National General Homeowners Insurance

Monday morning I contacted Mr. Benjamin and he said that the report was in and he would call me back that afternoon since he had to go out in the field, that was three weeks ago and the only time I ever talked to him and since then I have called, emailed and sent text messages and nothing! I have called everyday since and probably talked to the entire claims department and no solution. Finally I asked to talk to a supervisor and they said that "DEBBIE **" was his immediate supervisor. I left a message this past Tuesday in the morning since her machine said that "she was out of the office", then I called back and another person that answered said that she was in the office and transferred me to her and again her machine said that "she was out of the office"!

I continued calling yesterday all day and in the end of the day someone else answered took notes and "PROMISED" me that a regional manager would contact me today between 9am and 12 noon, needles to say "NOBODY" called me back!!! I called again and today a bit past noon and this time they gave me the name of the manager "SCOTT **" and said that he was right there sitting in his office and they transferred me over to him and guess what? His machine also said that "He was out of the office" so I left a message about three hours ago and still nothing!

I just wanted to say that I have never ever been treated with such disrespect and that it has been over a month since the storms and our loss, we have lived under a tarp in the roof and dealing with leaks and God knows in what conditions are the insulation and the sheetrock. NATIONAL GENERAL INSURANCE as a company from the customer service people to the supervisor and regional manager has avoid any form of contact with us and has offered no help whatsoever for our loss! As I said before, we have two small children at home having to live under water damaged walls, mold and mildew and I only have the company to blame for negligence in case my children get sick!!!

They are Penny pinchers and liars. Our expenditures were up Around $5000. We were reimbursed 3000 which included the Sanitizing and power washing from all the ashes that were toxic. They would not cover the air conditioning cleaning or the pool cleaning Service and we were told not to return until the ashes were removed because they were toxic. And they wanted to negotiate the rental fee where we were blessed to go stay. On a moments notice, and they Expected the landlord to complete as proof, a form That she needed to answer questions on and return to them before we could Be reimbursed. We never got any money upfront whatsoever. We were being criminalized and spoken to as though we should be in jail instead of back in our home that took us months to return to normal!! From the black soot.

In mind this is a company Who knew they were not prepared to do payouts and the volume that they did I’m sure makes me wonder if they had enough in their own bank account to cover it all and We’ve been paying into it monthly for 25 years and we were treated this way only to receive a letter of cancellation in December due to their Company policy Of living in a fire zone!!?? I lived in this fire zone that they thought was a flood zone 25 years ago. There wasn’t a problem then!

They acted as if we started the fire. Extremely unethical and rude behavior, this fire was the first fire in 100 years and it burned everything To the ground! What makes them think another fire will start again in black burnt down National forest?! I have no idea but it would be another hundred years even before Anything would grow back to burn!! No loyalty, No respect, no compassion for the Displaced-victims. So go to bed. Don’t ever move anywhere where you either have an earthquake or fire or flooding because they won’t ensure it or they’ll fit you like crap if you file a claim after 25 years.

1) Annual quote amount is confirmed and written in the policy. We agreed and signed up. (The only reason we went with this company is because they had similar coverage amounts and they were half the price of Geico's quote.)

2) Within a span of 3 weeks while closing on our house, I had to call their customer service line close to 10 times because they continued to put my wrong HOME address on policy documents. (How can you mess this up?) They kept adding "East" to my town name, or their system did, incorrectly; but either way, it was not double checked and my closing company could not take the documents unless corrected. Their system changed my address automatically back to "East" of the town three or four times.

3) A week after we moved in we received a letter in the mail stating our annual amount had gone up by $230. After calling, we were told that it was because they looked at the outside of the house and it was "nicer than expected".

4) Last week, I received a voicemail from a woman from Mueller Inspections stating she could not find my house for an inspection (which I did not know was going to occur - nobody explained the process to me and after my cost increased the first time, I assumed that was the only time somebody was coming to my house). I couldn't pick up because I'm not able to take personal calls at work and I didn't think much of it. I figured they ended up locating it and everything was all set.

4) A month later (today), I got a call from my Progressive agent, who signed us up for the policy through National General, stating that my homeowner's insurance policy is pending cancellation effective March 20th and I need to call them. After talking with National General, the CS Representative said that my inspection has been re-ordered (could not give me an explanation as to why I wasn't contacted by phone by National General) and if I had any questions I could call Mueller Inspections directly.

5) I just called back the woman who called me last week and apologized for not being able to pick up. She told me that National General gave her the address of "East" town and it took her on a back road. YET AGAIN, their system has incorrectly added "East" to my town name and now it's being dispensed to other companies incorrectly. National General ordered an inspection, gave the inspectors a wrong address, cancelled my policy without calling me and telling me why, and has also now still not changed my home address.

I will wait until this inspection is completed, but I am guessing that based on the crap storm this has been, that National General will increase my price. At that point I'll be cancelling my homeowners insurance with them because this much stress is not worth dealing with a shady company like that.