ComplaintsforHomeowners of America Insurance Co.

Homeowners Insurance

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Initial Complaint
10/08/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
The company rates are beyond market rates in the area. The company has increased the deductibles every year along with monthly premiums. I have contacted multiple homeowners in my area and community. Their deductibles and monthly premiums is in the range of $1000 to $1500 versus my deductible is $8850. The yearly fee is between $1200 to $2500 and my yearly fee is $3531. Usually higher deductibles equal lesser payment. In this case the deductible and yearly fee is higher. My main concern is that the company is price gorging. I decided to shop around and was denied several times due to my roof is 13 years old which makes me a higher liability. However, the current company I use will not replace my roof because my wind,hail, hurricane deductible is 5% which is $26,000. I am literally stuck with a company that steady increasing the rates and deductibles but cannot provide any services to me and forcing me to be declined with other companies.
Business response
10/17/2024
We are in receipt of a complaint by Ms. ****** to the ************************* of Insurance ("DOI") and have submitted our detailed response directly to the DOI.

Thank you,
Complaints Resolution
Customer response
10/17/2024
I am rejecting this response because: I am awaiting on the *** to contact me back. Therefore the issue is not resolved until we come to a reasonable term.
Business response
10/18/2024
We have responded to the ************************* of Insurance, and they will forward our response to our insured.

Thank you,
Complaints Resolution
Initial Complaint
10/04/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am aware that my claim will be subject to scrutiny for potential malicious intent, primarily due to my identity being African American. On March 19, 2020, I initiated an identity theft claim with Homeowners of America, and my assigned adjuster was **** ********. Since the inception of this claim, it has remained unresolved. Throughout this period, I have been communicating with various adjusters, including **** ********* through email addresses such as the ************************** , *********************** **************************** and ****************** ******************** have spanned over four years. Despite submitting extensive evidence of the significant identity theft I have endured, I have consistently encountered responses such as "you cannot come to the office" or "you cannot have another adjuster." Currently, my husband and I are facing harassment, stalking, and attempts to alter my medical records, all perpetrated by the individual I initially shared with **** ********. This individual has also been involved in harassing my family and me for years. I have recently informed a representative about my entire issue, providing details on the harasser and their actions. However, I have received an email stating that my claim will be closed. Despite this, I have been bombarded with numerous emails detailing the necessary steps to complete my claim. It is concerning that Homeowners of America seems to overlook the significant impact of identity theft on individuals. I am determined to fight for justice and have been met with disbelief and skepticism. It is important to note that the identity theft began when I purchased my home on December 31, 2019, and escalated in March 2020, which was the reason for opening this claim. Additionally, I was informed by Mr. ********* my current adjuster, that I had recently acquired a monitoring company, a detail I had not previously disclosed. I feel confused and dismayed of this company not having factual evidence.
Business response
10/21/2024
We are in receipt of the complaint for the consumer and welcome the opportunity to respond. A detailed response has been communicated directly to the consumer on October 4, 2024, by email.

*******************************
Initial Complaint
09/12/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
So in 2020 when I was buying my house, I was looking for homeowner's insurance providers and was informed about Homeowners of America by my Geico **** they were on the pricier side of the quotes I had received but I decided to go with them anyway because they were offering a $500 deductible across the board. I have only had to file one claim with them since I signed up with them and they were great. However last year I got a letter saying Hey! we've lowered your premiums but your still getting the same great coverage something along those lines I can't find the letter, But when you read the document it states that my Deductibles went to 2% for Wind and Hail and 1 % for all other perils. I have called multiple times to get this changed since ITS WHY I CHOSE THEM! but they said it was a state law. I've talked to other providers and they've all told me that's incorrect and that I should have been grandfathered and that they would never change my deductible without t my permission. I do not want a 2% deductible on wind and Hail. Now they're sending me a new invoice for the same as what I originally signed on for with the same 2% deductible. I have reached out to other providers and currently have another quote with a $1000 dollar deductible that I'm ready to pull the trigger on but I wanted to give HOAIC one more chance to do the right thing and give me back my $500 or $1000 dollar deductibles and at the most a 1% on hail.
Business response
09/20/2024
Please see attached response letter.

Thank you,
Complaints Resolution
Initial Complaint
08/27/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I was sent paperwork explicitly thanked me for renewing this year and that my coverage starts 6/30/24 and lasts until 6/30/25. I believed I was covered due to this repetitive phrasing that I renewed and I made a purchase. There was also no indication this was only a quote and it wasnt paid. It stated explicitly I had made a purchase. Due to the phrasing of this I thought I had done so and the other note mentioning expiration was a routine reminder as I had what looked like an approved policy on hand IN WRITING. However homeowners of america closed my account after not notifying me explicitly my auto payment didn't go through. I would like hoa to give me an opportunity to reopen my account and pay as i originally intended without needing new quotes through malicious price gouging practices of a simple mistake from what i feel is intentional misdirection as a business. I feel Homeowners of America has intentionally misdirected me to end my coverage. *** has intentionally misdirecting, conflicting, and confusing documentation. At very least their documents need to be fixed to prevent further confusion to trusting consumers. This all feels very malicious and predatory in conduct to raise rates. I am willing to pay right now no problem if they would work with me but they refuse. I've been a customer for 4 years and they have no interest helping me resolve this.
Business response
09/10/2024
Please see the attached response letter.
Thank you,
Complaints Resolution
Initial Complaint
08/22/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
We had multiple storms and tropical storms over the past few months and now I have damage to my roof on my main house and small house in the back. I had a contractor look at both roofs and give me a quote. Which ended up being at total of $36,000 to replace both roofs. Both Roofs are covered under my homeowners insurance. I filed a claim with my insurance company and they sent an adjuster out from Homeowners of America. The adjuster is claiming only the small house and my shed need roof replacements and quoted $5,000 to replace both roofs. I work with contractors everyday and with the cost of supplies and labor there is no way that 2 roofs can be replaced for $5,000. The small house will cost a minimum of $10.000 to replace and the shed around $3,500. I am looking at all the complaints for this company and it looks like they are just in the business for taking peoples money. I have only had my home for 2 years and 9 months and I already paid them around $5,000. I have 2 quotes from contractors. One was from 2 years ago and they quoted me almost $30,000 for my main house and the small house in the back and then the second quote is from 7/27/2024 and that contractor quoted me $36,000 for the main house and small house in the back. The most current quote list all the damage to both roofs. Neither quote includes replacing the roof of the shed. My main house roof is around ***** square feet and the small house in the back it's roof is around ***** square feet. This insurance company was going to send me a check for $37 dollars after they take my deductible. This is completely outrageous.
Business response
09/05/2024
We are in receipt of the complaint for the consumer and welcome the opportunity to respond. A detailed response has been communicated directly to the consumer on August 29, 2024.

Thank you,
Complaints Resolution
Initial Complaint
07/30/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Subject: Urgent Complaint Regarding Inadequate Claims Settlement and Poor Communication To Whom It May Concern,I am writing to formally express my dissatisfaction with the handling of my homeowners insurance claim, which was submitted to Homeowners of America on July 3, 2024. I am deeply concerned about the inadequate settlement and the ongoing communication issues I have experienced with your company.Firstly, the check I received from your company does not nearly cover the cost of the repairs needed to address the damage outlined in my claim. This has left me in a challenging situation as I try to manage the repair process with insufficient funds. Given the extent of the damage, the compensation provided is far from adequate and does not align with the coverage I expected based on my policy.Moreover, I have encountered significant difficulties in communicating with my assigned adjuster. Despite numerous attempts to reach her by phone and email, she has been unresponsive, only returning my calls twice and claiming that I have not left any messages or emails. This lack of communication is unacceptable and has exacerbated my frustration with the claims process.I have reviewed several negative reviews about your company, and these concerns have only heightened my anxiety about the resolution of my claim. It is critical that I receive regular updates on the status of my claim and a final decision as soon as possible. I expect prompt and comprehensive communication from your team to ensure that my home is restored to its previous condition.Given that I have diligently paid my insurance premiums and purchased sufficient coverage for my home, I believe I am entitled to full indemnification for the damages incurred. I kindly request that you address these issues immediately by providing a revised settlement amount that accurately reflects the repair costs and improving communication with your adjuster.Sincerely,********************************* ************
Business response
08/15/2024
Please see attached response letter.
Thank you,
Complaints Resolution
Initial Complaint
07/26/2024
Complaint Type:
Delivery Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This company can not give a clear understanding why they can't replace money for lost my doing a hurricane consist of wind damage power outage
Business response
08/09/2024
Please see attached response letter.
Thank you,
Complaints Resolution
Customer response
08/09/2024
I have got me lawyer to handle with future issues with complaints. I disagree with lies cause. The wind miles 75 my whole fence was down. Because I'm responsible home owner me and friends put back together with nails metal. I lost all my food my lights out for 3 weeks. Everything the insurance said was false information it was one of worst cat 1 Hurricane 2.5 million out lights to all kind of issue due wind damage polls down wires burn. I'm disabled veteran. The fact of the matter the lack of compassion for other is issue the principle. I couldn't talk to anyone higher than supvisor but don't have chain of command. Someone is CEO I want them here my concern
Initial Complaint
07/24/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Policy # **-599188 Eff: 11/23/2023 - Exp: 11/23/2024 I've called two times. I called on 07/20 and 07/24 asking for information on my policy and I did not receive any help.All I want to do is go over the coverage that I have. I was affected by ******************* and lost power for about 4 days and lost everything in my fridge. I want to know if I have coverage for spoilage due to a named storm. **************** agent would not help me.
Business response
08/08/2024
Please see attached response letter.

Thank you,
Complaints Resolution
Initial Complaint
07/17/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
We have had a lot of severe storms lately. I saw some shingles on the ground. I wanted my roofs checked to make sure no storm damage. The inspector came out and reported back that I had large birds in my barn like an ostrich. I have goats in the barn. This was disclosed when I got the policy. The insurance company has now decided to not renew my policy due to ineligible animals, which I do not have. And the inspector found no storm damage, so no claim. I let my agent know that I do not have any large birds but they still will not renew my policy. This is now impacting the price for other companies since I have to find a new company. They have no valid reason to not renew my policy.
Business response
07/31/2024
Please see the attached response letter.
Thank you,
Complaints Resolution
Customer response
08/01/2024
I am rejecting this response because: my original policy did state I have goats. This was sent to me by QuickInsured. And the notice I received said I was not being renewed due to having an ostrich!
Business response
08/02/2024
Per the application (Exhibit C, attached), there are no farm animals on the premises. See highlighted.
HOAIC stands by its previous response.
Thank you,
Complaints Resolution
Customer response
08/05/2024
This shows in 2023 where I disclosed having goats
Customer response
08/05/2024
I'd like proof that they looked at the correct house. There is somebody close to me who raises goats and sheep. Plus has an emu. I don't think they looked at the correct house
Customer response
08/05/2024
Inspection was dated 08/21/2023 not 07/2024. And proof they knew of the goats

***********************;<************************>
10:03?AM (38 minutes ago)

to *****

Can I get proof they looked at the correct house?

***************************
10:08?AM (33 minutes ago)

to me

Here is a copy of the property inspection report.

One attachment Scanned by Gmail

*********************** 10:13?AM (28 minutes ago)

This was dated 08/21/2023. How do I know they looked at my house last month?

***************************
10:28?AM (14 minutes ago)

to me

This is the information Homeowners of America is going off of to issue the non-renewal of this policy, ineligible detached structure (barn) and ineligible animals (what they first thought was an emu but I let them know they are goats, still they do not want farm animal liability on properties they insure). I just got off of the phone with them to give another push back and HOA really does not want any appearance of a farm risk. I apologize for the inconvenience of all of this.

...
Initial Complaint
07/03/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
At May 16 2024 my neigbors home damaged to my car during wind and i open a claim with their insurance company which is HOMEOWNERS OF AMERICA INSURANCE, and the send the inspector very late and after waiting couple week i was not able to drive my car. After inpector show up they estimate damager $5,300 and they told me i should be expecting call at Jun11 ******************************************** payment from this company, and i was not even able to reach to adjuster, when i call support team they keep telling me i have to speak with adjuster (*************************) but i was not able to talk to him since months because he never answer the phone. My CLAIM NUMBER HOAIC#************, ADJUSTER NAME: *************************, (p) ********************** ***************** He is not good at his job, this insurance company is shady and not good business at all, BBB should not be work with them at all, I already contact with my insurance company and attorney we will open a case regarding to inconvenience they giving me since months of stress and depreciation on to the car value, i want them to pay me $15,000 to apologize and inconvenience. Thank you!
Business response
07/22/2024
We are in receipt of this complaint and welcome the opportunity to respond. This complaint was filed by a third party, who is not our insured. Also, ******************** is not the rightful owner of the affected vehicle. A detailed response has been communicated directly to the consumer on July 03, 2024.

Thank you,
Complaints Resolution

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ComplaintsforHomeowners of America Insurance Co.

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