ComplaintsforHomeowners Choice Property & Casualty Insurance Company, Inc.

• Initial Complaint

  05/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  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

  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 response

  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

  04/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  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

  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 response

  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

  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 response

  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

  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 response

  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

  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 response

  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

  03/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  "[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

  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 response

  03/29/2024

   
  Complaint: 21442549
  
  I am rejecting this response 100%. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  11/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  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

  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 response

  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

  09/28/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  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

  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

  07/26/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  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

  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 response

  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 response

  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

  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 response

  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

  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 response

  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

  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 response

  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

  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 response

  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

  05/04/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  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

  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

  03/30/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  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

  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.

• Initial Complaint

  02/09/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  It has been a nightmare dealing with Homeowner's choice in terms of being made whole on damage to my unit due to contractor error. The insurance adjuster initially got the adjustment incorrect (he neglected to give us an estimation for replacement of walls and ceilings, which were the primary things damaged in the unit), then it took almost two months to have this corrected. Now they are telling me that my contents are not covered, although I have $30k in personal property coverage. They are saying this event -- the flood that occurred by water coming down into my unit from a second floor flood above me -- is not covered. It has been pulling teeth to get any response from them, and we are at our **** end. Homeowner's Choice outsources their claim process to an outfit called ******* Claims, and they are horrible as well. We feel we have no recourse here. How can they cover the infrastructure of our unit but not the contents that were damaged by the SAME incident?

  Business response

  02/16/2023

  Thank you for your inquiry regarding your policy and we appreciate your frustration. However, the damages were the result of rainwater which pooled on the 3rd floor walkway and then flowed into adjacent units.  Your unit owners condominium policy provides named peril coverage for your personal property.  Unfortunately,there is no named peril listed in the policy which provides coverage for the contents in this loss.  In order for there to be coverage for damage to contents from rain, there must be a storm created opening to the building through which the rain enters.  As we discussed in our conversation of February 14, there is no coverage for the contents damaged in this loss.

  Customer response

  02/16/2023

   
  Complaint: 19372080
  
  I am rejecting this response because:  Although not a "named" peril, as mentioned, I simply do not understand how structural damage from the same event is covered, but not the personal property damaged in the same event.  Why in the world would I bother to get such a large amount of coverage for personal property if it would be limited to that extent (when, again, the structural damage was covered in the same event).  And as to my other point (which was not addressed), the delay caused by the adjuster's grossly erroneous original estimate has now created such a delay that I am likely to sustain loss of rental income as the repairs are projected to be completed in late May, which is into the rental season.  Unfortunately, I have not been able to market my property as I will not take money from potential tenants and run the risk of my unit not being completed.  So you have me in a no-win situation in that realm as well, as we have been told that unless we have a lease already in place with a potential tenant, we cannot reap lost income.  Well, this is a catch-22, since we cannot market the property (since, due to personal ethics, we cannot potentially mislead people when we are not totally sure when our unit will be completed); therefore, how can there be a lease.  I do have some leases later in the season, which, I sincerely hope, I will be able to honor. 
  
  Sincerely,
  
  *********************************

  Business response

  02/23/2023

  Thank you for your inquiry.  Regarding the denial of coverage for the contents, the contents are covered on a Named Peril Basis vs the structure is covered all risk unless excluded.  Unfortunately, the loss is not a covered peril under the policy for coverage of the contents.  Payments for the structural repairs were issued December 6,December 8, and January 10th .  Timely repairs should commence prior to May.  For loss of use coverage a signed lease to show the unit was rented should be submitted for consideration.
  

  Customer response

  02/24/2023

   
  Complaint: 19372080
  
  I am rejecting this response because:

  I have spoken with various other industry participants regarding my policy, and my contents should have been covered.  I will be seeking legal action and/or whatever remedy is available to me. 

  
  Sincerely,
  
  *********************************

• Initial Complaint

  12/21/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  We were affected by Hurricane ***. We contacted Homeowners Choice and filed a claim within a couple days of the hurricane. When we received the checks they were made out to the wrong mortgage company. A friend said his insurance company did the same thing to him so perhaps this is their tactic to delay payment. I have called them numerous times. I spoke to customer service last week for over an hour, she put me on hold numerous times to see if she could get in contact with the person handling the claim, she couldn't, she then tried to get in touch with his supervisor, she couldn't. She put in a request for an "urgent" call back to me. I never heard back. I called today and they went through the same routine. I've emailed the person handling the claim, *************************, I also called him and left messages, I include customer service and the claims **** in every email. They must be going to many people, all of them ignore the messages. I recently sent an estimate for more work that needs to be done and that email was also ignored. It is unbelievable. We have contractor's coming to do the repairs and no money to pay them.

  Business response

  12/30/2022

  On September 29, 2022, the insured reported a claim for damage from hurricane Ian.  A field adjuster inspected the property on October 6, and two checks for the damages were issued on October 10.  A letter was sent the same day.      
  
  The customer submitted an inquiry on October 14th stating Loan Depot was no longer their mortgage company.  The examiner requested a mortgage satisfaction document.  We received the documentation and a Stop Pay was initiated for the outstanding checks.  Once the bank has confirmed the Stop Pay has been completed, the checks will be reissued.      

  Customer response

  01/10/2023

   
  Complaint: 18622738
  
  I am rejecting this response because: We filed the claim in September, it is now January.  We have been told it's in process many times since we filed.  How long does it take to stop payment?  Please see the attached letter we received from them in October that was written on October 24 stating they have updated the mortgage company.  We were told the stop payment on the checks would be done once the mortgage company was updated, well, it's been almost 3 months since they updated the mortgage company.  We'll accept their response once we have the checks.
  
  Sincerely,
  
  ****** And *****************************

  Business response

  01/20/2023

  Thank you for your subsequent inquiry.Homeowners Choice Property and Casualty Insurance Company, **** has received the updated lienholder information.  The checks are being issued with the correct parties listed on the checks.
  
  Let us know if you have any further questions.

  Customer response

  01/23/2023

   
  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,
  
  ****** And *****************************

*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. ↩