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Alfa Homeowners Insurance Online Reviews

Company Name: Alfa
Overall average rating of 1.8 out of 5, and the percentage of positive recommendations 9 %
We live in Tornado Alley. We had one go over us. It blew out the studs that held up our porch roof. It took off most of our roof shingles. Knocked out some windows and knocked down our chimney. Our agent came by four days later and we had our check in three days.
My car was hit by one of their customers. I made a claim with them right away and they have since been TERRIBLE to work with. They don't answer the phone or respond to emails. When you do finally get someone on the phone they are unprofessional and find ways to stall the process further. I've been without a car for a month now and I still have no answers on when and if they will help make arrangements for repairs. I am frustrated and very disappointed with the way they run their company. Avoid doing business with them if you can.
I'll start by saying my husband and I had Alfa since we were married and built our home back in 1996. Alfa carried the insurance on our home and vehicles since that time. We only had one claim with them for wind damage to our roof and it was less than $2500. We used the money to put on a new metal roof. That is the one and only claim we have ever had on our home or vehicles..My first beef with Alfa came several years ago when our local agent talked my husband into changing the coverage on our home. She came out, made some suggestions, and told my husband we would be saving money, if we tweaked our policy a bit. Well that was a flat out lie! Instead of saving money, our premiums increased. My husband and I were both very upset, but we had been with the company so long, we just let it slide. Then a few years ago when our area was devastated by tornadoes, we heard rumors that Alfa was not wanting to honor their commitment to pay out, in many of the cases. We heard they cancelled a lot of people during that time. That did not sit very well with us.Fast forward to January of this year when we were very surprised to receive a letter of cancellation from them. It gave no specific reason other than we no longer met their criteria. My husband heard they were no longer wanting to cover homes over 10yrs old, and since we were in one of the tornado-stricken areas (even though our home wasn't damaged), we just assumed that must be the reason.They mailed a refund check minus the dues we had just recently paid! We ended up having to scramble to find insurance before the cancellation notice took effect. We did so and ended up going with another company, who offered the same coverage for half the price that Alfa was charging. We also changed our vehicles over to another company. After switching, we received a bill from Alfa for around $15. The statement was very generic and did not specifically state what the $15 was for. My husband went in person to the local office and was told it was a late fee for one of the vehicles. He told the representative he was not paying, as we had cancelled our vehicles and no longer had house or car insurance with them.She agreed to write off the amount. While she was doing so, she looked in their system and told my husband the real reason we had received the cancellation notice was because of our dogs! We own, train and show American Bulldogs. The representative told my husband they no longer provide coverage to homeowners of bully breeds or Rottweilers. My husband told the representative it had never been a problem before. When we signed up with them years ago, the agent was fully aware of the dogs. He stated we have owned these dogs long before we started service with them, and have owned them the whole time. She said it was their policy since 2006.The kicker is that we insured our 16 ft dog trailer, which we take with us to the shows. It has the name of our kennel and website plastered all over it. The trailer was inspected by an Alfa agent AFTER 2006 and nothing was ever said about it. If they don't want to provide coverage for potential dog bites, why not just state that in the policy and exclude it, instead of unfairly targeting specific breeds.It appears that Alfa was just looking for any excuse to cancel us, even though we always paid our dues on time, and was a loyal customer for all those years. We also found out that several of our neighbors also received cancellation notices about the same time, which makes me suspicious. I really believe it has more to do with no longer wanting to provide for storm coverage in our area, even though they used the dogs as the reason for our personal cancellation. At any rate, we're now saving money with another company, so thank you and good riddance Alfa!
I bought auto and home renters insurance. I paid $200 plus down and 37 months. At end of the first month, I discovered they had charged $380 for home rental and another $100 for fee. I canceled. The local office did not cancel at the office in TX. They sent notice for late payment. I called the local office to get canceled. I got another notice that said canceled for non payment. I had better insurance bought for $270 per year. Their excuse for the fee was that all companies charged a fee. This is not true. No refund was sent for extra funds of $200 plus paid up front.
January 2012, Alfa cancelled my homeowners insurance for which I paid premiums since 1987 with no claims. I retired from the State of Alabama in 2004 and took out a loan from Regions Bank for some needed repairs on my house. The repair people turned out to be cons and scammers who destroyed more than they repaired. They also damaged my basic yard maintenance tools and stole treasured possessions which cannot be replaced. Today, I have a notice from Regions Bank that there is no insurance on my property, which was a condition of the loan I got from them to pay the scammers. I cannot get other insurance because of the condition of my property.
After being with Alfa Insurance Company since 1995, I never missed an insurance premium payment. I have recently received notice (11/18/2011) that they are cancelling my insurance because of storm weather in another part of the state that didn’t affect my area. Is their any legal action that I can pursue to save my policy and my home? I just paid my six month premium and membership fees. No one has money to give away like this.The results of this problem are: 1. Lost of insurance premium.
2. Lost of home owner’s insurance.
3. Lost of recent premium payment and membership fees.
4. Home owner’s insurance protection.5. Inability to find a compatible coverage for the fixed price I have paid all these years.
Well, we have had Alfa insurance for 17 years! We have NEVER filed ANY kind of claim. Our house got broken into while we were at work. We called the next day to get an adjuster to come look at the damage (both exterior doors destroyed). The guy informed us that they were closed the night before because of their company christmas party. They NEVER sent anyone, so we got it fixed ($1300) because we're not leaving our house open to anybody who wants to walk in. They stole $1000 worth of electronics. Then we get a letter in the mail saying they weren't going to cover ANYTHING because an adjuster didn't come out. DO NOT USE THIS COMPANY!!! I promise it's NOT WORTH IT!!!!
I have had Alfa insurance on one home for over 14 years and never had one claim. I have another home insured through them for over 4 years, and until now, I never had a claim on it. They also have my auto insurance.I recently had an incident, which caused damage to a neighbor's property. Alfa sent their agent and fixed their property. Alfa then raised my premium on the first property (not part of claim) by 30%. Immediately after it renewed, they then sent me a non-renewal/termination notice on the property that did have a claim filed on it.I have filed complaints with the MS Insurance Commissioner and will file everywhere else I can. I am a disabled combat veteran and feel that the actions of Alfa are both illegal and in violation of MS and Federal laws. Also, I have perfect credit, do not have a bankruptcy, and have never had any legal or financial actions against me. The home is in great condition, better than when they insured it. Even though we live on the Gulf Coast, there has not been a weather- / hurricane-related claim filed.
We have been customers with Alfa for 23 years. But recently, we received a notice that our homeowners would not be renewed at the end of the year due to the recent tornadoes that touched down in Alabama. I called them and they said that we were being cancelled because our home was over 10 years old.I don't see how they can do this to their most loyal customers. We also just switched our auto insurance to them because of rumors of being cancelled on if you didn't have both auto and homeowners insurance with them. I expressed to them why we were switching our auto to them and we were not informed that our homeowners would be cancelled anyway!Very disappointed with Alfa! Not only will we be looking for homeowners insurance but auto insurance as well. I think that Alfa will be losing more policies than they want to lose!
In May 2010, I filed a claim to have repair made to my home due to soil movement (the foundation needed adjustment). A previous claim was filed a couple of years prior (2008 or 2009) and ALFA paid for similar damage. The claim in 2010 was denied and remains on my record as a claim and the insurance company increased my deductible and rate. They stated it would be three years before this claim is removed and the deductible lowered. I was told by the agent (Allyn **) that he would have this removed from my record as a claim, due to them paying a previous claim for the same similar situation (he said paying the previous claim was a mistake). On March 14, 2012, he stated that ALFA wouldn’t remove the 2010 claim from my record. That he has requested this with his supervisor and it appears they are refusing to lower my deductible. Allyn suggested I go to another insurance agency with a lower rate. Due to my claim less than 3 years ago, I have been paying higher premiums. I wouldn’t have filed the claim in 2010 if they didn’t pay the previous claim in 2008 or 2009. They set the standard when they paid the previous claim and led me to believe they would pay the claim in 2010 for the same similar problem (different area of the house). If they made a mistake with the 2008/2009 claim, they shouldn’t increase my deductible and premiums due to their mistake.
I heard on the radio last year that Alfa was going to cancel a bunch of homeowners policies because of the tornadoes in the state. I went to the agent and they told me that if I got my vehicle insured with them, they probably wouldn't cancel my homeowner's policy. I did this and have had vehicle insurance with them for almost a year. Today, 1-22-2012, I got a letter saying that they were not going to renew my homeowner's policy after it expires in May of this year. They gave the reason that "the storm activity over the past several years has resulted in tremendous losses to the insurance industry. In light of these events, this has caused many insurance companies, including Alfa, to rethink their risk management strategies. As a result we regret that we will not be offering a renewal of your homeowners policy." They also said that this decision was not a reflection on the quality of my home or claim history. I have had this policy since 2004 and have had no claims at all. I have never missed or been late paying. I have excellent credit. I feel that if this company can drop policies for no reason other than the weather. They shouldn't be able to sell any insurance in this universe, as the weather in our known galaxy is unpredictable and dangerous. They shouldn't be able to advertise saying that they are either trustworthy or dependable. They should be forced to close the doors of that company and be held responsible for the financial and emotional pain that they have caused over 60,000 people. I think a class action law suit would be in order, not only to pay for the damage they have already caused, but to alert the public not to do business with undependable bloodsuckers like them.
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