ComplaintsforHarvest Insurance LLC

• Initial Complaint

  01/23/2024

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  Wanted a quote on Home owners insurance. I got the quote by email. The quote was higher than i was paying currently for insurance. I emailed agent back and said thank you for the quote but that is higher than we were paying currently. We received a letter in the mail saying they were getting with our lender about the new policy and wanting to get a check cut to them. I never gave them my lender info but they had it some how but they only had the lender name and address. It did not have our loan account number. We are contacting our mortgage company to let them know to not pay this company. Harvest says i need to talk to ***** to cancel policy but i guess he takes lunch all day long because that is their excuse when i ask to talk to him. I do not want this to happen to anyone else so stay away from Harvest Insurance. I want the quote cancelled along with whatever else they have sent to my mortgage company.

  Business response

  01/31/2024

  Hi **,

  We apologize for any confusion that has incurred during this experience. We know insurance is a tricky market to navigate, and we are very sorry to incur any stress to yourself.

  After reviewing this matter, there seemingly was some confusion on both ends, which we are deeply sorry for. When you gave the okay to bind the policy, the quoting software added on an additional coverage that we had previously removed, giving the original price. When we take a quote from the stage of a quote, to an application, there is a bug on the portal that resets the changes that the agent made during the quote stage. This is why there was an increase on the policy compared to what was originally written. We had created an endorsement to correct the wrong, and to bring the price back down to the original quoted price.

  We understand that you want to discontinue doing business with us. I have attached proof of the cancellation of the policy to this response. We are truly sorry for the confusion that incurred due to this mistake. 

  We would love the opportunity to make this right, but understand the current state of frustration.

  The policy has been flat cancelled and discontinued. Have a great rest of your week.

  Customer response

  01/31/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business and its not even what happened but understand they must reply and make it sound like a glitch and misunderstanding.  That is BS. Do not ever use this company.  If it was a glitch then they should not have send my mortgage company a bill to collect money..  I bet you would have cashed the check.  Don't blow smoke.   
  
  Sincerely,
  
  *******************

• Initial Complaint

  12/19/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  This insurance agency received a refund from the insurance company that was supposed to be forwarded to me. Instead, the agency cashed the check on 11/14/23 and has lied to me ever so since about the funds. They insisted that the insurance company never provided the refund and that they were checking every day. I spoke directly with the insurance company and they verified that Harvest did in fact receive and cash the check on 11/14 and that there was no way that Harvest was checking on this with them or they would have advised that they had already cashed the check.

  Business response

  12/28/2023

  Dear ***,
  We understand the frustration you've experienced regarding the refund process. We sincerely apologize for any inconvenience caused by the delay and any miscommunication that *** have occurred.
  Upon receiving your complaint, we thoroughly investigated the matter and would like to provide you with a detailed explanation of the situation. After initially reaching out to the insurance carrier for the refund, we were informed that a re-issuance was necessary due to certain procedural requirements. We diligently followed up with the carrier, expecting the revised check to be issued promptly.
  Regrettably, there was a delay in the communication between ********** and the insurance carrier, leading to confusion regarding the status of the refund. We acknowledge that this created frustration on your end, and for that, we sincerely apologize.
  Upon confirming the status of the re-issued check, it became apparent that it had already been cashed. This information was promptly communicated to our team, and we expedited the process to issue a full refund to you. The refund, in the correct amount, has been processed and should reflect in your account.
  We understand the importance of transparent communication, and we regret any confusion or inconvenience this situation *** have caused. Moving forward, we will take steps to enhance our internal processes to ensure a more seamless experience for our valued clients.
  If you have any further concerns or questions, please do not hesitate to contact our customer service department at ************. We are committed to addressing any remaining issues and providing you with the support you need.
  Once again, we apologize for the inconvenience and appreciate your understanding in this matter.
  Sincerely,

  Harvest Insurance, LLC

• Initial Complaint

  06/30/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I purchased a homeowner insurance policy for ****************** from the Harvest Insurance LLC/***********************, ********** located at **************************************************************************. However, I received a check back from ****************** for non compliance. They asked for the 4 point inspection and it was completed. Nonetheless, Harvest Insurance failed to comply and send the 4 point inspection report to ****************** and the latter canceled my policy. I attempted to get in touch with the agency and for three days I was hung up on numerous times, placed on hold for an hour at a time by management (****). This is dishonest, and unprofessional to have the homeowners policy cancel due to the negligence of your agent.

  Business response

  09/12/2023

  ************,

  First and foremost, I want to express my sincere apologies for any inconvenience or frustration you *** have experienced as a result of this situation. At Harvest Insurance, we take customer concerns seriously, and I assure you that we are committed to addressing your issue promptly and effectively.

  I have thoroughly reviewed the details of your complaint, and I understand your disappointment regarding the drop in your insurance coverage due to the inspection not being uploaded in a timely manner. I would like to take this opportunity to provide you with some insight into the factors that *** have contributed to this grievance.

  After further review, we fully acknowledge your diligent efforts in attempting to reach us to have this matter resolved, something that should have been taken care of with vigor and a prompt response from our Customer ********************** Manger at the time. At no fault of your own, rather ours, your requests fell through the cracks and we failed to address the issue, resulting in the loss of the policy. This **************** Manager no longer works with this agency due to similar issues arising.

  Thankfully, we were able to mend this issue with a new policy with Tower Hill. I want to again apologize for any stress or discomfort caused by this mistake. We are excited to have made this right, and we look forward to continuing our business partnership, if you so allow, in the future.

  Sincerely,

  Harvest Insurance, LLC

• Initial Complaint

  06/16/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  My homeowners insurance was set to renew 5/1/23. I got the typical 1+ month notice in the mail and there renewal was very high! So I called Harvest Insureance and was hoping to speak with **** the same agent I dealt with the past year. Well she no longer worked there. So I had a new agent named *******. She was nice. But young and green at her job. She would say she would call me back and wouldnt. She said she would send to underwriting and wouldnt. She said she either forgot because it was busy, or she was out sick. There was always an excuse. Well I ended paying in full to have American integrity insurance. So I would have insurance and it not lapse. Even though I wanted citizens insurance since it was cheaper. I voiced my frustration with ******* and she apologized and wanted to make it right and get me citizens since it was cheaper. So she was suppose to send to underwriting-I have no idea if she ever did. While I was on vacation ******* sent me a DocuSign to cancel American integrity, which I signed and sent back. Well come to find out Chealsea never submitted my DocuSign cancellation. I found that out after citizens sent me a letter stating I didnt have insurance with them. So I call harvest insurance and spoke with a guy named *******? think that was his name, he looked into my account and swore up and down I had insurance. He even emailed me a copy of the insurance declaration page. When I opened it up, It had expired 5/22 and it what another name of a ***********. That had some else policy scanned into may account. I had to call back again, which is a nightmare because most of the time no one answers the phone or you are put on hold forever. So I did speak to a supervisor and Im not sure of her name- maybe a ******? She did have an accent, she was nice and seemed to have a better understanding of what was going on. She said I did have my insurance still with American integrity because ******* never submitted my DocuSign of cancellation. Now this other supervisor was going to work on getting citizens insurance again. But she told me about a new insurance company they were excited about coming into Fl but they were only going to write maybe a **** policies starting early June of 2023 would I be interested. I said yes and she would call me back. Well I never heard a peep out her. And thinking I still had American integrity insurance. Well I get a phone call from my mortgage company on 6/15/23 saying I need to show proof of insurance. So I call my mortgage company and give them my policy number and they are the ones to tell me as of 6/13/23 I dont have insurance effective as of 5/5/23. I had zero knowledge of this being processed and was never offered other insurance from Harvest insurance. So how could I have paid for other insurance to make sure I did not lapse? So, now I. Being told by charncye that I am responsible for the $378 in lapse of coverage. This is all harvest insurances fault. They are totally in competent- as charnyce even said ******* was and thats why she is no longer there and there have been numerous customers this same type of situation has happened too. I even have copy of harvest acknowledging it was the agents fault. So harvest needs to pay my mortgage companies charge of the lapse of coverage charge. As this was not my fault at all. As I have done everything I was supposed to do to have coverage even paying $3411 in full to American integrity to have insurance

• Initial Complaint

  04/03/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I have been subjected to evasive conduct by ********************* and *************************** at Harvest Insurance right from the start. I was induced to believe that by changing my current agent from Citizens Property Insurance to *****, he would be able to offer me a significantly lower amount for my home insurance. However, every time I contact Citizens Property Insurance, they assert that Harvest Insurance (******) is not submitting the necessary documents required to evaluate my policy changes, such as the *** and my signature, which are mandatory to effect any modifications. ****** assures me that she is completing and forwarding the documents to Citizens, but the latter alleges that the documents are incomplete, and hence, they have declined my request repeatedly.I was informed that my insurance cost would be reduced to $3809 if the alterations were sanctioned. I am of the opinion that Harvest Insurance has been derelict in its duties, and hence, they ought to issue a check to me for the amount they promised that Citizens would pay, which is $1138. I demand that the check be dispatched to me within 3-5 business days; otherwise, I will resort to legal action against Harvest Insurance. Furthermore, I understand that many customers have been facing the same problem, which could lead to a class action lawsuit.For the record, my policy number is ********, and my contact number is **************. I require this matter to be resolved today.

  Business response

  04/26/2023

  incident details attached. 

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