Customer ReviewsforSouthern Fidelity Insurance Company

My name is ******, SFIC Claim Number *********** which was filed 8/28/21 after Hurricane ***. I was notified 10/6/21 that the claim had been assigned to Mid-******************** Services and an adjuster in my area was responsible for contacting me by 10/10/21 to set up an inspection. The adjuster showed up on 10/12/21 and told me I had roof damage on the rear of my house where it downslopes where the heaviest winds would have hit. He used chalk and **** lines and numbers, from what I could see. On 11/4/21, I received a loss check, minus my deductible, made out to myself and my mortgage company. I immediately called my roofing contractor to request him to repair my roof. He was backed up so I tried calling around to no avail. My roofing contractor finally made it out mid March 2022 and said there was no repairing this roof. The shingles seal had been compromised due to the shingles sustaining winds exceeding their warranty. I needed a new roof! He worked up a new quote for me and I was able to get a desk adjuster on the phone who seemed very helpful. She instructed me to e-mail the quote immediately and they would get to it hopefully within 2 weeks and mail the difference due me out by then. They were no longer sending adjusters out on these type requests. This was 3/25/22. Today is 4/29/22. Im e-mailing and leaving phone messages every day with no response. Its very frustrating when you want to know whats going on with your claim and are unable to get in touch with anyone at all! Its almost hurricane season and I need a new roof! I have asthma and now have a continuous cough and headaches I assume from mold and mildew coming from the new stains on the ceiling. I do know that LA Insurance commissioner ************************* has a law in place meant to protect homeowners from long waits. Guess its time to notify him as hes requested! I would avoid this company at all costs.

Hi ******, I have reached out to our ***************** and requested a supervisor contact you ASAP regarding your claim. If you have any questions, please give us a call ************.

No one calls you back , emails you back , leave voicemail twice since February 2022 still no call .I wish I can just get the money to fix my house from ***

Hi *****, I have reached out to our ***************** and requested your representative contact you ASAP regarding your claim. If you have any questions, please give us a call ************.

Be careful with this company, we have a policy and they will not call us back or tell us if our claim is approved or not. The roof is damaged, leaking and now mold has developed becoming a health issue. Their inspector/adjuster saw all this when they did their inspection in November and they still won't tell us anything. We keep calling and being told to leave a message for ************************* and never allowed to talk to a manger or supervisor. Our claim # is 12*******23.

Hi ******,I apologize for the lack of communication. I have reached out to our claims department and requested they contact you with an update. If you need anything else, please give us a call at ************.

I have been homeless for almost 4 months since hurricane ***. Still am not able to speak to someone regarding my ALE. How can you insure something you have no control over, i.e ..my bank balance at the time of the disaster . I am seeking clarification on **************** of Use because it appears to be moonlighting as insurance when it is in all actuality a "repayment plan" contingent on the amount of money I have and am able to spend at the time of the disaster. To be insured I would need to have payed the last three months hotel stay out of pocket and be reimbursed, correct?Good ***** Agreements R.S. 22:1973 (1) . Fair dealing goes hand in hand with good faith when under contract. Fair dealing is not just honesty, fair dealing requires that a party cannot act contrary to the spirit of the contract even if you give the opposing party notice that you intend to do so.("incurred ") When the court system is determining if a party has breached a contract they have to look to see if the parties have upheld the duty of good faith and fair dealing. Your dealings in this matter have not been in good faith or fair. That puts you in breach of contract and in violation of ********* Law

Hi ****,I apologize for the lack of communication you have received. It looks like this was paid out shortly after the review was submitted. If you should need anything further, please give us a call ************.