Report: #795451

Complaint Review: Florida Peninsula Insurance Company

  • Submitted: Sat, November 05, 2011
  • Updated: Fri, November 23, 2012
  • Reported By: Susana — Orange Park Florida United States of America
  • Florida Peninsula Insurance Company
    PO Box 30010
    United States of America

Show customers why they should trust your business over your competitors...

We purchased this new home and our closing date was 08/16/11. We made a military move from NC to FL and did not get settled in the home until 09/11/11. Between those dates a representative/ inspector for FL Peninsula asked to inspect the home. I explained I was still up in NC, this was a military move and would not be avail until after mid Sept. He told me that was ok and would contact me then. I did receive a call and msg from the inspector... between my return calls (to a general ofc #, not a number enabling me to get in touch with him directly to schedule a visit to the home, we probably made anywhere from 7-10 calls back and forth... he would call me at night, after 8-9pm and I would call during normal business hrs.

 Just recently we received a letter stating that we were not in compliance with the underwriting requirements and our policy would be cxl effective 11/20/11. I called Steven M. Marcus, Inc/Allstate Insurance, whom we originally had the home insured through. They attempted to get this corrected and get another inspector out (who would actually get in touch during reg. business hrs by phone,text,email etc), since the other inspector did not. Apparently, according to FL Peninsula procedure, since we did not have the home inspected in an appropriate amt of time/per a supervisor named Yutica, pls excuse the incorrect spelling if any, in their underwriting dept, we are now unable to keep our policy? They chose the inspector and because the inspector did not try another form of contact/we did not have his contact info to comply on our end and had to count on msgs being relayed to him through his ofc d/t no other means to directly speak to him to comply they are cxl our policy? And we have to find another insurance carrier? This is a newly purchased home and we just moved. This problem would have been avoided if the inspector was pro-active and attempted to schedule an appt. other than by phone.

During our move it was hectic and yes voicemail was full at times, but in today's age of texting and email it seems unrealistic to say he could not get in touch with us. If FL Peninsula and their inspector had attempted even to get ahold of our agent she would have relayed a msg... she was able to get ahold of us. In fact, she even called the inspector at one point to let him know we were still up in NC. I believe this is bad business practice... d/t the fact that FL Peninsula was counting on the inspector to do his job for compliance of the policy and if we were under time constraints he certainly did not relay those during an initial conversation when I told him we were still in NC and would not be in FL until mid Sept. Plus,he did not try very hard to get ahold of me during the t ime frame of mid Sept.-10/26/11 (the date of the cxl letter from FL Peninsula). I have a copy of the letter and it states: "If you have any question or wish to dispute this cancellation, please contact your agent. For your convenience your agent's contact info is listed above. If a refund is due to you, it will be sent under separate cover within 15 business days of the effective date of this cancellation.If you owe an amt. on your policy, please remit payment using the payment stub located at the bottom of this notice." The stub says $0.00 owed, so they owe us money.

 I did contact my agent to dispute this and get resolution by attempting to get an inspector out her asap... possibly by getting another inspector to follow through. Their underwriting supervisor told my agent that too much time had passed and their procedures stated they had to cxl. Besides the inspector, FL Peninsula did not attempt to get ahold of us prior to this cancellation notice. At the end of the day if this is how they conduct business, our thoughts on this are... how would Florida Peninsula conduct themselves if there was ever a need to recover from a disaster in the future? Should policy holders be concerned that their procedures are not customer friendly?
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This report was posted on Ripoff Report on 11/05/2011 04:51 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

Florida Peninsula Scam-

AUTHOR: badbusinessneverwins - ()

Oh Yeah, thats why when you call a supervisior is wont take your call, you get the run around by the secretary answering the phone. They have no service and should not be allowed to take over citizens policies. This company is just being given policies from citizens and thinks they can treat the customers like dirt. 

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#2 Author of original report

FL Peninsula Policy CXL upon Renewal

AUTHOR: Susana - (United States of America)

After all of the going back and forth, having the inspector finally come out AND getting inspections, roof cert etc done and paying for them FL Peninsula sent us a notice not to renew. We found another Homeowners Policy with more coverage and at a lower cost to us every year. FL Peninsula took our money and ran. They also did not have good reasoning for non-renewal... which I am sure is against the law. But in retrospect, we did not want to remain a customer where customer service is not a priority. This company should NOT be in business.
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#3 Author of original report

How did the Inspector attempt to contact customer?

AUTHOR: Susana - (United States of America)

Let me clarify what the employee for FL Peninsula stated. They stated several attempts were made by the inspector within the time limits per FL Law. The inspector would not call during regular business hours, instead I would get calls that were around 8:30 pm, and at that time we were wrapping up with reading, homework, brushing teeth, baths and then finally putting kids to bed. So when he would call late and then leave a msg. I, in turn, would call the next morning, never getting ahold of him directly and leave a msg for him to call me back. I called during normal business hrs. the inspector would not return any calls at appropriate time frames... calling at night is not acceptable. So I contacted my agent when I could not get ahold of him directly. She also attempted to get ahold of him. In lieu of this mishap FL Peninsula did finally re-instate the policy but another inspector was asked to handle this inspection. He did contact me during regular hrs and we were able to do the inspection within 2 days of that call. My curiosity is what happened to the other inspector that did not do their job appropriately, which caused this in the first place. In today's world with so many people out of work, people are replaceable when their job performance is inadequate.
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#4 UPDATE Employee

Florida Peninsula strives to be fair

AUTHOR: Florida Peninsula - (United States of America)

Florida Peninsula Insurance Company values its customers and believes in fast, fair and friendly service. By law in Florida, all homes are required to undergo an inspection process. An inspection is an important factor we use to help protect our customers and keep rates affordable.

In this instance several attempts were made over an extended period of time that postponed the inspection process, which was ultimately completed. Florida Peninsula is one of the top ten largest homeowners insurers in Florida and has the track record to prove our commitment to fair business practices.
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