Safeco Homeowners Reviews

Still the company denied the claim and wants to pay only to repair the roof, which is impossible. We had 3 reputed local roofers came out and inspected roof from our side, all expressed same opinion about there no way this roof can be repaired, it must be replaced. SAFECO which is part of LIBERTY MUTUAL since more than a decade now is deteriorating day by day and losing their credibility. Do NOT ever even think about getting any type of coverage from this company, they offer cheaper premium because they never pays for any type of claims.

The roofing company submitted about 70 photos to SafeCo showing the damage that occurred to my roof during the storm. The Claims Rep stated that because the photos were taken from the ground, they would need to have a 3rd party called Hancock Home Consultants out of Atlanta to come and inspect the damage. Hancock Home Consultants has a 1.8/5 star rating on Google reviews. And, I can totally see why! I was notified via email that I should be expecting a call from this 3rd party adjuster, Hancock within 2-3 business days.

When they called, they only let it ring 1 time. Then, they left a voicemail that was totally indecipherable and could not be understood. So, I call Hancock, and they scheduled a time for the adjuster/technician for the following day, Thursday, June 01 between 2-4pm. Then, later that evening, I get a text message from the technician stating that he would be there the following morning at 8:30am. I responded to him and said that I had been confirmed for a time between 2:00-4:00. I never agreed or consented to an appointment at 8:30am as my roofer needed to be present, and would not be available at that time.

I spent the entire evening on the phone trying to get them to reschedule for the time I was originally promised. We were finally able to find an agreed upon time for the following day. But, it was a difficult and time consuming process. I texted the details of all that had occurred to my SafeCo claims rep. My text was I Un acknowledged and ignored!

Then, the following Monday, June 5, 2023, I received a phone call from the same claims rep named Matt, who not only denied the claim, but insisted that the cost to replace 16 shingles on my home would cost around $400-$500. Which is ridiculous and absurd!! I asked him if they had made an effort to contact any roofing company in my area to arrive at that amount. And he indicated to me that they had not. Apparently, they run what they want to through an algorithm, and then quote whatever number comes out. And, if it's less than the deductible, which in my case it was, they just deny the claim!

That amount was absolutely way below what a reasonable amount would be to repair the damage to my roof. Especially Post Covid, when a lot of shingles are no longer being manufactured, and the fact that the costs of materials and labor has completely skyrocketed recently due to inflation! So, I communicated this to him. And, I asked him what happens if the roofing company is no longer in business, or if they no longer manufacture the same color and type of shingles on my roof.

This SafeCo Claims Rep named Matt M states to me that my Insurance Policy does NOT provide coverage to ensure that the shingles will match. I asked him how he would feel if he or a member of his family incurred damage to their roof, and their insurance company told them they would not do anything if they couldn't match the shingles. He said that he wouldn't like, or agree to that. So, then, I specifically asked him why he is expecting me to be okay with that? He did not answer the question. Only to say that he has to abide by what the policy says. He then went on to tell me that they offer some type of extended coverage that would cover the shingles to ensure that any replacement shingles would match.

When I offered to pay extra for that, of course, he told me that it was not an option on my current claim. So, why make the situation worse, and add insult to injury by telling me something that is offered, but not available to me. I told him that I understand that policy has to be followed. But, it is unfair and unreasonable to expect the Homeowner to know every single detail of the coverage. And, also that at some point, there should be some effort made to take care of me as their Customer.

The fact that I have first hand knowledge of other Homeowners insured by SafeCo, who sustained less damage than I did, and had their claim approved, and I did not is a blatant example of discrimination, and targeting/profiling certain customers. And, them favoring certain customers over others. This is a very dishonest and untrustworthy company that goes out of their way to find exclusions or some other excuse to NOT pay claims! Do yourself a favor, and choose any other company out there!! Any other company has to be better than SafeCo and Liberty Mutual!!!

Since we have had to vacate our home we have had one horrible stressful move to the next. We have been in several hotels way too far from our home and my granddaughter's school, require 45+ mins drive each way. We have also stayed in multiple Airbnbs then to our recent long term rental but with multiple incidents between rentals where we've had nowhere to go. Even at one point my son and I had to wait at a park in the car with our belongings and my oxygen tank that only lasts 3 hours. Now we are yet again about to be homeless and have nowhere to go.

The only thing that has been consistent is the lack of communication from our agent, Ashley **, Sam **, Kia ** and more. We have continued from the beginning to request a long term rental to avoid the situation we are in now. It is ridiculous that after almost 6 months we are still house hopping and yet again about to be homeless. This is overwhelmingly stressful for all of us. We have been pushed from one place to the next and have had to spend hours upon hours for weeks/months calling for assistance and asking for help to ensure we do not find ourselves homeless and yet here we are again. CRS has been assisting us but can only do so much when they are not getting responses either.

At this point I am at a true loss. One of your agents (Ashley **) who has been repeatedly unresponsive to me, my son, and the CRS agents and contractors, has continued to state we have denied homes we have not denied, refused to return calls and now without calling me back, sent an email yesterday saying we have nowhere to go and if we stay where we currently are we will be personally responsible for over $5,000/mo in rent. She provided no other alternatives, did not call yet again when she said she would and we are to vacate 5.28.23 (2 days). (Screenshot of email below).

We cannot afford this and shouldn't be in this situation in the first place as this is why I have paid your company as a home owner for almost 50 years. Additionally, the negligence, lack of urgency and communication has lead to the delaying repairs on our home and we are almost 6 months post the initial claim and move out. Our home is currently packed up with our belongings in storage and not livable as repairs have not begun. We do not have an option of returning to our home as this process has already been dragged out so long due to your company's negligence and we are still months out from having our home repaired.

All we have asked for is a 3 bedroom, 1 story home within the bus route of My granddaughter's school (20 miles). We have continued week after week, day after day calling, emailing, etc and still we have gotten nowhere. Instead now we have an agent that seems to be intentionally not responding to us, CRS and refusing to assist us. The recent delayed and very rude call was made after hours and not recorded.

She insulted my son, leading to him hang up, she called back and his girlfriend answered, Ashley then acknowledged she was not me, or my son (not a resident of our home) and proceeding to make false claims about us making outlandish demands, disclosed personal information, stated she would refuse talking to my son going forward and claimed CRS made statements they confirmed not to be true the following day. She stated she would CALL me directly the following day and yet the only communication I have received is the email attached and we still have nowhere to go as of this Sunday, in 2 days.

At this point we are considering hiring an attorney, going to the media and doing anything I can to get us the help we deserve and paid for, for almost 50 years. This is beyond unacceptable and borderline abusive. The stress and anxiety alone this has caused me and my family has been overwhelming to say the least and obviously not good for my health. I am pleading for assistance. Please, if you can help, contact me at ** Or refer me to someone that can assist us. This is very urgent.

Jake H

Prior to our impending move, I had contacted Safeco several times, specifically to inquire about our homeowners insurance coverage with respect to the move. During both conversations, I was told unequivocally that our furnishings would be covered anywhere in the world as if they were at our home, even when the items were in-transit. I relied on this information when I made the decision not to purchase additional insurance from the moving company. Unfortunately, relying on Safeco's assurance was to my detriment when I filed my claim.

When I filed my claim, I was initially told that our insurance had lapsed which was utterly untrue. Once that issue was resolved, then the claims adjuster told me that they would have to find the recordings of my calls to find out what their employees had said to me. They were able to locate the recordings and it was confirmed that their employees had said what I recalled. As it turns out, my homeowners policy only covers two particular "perils" during a move. If the moving truck had an accident or my items were stolen, then I would have been covered. The fact that our movers had been negligent and damaged our items was apparently not a covered peril. Safeco's employees never told me to review my policy or led me to believe that I needed to do further research on this topic.

My argument was that it was a lie of omission on Safeco's part, and that any average consumer who was not in the insurance industry would have believed that they were fully covered during the move. Ultimately, even after writing a certified mail letter to the President, Safeco was unwilling to stand behind their employees and denied my claim. This was an extremely disheartening outcome, to say the least. Safeco's website specifically states that "We're standing ready at life's trying moments - here for you at any time, at any day of the week". They also state that "When you have a claim, we take care of it. It's that simple." I certainly don't feel like that is the kind of service that I received with respect to my claim, and I will no longer be doing business with a company that I cannot trust to have my back.