• Report: #803731

Complaint Review: St. Johns Insurance Co.

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  • Submitted: Thu, December 01, 2011
  • Updated: Fri, August 17, 2012

  • Reported By: ROF — Deltona Florida United States of America
St. Johns Insurance Co.
P.O. Box 1779 Columbia,, South Carolina United States of America

St. Johns Insurance Co. Never pays Claims and puts peoples Lives in DANGER! Columbia,, South Carolina

*Consumer Comment: Can not fully disclose

*REBUTTAL Owner of company: Thanks to this site...

*Consumer Comment: Cant once atty involved

*Consumer Suggestion: St Johns Insurance Company

*Consumer Comment: Info for you

*Consumer Comment: Surely there's a state agency that oversees insurers

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This is to inform the General Public to avoid St. Johns Insurance like the Plague! Here is my story:

One year ago I filed a claim for property issues (Supporting structure falling apart) b/c of earth movement, long story short a SINK HOLE.

They denied me 3X, then forced me to get an Attorney (so will get back less 1/3 plus costs), the attorney made them FINALLY by state law test for a sinkhole, after 3 months it was proved to be true, due to the lack of handling this in a timely manner, much more property has been damaged.

(Not all sinkholes have giant holes in the ground, well not this one YET).

It has surpassed the coverage of the policy and STILL will not settle up. And each day grows more and more as they let MORE damage keep happening.

Now it is heading to litigation (probably another 18 months) and they expect you to stay in this home, till that gets done.

My wife has already gone THOUGH the ground TWICE.

We are seeing our pool buckling and could go at ANYTIME, and if that goes while we are asleep, gets under the home we could be DEAD!

We hear and see things changing daily, and over the past year what appeared to be a minor issue in the beginning looks like a war zone.

What will it be in another year plus?

Do NOT trust anyone they hire for inspections or ANYTHING, they all will go back to St. Johns and say there is no problem, mine was called NORMAL wear and tear. I am on a SINKHOLE! The 1st report was rampart with lies and fabricated data. I have now encountered that 5X in the last year with them.

In my case I am dealing with Daddys little boy of an Attorney against me. He is the son of one of the Mangers of St. Johns and he has ALL of 3 yrs experience, yet this PUNK is putting peoples lives at stake. My Attorney says he is by far the most unprofessional attorney he has had the displeasure to deal with.

We are trapped as we have a mortgage, cant fix it even if we wanted too, cant leave b/c the money is not there to buy another home and to have your families lives hang in the balance of a 27 year old punk attorney! I can justifiably say this as I had to do a deposition with him, and had to be there for nearly 4 hours while he asked the same questions over and over again. Believe me if anyone gets hurt while I am STUCK here while they play games with our lives, I (((TEXT REDACTED BY RIPOFF REPORT / IMPROPER LANGUAGE / RECORD SAVED FOR LAW ENFORCEMENT)))

He has NO CLUE what he is doing and THIS could be your future.

Oh and while I have been trapped at this home, and doors and windows do not lock properly, I was broken into a month and a half ago. If they had paid the claim either it would have been fixed or us moved, but either way it would NOT have happened. Oh and of course they are denying that as well. Bottom line they do NOT pay claims and just say NO! I

I will now be dedicating my extra time to get the word out there about these scumbags and if I can help ONE person thats good enough for me.

If you call that protection I will take a BIG PASS on that.

This report was posted on Ripoff Report on 12/01/2011 12:08 PM and is a permanent record located here: http://www.ripoffreport.com/r/St-Johns-Insurance-Co/Columbia-South-Carolina-29202-1779/St-Johns-Insurance-Co-Never-pays-Claims-and-puts-peoples-Lives-in-DANGER-Columbia-So-803731. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 5Consumer 1Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Can not fully disclose

AUTHOR: WON - ()

 Due to leagal settlement reasons I can not fully disclose what happened, but we can say this ONE for the consumer. ABOUT TIME!

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#2 REBUTTAL Owner of company

Thanks to this site...

AUTHOR: WON - ()

 The case was finally WON, the games stopped and the sttlemnet was done

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#3 Consumer Comment

Cant once atty involved

AUTHOR: WON - ()

This method you mention was tried, but once an atty is involved on the claimant side they can no longer be involved.

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#4 Consumer Suggestion

St Johns Insurance Company

AUTHOR: Devil''s Advocate - (United States of America)

I am a property and casualty insurance agent. I understand not every company is perfect and as the old saying goes; "we are human". Mistakes are bound to be made. However, as a society we are becoming less and less accountable when it comes to our end of an agreement. In this particular case you accuse St. Johns of ripping you off because they didn't pay for damages caused by a sink hole. Have you ever wondered why insurance companies send you a policy package? Let me help you with that answer. To read it. Had you read the policy, which is a standard HO3 or HO8 form most likely, it has a section, which unless the reader is illiterate, which clearly reads that earth movement isn't covered. It also provides examples of just what earth movement is and sink hole is one of them. This said do you really expect the insurance carrier to pay the claim because you were too trifeling to read your policy or because you are mad at them because they should pay it? I imagine the reason you were declined everywhere you complained is because you didn't read your policy. So rather than accept the fact you won't take accountability for your irresponsibility you decided to go bad mouth a company that has treated their customers with care and handled claims within the expectations of their customers. So please, for the sake of us who accept accountability, please keep your baligerant rantings to yourself. Although this is a horrible position you are in had you read your policy you would have known this wasn't covered. Or, had you not read your policy and when told it wasn't covered then read the policy and accepted the fact you bought a policy not covering earth movement you could have directed your efforts, money and time toward the builder, the municipality where your home is located, the previous owner or the real estate company who sold you the home. Sadly, when consumers hand over insurance premium they expect everything regardless what it is to be covered. For example; say you have 30 year shingles on your roof. 10 years into them being on your roof a heavy rains comes. You experience a leak which also causes damage in the walls. The adjuster comes out, gets on a ladder and see the damage and discovers decaying leaves, sticks and pine needles. Because the policy states the homeowner is responsible for maitenence to the home the claim was denied because the homeowner should have cleaned the debris from the roof. In closing I wish you the best in your endevour and please, read what you sign. 
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#5 Consumer Comment

Info for you

AUTHOR: Stacey - (U.S.A.)

http://www.floir.com/ This a link to the Office of Insurance Regulators in Florida - I suggest you take your case to them.  Good luck to you.
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#6 Consumer Comment

Surely there's a state agency that oversees insurers

AUTHOR: voiceofreason - (United States of America)

If so, have you or your attorney gone to them over this and requested they force the insurer to stand by their policy?
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