Alfa Insurance Retaliatory termination of insurance and premium increase on second property Montgomery, Alabama

 I understand your frustration. All insurance companies seem outrageous these days.. except maybe usaa. Usaa limit there client base to military ,veterans, etc. They have great rates , great company. I WAS an agent for Alfa couple yrs ago and state farm. U only see your claim. You dont deal with all the other fraudulent claims people do daily purely for financial gain. Some people actually make livings off insurance fraud. Of course you are not like that. I can tell you are a good person. But.. the other "bad" people have made it hard on us "good" people. I still have policies and are held to same guidelines with claims and have been very furious as well!! i am not trying to defend Alfa but they didnt know 6 months ago they were going to affect your policy. When your policy renews, THE UNDERWRITERS look at renewals and determine any changes. Not saying the local agent couldnt have given a heads up. But usually they hope for the best. They dont want to loose customers... thats lost $$. Theres good and bad in every company. Dont know your situation. Just wanted to let you know. It sounds like you came out better in long run. Good for you and good luck. BY THE WAY.. Thanks for your service and protection in the military!!!

Ken, you are such a sad person.  Your negative comments show you have nothing better to do in life than to try and bring people down to your miserable level.  Unless, of course, you are an employee of Alfa... HMMMM.  Why else would you feel the need to continually input on a complaint about them, when it doesn't affect you?  Why else would you even follow the thread about an Alfa complaint?  I guess being an Alfa agent would be a miserable job and contribute to your miserable existence.  I've got your number.

But let me assure you, I am sooooo very happy with USAA, I wish alfa had dumped me years ago.  More insurance coverage, lower premiums, instant access to my account info, all of my auto, boat and motorcycle insurance is cheaper, I even have lower deductibles and more insurance on my cars and motorcycles.

What's more USAA has great financial tools including my new checking account and CDs with them.  Oh did I mention we're refinancing our home loan through USAA and we're going to save over 1.7% interest?

USAA is the way to go, all Alfa and it's miserable employees want is to take your money.

Have a great life.

Ken, you are such a sad person.  Your negative comments show you have nothing better to do in life than to try and bring people down to your miserable level.  Unless, of course, you are an employee of Alfa... HMMMM.  Why else would you feel the need to continually input on a complaint about them, when it doesn't affect you?  Why else would you even follow the thread about an Alfa complaint?  I guess being an Alfa agent would be a miserable job and contribute to your miserable existence.  I've got your number.

But let me assure you, I am sooooo very happy with USAA, I wish alfa had dumped me years ago.  More insurance coverage, lower premiums, instant access to my account info, all of my auto, boat and motorcycle insurance is cheaper, I even have lower deductibles and more insurance on my cars and motorcycles.

What's more USAA has great financial tools including my new checking account and CDs with them.  Oh did I mention we're refinancing our home loan through USAA and we're going to save over 1.7 interest?

USAA is the way to go, all Alfa and it's miserable employees want is to take your money.

Have a great life.

be sure to come back and let us know how they are then ripping you off.

After getting turned down by most of the well known big name insurance scammers I found someone who helped.  USAA.  Not only did they pick me up with the claim I had, but I ended up with MORE insurance coverage on my home for LESS than Alfa charged.  Then when I switched my auto insurance to them I got even larger discounts.  I'm a disabled, retired Veteran, and these folks jumped at the chance to help me.

I hope you get somewhere with your complaint! I purchased my first home 20 years ago and have had Alfa homeowners insurance since that time. In November two years ago, I had a break-in that caused a great deal of property damage. I filed a claim and was informed I would lose my discount for not filing a claim for 3 years. I understood. They paid $3,000 for the damages.

In April, the storms caused damage all over the state. In November, I got my renewal notice and my premiums jumped by almost 40% and my deductible jumped by 80%. When I questioned my agent, he said there was nothing he could do, it was a the storms. I was angry because I paid 20 years of premiums for nothing in my opinion! I am shopping around for a better deal now before the next renewal. Personally, I think it is a sham!!

Name calling, personal attacks, insults.  All so typical of someone who can't defend their position with knowledge and facts.

Do you know all of the facts in my case?  If so then you work for Alfa!  If not then you can't speak to all of the facts and issues.

Do you know all of the circumstances of my case?  If so then you work for Alfa!  If not then you are either just arguing to defend your source of income, or you are just arguing.

Do you honestly think it's fair for insurance companies to be able to terminate a loyal customer of 14 years for having filed one claim?  If so then you work for Alfa! 

Do you think insurance companies should be able to collect premiums forever and never have to pay a claim?  If so then you work for Alfa. 

Covering damage from weather, accident, or whatever, is the only reason to have insurance. 

Why don't we all just send insurance companies checks each month and pay for everything that happens ourselves without asking the insurance companies to pay?  That's your position.

Isn't it nice to hide behind a screen name and insult other people?  It's so safe and secure sitting at your keyboard in your office in Phoenix, knowing you can hurl childish insults and the people you demean can't get to you.

I posted a legitimate complaint.  You, for some reason, feel the need to be Alfa's secret protector and to insult someone who has a complaint against them.  Your motive is clear.  Your posts are childish examples of internet bullying.  Are you unable to express yourself without hurling insults?

Replying to you is useless as you don't have any factual knowledge of my entire complaint (unless you work for we know who) and the issues surrounding it, therefore you are unable to make an intelligent, informed response.  You are just here to antagonize and to try to make yourself feel important or better than someone else by name calling.

I really expected more mature responses in a forum where adults could act like adults and communicate about an issue.  But that doesn't seem to be the case with you or your buddy.  You are a waste of my time.

He KNOWS you work for ALFA and are shilling for them.

I do the same for over 30 companies (at last count) and get checks based on the number of Rebuttals filed in the  company's favor.  How do your contract  work with them?

This moron OP is eilther lying about "his" attorney or he's found one even sleazier than the average and will take the unwinnable case to generate fees.

Most people, as an OP, don't make NEARLY as many unwarranted assumptions as this clown.

He's uncovered a HUGE conspiracy worthy of a RICO charge.

"Thank you for your input. Obviously you are an agent with a financial stake in Alfa and/or the insurance industry. "

   How is that "obvious"?   I think the regulars on this site will be chuckling when they see that one.   The only thing that is obvious in this thread is that you have no clue as to how insurance works.   It's not that complicated.

" Yes I expected a rate increase. I'm not stupid. "

  Jury's still out on that one.  Your original post seemed to make quite a big deal about that.

" They knew 6 months ago (when they paid the claim) they weren't going to renew my primary residence, but did nothing until they got more money out of me. "

  Not sure what you're babbling about here.   Your claims that "they" knew this or that are really out there.   You're assuming that the payment of a claim instantly means the policy won't be renewed.   I seriously doubt that is the case.  It would not be a viable business model.   

  How did they get more money out of you on a policy that they didn't renew?   You're not being clear.

" An insurance company can refuse to renew anyone they wish. OK great, every citizen in the U.S can expect then to have their insurance terminated if they have a claim, and have no recourse against the insurance companies.  "

  You're babbling again.  Go back and look at that first sentence.   Is there anything untrue about it?  Do you really think you can force an insurance company to renew a policy that they do not think is a good risk?  Whether an insurer issues or renews a policy is entirely up to them.

" The consumers that read this know you are a corporate agent, and are trying to protect your income flow.  "

  A "corporate agent" !!  That's rich.  The other night at this club I was trying to persuade a very attractive young lady that I was a secret agent.    Can I refer her to you??

Actually, people who read  this site regularly are crackin' up at the suggestion that I work for this or any other insurance company.  

"  Anyone can do a search for "alfa insurance complaints" and spend the day reading. "

  That's so perceptive of you.   Now name an insurance company that you can't do that with.

" I've spoken to two attorney's.  I'm taking Alfa to civil court. "

Do you think anyone believes that?    The whole point of my post was to point out that what you are complaining about is common practice.   You and your imaginary attorneys are not taking anyone to court.   You have no grounds to file a civil suit.   What will you be asking for?  That this particular company be forced to insure you at a price that you determine???  That's hilarious.

Thank you for your input. Obviously you are an agent with a financial stake in Alfa and/or the insurance industry.

Yes I expected a rate increase. I'm not stupid.

 It is odd though that they did not notify me they were refusing to renew one policy until after the other policy was paid and renewed! It's obvious their intent was to keep the money flowing to them for everything else, but not the property they are terminating. GREED!

They knew 6 months ago (when they paid the claim) they weren't going to renew my primary residence, but did nothing until they got more money out of me.

An insurance company can refuse to renew anyone they wish. OK great, every citizen in the U.S can expect then to have their insurance terminated if they have a claim, and have no recourse against the insurance companies.

Kinda throws the whole "customer service" theory out the window and shows the insurance companies to be greedy corporate lemmings.

Then once they are denied renewal or terminated no other insurance company will pick them up. Isn't that a great scam for the insurance companies? Collect premiums while you can, then if you have to pay, drop the customer and screw them over for getting insurance.

OH wait! Yes I can get insurance. I can get insurance as a high risk consumer from a sub-company of the same company that just dumped me. So they will insure me again, just under a different company name and for a much larger profit.

The consumers that read this know you are a corporate agent, and are trying to protect your income flow.

Just curious why is it that you think that Alfa is not "accredited" through the BBB for complaints? I'm not the exception to Alfa's greed and corruption.  Anyone can do a search for "alfa insurance complaints" and spend the day reading.

I've spoken to two attorney's.  I'm taking Alfa to civil court.

"  However ALFA did increase my insurance premium on that property from $335 to $435 (30%) in retaliation for the Lucedale claim. "

  You make that sound like it's out of the ordinary.   It is not.   If you make a homeowners claim, your rates will go up on any homeowners policy that you have.  A $100 increase isn't bad, considering how low the premium is to start with.    Complain all you want, but it would only be surprising if you made a claim and your premium DIDN'T go up.   You can call it "retalliation" if it makes you feel better, but it's just standard practice in the insurance industry.

"   They are now terminating insurance coverage of our primary residence in retaliation for having to pay that one claim.  "

  And your complaint is...?  No insurance company is required to renew a policy.  They get to choose not only what your premium is, but whether they want to insure you at all.   Were you under the impression that you had a voice in their underwriting decisions?   That's just silly.   If it makes you feel any better, my last homeowners ins. co. dropped my policy after 19 years and no claims at all.  Big deal.  I just went elsewhere (and ended up paying 20% less).

"  ALFA agents have consistently forced me to insure my property for way more than its appraised values.  "

  They forced you, eh?   What did they use?  Knife? Gun? Pointed stick?

  Let's get back to the real world where you have the choice to accept or reject their terms.  They are not the only insurance company in the world.   Stop whining and start shopping for quotes.

  BTW, in case you weren't aware, over insuring a property is not only wasteful, it can adversely affect the outcome if your home experiences major damage.   The Internet is your friend.