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About Frankenmuth Insurance
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During a recent sale of our home in Howell, MI, an issue was found during the inspection indicating damage on the porch roof. After having several roofers inspect further, the reports showed significant hail damage across the entire roof. One company had replaced multiple roofs in the same subdivision due to a hail storm that had come through the area 8 months prior. A claim was filed and an adjuster from Frankenmuth inspected.
The claim was denied stating old damage and citing a hail storm that was prior to April and therefore past the deadline to file a claim. As well as manufactures defects vs. hail damage. The photos, however matched hailed damaged roofs throughout the neighborhood and county by other roofers and no evidence provided by Frankenmuth that the damage was due to any manufacturing defects. Nor that it resulted from a time prior to the last hail storm the previous April.
My opinion, based on consultations and quotes from several other roofers is that the claim was denied based on Frankenmuth's knowledge that the home was for sale. After the relocation, we would no longer need Frankenmuth's coverage and despite the pride we took in ensuring our premiums were paid on time and the lack of "shopping" our coverage for better rates - combined with outside roofers' expert opinions, the claim was still denied. Had it not been apparent that the home was being sold, I believe the outcome would have been different.
Insurance will always be a gamble. But there are certainly many great agents to work with and reputable insurance companies. I hope that my review will help steer you to one.
A week ago, on a Friday, my HVAC unit was totaled by a guy delivering a dumpster next door. The owner of the dumpster company didn't send pictures of the damage to his insurance agency until Saturday morning, so nothing happened over the weekend. Luckily temperatures were in the high 50's over the weekend, but Tuesday's forecast was for a high of 33 degrees. I knew I needed to get the insurance ok on Monday. I got a notice that morning that I would hear from an adjuster within 24 hours, so I called the dumpster's agency (which also happened to be my agency for the past 25 years) and told him he needed to call Frankenmuth Insurance (which I'd never heard of) and try to speed things up, while I also left a message for the adjuster.
She responded quickly, understood what we were facing, and did everything she could to get the claim ok'd on Monday...but she was on Eastern time and we're on Central. My phone rang Tuesday morning at 7:20. She told me how much the check would be for and when it would arrive. I called the HVAC company, their crew arrived before 9, and by 4:30 we had heat. It was by far the best claim adjuster experience I've ever had! The check arrived seven days after the accident. Kudos to J. ** and Frankenmuth Insurance!
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I’ve been with Frankenmuth for some time now and am pleased with the service and pricing. I have had claims with them that went smoothly and painlessly. Beat other big name insurance companies pricing hands down. I was reluctant to switch at first because I was in “Good Hands” for over 30 years and my premiums became outrageous. I am very happy with our agents and the customer service we receive.
Been a customer for over 11 yrs - raised my auto rate by approxly 40% this yr - why? Because they wanted to & could. No vehicle chg, no coverage chg, no accidents or claims! Talk about organized crimes! Looks to me like they are trying to raise rates before insurance reforms go into effect next July.
In April of 2017 my wife was in a head on collision (not her fault). Luckily no one was injured but the car was totaled. Then, less than 2 weeks later during a windstorm (wind gust exceeding 75 MPH) our carport was severely damaged and had to be torn down and replaced. In the case of the car, the settlement was paid in less than 1 week and I was very satisfied with the payoff payment. In the case of the carport, it took a little longer due to contractor delays but it was settled to my full satisfaction. When my renewal time came, I was shocked to find that my both the Autos owners and Homeowners policies went down. Not by much, but they did go down. I am totally satisfied with the service from Frankenmuth and both their agents and representatives that work for them.
I hit a deer on the freeway. Having only 20% battery life I called AAA for a tow, then as an afterthought my insurance company for guidance. Again, I explained at this point I only had 15% battery life. My agent quickly gathered all information needed, asked if I contacted the police. I explained I didn't know you had to so she did it for me. I dropped the car off on a Thursday. It is now Thursday 2 weeks later and I received my payout check today. The biggest delay was the collision company. They took 5 days to come up with an appraisal. I received multiple calls from Dustin and Andy (claims dept and loss dept) letting me know where things stood. The settlement was fair. It was a used car and I had owned it 18 months. The amount was 1,000 less than what I had paid. I was concerned because of posting on this site. However very relieved my claim was different.
This company hates dogs. They are looking to hit me with a 500% surcharge because I foster a dog for rescue. I am changing companies after 6 years without a claim. DO NOT USE THE DOG HATERS.
I've dealt with Frankenmuth insurance for at least 7 years. I made 1 claim when my roof was damaged due to a severe storm in September 2014. They raised my premium to almost double. They didn't even pay full claim on roof estimate or pay me for loss of food due to power outage which was proven through DTE Energy. The adjustor wanted me to take my own pictures of my roof. Very, very unprofessional and based on their company reviews this is VERY common.
My wife backed into my brothers truck and did a little damage. Since it's new, he wanted it turned in to insurance. We have had their insurance for 5 or 6 years and they cancel us for that. Well, ** Frankenmuth!!!! The ** take our money then cancel if they have to pay. Hope they go bankrupt and lose everything!!!
I've worked in the industry for Frankenmuth and others and have heard these complaints so I wanted to look into myself. While I don't doubt the sincerity of many... there are typically 3 sides to every story, with the third being the truth. But you see some people on here ** that they 'pay a lot' (we all do) for their insurance and they should be handled immediately. Obviously there was a phone issue, are you that helpless that you can't call a tow company?
On the one claim, somebody said it's ins fraud because they didn't pay a claim where a guy was insuring and driving a van he didn't own but his sister did. He's right... it's fraud... by the insured! You can't insure something you don't own... if the agent says it was ok then your agent is an idiot and you could file an E&O claim against them. And the guy who said they just 'dropped him with no notice. You legally cannot do that... they don't work that way... there are laws against it!!
Then the genius who said they can't force you to spend money on your home. Right... so if your roof is about to fall apart because you've neglected it they should just cover any losses? Or the guy who said they don't offer replacement cost... they either do or they don't. You not knowing is shocking. But yes, you have to replace the things to get paid for them. They don't just blindly cut you a check!
The list goes on and on. People, you need to understand, your insurance is a contract. It's likely covering the things that are your biggest assets in life (home and vehicle or vehicles). Unfortunately most people pick someone because it was cheap and they think cheap is the best. But how about sitting down with an agent and asking questions? Nah... just ** about it and not actually understand what's your biggest need to protect.
Frankenmuth Insurance Company Information
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- Frankenmuth Insurance
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