Customer ReviewsforTypTap Insurance Company

Terrible company. We had a water leak. After 3-4 months of run around we had to hire legal representation. Took 18 months to get 75%, their initial offer was about 40% and didn't even cover the most basic repair, with zero for personal items, replacement housing or storage costs. Luckily we were able to repair the house ourselves, but TypTap counts on most not being able to do that. Shouldn't even be licensed to provide insurance if they don't actually pay what they contractually signed up for. In comparison, we had a water leak on another house covered by State Farm and they cut us a check for 100% in about 3 weeks.

I would rate this company a minus 10 if I could! Take a look at the previous reviews before you do business with this piece of crap company and do yourself a favor and go somewhere else. They hire a third-party company (******* ***** ********) to negotiate their claims and they are the most rude, condescending and unprofessional morons I've ever talked with. I contacted TypTap customer services directly for status and they couldn't provide me anything other than to transfer me to ******* ***** ********, their piece of crap third-party, for claims. I contacted TypTap Customer Service after I talked with the ******* rep to complain about their rudeness and the TypTap rep said there was nothing they could do. They deserve each other! TypTap is a low-ball payer when it comes to paying claims, that hides behind a third-party negotiator when it comes to working with its customers and are among the highest cost insurers in Florida. The goal for both companies is to pay less than half of what it will cost to get your home repaired. But don’t take my word for it, just look at the other reviews saying the same thing I am. My insurance costs have more than doubled in three years. Both of these companies are a joke and should be put out of business! Do yourself a favor and find a different insurance company.

My wife and I pay a substantial premium through typtap for our home insurance, as our home is historical and no other insurers would quote us. I understand that there is risk associated with insuring an older house, and I assume that they roll that risk into the premium they charge me. All of that is understandable; however, when hurricane Nicole blew the stucco off of our house and water was able to intrude and create water damage, we were told that they could not cover the claim as our policy did not include water damage -- even though the wind from the hurricane caused the initial damage (documented with images) and we filed a claim while Florida was in a state of emergency mandated by the governor. Their inspector they sent to evaluate the claim took a handful of photos and seemed more like he was going through a formality. A private inspector we hired afterwards went over the same areas he covered and determined that had the wind damage not occured, neither would the water damage. This is a typical run-around they give to homeowners who file during a hurricane -- that they are not covered for water damage. We are currently in litigation with this company and once a settlement is provided to my wife and I so that we may begin to repair damages (which we have already started with money from our own pockets) I will be filing a formal complaint. Again, the price of the premium is of no issue to me, but preying on their own customers when it comes time to pay is criminal behavior and I would like to see something done on a grander scale.

8 customer reviews, all one star, and wishing they could give zero stars. I agree. Not sure how they stay in business. Biggest problem is they sub-contract their claims to ******* ******, probably the most incompetent group of people I have ever dealt with. Below is part of the agreement between TypTap (TMC) and *******. If they can't even deal with their customers themselves, what does that tell you? What kind of customer service is that? They are not customer oriented, only in it for the money. Look elsewhere for your insurance needs. 1. Services. TMC grants ******* the authority to investigate, evaluate, handle, adjust and settle each claim assigned according to applicable state law, the terms and conditions of the policy and any written standards that may be provided by TMC in addition to the provisions of this Agreement. During the term of this Agreement, ******* shall be the exclusive provider of Claims Services for all reported and assigned claims of TMC for policies of insurance written by or through the Company. ******* will provide the services and general management of these Claims Services described herein for subject claims as follows:

I wish 0 was an option because that is what is a well deserved review number for this insurance company. Lowball recovery numbers post Ian. Nothing but difficulty and frustration.

So, when are you guys going to call us about our claim. We thought we were getting closer when the Florida Department Financial Affairs got involved… yet you still choose not to call us. Reaching back out to the hem today, to let them know you did not reach out as promised. 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. What you guys are doing has to be illegal and considered fraudulent. Jan ***** and Christina from Matlacha 33993.

I recommended every person do not purchase Tip top insurance because the old a scam I have hurricane claim almost 4 months them on at Robertson never answer the phone I switch with operator. Nobody give me the supervisor number I call everyone nobody answer the phone. I’m still fighting for the different check this steal from me. I have an estimate I sent it to update it nobody updated and now I’m still fighting with him. This is the worst company. I see it in my life. they are nice when you purchase Home insurance from him but when you have a claim you never got your money.