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:02/03/2025

  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.

  02/02/2025. 700 dollars as of today.

  

  Business Response

  Date: 03/26/2025

  Ms. ******, 

  We have received your complaint, and we have reviewed your policy. We would like to provide clarification regarding your policy and the transactions involved.

  - We received a payment of $730.17 on 12/05/2024.
  - A second payment of $323.08 was made on 01/05/2025.
  - A third payment of $323.08 was attempted on 02/05/2025, but this payment was returned due to insufficient funds on 02/11/2025. As such, no funds were retained from this transaction.

  Your policy was cancelled for underwriting reasons on 02/07/2025, however coverage was provided from 12/05/2024 through 02/06/2025. On 02/20/2025, we issued a refund of $283.14, which was cashed on 02/25/2025. We understand that policy cancellations can sometimes raise questions about payment and refunds. Because coverage was in place from 12/05/2024 through 02/06/2025, a portion of the premium was applied to that coverage period, and the remaining unearned premium was refunded accordingly.
  

  If you have any further questions, please dont hesitate to reach out. Were happy to discuss any concerns you may still have.
  

• Initial Complaint

  Date:01/18/2025

  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.

  My annual Escrow Account advised my mortgage payment had increased by $133.96 a month. On December 9, 2024 $3,224.45 was paid out to Swyfft insurance Company without prior notification. Swyfft automatically renewed my policy with a premium increase of $769.65. in violation of Florida Statues 627.4133 (a) An insurer issuing a policy providing coverage for... property, ... other than motor vehicle insurance subject to ** ******** shall give the first-named insured at least 45 days’ advance written notice of nonrenewal or of the renewal premium. As of January 18, 2025 I have yet to hear anything from my insurance provider Swyfft, only an automated email; 01-17-2025 stating I am insured and an inspector is scheduled to inspect my property. I have made multiple attempts to receive a copy of my policy and further information on the rate increase. I have not received any documentation or response. Without a policy declaration, it is more difficult to obtain another provider. On 01-18-2025, I attempted to retrieve a quote through Swyfft online. The page then reported, " Sorry, we only sell policies through agents in this state. If you are an appointed agent, please log in." Due to the above mentioned issues, I feel discriminated against and taken advantage of By Swyfft Insurance.

  

  Business Response

  Date: 02/03/2025

  *** ******* 
  
  We've received your complaint and would like to provide some clarity regarding the details of your policy renewal:
  
  - A renewal notification email was sent to your agent on November 19, 2024, which included the declarations page, renewal premium invoice, and a notice regarding the impact of credit information on the premium. Additionally, the renewal invoice was faxed to the your mortgage company on the same date.
  
  - Regarding statutory notice requirements, Florida Statutes §627.4133(a) applies only to admitted carriers and does not apply to surplus lines insurers. As this is a surplus lines policy, there is no statutory obligation under §626, which governs surplus lines insurers to provide a 45-day advance written notice of renewal. Notification requirements apply only to nonrenewals and cancellations, as outlined in Fla. Stat. §626.913(4).
  
  - Swyfft also sent a renewal notification email directly to you (using the email address listed in the complaint) on January 2, 2025, which included the declarations page and notice regarding the credit impact on the premium.
  
  - Additionally, the inspection-related email referenced in the complaint was sent on January 17, 2025, to the same email address as the renewal notification. You mentioned multiple attempts to obtain a copy of your policy, but we have no record of calls or emails from either you or your agent regarding this request. If you've been in contact with your agent and have not received a response, please reach out to us directly for assistance.
  
  We hope this provides clarity and are happy to assist with any further questions.

  Customer Answer

  Date: 02/03/2025

  
  Complaint: ********
  
  I am rejecting this response because:

   I did not receive any notification prior to December 9th 2024 in regards to my policy renewal or rate increase. 

  I did not receive a congratulations email on my renewal and policy documents until January 15th. 

  I attempted to reach out to swyfft directly, however I was advised they only sale insurance to agents in my state.

   I made multiple attempts to my agent, no response to my emails or calls. 

  I am now switching providers for a much cheaper rate, and I have yet to get a response from swyfft in regards to that email sent over the weekend. 

  I reached out to my agent on the 13th, 18th, and 22nd of january Still no response. I do not currently have the date and times of calls but can provide them. 

  I feel directly taken advantage of and discriminated against. I did not receive the emails quoted as sending to me directly and the policy documents were sent at a later date. 

  Either way, I was never notified for the rate increase that was automatically taken from my escrow account until 01-08-2025. I discovered it only due to my mortgage payment increase.

  I would like proof of the accusations made on your part that I was directly notified by your company. I also will have documentation proving I was never responded to. 
  
  
  
  Regards,
  
  **** ******

  

  Business Response

  Date: 02/24/2025

  *** *******  

  Our records show that your renewal email was sent to your agent on November 19, 2024. As your policy was originally obtained through your agent, we are unable to control the communication between you and your agent. You have indicated that your agent has not been responsive to your calls or emails, and we understand how frustrating that can be. However, we did send the renewal email directly to your email address on January 2, 2025, which is the same email where you successfully received the inspection email on January 17, 2025. There is no indication in our system of any delivery issues for either email.

  Regarding your statement that you reached out to Swyfft directly and were informed that we only sell insurance through agents—our system generates an automated message when a quote request is submitted online in states where policies are only available through appointed agents. The message states: “Sorry, we only sell policies through agents in this state. If you are an appointed agent, please log in.” This is an automated response, not direct contact with a representative. Additionally, we do not have any record of phone calls or emails received through our Customer Support channels prior to your February 10, 2025 cancellation request. 

  As for your cancellation, we received your direct request on February 10, 2025, and processed it the same day, including the applicable 25% Minimum Earned Premium (MEP). There has been ongoing communication regarding the explanation of this amount. If you have any emails that indicate you reached out prior to this and did not receive a response, we would be happy to review them and address any concerns. 

  Customer Answer

  Date: 02/24/2025

  
  Complaint: ********
  
  I am rejecting this response because:

   I am requesting proof an email was sent on January 2, 2025. I did not receive any notification by Swyfft, ****, or my agent on said date.  
  
  
  
  Regards,
  
  **** ******

• Initial Complaint

  Date:01/18/2025

  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 started a company in 10/2022 which did not take off . This comp has been charging me for a service and the business has been placed on the inactive list for two years . I am requesting a refund for service never rendered. Name of company *****

  

  Business Response

  Date: 01/28/2025

  Naitte, we are unable to find you in our system and think you might have the wrong company. We provide home and commercial insurance. 

• Initial Complaint

  Date:11/27/2024

  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.

  They denied a personal injury claim They were given all documents proving that my residence was a different location yet they claimed they were investigatingThey subjected the homeowner to an examination under oath which she complied with and has notarized Every ounce of proof was submitted probing that my residence was a different address yet they denied it They hired an ineffective inefficient ambulance chaser attorney who didnt even have the correct paperwork at the time of the examination and tried to bully and intimidate the policy holder They are the most worthless company you can ever come across If they do not come back with a settlement offer I will file suit and then they will end up paying more out of their pockets If they dont pay up I will take it to social media and other outlets and make public the entire chain of emails and correspondence especially by their stupid attorney

  

  Business Response

  Date: 01/02/2025

  Ms. ******,

  We have received your additional complaint regarding the claim you submitted for a fall at your mothers property. As previously communicated, we have provided the reason for the denial of liability in this matter. While the loss occurred on the insured property, our investigation determined that our policyholder was not negligent in causing the fall. Our policy is designed to protect the interests of our policyholder in the event of a covered loss. Since our policyholder, your mother, did not contribute to the cause of your fall, we did not find her negligent or liable. Therefore, we would provide her with a defense if you choose to pursue litigation against her.

  The issue of residency also remains a pertinent coverage issue, as it appears changes were made to the address on your drivers license and other documents in support of your residency after the loss occurred.

  We regret any confusion regarding our position on behalf of our insured. However, we maintain our denial of liability and cannot consider medical payments coverage without additional investigation.

  As noted above, if you choose to pursue litigation regarding this matter, it will need to be filed against your mother as the policyholder. Should that occur, she will be provided with a full defense against the allegations presented. We kindly request that your attorney contact us to discuss prior to litigation. **** *********, Director of Casualty and Litigation, can be reached directly at ***********************, and will be happy to assist with any additional questions your attorney might have. 

• Initial Complaint

  Date:11/01/2024

  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.

  Swyfft Insurance is intentionally delaying the decision on my claim. Its been over 90 days since the mitigation company they chose submitted it. Swyfft didnt like something in the initial report, so they unilaterally switched to a different company, falsely claiming it was at my request. Since then, theyve reassigned my claim three separate times. When I reach out to the manager, Im told theres nothing they can share and they refuse to expedite the process. It feels like they are penalizing me for trusting them and purchasing a policy in the first place.

  

  Business Response

  Date: 12/11/2024

  Mr. ****,  

  Thank you for sharing your concerns regarding your claim. We understand how frustrating this process has been for you, and we appreciate the opportunity to clarify the situation and address your concerns. After reviewing your case, we found that Hydradry, the water mitigation company we assigned, submitted a preliminary estimate for mitigation work. Our review of this estimate identified some overlapping tear-out line items, which we have addressed. To ensure accuracy, **** approved Hydradrys estimate and have instructed them to move forward with the water mitigation work. 

  Here are the actions weve taken to resolve your claim: 

  - Preliminary Estimate Approval: Weve approved Hydradrys estimate for water mitigation, ensuring no overlap with other tear-out line items. 

  - Revised Estimate: Our field team has revised the estimate, removing unnecessary line items to avoid duplication of efforts.

  - Communication with Hydradry: Hydradry has been informed that they are approved to proceed with the mitigation work. 

  - Claim Resolution: We reached out to you on 11/7 to settle the claim based on the revised estimate. Additionally, the settlement documents have been sent to you for review. 

  - Ongoing Coordination:The desk adjuster will remain in contact with both you and Hydradry to ensure everything moves forward smoothly and promptly. 

  We understand there have been multiple reassignments, and we regret any confusion caused throughout this process. Our goal is to make sure your claim is handled as efficiently as possible. Your patience throughout your claim process is greatly appreciated, and we are here to assist you if you have any further questions or concerns. 

• Initial Complaint

  Date:10/03/2024

  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 submitted a medical claim on 8/12/2024 following hurricane ***** related injury I submitted all the documents required the two adjusters came out and submitted their report to the insurance It is now October 3 and the adjuster keeps giving the run around I have sent multiple emails requesting a tentative timeline and her excuses are 1. Waiting on report ( she acknowledged she received report)2. Waiting for supervisor to review ( a month ago) it does not take one month to review 3. Hurricane ****** ( this hurricane has nothing to do with my claim)She keeps stalking and its now over 2 months since the claim was filed and she is not responding to emails ************** is acting in bad faith and by law is required to give an answer wiyhin 45 days of the claim being submitted I have provided all documentation they asked and still they refuse to answer

  

  Business Response

  Date: 10/21/2024

  Ms. ******,

  We have reviewed your complaint, and I understand that we have been in contact with you throughout the process of your claim. Id like to provide some clarity regarding the status of your claim, but we are limited in the amount of information we can share in a public platform such as this. Heres a brief summary of where we stand and the actions weve taken so far:

  - Your claim was reported on the evening of August 21, 2024. The following morning, our desk adjuster contacted you to gather more details and requested documents, which you provided. We informed you that we would be initiating an investigation with the insured and could not commit to coverage until the investigation was completed.
  - On August 30, 2024, a field adjuster was assigned to further assist with our investigation.
  - A site inspection of the property was completed on September 13, 2024, and the field adjuster submitted their report on September 27, 2024.

  We are currently moving the claim forward with coverage determinations, examination under oath, and the resolution timeline. We would like the opportunity to go through the details of these steps directly as we can not provide personal information here. Please reach out directly to **** ********* at ***************************** so we can provide you with additional details surrounding the status of your claim.

  We value your satisfaction and are here to support you throughout this process, and we apologize for the delays as we work to finalize your claim.

  Thank you for your patience and understanding.

  Customer Answer

  Date: 11/18/2024

  
  Complaint: 22376037
  
  I am rejecting this response because:
  
  They are liars and charlatans They drag a claim for months and then deny based on zero merit with no explanation They subject their policy holders to examinations under oaths ask them to notarize and then before they receive the notarized copy they deny the claim They are in violation of the Texas insurance code They lie, cheat and are deceptive in their trade practices They deny claims with no explanation
  
  Regards,
  
  ***** ******

  

  Business Response

  Date: 12/09/2024

  Ms. *********************************** manages claims on behalf of ***************************, and we previously provided the outcome of our investigation related to your claim. We would like to take this opportunity to explain our position in greater detail.
  
  - Your claim involved a fall in the driveway of the insured property, reportedly caused by debris left by Hurricane ***** on July 8, 2024. During our investigation, we issued a Reservation of Rights letter due to questions about your residency at the insured property. If you are determined to be a resident of the household, the policy excludes both liability and medical payments coverage.
  
  - Per the policy, the terms you and your refer to the named insured and their spouse if residing in the same household, while insured includes residents of the household who are relatives. Based on the information we have it appears you meet the definition of an insured under the policy. As a result, you do not qualify for liability or medical payments coverage.
  
  - Additionally, our liability investigation found no duty owed by the insured to you prior to your fall. There was no evidence to suggest the insured had prior knowledge of any hazard in the driveway. The circumstances indicate this was an unfortunate event, but it is not covered under the liability portion of the policy. This information, along with the denial reasons, was previously shared with both you and the insured.
  
  If you have documentation that could demonstrate you are not a resident of the insureds household, we encourage you to provide it for us to re-evaluate your eligibility for Medical Payments coverage, which is limited to $3,000. Until we receive that information, our file remains open for review.
  
  We understand your frustration and assure you that our priority is to conduct a thorough investigation to protect the interests of all parties involved. Should you provide the requested documentation, we will review it promptly and communicate the outcome.

• Initial Complaint

  Date:09/19/2024

  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.

  Dear BBB,I am reaching out to request assistance with an ongoing issue I have with my home insurance company, Swyfft. I filed a hail damage claim for my property, which occurred on March 15, 2024. After the incident, I hired a roofer to assess the damage, and they confirmed that there was indeed hail damage to my roof. However, Swyfft denied my claim, stating that there was no damage, and their report mentioned only wind damage without addressing the hail damage at ****** make matters worse, the representative assigned to my claim has been unresponsive, leaving me uncertain of what steps to take next. I have photo evidence and a professional assessment that clearly shows the hail damage, yet the company continues to deny my claim. Additionally, many homeowners in my area who experienced the same hail event have had their roofs replaced through their insurance companies, making this denial even more perplexing.I am at a loss for what to do next and would greatly appreciate any assistance the BBB can provide in resolving this issue with Swyfft. I simply want the fair and proper evaluation of my claim based on the evidence I have provided.Thank you for your time and support.

  

  Business Response

  Date: 10/30/2024

  Mr. ******,

  Thank you for reaching out to us regarding your concerns. We apologize for the lack of communication from your assigned representative and understand your frustration. We appreciate your feedback, as it allows us to address these issues and improve our processes. 

  Following a thorough review of your claim, we noted there were indications of hail in your area, but differing reports of size and damage capability as weather damage is not uniform to a specific area. However, to ensure that nothing was overlooked, we have arranged for an engineer to perform an additional inspection, which was communicated to you by our CAT Claims Manager, ******** ****. 
  
  Here are the next steps were taking to resolve your claim: 
   
  - Engineering Re-Inspection: An engineer will conduct a detailed inspection of your roof to confirm or amend our initial findings. Once we receive the engineers' report, we will thoroughly review to ensure the accuracy of the findings.  

  - Follow-Up Communication: Once the report is complete, ******** **** will reach out to you directly to discuss the findings and the next steps.

  We are committed to resolving this matter promptly, and will keep you updated throughout the process. Thank you for your patience and understanding. If you have any questions, please dont hesitate to contact us directly. 

• Initial Complaint

  Date:07/30/2024

  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.

  I live in *********. My mother enrolled last year in a policy from SWYFFT due to increases in homeowners insurance in ******* where she lives. After adding a new roof she contracted for insurance with a different agency at a better price. The local agent she used told her the SWYFFT policy had been cancelled but SWYFFT debited MY checking account for the full amount.. I am not the homeowner nor the policy holder. This smacks of fraud. I have never been contacted by a representative of this company nor have I given anyone permission written verbal or otherwise to access my financials for payments on this policy. I will be reporting them to the **************************** for fraudulent practices.

  

  Business Response

  Date: 07/31/2024

  ******, thank you for bringing your concerns to our attention. We have looked into the matter and are pleased to report that a member of our team was able to reach out to you today. We appreciate the opportunity to discuss your complaint and are glad we could come to a resolution. 

  Customer Answer

  Date: 07/31/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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.
  
  Regards,
  
  *************************

• Initial Complaint

  Date:07/25/2024

  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.

  Our roof has significantly been damaged by the windstorm that happened in *******. Swyft provided us with a claim after 2 months and didn't send leak detection until a month into the claim at which point a lot of the house had dried up. As a result, they claimed that the water damage was not related to the storm. Now we have more rain and there is water coming in again from the same spots that they said were not roof related. They sent someone in to tarp the roof initially when we sent the claim. However, the tarp did not properly cover the roof as there is more water coming in and as a result we have more damage internally in the house. All we are looking for is someone that can answer the phone or reply to our emails or reply to the ticketing system or anything. On July 2nd I posted a message on the claim. As you can see asking the representative to contact us because their phone was not working, it was going straight to voicemail. On July 3rd they closed the claim and paid out the incomplete amount that doesn't cover the damage and as a result we have not been able to find a contractor that will do the work for the price given. On July 8th I again reached out to this representative as well as posted on the claim. No one responded. Today is July 25th and I have again posted on the claim. Hoping to get a response.

  

  Business Response

  Date: 08/05/2024

  **************, we have reviewed your complaint, and I am pleased to confirm that a member of our Team was able to speak with you to address your concerns. Here are the key points from our discussion and the steps we are taking to resolve your issues:
  
  - Tarping and Water Damage: We understand that water entered your home during the recent rains due to the tarps not being properly secured. Our records indicate that the tarp company we initially assigned was declined, and your contractor installed the tarp. We offered to provide the contact information for the tarping company so they can check and re-tarp as necessary. We also reviewed the "Duties After a Loss," including the duty to protect the property from further damage.
  - Contractor and Inspection Confusion: It appears there was a misunderstanding regarding the contractor who installed the tarps. You mentioned that the contractor, ******, told you he was sent by Swyfft. However, our records do not show any invoice submitted by this contractor. We apologize for any confusion and have clarified that this contractor was not assigned by Swyfft. We advised you to have your own company secure the tarping.
  - Additional Damage Assessment: You mentioned that some siding was blown off during the hurricane but was reset, and there doesn't seem to be additional damage to the roof. We have clarified that if there are additional damages from the hurricane or another storm, they would need to be filed as a separate claim.
  - Roofing Quotes: We understand that you have received quotes from roofing companies that are higher than our estimate. We requested that you submit these detailed estimates so we can review them for a possible supplement. Our goal is to ensure that you are adequately covered for the necessary repairs.
  - Communication and Support: We reviewed the coverage decision and the estimate with you to ensure you understand the next steps. We are committed to improving our communication and support. You mentioned this is your first time filing a claim, and we want to ensure that you have a clear understanding of the process. Please do not hesitate to contact us if you have any further questions or concerns.

  Your satisfaction is important to us, and we are here to help you through this process.

  Thank you for your patience and understanding.

• Initial Complaint

  Date:05/16/2024

  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.

  I have been dropped by multiple insurance companies in the last year or so for no tangible reasons except that Florida insurance is a mess. I received refunds from all companies except one. The last company I had was Swyfft Insurance from NewJersey. I received a letter from them on March 8 saying they were going to drop me also, on April 2, 2024. I waited for the refund check of $2731 but it never came. On April 22 I emailed them asking for my money, crickets. I emailed them again in the 25th of April requesting an answer. I finally was answered on the 25th of April requesting a policy #. I immediately send them the # and waited. The company said they mailed the check with *** and to allow 14 business days for arrival. When the 14 days were up I contacted them again and asked if there was a tracking # I could call *** about. They said there was no tracking #. In the mean time my mortgage company went to my escrow account to pull the full insurance payment out and in doing so caused my house payment to raise $440 a month. I can't afford this. I reached out to Swyfft Insurance headquarters with the phone # they gave me, which is a computerized run around. I threatened them with BBB but I haven't heard back. My new mortgage payment is wiping me out and I can't get the payment lowered until that insurance money from my escrow is put back.

  

  Business Response

  Date: 05/16/2024

  ******, upon looking into this we learned you were mailed the refund on 4/17/2024. Today we asked if you would like to have a stop pay issued and a new check mailed. We have yet to hear back. Please reach back out to a member of our Team directly as we're more than happy to help. Thank you. 

  Customer Answer

  Date: 05/18/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is partially satisfactory to me. By not prioritizing my refund check, sending a $2700+ check without a tracking #, I  am out another  $440. How am I going to get that back? I  need this money  here ASAP!
  
  Regards,
  
  ****** *****