ComplaintsforKingstone Insurance Company
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Complaint Details
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Initial Complaint
11/29/2023
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I am reaching out as we had a clogged line in the inside of our home where the plumber pulled out baby wipes (a large bag full) Claim Number ********** - We hired a public adjuster who has contacted Kingstone since September many times and has yet to get a response. Kingstone sent an independent adjuster who has advised us weeks ago he sent his report in. We have tried to contact Kingstone ourselves and have not gotten a response. We are only seeking a resolution to getting paid for a claim that is legitimate. The fact that we can not get a response after having our adjusters office call and email countless times is an absolute disgrace.Business response
11/29/2023
Thank you for your inquiry. This complaint was received today (November 29th) and immediately escalated to our claims manager who responded within a half hour informing me that the claim was paid and closed on November 21st. The claim was handled timely and properly.Customer response
11/30/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:[Your Answer Here]
Our public adjuster had sent us multiple emails that they had sent the assigned kingstone adjuster with no response to date (11/30). Please respond to our public adjuster as we have not received an estimate or payments.
In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
*********************
Business response
11/30/2023
The claim has been paid. If there are additional items to discuss, ******************** should call and ask to speak to our claims manager. The insinuation that we don't answer phone calls or return emails is simply not true and unsubstantiated from a review of your file.Initial Complaint
11/02/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
After sending pictures of the leak and an invoice for repairs, the company representative assured me that a check for the repairs is being mailed out. But the check hasn't been issued at all since May 2022. Now that representative is not replying to my voicemails and emails at all.Business response
11/02/2022
The complainant filed a claim against our insured's policy. We investigated the claim and determined that Bay ***************************** is responsible for all maintenance of plumbing pursuant to the relevant provisions of the condominium association bylaws. We tendered the matter to *** *****************************.Initial Complaint
06/08/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
Hello, I filed a claim with my homeowners insurance in the fall for repairs to our second level deck & the sunroom below, which is a fully interior living space. The claim was reviewed & I received some money for repairs to the sunroom only, as they would not cover any damage to the deck or roof. After the deck was pulled up there was a significant amount of damage in the sunroom not originally seen or quoted for, including mold, fire & electrical damage. The sunroom ended up being fully gutted down to the ********* received a new quote from my contractor for the additional work required in the sunroom, about $12,00 more than the original. The work was completed & I have been trying to get some reimbursement from Kingstone for this additional work since January. I have submitted the paperwork I received from my contractor & provided his contact information to Kingstone to reach out for anything else they might need. Since January only about 10% of my phone calls or emails have been returned & absolutely nothing has been resolved. I have spoken to multiple people at Kingstone, including a manager, who all say I am entitled to reimbursement per my policy & that they will have their adjustor review the new quote & speak to my contractor, but this has not happened. I emailed my contact person at **************************** manager last week stating that this is unacceptable & to please contact me via phone or email & that my next step would be contacting the BBB; neither got back to me. I have been trying to get this resolved for over 6 months & and am no closer to resolution than I was in January. Please help! My claim number i* **********, primary contact person is ******************************* manager is *********************. ******* direct number is ********************* is ************. Contractor is SJN ******************* is the owner, his number is ************. Please do not hesitate to reach out if you need anything more from me. Thank you!***************************** ************Business response
06/08/2022
The claims manager referenced in the complaint has reached out to the policyholder to receive further clarification on the items in question and will respond accordingly.Customer response
06/08/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:[Your Answer Here]
No one has reached out to me, the policy holder.
In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
*****************************
Business response
06/20/2022
Our Claims Manager emailed a copy of a revised estimate to the insured's contractor and copied the insured on the email. The estimate was discussed with the contractor on June 17th. The contractor is supposed to be sending a more detailed breakdown of his estimate so that we can compare the two estimates, find the differences, and come to a resolution.Customer response
06/21/2022
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 and the matter has been resolved.
Sincerely,
*****************************
Initial Complaint
02/24/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Jan.14th 2022, the kingstone insurance insured my house in *****************************************************************, it was a brand new construct building, and I lease to the tenants. Feb.22nd , 2022, A people claimed that she was the agent of Kindstone insurance and need to come into my house for inspection. I asked my tenant and my tenant refused to be harrassed according to *** tenant protection law. the very next day, the insurance company deemed to cancel my insurance policy without any communicationBusiness response
02/24/2022
Kingstone Insurance Company was simply exercising its right to conduct an interior inspection of the premises pursuant to the insurance policy. This is an ordinary practice of homeowner insurance companies and policyholder's are required to cooperate.Customer response
02/24/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:[Your Answer Here]
the insurance company did not inform me my rights and their rights priot to the policy effective. after the policy carried out for more than one month, they asked to enter into the house, which is conflict with the ************* law. I have proposed a compromise to let them in the utility room, but still, they insist to check every room instead in this pedemic time, no tenant would like to welcome them to check every bedroom.
they could say they need to check every room prior to the policy effective, but right now, nobody knows when and whether they need to come into every room again, since they declare they have the rights to come into the house.
In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
***************
Business response
02/25/2022
Insurance companies have a contractual right under the policy to inspect the insured location. Likewise, policyholders have a contractual duty to cooperate with such inspections. Failure to cooperate is grounds for cancellation. Tell us why here...Initial Complaint
11/08/2021
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
We signed up for homeowners insurance to be effective on August 6, 2021. We paid for the policy in full on July 27th, 2021 in the amount of $5,829 but it was not supposed to go into effect until we closed on the home on August 6, 2021. On September 20 my insurance broker notified me that Kingstone insurance overevaluated the home by approximately ******* and would not insurance it. They had outrageous claims that the central vacuum costs $26,000 when it really costs no more then $5000. We were forced to go with a different insurance company which took effect on October 1st, 2021 . Kingstone insurance refunded us $4744. They kept $1,085 dollars from us claiming they insured the home for close to 3 months which is inaccurate. Insurance took effect on August 6 and was cancelled September 20th. We were sent a refund check on October 1st of $4744. I would like a proper refund asap. Insurance costs $15.96 per day and they insured us from 8/6 to 9/20 which is 45 days. That is $718.20. They kept $1,085 of our money. Which entitles us to an additional refund of $366.80. My insurance broker has made numerous calls to Kingstone Insurance and can rarely get in touch with them. She has been unable to get a clear answer as Kingstone insurance is consistently firing their employees so no one has been able to reconcile our issue.Business response
11/08/2021
The application requesting an insurance policy was submitted to Kingstone for a Coverage A amount of $1,560,200 generating a written premium of $5,829 for the policy, effective July 26, 2021. Upon receipt of the inspection report, the Coverage A replacement cost was valued at $2,240,251,which exceeds the maximum $2,000,000 Coverage A limit written by Kingstone. The policyholders agent was to submit documentation to dispute the inspected value, but instead, on September 27, 2021, the policyholders agent sent a loss policy release requesting cancellation of the policy because the policy was replaced with another insurance company. The pro rata cancellation refund sent was $4,744 reflecting the deduction of $1,085 for earned premium for coverage provided between July 26, 2021, and September 27,2021.
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Customer Complaints Summary
7 total complaints in the last 3 years.
1 complaints closed in the last 12 months.