Assurant Renters Insurance Reviews

Unfortunately, that was a fluke because no work has STILL been done on my claim and I have not been reimbursed the $2000 I am owed for living expenses after 2 months and my settlement claim is still missing at least 5 emails' worth of property that I submitted before they offered the first settlement to me (there is about $1000 worth of property missing from the first settlement and they also noted my clothes as cleanable when I had already explained that they burnt up entirely in the fire). In fact, they actually closed my claim prematurely without consulting me and told me that I can still continue to submit even though the claim still says it is closed online.

After having suffered through the trauma of losing my apartment and having to relocate unexpectedly, I would like to finish up this claim so I can focus on my new apartment and move on with my life. But Kevin is making this incredibly difficult and it does not help that he does not sound the least bit remorseful or empathetic to this prolonged situation. There is no excuse for this when I've been incredibly detailed, patient, and thorough this entire time.

Original Review: I took out this insurance, a couple of years ago. Too late, I found out they do nothing for you & they are for the apt. I had a suspicious fire, back in May of 2020. Before the small fire, I lost my stove time & total use of my microwave. Then the cloudy water started. You are suppose to wait a few days before doing anything about it. It could clear up on its own. The haze set in & the rug is full of black mold. I'm sensitive to it & getting ill from it. Starting with bronchitis symptoms. Nothing is being done about it. The fire alarm went off, like I never heard it before. A small fire started & I was cooking water, for oat meal. Water does not go up, especially barreling black smoke. Black smoke is like burning tires & it has to be fed. (Looked it up.) I took a broom & beat it out. Only try that on a very small fire.

The damage was only the burner, knobs, & a little cinch, on the wall. It was burning, like it was fed. The time it took me to beat it out, I had a heart attack. The PM knew I wasn't doing good, so she called an ambulance & the maintenance man stayed with me before the ambulance came. This fire should never have happened. I have been broken into so many times. A new term for destroying an apt. is called trashed. It looked like a cyclone hit it. My lock was refused to be changed, with all this going on, until my medicines were stolen. The lock, a year & a half later, was finally changed.

I go to the hospital & 5 people came in my apt & trashed it some more. I found scissors, in my bed. The PM illegally entered my apt. & had pictures taken of the incident, but didn't say I have been broken into. The hospital told me, "You are lucky, your heart is strong." I could have died over this & no one did anything. Even laughed that "The police will not come." I had $200 in books stolen & about $100 of medication stolen & Assurant would do nothing. They ran me around since May 1st, until the present day. I finally received a letter stating the apt was being awarded over $7,000. I became so upset, Assurant wasn't listening to me. They would not accept any proof, from me or investigate.

Just yesterday Mon. 9/28/20, finally one of the reps told me what was claimed & the whole thing was fraud. The apt. claimed the cabinets were damaged & that is a lie. The little fire, I put out & the PM thanked me, did little damage. My microwave was also claimed & it's mine, not theirs. I knew something was wrong, because my microwave was professionally The case was closed & they will do nothing for me. There was also another fire, worse than the one I put out & I was in the hospital & of course, I can prove it.

I wanted all health care bills paid for & didn't care who paid it. I asked to speak to the fraud department, they do not have one. I was on the phone constantly & wasted so many hours. The maintenance man tried to blame me. I confronted him. He is not a good liar, but the PM is. Mold, haze, cracks in the walls. Destroying my health & getting away with it. They want me to send in proof, but the PM didn't give proof with their claim & it was accepted. They had the nerve to admit, they are for the apt. I only asked what was mine to ask for & not a penny more & couldn't even get that. They through fraud, did nothing but fraud & got awarded, through the insurance that I pay for.

Laws have been broken & this awful company aided it. I spoke to the claims adjustor & when I mentioned black smoke, her answer was she hung up. There were 5 people, in my apt. illegally, insurance fraud, lies & deception. You are force to take out insurance & this is why! I'm feeling ill, from the constant stress I'm being put through & had to go under a doctor's care. He seems to a good doctor & is concerned he can not get my blood pressure down. He doubled my medication & told me If my blood pressure doesn't come down in three weeks, he is going to look into my stress. What more do I have to go through?? I'm going to sue both Assurant & the PM. The PM was reported before & I have a lot of proof. I had asked who was in my apt. & the PM would not answer me.

Meanwhile, I have contractors breathing down my neck to be paid. Assurant wouldn't send the field adjuster until asbestos abatement was completed, and now Assurant isn't their calls or emails. I sent the xactimate and invoice nearly a month ago, and they still haven't been paid. Today a customer service person at Assurant told me I would need to wait seven to ten business days; it's been nearly a month! This is utterly unacceptable. I was routed to this insurance company through Geico; I plan to file a complaint with Geico if this isn't sorted out soon.

I've been without my property for almost a month one being my MacBook. That's something I used very frequently. It shouldn't take a month when I've given everything they asked for in a timely manner. Anytime you call to get an update you can barely reach your adjuster. I shouldn't have to call looking for an update. You all should be calling and keeping your customers informed on their claim. This is not the type of customer service I was expecting at all.

I had work order paperwork to prove it! READ THE FINE PRINT. They’ll take your money but when you need to make a claim they’ll say everything comes from normal wear & tear.. It’s not normal for a thunderstorm to cave your roof in idiots! I’m canceling my policy ASAP! I wish I could give zero stars. I’m out of hundreds of dollars of items and I’m left having to clean this crap up myself. Be smart. Go look elsewhere for coverage!

I called them and asked why the bill was due when my policy was due until November 15th. I was informed that they misquoted me for the policy, so they sent me a refund for the amount I paid, and the $497.00 is what I owed for the current policy. I asked the operator if they could move the due date to 9/21/2020 because I can't just pay $497.00. After all, this wasn't an unexpected expense. I was told no because the bill is ten months past due, which wasn't my fault; they fixed their mistakes and sent me a statement and expected payment right away.

I asked to speak to the supervisor, and he wasn't any help, and the only thing he could do is accept half of the payment amount or the policy will be canceled on 9/15/2020. If I received a letter about the reason for the refund or a change in policy, I wouldn't be so upset. Still, this clerical error is their fault, and I'm expected to fix a problem that wasn't caused by me or pay more than what I initially agree to pay for coverage.

This time he needed the info for the mold remediation company, something we already provided and the adjuster was on site when they were here. I have submitted hundreds of photos and all information requested but we still don't have an update from the claims representative and he won't respond to any of the emails we send. The mold was not remediated as it's now growing in other areas of the house. The landlord is "working" on it while we continue to develop health problems and watch our belongings ruined.

I spoke to the local tech. company and learned that they did indeed send photos on July 7 and received the denial July 9th, also that they do not send a report, only photos. It appears that their own techs, if they exist, are paid to find a reason to deny claims. To make matters worse, they insult customers by telling us that what we know to be true is not true. They argue that the damage is a result of an accident, an impact, that never happened. I have read numerous bad reviews of Assurant that I wish I had seen prior to taking a contract with them.

Given the impeccable timing and world events, this loss and subsequent dragging of feet has caused me to lose the housing I had secured, leaving me and my cat stuck in my car parked outside of a friend's house awaiting a resolution. This is deplorable and degrading, they took their payment and failed to provide the services for which I payed for.

The information went into a queue somewhere (??). Over a week passed before I received a VM from the Assurant adjuster who really told me nothing more than my claim was received. I was asked to check with the HOA to determine what their policy covered and sent the contact information and all HOA documents to Assurant at the beginning of May - the 8th and the 11th. A week passed. I sent to Assurant an exchange detailing coverage I'd had with the HOA.

Reaching the company by phone is difficult. They recording refers to an incompetent website that notes all policy and claim information can be found, which is completely untrue. There is nothing on the website at all. So you are forced to call, which is challenging on the west coast because Assurant keeps ET hours. At one point my adjuster was out of the office because of an emergency. So I waited. I will add that my adjuster himself was amiable. It's Assurant that's abhorrent.

After the back and forth, challenges, and delays, I thought that at the end of June, the claim would be paid and closed. I reviewed it with my adjuster and awaited the check. The check arrived -- it was addressed to a mortgage company (not mine), my husband, and me. Who does that? I have NEVER in 30 years had an insurance company list a mortgage holder on a check, thought it was a note (because it made no sense), endorsed and deposited it. And my bank rejected it.

I called Assurant to find out why on earth the lender was listed. My adjuster didn't know (?) but said he'd address it (and to his credit, he has). I also noted that the lender on the check was not my current lender. OMG. I provided a current, dated mortgage statement with my name, the lender's name, the property address in response to an email to the lender on which I was in copy. I also responded to an email from Assurant requesting my confirmation of the current lender to be listed on my policy. That was 6 July. It's mid July. I AM THE INSURED AND APPROVED THE AUTHORIZATION!! I don't know what else I can do. I am sure they'll eventually send a check (to me and my mortgage company) but this process is so painful. Please do yourself a favor and go elsewhere.

The image contained an email address and told you what to write. However the image quality was pixelated and looked like it was scanned by a Nokia flip phone, so it took some time to successfully read it and write my cancellation email. In California it's required by law that companies provide an option to cancel online. Yet every other state doesn't have this option, even though Assurant clearly has the capability to provide it. Why? Greed of course. They want to make cancelling as hard as possible to keep squeezing money out of you even when you own a home now and don't need a renter policy anymore. Companies like these are the bloodsucking leeches of our country.

When filing the claim, I was presented with a message that stated that a representative would be in contact with me within two business days. I called to confirm receipt of my claim details because the initial notice of claim and the follow up where you upload the police report number, list of items in the loss and documentation proving ownership of the items are two different stages of the process and the first stage instantly sent me an email with a claim number but the second stage (longer process) did not send me a confirmation.

When checking the website in my account claims/manage claims section it shows the ability to file a claim but did not show a claim to manage or check the status of. I was unsuccessful in talking to my adjuster. The representative I was able to contact was polite and told me to call back today by the end of the day if I hadn't heard from the adjuster. About 30 minutes after talking to this representative, I received a phone call from 305-253-2244 and I answered the call. While saying hello and introducing my name, the phone hung up. I thought it was odd so I googled the number and it came up as Assurant.

I called back and ended up speaking with someone again who told me that the adjuster did not have a phone number that they could transfer me to but they provided me with an email address. I emailed the adjuster to say that I received a call and didn't want to miss her because I was hoping to follow up and make sure nothing else was needed from my end. I did not receive a reply.

Today: No communication from the adjuster so as I was politely told to do, I called back to follow up by the end of the day (3:30PM PST or 6:30EST and the claims department says they're open until 8:00PM EST). I have to choose a different option than the one that matches my request the most because it's the only way to talk to a real person. This person tells me that I should call the claims department but do not use the phone number I have on file because that phone number auto affiliates me with the adjuster that is assigned my claim and auto dials that agents number and if that person isn't communicating with me then I need to call with a different number so I can get a person who is going to communicate with me!

The story gets better... I say to this representative, "Isn't there a way you can just connect me to the general claims department line so I can speak with someone?". He says, "Let me see what I can do". I am put on hold for a few and then someone picks up the line in the claims department. This person says "Before we get started, I want to warn you, it's 6:30PM EST and most of the adjusters are gone so you can't speak to someone about your actual claim but let me see if I can get any details." She looks up my claim number and she says, "Well, in the notes it says she called and left you a voicemail yesterday." I can take a screen shot of my phone.

The 305 area code call I got from an assurant number was for six seconds. This wasn't even enough time for me to answer the call introduce myself and get hung up on so there was obviously not a voicemail. I explained this to the person on the phone and was told, "I can assure you that she is working on your claim and if you want to talk to your adjuster you should call back tomorrow before 5PM EST." I politely asked if there was a best time to call and the person from Assurant Claims department said, "I would call earlier in the day, definitely before 4PM because if you call after 4PM the adjuster may not have much energy for you on the call." ?? I still haven't talked to my adjuster but I suppose I will try again tomorrow before 4PM.

I emailed her to let her know and just to have open communication with her. Her communication was not the best. All of my electronics were damaged, however, she didn't pay me out for them stating that I had to take it to a repair shop. We're in the middle of a global pandemic..there aren't any repair shops open!! On the last day that I was allowed in the unit, she finally contacted me. I asked if there was a time she could squeeze in a visual call and she stated she was in a meeting (I have all of this in email). She instructed me to fill out the personal property inventory sheet, which I did, and she didn't even pay me out for half of the property. This was a horrible experience and I cancelled my policy due to this interaction. I'm going to file a claim against her because this experience was horrible and truly unprofessional, and especially during a troubling time such as a global pandemic.

My policy is paid in full and I cannot make a payment! I’ve been frustrated with their payment system before, which is why I paid a full year at a time - just to not have to worry about it not working properly every month. But now I’m in the same boat, frustrated with the payment system. Now, I have a notification of policy cancellation due to nonpayment, but no way to make a payment. If making a monthly payment is this hard, I can imagine that making a claim might be just as hard. I’ve now attempted to set up monthly auto payments. If that doesn’t work, I’ll find another carrier, as this has already been ridiculous.

I spoke with multiple unhelpful, impatient, and rude customer service representatives until I asked to speak with a supervisor. She informed me that they had sent a rejection letter in the mail, which I did not receive. This could have all been avoided with better communication and with employees that actually care about their services and their customers. Two mistakes caused by this company, and I have no means to cover the significant loss of property due to theft in my apartment building.

Now at this point I’m confused because I paid the amount on 5-13-2020. I contacted Assurant to inquire about the email on 5-19. What bothers me is when people can’t explain something to you, (The how’s, and why’s ) The first thing that comes out of their mouth is, "You’ve missed a payment along the way." It baffles me that without fully researching my account, a representative can tell me that I’m past due when I know for a fact my account has been paid in full for the past 5 months. So after that reason was shot down because I made him look further into my account, he then comes back to say the reason the $15.59 is due is, "Because you have to pay a month in advance when you’re on an installment." Ok, so is this a late fee for not paying on 5-7-2020 for services that has not started until 6-7-2020? "No, it isn’t."

So basically what the representative told me was that because I didn’t pay on 5-7-2020 they were adding additional money because you have to be paid a month in advance. Ok, so was my payment not made a month in advance on 5-13 for $20.59? I mean I know it’s a few weeks however, I was informed the payment didn’t have to be paid until 6-7-2020 by another representative. Oh wait, then he tells me only $5 was applied to my account of the payment that was made 5-13 when I have bank documents showing $20.59 was drafted from them. But after he looked “further into my account” “I see that the payment was made of $20.59.”

They literally tried to sell me any story yesterday that made no sense. I asked to speak with a supervisor and no one would take the call from the representative I was speaking with. All he could tell me was “I’m telling you exactly what they’re telling me”. That for one is not good enough, if I asked to speak with a supervisor one should have been able to assist with the call. Assurant is trying to take money from customers intentionally and that isn’t sitting well with me! I cancelled the policy yesterday because not only is that bad customer service, but it’s unacceptable for a business to try to take more money from customers than what is needed.

Now my account as of today is showing $15.59 has been refunded yesterday. Why is that refunded if I owed that??? Furthermore I should be refunded $20.59 for the payment I made on 5-13 and additional prorated charges for me cancelling the policy before it ends on 6-7-20. I will not do business with a company such as this one. I will not give a company like this my hard earned money for them to try to weasel additional money with no real explanation. I canceled and signed up with Lemonade insurance and my payments are $13.92 which I will pay the annual in full next week. I wanted to do that with Assurant because I have car insurance with Geico and it’s bundled however they messed up so I’m done with them and I’ll be calling today regarding the money that they owe me!

After speaking with my adjuster Rose, she explained the process, and stated she would get my documents over to the estimation team, confirm the police report and incident report from the leasing office. The next time I heard from her was on 5/5/20 @ 7:41am CST, when she left a voicemail stating that she had received all of my documents, and she would be forwarding it to the dept that does estimates, as well as confirm/verify the police and incident reports. I was under the impression that she had already done all of this, so why are we still at this step?

I’ve called her countless times, and left more than enough messages, and I never get a call back. I have even called her manager, Tristan ** and left two voicemails for him, and he hasn’t returned my calls either. This is not the way to do business. They don’t have to hunt me down for payment, and I shouldn’t have to jump through hoops, just to speak to a live person in claims. What I do find ironic about this company, is that someone ALWAYS answers the phone, when you select the option to “Purchase Renters Insurance.” Always ready to take someone’s money, but lackluster when it comes to resolving problems, or even answering claim specific questions. A complete joke. I purchased this insurance as a bundle, through Geico, and now I’m having second thoughts. It shouldn’t be this complicated, and I don’t want to do business with ANY insurance company, that refuses to rectify their shortcomings.

They said that we owed them 331$ because they had to clean our apartment! I am floored! Not only did anyone try to contact us to say we had a bill before it went on our credit report but they didnt call, email, or mail us anything!!! This is a garbage company that defrauded us and I'm positive we're not the only ones! If you're looking to rent a place and they mention this garbage company then run! Find a different place!!!

Shame on me because I should have done my research before signing up with them as they have a ONE STAR RATING!! I’ve never had so much grief with any other company ever. I’ve cancelled the policy and gone with another carrier. Beware of this company.... they will do everything in their power to NOT pay a claim at all and leave you hung out to dry. Completely and thoroughly disgusted with them.

I say tell me why you need to know if I ever applied for unemployment? Why do you need to know who I lived with from this year to that year? Why do you need to know my previous address? Why do you need to know about my Military service from 20 years ago? Why do you need to know about my heart surgery over 10 years ago? Why do you need to know about my criminal record that’s not only SEALED but over 10 years ago? I got a DUI over 10 years ago. It's personal, it’s a sore subject, I don’t like talking about it. In fact a lot of these questions are personal and have NOTHING to do with my car and I DO NOT feel comfortable answering these questions to someone I do not know. So Mr. ** informs me if I do not cooperate my claim will be dropped.

At this point I’m steamed. I don’t even care about the claim at this point. What they are doing is wrong. Forget the this company, go ahead and drop the claim and drop my policy as well. This is personal and more about the principle than money right now. I think that’s unethical and not even sure if it’s legal to require me to answer those questions, especially ones from so long ago.

Now you would think that ANNA ** would understand the severity of the situation and issue check for expenses but HELL NO! She was and still is THE MOST DISRESPECTFUL INCOMPETENT EVIL INCONSIDERATE LIAR I’VE EVER HAD ANY CONTACT WITH! She was absolutely combative every time I spoke with her and she argued me up/down that INCURRED means REIMBURSEMENT! I said, "You are absolutely breaking the law ma’am and you cannot interpret policy as you see fit (cannot add/subtract) however you are required by law to read policy as it is"!

ROBIN ** has supervisor is absolutely NO HELP AT ALL! She cannot be a Supervisor! If she is her along with ANNA ** should be terminated immediately! (I recorded every call/contact). ANNA ** fraudulently put claim in as Windstorm and stated someone about rainwater and proceeded to tell before I could finish my claim now, that it my claim may be denied! I said, "You are stating something about rain not me and furthermore I cannot and have not been able to state facts about claim because you are being rude!" Doing absolutely everything in her power to deny my claim! She didn’t give damn that me and my children were homeless in a instant for something that I was absolutely not at fault for and was out of my control!

Anna ** was off from work January 13th - 28th, 2020. I submitted all claim information via myclaiminfo email never being told to send documents converted to PDF file, they cannot click links (MOLD TEST INVOICE), only send 3 max photos at a time etc... ONLY WHEN I WAS SWITCHED PASSED ALONG TO MY 3rd adjuster did she thoroughly explain to me in detail the correct procedure in which to do so! Anna ** did this on purpose!

So I resubmitted all documents via fax and email in which is not efficient or effective at all! Other insurance companies have DIRECT EMAIL AND FAX TO RECEIVE DOCUMENTS FROM CLIENTS TO DO THEIR BUSINESS EFFICIENTLY AND EXPEDITIOUSLY especially in emergencies where children are homeless and sick! Not these people!

Anna ** would ask me to send contact information to my apartment complex???? "Ma’am you have it. I had to register that in order to obtain renters insurance!!" Just being antagonistic for absolutely no reason at all! I didn’t receive anything from Anna ** when she finally returned back to work however yesterday she calls me and tells me that my claim was Denied without: mold test results and report, code enforcement report without any required information in order to conduct a thorough investigation and I have her recorded on call stating this, admitted that she did not research review anything because she didn’t give a damn!

Code enforcement report states: Plumbing System hidden inside walls and ceiling. Hot water heater not functioning properly. No hot water. The invoice for mold inspector and remediation >>> was never paid for and Anna ** never even called company to investigate. Did not even call code enforcement and receive a free report from them. She did absolutely nothing!

Everything from the beginning of the claim to present WAS DONE IN BAD FAITH AND THAT IS ABSOLUTELY AGAINST THE LAW AND DISGUSTING! I have contacted an attorney because this adjuster Anna ** - Robin ** and Assurant are all crooked criminals and are operating outside the laws in bad faith and I will not let them get away with it!

Me and my 2 children are still in a hotel and have lost the majority of our personal property in the middle of the school year! I kept an impeccable paper trail and audio trail for litigation because the culture of this company is absolutely not trustworthy and I have zero confidence that they will be helpful in rectifying the wrong that has been done to my family and definitely absolutely nothing will be done to ANNA ** or SUPERVISOR ROBIN ** because this not an isolated case. I read all these reviews and we are all stating the same injustices from ASSURANT and that is absolutely disgusting sad and sadistic!

HOWEVER YOU HAVE MET YOUR MATCH! I will make this go viral and sue for punitive damages and bankrupt company or have sec shut them down! I am livid because my family lost everything and this combative liar Anna ** did not one thing to help us! And I want her job and insurance license taken away from her! I would never have done business with Assurant had I known and seen reviews NEVER!

The person called several weeks later and interrogated me. Asked why the police report was amended. It hadn’t been. Asked why was I in a rental car why not my own? I was out of town and flew there. He couldn’t grasp that answer. He then asked how much did I have to pay for the car window. I told him nothing I have a zero deductible on my comprehensive. He said he had never heard of that. I said I own nice cars and have quality State Farm insurance. He asked what my car was. I said the one that issued in this claim with the rental was a Maserati.

He proceeded to explain that the additional coverage for jewelry was capped at 1500 even though we pay for the extra and we would have need to pay to have each item in our home appraised and photographed prior. This wasn’t made clear anywhere. The adjuster had replacement receipts, photos proving ownership etc. He had the claim number for State Farm, the Police Report, photos of the break-in, witness statements, a copy of an email that went out to all the businesses in the park from management letting them know this car had been broken into and had photos to alert the owner. The Agent denied the claim. I have contacted the firm that our family uses and they believe this is a consistent pattern of misrepresentation or coverage and breakage techniques to reject claims.

Original Review: Jan. 29, 2020

Some of the documents asked by the insurance in order to be refunded are just not provided by the car rental company in Mexico. Assurant refused to adapt and understand this specific situation. Mexico has different rules and don't provide the exact same documents requested by the insurance company. At phone, there was not a single effort to help me out with this situation. It seemed more of an excuse to not cover the cost of the repair, which is low (578 USD).

A few weeks later I got in touch with them (which was a nightmare in itself, going through a series of robots and auto emails) to check why I still have not received the refund, to be told that they sent the check to my old address that I moved out from over three years ago! Give me a break! I sent them the new address and asked them to resend the check. A month later and still haven't received my refund. Ever wonder why the company's revenue is $6.5 BILLION?! I think you got the answer.

Original Review: I canceled my rental insurance back in 2016, moved to another state, and change my debit card completely. I just found out (in 2020) they have been charging me for the past 3.3 years! My bank informed me that they were able to find my new debit card info online and auto-renewed my policy without my knowledge. This is theft! My bank can only refund me the past 1.5 years' worth of transactions. DO NOT DO BUSINESS WITH THIS FRAUDULENT COMPANY.

So at this point I am hiring an attorney as I am getting the running around from the adjusters. They will cover removal of asbestos which means all the walls, flooring, ceilings, fixtures, electrical and some plumbing had to be removed. Now my home is a shell and since they are refusing to fund the repairs the home continues to get further damaged. My home has not been livable for over a year and I have had to put all my parents belonging in storages that again the insurance is refusing to cover. My mother has passed away and my father is sick and this has caused him great stress. So since they want to not repair our home which is their obligation I will let the courts decide. Do not get this company as it is the worst company I have had to deal with and I am an insurance agent.

I called Melissa back and she didn’t answer for the next couple of days. Since I needed to remove things from the home in order for the renovation people to do work I called assurant and spoke to a claims representative who I will not name and try advised me all I needed was pictures and receipts of the items. I held onto the items for a little while longer while the fans were blowing in my home hoping the person who comes to look at the apartment would see if however, the person assurant sent to take pictures arrived about a week later after the problem is being fixed to take pictures.

My adjuster Melissa ext ** has not been in contact with me or returned my calls or emails in a reasonable manner. So I called again and spoke to a claim representative and I was told that I either needed a receipt, photos or proof of ownership and that I did not have to hold onto these broken items and transport them with me unless it was clothing because they would see if they could clean the items.

After reaching out to Melissa’s supervisor Robin ext **, Melissa finally decided to contact me. She tells me I need to take my damaged items to Best Buy to get a diagnostic of each item which I told her I tried to do and she said to take it somewhere else. She claims she doesn’t get my emails and I make sure I email so there is a paper trail of everything. I am currently dealing with this manner 5 months pregnant and after the flood she is making this more difficult and trying to find every reason not to help me. This has been the worst service I have ever received and I will be writing and making sure everything is documented.

Original review: I am renting a house and I have a bunch of solar panels that were stacked outside from my previous house and we had a wind storm and it blew them all over and shattered them. Well I called Assurant and file a claim and was told "It means that it would be covered under the building additions and alterations limit which is 10% of your coverage." I made it clear that these were never installed on my landlord's property and never would be. I called around to insurance companies and then an attorney just to make sure I was right. I emailed the adjuster, Denis **, and have not heard from him since.

Original Review: This is my last resort. Not only did I lose my husband; due to him passing away. But two weeks later my house gets broken into and I get robbed of not only expensive and valuable items but sentimental and priceless items... but when my home was vandalized at least I felt a little sense of relief because I have always paid for insurance and thought at least this shouldn't require more stress than what I'm already experiencing but boy I was completely wrong!! The fact that I have to reach out here and share my horrible experiences with my insurance company Assurant is shocking and very disappointing!!

From the beginning I contacted Assurant to file my claim; now this was back in October. After a little over a week from filing my claim I hadn't heard anything back from Assurant so I contacted them again but was told my adjuster was transferred to a different department and that I had to file my claim all over again. Now this was the start of my horrible experience because had I not contacted Assurant for a status; I would have just been waiting because no one from Assurant bothered to contact me to let me know that I no longer had an adjuster Fast forward to sending all of my documentation for proof of ownership; sent my adjuster Daniel ** more than enough; receipts, owner manuals, pictures etc. now when trying to get in contact with my adjuster was just unsuccessful; constant voicemails left, emails, nothing.

I then get a letter stating he processed my claim for literally a couple of my items with no explanation of why all of my other items were not covered...still unsuccessful communication with Assurant. Finally the week of Christmas I get lucky (I thought) and Daniel answers my call; I asked him for clarification on why a number of my items were not included or covered; he had no real explanation only that he “missed” some of the info and docs that I sent to him. He then stated he can try to fix everything that he missed as fast as possible because he was getting ready to go on a vacation. Unbelievable. I just couldn’t believe that Assurant did business this way!! So in a nutshell; this adjuster was lazy and hoping to get by with just doing the minimum because he was going on “vacation”. There literally shouldn’t have been any reason why I was still trying to get this corrected to put this behind me.

Not only was I just trying to put this situation behind me and try to comfort my children but really; I’m having to deal with this situation and it’s already frustrating on how Assurant has handled my claim but during Christmas time really not only taking away from my children and protecting them cause they don’t understand what just happened to their dad. But also me trying to stay strong for them while still grieving my husband by myself. It was just shocking that a professional business that is actually supposed to help make their consumer’s life easier is providing this type of treatment. A professional business that I pay money to consistently; this is what I’ve been paying for!! At this point I really wasn’t surprised that my adjuster Daniel Alvarez was trying to leave for his “vacation” without fixing “his work.” That adjuster that I was working with was just extremely lazy and had just a complete lack of care or empathy for their consumers.

Fast forward. Here we are reviewing each of my personal belongings; no issues at all with the exception of one item; I did not have a correct order number from when I purchased it (which was a couple years ago). So this adjuster was just that lazy or just didn't want to do any work; he decided that none of my belongings would be covered; because I was unable to provide receipt for one item; just one item!! Now I could understand if that specific item wouldn’t be covered... but no; my adjuster decided that none of my belongings would be covered!! He was just that lazy, lack of care, or couldn’t wait for his “vacation” that how could he make this call. We’re talking about my husband’s wedding rings, thousands and thousands of dollars of our jewelry, most of my husband’s personal belongings, sentimental items that can’t necessarily be replaced, just a lot.

It gets better....after trying to reach his manager Marlon a number of times; multiple voicemails left, even other employees sending him emails to contact me, being told he’s in meetings; I never was able to speak with his manager Marlon. After many many attempts to reach him; there was nothing left but to assume he was purposely ignoring me. Lastly, I get told that now Marlon is on “vacation”...wow!!!

I was then advised to try to get in contact with the “Customer Liason” Nicholas; which was unsuccessful, Michelle ** and Susie **; all of who are supposed to be of assistance when there is an escalated matter; but by now at this point none of how I am being treated is a surprise so this is what I’ve had to resort to; I would like to at least share with others and let paying consumers know just how Assurant is treating their customers. Here I am in mid January and nothing has yet been corrected. Nothing has been done. It’s like at this point with the passing of my husband, the robbery and destruction of my home closely after; and the experience I have had with Assurant; it’s like what else can be done to me!!

Assurant said they could not do that. So I had to file a complaint with the insurance commissioner today to get the issue resolved. It's bad enough having to deal with final expenses and grieve the loss of a loved one. Here I am grieving the loss of my niece and my sister in the house fire, and Assurant is playing games with my niece's renter insurance claim and trying to stall or not make good on the payment.

In the meantime, I had TWO plumbing companies come out and give their assessments. The first one said they had no idea what it was and that it may be groundwater. Problem being that this was never confirmed by this company and assumed. Furthermore, the water continued to come in even after it was in the high teens and low twenty degree weather (Aka below freezing). The next company came in to give a more in depth examination and initially thought the same thing until they went to my neighbors condo two units up the hill and found that her main water pipe was busted. This is also when Mr John **'s stand in came as well.

They wrote this all in their review that initially they believed it to be groundwater but they found the neighbors pipe busted and shifted their suspicions to that and claimed they were going to follow up for a final verdict. They never gave me a formal write up so I had to use what I had. The city of Fountain, CO came out and shut off her water and just like that VIOLA no more water in my crawlspace in the morning.

When submitting the documents to Mr **, he comes back almost 2 weeks later and says, "Sorry we believe it to be groundwater and it isn't covered." I called him and left yet another voicemail to contest it and crickets. I called up again in December and crickets. It is about to be the new year and all I wanted was my moisture barrier replaced. I have a 1000 dollar deductible and this entire ordeal would have cost them maybe 300 dollars after my deductible.

I can not thoroughly express how much you need to steer away from these people and their terrible customer service and assessors. I had an adjuster that I met at an outing from USAA come by and they agreed with everything I had written to Mr ** based on the evidence that was provided and agreed that they should be going after my neighbors insurance to pay. I'll pay the extra 200 a year to get rid of these clowns and never look back. They do not deserve your money nor your time.

After filling out all of my paperwork I found out my warranty has expired and there's nothing more T mobile can do on their end...I had to separately file a claim with Assurant to get my new phone as well as pay a $100 deductible when I've been paying 15$ a month for over 2 years...a brand new lg v30 is currently 150$ which may have been cheaper and faster to get instead of even paying for this insurance/headache of 15$ a month that has done nothing but created problems for me. As soon as I finished making a payment they told me to check back with them because they were having technical difficulties on their end processing the payment...I could not call back because of how much overtime I had been working the past few days but had seen my payment taken from my bank account.

I called back 4 days later to see where my phone is as it should have arrived the next day or two with overnight shipping. I was told that my payment had not been "completely" processed and was in limbo and all they needed to do was hit the "send" button. Why should I have to call back to check up on a payment I have already made when the technical difficulty is on their end? This was extremely frustrating to me and now since I have received my phone I am seeing on small print that I have to send back my old phone within a limited time or they will charge me a 999$ fee for not returning my old phone! Nothing at all was mentioned to me about any of this. I just hope it gets sent in time to avoid being charged $1000...absolutely the worst experience I've ever had with an insurance company.

These people are scammers! I was skeptical about my experience with them due to the horrible reviews I read, but I was hoping my experience would be better. These people are rude, bias and did I mention rude??? I will definitely be seeking my attorney, who I use for everything else and she's a bad son of a gun. I didnt want to take it to that level because all I wanted was my valuables to be paid for like promised, but if I get her involved I will have that "And then some" due to their lies. I have paperwork stating my coverage policies and different amounts for each brackets, but all of a sudden "I have no coverage"! This is bullcrap and they dont take care of their clients. Run people. Run!!!! Worst company ever and once this is resolved, I will not be doing business with them again.

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.