Business Profile

Insurance Companies

Homeowners Choice Property & Casualty Insurance Company, Inc.

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Complaints

This profile includes complaints for Homeowners Choice Property & Casualty Insurance Company, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

14 total complaints in the last 3 years.
4 complaints closed in the last 12 months.

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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.

Initial Complaint
Date:10/03/2024
Type:Sales and Advertising Issues
Status:
ResolvedMore info
Complaint statuses
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 filled an insurance claim for a damaged roof on August 15th. I never heard anything from my adjuster until i had to call in and request to speak with her supervisor. Her supervisor contacted the day of request and informed me i would have an update on my claim the same day which didnt happen. However i got a email from my adjuster the next day of a check being sent with no guidance of what to expect next or what was covered. I have tried to reach back out to the supervisor at her direct number provided but have been unsuccessful. I decided to proceed to get my roof done and pay the difference since my contractor informed me my estimate left out the accurate square foot and materials that were needed for the job. Once completed i emailed my adjusted completed photos to obtain my depreciation fee back and have not heard from her since. This whole process has been a nightmare
Business Response
Date: 10/09/2024
Case #: 22375116

Homeowners Choice Property & Casualty Insurance received the claim on August 16, 2024,regarding hail damage. A field inspection was conducted on August 17, 2024, which revealed damages to the roof, two screens, interior garage drywall damage and some vinyl siding. We issued a payment for the damages, and the examiner tried calling the customer, but there was an apparent connection issue. The examiner emailed the customer the estimate.

We received a completion invoice and photos from the customer on October 1, 2024, and issued the recoverable depreciation, the ordinance and law and a supplement amount owed per the field adjuster and contractors estimate on October 5, 2024.

Thank you for bringing this matter to our attention and allowing us the opportunity to respond.
Customer Answer
Date: 10/21/2024

Better Business Bureau:
A lot of information shared in your response is inaccurate. The adjustment attempted to call me only once, after i reached out to the manager about not receiving a call. Which was a connection issue and she followed up with a email of a check being mailed but as i stated no directions were given. Also i send the final invoice on 10-1 and she called me back after this complaint was submitted on 10/9 the check was mailed the next day 10/10. However,
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me because i received my payments but i wish the experience was way better and the lack of accountably was there in the company behalf.

Sincerely,

******** ********
Initial Complaint
Date:09/05/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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 August 14, my home experienced a flood, and I immediately filed a claim the next morning. An adjuster was sent out on August 16. Since then, I have had no direct communication from the insurance company. I've called daily, with no update until August 27 when I was informed someone had been assigned to my case (****** *******). Despite leaving several voicemails (once a day) between August 27 and Sept 4th, I have not received a call back from ******. I requested to speak with a supervisor Friday Aug 30th, but was told they were unavailable and that my request would be escalated and a supervisor would call in 24 hours. Still, no one has contacted me. I made another attempt to speak with a supervisor on Wednesday Sept 4th and was told he was unavailable and this would be escalated again with a call back in 24hours. I requested to speak to a manager and was denied twice. It has now been three weeks since the flood, and I am seeking assistance in contacting someone at Homeowners Choice to understand the status of my claim and next steps.
Business Response
Date: 09/20/2024
Thank you for contacting us regarding the status of your claim. From review of your claim, in addition to a field adjuster being assigned, we immediately enlisted a mitigation vendor to complete an inspection and assist with potential water mitigation services. We were also able to speak with you to go over any concerns and explain the claims process. Further investigation has been pending the mitigation vendor inspection. We see that you have had the opportunity to follow up with the mitigation vendor and have scheduled them for September 21, 2024, to complete their inspection. We will be able to further review your claim to finalize the coverage determination once we have received their report.

We appreciate the opportunity to respond to your concerns and hope this information has been helpful. Should you have any further questions or concerns, you may contact us at [email protected]
Customer Answer
Date: 09/25/2024

Complaint: 22242901

I am rejecting this response because: Yes, I believe we both agree that the mitigation by ADS was necessary and recommended. However, that wasn’t the issue at hand. The main concern was that I could not get a response on whether the damages that would be caused by ADS during their work—such as tearing up my floors—would be covered. I did not receive a single call or email from the desk agent or supervisor assigned to my claim for 30 days, to clarify confirm this important detail.

From the time the claim was filed on 8/14 until 9/17, I received no communication by phone or e-mail pertaining to the question. It was only after I reached out to the BBB that I finally got a response a month later. Even now, I still haven’t received a phone call from an agent to guide me on how to navigate the claim or what the next steps are. Mitigation has now been completed by ADS, and there’s still no follow-up. I’ve emailed requesting guidance on what to expect going forward. Please advise.

Sincerely,

Danielle Frost
Business Response
Date: 10/03/2024
We are sorry that you feel your concerns were not fully addressed. Your claim file reflects your conversations with a claims representative on August 16, 2024, and August 26, 2024. The claim examiner attempted to contact you on September 3, 2024, and September 4, 2024, each instance the call went directly to voicemail, and examiner left you a message. A claim supervisor attempted to contact you on September 4, 2024, and September 5, 2024, also leaving you a voicemail message. We also show a phone call from you to the Claim Examiner on September 5, 2024, at which time he explained ADS services. On September 17, 2024, we received your attorney’s letter of representation. We will continue to work with them to resolve your claim and recommend you reach them directly for further updates.
Initial Complaint
Date:05/15/2024
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
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 mortgage company paid my old HO insurance company - Homeowners Choice Property and Casualty for 2024 out of my escrow account. I changed HO insurance companies effective 2/9/24 and I have been trying to get the amount returned to me since then. According to Homeowners Choice, they sent refund checks to me on 3 occasions but I never got them. I asked them to send the money directly to my mortgage company. They said it was sent on 5/3. Now my mortgage company hasn't received it yet. I'm beginning to think that they are just lying. My mortgage company has increased my monthly payments because I have an escrow shortage. I just want my $3992 back.
Business Response
Date: 05/28/2024
The initial policy refund was processed on February 20, 2024. Per the insured, the refund was not received. A stop payment was issued on April 4, 2024, and the refund was issued a second time on April 5, 2024. We were then advised that the second refund was not received and issued a stop payment on May 1, 2024. The refund was then issued lienholder, Freedom ********************* on May 3,2024.

To allow **************************** additional processing time, we advise to wait until May 23, 2024,to confirm the payment has not been received. Should **************************** not receive the payment by this date, we will issue another refund and overnight it directly to the policyholder.
Customer Answer
Date: 05/31/2024

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. Freedom Mortgage received the payment and applied it to my escrow account.

Sincerely,

*********************
Initial Complaint
Date:04/26/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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.
Currently, we have a homeowner insurance claim pending with Homeowner Choice Insurance Company, claim number ******, Policy number HCPCI-547045-01, insurer *********************. While we were in ******** assisting ********************* and eye surgery and working our lawnman called us to tell us it was a note on the door from the water department about excessive use. We they instructed him to turn the water from the street. We called my son and *************** grandson to go in the house, after inspection they saw water damage and some mold near the source of the leak. From ******** we brought a shop vac and dampers for them to get the water up. The next morning, we submitted the claim with 800 number listed on policy. They instructed us to do what we can to prevent further damage, which we already did, and to not move anything until the inspector came. All of this transpired on February 27 and 28, 2024. The policy is a non-owner occupied policy because *************** only come during the summer, but her son and I live in the house full time. This company has done nothing but slow walked this claim, and in doing so the mold has now gotten worse leaving the house unlivable. We have pay for Loss of Use with this policy to provide for temporary housing until repairs are completed. It is the end of April, we are homeless and they have been trying not to approve the housing. Theres nothing but Excuses. Per the policy, the insured by definition You and residents of your household (1) your relatives; or (2) other persons under the age of 21 and in your household who is your relative. At this time we need housing approved, we have been homeless. And the claim should be moving forward to begin clean up and repairs. *************************** has left us responsible to deal with this due to us leaving here full time.*******************, son ****************************************, daughter in law *********************, ************
Business Response
Date: 05/02/2024
Thank you for reaching out regarding your concerns surrounding the status of your claim. We are sorry to hear about your experience with Homeowners Choice thus far but are committed to ensuring a positive outcome. From review of the file, the claim was inspected by the field adjuster in a timely manner, and Homeowners Choice immediately assigned vendors to complete a leak detection inspection and a mold inspection. Unfortunately, because your family was tending to a matter out of town when this claim was reported; the assigned vendors were not granted access to complete their inspections until April.

We have completed the coverage investigation and payments have been issued. The assigned examiner will follow-up with you to further discuss the coverage determination and continue efforts to resolve any outstanding matters.

We appreciate the opportunity to respond to your concerns and hope this information has been helpful.

Should you have any further questions or concerns, you may reach us at *********************************
Customer Answer
Date: 05/02/2024

Complaint: 21628063

I am rejecting this response because: Yes, we were out of town dealing with a health issue of ************************* having surgery. However, her grandkids made themselves available for all inspections, the last inspector did not show up causing her grandson to miss school. After that, we rushed back to handle everything. This to was reported to the company. We are homeless and need our temporary housing, receipts, contractor estimates and emergency measures receipts provided. We are small business owners and this is causing a financial harmful. They are in violation of our contract with them. They have a lack of understanding this type of policy that took over from Citizens Insurance. They past the required 60 day limit per state law. They fail to communicate per state law. They delayed and delayed with a drying company in the house for a month which made things worse. Because its water damage, our family is due temporary housing that we pay for. The amount of damage to the house and the amount paid is not even sufficient to complete one room. Our whole house is unlivable. Issue that need addressing: temporary housing, review contractor estimate, payout out of pocket expense ( living expenses and emergency measures), and personal property claim.

Sincerely,

****************************************
Business Response
Date: 05/07/2024
Thank you for your follow up regarding your coverage concerns. Homeowners Choice does have a clear understanding of the Citizens policy and we are aware that your home is unlivable due to the widespread mold. Unfortunately, we are bound by the policy provisions and language regarding coverage and coverage limits. The examiner has discussed the payments and the policy coverages with you to help you better understand what coverage is available in these situations.

We have received the documents you have submitted and are in the process of reviewing them. An examiner will follow up with you to discuss the supplemental process and continue efforts to resolve any outstanding matters.

We appreciate the opportunity to respond to your concerns and hope this information has been helpful.

Should you have any further questions or concerns, you may reach us at **********************************
Customer Answer
Date: 05/08/2024

Complaint: 21628063

I am rejecting this response because: Again the cause of the damage to the entire house is water. The entire house has to be gutted, wood floors, walls, kitchen and bathrooms once its gutted because of the water damage and secondary cause of mold has to removed. At that time, it will be unlivable and now an empty shell with no kitchen and bathrooms. They know its water damage and should be granted Loss of Use and temporary housing. They are unethical by denying this claim and not granting our claim. Secondly, we submitted a contractors estimate to complete the work to house. The checks they claim they sent, not received yet, is not even a quarter of what it will take to put our house back in order.

Sincerely,

***************************************;
Business Response
Date: 05/14/2024
We understand the issues and concerns you have surrounding your claim and have done our best to answer them through the Better Business Bureau.

We generally find the best resolution comes from discussions with the examiner. We will relay your concerns to them and have the examiner reach out to set up a time for a conference to help find resolution to your claim.

Should you have any further questions or concerns, you may reach us at *********************************.
Customer Answer
Date: 05/15/2024

Complaint: 21628063

I am rejecting this response because: We have left two messages for a supervisor that will not return our phone call, poor communication per the state statute. The new claims examiner is rude. We have a water damage claim what allows for us to have temporary housing, replacement of personal property, etc. When the house is gutted, ie no kitchen, bathroom, floor or wallsyour examiner insinuate that we can live in an empty structure. At no point should anyone be forced to live in and construction unsafe zone. Unacceptable!!!!

Sincerely,

****************************************
Business Response
Date: 05/28/2024
To help expedite your concerns, a Claims Supervisor has spoken with the property owner. We are working directly with them regarding any additional coverage that would be owed regarding this loss.

Should you have any further questions or concerns, you may reach us at **********************************
Customer Answer
Date: 05/30/2024

Complaint: 21628063

I am rejecting this response because: They have been directly told to deal with me by ********************* about all issues dealing with this house. We are still homeless even after they talked with her, refusing to approve the temporary housing of the policy that we pay. Because of their incompetence and discriminatory practices we have contracted a public adjuster to help us receive the proper payout for our loss.

Sincerely,

****************************************
Initial Complaint
Date:03/18/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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.
"[Homeowners Choce] receives nearly 6 times the number of complaints than other insurers of its size." This is a direct quote from Before we start, here's a quote from a Policy Genius review in the Cons category. 1. (The skinny): Know who you're talking to. HCPCI farms out claims to a wholly owned middleman subsidiary, ******* ******. In-Depth: The claims phone number on the HCPCI website is a phone number for a different company, ******* ****** Services. Girston is a profit-making middleman. HCPCI takes your premium check. ******* uses HCPCI emails as if they're HCPCI employees. I only found this out by finding an SEC report online. 3. (The skinny): Hiding information. In-Depth: the adjuster won't share the engineering report or other documentation to verify how they came to their numbers. Upon repeated requests, our adjuster said, "We don't provide inside business." We simply wanted to be on the same page as the adjuster. Additionally, they won't provide their supervisor's contact information. We had to call *************** to find the supervisor's email and phone number. 4. (The Skinny): Your final destination is the ******************** In-Depth: As you look at one-star reviews on Policy Genius and other review sites, it's the marketing department that responds to your complaint. This is the final sentence in all of HCPCI's Policy Genius review, "Please reach out to us at ************************************ with your policy and claim number so that we may work to resolve this issue as quickly." Shout Out to the marketing team. We'll resolve this issue if you pay us the equivalent of the contractor's invoice: $50,860.
Business Response
Date: 03/27/2024
Thank you for contacting HCPCI regarding your concerns for the insureds claim. We are sorry to hear about the communication issues youve experienced to date.

We understand there is a discrepancy between estimates and will be happy to call you to further discuss and continue attempts to amicably resolve any outstanding matters. The assigned claims adjuster will reach out to you within 48 hours.

We appreciate the opportunity to respond to your concerns and hope this information has been helpful.

If you have any further questions or concerns, please do not hesitate to reach us at **********************************
Customer Answer
Date: 03/29/2024

Complaint: 21442549

I am rejecting this response 100%.

Sincerely,

***************************
Initial Complaint
Date:11/08/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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 had a covered incident in September 2023 which Homeowners Choice investigated and settled with us. They were suppossed to pay ** $4,900.54. We received, via e-mail, the settlement letter but never received a paper notification of the settlement.We also never received the payment they say was issued on October 5. We have been in contact with the company weekly since this started and they now no longer respond to our inquiries regarding payment.
Business Response
Date: 11/17/2023
Thank you for contacting us regarding your claim and payment. Unfortunately, the initial check that was issued on October 5, 2023, appears to have been lost in the mailing process. As discussed with you on November 8, 2023, the replacement check and payment letter has been mailed and should be received in the coming days. Please do not hesitate to call if the replacement check is not received within 10 business days.

Thank you for being a valued Homeowners Choice customer.
Customer Answer
Date: 11/18/2023

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,

*************************
Initial Complaint
Date:09/28/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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.
Refusing to pay on insurance claim. Looks like they have a long history of collecting peoples money but denying or extremely low balling them when their insurance services are needed. Worst kind of scumbags. Peoples homes are one of their largest lifelong investments. They are not doing their job and living up to their end of the agreement. White collar crime and fraud at the worst level. They literally play with a ruin peoples lives.
Business Response
Date: 09/29/2023
Thank you for contacting us regarding your Hurricane ****** claim. This claim was reported for flood damage sustained to your property from the passage of Hurricane ******. Unfortunately, your policy does not include coverage for flood/storm surge and includes a hurricane endorsement which has specific requirements for interior damage coverage. HCPCI inspected your property and coverage was afforded for the related wind damage caused by hurricane ******. The estimated repairs fell below your hurricane deductible. We have been in direct communication with ******************** and emailed them on September 28, 2023, requesting their estimate and a sworn proof of loss be provided as they have not been submitted to us at the time of our reply. We will be able to further review this claim once we have received the requested information. We look forward to continuing to work together to resolve your claim.
Initial Complaint
Date:07/26/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
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 been waiting months to find out what is the decision on my claim of mold all over my condo, and furniture. ****** warped, they had to rip out all walls to the studs.
Business Response
Date: 08/04/2023
Thank you for contacting us regarding your Hurricane *** claim. HCPCI inspected the dwelling and afforded coverage for water intrusion resulting from roof damage. The buildings condo association hired a contractor for mold remediation and covered the cost of the services completed by their contractor. The rebuild estimate submitted, greatly exceeds your policy limits; and is currently under further review.HCPCI is pending a list of damaged contents for review and conclusion and is happy to continue working with you to amicably resolve each concern that you have. Please send us any documentation you have for review to help expedite the process.

Thank you for bringing this matter to our attention and allowing us an opportunity to respond. I hope this answers any questions you may have.
Customer Answer
Date: 08/10/2023

Complaint: 20372334

I am rejecting this response because:
I appreciate you getting in touch with Homeowners Choice. They are still giving me the run around.
They have now given me another adjuster ****** who has to look at all the paper work I have sent
via e-mail. They just don't tell me a timeline when the claim will be paid.I have been with this company
for over 20 years. Nice how they treat long standing customers.
Thanks
***********************; claim 926537

Sincerely,

S Summa
Customer Answer
Date: 08/11/2023
Thank You for getting back to me. Today Homeowners Choice asked for the assessment from Belfor Company,

I sent it to them again and also gave them the number to speak to *******, he was in charge of the mold operation.

Let's see how long this takes! The hurricane was Sept 29. It's almost a year!

I truly appreciate your help.

***********************
Business Response
Date: 08/21/2023
Thank you for being a valued Homeowners Choice customer and for following up with your additional concerns. Further investigation is required to review and confirm any additional coverage that would be owed for repairs related to mold remediation completed by the building condo association, and your contractors estimate. HCPCI is pending a reinspection by the field adjuster, some additional information from your mold remediation vendor, as well as your list of damaged contents for review.
Thank you for bringing this matter to our attention and allowing us an opportunity to respond.
Customer Answer
Date: 08/28/2023

Complaint: 20372334

I am rejecting this response because:
An update on my claim. The field adjuster went out to see my condo MV 608 and I have sent them my list of damaged contents.

I'm still waiting for funds to pay for the damage from Hurricane *******

I have not heard from them since the field adjuster was there. No one gets back to me!

I'm still waiting for a settlement!

Thanks for your help!

***********************
Business Response
Date: 09/05/2023
Thank you for contacting us regarding your Hurricane *** claim follow-up. HCPCI received the list of contents,emailed on August 26, 2023; Unfortunately, we are still pending photos and additional information regarding your contents to resolve that portion of your claim. The field adjuster reinspected the property on August 17, 2023, and has submitted their report, which bolsters the findings of the first inspection. We recommend contacting your ***************** for assistance regarding the remediation work performed by their vendor of choice.

Once we have received all the requested information regarding your contents claim, we will expedite our review to finalize your claim file.
Customer Answer
Date: 09/12/2023

Complaint: 20372334

I am rejecting this response because:
Today I received a letter dated 7/31/2023 it is August 28 2023.

They are asking me for a copy of mold pretest and mold remediation estimate and a mold post test. I have been in touch with my President

of my association and he didn't have to do this and he has the same company for his Insurance. I have sent them everything I had more than 3 times

I'm 72 years old and they are taking advantage of me. I don't understand what they want. The company that did this work was ******. I have given them

the phone number of the man in charge *******. I told them to call him since he is the Manager over the project. I also left a message with ************************

Did not hear from her yet!

Thank You for your help!

***********************

Business Response
Date: 09/15/2023
Thank you for following up regarding your Hurricane *** claim. The letter you have referenced having received on August 28, 2023, was a follow up to your conversation with the examiner on July 31, 2023. Since that conversation, we have reinspected your property and the examiner spoke with both you and your daughter on September 12, 2023, regarding the results of the reinspection. We were able to discuss your concerns regarding mold coverage, and you were advised that a supplement payment will be issued once we have revised our estimate. We are slated to touch base again on September 20, 2023, to go over the supplement payment and answer any additional questions you may have; however, please contact us at any time before that should you have additional questions.

We greatly appreciate your time and look forward to a speedy and amicable resolution of your claim.
Customer Answer
Date: 09/22/2023

Complaint: 20372334

I am rejecting this response because:
I still have not heard from Home owners choice and it is now Thursday. I have sent an email saying
you were suppose to get to back to me on Wednesday of this week.
Still Nothing!

Sincerely,

***********************
Business Response
Date: 09/25/2023
Thank you for following up with your Hurricane *** claim.We appreciate you taking the time last week to discuss your claims current status. As discussed during your conversation with the Examiner on September 22, 2023, HCPCI received the revised estimate September 21, 2023. The supplement payment has been issued and the supplement letter with the estimate has been emailed to you. At this time we are pending the requested additional information regarding your damaged contents. Thank you and please let us know if we may be of any further assistance in this matter.
Customer Answer
Date: 09/26/2023

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.
I have received email saying they are paying for damages for mold and texture painting. Just waiting for checks!

Sincerely,

***********************
Initial Complaint
Date:05/04/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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.
A claim with our homeowners insurance was filed the first week of February 2023. Our basement had water damage, and was told it would need extensive work to be rid of the bacteria infested walls, and flooring. The adjuster was sent out to our home to review, and an estimate was given. Once we also had 2 separate companies come out for estimates it showed that the adjuster did not account for enough of the damage, so a new estimate needed to be done. This is after several weeks of unanswered phone calls were made to the adjuster directly, and also to the company, to which there was still no status update on our claim. Once I called and complained to the supervisor, I finally heard from the adjuster, to which he then told me the total for payment was significantly less than what it needed to be, due to him not having the updated estimated price approved, due to lack of organization and communication on his end. He "forgot" that the other adjuster was sent out for the new estimate although he was the one who made the appointment for him to come back out to our home. Needless to say, the remaining amount for the payment has still not been submitted for review, and it has been 14 business days since I have last had contact with him. I do not have any copies of contact, but was made aware each time that I called the company that my call is being recorded.
Business Response
Date: 05/12/2023
Thank you for your inquiry. This claim was reported on January 30, 2023. The field adjuster inspected and wrote an estimate for the visible water damage observed at the time of the inspection. Field adjusters do not have credentials to prepare estimates for bacteria infestation remediation. The claim process allows for supplements to be submitted for any additional damage resulting from mitigation and remediation services completed; or services determined to be required after the filed adjusters initial inspection; and a reinspection is commonly required. A supplement payment has been issued based on the mitigation and remediation supplement estimates submitted by the insureds restoration contractor. A supplement payment will be issued based on the field adjusters reinspection estimate. Thank you for bringing this to our attention and allowing ** the opportunity to respond.
Initial Complaint
Date:03/30/2023
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
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I am looking for a refund of my first payment to cdc that was forwarded to Homeowners choice who bought out or took over cdc homeowners insurance . After giving my first payment homeowners choice took the money with no insurance .I obtained insurance from another company after calling my agent and them telling me I didnt didnt have insurance ..To insult me further they sent a bill 11 months later for full payment ... Homeowners choice stole a lot of down payments with little to no penalties.. My down payment given was only *****.. This should all be investigated and refunds sent out ..***************
Business Response
Date: 04/11/2023
Tahnk you for your inquiry, The home was insured by United Property &Casualty Insurance Company with the effective dates of December 1, 2021,through December 1, 2022. Homeowners Choice assumed the policy from United Property & Casualty Insurance Company on January 15, 2022, and as a result, United transferred to HCPCI the unearned premium in the amount of $97.50.
The policy was in-force with Homeowners Choice from the date of January 15, 2022, through March 1, 2022, at which time the policy cancelled for non-payment as additional funds due were not received. Since coverage was provided from January 15, 2022, through March 1, 2022, a refund of premium is not applicable.
We have also discussed this decision with the insured's agent and advise they contact their agent with further questions.
Please feel free to contact us with any further questions.

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Homeowners Choice Property & Casualty Insurance Company, Inc. is NOT a BBB Accredited Business.