Pacific Specialty Insurance Reviews

Allstate quoted this company. Have never had a claim on any homeowners policy. Apparently inspector came out and I had a condition to removed wood that was stacked in the woods next to my shed. The most ridiculous thing I ever heard. And I could not burn it because of high fire danger last year. Isn’t it better to be safe than appease a dumb thing like this? Wood in the woods! SMH!!

Then, Thanks to Jessica ** and Janet ** at Pacific Specialty Insurance Co. came to rescue and helped to pay for most of the repairs during the holidays.

I purchased a homeowners insurance policy in May 2024 when buying my home. Due to poor communication on the part of my insurance agent and Pacific specialty, they wound up canceling my policy, not once but twice. This has been the most stressful experience and I cannot recommend them. At all. I feel like they believe me and every time they canceled me, they had a new inspector coming out finding something new. I had to fix on the exterior of my home, which was ridiculous. One of the things they made me fix was a shed roof, and the shed was literally 100 feet from my home. Every time they cancel me, they want another full year of payment paid in full. You would think I lived in a shanty. They have proven impossible to deal with. At least in the state of Connecticut.

Representative Jill ** was very patient and knowledgeable on current changes, she took the time to explain and ensure that all information was understood. I have been with Pacific Specialty for many years and have not had any problems or complaints.

Cindy was very warm to talk to and resolve my issues right off hand. With her professionalism, good work ethic and excellent customer service skills, Cindy is truly an asset to your company. Thank you Cindy!

Recently without proper communication Pacific Specialty cancelled my insurance for a "Roof" problem we were not notified excited, they did not send a letter to notify and/or give us the opportunity to fix the problem. We never received a Non-renewal notices either! Now we are caught in between with no coverage!... They don't even answer the phone line to talk and provide an explanation, I just checked BBB website and this business is at F, with many similar cases, I emailed them directly and still haven't got anything back!

Jill is fantastic. She is helpful, friendly, kind, full of information, and provides the information I need effectively and timely matter. I actually only have the kindest, friendliest people at Pacific Specialty. All carriers should have the same customer training this company has. Kiddos to your company.

We have our renters policy with Pacific Specialty Insurance. I am very thankful that Jill answered. She not only helped me with questions but also helped me navigate through their sign on system. She made it easy! I left the conversation with all my questions answered and felt assured that we have the correct insurance for our property. Thanks.

I had a great experience. Spencer went above and beyond with helping me with my claim. And between him and Catherine I can say that they are truly a dynamic duo. Spencer was always available for any questions I had and responded promptly with any updates.

I am a customer who has recently had the opportunity to interact with your Pacific Specialty insurance team member, Jason, during the claim process. I am writing to express my sincere appreciation for the outstanding service that Jason provided. His assistance throughout the claims process was invaluable, but it was his actions beyond the call of duty that truly impressed me.

This company sucks. I made a claim in 2022 for my tub knobs was leaking and they asked me was there any damage to the floor and I said no it wasn’t overflowing. They told me to call my home warranty and I said oh I called the wrong home insurance/warranty. I called my home warranty and they came and fixed it. So how is that a claim and the young Lady said the notes said toilet but it was my tub. Y’all need to not do this if I called the wrong company. Y’all are crooks and I’m going to have to write our governor or whoever is in charge of home insurance. We work hard for what we have and y’all are trying to destroy what we work for. Someone needs to change the laws when it comes to home insurance because some people don’t even use it. Y’all need to be upfront about everything. It’s giving scam.

Jessica ** appraisal specialist was very professional and efficient and extremely caring about my situation. Also I dealt with Elaina as a customer care specialist. Again nothing but extreme care efficiency and professionalism. I will never change my company insurance. They were wonderful and great

My faucet pipe burst last summer causing a major damage to our home. This had been the first time I had to deal with an insurance claim. At first I was tossed around between few adjusters, but once I landed with Catherine ** it had been a smooth and pleasant process. Catherine took ownership of my initial rough experience and was "on it" right away expediting things to make up for the lost time while patiently explaining to me the process. Everyone warned me about dealing with insurances, but thanks to Catherine my experience with Pacific Specialty was very professional and as importantly very personable at a very stressful time in my life. I am truly grateful!

I had a good size leak coming from the shower and it led into one of my rooms. It was a day before my father passed while he was in hospice. The timing couldn’t have been worse and I was under a lot of stress. I made a claim and had received Spencer as my claim adjuster. He went out of his way to reassure me things would be fixed in a timely matter. He spoke to me every day and gave me details for each step. He really helped me through this difficult time. I don’t normally do reviews but I wanted to make sure this company and Spencer knows how grateful, and appreciative I am of all the compassion and support they showed me and my family. Thank you.

I am an Independent agent and I write with over 20 different home carriers. PSIC is by far one of my favorite companies to work with in terms of claims, billing, customer service and underwriting. They have their customer service in the United States which is wonderful, you can actually get someone on the phone and they can get something done.

Overall satisfied, claim adjuster did the best she could and worked with everything that was need for all. Understood the all she explained on the work and the repairs, answered all my questions and concerns.

We had a very unfortunate incident that occurred and Chelsea was our claims adjuster. She was so accommodating and easy to work. Her communication was excellent, she answered and helped us with everything we needed, not to mention very patient with us. What we were dreading to deal with, Chelsea made our process so seamless and quick for us. Thank you, Chelsea, we are so grateful for your support.

I had a sudden flood in my house and they took care of everything right away. They were even patient with me even though I got upset, I didn't mean to be. It's just everything happened all of a sudden and even though I was upset it took their time with me to help me understand what was going to happen and they did take care of everything. Thank you so much Pacific Specialty. I'm happy my home is back in order as though it never happened.

Funny I read a few other reviews that were not favorable. My 1st impression is approach. A lot of what you get is what you put out. My experience was extremely rewarding. I spoke with 2 persons Chealsey & her supervisor. Both were understanding and reassuring. I did get multiple quotes, I took the one that fit my requirements and there were no rebukes to my choice. Maybe I just got lucky and the stars were aligned, but I get to reap the benefits. I'm pleased with everything so far. Just waiting for the replacement to happen.

Incompetent comes to mind because for the 3rd year in a row my lender had to beg for a billing statement in order to make my yearly insurance payment through my escrow. The 1st year, I thought it was just a fluke because it was just starting (and almost didn't) then the 2nd year it happened again and I happen to have caught it in time. By this 3rd year and with a 2nd lender, it happened again. The common denominator is Pacific Specialty. They did not give my lender the needed documents for my lender to pay the yearly premium until AFTER the premium was due (and this was after multiple calls to my agent - which alone is a joke - I actually preferred working with the company directly until this 3rd time).

This is the worst insurance company I ever gone with. The pipe on my kitchen sink got a small hole due to corrosion and I filed a claim. The adjuster Kimberly ** was rude and made me feel like a criminal off the bat. Pretty much right away made it seem they'll deny my claim but after when I asked how long will it take to get a answer she snapped and said she barely got my claim 30 mins ago. Shows they are quick to get the yearly premium but when it come down to a actual claim they have no plans to pay on a claim. Their motto policy holders come first is **. In this stressful time in our lives not only were they rude and snappy but pretty much make their customers feel worse. Do yourself a favor and get another company.

I was trying to get a quote and call them but I have speaking problems a this girl help me a lot with my quote, was patient with me and help me a lot with emails. From beginning to the end, she is so kind!

I got overall good customer service once my calls were returned. I have no real complaints considering the business of the times post-storm in the area. I would recommend this company to friends & family.

My vehicle was into broken into 5/2021. It's now 10/2021. No payment on loss. Darren ** an "investigator" repeatedly made me feel undermined, insulted, and disrespected. This caused me to search for more reviews on this company. From reading reviews on Consumer Affairs/BBB and other outlets shows this is their culture. Several customers have complained about him however his behavior still seems to be tolerated. This entire claim process physically and emotionally drains one's energy where you just are FORCED to walk away and accept it as a loss. as many others have.

Turning up was much faster and easier than expected. Deborah was super nice and friendly, let me know all of my options, and wasn't pushy in the slightest. I got signed up with policy that fit all my needs and was not nearly as expensive as other quotes that I've gotten.

They are always pleasant to deal with, they make it easy to renew my policy. When I have needed them, they made their part the most easy. The towing option is a life saver too! Their prices are competitive if not better than others in this field. How many companies have you been with for 20 year, that you can't ever remember a problem with? I wish everything was a responsive and well run.

PSIC phone representatives are always friendly and consistent. Yesterday, Jill as well as her son each helped me with different steps to complete a couple of changes for a client's homeowners insurance policy.

During the years 2018-2020 this company asked me to supply roof repair receipts as a condition of renewal. This year I was told my home is rated as being in Public Protection Class 9 Area. They dropped me and suggested I seek out a California Fair Plan. They are affiliated with Allstate whom I have done business with since the early 1990s. I have never had any insurance claims. I was just dropped like a hot potato. Do not do business with this company.

Over the years I have had a very good experience with Pacific Specialty. After many years with them, the first time I had to make a claim has been just recently and Matthew ** was assigned to me as my Claims Adjuster. I was/am truly impressed with how professional, efficient, helpful and overall easy to talk to and always available he was when I had questions. I think Matthew is probably one of the best insurance adjusters I've ever dealt with hence I will be referring this company to everyone I know who owns or rents property in California.

I filed a claim for Soledad fire. I had ash all over my house. They denied my claim. This company is horrible. Don't get them. Pick another company. Clark self Clark claim that my house didnt meet the requirements for them to pay to clean my house and I didn't have enough ash. CSC lies for them.

Here's the thing - insurance companies rarely get good reviews because if you are having to use your insurance, it inevitably means something bad has happened. When bad things happen, people are not inclined to write positive reviews - they just want whatever it is fixed so they can go back to their lives. Both my home and my small personal watercraft are insured by PSIC and I have had nothing but a positive experience working with this company. I can tell all of their customer service representatives have been trained properly and they always answer with a smile (trust me, you can tell when someone answers with a smile). They continue to self-evaluate and improve based on feedback and I love their openness and honesty in becoming the best company they can. Highly recommend!

Do not use this company. I had my roof completely replaced, new ductwork, etc, in 2013. I have submitted, and submitted, and submitted (!) the required documentation. Nevertheless, they continue to list it as installed in 1940 and charging me for coverage of a roof over 10 years old. I have just sent one last complaint. If this doesn't fix it I will go through the hassle of getting a new company, pay for the required appraisal, (insurance companies really have us at their mercy!)--and file a complaint with the Better Business Bureau.

Before you consider this company DO YOUR HOMEWORK!!!! I’ve never had a problem regarding my home. Out of the blue I received a letter stating I’m being dropped because I have cords of wood in my almost .25 acre property. It can get down to 19 degrees here!!! I’m not in a flood or fire danger area. This business is insane. They’re actually doing me a favor because I had it in mind to cancel them anyways. By the way PS my wood I burn in my fireplace is not junk or debris, how you stay in business is beyond me??

Both my home and my boat are insured with Pacific Specialty and the process to get insured was painless and pleasant. Their customer service is excellent and re-upping each year is quick and convenient. I really appreciate that they are a big company with a small company feel and will continue to use them as my insurer since I feel confident with my coverage under their umbrella.

I feel terrible that I did not research about this company before signing up. Actually a insurance agent tricked me into this. These guys are all fake. Don’t even accept your claim. They are horrible, poor customer service. My request to everyone YOU ARE NOT INSURED WITH THEM!! They just take your premium and hope you never have to claim. If anyone willing to go legally against this company and their scam please let me know.

ZERO STARS! On 5/26/19 I cancelled via fax, per instructions from Pacific Speciality, both my homeowners and earthquake policies, and asked for a refund from that date since both policies are paid through 1/9/2020. I have DOCUMENTED proof that PS received the fax cancellation at their end, in the section of the fax where it says "OK" and confirms they received it. On 7/30/19 I spoke to a rep in customer service who said they never received it and asked me to email it to them, which I did on 7/30/19. He said it would take 8-10 days to refund. I have since called multiple times to CS to confirm they received that email, as he suggested I do, only to get the robo message that they are experiencing difficulties and that I should visit their website.

Our experience is below. We are seeking legal representation and invite anyone else who would like to join us to email me at **. We have been treated as horribly as you can possibly imagine by this company, PSIC. They used a substandard test to tell us our home was safe to live in after the Woolsley fire. We have 4 children, 2 of which are under 5 years old. Not only did all four of my children get sick, but I became extremely ill and asthmatic for the first time in my life. I am now under the care of a pulmonologist and have been told I will be sick again if I go back into my home environment.

I filed a claim with Pacific Specialty two days away from being three months. My adjuster Crystal ** NEVER answers her phone nor does she call back. We had water damage in our carport due to heavy winds and rain... Received my new policy stating that they were going to cancel it because of our carport that has not yet been fixed. To begin with, there's an open claim for the carport and now it's our fault that they have not yet resolved this issue? In all honesty, I feel like the adjuster and the representative just want us to either forget we have an open claim or perhaps they're just waiting so they can get their share... It is extremely upsetting! Every time that I've asked to get a manager's or supervisor's phone number or email they beat around the bush! Never providing me with one! How can I file a complaint?

Dont buy their home Insurance. They made it very difficult to cancel. I have to call their customer service. Call my Allstate agent twice. Write 2 emails to Pacific Specialty and 2 emails to my Allstate insurance agent to cancel. They never reply back whether my Insurance policy is cancel or not. I feel very frustrated.

My tenant of 12 months was evicted due to major delinquent payments with involvement from the court and sheriff to force him out. Assessing the damage, I had discovered that he had left the house in chaos: broken, missing, or removed furniture such as light bulbs, kitchen tables, mirrors; cracked windows and destroyed blinds in about every room; severed kitchen fountain and defective cabinets. The entirety of the house was saturated with scribbles and tiny holes, and I had also found the walls behind the kitchen cabinets hammered in. The back and front yard were littered with the broken furniture and a massive quantity food waste, clothes, toys, and cardboard. Fortunately, the overflowed garbage bins were not toppled.