Foremost Insurance Recenzje 25

I have had my home insured with foremost for 15 years with out a claim. Last year I paid $8697.00 for coverage. I received a letter yesterday informing me my policy would not be renewed. I called them and they said they are no longer selling insurance in Florida. Another one bites the dust. I understand why everyone is leaving Florida now.

I have been a Foremost customer for over 10 years and have had 2 different homes insured through Foremost.

On the night of August 5th 2023 during a severe storm I suffered damage that caused water to cascade down and interior wall (and I suspect within the wall also) and near an electrical outlet, water also soaked the ceiling from the leak and the carpet.

I opened a claim which was assigned to an inspector. I also had two roofing contractors come out and provide estimates to repair. I also took remedial action to attempt to stop the leak pending the claim.

One estimate addressed just fixing the area of the assumed leak and one estimate recommended the replacing all the roofing on the back half of the house and fixing the gutters and soffets.

The inspector finally made it out to “inspect” the damage. In this “inspection” he spent about 10 minutes waling around my roof, refused to inspect the interior damage and misconstrued (intentionally or unintentionally) what I told him about the remedial actions I took.

Then in less than 12 hours with no further communications decided to deny my claim and without even showing any respect to your customer, just uploaded a letter to the claims portal. Which also makes me believe that the inspector had predetermined to deny the claim even before he did his little as possible “inspection”. I realize the letter is basically a form letter, but including a paragraph that references time lines for suing Foremost really does not make much sense.

On August 28th 2023 I reached out to State Farm Customer Support and all they did was refer it back to the inspectors manager. So a complaint is referred back to the person the customer has made a complaint about?

On August 31st 2023 I got a call from the inspectors manager, who just reiterated, again without “inspection” and lacking any proof, declared that the problem is the “porch pulling away from the house”, that “the policy is the policy”.

The inspectors manager has a noticeable attitude problem, do any or your customer facing agents and representatives have any customer service experience or training?

They have a statement in their correspondence that says “Thank you for being a valued customer. We are proud to serve you.”. How exactly am I a “valued customer” or Foremost is “proud to serve” me? Instead of working with me to address the issue, leaving me instead with the potential for structural damage, black mold? Where is the “value” and “service” in that?

How is referencing a lawsuit “proud to serve” me, since it would only delay repairs and cost Foremost more to defend the suit than it would to accept the more expensive estimate to repair? This demonstrates what is wrong with insurance companies, instead of paying the claim they would rather spend money fighting the claim even though it would not only cost significantly less to pay the claim outright, the shingles on the whole roof could be replaced for a fraction of the cost of a law suit.

Graded 'FFF' for 'Foremost Fails Forever';
Foremost (under Farmer's) excels as one of the worst. Your '3 stars' is too kind. The absolute worst is their website. After many years it will (still) NEVER remember my user name or password and when I try to recall it thru 'forgot password' it fails. When I try to start a (new) accnt. profile they give me, "We were unable to identify your account." For a 'new' one? I have called them about such matters so much it hurts just to think about it (and never getting anywhere). You can make a payment (all they are after) and renew your accnt. info and (still) you turn around and try to get back in,"Sorry we do not recognize,...." They pretend to have an email contact (that does not function). Since they are more of a 'special needs' company they figure you are already screwed or you wouldn't be w/them so they do (NOT) give a damn about your frustration. It appears like the JoeBama regime in that they are deliberately trying to destroy relations (and their regime). Maybe Foremost is looking for a failed business right-off (?). Especially If you do not have special needs for a policy save your money and sanity and go elsewhere. According to (real) reviews they fail at claims, too. Amazing they can stay afloat. Amazingly dismal!

My water heater imploded from the water pressure surge that came from the outside of my condo while my Home Owners Association (HOA) company was conducting a water-pipe leak repairs that has nothing to do with my particular unit/home. My Foremost adjuster denied my claim without even physically evaluate in person. After he took my claim to his supervisor, they decided they didn’t want to go after my HOA since they are insured by Foremost’s parent company who is Farmers Insurance. Farmers is representing my HOA who is a much bigger account than little o’ me. The water pressure surge not only damaged my water heater, but my washing machine as well as my dishwasher. They try to use the “natural wear and tear” excuse but all 3 appliances started leaking simultaneously on the same day when my HOA was conducting an outside repair of my property without me having a say in it. What is the point of paying for HO6 home insurance for the indoors? My claim is straight forward, yet they denied my claim based on unsubstantiated and unrelated findings toward the actual events. This insurance company is a joke