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Business Profile

Insurance Consultant

California FAIR Plan Association

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Insurance Consultant.

Complaints

Customer Complaints Summary

  • 43 total complaints in the last 3 years.
  • 19 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:01/27/2025

    Type:Order Issues
    Status:
    Unresolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    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.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am attempting to receive the Fair Plan's 2024 fire hardening discount (Approx. $450) on property/house we own at ***************************************. (We received one in 2023.) I initiated the discount paper work in late September and early October 2024 forwarding the requested copy of a firewire certificate and a copy of the firewire map provided by the **** to confirm this property is within the boundaries of the recognized community. In addition, I supplied a certificate which Fair Plan did not request from the Napa County Fire Marshal indicating that for 2024 our home in ****** met the standard for fire safety. All of these documents were submitted 3 SEPARATE TIMES by my licensed broker during a 3 month period from September 2024 - December 2024 through the Plan's Duck Portal and their protocol instructions- not because they were faulty but because of the Fair Plan's repeated and frustrating requests for the same documents. On at least 5 separate occasions I have spoken with different employees there who have assured me the documents were received, with promises I would hear from "a supervisor" as my application was being escalated to that person(s). I have spoken to *****, ******, and three others. On 11-24-24 I was informed the paperwork was in order and to allow 2-4 weeks for approval. Result of that- no contact whatsoever. I don't have the supervisors' names. I never received a supervisor's call back or any information on the status of any of my multiple filings. My last attempt to solve this was a phone call on January 7, ******************************************************************************************************** within ***** hours. No contact occurred. I understand the Fair Plan might be busy with the fire issues in Southern California, but all my contacts with them including that on January 7, 2025 occurred several months or weeks prior to the onset of those fires. This is a disorganized company with marginally trained employees.

    Business Response

    Date: 02/11/2025

    Thank you for advising us of our policyholders complaint.  While we cannot respond to individual complaints, in general, we encourage our policyholders to work with their brokers to resolve their concerns and, if appropriate, to provide us with necessary documentation.

    Customer Answer

    Date: 02/11/2025

     
    Complaint: 22859713

    I am rejecting this response because:

    Sincerely,

    *** *****

    This is their historical, standard delaying tactic/method as evidenced by my precise, original complaint wherein I described having completed and forwarded many times the documents and other procedures they now request again, with my brokers acting as the required conduit by Fair Plan.

    This is simply a standard repeat of the communications x I have had with them since October 24!

     

  • Initial Complaint

    Date:01/09/2025

    Type:Product Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    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.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    We notified our agent ******* Lumaquin ****** in early May of 2024 that we were canceling our homeowners insurance due to his horrible service. We received confirmation via email and in writing we clearly asked him if this would cancel the California Fair Plan. And were assured it would cancel both. We received a notice stating there was a balance due of $4,230.00 I called your ************ and was on hold for a few hours a few times I also sent email and no response. We now received the statement below indicating there is a balance due of $8,460.00. I need this issue to be resolved ******* we have obtained new insurance via AAA and have California Fair Plan via AAA.

  • Initial Complaint

    Date:12/04/2024

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    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.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have had insurance through ******** ****** Insurance since 2017. This year he was very lax in providing us with necessary information regarding the renewal and our policy along with our cancellation from ******** Homeowners Policy and having to obtain *** insurance. I renewed all my policies through **************** reviewing my policies I decided to go with an alternate agent. I requested Mr. ****** to cancel our California Fair Plan policy and it was cancelled on 10/22/24. I obtained new insurance with more adequate coverage through *** which I was required to pay in full for and have been trying to get a refund for the *** insurance for over 6 weeks. I have emailed Mr. ****** on 3 different occasions as I was told that since he wrote the policy he had to be the one to inquire about the refund. He has not replied to a single email and I am still waiting for my *** refund of $2374. *** has suggested that Mr. ****** contact them as they have my refund on hold, although I have a new paid in full policy.

  • Initial Complaint

    Date:12/02/2024

    Type:Product Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    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.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I keep receiving a bill for a non-existent insurance policy of $63.00 labeled Dwelling Installment Invoice every month since September 2024.Please review my email correspondence with CFP to remedy this issue in the supporting documents. They never responded in return but kept sending the monthly invoices.

  • Initial Complaint

    Date:11/26/2024

    Type:Service or Repair Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    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.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My fire insurance has been canceled due to non payment. However, my mortgage company shows payment received and fair plan deposited my check on September 24th or the 27th. I have call multiples times with no resolve. I am out on hold for over 30 minutes and told I will receive a call back. I have given fair plan my check number, date they cashed it and still they have cancelled my policy. This is the second year in a row they have done this to my account. There needs to be some type of accountability for this agency. Its a joke and we have no other options for coverage in Northern California for fire insurance. Please help me resolve this ongoing issue. My mortgage company and I have had a three way phone call with them twice. Last phone with all of us was 11/7/24. I phones again and requested for the third time a call back from the accounting department to verify they received the fax/ email from ***** showing they received and cashed the check.

  • Initial Complaint

    Date:11/06/2024

    Type:Order Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    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.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I sent a credit card payment in the amount of $3597 for the yearly premium on 8/3/2024. It turned out that my escrow company also paid the same premium, so there was a duplicate payment. I contacted ******** and they issued a refund check on 8/10. I waited and never received it. I was finally able to contact them. They cancelled the check and issued a new one on 10/7. It is now 1 month later and I have still not received the check. It has now been 4 months total and I dont know what more to do. They will not return the money to my credit card nor will they send the payment via certified mail or **** I really need help getting this payment back. I contacted them today and they said to call back in 10 business days.

  • Initial Complaint

    Date:11/04/2024

    Type:Product Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    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.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    i was forced to get an ins policy with Ca Fair Plan as insurance companies were fleeing CA for a while. But, luckily, i found a much less expensive option within my first month. My insurance broker canceled my policy with CFP effective a month after obtaining the policy. it's been 6 months and they have not sent me a refund for the unearned portion of my initial payment **** I call them monthly as does my insurance broker and when i'm lucky enough to get a live body on the line they confirm my policy was canceled 5/6/24 but their billing **** won't send the refund and they keep sending me bills. My broker is also being assured my policy was canceled, if we looking up the policy online it has shown canceled and i even received one letter confirming canceled. But they refuse to send my refund. this is criminal. it's a lot of money for me and they're earning interest while paying lip service.

  • Initial Complaint

    Date:10/10/2024

    Type:Product Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    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.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    California Fair never sent me any notification that there was an issue with my property inspection They did not notify my insurance company Farmers either My current policy will expire on ************ insurance company has been trying to contact them for the last two weeks to no avail

  • Initial Complaint

    Date:10/08/2024

    Type:Service or Repair Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    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.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On 7/30/2024, I received a quote from Giambi Insurance **********, **************************************************** for the California Fair Plan (***), quote number ***0100765038, and account reference **********. The insured name is **** ******************* the same time, I was giving a quote from ******* J. ***** Insurance Agency****** The name of the insured are **** ******** and **** ********. While working with several brokers, I was told that there could only be ONE quote and policy from the **** so I accidently paid the *** on their website, and the $858.50 was withdrawn from my bank account, only to find out from Knowd Insurance that I paid the incorrect policy.Since that payment I have been trying to get Giambi Insurance Agency to request cancellation and refund from ***. The *** will not talk to consumers, all work is through the brokers. Giambi Insurance has said they did all they could regarding this issue. It is now 10/8/2024 and I have not received any information from ***. From my bank records, you will see I have paid twice. The *** should see that I am the same person, same address, and contact me for a cancellation and refund immediately.

  • Initial Complaint

    Date:09/24/2024

    Type:Sales and Advertising Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    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.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I had an insurance policy w them from August 2023-August 2024 for homeowners insurance. They let me know that they would be dropping me because our property had two different trusts associated w it. I obtain new insurance in December of 2023 and have been trying to get the remaining balance back from them ever since. My new insurance took effect 12/22/23 and I sent the overlapping coverage documentation my insurance broker sent in info I call every month to check on the status of my refund and they always say it has been escalated to a supervisor we will call within 48 hours and still nothing. My insurance broker just called them again as well and got the same runaround. This was all paid through my mortgage impound account so they received the money but they wont repay me what is rightfully mine. I would like your help getting this back

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