American Strategic Insurance Group [ASI]
Reviews and Complaints

They will let someone call them that isn't even on your policy and give them your claims check my wife sister called them and said she was power of attorney and they give her are claims check and she is not power of attorney of any thing or anybody she lied too amy ferrero there should have give us too separate check one for my wife and I and one for her mom me and the wife on that her sister took advantage of her mom having dementia we talked with her mom she doesn't on talking to the insurance company she did not on that becky got the check my wife has been charge of the insurance claim cents day one she has talked a with amy for over 9 months how can this happen

We filed a claim for wind and hail damage that happened, I was first lead to believe that the most I would have to pay was 2500-dollar deductible. Needless to say, when they sent in the paperwork of what they would cover they had added over 5.000 dollars of unrecoverable damages. However, my biggest complaint on top of all of that is when the contractor came to replace the roof, they said some plywood needed to be replaced. it was an additional 1,000 dollars which they are saying they won't pay because. they claim they needed pictures, which they clearly know is not always realistic as anyone who is had a roof replaced knows they work fast to minimize the exposure to the elements which indeed we did have a down poor on the day they started working on the roof. Overall, their customer service has been lousy at getting this matter resolved.

On January 23 an Evergreen tree fell on my house. This tree was approximately 130 feet tall and was at least 50 feet wide. The tree truck measured 22 feet from my house. When the tree fell it shook the whole house. Much of the tree remained on the house. I called a claim in and I was told to get tree off house. I also was told that Paul Davis Restoration was on route to my house to check for damage.

The tree guy came right over and took the tree off the house and made that remark on the bill. I was charged $2600.00 for the tree, which I paid according to tree man per your instructions. Paul Davis never showed up. On February 16 I received a letter that a Field Adjuster report was ordered . I have not heard anything about this claim since that letter. I had to pay $2600.00 for the tree 350.00 for new chimney guards and repair my lawn 850.00. I have chimney damage and want that repaired. I have sent numerous emails to Sade Scott and James Beller. no-one returns calls nor emails

This is incident happened on March 30, 2021, and so far they have changed claims adjusters on me 3 times and now they don't return my phone calls. It is now the Middle of August and still no hear from these people, the last one is named Carla Ramos, and I believe I'm blocked from this number, they claimed it was an error on the so-called check that was sent out and I had a company come out to give an estimate be the ones to fix everything back to order on the property as I was told to do by Patrick Sharpe and now he's off the case and Carla has replaced him all I want is my property to be fix back before winter sets in. I want my home repaired that's what insurance is for. It was not my fault, I wasn't even at home . It shouldn't take this long, the other home that was damaged is repaired so what's taking so long. It's been raining and I hope mold doesn't set into the installation. Ypu

On or around February 20, 2016, Atlanta has a severe storm. The very same day, my roof began to leak. I decided to call my homeowners insurance ASI to report this. They reassured me they were on top of this and would send an ASI representative to check out my roof. The ASI rep came out and was physically too large to climb onto my roof so he sent his teenage son(whom he bought with him to a job). He proceeded to say he didn't find a leak or any missing shingles. Meanwhile, ASI sent me a letter that the repairs were minimal and they wouldn't make any payment. A couple of days later, it began to rain again and sure enough, there is a wet spot on the ceiling, this time a much bigger one like 12in circumference. So I call a (1) a plumber and (2) an HVAC company to check the pipes and fixing in the attic. They found that the leak was indeed on the roof and also found mold in attic where it had been leaking since the storm. I called ASI back and asked for them to send the representative back out to survey the findings and ASI said that wasn't necessary. Instead, they requested that I pay for the repairs up front and send in the proofs for reimbursement. I sent the receipts 1, 2 3 then like 6 times total to no avail. There was always a new claims adjuster, one getting fired or quitting. So I gave up until I received my homeowners statement that showed my annual amount total due increased by like $600. I was livid so I proceeded to try to at least have my claim looked at. No call backs, well perhaps once but oh man when I missed the call, back to no resolution. Customers should never have to deal with a company who has poor ethics and ASI is at the top of that list.

I insured my house with ASI for years. Nice house in a nice, zero-crime neighborhood, Now I am moving and selling my property, so ASI is canceling my insurance "because property is vacant"... three weeks before the closing date. No way to get stopgap insurance from them, not even at a higher premium. ASI caused me a huge headache at the worst possible time. Never again.

This is not a decaying property that will colonized by drug pushers. It's a nice house in a nice neighborhood that is three weeks from being sold. Their policy is not to insure "vacant" homes, so I would encourage people to move business to a serious company while there is still time, and lie to ASI otherwise.

Beware! I had just gotten a homeowner's policy with American Strategic Insurance (ASI) in August which I paid in full. I received a cancellation notice on 09/04/15 from ASI due to "Unacceptable liability hazard on premises" with no further explanation. I contacted my agent and he stated that the reason for the cancellation was because I had honey bees. I live in a rural area, have over two acres, and closest neighbor is approximately 100 yds away. I have 3 hives as a hobby (do not sell honey). Hives are surrounded by an electric fence to keep bears out. There was nothing in the underwriter questions that covered this. Upon digging deeper my agent stated that they considered honey bees "Exotic pets". Based on all the reviews I've read I think they did me a favor. I'll spend my money elsewhere.

I too filed a complaint with the BBB a week ago and their response didn't address my complaint. I'm contacting every government agency to look into their scrupulous practices. I I find it more than just coincidence that ASI approved a rate increase exactly one day after my policy went into effect on. Dec 2, 2013. They said the department of insurance approved the rate increase. I actually find it quite suspect and If the department of insurance approved a 27% rate hike than I want to see this. I have already contacted the The Department of Regulatory Agency (DORA) for Colorado as we'll to look into what can only be described as a classic bait and switch tactic by a fairly large Insurance company to earn my business. There have been no major disasters to speak of since my policy went into effect and absolutely none in Peyton and Falcon Colorado where I reside for years. I completely understand the need to raise rates but based on their own response my replacement cost went up 1% and they raised my rates to the tune of 27%. I have never seen an increase anywhere close to this amount from any insurance company in my lifetime. When I called ASI to discuss this I was told that the reason for the increase was because of the no payout claim that I stated in my complaint and ASI didn't even mention this in their response. I do not think an insurance company can legally raise rates this high because of a zero payout claim and without justification. There are several government agencies in place to protect the consumer and I will exhaust every one to make sure my rights are not being trampled upon and that ASI is operating in accordance with the law and policies of the State of Colorado. Nothing has changed with my home, my county or my circumstance to make me a high risk client since my policy went into effect to justify this steep of an increase.

I had coverage with ASI several years ago. I had a beautiful old live oak tree in my front yard. They told me I had to trim it back from the house or they would non-renew my insurance. I spent $1800 having the tree trimmed, and they non-renewed me anyway. This year I took out a policy with Ark Royal, a subsidiary of ASI (I was unaware of that). After 3 months they cancelled my policy because there was some paint peeling on my house. It is a block house, so water intrusion is not an issue. These people are not a good choice if you want a company you can stay with and rely on.

Do not get your homeowner's insurance policy through American Strategic Insurance! They are new to Alabama. I recently had a major storm hit my house; roof damage, water leaking through ceiling, privacy fence destroyed, mailbox destroyed, large swing destroyed. I have a $1, 000 deductible. They do their own estimates and they are saying my total covered damages are $899! Other structures does not include privacy fences or storage buildings. This is all in exclusion that they do not email you or inform you about. You won't find out about all the exclusions until you have to file a claim. That is when you will find out that you made the worst possible mistake by going with them! You will be tempted because the premium is so low. There is a reason why it's so low!

American Strategic Insurance obstructs/delays paying legitimate claim. They have very difficult to work with. They do not return phone calls. They avoid using email so they can drag things out and make things much harder for policy holders. Our hour had significant damage from a major hail storm. My neighbors have had good luckwith their insurance companies. Dont use American Strategic Insurance unless you want a lot of hassles getting a claim paid.

09/16/2009
I asked for a copy of the adjusters report. Dorthy Purcell refused to provide it.
Requested adjusters name and phone number... request refused.
Requested adjuster's estimate...request refused

I had a policy with this insurance company for home insurance and into the 2nd year I noticed my bill went up from $3500 to $9000. This alerted me to call and find out why such a big jump. The guy on the phone told me it was because of hurricane Wilma yada, yada, yada. So for the past two years I paid $9000 for my home insurance. YES, I live in Florida..

In discussion with a colleague who works in the insurance business I enquired why do insurance companies suddenly up the amount after a hurricane. She kindly offered to look over my policy with me. Lo and behold AMERICAN STRATEGIC INSURANCE (ASI) had me in the wrong territory. I live no where near the beach yet I am placed in that territory. They also added on a lot of charges for stuff I did not have like I was charged for trampoline I have none...etc. I called several times at first the agent was very apologetic and said he would call the underwriter. Then he flipped and said there is no way I can prove that I am in the wrong territory and insurance companies use different territories so even if CITIZEN quotes me as not being on the beach that does not reflect on their system for territories.

So all in all guys they ripped me off for 2 years and when I called them out on it. They were not very helpful and refused to correct it or issue me a refund. Someone did not want to lose on their commission. I switched to CITIZENS by the way. Anyone thinking of using ASI please do your research on the policies the trick you into.