Pacific Specialty Insurance Reviews

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.

HOW THIS COMPANY SCREWS PEOPLE OVER WITH EXPLANATIONS: For the love of Pete, DO NO USE THIS COMPANY! READ THEIR REVIEWS. The reviews on their website are hand picked from likely every person that they have been able to schmooze into writing a good review. Either that, they wrote the reviews themselves, or they paid people to give good reviews.

Bad experience from the beginning. First they sent notice to me asking for remitting a completed application form, while I had already sent the signed form weeks ago. It turned out to be their mistake. When the appraiser comes, he said everything looked good, but a month later they sent me a notice to trim back all the trees and send back photos as evidence. I hired tree service and trimmed all the trees, sent photos back to the company. No confirmation, no follow up, they've been quiet until last week they sent me a non-renewal notice. The reason given on the notice was non-compliance of the company's request to provide pictures showing Trees have been trimmed away. WTF? Homeowners beware and stay away from this company. They just don't care and do a pretty poor job communicating with their customers.

I had Pacific Specialty Insurance for my home thru Allstate Insurance. I paid for the whole year from 6/17-6/18. I called in Nov 2017 to cancel my policy because I found State Farm Insurance did not subcontract their homeowner's insurance. I'm supposed to get refund of $1063, that's the difference since I cancelled. Pacific Specialty Insurance claims they refunded my Bank card on Dec 11. I have been diligently checking my bank account daily to check if refund was deposited. I've been calling Pacific Specialty on status of my refund that hasn't showed up in my bank from Dec 11 to present (Dec 21). I called again and they said they gave me a confirmation number, again I called my bank, went inside the bank and there is no refund pending from Dec 11.

This place has cheap ** insurance! I use it for PLPD on a motorcycle so basically they are just taking my money for nothing and I can't ever get ahold of no one. :0( Has to be bogus insurance but I don't care if I get in a accident on my bike... Not expecting to live much less it being "my fault". This place won't even contact me to renew my crap ** insurance policy just to be legal. :0( I could never imagine if I had to use them for a claim!!! If you needed them for a claim you might as well go bankrupt... 100% total piece of ** company!

Motorcycle insurance - Stay away from this company at all cost. Filed a claim at the beginning of the year and It's still pending for damages that were never paid for. Adjuster came and did his thing. Later I found out he never included the water pump or radiator that had scuffs on them. I emailed the claim rep back and asked why. They had no explanation other than that adjuster didn't include them in the report because they were not too bad and could be painted when they painted the frame. I contacted the insurance commissioner after 5 months trying to get an answer from them. "They take weeks to reply to emails and they won't take calls -_-".

Their client ran into my son's car. It was clearly their client's fault. After 3 months they still haven't responded to my insurance's request for claim settlement. They don't answer phones, they don't return messages, they don't return emails. They are doing everything they can to hide from paying out a claim. It is pretty much fraud. Stay away from this company.

Last year we had a monstrous hail storm come through. Their adjuster came out and forgot to write anything down on two sides of the house. My contractor contacted them with pictures of damage. They refused to accept the damage. I hired a public adjuster that sent hundreds of pictures with a huge report explaining the damage. They refused his findings, now I have to hire an appraiser to force Pacific Specialty to accept responsibility. They certainly didn't mind taking my premium, now no coverage without fighting. ** the claims examiner has been extremely condescending and disrespectful.

I am currently in the process of trying to cancel my insurance policy with Pacific Specialty Insurance for various reasons. They will not accept. First I attempted to cancel over the phone and got put on a loop. Eventually the person on the phone began to help me and said she had successfully cancelled my insurance policy. I still got billed for a month's worth of insurance. After calling them they told me to email them my policy number and some other personal information and they would complete the cancellation, no mention of a refund for my false charge was ever mentioned. Now that my email has been sent, it's been almost two weeks and I have not heard anything back yet. I'm typing this review because it is currently outside of business hours and I cannot contact them. I don't know what actions I can take since if I cancelled my credit card they would probably send the fees to collections and ruin my credit.

I had a residential liability policy with Pacific Specialty. Our former tenant filed a frivolous lawsuit against us. Pacific did NO investigation, would not take our statements, would not take our phone calls and simply sent denial letter after denial letter when we appealed. We paid thousands in premiums over the years only to be ignored and ripped off when we need coverage. I'll be filing a complaint with the state of CA Department of Insurance and also considering a lawsuit. Based on other reviews in this section, looks like there needs to be a class action lawsuit against Pacific Specialty.

Pacific Specialty has wrongfully denied my claim. I have never written an article or a blog before, but there is always a first time for everything. This is my first time dealing with Pacific Specialty over my water damage claim. We had a clog in the master bathroom standing shower upstairs on a Sunday. However the rest of the master bathrooms, downstairs bathrooms, kitchen and toilets were functioning properly within the house. The use of washing machine upstairs caused a sudden and accidental discharge of water due to the stoppage on the residence premises.

Had a felony break in to my house and they denied the claim due to no broken glass. Did appeal and got nothing. Now going to file for lawsuit. This is the worst company I have ever had to deal with and feel bad for anyone that thinks they really have insurance after paying these crooks.

I had a motorcycle policy for approximately 17 months. On the second year of my policy, I was on a payment plan to pay 4 installments that were to be taken out of my bank account. Little did I know was when I received my new debit card, the numbers on the back had changed and they were not able to debit my account. Found this out just before cancellation and paid over the phone which should have paid my policy in full for the year. The customer service talked about auto renewal and I stated that I didn't need that. Nothing else was said. A few weeks later, received a new bill, requesting $17 and change and threatened cancellation for non-payment but no explanation of why. Called customer service and she could not give any explanation. She referred to the auditors.

I bought insurance with this company and when my roommate rode my bike and got into an accident they refused to cover it saying that if a person lives at the same address as I do they have to be of 35 years of age or be registered on the policy. Their process to arrive at this decision took 8 weeks and I had to follow up with the agent every week - otherwise there was no communication from their end. I feel like I have been scammed and would not recommend this company for anyone. I am also not happy about SF Moto (an otherwise great dealership) recommending this company to me. It was my first bike and I had no idea that bogus insurance policies like mine exist. Not even sure it is compliant with state laws. Reporting them to the BBB.

I have been with Pacific Specialty for over 6 years. Now that I have a claim they want to give me the run around. My toilet had a small leak around the wax seal which in return soften the floor around it. It also stain the roof in the first floor. All of a sudden they have a clause that a leak has been going for more than a couple weeks it's not covered. Well how are we supposed to know it's leaking until it shows some signs. This can take some time due to the speed and amount of the leak. This is simply ridiculous and just another way for them not to pay. Unfortunately, I have paid a high premium for absolutely no reason at all. Just a waste of money. So if I were you I would stay away from this company at all cost!!!

As all companies do, there is minimum fees/deductibles that are to be paid in the event of a claim. To think that you are the only customer out of thousands that is having a claim is utterly ridiculous. Claims adjusters have many other policies to worry about, as do the other departments. I filed a claim & within a month's time or so it was resolved. Even though only partial coverage was offered (Due to the policy's parameters, I was not covered for a certain loss) & you have to understand they cannot just raise prices on you. They are reported to the department of insurance & they regulate that premium increases are valid.