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Report: #1319697

Complaint Review: ASI Homeowners Insurance - St Petersburg Florida

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  • Updated:
  • Reported By: Handicapped Civ/Vet — Pineville Louisiana USA
  • Author Confirmed What's this?
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  • ASI Homeowners Insurance PO Box 33018 St Petersburg, Florida USA

ASI Homeowners Insurance ASI / Progressive (American Strategic Insurancewww.americanstrategic.com ) ASI Homeowners Insurance RIPS OFF HANDICAPPED CIV/VETS Homeowners Saint Petersburg Florida

*General Comment: ASI PROGRESSIVE ST PETERSBURG, Florida

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ASI Homeowners Insurance refuses to pay for damages & threatened that if I submit more than 3 SAME claims per year theyll cancel me! Ive been filing the same claim for the last few years & have numerous photos of the damages!

ASI sent their claim adjusters to review damages all say its a "construction problem". What the Hell?? Tree branches (HUGE) have punched thru roof causing water damage in several rooms, attics, bathrooms, walls, kitchen, etc. When I first called them in 2010 they said to just get up there on roof & patch using blackjack roof patch otherwise Im responsible if water gets in house. I did it! thats when I could really see & my MS wasnt killing me. I even had my patio roofed, enclosed, & beautiful beadboard ceiling w/insullation done. Over a period of time & bad weather & tree limbs crashing into roof AND ice balls size of baseballs crashing onto roof damages were horible. I would immediately call ASI each time & explain what happened, even calling the police because I thought lightening struck the roof, it only struch trees and side of house causing some electricial problems too. But ASI said that the storm wasnt bad but they will send someone out. I got estimates from excellent contractors also recommended by Building Permit Office at City Hall, they know everyone & said the company s I choose were both great! So I gave the ASI guy the estimates.

As the ASI adjuster was here he was nice in beginning but as soon as you signed his comment card he did a Jeckle Hyde turn around, saying that this claim wasnt going to be denied because the damages were all "construction problems". I asked what was that, he said its the roofers problem! I said the hell it was, tree braches (half a tree) came thru the roof! And this adjuster even took off a tree limb that was up there to show him damages! I have photos of everything & all the damages! And still ASI denied my claim! Again!.

At one claim adjuster he held me by my arm & wouldnt let me go see what the other 2 guys were doing in my house, I said they could be going thru my underwear drawer, he said I had to stay put. I HAD BRUSIES on my arm from his fingers!!! And yes I told ASI this! They were the first of adjusters Ive had run ins with that ASI sent!

I ask how can it be a Construction Problem when the dam tree branches are whats coming thru the roof allowing water to come in? Since the patio roof was all done, insulated, etc., it took a few years to see any leaks but when it happened the roof came down & hit me & Ms. Porretto in the head, cutting into my scalp! I still have the open wound! I dont heal well. Everything was getting mold buildup on it including antique family furniture from 05 june 1780 & beds my Greatgand father hand carved from 1800's, & YES Ive been cleaning up with bleach. Now my Doctor says (for last year) I have to use inhalers as my breathing is worse due to MOLD in home that ASI says they dont cover BUT I told them its their fault because they didnt take care of the problem when it happened in first place!

I cant go anyplace else. This is my home, I have no one &b no where else to go. I have a Service Dog & his skin is bad now because of the mold, bacteria, germs. Im trying but its winning. Ive made notes of everyone Ive talked to. And whenever I do that a few months later my mortgage payment increases, they RAISED my monthy mortage everytime I call them!

Ive asked since I bought this home for Handicapped larger print for my Mortgage contract ( they asaid they had to order it, they never did), & for a COMPLETE contract, I only have pieces of it & its so tiny to try & read. I cant see, almost blind & my Service Dog dont read either! Never have I received a Large Print contract, or ANY report in larger print. Whenever I receive anything it takes a month toget someone in here (my health care lady has to be scheduled, she comes 1x month, anymore that that I have to pay full price as its not schedules!), I always ask, beg, pleade with ASI please send large print letters, documents, contracts, claims, etc, ANYTHING you ASI send me make it in LARGE print, I CANT SEE Im BLIND, & they know that!

Can anyone help me please? Can they do this to me & get away with it? I did all I can & now Im sick! ASI said they wont pay for my medical because its my house! ASI said they refuse to pay the claim because its the same claim each year, & I said yes because you said youll cancel me if I make 3 clais a year! ASI said they can cancel me anytime & if I make trouble they will! which means I have to find another homeowners insurance. Ive had ASI since 2000. This claim Im trying to make them pay is the 2nd claim in 16 years. First claim was dishwasher leaked under all my bamboo floors & even then ASI downgraded my submitted estimates because it was older, I told them bamboo ages but improves over time & gets harder! They said its old, & cabinets & walls that soaked up water were ALL wooden cabinets, & ASI paid pennys o dollars compared to actual costs & those were for the cheapest cabinets they had not real wood. But again ASI said age makes them worth less. I said REAL WOOD never looses value when its good quality products & kept in great condition!

ASI has scammed me for last time! Please can ANYONE help me? I dont know how much longer I can breathe in this house & Im sleeping on patio with Service Dog because air in house is bad! Dr recommended I dont breath this air & leave , but where do I go with no money to live elsewhere & no one else to help here? Please, Please, PLEASEEEEEE, DEAR GOD HELP!

This report was posted on Ripoff Report on 07/29/2016 08:52 PM and is a permanent record located here: https://www.ripoffreport.com/reports/asi-homeowners-insurance/st-petersburg-florida-33733-8018/asi-homeowners-insurance-asi-progressive-american-strategic-insurancewwwamericanstrat-1319697. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment

ASI PROGRESSIVE ST PETERSBURG, Florida

AUTHOR: Hurricane Michael - (United States)

POSTED: Thursday, March 12, 2020

 My experience with this company has been horrendous and is headed for litigation. Two ASI Progressive adjusters told me that their plan is to DENY AND DELAY UNTIL THE CLAIMS GO AWAY.

One of these adjusters lost his own home in a fire. (insurance carrier unknown) After expressing my condolences I said that with him being a Senior Catastrophe Adjuster that he would know exactly what to do. He responded.., "I hired a lawyer”

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