Homesite Insurance Reviews

By now I am absolutely livid, told them that I wanted my policy cancelled and all of my money back, so they informed me that my policy was cancelled and my home was no longer covered by their insurance, and told I would get a refund but would take over 2 weeks to get it mailed to me. Do not waste your time on this business!

We are two disable people and the medical injuries we have are lumbar and cervical injuries. Ms. ** suffer from several arthritis. The cold is killing us. We got an independent contractor too who reported in writing, "the system appear to have an electrical damage at outside compressor. Burn wire." We have been living in this house for twelve years, paying every month and never put claim. Now that we need the insurance help they are lying so they do not have to paid. Thank you.

Now I have no insurance and any insurance company I request a quote ended up decline coverage because I had a loss claim on the house. I called Geico/Homesite again tonight begging them to re-instate the policy. The agent declined and connect me to another underwriter from Stillwater. I also found out Geico claimed my roof had MOLD. This is absolutely false. It has moss growing on the roof due to two big oak trees casting a shade over the house. I had since removed all the trees in the back of the house and the moss is gone too. Now I am unable to buy insurance anywhere. Stay away Homesite. I am without insurance for my home now.

This week, they told me that they would add the ring for the purchase price, then decided that no- they would only insure it for the appraised value which is an inflated number and more than twice what we actually paid for the ring. Then yesterday, I was told no- they would not insure it at all, but perhaps another one of their partner companies (Travelers in this case- would). I was then informed that my homeowners would increase 2 1/2 times what I am presently paying if I made the switch.If they made me jump through all these hoops to increase my coverage and actually pay them more money- one can only think what would happen should I actually ever have to file a claim. Needless to say, I will be shopping for new homeowners insurance ASAP.

They are valuating my house at $490K. I almost fell off my chair. What a complete, utter joke. I am not submitting a customer service inquiry and will file a formal complaint if we don't get resolution. They HAVE to be overcharging customers because there is absolutely NO basis for this figure. I have quotes from other insurance companies and they can't even come close to this made-up figure. However, I do see how they load up -- they charge 1% of home value for hail. The higher the home value (fictitious or not) the more 'deductible' the homeowner pays. Yikes! Stay tuned.

I want to make one point very clear. THEY NEVER DID A SINGLE THING TO MAKE CONTACT WITH US. I think the worst thing is that now we have been without coverage for almost a month and we didn't even know we weren't covered!! If something had happened in our building, because of the lease guidelines we would have been liable for any and all damages!!! Now that I'm seeing all of the negative reviews I am very upset that I ever gave them a single cent. We will now be moving on to a professional & ethical company, even if it costs double what Homesite charged. Lousy company. Do not waste any of your time.

I informed them we were out of the state and needed to have the check sent to where we were. I was told that would not be an issue and was asked multiple times to confirm the address. 2 months later, they sent the check 3 separate times to the wrong address and now they tell me 3 different days the last check was actually mailed. I still haven't received it, and now am stranded out of state with no money, because I had to spend a chunk of our vacation money on paying back the escrow. I have now cancelled them. I guess we will see how long that check will take considering it is also a large amount.

The increase in premiums and Deductibles was enough for me to go elsewhere and don't wanna bother wasting my time to get the age of roof fixed. Oh and BTW, every year, I had to submit the age of roof proof as they would increase premium by 50% - Major annoyance that I had to keep submitting that year after year. This time they want more crap and won't accept the document they've been accepting this whole time. Well, screw you!!

I worked there for over three years and every change that was supposed to "enhance the customer experience" only made things worse. They sent out incorrect information to policy holders on a regular basis and us customer service reps were there to take all of the brutal backlash from angry customers. I have never talked to a customer service rep the way people talked to me on a DAILY basis. If we weren't sending out incorrect information, sometimes we would not send it at all. We would have wrong billing addresses in the system and cancel people's policies due to non-pay....when they never got a bill to begin with because some idiot forgot to hit the "SAVE" button. We denied so many claims, but in all fairness there is a LOT of fraud.

I felt bad for some people and other people...not so much. I hung up on you when you were screaming that you had been hung up on before. I transferred you to a different company when you asked to talk to a supervisor because I couldn't magically change the company policy for you. I put you on hold and laughed while you yelled. I hated this company and I am so glad I quit. I hate the consumer. Happy premium increases people. Peace!!!!!

This year, 2014, I had 2 claims:1) Frozen water pipe ($4k total damage - check for $3k due to $1k deductible). Okay... not too bad... fix it and move on. 2) Hailstorm damaged roof. Great (not!) - 1% of policy... Roof would cost me $3350 out of pocket. Independent adjuster tried to get me as much money as possible to help out. Got a check for $5k... Total claim amount totaled $13k. What, you ask, happened to the other $5k? Oh, THAT is non-recoverable depreciation! The roof is original - 15 years old this June.

Got yearly renewal notice ... They raised my dwelling replacement value to almost $500k (my house - and others similar - would sell for $250-$300k). I called to ask how they came up with that number! Went through a bunch of details about the house... As a result, the value went UP even a little more! I said, "Have someone come look at my house! That is RIDICULOUS!"

After being faced with a $5k a year HO policy, I went shopping around. Found all other companies... AllState, State Farm, etc.... priced my house out at $290-$300k. MUCH more realistic. Unfortunately, Progressive lost ALL of my business - HO, auto, motorcycles - because of this. Found better coverage with AllState and took my motorcycle insurance to Geico.

Been paying premiums for 25 yrs and one claim and they almost contest a large percentage of claims. You must be your own advocate or hire a "Public Adjustor" PA. Now I understand why PAs are sometimes good to hire. Feel we have lost time. I personally lost income being displaced and sitting in home while contractors do their work... Feel HS should pay me for lost time. CS person also said that if cost of service or an item is more than you submitted and insurance company paid can be revised.

It took her almost 5 weeks to write up the claim and send us the first payment! Then, after reviewing the paperwork, we discovered that almost half of what we were getting for the repairs was listed under 'non-recoverable depreciation'. I called and complained and finally spoke to a supervisor who assured me that they would send a different adjuster out to look at all the damage and review everything including the paperwork. By the time he came out to our home, it was already September!

By this time, the contractor was done with the roof and wanted paid! The new adjuster ended up adding all the sides of the house to the claim but couldn't do anything about the 'non-recoverable depreciation'. So, not only did we have to pay our deductible ($1,500), we also had to shell out the money for the depreciation. We paid the roofing contractor but we couldn't get started on the siding because they took too long (till the end of November) to send us the 2nd check. We live in Ohio and it was already too cold to start the siding, we would have to wait till Spring.

Fast forward to the present which is March 2014... We get a statement from our mortgage company that our escrow account payment is going up $1,400 monthly!! I call Homesite to see what is going on and they tell me that they automatically renewed our policy, but we will be paying a premium of $14,980!! That's right, $14,980!! I thought it was a mistake, I have never heard of something so ridiculous!

I spoke to a supervisor and sure enough, no mistake! They said because of the 2 claims they were raising it. I argued with him and told him first of all there was only 1 claim, secondly, how are they legally allowed to raise it that high? This should be against the law! We are first-time homeowners and we are very frustrated with all of this!

I have been calling around trying to get quotes and the cheapest insurance we can get is through Travelers and they want $3,566 and they wont take us until we finish the siding. It's freezing here! So, now we're forced to pay $1,400 a month extra, until we can get the house done and drop Homesite! This is unethical and should be against the law!!!! Please learn from our mistake. Homesite is horrible!!

The report emailed to me stated unregistered car in the driveway. They had a picture of my house and a picture of the roof. That was it! No explanation at all. I called them and asked them what part of the roof was this picture. She could not tell me. I asked to have the inspector meet me at my house to show me where the roof needs to be repaired and Geico said they would not do it. After 3 calls 2 of which told me I could not send in pictures of the roof from a contractor stating my roof was fine and the last call said I could. I am so pissed, because now 30 days have lapsed and I can't get insurance until the roof is repaired. I told the representative God forbid my house catches on fire, but if it does I will be suing them. How the hell are you going to cancel my insurance without an explanation just a picture of my roof. The explanation stated unregistered car in driveway which it is a classic and is non op. Don't switch your insurance just to pay less. Just like the saying goes, "You Get What You Pay For"!

One month later after a drive by they tell me we won't cover you unless you repair outbuilding roof. I said nothing wrong with the roof... They respond there's "moss" on it. I said, "Well, I live in New England, we have trees and in the damp months moss grows on the roof... dry months it dies and we sweep off occasionally." No matter... we can't have Moss on the roof, repair show contractor receipts or we will not renew. BEWARE... They don't tell you when bidding or underwriting, they tell you after you drop your old insurance and pay. This is where the congress is hopelessly asleep...or is Warren no different than the rest. Very sad state of the times.

I've watched my dwelling now go to $127,000 along with every other coverage drop lower in value as they raise my premium! Told this rep that I am done with them and will be finding a new company. Of course she tried the same song and dance of how they'd love to retain my business which I said I won't be their problem anymore! So glad to have searched and found this site. I never had any claims and I now see the hell I would have gone through had I needed to. I'm sure in the month and a half I have to find a new company, it can only get better as I will shop locally and with a reputable (are any?) company! Homesite's low intro?? Buyers BEWARE!! Steer clear of these guys!

I spent $11,500 of my own money after paying my premium for 14+ years without a single claim and this rascal finds every excuse to avoid paying. Mr. ** does not even know to address or write to his customers or even leave a polite message. Homesite acts like they're doing me a favor by paying my claim. The yearly increase in premium must've been to hire useless guys like Mr. **.

I am a CPA and engineer with some knowledge of forensics but cannot comprehend this nonsense neither from an accounting nor an IT perspective. Worst ever, by a mile. Indifferent, arrogant, unintelligent. Advise: Inquire who will be processing your claims. If it's Homesite or Greentree, take your money and run. For now, sue these rascals.

I'm amazed at how bad this company is and how they are willing to issue you insurance but when it comes down to a claim, your house is somehow improperly constructed. Like many others have said, the adjuster just keeps talking in circles and doesn't really listen to your complaint. I escalated my claim and wanted it to be review by a supervisor- I was basically told that it would be submitted for review but the answer is already NO.

I will not be doing business with them and am immediately switching companies once everything is settle. I am really happy with my Geico car insurance, but am very disappointed that Geico would partner with such an awful homeowner's insurance company. BEWARE!

On October 17, my apartment flooded due to a broken toilet water line from the apartment upstairs. The first adjuster I spoke to was very, very nice and very helpful. She was suddenly switched off of my case because "there was a computer error and she was assigned too many cases". Huh? Is this not 2013? I then got the adjuster from hell, absolute hell. Today is 11/15. I have been nickel and dimed out of my reimbursements (I was told that since, according to their records, I refused - which I did not - to go into a hotel with a full kitchen, my nearly $700 in out of pocket food expenses will not be reimbursed. It is expensive in my major city to eat breakfast, lunch and dinner every day).

Further, with regard to the food I just purchased before the flood and which was damaged and inedible due to the conditions in the apartment, I will not be reimbursed for that at all since it was according to this adjuster "could not have been damaged in the flood since it was in boxes". I said to him, "Would you or would you let your kids eat food which has been under these conditions for more than 2 weeks (there were dehumidifiers, plaster and mold on and around food on my countertops and on top of my refrigerator)?" I have photos of everything which I supplied to him. I had to send him an itemized list of all the food which was damaged, when and where I purchased it and how much I paid for it! Then was told at first (1) we can only reimburse you for any amount over what you normally spend in a week and (2) we are not responsible for the food inside of your refrigerator, which I was not able to eat because I was not living in my apartment due to the flood 2 weeks prior!

Then the tune changed to "we cannot reimburse you for any of your food expenses" because according to jackleg adjuster, I refused the hotel with the full kitchen, which by the way is a roach motel. Again, I asked him, "would you want your family to stay there?" I have ALL of my receipts and I have no hesitation whatsoever to take these frauds to court.

Then the fraud adjuster asked me today "have you paid your landlord." I told him no, the money was being put into an escrow account at which time rent will be paid upon settling on an amount and my return to the apartment. I was also told by this jackleg adjuster that the money I would normally spend for rent would need to be "given to the hotel upon checkout". I have never heard of that before. Homesite agreed to put me up in a hotel through the 21st of this month, so where does the rent money upon checkout come from???

The work in my unit has not been completed (will probably be another 2 weeks due to the extent of the damage and needed repairs), but I was told I need to be out of the hotel by 11/21... Where am I supposed to go? This is not my fault - I am caught in the middle between the fraudulent insurance adjuster and my landlord. By the way, the person's apartment who caused the flood? Oh, he's moved out. The jackleg adjuster needs to "verify" everything I tell him either with my landlord or ServPro about the extent of damages, condition of the apartment, what was "really damaged" (his words, not mine), etc. I have provided him with pictures, spreadsheets, everything he has asked for.

Then for a reimbursement? $2,100 total. My 55" Sony TV, Sony Stereo System, mattress/boxspring, TV in the bedroom - $2,100 really? Then he says to ServPro that Homesite would reimburse me for the mattress and not the boxspring - have you ever heard of such a thing? I called him on this and once again I was questioned like a 5 year old liar. "Did the box spring really get damaged?" Well, yes, water has been known to travel through a mattress and through to the boxspring - by the way, the mattress/boxspring was 2 years old and like brand new condition, so there goes $1,000 of the $2,100 Homesite so graciously offered to reimburse me - what a joke.

The remaining $1,100 will not cover a replacement tv of the quality I had (I have replacement value on my policy, by the way). Now that deal with that is as follows. He told me, go out and purchase a new tv, mattress/boxspring, etc and "If you can prove with your receipts that you spent more than the money we are reimbursing you, we will reimburse you up to an additional $683." Now keep in mind, I have not seen a thin dime from these people, they cheated me out of the value of my belongings which were damaged, are not reimbursing me for the food damaged in my apartment or my out of pocket food expenses, not ON TOP OF ALL OF THIS, if I want to replace my things with things like which were damaged (well, yeah, obviously), then "you pay for it and when we feel like it, we will reimburse you". Are...you...kidding...me?

Then, they asked me for my account information to direct deposit my reimbursement of the $2,100 - that was Monday of this week. I called to ask them where the reimbursement was and they said, "Oh, since we did not hear from you after we left you a message, we sent out a check." I was told by the jackleg adjuster the check was cut on the 7th of November. This past Monday was the 11th so (1) you had no intention of direct depositing my reimbursement and (2) how are you going to kick me out of the hotel with no place to stay and no reimbursement, which means I would be sleeping on the floor (the rest of my furniture is in storage 25 miles away - whole other story with ServPro) if I COULD go back to my place.

I am so freakin' frustrated with Homesite. I am filing a formal complaint with the Pennsylvania Department of Insurance -- these frauds need to deal with people honestly and fairly or be shut down permanently, Progressive and the other insurers should be ASHAMED to be affiliated with Homesite. Progressive (or Flo or the Flobot who ever the hell from the commercials) should be honest with their policyholders and inform them upfront their policy is being handled by a third party bunch of frauds.

After calling, I found that the reason for them to cancel my insurance was due to a quote, "tree branch touching the roof and a missing hand rail." While I was on the phone, I went outside of the house and saw the Branch that they were talking about. The only thing that was touching the roof of the house was one single leaf from a twig. In addition, I had installed a new handrail on the house a week after closing. I tried to repeal the cancellation but they said it was already cancelled and that I had to apply for a new policy. Of course, the new policy that I tried to get had a raised rate because there had been a cancellation on my record. I decided to go with a different company and have not had any issues.

1. The roof is a 9 year old roof. We have had several professionals look at it and all say it is fine. We have the original roofing company coming to look at it to ensure that nothing needs to be done, but the roof is good. It is a 20 year roof and should be just fine. The picture shows the roof tiles and it looks fine.

2. There is siding "missing" from around the new bay window we put on in the front of the house. It is clearly new construction that needs to be finished, but is not a sign of neglect or a hazard. The picture clearly shows the new construction wrap and tarpaper.

3. The "debris" was our woodpile, neatly stacked on a pallet and covered with a tarp, 20 feet away from our house to avoid pests. Also 3 pieces of plywood and a bucket with paintbrushes in it from aforementioned new construction. Pictures duly taken.

When we contacted them they agreed that if we addressed the items in question that they would resubmit a new policy, at a higher rate of course. SO imagine my surprise when I see the reports on here with the same "buckling roof" claims. I contacted an insurance agent, sent him the report with the pictures and he didn't see the problem. He submitted my information and the pictures to other companies and was able to get me multiple other policies quoted, surprisingly for about $300 less per year. I thought we were going to have to pay higher rates with this on our record, but the agent said that the report was clearly bogus information and he was able to take care of it for us.

I do believe after reading accounts on this page that this is a common way for Homesite to raise their rates to either non-renew or come up with a reason for cancellation. I will be reporting them to my Insurance Commissioner. I spoke to someone at the office of the commissioner and they said that they will monitor complaints like this to look for patterns in marketing practices.

I called them to see if they would refund any of my payments since this is all new information to me. Of course they refused. I decided that since I have paid $2000 for the past year I'll go ahead and have them look at some damage to my home. Without sending a claim adjuster they told me over the phone that the leaking roof is due to wind damage and there would be a $5700 deductible!!!!! Like everyone else writing about this company, I understood my deductible to be $500.

I am not the only one in my family to experience this. Last month a huge tree fell in my mother's yard against her home but fortunately did not hit the home. Homesite said there would be a $5000 deductible to remove the tree because it was due to wind damage. Again, this was done over the phone. No claim rep. My mother dropped her insurance with them and I should have done the same. But, like I said that was just a month ago.

I will be doing my research to find out how to participate in the class action lawsuit. I hope it's not too late. If so, I will have to get another one started. Based on all these horrible reviews I see I have plenty of company. I don't want to take out my anger on the staff who answers their phones. They are not to blame. It's their management who are collecting huge checks every time they cancel someone's insurance and then write up a new policy at a much higher rate. This is outrageous!! It feels the same as if someone broke into my house and stole $2000. I can't believe they have been getting away with this for so long!!

This should never have happened and I have asked Homesite to refund the overdraft charges. They have to this point refused. I talked to a supervisor who read a transcript by someone else stating that I never asked what I needed to do to make sure the policy is not renewed. This is incorrect and I believe lies on their part to own up to failing to do what was right in June. The rep in June was rude and kept interrupting me until I finally told her to shut and let me finish what I am saying on several occasions.

Today I got another "Cancellation or Refusal to Renew". Seems my roof is lifting and/or buckling. Well, I live in a gated community, and nobody is authorized to be on my property unless I give permission to the security gate to allow entry. Very strange indeed. This company's practices leave a lot to be desired. I will find insurance elsewhere and never again will use them no matter the cost.

I had a very negative experience with Homesite Insurance and with AIG/21st Century Insurance. We had long been customers of AIG getting our homeowners' through them as well as car insurance. We had storm damage on our old house and they paid with no problems. Then when we moved and went to get homeowners' like we always had, they got it for us, at the same price with the same deductible we'd been used to for years.

Last year, 2012, we had damage to our house from two storms that hit within months of each other, causing over $10,000 in damage to our roof and water damage and structural damage to the roof and windows. 21st Century/Homesite claimed the damage done was due to wind damage and then said that wind damage had a deductible of 2% of the value of our home, which made it a lot of money. We said, "This is crazy; we have a $500 deductible," and the company has to cover the $10,000 in damage. But when we went to look at the policy language, hidden in there was a separate deductible for wind damage (not defined) with hidden and obscure language not giving a dollar figure but a 2% of value of the home per some formula that is not disclosed.

The AIG/21st Century agent and adjuster told us nothing about this change in all our prior policy experience with them. We know that others have had this inserted in their coverage without explaining or disclosing that they've done this. So, you think you are getting coverage for storms with a deductible of, say $500, and then the damage happens with these many storms happening last year and it turns out the thousands of dollars in damage is not covered because of this hidden higher deductible that was not disclosed and something we never had before. They did not change the amount of premium and did not tell of this new Homesite product that deprives the consumer of a majority of the bargain because most storms have wind in them. We know that Geico, Progressive, and other major companies are also offering this virtually worthless Homesite product and passing it off as if you are covered for storm damage within your normal deductible, only to find this hidden and deceptive additional higher deductible that consumers are unaware of. This is outrageous fraud!

I have joined a class action against Homesite and AIG/21st Century (and other companies) and their corrupt practices. Something must be done about this outrageous consumer fraud. These insurance companies are making billions off normal middle class consumers like us who are victims of these massive storms in the last two years. We should be compensated for the money we have lost and all they have put us through! If you are interested in joining a class action, email me.

The next month I got my email notification and my bill had gone up in price. Once again I had to call in. I was on the phone for over an hour and a half while the associate was going back and forth between me and her supervisor. She finally reset my payment schedule back to the random day of the month. My payment did go back down but not to what it was. This month, I got my email notification stating that my payment was going to be pulled on the 14th and to edit my payment information to sign in from the link. All it said was my email couldn't be validated. It didn't really make any sense because I got to the website from the link in my email. Once again I had to call. The next representative I spoke to after verifying me let me know that was after hours for such a request. I need to call back during business hours; 8-5 Eastern time. I'm not really sure how that is going to be possible as I live in Oregon unless I call at 5 am. I am now going to miss my first payment in my life because I am not able to give this company my new card number.

Another thing they have is required/mandatory OT due to a poor job in the scheduling department in forecasting call volumes. And to make it more difficult to reach your selling goals, you are required to take backup claims calls without regard to how that may affect your sales quota. In essence, you do the job of two people, getting paid for one, while having any chance of bonusing sabotaged. Lastly, they then decided to dictate what states you are able to take calls in. Despite the fact I joined the company licensed in 48 states, I was routed to take calls in only 22 by the time I left. The company decides what states you get the sales calls from, and blatant favoritism was shown to the 'pet' agents to get the better selling states. The only benefit was the fact that the agents work from home. But in the end, it wasn’t worth it for me. And more and more of my ex-coworkers are jumping ship by a few a week.

After finding a new insurance provider, I notified Homesite by telephone and via certified letter stating that I was not going to renew the policy due to the increased cost; and that I had purchased a homeowner’s insurance from another insurance company. During the months of July, August and September, I received notices from Homesite that the policy had been reinstated. I diligently contacted Homesite each time indicating to them that I had cancelled the policy. Each time, I was assured that the policy was cancelled and that the document I was receiving was a document that is generated for the department that handles cancelled policies. I received five letters and contacted Homesite twice after receiving these letters. I called the day I received the letter and then followed up 48 hours later to make sure the policy had not been reinstated.

Today, I received a letter from Progressive indicating that I had to fill out a home evaluation form to assist Homesite in determining the cost to repair a home. I called Progressive to inform them that we no longer have a policy with Homesite. I was them transferred to Homesite where a woman named Sarah indicated that I do have a policy in effect with Homesite. When asked how this policy was being paid because we are not being billed, nor have we received any documentation indicating we have an active insurance policy with Homesite. I was told that my mortgage escrow account was being billed for the monthly premium. I have homeowners insurance through Liberty Mutual, and my mortgage company is aware that I have this policy and that it was paid in full when the policy was activated. Homesite claims they did not receive the certified letter and that they have no record that the policy was cancelled.

This is the second time Homesite has reinstated a policy after it was cancelled. The first policy was on my first home. I cancelled the policy after making a renewal payment in full 52 days before the annual premium was due. The policy on my first home was cancelled by Homesite because my first home was no longer my primary residence. They then reinstated the policy and gave me 90 days to find a new insurance carrier telling me that I had insurance but no coverage. When asked to clarify, I was told that if I filed a claim, it would be denied. I purchased a new policy for my first house from State Farm within two hours after that phone conversation. I sent a certified letter indicating that I was cancelling my policy and that I wanted a refund for the remainder of the existing year and a full refund of the renewal payment they had already posted to my account for the upcoming year.

Homesite attempted five times to reinstate this policy as they have with the policy on my current home. The difference being that I did not have coverage for my first home, just a piece of paper indicating that I had insurance. Homesite has tried to defraud me on two homeowner’s insurance policies, one of which should have never been in effect. Homesite accepted payments on my first home for a year and a half without informing me that I could not carry homeowner’s insurance on a home I did not reside in.

Upon calling GEICO, I waited for several hours in a few attempts to reach a rep who had the authority to deal with Homesite policies. I never got to one for over a week. On one of the calls, the GEICO rep told me there were 65 Homesite customers on hold before me. Clearly, Homesite is doing something wrong. Rather than wait for Homesite to get back to me (which they never did), I went to my credit card company and cancelled the payment and obtained insurance through another provider. Homesite did not contest the disputed payment and my money was refunded. Clearly, Homesite is trying either to red line policies they don't want by providing horrible service or is simply running a criminal enterprise where they try to get premium payment and then cancel the policy shortly thereafter, trying to make some quick cash.

Imagine I had an actual claim. Do you think they would ever pay? No way! As a result of this experience, my association with Homesite is over and so is my relationship with GEICO. Shame on them for being connected with such a poor and disreputable sham of a company.

I love Progressive Auto Insurance and am saddened that they would affiliate themselves with this unprofessional company. I am quite glad that I've never had to file a claim and warn others to please find another reputable company. Insurance is too important to take these chances.

He stated they found an exception that allows my policy to be voided, and they would be sending me a letter and a bill for the adjuster (who keep in mind was extremely late and per his own words had more important things going on when I pressed him on why he was so late). At 3:30 pm that same Monday, the insurance claim rep called again. He said they have reinstated my policy and claim. A week went by and there was not a single word, even after leaving several messages and sent many emails. Finally, on Monday the 17th, my ins. claim rep called and is now stating again they will not be honoring the policy! This has been a hard enough experience to go through especially this time of year and, even worse, it is winter in MN too. What in the hell did I pay them for? What kind of customer service and/or basic human compassion is this?

Really, when a homeowner is filing a claim such as this for a catastrophic loss, watched their home for 7 years burn to the ground because of no fault of their own as the fire started in another home, and at are the lowest emotional point and they treat you like you are worthless and nothing you are going through matters. I have maintained the policy, paid it in full, never missed an annual payment and never have been late with a payment and this is what they are putting me through. I hope and pray that if and when they ever have to go through this themselves, they are not treated like I have and am being treated. It is truly disgusting and honestly should be illegal for them to conduct business. It is beyond incomprehensible that they are allowed to sell insurance. Insurance is to protect you and help you, not beat you down during your time of need. I cannot afford to hire an attorney but I know I need one.

No attempt by Homesite was made to contact me via email or call that there was a problem. Online billing ensures that I don't miss anything important and I can stay on top of things as I work and travel, plus I receive my mail at my PO box because we live in a rural area and our mailbox at our residence has been stolen on several occasions over the years. I have switched all my accounts to online billing and notification and to ensure that I receive all important account updates. Facts, reason for cancellation and the timeline listed below the story just does not add up! I receive my statements like clockwork online on the 4th of each month. On October 4th, I received, "Your bill is available via email." On October 16th, I made my usual payment online. I received an online confirmation, which I saved. I also received email confirmation notice that my payment was received and would be processed within 24-36 hours. On October 26th, Homesite reversed the payment. This is 10 days later. They stated the reason was that I provided an incorrect account number, yet my routing code and account number on my confirmation and account (last 4 digits) was correct.

I have been paying Homesite with the same account for years. They mailed out a notice via US mail stating non-payment with a cancellation date of Nov. 7th. I did not receive this until after the policy was canceled. I received no notification stating the reversal, asking me to update my payment information or to inform me that the payment was reversed. No attempt was made to contact me (no emails or calls). With the Homesite agent on the call, she asked me to do a 3-way call with my bank representative confirming that no request of payment was made to the bank and that at all time sufficient funds were available. The bank representative confirmed that everything was in order and also sent me a letter stating this for the insurance company. I asked the Homesite agent to send me a confirmation stating that my payment was rejected by my bank because of incorrect account number, but they could not produce this. They sent me via email the payment journal entries to my account and I saw that an EFT (electronic transfer funds), a credit back to my account, was made after the cancellation.

I confronted them asking them, "How is this possible if you said that I did not provide you with the correct account info?" The agent said that they looked it up from my account and pulled it from all my past payments. So why is it that when the payment was submitted the first time, they could not look it up if they had it on file from all my past transaction? This appears as a deliberate attempt to cancel the policy and defraud the insurance subscriber with false information, lack of proper and truthful notification, and reason of non-renewal. Homesite customer service agents sent me to a sales agent to get a new policy, but cannot reinstate because they no longer cover Florida. I never received that notice of this either, but it should not matter because I am a longtime customer of several years and pay my insurance (always on schedule), right? The new sales agent stated that they have one underwriter that can write a policy in Florida, but since I had lapsed in coverage, they cannot help. At no fault of mine was my policy canceled.

I made my payment on time, received confirmation and ten (10) days later, they decided that they could not process the payment and made no reasonable attempt to notify me of this situation. By the time I received the US notification, it is too late. On November 4th, I received no statement. I find this very strange that if my policy was not canceled until the Nov. 7th (by the way, what happened with my online statement that I was supposed to receive on Nov. 4th?). This is highly suspicious. The lack of online billing notification prior to cancellation raises a big red flag! To conclude, I received an EFT credit back to my account on Dec. 5th - in the account that I supposedly provided incorrect information. My homeowners is canceled although I had payment confirmation and a letter from the bank stating funds were available. I cannot be reinstated as they will not admit fault and let's not forget that even if they could, I was told they could not in either case because they no longer write policies in Florida. Furthermore, lapse of coverage does not allow me the ability to get other insurance either.

When I submitted my contents loss, they said they could only verify less than half of what I had submitted. So for my daughter's room, they will only replace her bed and desk but not her dresser or books or toys or clothes. They aren't even replacing the things I lost from the attic. They sent an engineer out to my house and then when I asked about the report, they told me that he said that I had no structural damage. I asked to see the report and they said they hadn't received it yet. I waited a little while and asked again for a copy of the report (4 times actually) and I still haven't received a copy.

My son's room has a window that is cracking on the bottom and top and is out of alignment. They are offering me $20 to remove and replace the window. They think it'll cost $115 to replace the carpet and $22 to replace the padding under the carpet in my daughter's room. The bathroom floor is so bad that I almost fell through it from water damage. They aren't even replacing the subfloor; they just want to put laminate down over it. The hallway is warping and door frames are pulling away from the wall. Cracks are throughout the home and mold is starting on the wood, and I'm allergic to mold There is no mention of mold removal or cleanup. I also have rats in the home now.

The claims rep called me and yelled at me for calling the independent adjuster that they hired and asking him to come back out and look at the floor that I almost fell through. She said I wasn't allowed to contact the adjuster or the engineer. There are many other things that they aren't even considering paying for. They want me to remove the contents, but then they don't include the cost of a storage unit. I have a raised home, but there's no allowance for getting the home leveled. I have replacement cost insurance, and yet they are depreciating what they say they will give us. They put us in a hotel for 12 days after the hurricane and have offered us $25 a day for food allowance (total) - I have a family of 5! Not even on a dollar menu could I feed us every day for that amount.

Now my problem is that Homesite is taking forever to mail me my $1,000+ refund. It's been 28 days since I canceled the policy, four times I've called to find out where the check is, four times someone has given me a different date as to when the check was mailed out to me. My advice to anyone reading this is that you never do business with Homesite and that you compare Geico's rates to others. In closing, it's sure nice to have a local agent, someone I can call and talk to, versus calling Geico/Homesite's 800 number and going through voice tutorial hell for 30 minutes or more.

Now, I'm scrambling around trying to find another insurance company to acquire a policy with. The only reason I purchased this policy is I have had Progressive auto insurance for 13+ years. I will be canceling my auto policy with them. In the 13 years that I have had Progressive insurance, I have always paid my premiums and never filed a claim, which I believe should make me a valued customer. This is terrible and no way to conduct business. As soon as I sort this mess out, I will file a formal claim against Homesite with the Better Business Bureau in my area, as well as the Maine State Bureau of Insurance.

Are you kidding me? How are you supposed to do that when the calendar has every single weekend blacked out so you can't take it off? And we won't even get into the fact that seniority does not mean anything here. If you have a few days off one month or have a bad month and don't produce sales, you lose your ranking and can end up with some crazy schedule because you're human and can't always sell everyone you talk to a policy. And if you believe for one second you might hear something positive from the so-called Sales Manager, did I mention her name (Suzanne **), you're dreaming. This woman does nothing positive at all. You never hear from her unless she wants you to do her bidding and work some more mandatory overtime to help kiss ** to Progressive.

She is a joke and so is the entire so-called management staff. The so-called supervisors are all people that come from Customer Service and don't have a clue how to sell anything, let alone manage a group of people. Let me keep going. There is so much for me to cover, I might run out of room. Ask any employee what happens if they happen to wake up sick and can't come to work. Here, let me share with you what happens. You get written up. Yep, I said they write you up. For me, sick no matter what, you ask, "What if I have available time off?" Yes, you still get written up. So unless you have some way to look into your crystal ball and foresee yourself being sick and request that day off, you will be written up. Wait, there's more. If you don't sell over 2000 dollars a day for a whole month, they write you up also and then fire you after it happens 3 times. This is all true stuff. I am making none of it up, and if you call out 6 or more times, they write you up and terminate you as well.

No matter how bad you need a job or a policy for that matter, stay away from this place. They have no regard for you as an employee. Management just hides and does not get involved and they just pass the blame from one person to the next. You have to have some compassion for people who work for you and listen to what they are saying.

When you call them on the phone, they would not answer or respond to your messages time after time. They must be real busy with their coffee and donut time. They do not take care of their customers and are not pleasant at all. I have never filed a clam on my home in 40 years, so that's a lot of money for them to play with. Now they don't want to pay. I am very dissatisfied with this insurance company. Hopefully, I can get the repairs done and have my home back to the way it was, out of my own pocket.

As of today, I have no idea where my claim stands, whether my hard copies got to them through the mail, whether my items are covered or when I'm getting reimbursed. There's nothing quite like being ignored for a month after all your valuables were stolen. Absolute worst customer service imaginable.

In reading policy cancellation form, it seems there were three items the insurance company felt were so overwhelmingly serious they opted to outright cancel the policy. The three items were, a lack of a hand rail on my front steps, tree limbs overhanging the house and a downed branch that had fallen on the roof. That branch was approximately 2.5 feet long and about 3 inches in diameter and had fallen just days earlier in a wind storm. What really amazes me is that someone, probably in lower level management, at Progressive made a business decision, based on those 3 absolutely horrible issues to cancel the policy instead of sending a letter to me which could have simply read, “We at Progressive value your business as a customer but in our recent inspection of your house some issues were raised and they have to be addressed within the next 30 days if you would like your homeowners policy to remain in effect.” This would have been followed by the steps to be taken after the issue corrections to continue the policy, such as a call to a number and request a re-inspection.

No, not Progressive, who with all their advertising attempting to raise new business seems to have a policy that makes no business sense, and places no value at all on existing customers. The question is at what managerial level was this business philosophy created? Why does Progressive feel it’s better to drop an existing customer rather than give them the opportunity to correct any defects and retain the policy (and Progressive continue to collect the premiums)? The three issues that were so overwhelmingly terrible to cause the cancellation of my policy, have all been simply addressed, the tree branch on the roof slid off, the missing handrails installed by my carpenter and the overhanging tree branches being removed by a tree service. And in spite of these now non-issues, in a call to Progressive however, I was informed the policy could not be continued and I would have to re-apply and be re-quoted.

After being treated this way, as long as I have to start from scratch, I’ll go with another company and since they all offer discounts for insuring home and auto. I’ll pull my car insurance from Progressive as well. I’m sure the loss of the $1,600 premiums is less than a drop in the bucket for Progressive; however as the owner/broker of a real estate firm, I’m frequently asked for recommendations for attorneys, home inspectors and insurance companies from home buyers. I’ll be sure to advise them to avoid Progressive which should hopefully keep a few more drops out of their bucket.

I put in a claim. From the beginning, I got the runaround from Homesite. The initial adjustor said the damage was less than my deductible. Note I had a For Sale sign on the house and I am a senior citizen. I refused and a second adjustor came and my contractor pointed out the damage. The second offer came in for $2,000. I had over $5000 in damage. The insurance company's estimate did not include the roof, labor or removal of debris. Homesite said it was ice damage. It was snow damage.

In order to sell my house, I had to pay over $5,000 out of pocket (more damage was found when the roof was removed). Homesite has yet to pay a penny. The case is constantly transferred from adjustor to adjustor. I have hired an attorney and have made a complaint to Connecticut's Insurance Department. Don't buy Progressive Insurance's homeowner's insurance. You may get a discount, but the company will not pay when you need them. In other words, you are not covered.

Two weeks later, about a month into my new homeowner’s policy, HomeSite sent me a letter stating that my homeowner’s policy was canceled. The stated reason: a corroded hot water tank and a damaged side entry door. Because my hot water tank is practically new (2 1/2 years old) and because I have no side entry door, I was sure this had to be an error. More annoying is that there was no phone number on the notice at which to contact HomeSite. When I found a number to call Progressive, the representative had to investigate. A day later told me the cancellation was based on photographs taken by a home inspector that had visited my home. The fact is that the so-called "corroded" hot water tank was simply rust on a copper fitting above the tank - not the tank itself. This incidentally was a sacrificial anode that is intended to collect corrosion to prevent it from happening to the tank itself, but the person reviewing the photos did not seem to understand this.

The so-called "rotted" door was actually a steel door in perfectly secure condition other than peeling paint that did not adhere to the galvanized steel finish on the door. Although neither of these issues present any imminent risk of loss to an insurer, they summarily canceled the policy on my $400K valued home. And they did so without giving me any prior notice such as a message that says, "We need you to address these issues in order to stay insured, etc." They just canceled without any prior opportunity to mitigate the "deficiencies" on my part. What a crock of crap! I am truly incensed with this company. God forbid I had a claim with them! I would love to review records of some of their other insured to prove they are not enforcing such totally ridiculous underwriting standards equally across their base of clients.

When I contacted Geico (Homesite's representative) by telephone today (6/4/2012), I was told that Homesite didn't have a record of my letter and had not cancelled my policy as I requested nor had they refunded the money to my escrow account. When I asked how quickly it would be refunded, I was told "10 business days from today". They would not expedite my claim even though they had mishandled the receipt and processing of my written request. What assurance do I have that they will handle it correctly this time when all I have is my word against theirs?

Made up of losers who walked from AAA and Liberty Mutual, the company is run by a group of rah rah prep boys who couldn't care less about insurance, with a national sales manager who comports herself like an Avon lady without the backbone of a lipstick (her only insurance experience is with Homesite). The company rewards young and dumb, so if you fit the bill, apply and they will let you go to town selling crap on the phone.

The company has come under scrutiny for reneging on salary and benefit promises including lack of 401(k) access and hourly pay. Agents are paid to work out of their homes so, yes, sports fans, you truly are hearing a baby in the background when you call. Totally unprofessional and disgusting representations in a regulated industry. The company is currently making a name for itself with Progressive, which is hard up for a cheap partner to write homeowners with auto. The company has a history of refusing to pay claims alleging homeowners can't prove ownership. You will need your receipts for everything - from your underpants to the food in your fridge - with this company.

So I called and talked to my claims adjuster and was told this non-recoverable amount was based on the age of my roof and this was part of my policy and then gave me the number to customer service to talk to an agent. So I called this number and apparently, this was an amendment to the original policy that I signed up for and the changes were made last year. So, if the house had been hit last spring, I would have gotten the $1,500 in addition to what I'm getting paid out today.

What's crazy about the whole thing is that there was no option of opting out of it and getting a different and slightly higher premium policy. This was just letting me know how they were going to screw me over in the event of a future windstorm or hail that caused damages to my roof. So now, my goal is to find the cheapest possible option just so I don't incur a great deal of out of pocket expenses instead of getting a quality shingle with a highly reputable contractor. I am almost hoping that I get another hail storm within ten years just to stick it to them next time. But maybe by that time, they'll change the policy again.

It seems that I will never be finished with her. She won't admit that she can't find the exact replacement necklace and bracelet for me but she continues to send me pictures of nothing close to what I lost or shipping via FedEx sample pieces not even close. This is a nightmare that seems like it will never end. They should settle and allow me to shop for it in the city I live in so we can get this case closed.

Yvonne decided that we had filed a "fraudulent" claim. In the example of why she thought this was fraudulent, it was noted that we had given her the wrong receipts and that I had claimed my glasses as stolen when in fact it was my daughter's glasses involved. She therefore claimed that I was fraudulently claiming items that were stolen.

Yvonne, I don't wear glasses! The only person in our family who wears glasses is my daughter. Just because the insurance is through my work and in my name with my daughter as a named dependent, it does not mean that these glasses were mine and I had lied to report these as my daughter's. And just because we are trying to scramble and find original receipts like you demanded (or a power cord) and gave you a wrong receipt, this is not fraud.

I again complained to Homesite. This was our 2nd complaint about Yvonne. The first involving her total lack of service, her failure to return calls, and her failure to complete the claim by the date she had promised in writing. Guess whom Homesite had have review the 2nd complaint? Good old Yvonne and her lazy supervisor. This time she not only falsely claimed I had made a fraudulent claim, she threatened me and said she was going to the district attorney.

Oh my god. This lady is nuts! Do not complain about her. She will get even by making these threats to you and cancelling your claim. So we never got reimbursed for the glasses or other items stolen. I complained to our state insurance commissioner. They said they couldn't do anything since Yvonne claimed we put in a fraudulent claim. I'm boiling mad!

My cell phone and home phone records will indicate, I did return calls to Mr. ** timely fashion on his every attempt. However, Mr. **, sent to me on a weekly basis, at least three letters stating his intent to close my claim for my lack of interest in the matter. He had told his supervisors of this problem of communication, phone records, like I said, will prove that Mr. ** is not telling the truth about his attempts of contact and lack of interest. Our phone contact was frequent and my responses to Mr. ** request were timely. As he requested receipts from a waterbed, purchased over ten years ago.

After inquiring to his supervisors, as to the exact qualifications of such an inspector and the procedural advice on locating a person with such credentials, an adjuster called me soon after and arranged to meet me to audit the loss and vandalism claim.

Mr. ** supervisor, stated to me that she spoke with my son, current resident of my home. She stated that my son contradicted my statements given to Mr. ** and that my bed was not in fact my bed. I waited 1 hour past the adjusters scheduled appointment with me. To accommodate him, out of respect and I desire of closure, I waited for the adjuster to arrive. An enormous inconvenience since I had errands and tasks complete before the close of business that day. The adjuster finally arrived, without identifying themselves, entered my home. Another man started taking pictures of various damages to the house, walls, cupboards, including property damage that was not part of the claim. I found that to be highly inappropriate and very invasive of my privacy rights since the damaged doors had no bearing on the claim.

would be returned to me in a few days after the adjuster had copied them. I reluctantly gave them to him, as I thought it was a procedural process for a claim. The two men stood over me while I signed some formal documents, they stated they were part of the claims procedure.

Days went by with no word and no sight of my receipts. I called Zachary ** and asked about the return of my receipts. I spoke to his supervisor and expressed my displeasure with Mr. ** demeanor towards me and with their procedure handling my claim. I received most of the receipts in three days following that phone call. Several receipts were not returned. I called Zachary ** immediately to inform him of the missing receipts. Mr. ** scolded me for giving the adjuster the receipts. Mr. ** informed me that the adjuster had no authority to request the receipts and that I was at fault for giving the receipts to the adjuster because he was a contracted third party and not an actual employee of Homesite. I had no response for his reaction. Mr. ** shamed me and intimidated me, inferring that I was just plain stupid.

I assumed that he was there representing Homesite Insurance Underwriters. I did not know the procedure for Homesite, nor did I realize that the adjuster was an independent contractor simply acting on behalf of Homesite. Had I known that he was going to take my belongings and not return them, I wouldn't be writing this letter right now.

After all of this commotion, Mr. ** still requested an inventory of my loss, which I assumed was the reason behind the adjusters evaluation. However, I needed to complete a list as well. I did so and submitted it. Mr. ** then calls me on my cell phone at school and asks me to restate the listing of the items on line three of the inventory list which I had mailed about a week prior. I told him that I did not remember and was not in a position to answer or verify any questions about the inventory list until I could see it. He insisted on my knowledge of the items on the list even though I had no idea, being that, I did not have a viewable copy to refer to. Mr. ** e-mailed me a copy and I promptly answered his question regarding line three, a Sony Cyber Shot Camera. He then called me the following day stating that the entire list needed to be restated to him. He stated that my handwriting was illegible. I then told Mr. ** to simply communicate with me only by mail, as I don't always have access to a computer or a printer since mine was damaged and/or stolen.

About a week passes and I receive a letter in the mail from Mr. **, a letter of determination, stating that three items on the list were not going to be covered because I could not prove ownership. He obviously found a way to decipher my handwriting without me having to type it out for him. Again, it appeared that Mr. ** was deliberately inconveniencing me and controlling me with his position of power over me, due to the fact that he was handling my claim the way he saw fit. Mr. ** insisted on proving his authority over this claim as proven by his continual threat on closing the claim. Is that not a form of sexual harassment? An attempt of intimidation and empowerment?

Enclosed, you will find a copy of the letter Mr. ** sent to me identifying that a receipt is proof of ownership. I gave the receipts to the adjuster who did not return all of my receipts to me. The adjuster even took photos of the smashed Gateway Computer tower, conveniently, one of the receipts not returned to me. The other receipts given to the adjuster had printed on the itemized receipt, X 360. Again, a receipt not returned to me. Yet, I cannot prove ownership with a photo, since the game was stolen. Lastly, a Sony Cyber Shot Camera, again, a receipt not returned to me and that receipt clearly stated the item purchased was a Sony Cyber Shot.

Now, quite honestly, I cannot remember the cost of the items I am referring to, due to the medication I am prescribed for Post Traumatic Stress Disorder. The medication affects my memory. So, like the insurance company, I too have to refer to the receipts of the items missing. I expect that more items were taken, I just cannot recall due to lost, misplaced or receipts not returned to me. I can however, return to Best Buy, where many of the items were purchased and they can pull records under my husband's name regarding the two of the transactions in question. The receipts are on file there. Again, another attempt by Mr. ** to inconvenience me, taking up time and gas for a 25 mile trip into town for copies of receipts which I already once provided to the adjuster. Mr. ** from the offset, was confrontational with me, but not so with my husband. I assumed he simply had a disdain for women or did he just feel the need to show his muscle with me?. When he told me I had to have a certified waterbed inspector, I thought that was just over the top.

Now, after having a conversation with my husband today, March 22, 2012, Mr. ** informs us that he has no inventory list from the hired adjuster. Then please inform me the purpose of the adjusters visit to my home. Was the adjuster sent there and arrived late only to inconvenience me again? Mr. ** state that he has no copies of the receipts given to the adjuster, and has no itemized list of the depreciation of my items for settlement. As far as I am concerned, this claim must stay open until the receipts taken by their Homesite representative are returned to me.

I feel like I am being victimized again. Homesite and particularly Mr. **, seemed to consistently and intentionally want me to be made a fool. I have been disrespected and mistreated and insulted from the offset by Mr. **, with no regards for my loss or personal humiliation. I feel that now, Homesite and their representatives have stolen my receipts to portray me as dishonest and fraudulent. So, I ask you when does this humiliation and insult to my character and my personal abilities, from communication to handwriting, end? I would like my receipts returned to me. As far as proof of ownership of the particular item, a Gateway Computer, the adjusters took photos of the damaged tower. Thus, proving that I do own such a computer.

Enclosed, are copies of the receipts returned to me, a copy of my inventory list in my handwriting, a copy of the letter of determination and a copy of the letter from Homesite, stating what type of proof is accepted to process a claim. I did not even attempt to claim the numerous DVDs, Cds or Blu-ray movies stolen due to the lack of receipts. There were over 50 items of current title in my movie collection. I would like to see justice and closure to an already awful experience. I believe I have suffered enough loss. This experience over the last several weeks has caused an extraordinary amount of stress, anxiety and traumatized. I feel distraught and taken advantage of in an unfamiliar arena. I feel that is necessary for me to return to therapy and possibly a medication adjustment over this entire humiliating process from Mr. **. I cannot begin to express how overwhelmed and affronted I feel from Mr. ** treatment toward me and my entire situation.

We filed a BBB complaint and they continue to lie. The rep we dealt with, Ruby **, told horrible lies and would not return phone calls until we demanded a supervisor contact us. Do you think Progressive has even attempted to help either? No. We should have done our homework and read up on all of these complaints on these companies because it's awful! I will make sure I spread the word. However, they are now telling us if we want to go any further, we have to pay for arbitration. This is ridiculous! We paid for a policy to protect us and they are not honoring the service and plan we paid for.

In the past, I've had to deal with insurance companies in the claims process on two occasions. This involved damage as a result of Hurricane Andrew and tornadoes that hit the North Georgia area in 2006. The coverage I had on those occasions was with two different insurance companies other than Progressive. I must state the claims process went extremely well in the other two occasions and my experience with progressive has been disastrous, to say the least.

I believe I have been extremely patient and if I do not hear anything within the next 30 days, I intend to file a complaint with the insurance commissioner's office for the State of Georgia. Furthermore, I am in the process of developing a website on Facebook and other social media forms to warn people about the lack of responsiveness by Homesite. I personally view Progressive Insurance and Homesite claims processing as a disadvantage.

After reading customer complaints, I'm glad to learn that they are very difficult to deal with. I will find another insurance company, cancel my car other house policies with Homesite, and file a complaint with 'the Commissioner of Insurance in the State of MA. If everyone has had an experience like this, file a complaint with the Commissioner of Insurance in the state where the insurance company is licensed, and things will change. It worked for me once before, with another insurance company who was doing me wrong. Good luck to all of you who are dealing with greed.

If these were actual problems, there isn't a single house on the street that can actually be insured. I didn't even bother calling Homesite after the headaches of getting a hold of them the first time and I am now working to find a different insurance company. The only bright side to this is that I now know that I am not alone in this nightmare and that others are going through it as well.

They gave me only about a week and a half notice to find new insurance, which I did. I also have to come up with another year's worth of insurance while I wait for Homesite to refund me. Let's see how long that takes. The new insurance company said that Homesite's claims were ridiculous and that the trees I have should not cause any insurance problems. Judging by others complaints, this seems to be a common theme for this company. Everybody, avoid this company if at all possible.

There was a little dusting of snow when we looked at the roof but when we think of curling, we think of actual curling that is noticeable even with a tiny bit of snow. From what I've read online, glue and adhesives cannot be used properly when the ambient temperature is below 50 degrees. The average temperature in Iowa during January and February is well below 50 degrees Fahrenheit. I knew it was too good to be true. As soon as this is settled, we are switching companies. I wish I knew about this site beforehand.

We are deeply regretting the fact that we left State Farm, who, as I stated, never increased our premium in 6 years, with full replacement coverage on home and personal property. At this point, I am not only considering cancelling this policy and switching back to State Farm, but also filing formal complaints with several agencies.

The customer service has been absolutely horrible. The e-mails I have sent through the contact us form on the website have been ignored. The e-mail sent by the assistant to Progressive Auto Insurance CEO, Glen Renwick, was not returned.

I would like the home value to either be lowered to the $383,000 that the tax assessor states the property is valued at, or the $440,000 that Progressive/Homesite used on the last policy. I feel that it is simply being increased to collect more premium from the Insured, with no basis for raising the values. I guarantee that my home has not gone up in value an additional $22,000 in the past twelve months. It has gone down.

I will be filing formal complaints with the Department of Insurance, BBB, Consumer Affairs and letting all my friends and family know that Homesite is no longer an insurance company that I recommend.

That's it. I spent a few hours on the internet shopping around for other homeowners insurance, and I found it cheaper for the same coverage. Thanks State Farm! These Homesite underwriter folks just want to continue to insult a person's intelligence and think I will continue to be raped like that! No!

I guess I'm on my own dime for labor. I called back and asked for a re-inspection. There's no return call. I called back again, but nothing. After 2 months of voice mails, I finally get to talk to my desk adjuster, Jim **. I am informed that he was under the impression someone else was handling my re-inspection request. Finally, I got the re-inspection set up, and they said they can pay to patch the rear roof which will void the 30-year warranty of the shingles already on the roof.

I'll keep fighting until they fix what needs to be fixed. But I wouldn't wish this insurance company on anyone. The best part of all of this is my insurance rate almost doubles for the coming year, because home prices in my area are on the rise. They aren't; there are no homes selling in my area. How can prices be rising?

2011 - Coverage A Dwelling - $276k

2011 - Coverage B Other - $27k

2011 - Coverage C Personal - $138k

2011 - Coverage D Loss of Use - $55k

I have attempted to unsuccessfully contact someone to get my limits lowered back to the original limits. My premium has gone up ridiculously each year. 2009 - $388, 2010 - $615 and 2011 - $857. As per homeinsurance.com's dwelling calculator, even in 2009 I had well over the recommended dwelling coverage, yet each year my coverage goes up. I haven't made any claims on my home and the only updates I have made to my home were adding a fence and a small deck. It simply makes no sense to me. The main problem is you have no control over your own policy and limits. You are at the mercy of whichever they decide for you. When you try to contact them, you get put on hold for hours at a time. I'm planning on switching over to one that cares about the customer.

Five o'clock pm came on Friday and still no call back from Susan **. I then called 888-827-3183 to see if someone could please help us. The lady on the line stated to me, "I am sorry but it is after hours so there is no one that can help you until Monday." I stated to her, "You mean to tell me you have no one 24 hours that can help out with this?" She stated, "Well, I can email the emergency response team for you and they should be notifying you within 2 hours." I said that would be great. Phone call was then ended.

I called this same number on Saturday 11/12/11 at 5:40 pm and spoke with a lady by the name of Shay to explain the whole thing all over again, so 24 hours later and no call back from no one. We thought this is what we have insurance for? So earlier today, Saturday 11/12/11, Pete and I thought we need to eat so the first time in our married life we had to go to the grocery store and actually write a check that we didn't have money in our account for. So due to this poor insurance company, we are going to have a bounced check in the amount of $522.53 along with bank fees and we won't be able to write a check for groceries again due to a poor insurance company.

We understand there are other families with no homes due to fire, weather, etc. but this is no excuse! Susan *** or someone should be taking care of their customers. We have purchased the higher end of insurance regards to personal property and replacement coverage for our home owners policy because a person doesn't know when they are going to need it and now we need it and can't use it for "food!" In regards to Serv pro, we could not ask for better. They are doing an awesome job and if it wasn't for Kelly ** we probably wouldn't have had a place to stay because no one from Homesite would return any phone calls! This is just a brief summary of what is going on.

I have emailed, called multiple times, left many messages, and been told, "Your adjuster is on another line, she will call you as soon as she hangs up." That last comment was 3 days ago. I guess it's a long call. I will not renew this policy and go back to Amica. The service is spectacular. Judging by these other comments, maybe I should just get the repairs done and not expect anything from them.

The adjustments was grossly under-estimated (Roof-Works of Brandy-wine, Md -$9,872.00 & The Home Depot in Oxon Hill, Md -13,138.00 gave me inspections plus estimates). Not sure what you can or cannot do, but I took all of the necessary steps, received honest assessments/estimates from formidable Roofing Companies only to be jilted by Homesite Insurance Company. Thanks for listening. Please respond. Be objective and fair. God bless.

In May (exactly a month to the day after the tornado), my area experienced a significant damaging hail storm. We're talking softball size and high winds. Again I contacted them. Same deal. Messages, emails,photos, more messages. Letters from several different claims people. Finally they contacted me in June and some clown of an adjuster comes out from an independent agency. I tried to separate the two claims damages as instructed, walked him through, pointed everything out, provided more copies of photos of the damage from April. I even accommodated them to let a structural engineer in as there was some structural damage as the result of the huge tree laying on my house.

Well when I finally received the check, they had it under the wrong claim, they missed over half of the damage. I tried to contact them, finally I sent an email. I was told bluntly hey, tough **, that's all you're getting. They paid it under the wrong claim number and oh, by the way, you can't have a copy of the structural inspection. I have been trying since July to get in touch with them. Several phone calls, emails...you name it...no response. I even forwarded them the additional information they had requested for estimates on damages missed: additional charges, prior to starting work.etc. Last emails and phone calls were this morning. As of this date, still no response. This has left a really bad taste in my mouth as this is the first time ever I've had to file a claim let alone have two major things happen within a month.

I'm several thousand dollars short of what it will take to repair everything according to various contractors. I can at least fix part of my roof but hey, tough...windows are still gaping open, the doors are still damaged, no gutters, insulation, still have worries about structural issues as crack in basement wall just keeps getting larger, larger. And yes, we've already had our first snowfall of the year. And on top of all this crap, they raised my premium! I would not recommend this company if they were the last ones on earth! My next step is to contact the state insurance commission and see if they can do anything or at least warn others about these idiots.

I definitely feel that this company is extremely negligent and a class action lawsuit would be the next step on moving forward to ensure that we all get the money we deserve!

Homesite is not a good company at all and I will advise everyone not to buy insurance from them. It's very difficult to communicate with their claim advisers and there is always an automated message suggesting that calls will be returned in 48 hours due to increased number of claims. Furthermore, their adjusters will just deny your claims or not process your claims completely. At present, I am looking to switch to some other reputed company to avoid any frustration.

I complained about this company before. The next day after filing a grievance with you as the insurance commissar, the insurance company finally gave me part of the claim approximately 2200.00. After that I submitted receipts to get the depreciation amounts back. Since I didn’t have much money, I had to buy my tools (loss) incrementally. Seeing how much trouble Homesite has given before, I wanted to make sure there were no mix-ups. I purchased the items on the depreciation list individually, one receipt for each item. I then wrote one of the receipts the number of the list of items. Also, I wrote all the info down like the item number, description and cost. I mostly just wanted there to be no confusion or any reason for delays as I had in the past. Anyway I sent all this info to Linette **, my claims helper. I emailed it to her, and with my claims totaling to 524.41. I said, "Please deposit this to the following account: routing no. **, account no. **, Metabank checking. I would ask to get a call to confirm you have received the 17 receipts, but pretty sure that won’t happen. There will be more receipts coming to you in the near future. Thank you very much."

The next day, I finally got a call, two calls with voicemail from Linette. She wanted me to contact her. I was driving back to Iowa at the time. I pulled over in a safe gravel parking lot and called her. I’m pretty certain the first 2 or 3 minutes of that call was Linette ‘going off’ on me. Now this is not just unprofessional, and rude she was getting personal with me about the claim. She told me my email was rude and unprofessional. She tried turning everything around on me. Blaming me, like it was my fault that the claim was taking months to resolve. I thought she snapped. Really. After the tirade, I calmly asked her if she was done yelling. I told her simply, calmly that she had been about the worst ‘customer service’ person I had ever dealt with. I said I was done dealing with her. I requested someone else to handle the claim. She told me no. No one else is going to take care of the claim. She wouldn’t let me talk with a supervisor. She said she did everything perfectly pretty much. I had to explain to her she was wrong. That I did have a month or so before I sent in the papers. After that it's been a total unholy nightmare for me. It’s like a full time job. I reminded her that I had mailed the papers using registered mail, I have the receipts.

Homesite ‘lost’ my papers for about two and a half weeks. You see, I sent the claims paperwork along with a very standard widely used ‘SD CARD’ with the pictures of the tools and whatever. I waited two weeks, then I called her. She said she can’t use the card. There is no way to insert the card into her computer. So much for trying to be helpful, whatever. Because she could not or would not use the SD card, I emailed her the same photos. But I had to call in. She made no effort to contact me about it. Then she said she got the papers and the photos, she said it would be some time before she could get to it.

About a month and half later, she called explaining some details. Another month finally got a portion of the claim. About 2200.00. She explained how I could recoup the rest that was in depreciation. Great, I think we're finally getting somewhere. That was about the time I filed the first complaint with the insurance commissioner.

Two weeks or has gone by and I emailed her the first set of receipts. She goes off on me as I said. She was going to take care of it. She said she would fund my bank account the money for the 17 receipts. She was mad but she did what she said. I got the money in 2 or 3 days. Then I go through the process again. Buying tools, individual receipts, making it super easy for them to confirm. And I even got a voicemail from Linette saying she would get to it quickly.

That was September 19th, again, no response. Last Friday I was told it was being ‘handled’ by her and her supervisor. I wondered how it’s being handled. I once again called and called. Got a voicemail from her stating that the claim will be done ‘sometime’ and I wrote the following email: "Thank you very much for calling back and leaving the voicemail. I understand you must be super busy. I am a little surprised at the time it has taken for this 2nd batch of receipts since the 1st was handled in what seemed like just 2 or 3 days. Like I said before, I don't want to be a symbol of difficulty, and I can certainly understand that having extra phone calls to return may only add to the time to resolve and further add to any stress on your part. I think we both feel the sooner this claim is completed, it will be the best for all of us. Thanks again for your time."

That was 8 days ago, 11/28/11. Nothing in response. The claim is from April!

I think that Homesite is trying to delay things past the 6 month mark. I respect your time and involvement with this situation. I have been put through the ringer on this one. And Linette is supposed to be on my side, right? I'm not fighting tooth and nail to get this ** thing resolved. I am a very patient person. But I see the end of my rope coming. I’m not sure what you all can do as insurance commissioner, but I’m at my last resort.

From April 16 to today, I have phone records and certified mail receipts showing the hundreds of times I have called. If you can do anything to help get this claim wrapped up, well, you would be my hero. From now on I guess I will have to record all my calls with Homesite. If I could have my wish, I would like to have anybody else to deal with this other than Linette. And I would like to just get this over with. Have Homesite credit my bank account and I will get the remainder of the items on the list, submit the receipts, get the money back again and just be done with this. It’s not that hard. But really I do feel Homesite is in the spirit of dragging their feet as much as possible. Maybe others are having the same difficulty as me. Maybe there should be a class action lawsuit or the like. I don’t know.

Pease handle this fast. I’m just an ordinary guy who wants his tools back. Thanks for your help.

They are adamant they will not reinstate since it has been over 30 days in cancellation status. They will not rewrite at this time either. They told me I must use a 'high risk' company now, because I have been without homeowners insurance. They nor the bank on this call can tell me why the payment I authorized and was told I was all set did not go through. There is definitely adequate supply of money in the escrow account to cover this payment. Also, had I been informed that there was yet another problem with the payment, I would have paid out of pocket to ensure that I was all set. And at this point, no one can find the notes on the 7/12/2011 phone call in the system as to what may have happened. I got through to a supervisor. They told me Homesite has agreed at this point to rewrite a policy, but the quote may be different if the rates changed.

I worked with Homesite agent. Now, my rate has gone up over $300 from the one I got 5 months ago. Not only that, but my coverage went from needing $273,000 to $351,000 on the same exact home. There are no changes. Later in the conversation, I had 2 entirely different representatives from GEICO and Homesite on the call. And apparently, notes appeared from the 7/12/2011 call that state the policyholder (me) did not authorize the bank to make the payment. At this point, I am also asking for an explanation on why I need so much more coverage all of a sudden. No one could accurately tell me a reason for this. So now, the GEICO agent stated that the notes from earlier on in this call state that Homesite did not agree to rewrite the policy, which was totally not true. If that were the case, why did I go through with an agent earlier to give all the information again and get the quote? Also, I was arguing that I still have yet to receive a cancellation notice from Homesite. And to make matters worse, I had continued to receive correspondence from them. It stated that they are here for me in case I need them due to hurricane Irene affecting my area.

My argument was based on the 7/12/2011 phone call. I was told the payment was going and I was all set, with no additional notices of cancellation and receiving correspondences, making it appear I had a policy and coverage. Why would I have thought I had no policy in effect? This is a horrible company. Everyone you talk to has a different story. And the notes that were not there an hour ago suddenly appeared or changed. They told me they would look into it all more and call me back first thing the next day. That didn't happen either. Also, they want $120 from me for coverage between April 18, 2011 and July 17, 2011. I don't even want to pay this since who knows if I had coverage, and this is how I got treated.

I spent over 3 hours on the phone with them trying to straighten out an honest misunderstanding apparently. And they could have cared less. They treated me like dirt, lied to me, tried to scare me into thinking no one will give me coverage except their high risk company, etc. I will never, ever do business again with Homesite (or GEICO). And I have already switched any insurances over to another, more reputable company. Homesite needs better customer service and should be there for their customers, which they are not definitely. I have had other insurances that I may have paid more. Even though they may not have been required by law to tell me anything else, after 7/12/2011 conversation, they should have called to tell me where I stood.

Weeks went by without hearing anything. I called the adjuster and was told that he already submitted the appraisal. But when I called Homesite, they told me that they never received it. I called back the adjuster and he told me that he will contact Homesite himself. In the time that passed, I got an allergic reaction on my entire face of hives. I missed a day of work because of this. I went to work with the hives for about three days. When I complained and cried about the home being uninhabitable (as stated by more than one potential contractor), we were put in a hotel. Then, they contacted Servpro and they started the process of toxic mold and mildew removal. They did a great job. Unfortunately, this should have been done when I filed the claim or upon the adjuster's visit.

I have had another reaction by just being in the basement for less than half an hour. This time, I dealt with another adjuster who was sent back for another assessment. Shortly after, he left Homesite Insurance. I heard nothing for two weeks and when I contacted him, I got an email stating that he left the company. When I got in contact with Homesite, they advised me that I had a new adjuster and they gave me her name and number.

When I talked to her, I knew immediately that she was a cold and heartless woman. I tried to speak to her about how much I wanted to be back in my home. She stated, "Well you can go back to your home." Did this woman just say that? I had allergic reactions in the home, yet she wanted me to go back to my home. Well, my home had no toilet at the time. I have had two allergic reactions from the toxic mold and tried not to scratch the itches. The house had been gutted and the sub-floors were removed due to the length of time and the extent of the mold going through the them. Everything in the home smell of mold and mildew as soon as anyone walked in the front or back door. The home was uninhabitable.

We can't secure a place to live until the claim is settled. Dawn's voice mail greeting states that if the call is received before 3:00 pm, she will return the call the same day. Yet I have never gotten a return call.

After almost four months, Homesite agreed and sent a different adjustor. He came out and I had my contractor there with him to show all the damage. The new adjustor said that he just came to take pictures and send them to Homesite. Once I found this out, I have been calling them since. I once got a hold of a supervisor and he flat out lied to me stating that there was an agreement made between the adjustor and my contractor and they are just finalizing the paperwork. This is totally untrue. They won’t answer the phones and return messages or emails. I have had a tarp on my roof since April. It is now August and they are not doing a thing.

When Yvonne finally called me back, she told me that an inspector would call me within 24 hours to set up an initial appointment and to call her back if I did not hear from him by the following afternoon. In addition, she told me to try fixing the damage on my roof by applying a patch or putting a tarp over my roof. I did not receive a call from the inspector today so I called Yvonne back to let her know and to express my concerns about repairing my roof before it was inspected. She did not answer her phone so l left a message.

Since I had experienced so much trouble just trying to find out whether the damage caused by the heavy rains was covered by my insurance, I decided that I would try calling her supervisor. But since I did not have his direct line, I had to call the number to report a claim and select option 3. Rebecca ** (when I asked what her last name was, she reluctantly replied that it was **) answered and when I asked for Yvonne's supervisor's direct number, she insisted that I explain why I needed to speak with a supervisor.

After I explained my concerns about repairing my roof (I thought it would be unsafe to do the repairs myself. If I hired someone to do them prior to the inspection, how could my claim be approved or my expenses be reimbursed?), she proceeded to tell me, with a condescending tone, that it was my responsibility as a homeowner to prevent any further damage to my property and that if I did not do so, even if my claim was approved, the company would cancel my insurance.

I have never had such difficulty with an insurance company. I purchased this insurance through the Geico website thinking that since the company was associated with them, it would provide the same high-quality service that I had received for several years with Geico. This has not been the case. Today, I filed a complaint with the CT Insurance Consumer Affairs Department since I do not believe that Homesite will fairly evaluate my claim or honor their obligations to me ever, let alone do so in a timely manner. I wish I had read these reviews prior to purchasing home insurance with them.

After numerous calls and no call back from them, finally today someone calls me and tells me that they can not take my payments from my escrow account any longer, even though they had done it for the prior two years. Not only that, my quote went up $300 even though property values have went down.

This is a horrible company.

Today (08/05/11-4:00 PM Pacific Standard Time) I tried to use my coverage for the first time. First, I could not find a customer service number. I ended up calling the number listed on my bill (800) 466-3748. I received a recorded message "Thank you for calling Homesite..." and then hold music for over 20 minutes. Nobody ever answered on the other end, and the message never said anything about it being after hours. I called a second number from their website for claims (866) 621-4823. After about 15 minutes of hold music, somebody answered. She asked for my name and asked what type of claim I would like to submit.

I informed her that I wasn't sure if I wanted to submit a claim yet. I needed to know if a motel would be covered under my policy and if it was, was it subject to my deductible. (I have a $500 deductible, so if it was subject to the deductible, I would pay for the room myself and not submit a claim). She informed me that all she could do was open a claim for me, she could not answer ANY questions. I asked her if she could refer me to someone that COULD answer my questions...g maybe a customer service rep!?? She replied that it was almost 7:00 pm in Boston and they were closed. I would have to remedy the situation on my own. Nobody could assist me until Monday. Despite the fact that it was only 4:30 pm in California.

REALLY!?

Wow. OK...so after almost 30 minutes on hold, that is the help I get?!

I am going to remedy the situation. I am cancelling my policy Monday morning (I would have done it tonight, but I can not reach a customer service representative to do it)!

When the time comes to use your homeowners/renters insurance, it is usually a traumatic experience. At the very least, you should be able to receive some assistance from your insurance company!

Well, I found out that they, and not I, picked out my deductible of $1,000-- instead of the standard $500 deductible.

I reported my claim; as of this date (7/27/2011), no one has looked at the damages on my house.