Homesite Insurance Reviews

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.

The information in this report was incorrect: No trees overhang the dwelling; the house roof is fine; the garage, outbuilding, roof needs repair which I was aware of and had told the company this when I applied. Homesite declined my request to clarify this, kept my down payment, and offered no recourse. The agent Gwen said I could reapply after the cancellation and have another inspection, only if I sent them evidence that the corrections were made. She did not acknowledge that the information was wrong in the first place. I feel this company took my money in good faith and ripped me off. I have done some research online and have read many reports of complaints from people who have had this same type of experience with Homesite. This must be illegal! What a scam.

Financial hardship due to loss of down payment. Misinformation that is now available to other insurance companies I may apply to for coverage. Increased difficulty finding insurance coverage.

5/16/11 Called at 12:43. Spoke with Toni, explained situation and asked to speak to supervisor. Was transferred to supervisor and left voice mail. (Call not returned)

5/16/11 Called at 1:40. Spoke with Rebecca, explained situation again and asked to speak with supervisor and was transferred to a female who introduced herself as Michael. Explained situation and was told that Yvonne ** would call me in about 15 minutes.

5/16/11 Called by Yvonne at 2:23 and made initial claim. I completely felt like she was not interested in helping me and was only going through the motions. She even stated that I needed to get this done quickly since my policy stated the claim should be handled in 180 days and we were past that. I tried to contact Homesite 3 times prior to this with no return calls or emails so feel that this was rude and spiteful since I wasn't the one not returning calls. She said, "Sorry that I wasn't called back after my call on the 3rd that someone else usually returned her calls and must not have gotten to me." Yvonne called me back at 2:50 and told me I was also required to get a police report.

5/17/11 Called customer service and spoke with Angel about my frustrations on how I was being treated. He gave me the hours and phone number for my branch office. I told him that I would not be able to call until the 19th due to my work schedule.

I work as a contractor for the local electric company and as part of the responsibilities for my position, I am to take pictures of appliances around people's homes, when we do consultations with homeowners. I then need to put together paperwork, submit the paperwork to my management,and they send us emails from time to time that I need to print and take with my on client appointments. My briefcase was stolen out of my car which contained over $4,000 worth of items that I use for my work.

I have repeatedly been calling and emailing the claims agent for status updates, and letting Homesite Insurance know that this is important as my job is wanting to know what happened to the items that I was using for my work, however this insurance company is less than stellar at following up on the claim.

I have called and called and called, and all i get is this woman's voice mail. I have left numerous emails, and phone calls in regards to getting status update on whats going on. This process is taking forever and I need to get reimbursed for my work items so that I can effectively do my job.

At this point I am having major second thoughts and contemplating cancelling my insurance with them. I wish I had never gotten any kind of insurance from Homesite. Not only have they, time and time again, ignored my emails and phone calls, but I've never had such a difficult time working with any company, much less an insurance company.

I am at a major loss at this point. I have lost over $4,000 worth of items that were stolen from my car. At least $2500 worth of work-necessary equipment, plus $1,000 of electronics.

The date came and went and no response. It turns out that she was on a vacation. I can never get a hold of her directly. I have had to leave numerous messages on her voicemail (which has a promise of returning calls within 24 hours). No apologies for missing the date. I explained to her that this was poor customer service and she retorted that she is a Claims Agent, not customer service. No kidding! We had to call a company hotline to get a call back finally. They did finally and send the claims evaluation list and had several items wrong.

When your glasses are stolen, for example, you need both the lenses and frames replaced. Yvonne didn't seem to get this (oh yeah, wanted the original receipts from the Eye insurance company, too!). Now, we have sent back replacement receipts, and Yvonne says she has 60 days to respond and will review, personally, every receipt by calling each store to make sure we bought the item. Feel like we have been victimized twice!

On October 8th, 2010, our barn style storage building was broken into and about $4000.00 worth of items were stolen including 1. Generator 2. pressure washer 3. Dewalt 4pc tool set. The "value" of the generator on the market today is about $3000 new, the pressure washer market value new is about $1200.00 and the Dewalt Tool set is about $500-$600 new.

I filed a police report and filed a claim with the insurance company. The policy I have is RC - Replacement Cost. At first, upon giving the report over the phone to the claims agent, she stated I needed to send in original receipts. She stated, they would not accept photos (being that anyone can get photos of the web), they would not accept box and/or original manuals, again, being that one can purchase them off the web. She stated they could only accept original receipts. I informed her that I did not have original receipts being that the items were purchased at a yard sale and at the flea market to which I wasn't supplied a receipt.

She asked if I could provide a bank statement around that time showing large amounts of money taken out of my account. I did send her those, as well, I still sent photos of the items I had on my property. (sort of hard to get a photo off the web of an item with my car and shed in the background). I never heard back from her stating that information was not acceptable. For weeks, they dragged their feet, never returned phone calls, never returned emails. Finally, 2 weeks ago, I emailed her once more, and I received an out of office reply stating she would be gone from the office for a week.

I called her supervisor, he informed me the claim would be re-assigned to another lady and she would call me to follow up. I sent the new claims agent several emails and phone calls. Out of about 6 emails and 3 phone calls, she finally emailed me stating that she was looking into the claim. Never heard back from her. Last Monday (November 8), I called the original claims adjuster since she should be back in her office. I spoke with her on the phone, she explained she was still over the claim and was playing catch up from being on vacation for a week.

She stated that the "valuation" for the items had been completed and she would send me an email with the break down. That was a week ago.Today, I called her once again this a.m. didn't get an answer on her phone, so I called her supervisor once again, now he is on a weeks vacation and is out of the office. I sent the claims adjuster an email informing her I was not at all happy with the lack of attention given to my claim and if I didn't get a response today, I would seek legal counsel.

She send me a follow up email with the spreadsheet showing me the breakdown on the claim. This is where it really ( excuse the language please) ** me off! Talk about low balling? Keep in mind, if these items were replaced, collectively, the cheapest I could find them around my area "new" was a combined $3800.00. The insurance company is sending me a settlement check for a little over $700 after the $500 deductible was taken out, as well as 10% depreciation of the items. Their "valuation" department is showing the $3000.00 generator at $500 to replace, around $2-300 for the $1200 pressure washer, and a couple hundred for the $5-$600 Dewalt 4pc 18 volt tool set.

The valuation form has links to websites showing "like" items for sell on various website that can be ordered, not local places. Dewalt is a name brand, very reliable tools. They show a link to a craftsman small electric screwdriver, a link to a cheap "Ryobi" drill, a knock off no name brand circular drill. The tool set also had a nice utility light. The sent me to a link in the valuation form to a $9 aluminum clamp lamp, not to mention, the Dewalt Tool set I had was all 18 volt, the links take you to items that are "14 volt".( sub standard to say the least). I sent her an email informing her I would not accept the check when it arrives as a settlement, rather, I would be sending it back to them and go to court if I have to.

She called back and stated that, "The replacement cost will only pay what I actually paid for the items when I purchased them, not what it would cost to replace new etc." This doesn't make since being that a lot of people have items that have been given to them, and not purchased by themselves. If I have items in my home that have been given to me, just because I did not pay for them, does that mean there not insurable? Doesn't make sense. So, to say they will only pay what I paid for them is crazy. What if those items had been given to me? No where in the policy does it state this as well. She stated that there is still $139.00 of mine they are keeping, once I purchase the items with the $700 check they are sending, and send them receipts, they will send me the rest of the money.

The whole thing stinks to me and is totally unfair to tell me that my belongings are worth about $1200 total when in fact, they are worth about $3600.00 or more, unfair. Not to mention, in the form I sent them when I filed the claim, I had to write down the estimated value of the items, I was told then to enter what "I paid" for them, not what they are "worth" sounds tricky! I informed them as far as the generator, I purchased it at a flea market a couple years ago and do not recall exactly what I paid, maybe a little over $500. In the official police report, it had it listed at $700 which is what I told the officer. I thought I had paid. I have since contacted a couple of Attorneys who say this is a clear case of "Bad Faith" on the insurance companies part. However, "most" law firms will not touch it unless they are to sue for many thousands of dollars!

This was on 9/14/10. I discovered later, from my mortgage company, that they were billed for a new insurance policy from Homesite and had paid it ($486.00), as well as having paid for my current policy carrier. I was furious. The $486.00 was billed to them on 9/17/10 and I had not called Melissa to authorize any new policy, nor had she been back in touch with me. The $486.00 was also $49.00 more than I was quoted on the quote # ** I still have in my possession. In the meantime, my escrow account is double charged. And I am in the process of going with a new carrier, who now needs to charge my real new premium against my escrow account.

This mistake has cost my escrow to be overbilled by over $1,000 and now I'm left to clean up the mess. I understand I am being issued a "refund" check for the $486.00. However, this should never have happened! I never gave the okay for this policy to be issued. I never signed any paperwork in person, via fax, or electronic signature authorizing these people to issue that policy. This is fraud - plain and simple. And the fact that I now have to deal with the escrow issue simply infuriates me. Why, as a responsible, single, 58 year old woman should I have to deal with such irresponsible and unprofessional (illegal) behavior when I'm trying to cut costs and keep my expenses to a minimum?

I am a single mom, on psycho medications that can make me cloudy and I guess I did not tell her where I got my digital camera on a sale. The lady I got it from gave me an envelope with receipt. Well, I guess the receipt was not legit – I did not know! I would not have sent it to her if I had, so they are canceling my entire claim even though she checked out my other items and they were legit, with receipts, etcetera. It was an error but not fraud and I need this money to replace my possessions! Do not use Homesite! She was rude and does not care about customers but only about saving this shark of business money from honest people paying and then refusing claims.

I have escrow with USDARHS. My yearly rate with Farmers was $972. What I did not know was Progressive was not my insurance company but Homesite was. What I found out today 6/18/10, Homesite has been my insurance company 7/08-1/10 and the price was not in fact comparable to Farmers at all, it went from $972 to $2,084 in 2008 and increased to $2,740 in 2009. I was not informed of this drastic increase until 1/10, when my mortgage payments went from $494 a month to $868 a month. Upon inquiry and nearly 6 months later, I finally got a response from the escrow department with USDARHS. It seems that they did and audit on my account and due to the large increase in insurance this is my new payment for the next 36 months.

What was done to me is criminal but I guess I learned a lesson the hard way. Pay better attention. How could I? I addressed it as soon as I realized there was a problem. I will keep better tabs on my escrow and you should also.

My escrow account with Wells Fargo is now short because they have made payments to both Homesite and Amica. The Homesite portion should have been refunded but has not.

And during the second conversation with the supervisor, I learned that Josey (the original processor of the cancellation) had not yet 'cancelled the policy' so I was sent back to Josey a second time to 'complete the cancellation'. Had I not asked for a cancellation number, I wouldn't have learned that Josey had not yet finished the cancellation transaction? Very disappointing.

No one in the Homesite customer service department can help and I was told to send an email to "customer service" to escalate my case. No one has not bothered to respond to my email in over three weeks. As a former residential appraiser and bank construction loan officer, I am 100% confident that their replacement cost calculations are fraudulent. I provided them with the results of an online replacement cost calculator as well as a copy of a 2005 appraisal of the property that documented my contention. I feel that this dramatic increase in replacement costs constitutes blatant consumer fraud. I intend to pursue this through all avenues.

Homesite appears to be a group, or a secret company that just refinances insurance policies, that are serviced by agents, who are not company, or group connected, but use their existing client base, to expand profits, and hide behind an unknown entity. I worked for a service oriented company for over 35 years, and it's specially frustrating for me, when a group or company takes away the integrity of its employees, to maintain and increase profits. You be the judge. I may have to cancel my policy, and look elsewhere for a more honest coverage.

We overnighted him a check. He called over the Thanksgiving holiday, but he called our work numbers and not our cell phone numbers and so he did not officially "process" our policy until December 1. When we called on December 1 and returned his calls, he accidentally cancelled our quote number and had to re-quote a new policy, which ended up being $180 more than what we had sent the check for. He said he couldn't do anything about that, since the rates had gone up since the week before when we had mailed the check in to him. He refused to help us, even stated that he "took full responsibility" for the screwup but that we were responsible for the extra cost.

I wish I had never gone with Progressive or HomeSite.

In early October, I called to have the check reissued. I was told to void the check and send it back, which I did, and a new check would be sent to me. Well here it is a month later and I have yet to receive a replacement check. I spoke with my agent 3 times and 3 times I was promised a check. I also called the claims agent's supervisor and did not receive a return call.

Since I thought that this was a rather simple claim & because the roof was in such bad condition & winter is coming on, I got tired of Homesite dragging their feet & had the roof replaced. I contracted the roofer that gave me the second from the lowest bid, which was still $3091 more than Homesite paid me before my deductible. Consequently I had to pay $3618 of the replacement costs from out of pocket. I have a severe medical condition that I am disabled with & I am also retired on a fixed income. I don't want anything more than what is coming to me. I want them to act in good faith & stand by their policy & nothing more.

Thank you for your consideration in this matter & anything that you can do to help me with this will be greatly appreciated. Please feel free to contact me at the number I gave you if you need any further information.

It seems kind of strange that after providing the rep with the breeds of my dogs that they all of a sudden couldn't provide me with a quote because of the rebuild cost. However, after reading the posts regarding Homesite Insurance Group, I'm glad they couldn't insure me, let alone quote me! I have filed a discrimination complaint about the company and the dishonesty of why they could not quote me to the Insurance Commissioner. I have also contacted the BBB for Western Washington regarding this.

Out of all of my dogs, the only aggressive one is the little one, who will stand 20 feet away from you and yap! Even the postal service workers bring my dogs treats when they deliver my mail! Before someone discriminates against an animal, maybe they should spend just a little time around it/them. I would like to know if anyone else has had this same issue.

Today is August 4, and we are still suffering without air. The temperature is 100 degrees in Memphis. We called Homesite today and were able to speak to Nichole **. She said that she believed the damage was simple wear and tear and that we don't have a claim. My husband became upset when she said she had checked the weather in our area and that we were lying about the tornado. When she began to raise her voice, I took the phone and asked if I could speak to someone else, possibly her supervisor. She said she did not have a supervisor and we could not speak to anyone else. She and I continued to go back and forth about the weather incident and she continued to speak harshly to me. I asked how could she speak to a customer this way and if our was call being recorded.

I was hoping it was being recorded so there would be proof of how she treated us. She hung up on us and I called back once again trying to talk to someone else who could help. When I did speak to someone else, I was told that Nichole ** had accused me of cursing her and if that was true, I was going to be made a paper customer only. She explained that I would only be dealt with by paper only and not be allowed to call Homesite for any reason. This really hurt! But once again, I asked about our call being recorded. If Nichole ** is claiming I cursed her, surely she has proof. At that time, I was transferred to her supervisor and left another message and I have not received a call back yet.

Now, my husband and I are having to buy a new air unit soon. I'm upset because we have been in our house five years and have never missed a payment with Homesite. My advice to anyone calling Homesite is to record the call yourself. They have people working for them who do not think customer service is a priority. If there is anyone who can help us, we would like to hear from you.

Well, okay, understood, I guess. She went on to ask me what happened. I gave her the details then she stated she will send me paperwork, blah, blah, blah, but I must obtain a police report etc. All items I have no receipt for I must send packages items were in, pictures, etc. Well, I followed her instructions and spent $36 mailing off all items requested. Since that time, I have not heard from the adjuster, Christina **, but coincidentally, did receive a letter of cancellation from the company, stating my policy will be cancelled August 2009, and unearned premium will be returned after cancellation becomes effective. They also stated due to unfavorable loss experience during the underwriting review period, they are unable to continue my policy of theft loss.

Well, I must say that this company is a real rip off. I have never known a company that would drop you because a theft took place and they hold the insurer responsible, so they withdraw the policy. The adjuster refuse to return your call to inform you of what is going on. The representatives refuse to answer your questions. The claims department continually transfers your calls to an adjuster that is likely erasing your voice mails. Again, this is not fair to the consumers and it appears that Homesite is just another company that continues to rip off their customers and no one has done anything about it to this date, yet.

I only went with this company because of Progressives' good reputation. What a major disappointment. I would never want to depend on this company if my house were seriously damaged, I cringe at the thought. FYI: I thought I would try one last time to talk to someone in management before I submitted this. I got someone with a serious speech problem that said he would send an email to the manager and I should hear from them in about two days. Click!

The insurance company paid out $1,000 no fault medical coverage and denied that I had any liability claim. I am now in medical debt and do not have an income that can manage this debt (annual $27,000 net). The insurance company states that my son-in-law is not responsible for the accident because he had people helping him load and unload the trailer (others are guilty, no one is guilty). When he spoke with Homesite, he claimed that he indeed was responsible since he supervised all aspects of the move. He rented and paid for the moving trailer, he loaded and supervised all loading, he unloaded and supervised the unloading process, he placed the trailer on his driveway which had a 4 or 5 degree decline (which contributed to this accident), he supplied the ladder, he called for the ambulance, he reported this incident to his insurance company and stated to them that he was responsible in all areas. He purchased the insurance to cover this type of liability.

Homesite Insurance company judged that they are not going to help me pay the medical bills that were incurred beyond the no-fault $1,000 because the owner of the policy is not liable. They suggested the company, which owned the trailer was liable. How sad is this industry? These are simply denial tactics for which they hope to be released from their obligations. I am now in medical debt and I am still in the healing process at 8 weeks.

The rest of his home still remains damaged like his back stairs, front stairs and wheel chair ramp. The local general contractors won’t work on the home due to the poor communication the insurance has. It’s sad that these clients have lived well into their 80's, worked hard, paid their bills and ended up with a crooked insurance company. Sometimes you do get what you pay for. As for me, I will probably never get paid for my materials, permit fee, and labor, and even if I do, it is too late. The damage, economically, is done. Not very happy!

On the 17th, I called customer service and asked if I could talk to someone over her. When she got on the line, she told me that they had not received my box yet and for me to check next week. Okay, I checked with the USPS and the box was delivered on April 10th. I called her and emailed her the info on 4/16/09 showing it was delivered to home site on 4/10/09. The rep called me and said it may be there but it hasn't come to her yet and she will call me when she gets it. Time went by and I hadn't heard from her so I emailed and called her on 4/27/09, but no answer. I called again on 5/1/09 and she called me back saying she never got the box. I said, "Well, it was delivered there on the 10th," and she said she would have the package department look for it and for me to call her on 5/4/09.

I called on 5/4/09 and she called me back on 5/5/09 saying that they didn't have the box and she was going to ask them to look for it again. I asked her what happens if they don't find it and she said, "We will have to start on the claim and get as much done as we can. It will pop up because it was delivered here and they wouldn't throw it away even if they didn't know who it went to." Mind you, she has had my paperwork emailed to her for weeks and she hasn't even started on my case. I should have stayed with the other company I was with. I switched because I wanted my car and home insurance with the same company, Progressive. Big mistake. It has been over a month and she hasn't even started on my case. I tried to find another company so when this is over I can switch and no one will cover me because I have a claim. I feel like I don't have any insurance. What is the ** point?

Then today, when I requested to speak to her supervisor, she finally called back and was very nasty in the conversation. I asked her who did she think she was talking to and she kept on, so I hung up on her. I will not tolerate people speaking to me that way. Then when speaking with the lady on the customer service side, she told me that the only thing I can do is to call Beverly back as she has nothing to do with them transferring my case. I will never do business with them again. Both bathrooms are still a mess.

They sent another assessor to inspect and I brought my contractor to help support the estimate claims. The assessor did not take photos or do sketches or measurements. He only looked around, watched the contractor walk him through the damages, and left. I was not given any visibility on this report, no follow-up came from the Homesite/BrightClaim for over a month, during which I also attempted to call several times. I finally caught the original claims rep and he explained that the roof cost would be $420. That doesn't cover 1 square foot of repair.

Even though I sustained damage from wind and a tree, I was shocked that the cost of 1 gutter would be higher than the roofing cost. I went to the Home Office and they claimed to forward this issue on to supervisors and such, but I'm not holding my breath. I'm still out of roof repair at $11,000, and still haven't seen a check for the $420. They have 35 employees and generate $11 million in sales. No wonder why they don't pay out and let customers make a clean break when a policy ends or gets cancelled.

well now its been months later and they are still charging my account and when I try calling I am left on hold for hours and get transferred from one person to the next. this is completly outrages I honestly believe that this comapany does not exist and its fraud what they are doing!

as a result I have been charged overdraft fees by my bank because I do not count on this getting taken out every month from it. so I ended up closing my bank account that I've had for years!

I am starting to believe that there is no Homesite insurance. That it is a fraud and only takes my money. But I am unable to call or contact anyone at the company -- they never answer their phones. They have no customer service department either. they have put people on hold and play background music and occasional voice announcements that someone will be with you . . and calls are taken in order!

I am starting to believe that there is no Homesite insurance. That it is a fraud and only takes my money. But I am unable to call or contact anyone at the company -- they never answer their phones. They have no customer service department either. they have put people on hold and play background music and occasional voice announcements that someone will be with you and calls are taken in order! Don't buy insurance through this company. Bad news!

They did change my deductible from $500 to 2% on the last policy change. This is a whole different story. They did approve it with the state of Minnesota, but never clearly informed their customers they were doing this. They basically just snuck it in the policy renewal. The insurance commissioner had started a list of names with people who were complaining about this, but he did determine that it was legal. But it is not ethical or moral!

So back to the the other story, so even with the $4,200 deductible, I still should have received at least $12,000, instead they said my check would be $500.

I had dealt with this company in the past. I fought with them for 10 months over another claim and got nowhere but frustrated. I had actually been in the tornado.

I was in the middle of the tornado on May 25,2008. I was driving home with my 17 month old daughter and my truck was thrown through the air like a billboard and landed 100 feet out in a field. So I knew I had the ability to get this on the news. And from dealing with this company in the past, I knew I was going to need all the help I could get. So I went to Fox, they aired the story, but Homesite would not return Fox's calls. But I did receive a call from the VP of Homesite, who offered me about $5,000. I refused the offer. He then told me he was recording me and that I was trying to blackmail his company and that I had also made false claims in the past. My last claim was very legitimate, but they never would pay on that one. I hear these are some of the oldest intimidation tactics in the book.

GMAC is starting to get involved now that I have made enough noise. They are starting to talk to Homesite. But Homesite is absolutely unbelievable. The story is so ridiculous it is almost unbelievable, but unfortunately for me it is true. I was trying to get past the trauma of being in the tornado and helping my daughter deal with some fears she had developed, but now instead I am dealing with all of this.

I was going to cancel my current policy, but wanted to firm it up with Homestead first. Glad I held off doing so.

I was given an estimate of $5000 roughly. This covers the roof and the siding.

I'm going to immediately look for a new insurance company tomorrow morning! This is unbelievable. I'm also going to contact my state representatives and report them to the insurance regulatory commission in Columbia, SC.

Had to pay for own roof repairs, had to enlist another home insurance policy worth only 40,000 instead of the recommended 150,000 which was the ammount insured from that company. Had to pay higher premium due to them saying losses were reported but they never paid on any claims.

We contacted the company and requested reconsideration due to the fact we have been a customer since April 2004. Latter we had several roofers inspect the home's roof and chimney. All the roofers verified that the roof had hail damage from recent and past storms. We contacted the company and filed a loss report. Note this property has had this same company since April 2004 to the present. With one of the prior policy being 30153293. There were no claims from us on this property, but it was brought to our attention that the prior owners had filed a claim and they refused our claim due to the prior owners claim.

In the photos we sent to the company, before we replace the roof you could clearly see that the roof had prior repairs. Refering to the different colored shingles in said photos.. Note we also did all the corrections of the underwriters issues and they refused to reinstate our policy on our residence. Note I enclosed the photos to verify those corrections were made in the time prior to the cancellation date of 6/23/2007. I am requesting this company to be investigated for unfair business practice, consumer fraud and breach of contract.