Pacific Specialty Insurance Reviews

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.

Worst customer service ever. Would not use! State Farm is 3rd of the price and so customer orientated!

Rain seeping into back door under laminate and causing the subfloor to soften and laminate floor to buckle. They denied my claim because it was rain instead of a leaked pipe that caused it. These people find any reason to deny your claim. We'll be changing. We also had a cooler leak into our ceiling. They fought me on this. Also only give us enough to put a band-aid on it instead of fixing it.

During Super Bowl week heavy rains came to the Phoenix area. Our roof leaked badly causing significant damage to the inside of the house. I called the 24 hour emergency line and they told me to call Service Master or Servpro. We called Servpro and they went to the condo to dry it out. The bill was 4000 dollars. Servpro submitted the bill to my obscurant company and the company has never followed up, with them. That was in February 2015. The company has since denied the whole claim telling me that I could not prove that the heavy rains caused the roof damage. But it certainly caused the damage inside the condo. Drywall, ceilings, laminate flooring all destroyed.

On Jan 21st 2015 my grandmother who is 90 years old and blind (and who has never been late on her full extended coverage insurance payments) had a party for her 90th birthday. That evening we discovered a leak in coming form the kitchen. Jan 22nd we contacted our insurance company and ** was our assigned claims agent. He was suppose to send us paperwork to sign. On Feb 1st 2015 we contacted him and told him we never got the paper work... He said he would send it right out...again on 2/7/15. 2/14/15 I contacted him again because I never got the paperwork. On 2/16/2015 the paperwork got here - I sent it back with all the necessary documents, He said he was paying the claim and would send a check out to her that day.

I paid in advance for a year of motorcycle insurance. When I cancelled my insurance 10 months in because I had to sell my bike, I composed then faxed a letter to them requesting a refund for the difference which is what THEY said I had to do. I should have received +/- $33 back and instead received only $10.84. Not a huge financial deal but right is right and wrong is wrong. When I called for the difference, they said that $100 of the cost of the insurance is "non-refundable" and that costs were incurred to run my DMV check when I proved to them right off that I have a M1 license and have for a number of years now. The lady at PSI made sure she kept talking so I couldn't get a word in so after 5 minutes of listening to her drone on and on I just hung up and decided to blog them to let everyone else know what a shoddy business they are. DO NOT USE THIS COMPANY, THEY WILL BURN YOU FOR MONEY!!!

It will take me a book and half to go into full detail as to why you should stay clear of this company....but I will say that they are a FRAUD company. It has been over 3 years since we had a fire in our house to only (to this day) never once have been paid a single cent from them. After retaining an attorney and subpoena all of their records for our case, SEVERAL illegal situations on their part has proven that this company is nothing but a scam. Take all of these testimonies seriously and AVOID this company! You know it is a good case, when you have several attorneys begging you to take on this case!

My Allstate agent set me up with Pacific Specialty for insurance for a motorcycle I just bought. I trusted my agent to do me right. Got the quote and signed papers without even reading them (not smart). When I finally got paper work from them I was surprised at what little coverage they were offering for such a high price. Checked online with Geico and got a price five times cheaper. I am saving over $300 a year with Geico. Now I have been waiting for over a week for my refund from Pacific Specialty. It only took minutes for them to take my money! Make sure you do your homework and read everything before you sign. Also don't trust a agent just because you have been with them for years.

I PAID FOR A YEAR of motorcycle insurance… Three months later the DMV tells me my registration is suspended for lack of insurance. These creeps tell me that I needed to pay them more because they decided to change my policy without letting me know. THE CHANGE not only increased my rate by $350... It cost me $150 more in late fees and renewal fees at DMV. GEICO IS LOOKING BETTER AND BETTER. THESE PEOPLE SUCK. IMAGINE IF YOU GOT HURT OR FILED A CLAIM.

This company & I have had claims going on for 2 1/2 years with my filing a complaint with the Insurance Commission and the Contractors Board. PSIC hired a licensed contractor to UNDERBID my claims and issued checks per that contractors bid. I could not get anyone to repair the claims for the price I was paid so I phoned, emailed and faxed this same contractor to get in touch with me, advising him that the job was his for the amount that he quoted PSIC. No reply... I then filed a complaint against the contractor with the Contractors License Board, who dismissed at first but I then got in touch with the Chief of the Contractors Board in Sacramento, and he sent out an industrial specialist.

I have had several positive experiences with Pacific Specialty Insurance. They aren't nearly as bad as these reviews show them to be. When the hail storm hit, the claim was paid. It was as simple as that. I have several neighbors who were not happy with their insurance companies, and they had the "name brands" with all the TV commercials.

I was involved in two accidents in one day on my way back to work from lunch. I hit something on the freeway while looking back to make a lane change. It was unavoidable. I don't even know what it was but when i hit it, both of my saddle bags fell off and my muffler cracked and the collector. I called my insurance and placed a claim. I had a master tech at work weld the pipe back up so i could ride the bike home after work. I didn't fall off and there was no injury. Later on the way home i was lane sharing at 10-15 mph and i was going past a little toyota corolla, when a semi truck came over the white lines into my lane and his trailer hit the right side of my fairing and pushed my left side of the fairing into the side view mirror of the car, and it forced me to turn my bars to the left, and i went down on my left side.

In April 2014 I filed a claim of water leakage and an adjuster was called out. He was shown everything from wet carpet, walls and tile coming off. I soon received a letter stating claim under my deductible. It seems they decided to omit/deny the shower pan leak saying it was 2 separate claims. I was furious and have been fighting ever since even involving the state board of insurance. Seems they weren't given all the facts. They finally sent out another adjuster to meet with the contractor. They both agreed that it was a shower pan leakage. You would think that would be it. Nope. Now they want to send out water leak detection company. My next step is attorney because they aren't getting away with this. STAY AWAY FROM THEM.

RUN AWAY FROM THIS COMPANY NOW >>> I live in Colorado but, ended up needing to have this "company" insure me.... What a JOKE! They required a $35 "inspection fee" for each house AND each time there was a change in policy. This person they hired to come out required I get a fireplace inspection when the house had NO FIREPLACE!! It took a month to correct THAT! So finally, they got it right.... THEN, we had a hail storm. :-( I had a claim. And it has taken 4 phone calls leaving messages over 2 weeks to get them to tell me: "Oh, we had some questions".

I filed a claim on March 24, 2014 for a burst water heater that flooded my garage and part of my kitchen. It took me two days to get in contact with a real person about my claim. Then they assigned my claim to Karen who is disrespectful and unprofessional. She told me that I cannot claim any property that was not mine. I am married with two kids and she implied that their property was not covered and suggested I take it off the claim. When I confronted her about that she had no response. She then accused me of taking property out of my home and deliberately placing it into the flood area so that she can deny all of my personal property claim. I have never been so offended and disrespected in my life. Who purposely destroys perfectly good items to get the bare minim from a scam artist insurance company

Worst Experience Ever. I filed a claim on 2/10/14 for a leak in the ceiling that was just noticed ( For a house in HB). Claim adjuster, Patrick, advised me to get a leak detection company at the house to know the cause and duration of the leak. I quickly scheduled for the leak detection company to come to the house. The leak detection company couldn't detect the source of the leak; however, they told me that the duration of the leak was for approximately one month. They also mentioned that there was a SMALL area of mold so it needs a mold specialist to open the wall so that they can know the source of the leak.

Pacific specialty owes my mom and me over 60000 dollars from claim of burglary from 2009. They only have paid 2350 up to now. They keep playing games and delay tactics. I have provided receipts and pictures and owners manuals and boxes of things stolen but nothing is ever enough. They are racists and dishonest.

July 2013, I moved from Sacto to LA. I hired 2 individuals to load my furniture into a Budget 26ft truck. Since I didn't pay theses individuals more money than agreed, during the load the "want a be" movers intentionally threw, dragged, scratched, you name it, they did it to my furniture while putting it into the truck. I had no idea this was going on. Boxes were crushed, items were damaged and two boxes of expensive items never made it to the LA residence. I called the Ins. company to report the theft and vandalism loss. I also reported the incident to the police and to my Allstate agent. After weeks of not answering my phone calls or responding to my emails, Pacific Specialty denied the claim. They determined it was not an act of vandalism (a covered peril) it was "accidental" due to a bad choose of moving help - you get what you pay for - I should have hired a professional company if I was really concerned about protecting my property.

My agent write my home policy with Pacific Specialty Insurance Company. We paid in full for one year. As every consumer aware that you pay to insurance companies all your life, when you have a claim, most of them pay the damage cost and close the chapter. Pacific Specialty Insurance Company's adjuster whose name is Patrick ** send their company appraiser to have an estimate for the hot water pipe and other damages repair cost. He did not satisfy or ignore their own employee estimate, ask us to send an estimate from the plumber who will repair the damage. We send a copy of the estimate copy. Patrick did not satisfied.

Insurance representative sold me "replacement cost" insurance. Pacific Specialty does NOT HONOR that statement in the least. They discount everything in your claim and try to not cover some items at all. They can send you a 24-page document AFTER you have a claim in small print where they exclude some coverage but that is bait and switch at it's worst. They don't return phone calls after you have a claim, try to beat down your contractors on pricing and coverage and illegally pay claims LONG after prices for materials have risen and do not adjust. Get OUT before you have a claim and are crucified by this horribly dishonest company.

I have had two policies with Pacific Specialty Insurance for almost 20 years. January 2012, I had one claim for vandalism and they have cancelled my policy. Ridiculous, after 20 years and one claim. Plus, I spent over 1/2 hour trying to reach a live person on the phone all to no avail. They are totally unresponsive.

I wish I had read these reviews before I signed up with Pacific Specialty Insurance. Stay away from these people, they will not cover you and they will find a way to deny your claim if remotely possible. I purchased a home in CA and a week after the closing, as a welcoming gift, my AC was chopped. I was totally shocked after I filed a claim with the Pacific Specialty Insurance to find out that they would not cover the theft of the AC because they said the house was vacant for more than 30 days before I closed on the property.

Simple water leak had insurance with this so called company PSI for over a year. Mr. Charles ** gave me every excuse why he wouldn’t pay for my claim. I’m so glad it wasn’t anything major and now I am definitely going back to Farmers Insurance. And on another note, when everyone in the office doesn’t speak English, that should have been my 1st sign to run and run fast. Word to the wise, if you find yourself wanting to get insurance with this company, not a good idea!

Back in February of 2005, our home had a collapse due to a sewer pipe that had been leaking under our foundation, for what we found out to be about a 1 year period. We lived on a hillside and had neighbors on each side of us. We called in the claim two days later. We had been red tagged. It all happened so fast. Then, we called the insurance company. They instructed us to mitigate damages to our home and surrounding homes and they would send an adjuster out, which was two days after that. We were in the process of mitigating damages when the adjuster came out. He wrote in his report that there was no damage to the home, even though he had pictures of the damage and there were pictures in the newspaper. Don't know how much more black and white damage could have been.

I have never seen any system as inefficient as PSI and their agents. They live in the dark ages. I got assigned to a Charles **, who of course never calls me back as promised, is excellent at making excuses on everything, doesn't have a personal email of his own so he can’t communicate with his clients, and never gets the emails I send to him on the company email. However, they mysteriously always appear on his desk after I call to check in. He said it would take the police department months to get a report to them. I got it to him in minutes off the net.

I had a micro burst in my neighborhood. The insurance company first said that I needed to prove I have my roof repaired. I showed that proof. They then asked for a receipt of repair. I showed that. They then said the roof was over 25 years old, and I had to prove it had been replaced in the last 25 years. I obtained 2 letters from contractors stating it was not 25 years old. They then said I had to make a claim to get coverage, 1 and 1/2 years later, after going to the head of the company. They denied my claim, stating my roof was excluded, and none of the proof was good enough. Everyone else in the neighborhood got new roofs. From the $13,000 I filed for claim, they paid $2,500, depreciated everything else, or excluded from coverage.

A microburst in my neighborhood did extensive damage to many homes knocking down power lines, trees and blowing off roofs. The roof from my neighbor’s house was blown off and landed on top of our block fence knocking half of it down. I called PSI and they took the claim report and sent an adjuster after a few days. The adjuster took pictures of the roof laying on top of our wall and the neighbor’s house and the damage caused. He stated that it was very obvious that the damage was caused by the roof and that we had a good claim. He promised to send in the report in 4-5 days to PSI, my neighbor’s insurance carrier, and he did. My claim was assigned to Larry ** who promised to handle this rapidly. Three weeks passed and he kept putting me off saying that it was being reviewed. I called him back a week later and he said it could be rejected because it wasn't my neighbor’s fault that the storm blew his roof into my property. I talked to my neighbor and he said PSI hasn't the hotel where he was staying and hasn't started fixing his house yet.

I'm a contractor who has dealt with a a few claims thru PSIC. First, consumers beware if you signed a DP1 policy. This is the biggest scam since Bernard **. As typical with any type of claim, we met the adjuster from PSIC at the property where we measured and compared our views of the damage. At no point did the adjuster indicate this is a non-recoverable depreciation policy. So the claim is turned into our office and put into an industry standard program that calculates measurements and gives current market pricing based on the current petroleum rates. Once this is completed, usually the price is a little higher than the estimate given by the insurance. At this point we contact the insurance company and get approval for these numbers from a claims agent prior to starting any work. At no point did the agent indicate this is a non-recoverable depreciation policy. Once the work is completed, we have it inspected by the city and gather all info on the claim (permits,pics,receipts,notice of inspection,etc.) and forward this information to the claims agent so that they can release the recoverable depreciation to the home owner.

My son Tony ** bought the insurance when he got the motorcycle. He was run off the road and was killed. Specific specialty then call, a William at that time, I sent he all information on the accident 05/28/2009. Claims finally got back to me on September 20th. They wanted me to sign a release form for the 25.000 and have notarized. I did that and faxed them the form. Then I receive the letter that the claim is resolved. I call them and no one will answer in clamed or call me back. Have not received any check.

On June 6, 2010, I had plumbing pipe leading to the sewer backup in my basement. Sewage backed up through the pipe and spilled all over the basement floor. I contacted Pacific to determine my best course of action. They told me to call a plumber to resolve and Serv Pro for the clean up. The clean up company (Serv Pro) was to be paid directly. When submitting for reimbursement for the plumbing, I was careful to separate out the extra work done by the plumber, which was not a result of this event. The clearing of the pipe and clean up were completed within a few days. However, my claim continued to remain open for months.

I filed a claim in Feb. 9. It been bad since day one I got a draft I mailed it in to mortgage company. First the insurance company forgot to pay me for the damage to roof. So they had the adjuster come back out again redo the estimate. He blamed them. They blamed him. In the mean time, I have cancer. My kids had been back and forth to hospital with sore throats, sinus problems because mold was setting. My mortgage company adjuster read the paper wrong two times. They have only sent me half of one check $6000.

On January 8, 2010, we had a garage fire that spread to the roof, living room, dining room and it destroyed all of the contents in the garage. The adjuster came out that weekend to survey the damage. Since that weekend, there has been no re-construction to the house. PSIC has paid some of the personnel loss items, paid other small items, but still has not moved on the re-build of the house. It has now been 8 months and our living expense allowance is about to run out. Instead of providing what they should be doing, they would rather pay for us to stay in a rental home instead of repairing my home. They do not communicate with my public adjuster, return phone calls or e-mails. If they do not act soon, we will be on the street but still paying a mortgage on a house that has been red tagged and unlivable. If my living expense runs out, I can not afford to pay a mortgage on a burnt house and rent on another. For PSIC not to perform on my claim is unacceptable. I made my insurance payments every year and now they won't do what I paid for.

A claim was filed on March 19, 2010 for damage to our pool due to a heavy storm. The insurance company, Pacific Specialty Insurance Co., sent and adjuster out to look at the damage and he submitted his report. The insurance company said the report was unclear. The company sent out another person who is suppose to be an engineer, but the insurance company claims they have have not gotten the report from the engineer yet we are still waiting and at a loss. The first adjuster came out a week after the claim was filed, the second adjuster came out a whole month later.

I had a house fire on March 13, 2008 which started in the garage of new property. I had only been in the house 90 days. Now, the house is rebuilt and there were add-ons that were necessary by the city of Apple Valley our contractor, Thorpe Development, had to complete. Now, PSIC will not pay for the add-ons. We had $13,000 in checks sent to us to give to the contractor. Our mortgage company, IndyMac, is holding them until we get the new totals from PSIC. There were no return calls even if I paged April **. There are just no return calls. Customer service is just terrible.

My home was robbed on January 12th. On the 23rd of February, I was told by April that a check was being cut for the claim. Nothing showed up. I called on Monday, March 2nd, and was told that she had to resubmit the claim for approval and that a check was being cut that day. I called on Friday, March 6th. I can't get a straight answer from them on what is going on and what to expect. I can't even talk to a supervisor. They don't return calls.