giving insurance companies exaggerated lists of what was lost. I'm not done fighting this but because the adjuster won't even get back to me I had to go online and report this injustice. If they still refuse to properly insure my property and not even answer their clients, GEICO and Assurant will have one less client. And I will also tell every single person I know about them both. BE A COMPANY WITH INTEGRITY ASSURANT!!! Take care of the people who give you money every month. Please.

I'm hoping to get this resolved because word of mouth is the strongest advertising that any company can have and this is ESPECIALLY true for insurance companies. Going on 3 days of back and forth with no conversation at this point and I'm about ready to bring my attorney into it. if I can't even be contacted correctly when I have a claim, then why have I been paying?

I called back a few days later, and finally got through. I was told that although I was told I’d receive a call, that wasn’t the case, since I “opted” to file my claim self-service (I did not, but rather was told to submit it this way, I was not given another option). She asked me for more information to prove that I actually owned the items that were stolen. I collected and sent them all, including the police report, that same day. I included photo, video, and text message communications that proved the concert tickets were in fact gifted to me.

I waited a week, and after no reply, I called my adjuster to check on status of my claim. I was informed that the tickets would not be covered, since I didn’t have proof of purchase. (They were a gift, so I could not provide it.) She then told me that my briefcase and laptop should be covered, since I provided receipts for them, and video/photo proof that they were indeed mine. She said she would call me with any updates, as they still needed to do some “research”. It’s not clear what they need to research, as I have provided them with everything requested.

It’s been a week since last contact, and I have still not heard back. It’s been 3 weeks since my loss. It is ridiculous that it has taken this long. The point of insurance is to make you whole, after you suffer a loss. Even if and when I receive my settlement, I will not be whole, since they won’t cover what was actually stolen. I just realized that there was another item stolen sitting this incident, but I’m not going to bother with adding it to the claim, it won’t matter if I do, and I don’t want to do anything to hinder this process further.

I would absolutely avoid purchasing any coverage from them, and look to a more well known provider, such as State Farm or Allstate. The only reason I even have them is because I got it through Geico. When I purchased the policy they Geico, I didn’t realize it was someone else that would be providing the policy. It makes me want to cancel Geico as well.

I called claims and asked if we could rent a motel in the meantime, my kids are asthmatic, and asked if I would be reimbursed and they promptly told me that only the adjuster could determine that. I'm so frustrated and I don't have any more money to rent a hotel room so we have to stay in the apartment regardless of the fumes. I can't believe no one has contacted me yet. Imagine if it was my house that burnt down? Would I still be waiting like this? I got this insurance because I thought it was Geico - never again. I'm hoping the adjuster will at least replace my furniture and personal belongings...when I can finally get someone out here...

The person on the phone was incredibly rude and informed me that they had cancelled our renters insurance policy LAST YEAR in 2018. My insurance was on auto renewal and I was sent a 2019 policy covering me until the end of 2019. HOW DID THIS HAPPEN??? I have been with this company for a couple of years, and never filed any claims. So I was shocked to hear they cancelled my policy, and that I had been without insurance for almost an entire year without notice!!!!

I was told that they "generated" a cancellation letter without our permission to cancel our insurance, and "mailed" us the letter. We never got any letter, phone call, email or ANY kind of cancellation notice letting us know that they had cancelled our insurance. So now they won't take our calls. This has been an unbelievably traumatizing nightmare. To lose our home and belongings with ZERO assistance, and to have been bullied on the phone by the people who are supposed to be the ones helping us. What's worse, is that I found out that they did the EXACT same thing to another renter in our building who is also homeless and without assistance from the SAME fire. We both have policies showing we are insured, yet both of our policies were suspiciously cancelled via a "mailed" letter we both never received! What are the odds? Truly an unbelievable and traumatic situation. Geico and Assurant, shame on you!

Last year, in different country while traveling. Long story short, my claim was denied. I even told her that i'm willing to omit this item because I have no way of proving its value and that I had it. Reasonable, don't you think? But not according to them. I had a call with the claim adjuster and he said that HE would remember what kind of device he took pictures with when he's traveling. And just blamed on me for not remembering it correctly. Sorry for having too many tech devices? Seriously, I've had multiple policies from this company with various apartments.

My work requires regular relocation and most of apt complexes these days require a renters insurance. This was my FIRST time filing a claim. And it was denied. I even asked if I can re-submit with a correction, not to mention they had the date of loss incorrect. They said no. Disappointed. I've also never heard any regards or sincere for the incident from anyone I talked from this company. I guess it's just your money they're after. DO NOT BUY ANY POLICY FROM THIS COMPANY. Shame on Geico for partnering with the worst customer service company EVER.

Original Review: Sept. 25, 2019

Very surprised and disappointed. I have homeowners ins with Assurant. My sister has homeowners with Assurant. Been customers for years with no claims, no issues. Good customer service when I call with questions. So of course I purchased renters for my daughter and paid all 6 months of lease up front. Her car was burglarized one week. Her apt trashed and lots of stuff stolen.

After submitting police reports we contacted Assurant. They spoke to my daughter first and made her cry accusing her of fraud! The investigator said she would be investigated because most items stolen were gifts and we had no receipts. We took pics of exact items that friends had for that stuff and submitted them..hence the call for fraud. The second investigator told her to submit a pic of her using her AirPods. She did that. Screenshot an Instagram from the day she got them. Investigators said they were not the same as the ones she sent in her pictures with the claim. Not only did this not get covered..we got $0 for ANY of the claim. Even receipts items. I will be filing an appeal although they said we could not dispute it. My policy will not be renewed in January. As I pay the full year up front as well.

Original Review: Sept. 21, 2019

I have had renter’s insurance policy through Assurant for several years and I never filed any claims. We are living in apartment in ground floor. We were on vacation and once we came back we see water flooded from kitchen sink and also water dripped from the roof, due to the hot water heater damage in the upstairs. Claim adjuster visited my apartment and took roof water dripping pictures. After one month they just rejected the claim and they said sink water flood they don't cover because apartment management said it may be flooded due to the grease in pipes (cooking oil over the time it turned as grease, But we are in ground floor if anybody pours oil it will impact in ground floor).

Even if they reject water flood from sink they should cover water drip from the roof. Due to the water drip I lost my furniture and electric cooking stuff. I called Assurant Insurance Claim Representative and he said if two incidents happened simultaneously then they don't cover. I sent a email with all the pictures but I never received any reply from them. Even if you claim they will try to reject your claim.

Then they transfer me to Sales (Geico) to INQUIRE on a quote. From there, the guy did not read off the coverage per policy, nor did he give me a quote. He just went on into beginning a BRAND NEW policy without my permission. When I asked about the pricing & if he was getting info to get a quote or begin a new policy, he told me he was beginning a new policy. I had GEICO for car insurance under my parents & they kicked me and my sister off for NO REASON. Shame on Assurant & shame on GEICO for your poor customer service & problem solving skills. If I had read up on the reviews PRIOR to purchasing this (5 times), I would’ve NEVER gave them a dime of business. WOULD NOT RECOMMEND.

Every time I called and tried to escalate (after learning to navigate their automated phone system) I was told that the claims department had made their decision and no customer could talk to them directly. I couldn't believe that they expected my family to go for over a month with no refrigerator so they could save money. I will definitely NEVER do business with Assurant again and will do all I can to make sure others know how poor of a company they are to do business with. Their employees as all unempowered to do anything for a customer.

Original Review: I had renter's insurance with Assurant. If I would have read these reviews I definitely would have chosen a more reputable company. My apartment was robbed by a "trusted friend." When I tell you he took everything down to the shower curtain it sounds almost ridiculous. Joshua **, my assigned claims representative is less than helpful and has poor and almost sarcastic communication skills hidden behind so-called professionalism. Weeks go by before I receive any updates. Why didn't I call you ask? Well when Assurant sends you a list of requested information and you send in what you think is correct but 3 weeks go by before you get another email requesting the same thing... Naturally I called and explained I had already sent in the information. Joshua replied, "What you sent in was not the info we needed." One would think I would have received that call 2 & 1/2 weeks prior.

Today I received a third request for my police report. Imagine my dismay when I recalled sending this in when initially requested? Joshua explained in his sarcastic voice that I had sent in a theft report, not the actual police report. Excuse my ignorance for thinking these were the same. As I said, could this not have been communicated weeks ago? I would've gladly corrected my mistake. Now Assurant is requesting my "trusted friend's" ex-wife's full name and contact number. All I can say is, "What?? Really?? How could I possibly know that information?" Additionally my claim has been sent for further review by the special investigative unit. This process is absolutely brutal and frustrating especially when your belongings have been taken and all you want is resolution.

I've never been through this process before. Heck I've never been robbed before. But when you're required to send in proof of purchase, pics and receipts for all of the items you reported stolen, it could be a quite daunting task. Who saves all their receipts to everything they've purchased for their home? I don't. It appears as though Assurant is prolonging this process on purpose and requesting additional information that is almost impossible to get in order to deny your claim or send you less than what your belongings were worth. If you're looking for renter's insurance go elsewhere.

My adjuster automatically told me during my first telephone call regardless of how much I had my contents insured for, most people truly only had about $10K worth of items and that is how much they would pay me. I literally laughed at her while she was on the phone and told her that was ridiculous when if anything I was probably underinsured and that my contents' value probably exceeded the coverage I had. She then became upset and said I needed receipts for everything and refused to understand that we lost everything. I did not even get to put on a bra that night.

Regardless she STILL sent me a check for only half of what my coverage was without reviewing any sort of inventory list, without explaining the process for disputing or how to obtain the rest of the policy payout and had the gall to tell me not to call her because she was busy and that when she was ready she would call me. Additionally she made sure to continuously tell me to fill out the Survey Monkey emails I would receive and to ensure that I gave her good feedback because that is how she would get her bonuses and good reviews. ALL ON WHILE A RECORDED TELEPHONE CONVERSATION. She had the nerve to tell me to give her a good review while in every single phone call she has had with me she tells me, “How many times do I have to tell you to not call me? I told you that I’ll call you. All you’re doing is taking time away from my work so I have to waste time calling you back.”

I sent over an inventory list by email three separate times which she never received. After a week and a half and four emails later she finally did. I sent photos showing the building when it was burned entirely and when it had been bulldozed to the ground and that still has not been enough proof to receive remaining payout of my policy. I have photos of all my purses, jewelry, clothes, etc. I called her several more times because she refused to email me or return my call and finally she called me back, rudely saying that there was nothing she could do until Pricing reviewed my inventory list which take 7 to 10 business days. I told her that the only reason I kept calling on a weekly basis was because she had not explained any of the process to me and she would not call me back.

We are going on 4 weeks and I have yet to hear back from her or anyone. I have left several voicemails with her manager and he has not returned any calls either. I am almost at two months now of losing everything. I thought the entire point of having renters insurance was to help you in the time of need when you lose everything. This has not been the case at all and had I known how unprofessional this company was, I would have purchased elsewhere.

Please do not patronize this company and believe every negative review you find here because I have been a victim and I know what am talking about. I see how the other tenants are been taken care of by their insurance company, and it's sad to know that I fell for this company all because of Geico. I ordinarily would not have signed up with them in the first place.

I asked could he tell me what day and time he would call back because I have a job he just picked a date and rushed off the phone. To be honest I just feel like a Number and Ronald ** customer service is horrible. I asked for his manager's contact information and was forwarded to a voicemail. Of course I left a message but I still haven't heard anything from anyone and that was last week. Their claims department is very unprofessional, doesn’t show any type of empathy, won’t explain the claims process nor set proper expectations. I don’t think I’ll be renewing honestly! Claim number **.

When I was due to pay my annual bill for the policy, I told the Assurant representative on the phone that I would be canceling soon. He said that I still needed to pay for the full year, and that once I cancelled, the remainder of the policy would be refunded to me. But he didn't say that it would be impossible to cancel! I am sure lots of people give up and just eat the cost, but this is completely unreasonable and honestly is just so underhanded.

Original Review: Aug. 14, 2019

1st off I thought my renters insurance was through Geico, and thought I was getting a discount since I had auto as well. That's not the case as I found out I'm with the worst company in history. My home recently was broken into. I filed a claim and this company made me feel like I was lying (like I would risk my livelihood by falsifying a claim), low balled me tremendously, and didn't pay for everything that what was taken as I didn't have a receipt for everything that I was claiming. Some items were between 5 and 10 years old and they expected me to show receipts. I had photos of items and still didn't get the actual cash value. There's no way that I can replace half the items with what they gave me.

They based my prices (for what they decided they wanted to pay for) off of a system that doesn't even sell the product, what a slap in the face. The claim handler LIED stating that he keeps his receipts for everything he purchase. I showed photos of how many shoes my son had in his closet and I was told they can't go off the price I gave them or what's on the boxes (what a joke). I showed photos of my son's closet when he had all this shoes and they gave $50 per Jordan $40 for his Yeezy sneakers photos and a receipt for the Yeezy didn't prove to the claim handler how much we paid. I asked why they choose to pay for my son's PS4 and games without receipts but chose not to pay for the 2 TVs and his Kindle tablet and I was told the PS4 is a common item. LOL like a tv and tablet isn't.

Let me give you some examples: You can't purchase Yeezy sneakers at Modell's Sporting Goods (Assurant's Source where they looked at a replacement). I can't repurchase a 8 year old LV belt at Walmart (Assurant's Source). I can't replace my Coach travel bag for $20 (Assurant's source). I can't repurchase LV bag at Macy's, they don't sell LV items (Assurant's source). How am I paying for replacement cost if I'm not even giving the actual cash value. I would even accepted half the price of what I said I purchase each item for and collected the depreciation once replaced but this company operates in bad faith and will eventually be sued due to making unreasonably low settlement offers. The claim handler wasn't fair and was objective in settling my claim from his beliefs. THIS COMPANY IS A JOKE.

At a certain point in the process, my claims examiner was changed and they stopped responding to my emails and calls. I've called throughout February, March, April, June and July and usually get sent straight to voicemail. The few times I got through to the claims examiner, she promises to have my checks out by the end of the week. The last time she promised this was on July 11th, 2019. It has now been almost 2 weeks and I've completely wasted my time listening to their robotic voice menu and irritating waiting music dozens and dozens of times.

Today I have spent the day calling the supervisor, which is it's own lengthy process as I have to call a different customer service agent and have them transfer me to him since there is no option for me to dial his direct extension number. Then I have to go through his own private little robotic menu to finally be lead to his monotone voicemail that detail me his hours, which he seems to magically spend somewhere besides his desk. After two hours on the phone with various different people form all departments, I was finally able to get my money.

I called the next day worried about not having proof. I did get a hold of my adjuster, but only if you call first thing in the morning. I was told that I could get anything like photos, manuals or bank statements that she would work with me. She was mostly concerned that the 65 inch tv was over priced. So I did best I could a took a day get a few photos, I found 2 manuals and luckily I still had the receipt for the laptop. I told her the laptop I thought was about $600 and she was not concerned with that. I thought great, this is not too painful and even though I didn't save any receipts or make an inventory list like I always wanted to do, I might not get too screwed.

Well then I receive a call from another adjuster and she says she is the new one. She was very rude and cut me off. After I told her what I had and only one receipt she had said policies change everyday and that people need to read them correctly. Well excuse me if I'm told to give what I got and we can work out the rest then that's what I expect. She tells me she will send me an email that will tell me what else to send.

I check my email and they are treating this like a criminal case, they are my advisory not my partner like they should be. They want phone records, bank statements. 5 years of tax records, employment history with wage stubs, with nothing blacked out. Oh and they want the prior 6 months proof of rent payments...I mean come on, if I missed even 2 months of rent I'd be kicked out. This is absurd and ridiculous.

Assurant Global Specialty Operations. Attn: Specialty Services 5th Floor PO Box 979220 Miami, FL 33197-9220. And don't forget to sign it.

I then received a DENIAL because they said the policy DOESN'T COVER RAIN! Are you KIDDING ME? I have a soaked bed which has been thrown out because the property manager at Grand Centennial Apartments in Colorado Springs told them that it was a "SMALL LEAK" due to a "RAINSTORM". So now I have NO bed and I'm sleeping on the couch. THIS IS WHAT RENTERS INSURANCE IS FOR! And yet, it seems as if Shaye **, the property manager, doesn't want to see another claim where she manages. No help from ANYONE. I'm glad I work in the media.

The letter that was Sent from Shad **: claims examiner Global P&C claims indicated that my deductible was $2,000 and that my claim was denied because the field adjuster with Crawford & Company revealed evidence of water damage to the hall and living room ceiling caused by a pan leak from the AC unit located in the attic is not consistent with a sudden and accidental occurrence and is consistent with constant or repeated seepage or leakage of water over a period of weeks or months. Within a heat and air system. Mr. Shad ** indicated that the loss is not covered under the hazard insurance policy that I have with their company. Claim # **. I will be notifying my attorney on 07/22/2019 and also the Better Business Bureau. This is an over-priced unreliable insurance company.

I would have called to submit application and create a new policy but they closed fairly early for being such a large insurance provider and so I was left with no choice but to complete and submit my application online. I distinctly remember the questions being open-ended and a bit more industry specific for something that was to be completed by a prospective policy holder as opposed to an actual licensed insurance agent. Had the business been open to assist me as I had once hoped of, then I would have been able to explain in great detail, allowing the licensed agent to funnel the information correctly to the most appropriate answer in line with Florida law and the guidelines of this specific company.

Just when I thought my year couldn't possibly get any worse, unfortunately the unthinkable happened and I was forced to file a theft claim only a week later. Of course, when I had preferred to phone an actual representative of the company, I was unable to do so once again due to their limited hours of operation. Because it didn't happen this way, I subsequently filed a loss claim (now my second document) submitted through the online portal account. As instructed by Assurant's website, I patiently waited for an adjuster to reach out regarding the processing of my claim. As with the nature surrounding the rest of my experience with this insurance provider thus far, I experienced nothing but computer generated inconsistencies and no one to actually speak to in an effort to address them, much less resolve them and forget that anything would ever take place in a reasonable amount of time.

Much to my dismay, as anticipated the claim continued to follow the negative path that all of my previous efforts seemed to follow and the casualty (that once appeared correctly as "theft") was now listed in error as "volcanic eruption". Furthermore, the adjuster I had been assigned to was apparently not even able to process theft claims despite the my initial submission of the claim to underwriting as a "theft" loss. Despite this now blatantly obvious point of contention, the adjuster proceeded to interrogate me concerning the new incident and whether or not I had had any prior losses/claims and the dates and details surrounding those claims. It seemed odd that I was being asked more details surrounding factual history than the concern expressed for and surrounding my recent loss considering the circumstances leading up until then, especially after having learned that Ms. ** wasn't even able to assist me.

Nevertheless, I gave both her and Assurant's underwriting process the benefit of the doubt and carried on the only way I know how, with the best interest of both the policy and the law- something I would learn later that Assurant was not capable of. I was then told by Ms. ** that she would be forwarding me to the correct department so that they could assign a new adjuster to my claim. Despite this licensed adjuster's (assumed) credibility, nothing that she promised ever came to fruition as I was transferred to the very investigator she initially told me I would only be required to speak with in the event it was determined to be a fraudulent claim.

It was at this time that I learned she had also deceived me when she assured me that I would avoid any additional or unnecessary time wasted on my behalf given that the exceptional detail I had volunteered during her interrogations, especially since she had first interrupted me, asking that I stop talking despite not having finished or being able to fully disclose what had transpired for the underwriting department. Ultimately, Ms. ** promised that she would fully document the details of my file so that over the future processing of the claim I could avoid any additional and/or unnecessary time wasted on my behalf with any potential claim handlers who I might come in contact with. Nothing that Ms. ** had discussed with me actually transpired in the manner she had reviewed with me as an extension of the contract's terms.

Instead I was passed off to an investigator for unknown reasons as I had spelled out any and all details of my current claim and prior losses she seemed to be more concerned with than the actual loss I had a declaration statement confirming would be covered. The investigator was pleasant to speak with and while she also could not comprehend the reason for her involvement, apologized that she had even been included by Ms. ** and was happy to hear that she could approve the forward moving process of the claim so that things might actually be looking up a bit more than they had over the last year or so.

I was then told that she would be sending the claim to the appropriate department's manager in order to expedite the assignment of now, yet a third new associate with their hands in the case file, increasing the likelihood that of the many details involved most would not transfer to underwriting as actually intended- especially given the many failed attempts from the claim's first conception. She had also suggested that I email her directly photos of the items claimed in the loss, along with the proof of purchase for each item listed so that she could include in her email to the department supervisor. It wasn't until another couple of days that I received any returned communication, only to now be told by this new adjuster that the claim was cancelled as opposed to finally getting off the ground.

Despite my best efforts to speak with any one from management in order to obtain clarification as I was just reassured by the investigator that everything was fine and approved, I only received a call back from the lowest boss on the totem pole but not after the new adjuster would first make a final attempt at driving me to insanity. The second adjuster in so many words explained to me that because I did not answer one of the application's painfully open ended questions correctly (as from the perspective of a Florida licensed insurance agent) that I would somehow now be penalized for Assurant's underwriting department not recognizing the "discrepancy" (as they are calling it) way back before the policy even commenced, despite the fact that I volunteered this info in my extensively detailed answers to Ms. ** out of good faith and the best interest of both the policy and insurance company.

I thought the purpose of the application was to review the information provided by the applicant, ask any corresponding questions that the information provided may have triggered, then [and only then can] the underwriting department of the insurance provider fulfill their duty to conduct the appropriate due diligence of any items that may still be unclear in an effort to make a proper [and final] application determination of coverage based upon their findings. The good faith coverage of insurance should not be issued and/or declared unless the insurance company has in fact fulfilled their duties expected in the application.

Otherwise, in failing to uphold these duties expected of the insurance company, by the insurance provider later denying coverage (and doing so only after first approving the application, taking payment and issuing the declaration of policy coverage after a loss claim has been filed and approved by the investigator appointed by the insurance co.), the insurance company is essentially committing the very act that they claimed the policy holder had committed resulting in their denial of now both claim AND policy. Had the insurance provider completed their duties in the same time frame expected of the applicant during the application process then the prospect could have properly sought out an insurance provider who was ready, willing and able to provide coverage rather than deceiving the insured into thinking they were covered all along only to discover AFTER A LOSS THAT THEY HAD NOT BEEN COVERED ALL ALONG).

This is the very definition of DEFECTIVE BUSINESS PRACTICES AND WHY STRINGENT LAWS ARE IN PLACE TO DETER THESE SORT OF ACTIONS FROM HAPPENING. Now I have experienced a loss for which I am allegedly not covered when I have written documentation from Assurant stating otherwise. Again, if I would have at least been properly made aware of this breach within a reasonable time frame from when I first submitted the application I could have at least been afforded a fair amount of time to at least have been able to do something about it and properly insure the contents of my home and everything me and my daughter have lived and worked for in or lifetimes thus far. I don't see how any of this is even legal and even if this is what your underwriting department believes, I challenge Assurant to consider the law and what is fair and just and then tell me if this is viewed as the good faith decision or best decision at that.

I should at the very least be paid out for the loss that was filed before the policy was cancelled given that no information was intentionally omitted on the application, nor was it withheld when I was finally able to speak with a human being and explain everything, even volunteering additional information in good faith, as my former claim and mitigating circumstances were extremely detailed and not easily encompassed by a "yes" or "no" response, not to mention there was no opportunity provided to have been able to explain myself and the answer provided. Furthermore it was never perceived by the applicant answering the question as something occurring outside of nature given the wording of the alleged question that is responsible for denying my claim. I answered this question honestly and to the best of my knowledge and ability given that I am not a licensed insurance agent and comprehend the breadth of your terminology and lingo.

Furthermore I explained all of this in my later communications with Assurant after learning of your denial of my claim. The simple fact that Assurant has planted such a controversial and open-ended question in your application that has potential to further cancel the policy and/or deny claims (and has proven as such given the conversation had with the agent to deny my claim alleging this is often a question that causes applicants and policy holders problems in answering as it is construed as something only a licensed agent would be able to properly answer) is yet another deceptive business practice that should actually disclose the weight of what an applicant's potential answer to this question could mean to the life of their policy before it ever even has an opportunity at evolving from the get go.

Rather a straightforward question that truly has a yes or no answer, or even better for the applicant to be able to provide their own numerical value answer seems to be the better choice given this subject at hand. I feel that in consideration of all of these factors and many more that this should be heavily weighed and reconsidered by your underwriting department. Right now, as I interpret the law and see the where this claim and policy currently stand, I don't think that the insurance provider has a stake in their claim of cancelling the policy prior to the favorable processing of the insured's claim as it was filed prior the policy ever being cancelled.

Should the insurance provider still wish to pursue the route of cancelling the policy after processing the claim in question, then proper notice should be given and corresponding premium payment refunded back to the policy holder. Proper forwarding of this proposal is kindly asked of the recipient to this request. Thank you in advance for your time and consideration. Warm Regards.

The adjuster sent an email to my adjuster and her sup and said I would receive a callback. She says normally claims are handled within 7-10 business days (mine has been pending since 06/01/19). Finally, today I get an email saying I need to submit my checking and routing number for claim payment and directs me to a site that asks for a secure pin. The email did not give me a pin and I have no idea how to find out what pin is needed in order to access the site. Customer service does not know either. There is no one to talk to, I will NEVER use them for insurance again.

I've had them for 3 years and never had an issue until it came time for me to file a claim. NEVER AGAIN! They don't pay out much anyway. No one keeps me in the loop of what is going on and the website does not make claim status readily available. I have to call customer service just to see how I can view my claim status online and they don't even know. It's horrible. Once this claim is processed, I am cancelling and never using again.

I called. We went over everything and the rep I talked to figured out they wrote the whole policy as an apartment/condo instead of a mobile home. Refunded me 30 days back but said it needed supervisor approval to refund the whole premium. Spent the last two weeks fighting with them about a full refund since it was Geico and Assurant’s fault the policy was written wrong. Both companies claim it’s my fault the policy was wrong like I was the one who wrote it. They had no problem taking my money for a policy that was never able to be used but to give that money back I was a horrible person for even asking. Horrible customer service and company won’t admit to their screw up but will take your money no matter what. Don’t buy from them.

Almost all of my furniture has to be replaced and I used my savings for the hotel with the understanding that it was going to be reimbursed. I intend on taking this to The Insurance Commission. I was not given a certified copy of my policy and the "independent" adjuster is not a mold expert, he told me this himself. How then, can any determination have been made? Very unscrupulous and dishonest!

After asking what is covered-he states 16 things of which he couldn't tell me from memory but knew 2 thefts and fire damages. After my interrogative questioning, he went on to lie and state that MOLD isn't covered in the State of Florida by the company something that should have been a clear and obvious disclaimer from first submission had it been accurate. This company is full of fraudulent tactics and shady business dealings and I wouldn't recommend anyone utilize their services. The reps are like call center junkies trained to spin lies under pressure. I immediately cancelled the policy and suggest anyone else who has them in the state of FL Cancel or never be in Dire need of this policy. Claim#**.

I went to their website and after a little fighting with the website, I found what I thought might have been their policy page. It prompted me to log in, which then prompted me to try to register as I hadn't yet. I tried to register, inputting my policy number, my effective date, and my phone number, and the website just up and broke. I couldn't even find anywhere to find a support line, only a single SurveyMonkey survey about "my experience with their website." My experience has been BAD, and I still CANNOT FIND ANYWHERE AT ALL WHAT EXACTLY IS COVERED IN MY POLICY. THAT'S SHADY.

I did that and take me day off my work and spend 2 hrs by video contact showing him everything. After day I received email my claim has been closed and they not making any payment. I lost 13k damage furniture and start to purchase again by financing. I canceled my policy and signed with other insurance company. If you purchase policy with Assurant look like you not been covered better don’t waste your money to make them bigger to cheat people.

Original Review: March 29, 2019

Purchased through GEICO Insurance. Was assured that Assurant Renters Insurance is highly rated. This was a lie. Assurant requires unprecedented terms and conditions in order to even warrant an appraiser calling you back. Not to mention that the claims process took and absurd amount of time to just get filed. After filing, you are sent an email that tells you that you must first, prior to anything else, obtain a "technical certification" that items damaged are damaged and can or cannot be repaired at your own expense. Items lost due to destruction cannot be "certified" since they are "LOST" and thus cannot be claimed. All items must be "individually" certified as damaged or irreparable by "approved" technicians. To do this would require prohibitively expensive out of pocket and upfront costs. And are not subject to reimbursement from Assurant. Requirements to prove claim are absurdly unobtainable and utterly impractical.

It would cost more to have just ONE part certified as damaged than I paid for the policy for a year. Assurant does not pay for shipping and handling cost that you would have to pay in order to send any and all items out to be inspected and certified. This insurance is such a scam that it should be illegal. NONE OF THE REQUIREMENTS WERE LISTED IN THE POLICY. They just appear when you file a claim.

I was scared after reading all these bad reviews on here, that I had to go through a lot of trouble to get anything back. I never had a claim in my Life before. I can only say that Assurant, especially Alissa is the best person I could have asked for. I can’t understand all these bad comments. Assurant is definitely a great Choice, what Geico offers. Easy process and very helpful. Even though I hope I never have to file a claim again, I loved the easy process of it. Just keep all documents with major purchases and be honest with them. Thanks again Assurant!

I only found out via post office mail on a Saturday that I had no insurance. You can't contact Assurant to correct because THEY ARE CLOSED ON WEEKENDS!!! Even calls to GEICO were no help since GEICO could also not reach anyone at Assurant. So my complex management company charged me $40 for a new policy they purchased for me. I did get the policy reinstated by calling them on Monday to give them the new information. This will allow me to search for a replacement policy from another company. NEVER DO BUSINESS WITH ASSURANT!!!

This could have been very easily resolved if they would have not taken so long to respond. Now that the funds have cleared there is "NOTHING THEY CAN DO." I spoke with 2 different managers which I am not 100% sure were managers. They were very scripted and had no ability to figure out a solution. This company has a bunch of robots who just follow scripts and don't know how to come to any resolution. On top of not being able to have them refund the overpayment to me (even though it is my name on the policy), they just sent me an e-mail for auto-renew.

On the last call he kept asking me about a specific item that is on a receipt I gave them. The receipt shows a few items purchased from Amazon, one of which was an item that was stolen and part of the claim. The adjuster kept trying to get me to claim one of the other items on the receipt as part of the claim but I kept repeating myself that only the flashlight on the receipt was part of the claim, and that I would need to sit at my computer and look at my paperwork to answer him more clearly.

Then I see an email from Amazon indicating that someone who pretended to be me, called and gave my information to access my account to look to see if any items were returned. So basically my adjuster fraudulently access my personal Amazon account, and then tried to bait me into committing insurance fraud. You tell me if this company is not disgusting. I am beginning contact with a lawyer now as they have gone too far, the experience with the insurance company is far worse than waking up and finding my van broken into and robbed.

At the store, I was advised to call in and start the claim process. The Assurant agent on the phone told me that I was ineligible to pay the deductible to get a new phone in store because the phone was not 50% paid off (I was not aware of that policy from the start). After reviewing with the T-Mobile agent, my phone WAS more than 50% paid off. After discussing with the agent in store for more than an hour, Assurant realized their error. Sadly, I had to call multiple times asking if they would honor my in-store jump, to get a rep that would help.

The store advised me this was their standard procedure and they did it all the time, so in order to get any help, I spent 3 hours calling the Assurant number, requesting the “jump” and being told they couldn’t help me over and over. I’m not exaggerating, I did this at least 15 times. The poor T-Mobile people had no idea what else to do and were completely blocked from helping me. Every time we got different answers and absolutely no help that was productive in any capacity from the Assurant team. The T-Mobile team assured me they process these jumps in store every day and that I was being treated out of process for absolutely no reason.

I don’t write reviews but I feel compelled to write this because I would love to save anyone the trouble of dealing with this insurance company, who has been absolutely a mess to work with and did absolutely nothing to rectify the issue. I have spent hundreds of dollars paying for the “premium” insurance, with the “jump” protection so that if something happens to my phone I can get a new one immediately. Here I am 4 hours into calling and reporting the same issue over and over again, still without a phone, and being advised I need to wait for them to ship me one in 8 business days. I’m traveling at the moment and without a phone, I’m unable to get around. Not to mention I won’t even physically be here in 8 business days. What a joke. For someone who travels, I would absolutely not recommend this service.

Now 4 hours later, I’m being asked to put in ANOTHER claim, receiving a loaner phone, and not being shipped my actual phone for 8 business days. This requires another trip to this store, putting down a down payment on the phone, and having to come back to exchange it. So much for quality insurance. Instead of being a relief to an already upsetting situation, this company has done nothing but add to the headache.

I used Google Trends to identify the top & rising search keywords related to cell phone insurance to weave into this negative review for Assurant Mobile Insurance in hopes that this review gets a high SEO ranking. The customer service I received is completely deplorable and I would never recommend insurance through Assurant. This cell phone insurance (Assurant) is not worth it. Assurant is the worst cell phone insurance provider, definitely go with something else if you are looking for the best cell phone insurance for T-Mobile, AT&T, Verizon, or another cell phone insurance plan.

Original Review: Oct. 20, 2018

Very simple. I canceled this Renter's Insurance on October 13th, 2018. I got as far as I could in deleting my payment info from the website. On October 15th, the annual amount was deducted from my bank account. And I have not been able to reach anyone since then. Avoid this company at all costs.

They now refuse to return any phone calls or give us copies of any of the items that they claim depreciated to the point of not being able to get paid out. Including a 75-inch 4K Smart TV that hasn't even been paid for yet. Not only does their settlement not pay off the things we were still making payments on but it doesn't even come close to replacing what we lost. I have contacted three separate case managers because we had 6 total two managers and their managers without even so much as a callback or an email. If you value your belongings or your home or your money please get your insurance from someone else. If there was a way to give them negative Stars I would but I'm forced to give at least one just so that's can get read by others.

A few months later I figure I would try again, with no luck. Agent/Rep tells me it’s a few months and the police won't fill out a police report and why didn't I do that originally. I explained to him I called months earlier and was told "We don't handle/cover that.” The only reason I got renters insurance was for the coverage of my film equipment. So far a broken camera valued at thousands and multiple packages stolen in front of my door. I was misled by the Geico agent 10 months ago. I was lead to believe that all this would be covered (Just to get my money). None of it was covered. A loss of thousands and will never deal with Assurant Insurance ever again and suggest you do the same.

Every time I was 'missing documentation' he would communicate via USPS though he had my phone number and email (which they used when it was convenient to them) thus drawing out the process. Long story short they took over 12K of stuff from my apartment. Assurant told me my settlement check was ready but not what the figure if the settlement was. They eventually deposited just short of $2600.00 into my account. I have found an attorney who is just chomping at the bit to go to court and have the matter arbitrated.

I first attempted to update the information online, but there was not enough space for the amount of characters. I hesitantly called and thankfully my call was answered by Christie. She was amazing! Not one complaint or even acknowledgment of my crazy, scratchy 'sound'. She not only took care of everything from my end, but had me merge in the property management office with a couple of questions she had. While on the line with the leasing agent, Christie made sure to get all of their contact information so I wouldn't have to be responsible in getting anything to management at all. It would all be done from Assurant directly to management. I was completely shocked to say the least. Christie was the 100% professional, friendly, knew her product, was extremely efficient. I wish she could be cloned for ALL companies...

When I called to complain, I was told that someone else who wasn't even my adjuster (Oscar something-or-other was the name I was given) had "messed around with my file when he had no business doing so" and that's why the amount I received was significantly lower than it should have been. So this company apparently doesn't watch their employees and keep them from touching things they shouldn't be touching. My claims adjuster was supposedly fired for robbing people and pocketing the excess money, and my claim was turned over to the "supervisor" Patricia **. It has now been FIVE MONTHS since we first opened our claim and still have yet to receive the rest of the payment they owe us for stealing from us in the first place.

Two weeks ago I called to see what was going on since I never heard anything from this company regarding the rest of my claim, and naturally I was unable to reach Patricia, but the person I did speak to assured me that my file was "done and ready to go" on her desk and all they were waiting for was for Patricia to send my file over to the man who processes them for the bank. This same person also told me that repeated calls "make Patricia angry" and cause her to "purposely delay the processing of your file". I have not called once since, but I STILL have not received the rest of my payment I am owed. If I cannot call and she refuses to call me back, exactly how long am I supposed to wait for a mistake to be rectified that was their fault in the first place? I am very much on the verge of calling my lawyer. This company is unethical, rude, and should have been closed down a long time ago.

Hey GEICO! - Assurant is giving you guys a bad name! Their claim process sucks. They are hard to reach and noncommunicative at best. Several phone calls and emails go unresponded. We waited over 3 weeks to even have an inspector come and check out our water damaged apartment due to a spontaneous sprinkler pipe burst - which lead to mold growing in our home. They randomly misvalue items and then depreciate them on top of that. After sending them receipts to items they've misvalued - again no response - which leads to more hounding. Dealing with this claim has become a fulltime job. Find another company to insure your home. Gieco/Assurant will surely disappoint you for renter's insurance!

But wait, this is not over - because one day after I called to cancel my policy I received an email stating that I have purchase a NEW POLICY! So I have now two policies for the same apartment, the old policy (Which I canceled but apparently they did not canceled) and a new policy (that I never even purchased!). And surprise, they pushed the start day back of two months so now my balance is higher and they are now justified to not pay me any refund for their technical mistake. Assurant is a huge huge fraud. I will never buy a policy with Assurant again and I strongly recommend you to stay away from this company. I now have purchased a much better policy with another company and I am saving ~30% money!

The contractors estimate was $160k the 2nd cheapest. Brian ** says "I'm not going to pay that. Here's $47k. You should be able to fix your building for that." This fraud was committed on 5/4. I complained daily. Who is going to work for these prices? No response. Choose from one of the contractors to work with. I complained to the insurance commissioner. I sent Brian ** my photos of the interior of my building. I sought the help of 3 or 4 attorneys and I hired a public adjuster all harassed into quitting.

The next adjuster left off everything in my flooded building like in bathroom #1 except a tub and a hole in the floor. No sealer coat, no paint, no vanity, no toilet, no risers, no shower doors, no floor, no floor covering, no mirror, no fixtures. My whole adjuster report was missing 85% of the interior of the building. Months passed. Complaints were filed with the insurance commissioner. I wrote letters to everyone. I complained to the insurance commissioner and the federal govt. I could not hire an attorney or my own public adjuster to protect me. Everyone I hired was harassed into quitting. Brian ** my adjuster would leave harassing voice mail messages like "It looks like your trying to remodel your entire apt building".

His first estimate was $47,904.00. I had 4 contractors bids one for $150k, 160k, 180k and one 240k. He did not give me the name of a contractor who would work for 47.9k. He did not accept any of my contractors bids. These last two statements are required by California law and he violated them both. Luckily I had pictures of the interior of my building. He offered me $70k. But didn't follow through. No check. Then he just went stone cold. I would request more walkthroughs and I wouldn't get any replies. Months went by. More complaints to the insurance commissioner and none got a reply. Brian ** offered my contractor a subsequent walkthrough after the insurance commissioner cited a code out of the insurance regulation conduct book. He added $16k to my claim.

Yesterday the 5th of August I decided they were not going to be anymore help so I paid the contractors $60k out of my personal account to do something. I got a contract to go with the 63k Assurant had put in my escrow account. The contractor start date is August 28th. 191 days since the flood and the contractors would begin. Assurant had this contract sitting on their desk since 5/4/2017. They weren't going to pay it. I had 280,000 in replacement cost flood insurance. My deductible is $750.

I want to nominate Rickell ** his boss for best supporting fraudster. Steve ** for best fraud claim adjuster and Mark ** as lead roll as procrastinator in chief. Jorge ** as the diabolical twin of Steve **. Brian ** and the best Fraud claims adjuster. So after I pay $60k Brian ** says he going to send the contractors estimate report to an unrepentant appraiser Mr. **. He rips off the contractors by $31k.

Do they come up with a contractor who will work for these prices. Never. It's just, "Here's what we want you to accept." Are the contractors going to do a good job working at a discount? No because they know my neighbors were paid $180k for their buildings damage. My neighbors buildings have been done for months. Mine still looks like the flood happened yesterday. Totally negligent. Totally evil. I've lost $35k in rental income due to their fraud and procrastination. They are an evil I will complain about for the rest of my life. The only thing they didn't do to me was kill me.

Don't ever let this company anywhere near you. They will destroy you in a heartbeat. They have no compassion or concern with you or your plight. They will violate every civil right you have. They will harass and intimidate and ignore you and use every dirty trick in the book to not pay. Its been 191 days and they're still pulling dirty tricks like fake appraisals. They will brow best you and try to trick you put of your claim by invoking the appraisal clause when items that need repair would be left out. I said no appraisal at this time. It takes two willing parties to choose arbitration. If it gets any better I will update these comments. But don't use this company ever.

When I had called the new adjuster. He had told me that the store that I purchased the TV from said that I had returned them. I was wondering why he had asked me do I still have the TV in my possession and I told him yes. He said that he can't pay me anything until he talk to the store where I had purchased them from. I produced my receipts and now he's saying something else. What can I do?

Let's start with the basics. The policy states no timeframe with which they have to handle a claim but also does not state a minimum processing time either. It does state that they have to handle your claim quickly and efficiently and with fair consideration. I will start by saying I submitted my claim on a Friday. I waited until Monday and called them to do a follow up. They started by saying that this claim was going to take 30 days to process. I stated this was unacceptable and asked how I could make it faster and they stated to send them all the required documents. I sent them everything they asked for minus receipts for all of my items as I did not have them anymore. I called back the next day to make sure they received my documents and they informed me it takes 48 hours to get the documents and upload them and then the adjuster calls the next day. So 3 days there.

I spoke with a manager and they got the documents uploaded faster and moved my claim along that day. Then they told me most of my items were going to be denied because I did not have receipts. I advised them at that time if they did that it's not only illegal but in direct violation of the rules and regulations set forth by the department of insurance. If I am listing high end items that don't match up with the income level or policy coverages, then they can ask for proof of ownership like receipts and deny items they feel reasonably are not accurate. However, they cannot simply deny items because they don't have receipts. After advising of this, their whole tune changed and they approved all of my items. They ended up processing my claim within 5 days, but I had to threaten to get the Department Of Insurance involved in their illegal activities.

Then a week later, I informed them that I had found more items missing and needed to supplement these items. They immediately told me my claim was now going to go under review and be sent to the fraud department. I canceled my supplement until I could speak with corporate about this. They treated me the same way. I feel like a criminal and was treated like a criminal for using the insurance I paid for. I have never had a claim in 12 years and have always paid my renter's insurance anywhere I was living. It's ridiculous that I get treated like a criminal, have my items denied, have to threaten to bring the department of insurance into the claim and then deal with a company that demands payment of insurance each month on time, but then takes their sweet time in processing your claim.

My tools were stolen and I needed them for a few projects I was working on. My truck was sitting not running and my boat is a major project and they were expecting me to be without my truck for 30 days... If you have this company for insurance, leave. If you don't have them and are considering them, run away as fast as you can. They go through Geico for Renters and homeowners. So if you quote through Geico for renter's, this is the company they use. I also sent my claim to the Department of Insurance for review and they are currently reviewing it. I also sent this complaint to the Better Business Bureau.

The people at Assurant are unprofessional, untimely, and just plain rude. I feel as though I am paying for insurance for nothing! I got a lot of valuable property stolen and they are making me jump through hoops in order to be compensated. Filed on January 2, 2017 and as of today February 27, 2017 I still have not been compensated in any way yet I've still been paying for coverage.

Assurant tried to claim that since they were older, they depreciated over 90%. They offered me ~$470 for BOTH as the stolen payoff. I explained to her that Apple computer systems are not PC's, they don't depreciated/ While I spent $3,500 A PIECE brand new, even refurbished during that time, I could get the same systems for 2,800. The Rep tried to bully me into saying yes and agreeing to the payment. I even said that I needed to talk to my wife about what she was offering and to technically see what I had in savings to see if I could replace them out of pocket, since the insurance I have been paying for (6 years with no claims) was refusing to pay. The REP would NOT let me hang up the phone and literally kept saying that they will deny it if I was to hang up and not agree to the terms. I refused.

Called my lawyer, then contacted the Insurance Bureau for the state. After giving them all the serial numbers and information with Apple invoices of the same products as "refurbished" and getting a professional contact input about "computer depreciation" I got the money to replace the systems. Don't fall for Bully tactics. If they say you have to do something, you laugh and say, no. Be sure to file any complaints to the State Insurance Controller Body. Assurant or (insurance company of Florida) has well over 13,000 complaints in the State of IL alone.

I said "This is not a flood... this was due to back up..." and what bothers me is they all knew of this cause when I explained it to the adjuster and the claims rep millions times when I called in a claim and explained what happen and when he was here taking pictures wasting my time... THEY KNEW of this - WHY THE HELL MAKE me go through all this label this and that and the amounts and etc, etc to tell me after 2 months of no communication in any form whatsoever and in 1 day tell me "You don't qualify" and my claim was closed. This is a RIP off company if I ever seen and not even my stuff is covered!!! Paid faithful every year and for what??? Nothing.

I'm switching and I advise all if you have ASSURANT change company fast cause you're not getting paid REGARDS!! fire, water damage, theft. They don't care - VERY UNPROFESSIONAL and the worse company I have ever dealt with. No communications nothing. No compassionate. NOTHING. All they want is your money and you better hope nothing happens cause you're not getting paid. Waste of time. All I asked for was communication and they knew my policy and when I explained to the claims lady why didn't she said "oh sorry Ma'am you're not covered" but said instead YES I was.. who is lying here?? And then said above all I wasn't being paid for nothing cause the stuff belong to my kids and they didn't live here!! What??? I explained the mailing address is here - yes they were to Dec 2015 they moved out and in Feb 2016 this happen. Where they putting all their stuff in a 1 bedroom apt...

This company is label a 500 company. YEAH RIGHT. Now I know why you are taking people's HARD WORKING MONEY and putting in your pockets and we stand here alone and scratching our heads like what just happen... This isn't right and I am writing to the BBB cause this is a scam if I ever seen one... BEWARE - RUN!!!

This was EVERYTHING I had to my name. EVERYTHING. I didn't have all the receipts, some of it I had for years. Most of it were gifts from family for graduation and Christmas. I spent 7 months trying to get what was mine back. One year in advance payment got me nothing except being to the point of suicide because I sat in an empty apartment alone with nothing, robbed by horrible people and liars for insurance. Finally after being brought to tears multiple times with this lady and threatened with legal action when I was being nothing but honest, I gave up. PLEASE DO NOT USE THIS COMPANY. PLEASE. She sent me a $25.00 check for a new GoPro I got from my brother for my birthday. I sent her the $250.00 new receipt. This company isn't just a scam, they are awful people.

I filed the claim through Assurant and didn't hear back from them for a few weeks. Then they told me that they wouldn't cover it. I tried to find my policy and what they would cover. I still can't find it, it wasn't sent to me and I can't find it on their website. I accepted this and asked if they would cover the items in the seat (helmet, glasses, gloves). They said they would but my deductible was 500 dollars. They did tell me that I would have a 500 dollar deductible over the phone originally but they said it was only for if I broke someone else's things kind of like auto insurance. The items in the seat might have been worth 200 dollars total. So not only would they refuse to pay for the moped but they wanted 300 dollars on top of the 1,000 dollars that was actually stolen from me.

My recommendation is to totally understand and see your policy in writing. Don't accept verbal assurances. A 500 dollar deductible for theft isn't normal. Deductibles are normal in other insurances but if it isn't your fault then you shouldn't pay. The price of the insurance was very reasonable. I only paid 20 dollars a month to have a false sense of security.

In October I got a bill saying "you need to make your payment" so I tried logging in but it wouldn't recognize my policy number which had me worried. They were charging me but I didn't exist on the system. I called them to be told I can make the payment online. I told them more than the payment I was concerned that god forbid if I wanted to file a claim or something I wouldn't exist on the system. Anyway they got resolved in October but let me tell you they were more concerned about the billing than the online login.

So having paid the second payment in October, I get another email saying to make the third payment in December. And I'm like "wait I just made the payment in Nov!" Anyway I call them to tell me I signed up for it so I can't change it because you can only change 30 days into the policy (mind you I didn't have access and I have email proof of me reaching out to them!). The guy says, "You've made two payments so you knew this was the policy." I said, "No, I didn't know because I couldn't sign into the policy details on the website!" He tells me, "There's nothing I can do," and that if I don't make the payment I will get a grace period (which btw is 20 days) but then the policy will expire.

I've already paid for the service till January end (as of right now!) but if I don't pay the 3rd installment, my policy will stand cancelled! How this is legally allowed is beyond me but legal or not I would advise NOT to take this insurance! They're only money minting company with rude and horrible customer services and they treat you as if you've committed a crime!

They denied my claim. They said they needed a receipt. I tried submitting a bank statement from the time I purchased said items but they said "tough luck". When I switched to Allstate, they said they've never had that problem. They actually have the fastest claims payment in the industry and my monthly payments are only $1.23 more every month with an extra $5,000.00 in coverage. If you're in Virginia, Allstate is way better than Assurant. I use the office in Hampton off of Big Bethel Road.

Once I sent it to Assurant to process my claim, they looked it over, and asked for proof of ownership through receipts or pictures. I had pictures/boxes for EVERYTHING, but they said I would get only 50% back for "depreciation," and that if I had receipts, I'd get more back. HOWEVER, even with proof of receipts, they only give me an additional 25% total of the cost to replace it! They said I still had depreciation for it being after 5 years, but my camera equipment was immaculate as it is my livelihood! Lenses for DSLR cameras NEVER ever lose value! Especially ones that are more than $500 or more! I clearly sent them the manuals, the boxes, and receipts for ALL 4 lenses and my camera, but I only get 75% of each to replace it!

Does that sound like it would easily be able to replace my equipment for my JOB? HECK NO! I have to stop my JOB to replace my equipment that I can't AFFORD to replace because they won't even give you the FULL REPLACEMENT cost to do so! How do you pay more for replacement cost, but still don't get the amount to REPLACE your items? This company is absolutely crooked! My policy, and everything I read states replacement with depreciation, but the adjuster states I have replacement cost WITH depreciation. HOW IN THE WORLD DOES THAT MAKE SENSE? They definitely lost a customer with me. They even put my policy into AUTO-RENEWAL as well, luckily I caught that before it would had went through, or I'd be fighting this some more. This company is an absolute FRAUD!