Report: #1016972

Complaint Review: Assurant Specialty Property

  • Submitted: Tue, February 19, 2013
  • Updated: Mon, March 11, 2013
  • Reported By: thefinn — California United States of America
  • Assurant Specialty Property
    11222 Quail Roost Drive, Miami, Florida 33157
    Los Angeles, California
    United States of America

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On April 30th 2012 I flew from Frankfurt Germany to Los Angeles California on Lufthansa flight LH456. When I got back home and took my Macbook Pro laptop from my laptop bag I managed to fumble it and drop in it's side to my kitchen floor and that bent the aluminum frame so that it doesn't close properly nor can I use the ethernet port on it. Well that's not the worst of it. The next day at work I was looking for my iPad from by backpack and noticed it's not there even though I'm pretty sure I put it there after I had used it in the plane the previous day. Panicking that I had left it the plane I called Lufthansa lost and found to see if the cleaning crew had found it. Well no such luck. Someone had stolen it. 

My next step was to inquire from my renters insurance if they would cover the two incidents and to my surprise both were covered and they would even make it just one claim. At this point I was really happy to have this insurance since I had replacement cost coverage. I filed the claim over the phone and was assigned a adjuster Coy McLemore. 

The following week my adjuster called me to clarify some details and asked me to send receipts for the items. He also asked if I had reported the theft to police which I hadn't done yet because I was blaming myself for possible leaving the ipad on the plane. He explained that this was still theft since it hadn't been returned to lost and found and they would need a police report for it. He said that he would send me a claim form I needed to fill out and fax to them.

Having only lived in this country for few years and never dealt with the police I went to the closest police station to my home. The officer was pretty helpful but said that they can't take the report because it happened in the plane so it's not on their jurisdiction. I'd have to go to the airport police which I did. They in turn refused to take my report because I didn't have a reference number from the airline. This is were things took a turn to worse. The airline Lufthansa refused to give me a reference number because it was on my carry on luggage.     
I immediately informed my adjuster about this and sent him the receipts for the items he had asked. I also asked him to resend the claims form as I had not received it.  At this point I started fighting with Lufthansa to get that reference number. Weeks passed and I still had not received the claims form so I asked for it several times and also provided an update. I finally got the form in July. Now fast forward to January 25th 2013. I finally received the reference number from Lufthansa after I filed a complaint against them to Department of Transportation. I had also talked with Coy in December and he assured to me that my claim was ready to pay all I needed was the reference number and they would deal with the police. I immediately sent the reference number to Coy via email. After not hearing anything for two weeks I faxed the information to the number I had previously sent faxes about my claim.  

Now almost a month has passed and I have still not heard anything from Assurant. I can't get through to my adjuster through their phone system as it just keeps sending me in to a menu loop. I won't be renewing my insurance in this company and I will complain to the California Department of Insurance as well as Better Business Bureau. I'm also going to seek media exposure to my little story of stolen ipad which I'll be soon publishing in my blog. 
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This report was posted on Ripoff Report on 02/19/2013 05:05 PM and is a permanent record located here: 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 Consumer Comment

I am now also experiecing a issue with assurant claims

AUTHOR: m u. - ()

 First let me say that I didnt think I would have a problem with this insurance company because everything that they asked for to me seemed standard.My home has been broke into many times and i didnt report a claim each time because they didt take alot the other times but this time they took shoes and dumb stuff like that, which was very hard for me to explain why i my babies didnt have but one new pair of shoes which was the ones on their feet. All my kids game systems etc wsas gone! anything that was valuable was taken. Of course all the tv's were gone even dvd player and movies, just everything! 

I was very polite and patient, there were even some documents that Assurant wasnt able to obtain, and my adjuster temesha advised me that, that was all she was waiting on. So I contacted me previous company and got the information for her and she told me on either tuesday or wednesday that she would be done settling my claim by that friday. At this point it was past the 30 day period but I was satisfied that she was actually working on my case. So i called friday to see if she was done or just to make sure it would be done and the rep who answered the phone advised me that she wasnt even in the office. So of course my blood started to boil, i even spoke to her supervisor robert shorthouse ad he assured me that i submitted the document they needed. So i call today on monday 10/22/13 and asked about the status of my case and NOW!!!

They tell me they have to send it to an investigator, and I'm  fine with whatever they nneed to do but i just think this has been more than enought time for them to have got the investigator and put my case together. I dont kknow if they just needed more time but if that was the case they should have just told me. I explained to mr. shorthouse that I have nothing to hide and if he give me the number to the investigator i will call him now to get the ball rolling but of course to no avail he tells me ill give them a call and make sure they contact you. Now i know this is some bs. I have been more than patient, forthcoming and helpful to their investigaton. Also i was told the reason they needed a copy of the last claim filed which was about 6 years ago was so that they could make sure there were no duplicted items on the previous report.

This is absoulueltly crazy the last claim was 6 years ago nothing listed on my report is that d**n old so how could it be duplicate items? duh. What is so frustrating to me is that I didnt have any problems until we get down to the end. When I talked to temesha she was doing her job and explaining to me how the process goes and i liked her style because she sounded like she was here to do a job ad was going to get this situation handled even mr. shorthouse convinced me that the ball was rolling now all of a sudden its a issue. shaking my head if i only knew that my insurance company was going to victimized me again i would have took my money elsewhere!

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#2 Author of original report

A month has passed

AUTHOR: thefinn - ()

Oh well still haven't received my money nor have they responded to my several emails and faxes. I guess it's time file a complaint against this company and their claims practices. If anyone going through the trouble of filing a classaction suite against them I'm in. I have kept records of all my communication with them. 
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#3 Author of original report


AUTHOR: thefinn - (United States of America)

I've finally gotten in contact with my adjuster and they've sent me a check. The only thing it's only for the ipad and only mention about the macbook was that they are unable to assist me. What ever that means. Oh well the fight continues. Now just waiting for response and hopefully this time it doesn't take a month.
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#4 UPDATE Employee

Follow-up from Assurant

AUTHOR: AssurantSP - (USA)

Hi.  I work at Assurant and I checked with our claims team.  I understand they reached you again recently to discuss the necessary documentation for your claim.  Please feel free to let your adjuster know if you need any additional assistance. 

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