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Berne Insurance Agent Articles
As if that wasn't enough, they were not responsive. I had to send email after email to be able get through to my agent. When we finally put our application in, it was to be for a middle of the month start date. August 15th to be exact. After I handed in the application, I heard nothing for almost a week. Not a confirmation of receipt, not a confirmation that it was being processed, nothing. I had to threaten withdrawing the application to get an answer.
I kept asking if we were all set, the answer was yes. Yes, over and over again. Three of four times. Still, the day our coverage was supposed to start we didn't hear anything. Then at 4:00pm in the afternoon on the day our coverage was supposed to start we get an email from our agent telling us that it wouldn't start for another two weeks. That there was a mix up. That the company no longer offered middle of the month start dates. HOW DID THEY NOT KNOW THIS? Did our agent even check? It was awful. Now we have to pay out of pocket for medication and had to cancel a specialist appointment because we wont be covered yet.
I would never use this agency again. Virtually nothing they told me panned out.
From the start getting documentation. Many companies pay little on and 'old' problem. I have not been able to crawl or get under the house because of orthopedic problems for years. We trusted Astro. to do their job.
We had evidence that in the past, anything needing repair or upgrade in the structure we addressed even if we needed loans.
So, their clause 'unwitnessed and unknown' was fulfilled and they are helping us with costs. We have had to move out for 3 months to gut the home and they have given us a per
Our total damages will be around 80,000 to repair and then replace as it was.
My suggestion to home owners. TODAY take pictures of everything and under the foundation. Keep detailed notes of any upgrades or repairs you make for tax and insurance purposes. keep copies of any official inspections by anyone of your attic, basement, walls. Get an official printout and opinion of your Flood Plain status online.
One challenge: The contractors are doing very good work, the city is keeping them up to code, but they are horrible about keeping a clear separation of their receipts for us and other work. We might have been able to close our with
I strongly recommend working with
the roof and peeling paint on the south side. That was done last summer (2013). Sent the agent photos,
no attempt to get me a better coverage. Said I needed to fence off a pond that is 19 inches deep. ...More /> Decided to paint some more of the house early this summer(2014) and the agent used that totry to railroad me into a
second year of the high premium coverage. Here are the emails, watch the dates.
Subject: RE: Home policy renewal
Good Morning XXXXX, since you’ve got more work in progress, let’s do this.
I will send you the renewal application for your signature (attached).
I need just the signature pages so if you are able to print then scan &
email or fax that is best or I can mail the package to you by USPS-
let me know what works for you. The renewal date is 6/12, so if you get
the painting work done by ~ 6/1, I can look at other options beside
renewing the existing policy. You may send me the pictures when the
painting work is done. If you are able to capture two sides by shooting
from a corner and the two more sides from the opposite corner,
that would be sufficient. I think that just one photo of the fenced
garden pond is enough as well.
XXXXX, here is the renewal offer on the existing
an underwriter, I am sure that I could not get a different policy issued with
Travelers (your current auto insurance company) or others, until you get the
exterior painting finished and the yard picked up. They are all pretty tough on
property inspections right now.
I have all of the binding requirements from you with the exception of the
renewal premium payment. Please send you payment of $1,719.36 made to Humble &
Davenport Insurance Brokers, Inc. to my office as soon as you are able.
Let me know if you have any questions,
XXXXX | Account Executive
Then he sends a policy for a "log-cabin (built with solid logs) with carpeted floors and painted walls."
My house is build on a frame, has wodden floors throughout and wood paneled walls.
Incompetent and dishonest? I think so!
We did not discover of the failure to provide added insurance during the remodel phase until nearly a year later when we requested added insurance coverage for new addition.
During the new additon phase were told that because of the size of the addtion the underwriters would most likely want to do and inspection of the property.
Upon our inquiry we were told "the coverage sheet was from the actual Auto Owners website" which we never knew about.
The only good news dealing with
Upon filing an appeal letter to
We think we're the best, and we can prove it.
Try an annual plan and if you want to cancel in your first year, we'll refund you 110%
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