American Reliable Insurance Company

American Reliable is UNRELIABLE! They will take your payments all year long but when you need to file a claim don't hold your breath. I had storm damage to the roof of a commercial building (on my residential property that was also insured through them). A large section of roofing had blown off. Water was leaking into the building and getting near wiring so we patched the roof with some extra panels until the insurance could get it figured out. When the adjuster came out they said they could see the damage. Really? Cuz the rest of the roof is all the same color, and the overhang was ripped off. When I called the case worker all she did was talk in circles and say the roof didn't look like storm damage even though the last adjuster who was sent BY AMERICAN RELIABLE said it defiantly was storm damage! If you want insurance that is on their game go with Travelers instead. I have never had an issue with them and have since switched back to Travlers!

This letter is to acknowledge receipt of your correspondence from [redacted] - Revdex.com Complaint # [redacted] [redacted] takes consumer feedback very seriouslyWe have fully reviewed this matter and a detailed response was provided directly to the consumer on September 12, In order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with youIf you have any questions or concerns, I may be reached at ###-###-#### Sincerely, [redacted] Underwriter III - Personal Lines American Reliable Insurance Company

I opened a claim approximately February 16th, for bursted pipes and major water damage to three rooms in my home
I called on the 16th, the adjuster (male) was working for Sara LJ*** and called on the 17th to make an appointment for February 22nd to estimate the damage
The gentleman was kind, personable and seemed emergent in his actions to help me take care of my horrific situationHe knew I didnt have running water, and my floors were soggy and ruined along with my walls and televisionMy bed was damaged as wellThe gentleman said he would call me soon to let me know what action would be taken in regards to my situation
I didnt hear back friday the 26th so I called Sara's officeShe told me they had business days to give me an estimate and she hadnt heard from her worker about the damage
I haven't been able to live in my home, it isn't liveable without running waterI called her the following monday on February 29thI asked for the status of my claimTo my surprise, she exclaimed she hadnt heard back from her workerShe also claimed I could live in my home and fix my issues myself...I explained that under the circumstances I am paying someone to stay at their home and paying my bills and couldnt afford to fix anything at this timeShe said the pipes werent coveredSara also told me my stay elsewhere isn't coveredI told her mold was growing and you can smell mildew and she argued it was impossibleI told her that she didnt know how bad it was, she wasn't the one who came outI have flood insuranceI have living expense insurance as well
I was irritated, I called the insurance company itself as Sara is just an adjusterThey also wondered why they hadnt heard anything on the claimAgain, I explained my dilemaI wasn't able to resolve the issue
I kept getting the run around from agents, and people did not return my calls after the 29thI received a letter today, March 7th dated March 1st, stating my pipes and mold are not covered...but nothing about any of the extensive damage to my home or belongingsI'm not sure how to repair my home when I had full coverage insurance that I pay very well to keep and I am not even able to live there at this time
Needless to say I am living on the edge and very stressed outIf I had the choice, I would go with a better, more honest company that cares about their customers well-being

After months finally settled Insurance adjuster was a jerk then sent me a check that I had to drive out of the state of Texas cash

[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.]
Revdex.com:
I have reviewed the response made by the
business in reference to complaint ID 11848699, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
Michelle C***

This letter is to acknowledge receipt of your correspondence from [redacted] - Revdex.com Complaint #[redacted] takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided directly to the consumer on September 12, 2014. 
In...

order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####.
Sincerely, 
[redacted]
Underwriter III - Personal Lines
American Reliable Insurance Company

This e-mail is to acknowledge receipt of your correspondence from [redacted] - Case No. [redacted]. Assurant takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided directly to the consumer on September 08, 2014.  In order to protect...

consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####. Sincerely, [redacted]
Assurant Specialty Property

This e-mail is to acknowledge receipt of your correspondence from [redacted] - Case No. [redacted]. Assurant takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided directly to the consumer on September 08, 2014.  In order to protect...

consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####. Sincerely, [redacted]

Assurant Specialty Property

This letter is to acknowledge receipt of your correspondence from [redacted] - Revdex.com Complaint #[redacted] takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response was provided directly to the consumer on September 12, 2014. 

In...

order to protect consumer privacy, the consumer has been advised they have the option to share the response directly with you. If you have any questions or concerns, I may be reached at ###-###-####.

Sincerely, 

Underwriter III - Personal Lines

American Reliable Insurance Company

After 3 months finally settled Insurance adjuster was a jerk then sent me a check that I had to drive out of the state of Texas cash

I opened a claim approximately February 16th, 2016 for bursted pipes and major water damage to three rooms in my home.

I called on the 16th, the adjuster (male) was working for Sara L. J[redacted] and called on the 17th to make an appointment for February 22nd to estimate the damage.

The gentleman was kind, personable and seemed emergent in his actions to help me take care of my horrific situation. He knew I didnt have running water, and my floors were soggy and ruined along with my walls and television. My bed was damaged as well. The gentleman said he would call me soon to let me know what action would be taken in regards to my situation.

I didnt hear back friday the 26th so I called Sara's office. She told me they had 5 business days to give me an estimate and she hadnt heard from her worker about the damage.

I haven't been able to live in my home, it isn't liveable without running water. I called her the following monday on February 29th. I asked for the status of my claim. To my surprise, she exclaimed she hadnt heard back from her worker. She also claimed I could live in my home and fix my issues myself...I explained that under the circumstances I am paying someone to stay at their home and paying my bills and couldnt afford to fix anything at this time. She said the pipes werent covered. Sara also told me my stay elsewhere isn't covered. I told her mold was growing and you can smell mildew and she argued it was impossible. I told her that she didnt know how bad it was, she wasn't the one who came out. I have flood insurance. I have living expense insurance as well.

I was irritated, I called the insurance company itself as Sara is just an adjuster. They also wondered why they hadnt heard anything on the claim. Again, I explained my dilema. I wasn't able to resolve the issue.

I kept getting the run around from agents, and people did not return my calls after the 29th. I received a letter today, March 7th dated March 1st, stating my pipes and mold are not covered...but nothing about any of the extensive damage to my home or belongings. I'm not sure how to repair my home when I had full coverage insurance that I pay very well to keep and I am not even able to live there at this time.

Needless to say I am living on the edge and very stressed out. If I had the choice, I would go with a better, more honest company that cares about their customers well-being.