Business ProfileforLloyd's America Inc.

Had a home insurance policy with them for 5 years, no claim filed even once in that time. This year, I had a very large invasive oak tree cut down because it was causing damage to my ******************* and per the arborist, the roots may have already reached my foundation as well. When the tree was cut down, the arborist informed me that there was a small limb that had reached the top of the roof and had rubbed some of the old shingles away. This tree was quite large & had thick foliage. I had limbs trimmed several times, & not once had I been informed that a limb was touching or near the roof. I filed a claim for the damage, it was denied as "negligence" even when this issue was unbeknownst to me until after this giant tree was removed. While the claim was initially being reviewed, a hail storm came through the area & caused additional damage, for which my roofer advised to file another claim. This claim was "approved" but for only 7 shingles. My roofer advised me & the adjuster that the shingles on my roof were so old & also discontinued, that the shingles around the 7 they approved would be damaged & also need replacement in the process. The adjuster stated to us that "maybe if the next hurricane took off the entire roof, ******* would replace it", & proceeded to laugh at us. I paid more into these 5 policies than the roof replacement would have cost. It makes no sense to pay into something if the one time you need to use the policy they deny at every angle & basically laugh in your face. They have recently sent me a renewal offer for $1k over last year's price, & have EXCLUDED roof replacement and wind/hail damage from the coverage when this is something they should have already taken care of. Needless to say, I will not be renewing a 6th time, this is a pathetic, money hungry company, & should be shut down immediately before anyone else falls victim to their greed.