Monday 3rd of December 2018 12:00:33 AM
Do not do business with these people. I repeat, do not do business with these people. First of all, it is really a bait and switch situation when you sign up for Renter's Insurance through Progressive. Any claims you have will be handled through the fly-by-night frauds at Homesite. They are horrible and will treat you like a liar and treat you like absolute dirt. I am dealing with an adjuster there who is a total nightmare, completely unprofessional and very rude and very pompous and condescending. I spoke with his supervisor and asked for a different adjuster which the supervisor promised to do, but never did.On October 17, my apartment flooded due to a broken toilet water line from the apartment upstairs. The first adjuster I spoke to was very, very nice and very helpful. She was suddenly switched off of my case because "there was a computer error and she was assigned too many cases". Huh? Is this not 2013? I then got the adjuster from hell, absolute hell. Today is 11/15. I have been nickel and dimed out of my reimbursements (I was told that since, according to their records, I refused - which I did not - to go into a hotel with a full kitchen, my nearly $700 in out of pocket food expenses will not be reimbursed. It is expensive in my major city to eat breakfast, lunch and dinner every day). Further, with regard to the food I just purchased before the flood and which was damaged and inedible due to the conditions in the apartment, I will not be reimbursed for that at all since it was according to this adjuster "could not have been damaged in the flood since it was in boxes". I said to him, "Would you or would you let your kids eat food which has been under these conditions for more than 2 weeks (there were dehumidifiers, plaster and mold on and around food on my countertops and on top of my refrigerator)?" I have photos of everything which I supplied to him. I had to send him an itemized list of all the food which was damaged, when and where I purchased it and how much I paid for it! Then was told at first (1) we can only reimburse you for any amount over what you normally spend in a week and (2) we are not responsible for the food inside of your refrigerator, which I was not able to eat because I was not living in my apartment due to the flood 2 weeks prior! Then the tune changed to "we cannot reimburse you for any of your food expenses" because according to jackleg adjuster, I refused the hotel with the full kitchen, which by the way is a roach motel. Again, I asked him, "would you want your family to stay there?" I have ALL of my receipts and I have no hesitation whatsoever to take these frauds to court.Then the fraud adjuster asked me today "have you paid your landlord." I told him no, the money was being put into an escrow account at which time rent will be paid upon settling on an amount and my return to the apartment. I was also told by this jackleg adjuster that the money I would normally spend for rent would need to be "given to the hotel upon checkout". I have never heard of that before. Homesite agreed to put me up in a hotel through the 21st of this month, so where does the rent money upon checkout come from???The work in my unit has not been completed (will probably be another 2 weeks due to the extent of the damage and needed repairs), but I was told I need to be out of the hotel by 11/21... Where am I supposed to go? This is not my fault - I am caught in the middle between the fraudulent insurance adjuster and my landlord. By the way, the person's apartment who caused the flood? Oh, he's moved out. The jackleg adjuster needs to "verify" everything I tell him either with my landlord or ServPro about the extent of damages, condition of the apartment, what was "really damaged" (his words, not mine), etc. I have provided him with pictures, spreadsheets, everything he has asked for.Then for a reimbursement? $2,100 total. My 55" Sony TV, Sony Stereo System, mattress/boxspring, TV in the bedroom - $2,100 really? Then he says to ServPro that Homesite would reimburse me for the mattress and not the boxspring - have you ever heard of such a thing? I called him on this and once again I was questioned like a 5 year old liar. "Did the box spring really get damaged?" Well, yes, water has been known to travel through a mattress and through to the boxspring - by the way, the mattress/boxspring was 2 years old and like brand new condition, so there goes $1,000 of the $2,100 Homesite so graciously offered to reimburse me - what a joke. The remaining $1,100 will not cover a replacement tv of the quality I had (I have replacement value on my policy, by the way). Now that deal with that is as follows. He told me, go out and purchase a new tv, mattress/boxspring, etc and "If you can prove with your receipts that you spent more than the money we are reimbursing you, we will reimburse you up to an additional $683." Now keep in mind, I have not seen a thin dime from these people, they cheated me out of the value of my belongings which were damaged, are not reimbursing me for the food damaged in my apartment or my out of pocket food expenses, not ON TOP OF ALL OF THIS, if I want to replace my things with things like which were damaged (well, yeah, obviously), then "you pay for it and when we feel like it, we will reimburse you". Are...you...kidding...me?Then, they asked me for my account information to direct deposit my reimbursement of the $2,100 - that was Monday of this week. I called to ask them where the reimbursement was and they said, "Oh, since we did not hear from you after we left you a message, we sent out a check." I was told by the jackleg adjuster the check was cut on the 7th of November. This past Monday was the 11th so (1) you had no intention of direct depositing my reimbursement and (2) how are you going to kick me out of the hotel with no place to stay and no reimbursement, which means I would be sleeping on the floor (the rest of my furniture is in storage 25 miles away - whole other story with ServPro) if I COULD go back to my place.I am so freakin' frustrated with Homesite. I am filing a formal complaint with the Pennsylvania Department of Insurance -- these frauds need to deal with people honestly and fairly or be shut down permanently, Progressive and the other insurers should be ASHAMED to be affiliated with Homesite. Progressive (or Flo or the Flobot who ever the hell from the commercials) should be honest with their policyholders and inform them upfront their policy is being handled by a third party bunch of frauds.