Customer ReviewsforHomeowners of America Insurance Co.

******* suffered a catastrophic storm on July 8th, 2024. I reached out and filed a claim for my wind damage, only to face denial for the second or third time. It's been five weeks awaiting their response, and I was informed that the damages were insufficient for assistance. The wind has torn off my gutters and some shingles, resulting in leaks and wet sheetrock inside my home. An inspector sent by the homeowner's insurance seemingly failed to record all the reported issues. They plan to merely patch the roof, implying that I must cover these repairs myself. Additionally, Houston endured 46 days of temperatures exceeding 100 degrees, causing my driveway and patio concrete to crack. After filing a claim for this, the adjuster informed me it was due to "the earth shifting," leaving me speechless. Because I don't live in a state prone to earthquakes or mudslides, I was caught off guard by the power outage that persisted for several days. Consequently, I bought a generator to protect my health (as I am handicapped) and to prevent my food from spoiling. Regrettably, my insurance claim did not cover the costs for replacing my gutters, food, generator, generator fuel, sheetrock, or roof. It seems to me that this insurance company just collects premiums without providing coverage, and still, they have the nerve to increase the insurance rates every year.

I noticed others here are very similar to my opinion and how I was treated. Hurricane ***** did some damage but I am told my damage was minor. I was also told my roof was the cheapest built roof they have nowadays. The adjuster estimated my damage below my deductible for this type of event. Not even an allowance for food loss, tarping or even repairing the roof. It all came out of my senior retired pockets. Since this event, I have heard from neighbors whose insurance company paid for the tarp and repairs and food loss but not the complete roof however a small amount of neighbor's insurance companies did decide to replace the whole roof because they said it was a lousy roof to begin and the next little storm would just do additional damage so some are getting new better roofs to stand up to the weather better. What a brilliant idea by their insurance companies but oh not mine! I am ashamed that I have been paying for insurance that is not helpful when a disaster hits. This policy expires end of the year, you can bet I am going to shop around and now I know certain areas. There needs to be some strict regulation of the insurance industry and how it treats its customers.

I purchased this Homeowners insurance 5 years ago. I attempted to speak with the claims department on July 10, concerning loss of all food items, refrigerated medicine and travel expenses related to Hurricane ***** which cause loss of power from rain, wind and lighting our home sustained on July 8, 2024. I was told my policy did not coverage for the items because I did not have some type of refrigerate coverage which was not even offer to me. This policy has loopholes, and the policy does not show items that a homeowner could add or deny this or other items for additional coverage to my policy. I was devastated as I contacted several persons included Westwood customer service who is the agent. As of July 12, our family is still displaced because of the storm.

DO NOT USE THIS COMPANY. THEY ARE A COMPLETE WAISTE OF TIME. I SWITCHED TO THEM FROM ALL STATE TO SAVE SOME MONEY. I SENT THEM MY COPY FROM ALL STATE THAT SHOWED MY COVERAGE WITH ALL VERBAGE AND EVERYTHING. I PAID THE POLICY AMOUNT IN-FULL FOR THE WHOLE YEAR. WELL 2 WEEKS LATER I RECEIVE A LETTER SAYING THE POLICY IS BEING CANCELLED.......... SUCH BS! AFTER SPENDING WEEKS GOING BACK AND FORTH WITH THEM BEFORE I PAID IT. SO NOW I HAVE HAD TO SCRAMBLE TO FINE ANOTHER CARRIER. THIS SHOULD BE ILLEGAL, ESPECIALLY AFTER I PAID IN FULL. THEY SHOULD HAVE TO HONOR!!! TRUST ME PAY ************* YOUR TIME!!!!

Homeowners Insurance of America unfairly denied two claims that I filed for a roof replacement. After denying those claims because they could see no visible damage, they came out to my home to take photos. After that, they sent a non-renewal notice citing a replacement roof being needed.

My premium went from $5900 a year to $11,800 with no warning. Shopping for a new insurance provider. Stay away

I received an initial good offer and a year later price dramatically increased with some reduced coverage. In addition, I was charged a $120 fee when I cancelled my policy (out of cycle because it was bundled with auto-loan through Geico and Geico raised > 50% prices in *****, with no claim in 5 years).