General Homeowners insurance

I am currently using Waterfield, and have NOT been pleased with their performance. Issues have taken forever to get resolved, and it is costing me an additional $1,000 this year for insurance (w/ Citizens) because they neglected to give proof to them our house was new. Once they figured that out the rates had gone up.

When I asked to speak to the owner about it I left a message and he never bothered to call back.

Not the standard I would consider acceptable.

I am open to hearing who else is good for future reference.

We have ASI on our Seacrest house -- American Strategic Insurance I think. About $875 for the year. Our wind coverage (Citizens) costs four times that.

We have ASI on our Seacrest house -- American Strategic Insurance I think. About $875 for the year. Our wind coverage (Citizens) costs four times that.

Does anyone know if it is a requirement to carry wind insurance or does it depend on each individual's mortgage company?

We use Coastal Insurance in Seagrove Beach as our Broker and they set us up with ASI for property/casualty, Fidelity Natl for flood (not required for us but highly recommended), and Citizens (the only wind company still operating in Florida). The folks at Coastal Insurance were/are great and provide great customer satisfaction when I call, they call back, and they answer all of my questions or get the answers. Call Marcia at Coastal at 850-231-0042.

We use Coastal Insurance in Seagrove Beach as our Broker and they set us up with ASI for property/casualty, Fidelity Natl for flood (not required for us but highly recommended), and Citizens (the only wind company still operating in Florida). The folks at Coastal Insurance were/are great and provide great customer satisfaction when I call, they call back, and they answer all of my questions or get the answers. Call Marcia at Coastal at 850-231-0042.

I second what WetWilly says!

Does anyone know if it is a requirement to carry wind insurance or does it depend on each individual's mortgage company?

No state requirement. Check with your mortgage company.

Thanks. So far two people say Coastal Insurance is great. I have the insurance arm of Destin Bank as my agent, but I can't say I've been very happy with their service. There were several errors and problems with my insurance papers last year and I spent several days trying to get everything cleaned up with them. However, now that I've done that, there's a cost of time to switch to Coastal Insurance. I wonder if it's worth it.

From reading this thread, everyone seems to have the same problems with their insurance company and agent. I have several policies with a local insurance company and wanted to transfer my business insurance from my GA agent to a local agent. I called four insurance companies more than once and did not received a phone call back from any one of them. I guess they do not need any new business. I realize that most of the agents are busy writting new home insurance policy, but when you pay as much as I do a year for all of the difference policies they should be beating down the door. Must all be to busy to make more money on current premiums. Wish I did not have to worry about new clients or keep the ones I have. Don't you! Any agent on the board that wants some business PM me.

the hutch

From reading this thread, everyone seems to have the same problems with their insurance company and agent. I have several policies with a local insurance company and wanted to transfer my business insurance from my GA agent to a local agent. I called four insurance companies more than once and did not received a phone call back from any one of them. I guess they do not need any new business. I realize that most of the agents are busy writting new home insurance policy, but when you pay as much as I do a year for all of the difference policies they should be beating down the door. Must all be to busy to make more money on current premiums. Wish I did not have to worry about new clients or keep the ones I have. Don't you! Any agent on the board that wants some business PM me.

the hutch

They do not want your homeowners insurance. If you want them to reply at all, tell them you want auto insurance.;-) Your call will be returned quickly. I guarantee you this will work, even though I have not tried it. These insurance companies are losing big money on home insurance in FL, and make big money on auto policies. If they had returned your calls, it would probably be with a "Screw You!" attached. Sad, but true. Good Luck. Now go make that call.

They do not want your homeowners insurance. If you want them to reply at all, tell them you want auto insurance.;-) Your call will be returned quickly. I guarantee you this will work, even though I have not tried it. These insurance companies are losing big money on home insurance in FL, and make big money on auto policies. If they had returned your calls, it would probably be with a "Screw You!" attached. Sad, but true. Good Luck. Now go make that call.

Should we be baking cookies for our insurance company? YIKES!

SJ - Thanks for the suggestion. You again hit it right on the nail. Maybe I should call and tell they have won 2 tickets to the Super Bowl and need for them to call me back.

Should we be baking cookies for our insurance company? YIKES!

Maybe you could cook them some of those famous cathead biscuits, Miss Kitty.

Maybe you could cook them some of those famous cathead biscuits, Miss Kitty.

Or some "Beer butt chicken" and include LL's recipe!

Or some "Beer butt chicken" and include LL's recipe!

That should git 'er done!

That sounds like some smorgasboard for the insurance companies!! Add some exlax to the brownies and see them RUN for our business!

That sounds like some smorgasboard for the insurance companies!! Add some exlax to the brownies and see them RUN for our business!

You are SUCH a wicked kitty!

That sounds like some smorgasboard for the insurance companies!! Add some exlax to the brownies and see them RUN for our business!

Miss Kitty you are just plain evil, damn wish I'd thought of the ol' exlax brownie thing! Slowin' in my advanced years. Bound to happen sooner or later.

Miss Kitty you are just plain evil, damn wish I'd thought of the ol' exlax brownie thing! Slowin' in my advanced years. Bound to happen sooner or later.

The purple hairball on my head certainly helps....a great thinking cap!

That sounds like some smorgasboard for the insurance companies!! Add some exlax to the brownies and see them RUN for our business!

That is the perfect Christmas present for those SOBs. Great thinking. When those brownies kick in, I bet their eyes will get as big :shock: as ours when we are seeing those cancelations and price increases around 50% . "Got to go, got to go, got to go right now."

Tip- do not eat any brownies from an insurance company. I wonder if it is illegal to mail poop to someone or a company???:scratch:

The purple hairball on my head certainly helps....a great thinking cap!

Well, I knew it had to be good for something.

These corportations must think we are all suckers and patsies:

The drug companies over charging us for medicines,

Oil companies raising gas prices while making record profits-

Now here come the insurance CEOs to gouge us -they had no problem insuring us when they had no claims-now when they might actually have to pay something out they want to run.

If rates get much higher I will just self insure- put the cost of a premium in a savings account each year.

My house is built to the 2002 hurricane code and for most storms any damage I get will probably not reach the 2% deductable anyways- so why pay them thousands of dollars.

These corportations must think we are all suckers and patsies:

The drug companies over charging us for medicines,

Oil companies raising gas prices while making record profits-

Now here come the insurance CEOs to gouge us -they had no problem insuring us when they had no claims-now when they might actually have to pay something out they want to run.

If rates get much higher I will just self insure- put the cost of a premium in a savings account each year.

My house is built to the 2002 hurricane code and for most storms any damage I get will probably not reach the 2% deductable anyways- so why pay them thousands of dollars.

If you do not have a mortgage, and can afford the hit, this may be a conclusion you and many others will come to over the coming months.

That is the perfect Christmas present for those SOBs. Great thinking. When those brownies kick in, I bet their eyes will get as big :shock: as ours when we are seeing those cancelations and price increases around 50% . "Got to go, got to go, got to go right now."

Tip- do not eat any brownies from an insurance company. I wonder if it is illegal to mail poop to someone or a company???:scratch:

It must be legal to mail poo poo...in Dallas, I must throw away 3/4's of it daily!

I like ecopal's thinking about an account for self insuring. Only good for us when we pay off the motgage here. I do believe our rates are lower since we have a "condo" like unit. Don't get me wrong...we pay for the building in other ways!

Well, I knew it had to be good for something.

Pssssss....are you not aware of high fashion? This look is all the rage on the CATWALKS of Paris....well, maybe Paris, TX!!!!