ComplaintsforTypTap Insurance Company

• Initial Complaint

  08/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Still suffering from Hurricane *** in 2022, our roof still leaks, home still leaks, front bay window is rotting, floors still messed up, but hey... They did pay a tiny portion with reduculous estimates at first for ridiculous repair rates as if I'm an experienced contractor and know how to do it myself. The bigger insult is when they send a little more, which is too little for the major repairs we actually need and possible roof replacement, but only after we sucked adjusters after them. The payments are always too little to pay for actual contractors or experts to repair anything, but enough for shotty handyman work OR just meager replacements of things like furniture. Our house is suffering structurally and they try to do a buy out offer from a court case to avoid the court, but it still is not enough. Adjusters and contractors estimate the necessary repairs to total over $70,000 at least, and Type tap started with 13-15,000, then $17000, and then the offer to avoid court of $30,000. They are a bunch of crooks and also have the nerve to increase insurance rates the last two years?!!Tonight during the storm of tropical *********************** I am drying two rooms of flooding from damages of the hurricane from 2022, that has never been able to be repaired because we've only had enough money for stuff inside and not actual structure or roof replacement problems or the like...

  Business response

  08/14/2024

  Thank you for contacting us regarding your Hurricane *** claim.  We understand the concerns you have and will continue to do our best to help resolve them for you.
  
  Since the date of reporting your claim, we have inspected your property twice and have afforded coverage for a full roof replacement; related interior damages; emergency mitigation services and mold.  The claim does not reflect that we received a copy of your contractor's repair estimate; however, we have made every effort to work with you and your public adjuster directly and through Department of ****************** mediation program to attempt to resolve your claim.  We are now in direct communication with your attorney engaging in continued efforts to reach an amicable resolution.

• Initial Complaint

  03/27/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Hello,We have homeowners insurance with TypTap. Policy number is *************.Our policy was paid by our mortgage lender through our escrow account, Amerihome. Our mortgage lender paid TypTap $1,848 March 26, 2024. This is not the correct amount. We updated our policy before we renewed with TypTap and it is suppose to be $1,603, So TypTap has been overpaid by our mortgage lender. I am assuming TypTap did not send Amerihome the updated insurance policy of $1,603 and instead sent the policy before we updated it which would have been $1,848. This needs to be resolved, The extra $245 needs to be reimbursed to ** or our mortgage lender ASAP.Our property address is ******************************************************************* Thank you ******* and *******************************

  Business response

  04/09/2024

  The policy was renewed and subsequently endorsed, resulting in a reduction of premium after the renewal was sent.  At the time of the complaint, TypTap had not received payment from the lienholder.  A pending cancellation notice was mailed to the lienholder on March 20, 2024 since the payment was not received by the due date, which included an invoice for the endorsed renewal premium of $1,603. TypTap offered a grace ****** of 15 days, which means we would honor the premium payment if received by April 4, 2024.
  
  TypTap received the original renewal premium payment of $1,848 from the lienholder on April 2, 2024.  The payment has been processed and applied to the policy, which generated a premium refund of $245 back to **********************.  The refund check was processed and mailed on April 5, 2024, and ********************** should expect to receive her premium refund in the mail 2-4 business days after the check was mailed. 
  
  The policy is now paid in full, and the premium refund has been generated as standard protocol.  We believe this will alleviate the concerns of the policyholder.  Please let us know if you require any additional information.

• Initial Complaint

  03/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We suffered a devastating leak in our home on July 2nd, 2023. TypTap has agreed that the incurrence was covered under our contract with them and have agreed to the scope of what is covered, but almost 9 months later have still only paid us approximately half of what we are owed under the contract. In addition, they do not pick up the phone, have an automated response on their claims website and farm out their customer service to a claims ********************** team who only replies to emails about 1/5th of the time. I email and email and they simply ignore me. They have told us that our invoices are not detailed enough, but despite my many attempts at asking them what details they need, they have thus far simply chosen to ignore the question. They will not tell me any level of detail of what documentation they do need, they just send vague emails about how we have not provided enough.

  Business response

  04/09/2024

  Thank you for sharing your feedback with us. We regret any inconvenience you have experienced and understand your frustration.
  
  Upon reporting the claim, the property was inspected,and payment was issued. You submitted a lump sum contractors estimate that exceeded our field adjusters estimate. The field adjuster requested a detailed estimate and/or invoices to substantiate the lump sum estimate to reconcile the differences but was not successful. The field adjuster reviewed the information provided and prepared a supplemental estimate and a supplemental payment was issued. Because there was still a difference between the estimates, a reinspection of the property took place with you and your contractor present,  however your contractor submitted the same documents that he previously submitted, offering no new information to review. The field adjuster and contractor reached an agreed scope of damage, however, with no detailed estimates and/or invoices we are not able to reconcile the differences in the estimates.
  
  As such, you were advised what documentation (detailed estimates and/or invoices), was needed for additional review of your claim. We have received the documents you submitted and are thoroughly reviewing the information to ensure that we are addressing your claim based on a thorough assessment of the situation and in adherence to the terms outlined in your policy.
  
  We understand the importance of clear communication and efficient support, and we regret any inconvenience caused by the difficulties you have faced in reaching us.
  
  We value your business and are here to assist you with any questions or concerns you may have. Please do not hesitate to contact us directly if you would like further clarification or assistance navigating the claims process.
  

  Customer response

  04/17/2024

   
  Complaint: 21482198
  

  Good morning, 

  Thank you for your response. It is very nice to finally be able to speak to someone at TypTap for this first time since we filed this claim 9.5 months ago. Your very high level overview of what has gone on leaves out a lot of information as to what has actually happened. 

  Firstly, the property was initially inspected yes, but not a timely manner at all. The initial inspector that was sent out came and left and we heard absolutely nothing for weeks and weeks on end. No one knew anything about where the process was when I tried to call the claim management company, so I called the Field Adjuster himself as I had his personal cell number. He told me he had gone out on emergency medical leave and the claim should have been reassigned to a new Field Adjuster. I then informed your claim management company of this information and it was news to all of them. They then reassigned the claim and in the process we lost at least a month of wasted time. The communication level throughout this entire process has been woefully inadequate. The number of times I email and email and email for weeks on end with absolutely no response is unacceptable. Because of your delay, we have reached the cap on our living expenses policy and are now paying out of pocket for rent, which we cannot afford. If we end up in court with this claim, we will be seeking such damages we have incurred. 

  You say that our contractor submitted a lump sum and that has been the problem. Firstly, it was not a lump sum, that indicates that it was a single number. He did lay out to the best of his ability what each part of the process would cost (for example, flooring, tile, labor, etc). An estimate is, by it's very nature, a guess. As is yours, however the reason yours can be so detailed is because you have access to advanced modeling technologies that takes into account regional averages and is able to come up with such a detailed model. I do not have such access. In addition, I asked ******** over and over and over again what she needed from us and all I got was "a contractors estimate." If you have strict and exacting standards as to what that needs to include, that needs to be clearly communicated to the insured when they ask. It is utterly unfair to say you need a contractors estimate and then reject such an estimate. Despite many requests for guidance in this process, no one has ever given us any understanding of what you need from us until it was too late to get it. You could have asked to approve our contractor, you could have hired a contractor on our behalf yourself, but you did not. So we chose from 3 different contractors we interviewed and we chose the one with the lowest estimate. 

  After nearly 8 months of neverending back and forth (mostly forth, as your claim management company barely responds to emails), we were told you would not finish covering us as you are contractually obligated to do, because we had not provided enough detail. So we then spent two days of our lives pulling together every invoice we have incurred in this process and compiling a detailed spreadsheet of every expense, only to be told that those invoices "give no detail" and therefore are not acceptable. These are the actual invoices incurred and given to us by the tradespeople who have done the work. This is the level of detail such tradespeople give when they are issuing and invoice. Again, I will reiterate that if you had needed some specific level of detail above and beyond the industry standard, that should have been clearly communicated to us at the BEGINNING of this process, not after the invoices were incurred. And you had ample opportunity to give us such guidance but did not. 

  Those invoices and spreadsheet were given to your claim management company 6.5 weeks ago and they have still not completed their review. They are fully aware that we are not paying out of pocket for rent and it is completely unacceptable to have such a delay when we are sitting here paying out of pocket. 

  Please let us know how you plan to remedy this situation immediately. I do not want to have to go through a lengthy legal battle, I would like to settle this amicably, but at this point the distress and stress that it has caused to me, my husband and my entire family is huge and no one seems to care. I email all the time just to be ignored. 

  Thank you, 

  Meghan 

  
  

  Business response

  04/26/2024

  Thank you for sharing your feedback with us. We regret any inconvenience you have experienced and understand your frustration.
  
  Thank you for providing the requested receipts/invoices for repairs that have been completed at your home as it was a great help in our additional review of your loss.  The field adjuster completed a review of those receipts and prepared a supplemental estimate from which we will issue a payment.
  
  We have made every attempt to settle your claim amicably and will continue our efforts to reach an amicable settlement based on all documents received and in adherence with the terms outlined in your policy.
  
  We understand the importance of clear communication and efficient support, and we regret any inconvenience caused by the difficulties you have faced in reaching ***
  
  We value your business and are here to assist you with any questions or concerns you may have. Please do not hesitate to contact us directly if you would like further clarification or assistance navigating the claims process.
  
  

• Initial Complaint

  02/27/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The absolute worst. I first thought they were incompetent. I now know they are very precise in purposely delaying execution, acting like they didn't get correspondence, and lying. If you have a claim - you must get a Public Adjuster to help you and, likely, an attorney. You will have to fight for every dollar you should get. Plus expect it to take months and months to process.

  Business response

  03/08/2024

  We are sorry to hear about your experience with TypTap Insurance. From a review of the file, the claim was inspected and paid timely.  While there was a difference in pricing between your public adjusters and field adjusters estimates, TypTap took the necessary steps to resolve the discrepancy. A field adjuster completed a reinspection of the property, and a supplemental payment was issued. 
  
  I am happy to report your file has been resolved with an amicable agreement between you and TypTap insurance and final payment has been issued February 28, 2024.
  
  We truly apologize for any delay you experienced in the claims process.  Thank you for bringing this matter to our attention and allowing us an opportunity to respond.  
  

  Customer response

  03/19/2024

  Showing that they resolved the solution is not quite accurate. It doesn't change the complaint. Did they finally respond and send payment, yes. But their service was horribly slow, purposefully negligent, and dishonest in communication. I believe the purpose of the BBB is to let potential clients know how they operate. I sure would have liked to know.

  Customer response

  03/19/2024

  Rebuttal Response:

  Showing that they resolved the solution is not quite accurate. It
  doesn't change the complaint. Did they finally respond and send payment,
  yes. But their service was horribly slow, purposefully negligent, and
  dishonest in communication. I believe the purpose of the BBB is to let
  potential clients know how they operate. I sure would have liked to
  know.

• Initial Complaint

  01/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unresolved

  More info

  Filed a claim for roof damage after hurricane *** and ******* **** *** continues to delay, delay, delay and will not settle. The licensed roofer and the ******* ins. adjuster both concurred that a new roof was needed. After 16 mo. still no settlement from *******.

  Customer response

  01/24/2024

  Claim was filed on 11/15/2022. Claim # **-301380022 and ******* responded that received claim on 11/25/2022.  ******* has not even agreed to mediation and continues to stall.

  Business response

  02/01/2024

  Thank you for contacting us regarding your Hurricane *** claim. Shortly after reporting your claim in mid-November, TypTap inspected the property for the reported damages. Coverage was afforded to repair the observed wind related damage and payment was issued to you.  
  
  TypTap received a letter of representation from your attorney and has been in constant communication with them in efforts to resolve this claim.  Your attorney submitted a pre-suit demand, in response TypTap extended an offer to resolve the claim.  The offer was not accepted, and your attorney elected to move forward with litigation.
  
  Your attorney would be your best resource to answer any additional questions you may have regarding the status of your claim and/or the litigation process.
  
  TypTap values you as a customer and appreciates the opportunity to provide this response.

  Customer response

  02/02/2024

   
  Complaint: 21185443
  
  I am rejecting this response because: The settlement offer from ******* was less than 1/3 the cost to replace the roof.  Under ** statute the roof cannot just be repaired since the tile on the roof is no longer available.  The adjuster that ******* sent to inspect the roof told me that he verified that the tile is no longer available and recommended that the roof be replaced.  I hope that ******* will make a reasonable offer so that I can replace my damaged roof before the next hurricane season.   
  
  Sincerely,
  
  ************************

• Initial Complaint

  12/12/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Urgent Complaint Regarding Neglect and Delay in Addressing Claim Dear Better Business Bureau,I hope this email finds you well. I am writing to bring to your attention the significant issues and distressing experiences my family and I have endured due to the prolonged neglect and delayed response from TypTap Insurance Company concerning our insurance claim.Our ordeal began in April 2023 when an unfortunate event occurred in the middle of the night, resulting in damages to our home. These damages include uneven floors posing a threat to our safety, as well as holes in our walls, causing a considerable financial strain by increasing our monthly budgeting.Despite the severity of our situation, TypTap Insurance Company has only acknowledged the out-of-pocket expenses related to a total re-pipe of our home. This incomplete acknowledgment fails to address the comprehensive damages we have suffered, neglecting the true extent of our losses.Living in these compromised conditions for an extended period has taken a toll on the well-being of my child and myself. We have uprooted our lives and endured these hardships for far too long without the necessary support and resolution from TypTap Insurance Company.I kindly request the Better Business Bureau's intervention to ensure TypTap Insurance Company is held accountable for their lack of prompt action and comprehensive assessment of our claim. We seek a fair and timely resolution that considers the full extent of the damages we have endured over the past months.Thank you for your attention to this matter, and I trust that the Better Business Bureau will assist in facilitating a resolution that brings closure to our challenging situation.Sincerely,***********************

  Business response

  01/03/2024

  Thank you for reaching out about your recent claim concerns. We understand the situation involving the reported pipe leak in the laundry room area and its significant impact on your property.
  
  Our licensed adjuster promptly inspected the damage following your report. Although damage was observed initially, determining the precise cause was challenging as no active leak was present during the inspection, and the home appeared dry.
  
  To ensure a thorough assessment, we engaged a leak detection company, confirming a previous leak in the laundry room, which had been repaired. Based on the findings from both the field adjuster and the leak detection, coverage was provided for the identified damages, dry-out procedures, and additional living expenses.
  
  During the claims process, the public adjuster you hired submitted an estimate containing non-damaged items or non-covered damages and inflated prices. Ultimately, as you are aware, you hired a lawyer and filed a lawsuit.
  
  Due to the ongoing legal proceedings you filed, we are unable to discuss the matter further outside of the legal forum. If you have any further queries or require assistance, please do not hesitate to reach out.

• Initial Complaint

  04/13/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  My home was severely damaged by hurricane Ian. This company gave me less than half of what THEY estimated the damage to be. I hired a private adjustor and they met with the insurance and reassessed the damage and now TypTap refuses to respond to any correspondence from my adjustor as well as myself. This is the entire purpose of having insurance and this company is not only delaying full payment of the damages but refuses to even respond to us. They did manage to raise my annual insurance rate which is already reflected in my mortgage payment for months now. I simply want to fix my damaged home before another hurricane hits. Begging for some answers here, *******

  Business response

  04/25/2023

  Thank you for your inquiry.  This claim was reported October 3, 2022, for exterior damage to their home from Hurricane Ian.  We assigned a field adjuster who inspected the property on October 10, 2022.  Coverage payments were issued based on the observed damages and field adjuster’s estimate.  The insured has a hurricane deductible of $3,860, which was applied.  Recoverable depreciation was held back in accordance with the policy and will be released upon completion of the repairs.   The insured hired a public adjuster who submitted an estimate that is much higher than the field adjuster’s estimate and includes a greater scope than initially found.  We have been in communication with the insured’s public adjuster to understand the estimate presented.  This claim continues to be reviewed and the examiner will continue to work with the public adjuster and insured to resolve this claim.  Thank you for bringing this to our attention and allowing us the opportunity to respond.

• Initial Complaint

  03/06/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I was Affect by Hurricane Ian an all this company has been doing is giving my public adjustor and myself the run around. After 90 days by law they should have given me a response which they did my estimate of repairs was for over $275,000 I got a letter stating a check for $30,000 is what will be given when check finally came mortgage company was wrong it took them an addition 2 month 60 days or nore to re cut check an says case was closed most of the things damaged werent even included in there payment an what was paid was below legal prices for example my roof my pool cage which is pretty much all they were paying an low balling. Florida law also states if floor is thru-out the house insurance must pay to replace entire floor my kitchen cabinets same issues pool is in ground and pool cage collapse inside damaging pool Solar heater gone equipment busted or flew off same with water system an softner an this is just some. Typtap since then has ghosted me no one on my case no results an not enough from there settlement check to even cover replacing my roof.

  Business response

  03/15/2023

  Thank you for your inquiry.  We apologize for the delay you experienced in the reissuing of your check due to the update of your mortgage company.  Our examiner, Marie, has communicated with you and explained the process of submitting contractor estimates for consideration of supplemental payments.
  
  Thank you for bringing this matter to our attention and allowing us an opportunity to respond. If we can be of further assistance, please do not hesitate to contact us.

  Customer response

  03/15/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  Lynda ******

• Initial Complaint

  02/14/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  So, when are you guys going to call us about our claim. We thought we were getting closer when the Florida Department of Financial Affairs got involved… yet you still choose not to call us. Reaching back out to the them today, to let them know you did not reach out as promised. What an agonizing experience. This has to be illegal even fraudulent. We paid for the insurance to have peace of mind, only to realize you guys have done nothing to help us. We are leaving in an apartment, our life has been on hold for over 4 months. I guess, next step is to get a heavy hitting attorney to handle it and then you will not only have our claim, you will have to pay their fee too.

  Business response

  02/24/2023

  Thank you for your inquiry.  We apologize that you had trouble reaching the examiner; however, communication has been ongoing with your public adjuster. The examiner has communicated with you and explained the process of the engineer inspection, which has been scheduled for March 28, 2023.  Please let us know should you have any questions prior to the inspection.

• Initial Complaint

  01/11/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  After Hurricane Ian we filed our claim with TypTap insurance. They sent out an adjuster who rushed through the process, barely listened to us and took some various pictures. We were then sent a check for a small amount that was insulting and which barely covered or mentioned all that was damaged. We have called and emailed repeatedly to reach our contact Brandy over the past 2 1/2 months and she never responds. We have submitted all receipts and quotes to fix the ceiling, floors, lanai, roof, windows, etc., and they will not return any calls or emails. We did not cash this check as it will not cover anything and it is terrible how they are treating us. We need to do to fix our home. Meanwhile Mold is growing and putting our family, children, etc. in harms way. This is ridiculous.

  Business response

  01/27/2023

  Thank you for your inquiry, we apologize that you had trouble reaching the examiner.
  The claim has been reopened and a reinspection is being requested. The claims examiner and field adjuster will be in contact with you.
  If you have any further questions at this time, please let us know.

  Business response

  02/08/2023

  Thank you for your inquiry.  An adjuster reinspection of your home occurred on February 4th.  Additionally, a mold protocol inspection was completed on February 6th.  When we receive the results back from the two inspections, the claims examiner will contact you.
  Thank you.

  Customer response

  02/09/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. We will continue to work with you to make sure our claim is adequately investigated and reimbursed. We appreciate someone finally getting back to us.
  
  Sincerely,
  
  ******* ******

*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. ↩