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 Find Local Branches.

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Homeowners Choice Property & Casualty Insurance Company, Inc. has 3 locations, listed below.

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• 

  Homeowners Choice Property & Casualty Insurance Company, Inc.

  3802 Coconut Palm Dr Tampa, FL 33619-1352

• 

  Homeowners Choice Property & Casualty Insurance Company, Inc.

  PO Box 22967 3802 Coconut Palm Drive Tampa, FL 33622

• 

  Homeowners Choice Property & Casualty Insurance Company, Inc.

  PO Box 23177 Tampa, FL 33623-2177

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:02/09/2023

  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.

  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

  Date: 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 Answer

  Date: 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

  Date: 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 Answer

  Date: 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

  Date:12/21/2022

  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.

  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

  Date: 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 Answer

  Date: 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

  Date: 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 Answer

  Date: 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 *****************************

• Initial Complaint

  Date:11/28/2022

  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.

  my house had some significant damage from Hurricane ***. I called in to report damage the day after storm. Your company was pretty quick to send adjuster out after hurricane but thats it. I have been told week after week, day after day that I would be receiving a call and check along with explanation of claim amounts I would be receiving. My shed and home roof has been exposed to the elements since the hurricane and no one seems to even care. They did not even offer to come out and tarp. My fence is a mess along with my back lanai/porch. I have other areas of damage as well. I am waiting on insurance to see what is covered and the amounts before starting work. I need my money to do so ASAP. This is absurd it is taking so long. I call almost daily and get nothing but the run around. I am told someone will call me back but thats a lie! I have asked for supervisors names but they are useless as well. They have never responded back to me either.

  Business Response

  Date: 12/19/2022

  Thank you for bringing this matter to our attention and allowing us an opportunity to respond.
  We are sorry that you had trouble getting updated information on your claim.
  As per your conversation with ******, settlement has been provided for your claim damages.
  Please let us know if anything else is needed.

• Initial Complaint

  Date:07/05/2022

  Type:Product 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.

  In March I contacted them to file a claim for water damage from the bathroom to the basement floor, resulting in mold and mildew build up on rotten/unstable wood flooring/supporting beams. An adjuster was sent out who took pictures of damages and a leak detector was sent out to find the source of the water damage. I have yet to hear the exact cause of water damage, but in April I received a check with an email explaining what the check covers. I have no used the check, because the amount is not nearly enough to cover repairs. I had 6 different contractors and plumbers look at the affected area, and gave me their rough estimate of what it would cost. I've called and emailed and no one has gotten back to me. I've spoken to Tony T******* from Griston claims, Nikki B******* from Wiser insurance, Paul H******* from homeowners choice, and others, but none of them have returned my calls or emails. The flooring is only going to get worse and the structural damage is my biggest worry.

  Business Response

  Date: 08/01/2022

  Business Response /* (1000, 5, 2022/07/15) */ Homeowners Choice Property & Casualty Insurance Company ("HCPCI") inspected the loss and provided an estimate for repair along with payment based on that estimate. Based on the statement through BBB, it appears some contractors have advised that there is additional damage or that repairs will cost more. HCPCI has requested the estimates from these contractors so we can review the additionally claimed damage. As this investigation is ongoing, we look forward to evaluating once that information is provided.