I come to you to try to get some help resolving an insurance issue;
I am with Allstate since 1989 for my flood and my homeowner insurance. Through out Allstate we changed at least 5 times underwriter insurance company.
Last one was Poe, but Poe declared bankruptcy, Allstate got me an agent from Allstate in Boynton agent Makram( Marie) Kamel Florida Federal Insurance INC>, 1240 S Federal HWY, Boynton Beach, FL 33435, underwriter Universal Insurance Company P.O Box 901036, Fort Worth, TX 76101-2036, or P.O Box. 45-9021, Sunrise, FL 33345-9021. Policy number UICH0062577. We have this insurance since July 2006 priced at $2578.00.
In July 2007 the insurance went up, we paid $2886.00 reason? The agent couldn't explain. On August 17, 2007 I got a phone call from Marie/Markam telling me that she got me a really good deal with an underwriter from Universal Property and Casualty Insurance Company 1110W Commercial Blvd Suite 100, Fort Lauderdale, FL 33309 with policy number 592-421-138 for $1600.00 for the year.
I asked her if she was sure about the price, she said absolutely. I sent a check on August 20, 2007 to pay for that new insurance.
September 12, 2007 I received a letter from that new insurance company, that my premium was $4074.00 for the year, I was in school learning to become a truck driver.
I asked Marie what was going on, if that is the real price, I want to stay with my other insurance that I have and paid for. She said; to do not worry she will call that insurance and will let me know, but in the mean time cancel the other insurance, I told her No until I get a confirmation of the $1600.00 price quote.
She never called me back..
In October 8, 2007 my husband called me and said I got a paper from the new insurance that we own $2474.00. I called Marie/Markam and asked her to get back my money $1600.00 and cancel that insurance and I will stay with the first one that I never cancelled. She told me again to do not worry she is taking care that. Then she called me telling that second insurance do not want to insured me for $1600.00 because my house is not concrete, that someone came and took pictures.I told her that no one came; my husband is retired and never saw some one taking pictures. I sent her a proof that my home is concrete and wood, she came and took pictures. I also said to her why with the other company it is more the price
In November she called me and said that the property appraisal doesn't said concrete but wood. I explained that the house that we bought in 1989 was wood frame but we built a 2 story house attached to the old one; we did reinforce the old house side at got stucco.My safe Florida home inspector came and agreed that my house has everything need to stand any hurricane.
I called the Palm Beach tax and they said that if I put concrete my tax will go up. Why my tax; which doubled already; has to go up again, we used to pay $1400.00 in 2006, and now we have to pay $28897.00 on tax. Something is very very wrong
In November I received a cancellation letter from that second insurance (by the way I never cancelled my first insurance.I called that Marie again and asked her to get the other insurance to pay me back my check of $1600.00,
In December 20 I got a check of $.319.++ I called Marie and asked her what that means, where is my money and why I am getting a check of $319.00 instead of $1600.00. That during all that time I had insurance. Her response was; I told you to cancel the first insurance. Thanks God I didn't do it, can you believe the mess I will be today, do not worry I will take care this.
Holidays went by, I left 2 messages and Marie never returned my calls. My last message was; if you do not return my call, I will call Allstate. 3 days after I had someone who called and asked me my story, at the end, the person said I suggest you to send a letter to that insurance and deal with the problem.
Do you think that you can help me resolve this problem?I can be reached at 561-xx-xxx or 561-xxx-xxxx(((REDACTED FOR SECURITY PURPOSES)))
Ripoof by home owner insurance underwriter for als
Boca Raton, Florida
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