The Hearth Insurance Group Reviews (%countItem)
The Hearth Insurance Group Rating
Address: 8550 NW 33rd St STE 400, Doral, Florida, United States, 33122-1941
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The hearth committed fraud by billing my mortgage company for a non existing homeowners policy.
The HEARTH group billed my mortgage company *** for a non existing homeonwers policy.they have committed insurance fraud.
WANT THE HEARTH TO REFUND THE AMOUNT OF ILLEGALLY OBTAINED FROM MY MR COOPER BACK TO MR.COOPER.THE AMOUNT IS 3619.89
Thank you for your letter received on Wednesday, June 12, 2019. The homeowner insurance policy (HO3) of the insured referenced above was provided by State National Insurance Company, NAIC #XXXXX, whose mailing address is 1900 L. Don Dodson Drive, Bedford, Texas XXXXX. The Hearth Insurance Group is a General Agency for State National Insurance Company. In the matter of the consumer complaint of ***, please accept the following response. On May 17, 2019 your agent Sun Insurance, who is appointed to write business with The Hearth, bound the policy referenced above with an effective date of June 30, 2019. The payment plan elected by Sun Insurance was mortgagee billed. On June 12, 2019 we received a request to cancel the policy, and after receiving an email notification from your agent we flat cancelled the policy same day. Our underwriting department also communicated with both you and your agent, by phone that this policy was flat cancelled, and no payment has been or will be applied to this policy. To date The Hearth has not received any payment from the policyholder's mortgage company. In the event payment is sent to our office for this policy, it will be promptly returned to sender without application to the policy. We apologize for any miscommunication with your independent agent and The Hearth. We write solely through independent agents and can assure you no fraud was committed on our behalf, nor will your mortgage company be billed. Thank you.
(The consumer indicated he/she DID NOT accept the response from the business.)
Because they are lying.Both The Hearth and the Sun group committed insurance fraud by issuing a homeowners policy without any signed application or our consent.
The mortgage company paid them on 06/09/2019 and they are claiming that they havent received any payment.I confirmed with my mortgage co. and indeed they were paid.
Instead of making up more lies,they should return our $3619.89 .The dept of financial investigation in fl.is also investigating both of these entities for insurance fraud.
(The consumer indicated he/she DID NOT accept the response from the business.)
the hearth group committed four consent or signed application.
THIS IS FRAUD....They shouldn't be blaming anyone but themselves and their agent(sun group) that gave us the quote....
THEY ARE LIARS!!!!!
The attached Return Premium letter was meant to be included.
***Document Attached***
Thank you for your continued correspondence. The homeowner insurance policy (HO3) of the insured referenced above was provided by State National Insurance Company, NAIC XXXXX, whose mailing address is 1900 L. Dodson Drive, Bedford, Texas XXXXX. The Hearth Insurance Group is a General Agency for State National Insurance Company. In the matter of the consumer complaint of ***, please accept the following response. The Hearth has been in contact the insured's agent, Sun Insurance, an appointed agent authorized to write business with The Hearth. Attached please find email correspondence between Sun Insurance and the insured regarding the insured's intent to purchase the policy. Since the time of the initial response to this complaint, The Hearth received the payment from the insured's mortgagee and mailed same back to the sender without any application of the funds. The proof of receipt and mailing back to the mortgagee are also attached. We again apologize for any miscommunication between the independent agent and the Hearth. The Hearth writes solely through independent agents and can assure no fraud has been committed. Thank you
The Hearth has $1,471.42 for homeowners insurance, gave us erroneous info, had me cancel policy & will not return all our money.
We spend 5-6 months in Florida during the winter months. our home address their is *** Cape Coral, FL
On 03/07/2019 we paid the Wilcox Family Insurance Agency $1,471.21 for a homeowners policy with The Hearth Insurance Group, LLC. When my husband & I gave *** our check, he gave us a letter from*** approving us to take photos and do a self inspection of our home and download it to their App. On 03/08/2019 we spent 2 1/2 hours doing the inspection and downloading it to them. In mid April I received a call from someone who identified himself as just ***, no last name. He stated he was representing the The Hearth Insurance Group and he needed to get into our home to do an inspection. I explained to him that we did a self inspection and he insisted that he needed to do one. I told him I would call Wilcox Family Insurance and get back to him. When I called *** at Wilcox he said he didn't know anything about it, he would find out and call me back. He called back a couple of days later and said that The Hearth employee who gave the approval for the self inspection was new and didn't know they don't do that. So on April 29th, 2019 I had my neighbor let him in our home to do an inspection. Since The I have been Calling *** sometimes several time a week to find out what was going on, did we have insurance. He pretty much kept saying no news is good news. On 05/20/2019 I called *** and asked for the phone number of someone to talk to about our Policy# HIGXXXXXXX.
When I called the Hearth that day the women I spoke to had a very heavy accent, I was having a hard time understanding her and did not catch her name. I could not understand why The Hearth was contacting Wilcox Family Insurance and not me directly. What she did tell me was that on 05/15/2018 the Hearth notified Wilcox that they were only insuring us until 06/28/2019 because they did not like the brand name (Federal,Pacific) that is our home. My husband is a retired IBEW electrician, he said that the breakers in it are two name brand names that are still being sold today. The other issue was they said the hot water tank was 20 years old. The hot water tank is in a closet in our garage and we had no idea how old it was. We bought the house in 2014, the house was remodeled before we bought it. Had The Hearth & Wilcox Insurance Agency been reputable companies, they would have notified us a lot sooner and we would have had both issues resolved. They both dragged their feet and didn't do much. We we paid for the policy we were told that if we were not approved we would get all our money back.. Now we are being told we will not get it all back and I can't get a straight answer out of either company as to how much we are getting back and when? The last person I talked to are The Hearth was ***, she said, she would know in 24 hours. I asked her to call me back, she said she would. I has been two days and I have not heard from her. *** originally said that he would see if The Hearth would change the dare on our policy so we could get a full refund. The owners son called me back, I believe his name was *** and told me the couldn't do that.
Both of these companies took our money, misguided us and gave us nothing. We are going into June, they have had our money all this time. We feel that u dear the circumstances being that they were both inefficient that the least they could do us give us a full refund. We got nothing from them but stress and aggravation. We have had State Farm insurance in Illinois for 42 years with the same agent.
been a reputable company The w
the breakers in it are
We are asking for a full refund of our money for being misguided and uninformed by both companies.
Document Attached***
To Whom It May Concern:
Thank you for your letter received on Friday, May 24, 2019. Please allow this correspondence to serve as our response to the Revdex.com case number referenced above in the matter of the consumer complaint of *** and ***.
We insured the property located at *** Cape Coral, FL XXXXX effective March 7, 2019.
The homeowners insurance policy (H03) of the insured referenced above was provided by State National Insurance Company, NAIC #XXXXX, whose mailing address is ***, Bedford, Texas XXXXX. The Hearth Insurance Group is a General Agency for State National Insurance Company.
Our Underwriting Department completed the review of the policy on April 15, 2019 and determined that we needed the following item(s) and on this same day a 4 Point Inspection was ordered through Insurance Risk Services:
Copy of the prior carriers Declarations Page & a no loss statement signed by the insured if there is a lapse in coverage.
*** is listed on the deed, they need to be added to the policy as a coapplicant.
The trust listed on the deed must be added to the policy as an Additional Insured.
The 4 Point Inspection Report was completed by Insurance Risk Services and uploaded to our system on May 13, 2019 and it was reviewed on May 15, 2019 by our Underwriting team. This completed inspection verified that the water heater had not been updated within the last 20 years and that the sub electrical panel was manufactured by Federal Pacific.
We emailed Wilcox Family Insurance and advised that the documentation verifying that the water heater has been updated and documentation verifying the Federal Pacific electrical panel has been replaced is required to maintain coverage. We advised sufficient evidence must be submitted by May 20, 2019 to avoid cancellation of this policy.
We did not receive a response to our request by May 20, 2019 but on May 21, 2019 Wilcox Family Insurance uploaded a signed cancellation request from the insured's to cancel this policy effective May 21, 2019. On May 21, 2019 the cancellation request received was processed by our Underwriting team. Coverage was in force from March 7, 2019 - May 21, 2019.
At this time, we are unable to provide Mr. and Mrs. a full refund as this policy was in effect from March 7, 2019 May 21, 2019. The prorated refund was mailed to the insured on May 23, 2019.
Thank You.
Enclosure: Signed cancellation request submitted by the agent on behalf of the insured's and signed by the insured's
Notice of Cancellation that was mailed to the insured's on 05/22/2019
Neither Wilcox Family Insurance or The Hearth said anything to us about updating the water heater or Electrical Panel. My husband is a retired union electrician that worked in that field for 34 years. Had The Hearth given us this opportunity to updated those two items before we left Florida, we certainly would have completed the updates. Instead they dragged their feet and never communicated with us at all.
Thank you for continued correspondence. As stated previously, we insured the property located at *** Cape Coral, FL XXXXX originally effective March 7, 2019. The homeowners insurance policy (H03) of the insured referenced above was provided by State National Insurance Company, NAIC #XXXXX, whose mailing address is 1900 L. Don Dodson Drive, Bedford, Texas XXXXX. The Hearth Insurance Group is a General Agency for State National Insurance Company.
We apologize your experience with The Hearth and your independent agent was not to your satisfaction. The state of Florida allows insurance companies up to 90 days to perform a review of a homeowners insurance policy to ensure compliance with a carrier's underwriting guidelines. The Hearth performed its underwriting review of this policy within 30 days and notified the independent agent of our findings promptly thereafter.
We remain unable to provide Mr. and Mrs. a full refund as this policy was in effect from March 7, 2019 May 21, 2019 meaning we are on risk for any losses occurring during the effective dates. We promptly mailed a refund of the unearned premium to the insured on May 23, 2019, two days after receiving the insured request to cancel the policy.
The Hearth still does not explain why they gave us an approval letter for us to do a self inspection which took us two and a half hours to take photos of all the plumbing, electrical, interior & exterior of our home, hot water tank, etc, download the photos and forward them. Then they have an inspector call me to gain access to our home to do a 4 Point Inspection. If that is what the wanted, why didn't they do that first? This in itself shows total disorganization.
During the course of time we were supposedly insured by them, this company never contacted us at all. Instead they contacted Wilcox Family insurance to notify them, they were only insuring us until April 29th. We were the policy holders, why would they not contact us. Every action this company's took was unprofessional . We still don't believe they ever intended on providing us with homeowners insurance.
On 6-5-18 I reached out to my insurance agent to find out why my homeowners was increasing every year. the Agent (Filer Insurance) stated I needed a new 4 point inspection since the last one I had was in 2011. She told they work with The inspection firm and gave me contact information. I reached out to them and had inspection completed on X-XX-XX and they submitted to my agent on 6-22-18. Based on information provided, the agent got me a quote from The Hearth Insurance and insurance was bound on X-XX-XX for coverage to start on 7-18-18. On XX-X-XX I received an email from agent that carrier needed additional information and needed it by 10-12-18 (three months after and only 3 days notice'??) when I questioned why she replied that carrier usually gives 15 days to provide information but this was not the case'?? Partial information submitted on XX-XX-XX and balance on XX-XX-XX as I had to scramble to get an electrician to come out to the house. On 10-19 received cancellation notice from insurance for failure to provide documentation. On XX-XX-XX agent advised that all documentation had been uploaded by carrier on 10-16. On 10-23 agent advised that based on roof not having been updated since 1987 cancellation would stand. This house has survived Andrew / Wilma and Irma with no structural damage nor claims for any hurricane related issues ever. The roof is impeccable and in great condition and based on a report with inaccurate information provided by the inspection firm I have to suffer the consequences now. I believe that this is an injustice and I am sure that this has not been handled properly. I would like for my insurance to remain in effect until the present expiration date of X-XX-XX and if the company chooses not to renew at that point then so be it. It will allow me adequate time to get quotes that are comparable and not what I will probably be facing now on such short notice. With an effective cancellation date of 11-10-18?
Product_Or_Service: Policy HIGXXXXXXX-XX
Other (requires explanation) I would like the Hearth Insurance group to maintain my policy in effect until the expiration date of X-XX-XX as I consider the way they have handled this situation to be totally inappropriate, unjustified and outright harmful.
To Whom It May Concern:
Please allow this correspondence to serve as our response to the Revdex.com case referenced above. The Hearth Insurance Group, LLC insured the property located at 1340 NW 29th Avenue, Miami, FL XXXXX effective on or about July 18, 2018 pending underwriting review as allowed by statute.
Our Underwriting Department completed the initial review of the application filed by Filer Insurance, Inc. on October 9, 2018 and determined that the following items were missing and would need to be uploaded to our system:
Signed Application
Alarm Certificate
Remediation of double tap breakers
Roof Permit to verify roof year (Application stated 1997, however, the Wind Mitigation Form reflected no update)
Photo of Air Handler/AC Compressor's manufacture label
Upon request, Filer Insurance, Inc. uploaded the signed application on October 9, 2018 and it was reviewed the same day by our Underwriting team. It appears that Ms. signed the application attesting that the roof was updated in 1997. However, the Wind Mitigation Form (signed by a Qualified Inspector) indicated there had been no update. Due to the conflict, the company requested a roof permit to verify the roof year.
On October 16, 2018, Filer Insurance, Inc. uploaded the Electrical Panel Invoice and Alarm Certificate. Our Underwriting team reviewed these items the same day. The Underwriting team again advised the agent that the Roof Permit was still required in order to verify the roof year and a photo of Air Handler/AC Compressor's manufacture label were still outstanding. At that time, the company advised both the insured and agent that the policy would cancel on November 10, 2018 if these items were not received by the company.
To date, we have not received any response to our request for the remaining items from the agent or insured. As noted in the Revdex.com complaint, *** acknowledged that the roof year was 1987 making it original to the home. As such, the roof is 31 years old. Our Underwriting Guidelines require roof update/replacement at 25 years of age making this home ineligible for our program.
Under Florida Statute 627.4133 Notice of Cancellation, Non-Renewal or Renewal Premium, it states:
2.When such cancellation or termination occurs during the first 90 days during which the insurance is in force and the insurance is canceled or terminated for reasons other than nonpayment of premium, at least 20 days' written notice of cancellation or termination accompanied by the reason therefor shall be given except where there has been a material misstatement or misrepresentation or failure to comply with the underwriting requirements established by the insurer.
Ms. failed to comply with the underwriting requirements established by the insurer, therefore, the company cancelled the policy for "Failure to Provide Documentation As Requested" on October 16, 2018 with a cancellation date of November 10, 2018 which remains within the statutory guidelines provided by the aforementioned statute.
At this time, we cannot honor Ms. request to reinstate this policy as the risk does not meet our Underwriting Guidelines. Thank you.
(The consumer indicated he/she DID NOT accept the response from the business.)
Inspection company that was sent by agent submitted falsified information. I never stated the roof had been updated in 1997 in fact the inspector came to house took an exceptionally large amount of photos and submitted to the agent. He never sent me a copy of report nor asked for information regarding the roof. I submitted the information from the 2011 inspection that indicated the roof has been intact since the house was built in 1987 as requested by the insurance company. Why did the insurance company only give 3 days notice for presentation of missing items when they normally give 15 days? All information requested was submitted by 10-15 although they state information is still outstanding? I never deceived the agent nor insurance company. All I want is for coverage to remain until end of contract date of 7-18-19. This would be the only fair solution considering they have not done things accordingly. I would like to obtain information on where the inspecting company got the update of the roof in 1997 as this is falsification of information!
We apologize for the inconvenience the insured may be experiencing but in order to offer a policy to the insured, we relied on the information provided by the agent and the application containing this information that was signed by Mrs. (the insured). As Mrs. has acknowledged, the roof is original to the home (XXXX) which makes it 31 years old. Our Underwriting Guidelines are filed & approved by Florida state regulators and therefore do not allow us sufficient leeway in making exceptions. Currently, our Underwriting Guidelines require a maximum roof age of 25 years. With the roof being 31 years old, this home is not eligible for our program and we are unable to extend or offer coverage.
With regard to notice of missing documentation, we provided initial notice to the agent of an outstanding documentation request on October 9, 2018, over one month prior to the effective cancellation date. We are unaware of any timeline given by our company of fifteen (15) days. Our company complied with Florida Statute 627.4133 with regard to the cancellation notice - giving at least 20 days notice due to failure to comply with underwriting requirements.
Lastly, a 2011 inspection report is not an acceptable form of proof. Per the Uniform Mitigation Verification Inspection Form, the information contained in the form is only valid for up to five (5) years provided no material changes have been made to the structure.
Thank you.
(The consumer indicated he/she DID NOT accept the response from the business.)
I understand the guidelines the insurance company must follow, but the fact that once again erroneous information was submitted I feel I should not be held accountable for that. This was handled very poorly, and I have been taken advantage of. I have forwarded my concerns to the department of insurance.