ComplaintsforBMI Company, Inc.
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Complaint Details
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Initial Complaint
11/06/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I contacted them about an issue with water in my basement and instead of telling me I needed to have flood insurance they proceeded with filing a claim even though they knew for a fact that they were not going to cover any of it. This should be illegal and they should lose their license/Is poke to the State of Missouri today and they agreed that they should have never filed a claim. They are now raising my rates because of something they knew they would never cover in the first place. Now I found a better insurance company with a much lower rate and I cannot switch because of this claim. They need to be shut down for fraud. Do NOT use this company ever! They scam you so they can raise your rates! This is the second time in a matter of months they have raised their rates and their customer service is worthless!Business response
11/11/2023
Our company received notice of a loss for this policy on May 5, 2022. On that same day, our staff met the insured at the property to investigate the loss. Unfortunately, the investigation revealed the cause of the loss was not covered under the policy. This was explained to the insured.
Once a loss is reported to our company, a claim must be filed on the policy. Claims records cannot be deleted from a policy. Further, we must investigate every loss that is reported to us. We inspect water losses in-person to ensure we are conducting a thorough investigation. Once coverage, or lack thereof, is determined, it is communicated to the insured. The claim referenced in this complaint shows closed with zero payment in our system.
Lastly, we adopted company-wide rate increases this year. These are the increases that were applied to the policy.Initial Complaint
10/02/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
We had a claim filed on our insurance and the process was going smoothly when our mortgage company messed us up on the processing of the check. We reached out to our insurance company to talk to them about re issuing the check and they will but have NO idea on how long it will take to process the new check.We have contractors in place and now we have to cancel with them for who knows how long.We even offered to drive to their office with the old check if they will hand us a new one. ******* with BMI said that is impossible.Once we do receive the new check, we have to send it to the mortgage company then they have to endorse it and send it back to us. (we were told they cannot overnight it to us, but we can overnight it to them). We will not be using the electronic deposit like our mortgage company suggested since that was part of the problem.Business response
10/04/2023
Our company received notice of a loss on August 22, 2023.The claim was processed, and a payment was issued on September 18, 2023. Our company is obligated to include any mortgagee party on a claim payment. To protect the interests of all payable parties listed on a check, we ensure ************ endorsement is completed by each individual party. On September 27, 2023, the payment was returned for improper endorsement one of the parties had not endorsed the check. On October 2, 2023, the insured contacted our office, and we explained the process for proceeding once the check had been returned. Unfortunately, the mortgage company placed limitations on the options they were willing to accept to process the returned check. As such, our only option was to reissue a check.
As mentioned, the insured had originally conducted an electronic deposit and thus was still in possession of the original physical check. When reissuing a check, we must first obtain the original back. The length of time it can take for the check to arrive via **** can vary dramatically. However, once we receive the check, we generally reissue and mail the check within 1-3 business days. This can vary depending on several factors including transaction volume. Again, the time it takes for the check to arrive at the destination via **** can vary dramatically. Several of these factors that influence the timeline are outside of our control, and we therefore hesitate to provide definitive timelines of when a check will arrive. We apologize for the inconvenience this may have caused the insured party. Once we receive the original check, we will proceed with reissuing as outlined above.Customer response
10/10/2023
Not sure if the original went through or what but we are stu waiting on the insurance company to get back to us.
over a week later there is still no resolution. We have had to wait for someone to get back into the office and we are having to leave messages to get a call back.
we will not recommend this company to anyone from this point forward because of their lack of customer service.
Business response
10/12/2023
On October 10, 2023 our office was contacted by ********************* requesting a status on the check reissuance. At the time of her call, we had still not received the original check. ********************* was advised of the check reissuing process.
On October 11, 2023, ******************** called our office and advised he received a letter from his mortgage company releasing their right to be listed as payee on the claim check. Our office requested that a copy be provided for review. ******************** provided a copy and we agreed to leave the mortgage company off the reissued check.
On October 12, 2023, ******************** returned the original check to our office. We provided a replacement check at that time.Customer response
10/13/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
**********Initial Complaint
07/06/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
ISTORM HAIL, WINDS, DAMAGE LARGE PART OF MY ROOF, THEY ONLY WANT TO DO A FLIMSY REPAIR JOB, HERE AND THERE INSTEAD OF REPLACING 7YR OLD ROOF, ON THE SECOND INSPECTION MORE DAMAGE WAS FOUND THEN THE FIRST BY THE SAME CLAIM ADJUSTER WHO NOW CLAIM A BIGGER REPAIR JOB, THAT DOES NOT RESTORES *******, IT NOT ACEPTABLE INTHE ROOFING *** HAD A ROOFING *** GIVE ME A INSPECTION WITH THEY SAID ROOF NEEDED TOTAL REPLACEMENT AND NO ROOFING *** WOULD COME OUT AND DO PATCH JOB WASTE OF MONEY AND A DISATARE IN THE MAKING, NO SECOND DOCUMENTS GIVEN TO ME ONLY ******* DENIAL OF ROOF REPLACEMENT,BMI IS ACTING LIKE I DONT KNOW ABOUT ROOF I SPENT 30YRS IN THE ROOFING BUSSINESS GET PENSION FROM ROOFING THE CLAIM ADJ IS NOT A ROOFER OR CONTRACTOR I WAS FOR 30 YRSBusiness response
07/12/2023
The investigation and review of this claim are ongoing. An additional in-person assessment is scheduled for this week. Once the assessment is complete, we will provide an update to the insured.Customer response
07/12/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***********************Initial Complaint
09/21/2022
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Filed a claim with this company over 7 months ago. Have emailed the adjuster back and forth. The adjuster will not accept my calls, and he has not returned my email in over a week.Business response
09/27/2022
The investigation and final completion of this claim is ongoing. One outstanding item of coverage is still under review pending additional information from the insured party and/or third parties. The company has been in contact with the insured party as of 09/22/2022. The company will contact the insured party to provide a status update and discuss outstanding items of coverage this week.Customer response
09/27/2022
Complaint: ********
I am rejecting this response because:I called ******* and ****** at ***. They both stated they are not waiting for any documentation from me. They have all the documents they have requested from me.
Sincerely,
****** *******
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Customer Complaints Summary
4 total complaints in the last 3 years.
2 complaints closed in the last 12 months.