• Report: #755452

Complaint Review: St. Johns Insurance Company

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  • Submitted: Tue, July 19, 2011
  • Updated: Wed, August 29, 2012

  • Reported By: Pensacola John — Pensacola Florida United States of America
St. Johns Insurance Company
6675 Westwood Blvd. Suite 360, Internet United States of America

St. Johns Insurance Company Refused to Reinstate Cancelled Policy for no Good Cause , Internet

*Consumer Comment: Read what you are signing

*General Comment: A possible reason...

*Consumer Comment: the right to refuse business

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At the recommendation of my insurance broker, I purchase rental insurance from St. Johns Insurance Company for my residential property in Pensacola, Florida. Within three weeks, I was sent a cancellation notice due to the presence of a "trampoline" on the property. Neither I nor my property manager was aware that the tenant had placed a trampoline on the property in violation of the lease. I contacted the tenant and had them immediately remove the trampoline. I also contacted St. Johns and explained the situation to them and noted that the issue had been immediately corrected,  and I wanted the insurance coverage reinstated, they flatly refused without giving me any valid reason other than it was a violation of the coverage. They were arrogant, ignorant and deceitful on the phone and gave me the run around. Their refusal to reinstate was arbitrary and indefensible.

I called my insurance broker who also tried to have the policy reinstated, St. John's refused. I contacted the State of Florida Department of Finance, they also were refused by St. Johns. I learned the State of Florida has no powers to compel a company to reinstate coverage regardless of the situation. St. Johns initially stated that they would not reinstate because I was an out of state owner, they were told that I had a local property manager. Then they changed the reason to something else. Please be aware that I have NEVER filed a insurance claim, have excellent credit and the house is in immaculate condition in a very nice residential neighborhood. They simply refused to reinstate my policy providing no good cause or reason. The application I filled out never disclosed that they could arbitrarilly terminate coverage. I spoke with a dozen other insurance companies and they were shocked over how St. Johns Insurance company handled this situation. This company should be booted out of Florida for their shabby consumer practices. It cost me an extra $200 for a new premium and hours on the phone trying to explain to other agents why this POS company cancelled me.

Florida needs new insurance laws to run these types of companies, like St. Johns out of Florida for dishonest business practices. It's a shame that Florida politicians don't take the time to investigate and prosecute companies like St. Johns Insurance and run them right out of the state.  

This report was posted on Ripoff Report on 07/19/2011 07:37 PM and is a permanent record located here: http://www.ripoffreport.com/r/St-Johns-Insurance-Company/internet/St-Johns-Insurance-Company-Refused-to-Reinstate-Cancelled-Policy-for-no-Good-Cause-Int-755452. 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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#1 Consumer Comment

Read what you are signing

AUTHOR: licensedandknowledgeable - (United States of America)

If you are entering into a contract of any kind with any company, you should read every question and make sure the information is accurate. You should also know what's going on on your "owned" property.

There have been a great many claims from trampoline injuries and lawsuits to go with them that are very costly, and in many states.  Would you want to pay several thousand dollars out of your pocket for this?  People are careless in so many situations and every claim that gets paid out provides an opportunity for the insurance companies to non-renew, deny a claim, increase premiums and put further restrictions on what they will or will not cover, especially on rented properties.
It all comes down to care, custody and control. The tenants should have consulted with the owner before purchasing the trampoline, and the property manager should have been more diligent in checking out the property on a regular basis.

No one wants to be accountable anymore, particularly when it comes to physical injuries and the costs associated due to the still-climbing costs of medical care. And let's not forget that the only people that win in the majority of these cases are the attorneys involved.  You might get $150,000 in a lawsuit but the attorneys get about 30% of that.  I say stay involved, know what's going on, and stop feeding the attorneys and the legal system.  The tenants are to blame on this not the insurance company.

Don't be fooled. The other insurance companies are faking you out to get your business. There are not many companies that will aceept a trampoline on the premises and if they do, they exclude all liability.  That means you're on the hook, not them. Big gamble there.  How many kids are in your nice residential area that would love and come to play on that trampoline and possibly get hurt?  What if they sneak on it while you're not home and get hurt?  You get to pay for it. 

FYI - every insurance application goes through an underwriting process, and most properties are inspected and they have the right to cancel during this time if they find anything that contradicts answers on the application.  Care, Custody and Control!
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#2 General Comment

A possible reason...

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

   On your application for coverage you didn't disclose the trampolene (I know that you didn't know. That's beside the point.) When they inspected the property they found the trampolene and cancelled your policy. This is a legitimate action on their part, falsificatioon of application. This is probably the reason they are not reinstating your policy. Since you filed a "false application" the company is concerned about providing coverage. Seems reasonable to me. I find it interesting that you seem to think Florida Dept of Finance should be able to force al insurance company to provide coverage. And while the other agents seem "shocked" about the situation, I'm sure many of their companies would have done the same thing.
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#3 Consumer Comment

the right to refuse business

AUTHOR: coast - (USA)

All companies have the right to refuse business to anyone. That's not a rip off unless they refuse to refund the unused portion of the premium.
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