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:03/15/2025

  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.

  "Claim number C0154561. The insured hit the back of my vehicle, and the adjuster said it's hard to get in touch with them. I've seen 86 bad reviews and ***************************************************, all saying the same thing. Now they're trying to say we can't reach out to our insured and are denying my claim. I'm giving you guys two more weeks to resolve this before I take legal action. I hope you can handle it before I have to go that route."

  Business Response

  Date: 03/17/2025

  A review of this claim file indicates the Consumer was advised that coverage was denied for this claim. The coverage was properly denied in accordance with the provisions of the insurance policy and Texas Law.
  

  Customer Answer

  Date: 03/17/2025

  I am rejecting this response because:   Because already you have my information and a lot of times we talk regarding this situation, and Im owner **** fiesta 2019 , you can talk to your adjuster ******* , she has more information 

  Business Response

  Date: 03/18/2025

  SeaHarbor Claims Supervisor has been in direct contact with the Consumer to address his concerns.
  

• Initial Complaint

  Date:02/28/2025

  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 was misled by Alpa Insurance into purchasing a Sea Harbor policy (SH855100) instead of the Progressive coverage I initially sought. Upon discovering this bait-and-switch tactic, I canceled the policy within 24 hours and was assured of a refund, excluding the initiation fee. Despite these assurances, I have not received my refund and have been met with unresponsiveness from both companies. I am seeking assistance to obtain my rightful refund

  Customer Answer

  Date: 03/04/2025

  Name: sea harbor 

  Address: **************************
  75063

  email: *************************************************************************************************************

  contact: **********

   and Alpa Insurance 

   

  address: ************************
  *****, **  75074
  *************

   

  contact:*****************

   

  My policy was active for less than 24 hours before I canceled it, yet I am now facing excessive charges and an unfair withholding of my funds.
  
  
  When I initially set up the policy through ALPA Insurance, the representative failed to fully explain all terms and conditions. Due to this lack of transparency, I unknowingly entered an agreement I would not have agreed to under proper disclosure. Upon realizing the situation, I canceled immediately, expecting a fair resolution. Instead, I am now being penalized for a policy that was barely in effect.
  
  policy number: SH855100
  
  
  

  Business Response

  Date: 03/07/2025

  The consumer purchased a SeaHarbor policy on 1/22/25 at 2:08pm CST through her agent, Alpa Insurance. At the point of sale, the consumer made a down payment which included a $78 fully-earned and non-refundable policy fee. The following day, on 1/23/25 at 4:08pm CST, the agent issued a cancellation request for the policy for the stated reason that the consumer had found a better rate with a different company. In response to the cancellation request, SeaHarbor immediately cancelled the policy and issued a refund of unearned premium in the amount of $59.50. A check was issued to the consumer and has been cashed (see attachment).
  
  On 2/5/25, the consumer contacted SeaHarbor policy services regarding her refund. SeaHarbor explained to the consumer that her refund included all unearned premium and that the policy fee was non-refundable and fully-earned for the coverage that had been provided. The consumer was advised that because the policy had been in force for over a day, the only way to flat cancel the policy and issue a full refund would be if the consumer provided evidence of duplicate coverage. The consumer advised SeaHarbor that she could not provide evidence of duplicate coverage as that did not apply.
  
  SeaHarbor provided coverage, honored the consumer's cancellation request and refunded all unearned premium due to the consumer in accordance with applicable law and regulations. SeaHarbor was not involved in the sale process, nor did SeaHarbor provide any assurances to the consumer regarding her refund upon cancellation. SeaHarbor was not involved in any alleged "bait-and-switch" nor did SeaHarbor make any assurances regarding a refund of the policy fee. We regret that the consumer was not satisfied with SeaHarbor's previous explanation. However, the consumer's complaint appears to involve communications between her and her agent.

  Customer Answer

  Date: 03/07/2025

  I have reviewed the business response and accept this resolution. I will continue to take my issue up with Alpha Insurance as they were the one who provided me with false information. I never stated I found better insurance, my agent never applied me for the correct insurance which was originally the better insurance from the start. 

• Initial Complaint

  Date:02/19/2025

  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.

  Their insured ran into my vehicle.Accident end of November 2024. Police report, witness, video and pics of accident. Police said it was insured fault. Hard to get in touch of claims adjuster. Took forever. Very unprofessional. I don't even think the adjuster did her job like get the police report and evidence. Finally said claim was denied because they couldn't get in touch if their insured. If we have all the proof, why won't they fix my car like most decent and honest insurance companies? Crazy SEAHARBOR INSURANCE Claim #C0150821 Policy # SH795843 Insured Name ****** Lafita ****

  Business Response

  Date: 02/19/2025

  A claims representative has reached out to the Consumer to discuss the substance of his complaint.
  

• Initial Complaint

  Date:02/15/2025

  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.

  Urgent Request for SeaHarbor Insurance Claim ResolutionClaim CO152009 I am writing to express my concern regarding the handling of my claim (CO152009) for an accident that occurred on December 23, 2024. On that date, while I was sitting at a red light, my vehicle was rear-ended by another driver. The police were contacted, and a report was filed.I filed my claim on December 26, 2024, with SeaHarbor Insurance. On December 27, 2024, I received a return call from the claim adjuster who took the details of the accident and informed me that they would contact the policyholder to determine fault.After not hearing back for several days, I followed up on January 6, 2025. On January 7, 2025, the claim adjuster confirmed that the policyholder was at fault and that arrangements would be made for repairs. On January 8, 2025,I delivered my car to the collision repair shop on January 13, 2025, and arranged for a rental car. However, I was informed that I would need to pay for the rental car out of pocket, as SeaHarbor Insurance does not have a partnership with a rental *********** of today, February 14, 2025, I have attempted to reach my claim adjuster numerous times without receiving any updates. My vehicle remains unrepaired, medical expenses remain unpaid, and the collision repair shop has not been compensated. In addition, I continue to incur substantial costs for the rental car. The repair shop has informed me that additional repairs are needed, and a supplement for payment is required to complete the repairs.I kindly request that you expedite the processing of my claim so that my vehicle can be returned to me in excellent condition, my medical expenses can be paid/reimbursed, and the repair shop can be paid for the work completed. The delay in resolving this matter is causing significant financial strain, and I would greatly appreciate your prompt assistance in bringing this claim to a satisfactory resolution.

  Business Response

  Date: 02/18/2025

  A claims representative has reached out to the consumer to discuss the substance of her complaint.

• Initial Complaint

  Date:01/04/2025

  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 the claimant notes: Monday approx. 550 pm: A hit and run car ran into my iron wrought fence ruining approximately 60 ft of 5-foot fence and a remote automatic gate controlled 12 ft gate that operated on a rail. Gate can not be opened or closed resulting in we can drive one of our vehcilces out and can not drive our other vehicle into our driveway.Vehicle was left at scene, driver left scene. Police were called and they filed report of the accident and had car towed. Police traced car to have insurance with SeaHarbor Insurance Agency. and gave me contact information. Tuesday, we called SeaHarbor Insurance Agency to file a claim- Claim # Co152199 @ ************. Agent stated that Adjuster would be getting to me Thursday or Friday. By Friday afternoon, no response from Adjuster. I then called Friday afternoon trying to get to adjuster. Secretary said she would pass my number top adjuster and that adjuster would be calling me soon. No call back so I called back to number of adjuster and no answer and no response. I called back later when adjuster had not called back; still no response. I called agency back asking to speak to supervisor, no anwser so secretary gave me number and I called and left message; same result no call back. I called supervisor number given to me; same result; no answer. I then called agency back asking to speak to manager and also request for manager number. Same results; no answer and no call back. Here we are on Saturday and agency is closed and have not received a call back. Monday will be a week already and we cannot drive in; have to physically squeeze in to get in and have to lock gate with chain for security reasons. PLEASE ADVISE US SENIOR CITIZENS ON HOW I CAN MAKE A CLAIM AND RECEIVE PAYMENT FOR MY IRON WROUGHT FENCE, GATE, AND AUTOMATIC GATE OPENER. Thank you for your assistance.

  Business Response

  Date: 01/10/2025

  Thank you for the review. SeaHarbor has assigned a Claims Specialist to review this claim and to address it directly with the Consumer.

• Initial Complaint

  Date:11/26/2024

  Type:Product 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.

  ********************************* Company sent out check to reimburse me for car rental on 10/04/2024. Sea Harbor informed me it would take about 5-10 business days to receive the check. I never received the check and contacted Sea Harbor on 11/04/2024 to stop payment on the check and to issue me a new check. Sea Harbor stated that they were unable to do so as the original check had been cashed. They sent me proof of the cashed payment. I never received the check and the check was fraudulently cashed. I informed Sea Harbor of the situation, advised them to contact their bank to reverse their check as fraud and to send me another check for reimbursement. Its been almost 2 months with no resolution from **********.

  Business Response

  Date: 12/02/2024

  SeaHarbor acknowledges the receipt of this consumer's complaint and has conducted a review of its file. On 7/16/24, SeaHarbor issued payment for repairs to the consumer's 2017 ****** Pathfinder, mailed to the address provided by the consumer. This check was received and negotiated by the consumer without issue. On 8/16/24, the consumer presented a supplemental estimate from the consumer's body shop. On 9/18/24, SeaHarbor issued an additional check directly to the consumer's body shop for this supplemental amount. On 10/3/24, the consumer submitted a request for reimbursement of rental expenses while his vehicle was being repaired. On 10/5/24 (two days later), SeaHarbor issued a reimbursement check for the rental to the consumer, sent to the same address where the first check was received by the consumer. On 10/22/24, the consumer emailed SeaHarbor to inform him that that he had not received the final check. A SeaHarbor adjuster attempted to contact the consumer the same day by email and phone. The SeaHarbor adjuster left a voicemail requesting a callback to verify the consumer's address. According to our records, the consumer did not call back or contact SeaHarbor until 11/4/2024, when the consumer advised SeaHarbor that the check still had not been received and requested that SeaHarbor put a stop payment on the check. At that time, SeaHarbor determined that the check had been cashed on 10/25/24 with an endorsement appearing to be that of the consumer. Accordingly, SeaHarbor was unable to put a stop pay on the check since the check had already been cashed.

  After review of the facts, SeaHarbor reported to its bank that the consumer is claiming the check was fraudulently endorsed and cashed. Unfortunately, our bank's fraud investigations typically take ***** days to complete. SeaHarbor is unable to reissue the check until the bank's fraud investigation is complete and the amount of the check is credited. Should SeaHarbor's bank require additional information from the consumer to complete its investigation, we will be in contact with the consumer. While we regret the delay associated with these circumstances, SeaHarbor takes allegations of check fraud seriously and must work with its bank to thoroughly investigate all instances of alleged check fraud.

  Customer Answer

  Date: 12/02/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:11/13/2024

  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.

  C0149064 I was hit by their insurer on 10/25/2024 at around 5pm. I was in the parking lot stopped when I was hit. It took a week to get ahold of anyone from sea harbor insurance. When we finally got ahold of them they accepted fault. I just now received the estimate on 11/12/2024. It was $3500 lower than the two estimates they told me to get. I got the estimates & the supervisor of the claims adjuster tells me they dont use other peoples estimates but theyre the ones that told me to get them. I took a half day off of work to do it. They have been nothing but rude, lying & condescending to me ever since Ive talked to them. Her supervisor is absolutely horrible with trying to talk over me when Im trying to just talk to her. The estimate says theyre going to replace my tire but it has $0.00 out beside it. My rim is completely missing chunks out of it but all they want to do is repair it. Theres no way you can repair a tire. The only estimate they did was from pictures. This is the worst insurance company ever & all I want is someone from corporate to check on this horrible estimate.

  Business Response

  Date: 11/13/2024

  Thank you for the review. Seaharbor has assigned a claims customer service specialist to review and will address the concerns directly with the Consumer.

• Initial Complaint

  Date:11/01/2024

  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.

  This insurance company a 1 star reviews out of 5 for a reason. One of their irresponsible clients hits my car in a parking lot of a business I was at work at and drives off causing 2500 dollars in damage to my 2025 vehicle less than 5 mons old. No response from claims adjuster. Many unreturned calls/messages. No action to fix my brand new car. A complete dumpster fire of a nightmare

  Business Response

  Date: 11/03/2024

  Thank you for the review. SeaHarbor has assigned a claims customer specialist to review the claim and will contact the consumer directly to review his claim.

  Customer Answer

  Date: 11/03/2024

  I am rejecting this response because: the process isn't moving in a timely manner.  Getting the runaround for getting my car fixed which needs to happen immediately irregardless of who was driving the insureds vehicle.  If you read other reviews there are dozens of customers who've experienced the same issues with this shady company.  I will update as the process moves along at a pace I accept  

  Business Response

  Date: 11/04/2024

  SeaHarbor has communicated directly with the Consumer regarding their position on this matter.

  Customer Answer

  Date: 11/04/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:10/30/2024

  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.

  Had insurance for a year almost truck caught fire, they refused to fix the truck because it's in my dad's name, but I drive him around in it so the insurance was in my name. Need help the truck is still got a loan on it. And come to find out they do this to lots of people. I was hoping yall will hold them liable my dad is disabled and insurance is supposed to be a security to help you live with a piece of mind.

  Business Response

  Date: 11/14/2024

  A claims representative has reached out to contact the consumer.

• Initial Complaint

  Date:10/28/2024

  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.

  Got in an accident on 09/09/2024. Driver admitted fault, I was going straight and she was turning left into a store. ********** has been investigating coverage for 7 weeks now. I leave multiple voicemails, messages and texts for the adjuster but they give me the same answer cannot get a hold of our policyholder. I have been in contact with the driver and have had no issues with communication with her or the policy holder. I have filed the claim, sent pictures and estimates and police reports. The insurance carrier has little to no communication and we are still on step 1. I have complained for several weeks now and someone always tells me we are still investigating. This company gives excuses that they are busy with other claims and does not call back. This is ongoing almost two months since the incident. Claim C0146411

  Customer Answer

  Date: 10/28/2024

  The adjuster has called me today to let me know they will send a payment it will take up to 14 business days. I have not received anything yet I will wait to see if they will do what they say and update you once I receive it.

  Business Response

  Date: 10/28/2024

  Thank you for the review. Seaharbor has assigned a claims customer specialist who will address the review directly with the Consumer.