Auto-Owners homeowners insurance

Unfortunately their local agent defended their behavior, disrespect, mistreatment, and lack of accountability to a long time customer and senior citizen in claim on the account. It is a disgrace that a business operates in such a manner. To date there is no resolution and no reimbursement. Fortunately, there was savings to cover what the insurance policy/contact should have. Buyer beware as what happens to people totally depending on their hard earned policy premiums paid for years to be in vain not to mention the disrespectful, rude, hateful, gaslighting behavior received. One would think we owed them money instead of auto owners owing us and honoring a contract.

Here we are more than 8 months later, with nothing resolved other than asking for more documents each time. From the very beginning they have tried to tell me that my kids must have snuck off and smoked ** and lit it on fire, or my kid lit incense on the stair case and set it on fire and when I disagreed with all of that, saying my kids would not do that, Doug ** with Auto Owners said “I think you lit your house on fire”.

But mostly, they have simply ignored me. I finally hired an attorney. When he contacted them, they chose that moment to demand every financial record I had ever possessed going back years. So we spent hours finding and copying everything, and sent it to them. Then they accused me of arson. So they are clearly not working for the customer. They push and try to intimidate to get you to back off on your claim. So here I sit, 5 months later. The house had to be secured because it has been broken into and items were stolen. I get reports from neighbors that people are STILL coming to the house and taking things. When I asked Auto Owners about it, they said that would be another claim, with another deductible – even though the fire is what opened the house up to the break ins and theft to begin with! If you are with Auto-Owners, I recommend dropping them BEFORE something happens to you, and you need insurance you can count on.

I called one of them and they came out and also found damage and told me”this should be replaced”. I forwarded the information to the insurance company and left messages for the guy that came out, but no response. I finally got a hold of someone and they looked at the file and it showed “no damage” but after hearing my story they decided to send out a “independent Contractor“ roofing engineer. He came out over a week ago and looked at my roof. I asked him what he found but he said “I would have to wait until he filed his report “. I still haven’t heard anything!

I’m not looking to get a free roof. I just get a little nervous when we are the only house on our side of the street that was able to avoid any hail damage. We are the third house on our street and the first two and the next four houses have all had their roofs checked, replaced and are done. It’s not worth saving a few bucks if the insurance you get doesn’t cover you. The old saying You get What pay for, seems very true in this case. Buyer Beware!

First off - it was only the surface of the wood platform, and all of the supporting structure and studs were obvious virgin wood, with no damage, mold, dry rot, or anything. Wood looked practically brand new. When I pointed this out to the 20 year old adjuster she didn't care (and even had the in-depth contractors knowledge to explain to me how if dry wall is damped and allow to dry out, it becomes stronger). But, because the wood directly underneath the heater was discolored, the claim was denied.

2nd off - the hot water is located right next to the garage door - we have to look at it every day, and noticed the leak the morning after it started - no long term damage occurring here. We even had the adjuster (who arrived 5 days later, btw) indicate before even looking at the damage that they would most likely be denying or reducing the claim.

We've been relatively ok with the auto insurance, but am not so sure that if a claim is ever filed these guys will actually honor the claim. Well We've been donating to the Auto Owners Insurance charity for years now, but we'll be switching companies as soon as freaking possible! Stay away if you want to purchase a policy for security rather than just making a donation to this company!!!

My lawyer, contractor and 3 MD's agree I need to vacate this abode as soon as possible because it is life threatening, I have provided them with this information yet both Luke ** and his manager Michael ** are continuously playing games asking ridiculous questions attempting to stall presumably to take advantage of my illness in an effort to get me to give up. Even going so far as to question why I live in Florida if I have health problems! This has caused me severe trauma and undo stress not only upon me but my Elderly parents.

While this all may be fun and games to them, I have serious lung problems well documented and they are forcing me to habituate an abode that has undergone demolition breaching it to the outside and releasing harmful drywall dust into my asthmatic lungs along with all the pollen and humidity that exacerbate my conditions even further. They came in, saw I was on a nebulizer, looked at my demolished bathroom and left for vacation without saying a word. I had to go to the ER again this past weekend with breathing problems from the moisture and dust that Michael ** claims is "habitable". I suppose Mars is "habitable" as well for a few brief moments until you burn up or shrivel up from the harmful environment.

The pain and suffering this company has caused upon me and my family is incalculable. I now have FURTHER proof of critical blood tests and permanent lung scaring that they are causing as well as extreme stress and hardship yet they will not even provide the most basic human right, that is to live and breathe in a safe environment that we paid for over decades of on time payments.

The adjuster then came out and evaluated only several rooms, and sent a check for partial floor replacement for a few rooms. (north half) This covered water damage caused by the washing machine. The adjuster disregarded multiple statements from plumbers, Serve Pro, and 2 contractors, stating that damage to all floors was caused by the washing machine and water trapped in the underbelly by the washing machine- because the adjuster failed to have the water damaged areas dried out.

After I finally received estimates from 2 licensed contractors, the adjuster brought in an engineer, with no plumbing experience, 9/14/18, to determine the cause of water damage. He determined that the damage occurring on North half of the house was caused by the washing machine. He then determined that the damage to the South half the house was caused by 3 tears in the underbelly, all close to the washing machine,(north half). He said the moisture in the crawl space traveled up to the floors, through these tears, (north half) causing damage to the other floors, (south half.) Locations were photographed and identified by him.

I filed a complaint with the BBB, and the adjuster disregarded by complaints and questions. She lied about everything. I filed a complaint to the DIFS, Michigan, and the adjuster lied again to DIFS. She said I reported some of the water damage on 5/31/18, and then called her again, 6/18/18 to report more water damage, leading her to call in the engineer. So deceptive! Everything she said on her response was deceptive. I hope anyone reading this will call a public adjuster. Even though you have to pay 10% of the claim to the public adjuster, it is better than dealing with a deceptive adjuster. I had no idea a representative of Auto Owners would ever be so conniving. My family and I have been with this company for over 50 years, and I trusted my agent.--huge mistake.