Complaints

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:03/31/2025

  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 am filing this complaint regarding the cancellation of our homeowners insurance policy by ****************** Name]. Our roof was replaced within the last six months, yet our policy was canceled because the broker, Progressive, failed to provide accurate information about the roofs age.We paid the full annual premium upfront, but after canceling the policy, the company refunded only 10 months of coverage and left us uninsured without proper notification. We were unaware of the cancellation and only discovered the lapse when attempting to secure a new policy which we are now unable to obtain due to this lapse.Despite multiple attempts to resolve this issue, the company has been unhelpful and unresponsive. This situation is entirely avoidable given that our roof is brand new and meets all required standards.We are seeking immediate action to reinstate our policy retroactively or provide documentation confirming the error, so we can secure new coverage. We expect a prompt resolution to avoid further financial and legal complications.

  Business Response

  Date: 04/02/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

• Initial Complaint

  Date:03/07/2025

  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.

  I sent out a ******* dollars check to renew my homeowner insurance policy.Openly received the check on 2/21/25 so 2 days before the due date. The check arrived in the allotted time frame before the renewal date.The check was cashed by Openly right away and the money was taken out of my account. On 2/21/25, the same day the check was cashed, my homeowner insurance policy was cancelled by the company (see documents attached).It is unacceptable and illegal for a company to cash my check and the same day cancel the policy. The check sent out should have been cashed only if the service I pay for was rendered. It is not the case. As a result I am out of pocket and my homeowner insurance policy was ************ is a violation of federal consumer protection laws to charge customer for a service not ***********'s been exactly 14 days since my check was cashed and the policy cancelled. 14 days gives Openly plenty of time to hold the check and figure out that they have to reimburse me, reissue a new check for ******* dollars in my ******* of now I have no news from Openly, and I for sure did not receive any check for my refund. It seems that Openly is not willing to work with me and make it easy for me to get the refund I am entitled to.

  Business Response

  Date: 03/11/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

  Customer Answer

  Date: 03/11/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

• Initial Complaint

  Date:03/05/2025

  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.

  I have a 60 plus years old home which I insured with openly in 2020. My policy was dropped due to my house being over 20 years old. Quick beer math but I am pretty confident my home was over 20 years old when I began my policy and there was no issue then. Now, I am left frantically searching for a new carrier to satisfy my requirements of my mortgage provider. I see this as a reoccurring theme with Openly complaints I have read and I would like to know when this change took effect.

  Business Response

  Date: 03/07/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  
  

  Customer Answer

  Date: 03/07/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

   

  The business response states there will be contact made via their customer service department.  Therefore I am awaiting thst attempt.

  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

  Business Response

  Date: 03/12/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. As noted in our conversation on 3/5/2025, Mr. ******* property is no longer eligible per our underwriting guidelines.
  

  Customer Answer

  Date: 03/13/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  Please clarify what underwriting guidelines my property no longer satisfied as there were no changes for the duration of my 4 years as a policy holder.  Additionally, please provide the date in which these guidelines changed.

   
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

• Initial Complaint

  Date:01/11/2025

  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.

  We have an insurance policy through Openly LLC and have a claim in progress since September 30th, 2024. We experienced storm damage for a property located at *********************. The Claim *** with Openly LLC. (**** *******) has not provided an answer or any type of resolution in over a month for a payment to us that was under review. He has promised on several instances that an answer would be forthcoming but, has not made good of his word. The classic response if we get one from him is, " I'll reach out to you by close of business tomorrow ". The majority of the time we do not get a response at all.We have a thread of emails starting December 3rd, 2024, to current date of January 10th, 2025. I have called multiple times and left several messages and also emails with no success in a resolution. It's to my understanding that we have 180 days from the time the claim was opened to have the claim closed. The clock is ticking away, and no progress is being made. This appears to be an intentional stall tactic by them to end the claim through time without making appropriate retribution to us. We ask that our claim be reassigned to a new claim *** and that we receive an extension on the deadline for the claim process.

  Business Response

  Date: 01/13/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Claims team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

• Initial Complaint

  Date:01/09/2025

  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.

  This is a homeowners insurance. They are price gouging people who got hit by storms. If anyone in the area use them and had to file a claim for the tornado or the hail that came through the area last summer their premiums have gone up almost $1,000. We are required to have insurance but they are not required to regulate their prices? It's bad enough that people have to suffer through the storms they should not be allowed to price *****

  Business Response

  Date: 01/10/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

• Initial Complaint

  Date:10/15/2024

  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 believe I am the victim of insurance misrepresentation or potential fraud. The insurance company Openly and their 'underwriters' cancelled my homeowners coverage over a late underpayment of $25 dollars. The $25 dollars was the result of a upgrade in coverage that resulting in a higher premium that I voluntarily made due to review of my coverage.The true intent I believe of the business was to find an excuse to drop coverage because I made a significant claim in the previous year as the result of a garage fire. My payments at the previous premium amount were never late and paid in full at the beginning of the policy period as part of my mortgage escrow account.This is clearly bad faith and retaliatory. They are attempting to drop coverage in retaliation for making a claim as provided for in the policy that they now don't want to insure.IF they wanted to drop me they could at least NOT pursue this ridiculous pretense that this is over a 3 day late $25 dollar balance that they actually received for a near $1600 dollar premium.

  Business Response

  Date: 10/18/2024

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the customer service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

• Initial Complaint

  Date:08/13/2024

  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.

  I signed with Openly for home insurance in September 2022 for my newly purchased home in ***********. After moving in our premium was $1106/year. One year later the premium increased 11% to $1226, and as of September 2024 the premium will increase another 38% to $1692. There are no claims against my home. I am not in a flood or natural disaster area (hurricane, fire, tornado). I did not change the policy parameters (deductible, coverage amount etc.). I contacted them via email on August 9 2024 to request a fair premium increase and they replied with a boilerplate response that did not provide any specifics or another offer. I feel this significant of an increase is either gross negligence on the part of accurately predicting the risks of insuring my home when I first signed, or price gouging; they are counting on some of their customers to not notice the increase and rake in free cash.

  Business Response

  Date: 08/16/2024

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or **********************************. 

• Initial Complaint

  Date:06/23/2024

  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.

  Increased our insurance policy by 45% year over year when we have never filed a claim. Said it was due to inflation but the inflation rate is not 45%. This fits the definition of price gouging under proposed S.3808 Price Gouging Prevention Act of 2024. This is also a violation of the Federal Trade Commisions Deceptive Practices Act, which includes making misleading cost or pricing claims. I will seek further action through the *** and my states Attorney General if this is not appropriately rectified.

  Business Response

  Date: 06/27/2024

  Thank you for forwarding this inquiry to us for response. As our commitment to our customers is to protect their privacy, we have responded directly to **************** regarding their concerns. We hope that the Better Business Bureau understands our position and our commitment to protect our customers' privacy. We ask that the Bureau contact the **************** directly for the details of our correspondence. Thank you.

  Customer Answer

  Date: 06/28/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *****

   

   

• Initial Complaint

  Date:01/25/2024

  Type:Sales and Advertising 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 purchased a home in December of 2022 and chose Openly for my insurance. In October of 2023, I received a notice of renewal. In December of 2023, I started to receive correspondence from my mortgage company that my insurance was expiring or lapsing. In January, I received communication from Openly that my insurance was being cancelled due to non payment. After speaking with customer service and my agent, the problem was that the company had entered by birthday wrong. But, I had went a whole year with insurance with Openly, and without any problems, so how did this all of a sudden become a problem. My wife and I spoke with an agent from Openly that stated I was not eligible any more for insurance with them. Which has literally left me with a little over a week to find a new insurance agency.

  Business Response

  Date: 01/29/2024

  Thank you for forwarding this inquiry to us for response. As our commitment to our customers is to protect their privacy, we have previously responded directly to the complainant regarding their concerns. We hope that the Better Business Bureau understands our position and our commitment to protect our customers privacy. We ask that the Bureau contact the complainant directly for the details of our correspondence. Thank you.

  Customer Answer

  Date: 01/29/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I have not received any communication from the company. 
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *****

   

   

  Business Response

  Date: 01/29/2024

  Thank you for forwarding this inquiry to us for response. As our commitment to our customers is to protect their privacy, we have previously responded directly to the complainant regarding their concerns. We hope that the Better Business Bureau understands our position and our commitment to protect our customers privacy. We ask that the Bureau contact the complainant directly for the details of our correspondence. Thank you.

  Customer Answer

  Date: 01/30/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I have attached a screenshot of the companies response which basically stated (in my own words) yes it was our fault but theres nothing were willing to do to remedy us s******* up the most expensive purchase you have ever made. The epitome of bad business and bad customer service. 
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *****

   

   

• Initial Complaint

  Date:01/17/2024

  Type:Sales and Advertising 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 purchased a house in December of 2022, and chose Openly as the insurance. I received a renewal policy in October of 2023, that stated this is not a bill. In January, I received a letter from my insurance company stating that my insurance was going to be cancelled for non payment. I then received a letter from Openly stating that my insurance was going to be cancelled next month for non payment. I called Openly and in my mortgage company which basically gave me the run arounds. Each stating what they needed. At the end of this all, Openly had my birthday wrong. Openly agent stated that they could not fix it. They stated that they would have to cancel the policy but Openly was not accepting any new customers. They stated they could recommend me to someone else who could possibly look at other insurance companies for me because the only other insurance had an increase of $500. This issue was a fault of the agent and Openly. There's no reason why me or my family should be punished or inconvenienced due to this. There was also a rep on the phone that chuckled during my explanation and frustration which is tactless and says a lot about the company.

  Business Response

  Date: 01/24/2024

  Thank you for contacting Openly. We have discussed the customer concerns and the position of the company in depth with the consumer. Should you have additional questions, you may contact them directly. Thank you.