Pacific Specialty Insurance

I just sent them an email with original documentation attached advising them that I would be filing a formal complaint against them with the insurance commissioner within 72 hours if I did not have a response from them. If this is what PS is like in getting a refund, imagine the nightmare of actually filing a claim with them.

PSIC refused to pay for a second opinion test but told us they would consider paying us back and using the findings if the findings were different than theirs. Not only did we order an extremely thorough and extensive test but we furnished them with an equally thorough and extensive report which stated our house should not be lived in and needed to be cleaned. We also had an insulation company and ducting company examine the attic and home - they told us the same thing.

After many unanswered calls and emails to PSIC (this is their norm), we were told that they would be sticking to their original findings and would not clean our house nor would they pay for the test. At that point, we were living in a hotel. They mentioned many times during our stay that they may not pay the bill and made us wait for weeks to get paid back. At this point, we still have weeks upon weeks at the hotel outstanding that we have not been reimbursed for as well as loss of use back in January before we checked into the hotel that hasn't even been acknowledged. Our emails questioning them go unanswered.

The fire burned all over our neighborhood, including on our street and the homes/yards above us on our street, behind us and in front of us. All of our neighbors have already completed full remediations - we are the only home fighting to get our house cleaned. In addition, the embers burned holes in our roof. The rains that came after the fire, poured into our home and damaged dry wall in three rooms. We had a roofer out immediately to examine the roof. He found burn areas and wrote up the recommendation and estimate for a new roof. PSIC finally had a roofer exam the roof two months later - they would only use that roofer for obvious reasons (much like the hygenist) to get them the report to say what they wanted two months later after an exceptionally rainy season. They refused to cover the roof loss and made us open a second claim.

Our home was built in the early 70s and PSIC knew the drywall contained asbestos. The damaged drywall was removed and our walls were left open that entire time (2 months) while they waited on their roofer. Asbestos was left exposed and possibly disturbed for those 2 months in different areas of our home. PSIC refuses to test to see if our home is safe from the asbestos. They are now kicking us out of our hotel without any cleaning to our home, any repairs to our roof and potential asbestos fibers free in our home.

I emailed my insurer of all the documents of missing payments, repeated damages the tenant cherry-picked to disclose, and proof of purchasing a locksmith due to tenant refusing landlord (me) access.

I was incredibly infuriated when I read their response. It was a denial because all of these damages were unintentional and not vandalistic - that this squalor resulted due to house deterioration. Repeated contact of lengthy gaps always referred to an innocent and untarnished... denial. It is strange that every review supervised by Pacific: Facebook and their Website reviews, possess none of the criticism listed here, but this is just my speculation.

Malia ** - Lying claims rep. Alexandra ** - Manager of the lying claims rep that does not call back when she says she will. Not even within a few days of when she said she will, as I STILL haven't heard back from her. Brian **- Gets a bad attitude and a tone in his voice if you ask him questions that he doesn't have the answers to. Gabrielle - Receptionist - Very nice and TRIED to help, but she is too low level to do anything. Stephen **- Guy who did the estimate on my repairs. This guy is an absolute piece of work. He missed some things on my quote so I sent him pictures of the damage. Then he had the nerve to call me a liar. Darren ** - Guy has an inferiority complex and doesn't know simple answers to common questions.

This company will try to cheat you at every single angle they possibly can. I got an original claim stating that my repair cost would be $2800 and that my bike was not totaled. After DAYS of trying to convince them that the quote was missing three damaged pieces, the manager (third level of support), Justin **, finally agreed to add the items. I gave them VERY CLEAR PICTURES of the damage on the day of the accident. Not until I did this would they even accept that there was damage. Instead they basically just kept calling me a liar without actually using that word. They even told me that without those pictures they wouldn't have added the damage. Justin said I should have the check, with the cost of the added pieces, by the end of the week.

Here we are Tuesday of the following week and I get a call from Darren stating that now they are claiming that my bike is totaled and he didn't even add the three pieces that Justin said they would. How is this possible? Because this company doesn't have a clue what they are doing? Then Darren also states that if I want to keep the bike that it will ALSO have a salvage title. PLUS he said that I would only receive $2700, instead of the original $2800. I literally cannot even handle this company anymore. I LOVE MY MOTORCYCLE, but because this company is SOOOOOOO HORRIBLE, they forced me to give up on my bike or lose even more money than they are already trying to screw me out of. Now it's been 7 weeks and I still do not have a check, a bike, and they have still not refunded me for the insurance costs during that time period. HORRIBLE CUSTOMER SERVICE ON EVERY SINGLE LEVEL AT THIS COMPANY!!!