Complaints

This profile includes complaints for SafePoint Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

SafePoint Insurance Company has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  SafePoint Insurance Company

  12640 Telecom Dr Temple Terrace, FL 33637-0935

• 

  SafePoint Insurance Company

  8761 N 56th St # 292547 Temple Terrace, FL 33617-6201

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:01/14/2025

  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 filed a claim with Safepoint Insurance that happened on September 30, 2024. It was reported to Safepoint on Oct 2, 2024. I got a check for $ ******* because I have a deductible of $2500. The cost to repair my kitchen is $ ******. I want to get the rest of the money in order to fix my kitchen from the water damages. I need a total of $15329.18 from Safepoint Insurance to repaired my kitchen. I ask Better Business Bureau to fight for me at this time.I received this settlement from Safepoint:Coverage A (Dwelling) Amount Replacement Cost Value $ ******** Less Depreciation (Not Withheld) (0.00)Less Deductible $ (2,500.00)Net Payment $ ********

  Business Response

  Date: 02/01/2025

  Mr. ******** claim was reported as water damage from a plumbing system. The insured's HO-3 01 23 policy provides coverage for water damage up to a limit of $10,000. SafePoint's initial payment for the covered damages was issued on December 9, 2024. After review of the insured's supplemental claim (public adjuster estimate), SafePoint issued the balance of the water damage limit on January 27, 2025.

  Customer Answer

  Date: 02/03/2025

   
  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 just received the check today on the mail.

  Thank you BBB for all your help and cooperation

  Sincerely,
  
  ****** ****** Salcedo ******

• Initial Complaint

  Date:01/02/2025

  Type:Order 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.

  I call yesterday to Safepoint and your representative says are no records but the record of my property *************************** has already been confirmed by ***** multiple times including under ********* and announced ******* ****** fake SSN *********** and 236-19-0000 illegal immigrant from ****** committed fraud by ****** ****** as ecw190514-01040. That their corrupt attorney ***** ***** received notice that I am the owner under ecw190712-05262. In addition ******** discovered myself as owner under case ********. Fatic has confessed they committed fraud under CFPB #******-16984624 and parks title have confessed they committed fraud under 241126-17160432. Also *** mortgage provided an unknown person as ***** ********* and Safepoint insurance needs to explain and disclose there involvement with my property.

  Business Response

  Date: 01/15/2025

  As we understand your concern due to fraudulent activity, we are unable to locate a valid policy with the address you have provided. The document uploaded that reflect SafePoint also shows at the top as "Sample Document". This is not something our company would have generated. We are more than happy to further research however if you can provide the policy number that is located on that document, it will better assist us with confirming that this information was or was not generated by our company. 

• Initial Complaint

  Date:07/09/2024

  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.

  In early July, late June a unannounced insurance inspector showed up to our house. Demanding my Wife accommodate his wish to inspect. Wife was scared, appeared like he wanted access to inside of the house. Wife politely refused. I don't care what kind of legalize insurance companies have in their contract: unannounced walk ins are not acceptable. In our case even more so since we generally work M-F and are not home. The insurance company has been a real pill in their accommodation, demanding a written permission letter to come back and making no promises about politely calling for an appointment. Terrible customer service built around their business model. The scam and shame is ******* has so few choices in regards to homeowners insurance.. Agent has told me they are supposed to call first, no call occurred.

  Business Response

  Date: 07/09/2024

  This response is in regard to your concern of an unannounced inspection order on your insured property. Our company did order for an exterior only inspection to be completed on your insured property in the month of June. We received correspondence from the inspector that when they approached your residence to introduce themselves, both homeowners declined the inspection being completed due to being too busy. At that time, the inspector explained that the inspection was only for the exterior of the home and again the inspection was declined. Due to the declination, our company issued an inspection conditions letter which is attached to this response. On 7/2/2024 we received a phone call from your agent of record inquiring on what required information was needed in order to have the inspection reordered. Our representative advised of the required information that is stated on the inspection conditions letter. On 7/8/2024, we received a phone call from you regarding the concern of an unannounced inspection on the property. Our representative explained that since the inspection needed is an exterior only and does not require access to the interior of the home, an appointment is not required which eliminated any advanced notice being provided. In order to prevent underwriting action from being taken on your account, we do require that an exterior inspection be completed. 

  Customer Answer

  Date: 07/10/2024

   
  Complaint: 21954884
  
  I am rejecting this response because: your response states both parties were present when inspection person arrived, false. I was not home, only my wife was home.

  If outside inspection only was needed why did inspector knock on the door?

  In any case, wife was not comfortable with inspector who approached the house. Which is why folks like a simple phone call in advance.

  As a curtesy and as is customary in the industry a phone in advance is expected.
  

  I have provided the written request demanded by your company to allow the inspection.

  Lets stop wasting time and get it done. Again, please call first as were not always home.
  Sincerely,
  
  *****************************

  Business Response

  Date: 07/17/2024

  This response is regarding your additional concerns. It is customary for an insurance company to order various inspection types on insured properties. Dependent on the type of inspection, an appointment is set when interior access is required. For exterior inspections, the inspector is advised to make their presence known by first knocking on the door to introduce themselves and provide why they are there. To further clarify, the inspection ordered to be completed on your insured property is exterior only and the inspector will make their presence known by knocking on your door. We will place a note with the inspection company to call however this call will be made just before they arrive to complete the inspection. 

  Customer Answer

  Date: 07/18/2024

   
  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.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:06/13/2024

  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.

  I have canceled my insurance policy with Safepoint before the effective date. I received a confirmation letter in the mail of the notice of cancelation effective 05/05/2024. Date of notice 05/01/2024. Safepoint said they mailed a refund check but it was never received. I've contacted them several times via phone with "we will get back to you". No replies. I received one email, telling them I never received a refund check for thier reply email saying that they mailed the original out offering no resolution. My mortgage has rebalance and I now owe the bank several thousands of dollars. Please send me my refund check. Use certified mail with tracking!

  Business Response

  Date: 06/13/2024

  In regards to your concern, one of our representatives attempted to contact you by phone yesterday 6/12/24. They were unable to leave a voicemail when the call went unanswered however an email was sent to you at ********************, regarding the status of the overnight refund due to your original refund never being received by you. A separate email will be sent to you today with the tracking number from the same representative. 

• Initial Complaint

  Date:05/13/2024

  Type:Billing 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.

  I received ******************* dated 8/30/23 for ******* and paid in full 10/11/23 over the phone with thier rep who stated that was the amount to pay in full. Now I just received a notice of cancelation for an additional payment for *******. Last year 2022 my entire bill was less than 4000. This is more than double with this extra *******. How can they just change the amount? I assume I will have to pay the additional amount just to make it through hurricane season. But this is deception and I would like my ******* refunded. Policy SFLD2003034. I have the bills but they would not upload, states too large of a file

  Business Response

  Date: 05/28/2024

  This is in response to your inquiry on the invoiced amounts due. The annual premium for the policy in question is $7159 however your policy is set up on a semi-annual payment plan. Due to this, the first invoice generated in the amount of $4363.80 with a due date of 10/16/2023. The second invoice for the semi-annual payment plan generated on 3/27/2024 for the amount of $2805.20 with a due date of 4/16/2024. Due to not receiving the payment by the due date of 4/16/2024, a pending cancellation notice was generated on 5/7/2024 for the amount of $2805.20 with a due date of 5/22/2024 to prevent cancellation for non-payment of premium. We received the remaining balance due on 5/17/2024 and the pending cancellation was rescinded. Attached to our response includes the original renewal declarations page, all invoices, pending cancellation notice, and the withdraw of pending cancellation. If you should have any additional questions, feel free to contact our customer service team at ************. 

  Customer Answer

  Date: 05/30/2024

   
  Complaint: 21702685
  
  I am rejecting this response because:
  The original bill states total amount. Then they refused payment of the additional amount until I signed an agreement to increase my payment.  Last year 2022 tp 2023 was only about $3600. This is like extortion. 
  Sincerely,
  
  ***************************

  Business Response

  Date: 06/06/2024

  We have reviewed your concern and found that you had reached out to our customer service department by phone on 9/21/2023 regarding the renewal packet and the separate invoice. It was explained at that time that your total renewal premium was $7159 and that the invoice was showing the due amount for the down payment of $4363.80. During this conversation, it was also explained why the renewal premium being offered had increased from the prior year due to a CTR being applied. At the end of the call, our representative provided the option to contact your agent of record for further assistance if needed. We received a call on 10/09/2023 from you in order to pay the invoiced amount due of $4363.80. We are unable to waive or refund premium due, during your active policy period. If you wish to discuss other premium options for your policy, you will want to reach out to your agent, ********** Insurance Group, at ************. 

  Customer Answer

  Date: 06/06/2024

   
  Complaint: 21702685
  
  I am rejecting this response because:  Safepoint keeps changing their statement. When I called to pay the entire amount due, I was told it was the amount I paid. Not any additional would be due.  When partial payments were accepted it was always half and half.  After they received my additional payment,  they have now chosen non-renewal.  
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:04/04/2024

  Type:Order Issues
  Status:

  UnansweredMore 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 28th, 2023, Citizens (my prior policy holder for homeowners insurance), sent a notification (Attachment PolicyholderDepopulationLetter_09989049_08282023_040654627000_NI), notifying me that an insurance provide, Safepoint insurance, for an annual rate of $3,170. We accepted this offer. Now that we are due to Bill for this coverage, Safepoint is now requesting a rate of $3,499. The biggest issue with this is, in *******, insurance providers can request a rate up to 20% higher then citizens offers, and I can't go back to citizens unless that happens. My insurance representative, Goosehead insurance, tried contacting Safepoint about this and the only response was "rates have gone up". This is a pure bait and switch tactic by this insurance company. I would like Safepoint to honor the rate they originally provided. Attachments below on new rates:-processed-C8BA0950-DA53-491B-9E4A-649A7AA400DA -processed-68AC7C58-05F8-4570-AF0A-0F01143C5E52

• Initial Complaint

  Date:08/17/2023

  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.

  Last year, I changed my home insurance from Safepoint to Allstate. As part of sign up, Allstate was responsible for cancelation of my Safepoint policy. They made contact with the Safepoint agent who was supposed to cancel my policy. This year, at time of my renewal, Allstate informed me they had not received payment. Apparently Safepoint had never canceled and my mortgage company NewRez had sent payment to Safepoint instead of Allstate. I had also been paying Safepoint all year through escrow for a policy that should have been canceled. Myself and my Allstate agent have contacted Safepoint multiple times to cancel my policy. I have repeatedly sent emails, which is what the Safepoint representatives over the phone said to do and they claim they cannot find a policy for me. I need this policy canceled IMMEDIATELY and this year and last years premiums refunded at once. I expect this to be taken care of asap.

  Business Response

  Date: 08/18/2023

  Good Afternoon Mr. ******,

  In review of your account, we first received contact from your agent of record on 8/7/2023 requesting system navigation assistance to review your billing account. On 8/11/2023 we received a phone call from you requesting to backdate your cancellation to the inception date. Our representative advised of the required documents needed in order to backdate the cancellation. Between 8/14/2023 and 8/17/2023, we did review the multiple email correspondences sent and received. As of today, we have received all necessary documents needed in order to backdate the cancellation to 8/16/2022. We have requested the refund check to be overnighted with a Monday delivery to the property address we have on file. If you should have any additional questions or concerns, please call us at *************

  Customer Answer

  Date: 08/23/2023

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

• Initial Complaint

  Date:12/22/2022

  Type:Order 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.

  SafePoint Insurance is our homeowners insurance carrier. Three months ago we filed a very simple and straightforward roof damage claim due to hurricane damage from Hurricane ***. This company initially sent out a field claims adjuster and since then has been totally unresponsive. We have gotten through to the office adjuster assigned to our claim, ********************* on several occasions and each time he promises to get back to us a day or two later but of course he never does. Today, I called their claims office and I was put on hold for fifteen minutes before the call was disconnected.

  Business Response

  Date: 01/04/2023

  The insureds claim was reported to SafePoint on October 2, 2022, as damage to their home from Hurricane *** that occurred on September 28, 2022.
  
  Our investigation of the claim included the initial contact with the insured on October 10, 2022, to discuss the loss and obtain all information to support the claim.
  
  SafePoint inspected the insureds property located on October 14, 2022 to document the extent of damage and determine the cause(s) of loss.
  
  SafePoint issued a payment to the insured on December 31, 2022 under Coverage A Dwelling.

• Initial Complaint

  Date:08/22/2022

  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.

  I originally had a policy with Access Insurance Company, which was transferred to Safepoint Insurance. I filed a claim for my detached carport because it is falling in for reasons unknown to us. We did not get on the roof to check because we are not contractors and have no knowledge of what could be the problem. The inspector came out and reported this was due to long term water and humidity which caused rotting of the wood on the carport. Claim was denied due to us not reporting before time although we did not know the cause of the damage. Policy states " (5) Caused by constant or repeated seepage or leakage of water or the presence or condensation of humidity, moisture or vapor, over a period of 14 or more days unless such seepage or leakage of water or the presence or condensation of humidity, moisture or vapor and the resulting damage is unknown to all "insureds" and is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure." If we did not know the cause of this damage, it should be covered. If we are paying for a policy that covers this building, I do not understand why it would not be covered. We have never not had homeowners insurance for the coverage to be denied. In addition, this decision has taken over a month to just be denied. It's ridiculous. Also, there is no way to determine the timeline for how long the water had been seeping through the wood to lead to this rot damage of the wood. I'm sure the insurance company had plans to deny the claim at the time it was filed. My claim number was #*****.

  Business Response

  Date: 09/20/2022

  ************************ claim was reported to SafePoint Insurance on July 22, 2022, as "carport roof was caving in" which occurred on July 20, 2022.
  SafePoint had the property inspected on July 28, 2022,  to document the extent of damage and determine the cause of loss. The carport damage was due to long-term rot and decay. The damage to the carport predated SafePoints policy assumption on December 1, 2021. SafePoints coverage position letter was sent to ******************** on August 22, 2022.
  
  

  Business Response

  Date: 10/17/2022

  As mentioned in the initial response, the insured's claim reported to SafePoint Insurance occurred prior to the policy being incepted.

  Customer Answer

  Date: 10/17/2022

   
  Complaint: 17896259
  
  I am rejecting this response because:
  
  The company failed to respond just like they failed to investigate my claim. I would not recommend anyone to conduct business with this company for anything.

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

  Business Response

  Date: 10/18/2022

  The damage related to ******************** SafePoint claim occurred prior to the policy inception with SafePoint Insurance. Although the damage(s) would not fall under the SafePoint policy, ******************** should consider submitting the claim to LIGA (https://*************/)  as her previous carrier went insolvent.

• Initial Complaint

  Date:07/18/2022

  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 late May we received our new homeowners premium from Safepoint (Florida) - 28% increase in premium. I was able to obtail a mitigation report from a licensed inspector, to reduce our premium. Safepoint would not accept the inspectors report because we did not have stickers on our windows. Everyother company had no issue with the report - the windows were changed out and are hurricane proof. In the meantime, our mortgage company paid the premium of $7100.00 - we switched coverage over the Citizens for $2900 (roughly) on June 29th - (policy expiration was July 1). I immediately cancelled Safepoint, and was told the "refund check was in the mail" this came an email on 6/30th- (first I was told I could pick up the check, then I was told it could be overnighted) both false - now on July 8th I receive the cancellation notice, but no check - it is now the 18th of July still no check. I called three times last week, and was told Safepoint was having issues with the mail system, and they would send me a copy of the check so I could direct deposit the check. Then I receive an email stating they could do that. Why would customer service tell me this, and it not be so - I called back again, and was told oh so sorry - I will turn this over to a supervisor, and they will call you - that was 5 days ago (granted a holiday) - I called back 7/18/2022 and was told oh the check never went out until the 5th of July - so first it went out on the 30th of June, then on July 1st, now the 5th of July - still no check - they told me today - they could stop payment on the check, and send overnight. I still do not believe them - they have lied too many times. This customer service is horrible - I am so happy I am done with these people - Oh and I am a senior citizen - $7100 is a lot of money for me to be out - this premium was paid 30 days in advance -

  Business Response

  Date: 08/05/2022

  Business Response /* (1000, 5, 2022/07/21) */ Safepoint reviewed the concern and requested the original refund mailed 7/5/2022, be voided and a new refund check was overnighted on 7/19/2022 to the insured's address. We spoke with the insured on 7/19/2022 and provided the tracking and check numbers for her reference. The check was then delivered on 7/20/2022 via FedEx. The check was cashed on 7/20/2022. Please let us know if you have any questions. Thank you. Yury G, Director of Personal Lines