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Our home in Ft. Worth, Tx was recently burgalarized. The door was kicked in, jewelry in excess of 10, 000 was stolen as was a gun collection worth 5, 000. I've just now learned, that my so-called insurance on household contents is virtually worthless. There is a 500.00 limit on jewelry, which is nothing and the excessive loss does not even count towards my deductable. I was certainly never made aware of this, in fact, I have never even been contacted by an agent since I originally purchased my home. I pay over 2, 000 a year insurance. My deductable is $5430 . So after paying out nearly 18000 in insurance over these last 9 years, I make one claim and will get absolutely nothing back. The policy is deceptive. I will be looking for another insurer.
The complaint has been investigated and resolved to the customer’s satisfaction.
I live in St. Louis MO and on Dec. 11 our home was damaged due to a winter storm. The adjuster came out and never told us anything. when I called, the only one I ever got was a receptionist. I called for supervisors and even contacted Jefferson City, corp office. All I got was voice mail. Finally, a customer service agent revealed that the adjusted had spoken with my husband the day before. Well this couldn't be true because all we have are cell phones and the adjuster never had my husband number.
Finally when we received the check, it was for $2, 000.00. But the cheapest bid we received was for $7, 000.00. Our rails on our pourch are completely loose, the siding is damaged (found out they are so old, they carry toxics that are unhealthy), and the light fixtures are completely out. My head almost exploded. At this point, we are pursuing an attorney. This is why I am so tired of spending my money. Service to consumers is sad.
FYI to anyone that reads this complaint. I am an insurance agent for another insurance company in Texas. The majority of ALL home insurance policies in the state of Texas have a $500 limit for jewelry on theft only claims. For example, the company may pay 100% for a fire claim, but for a theft the max is $500. Most companies give you the option of raising this limit. The company I represent will allow you to raise this limit to $5000, and any additional amount will need to be scheduled on a separate policy. I hope this helps!