Hagerty Classic Auto Insurance Hagerty Do Not Trust This Company With Your Collectors Policy! Traverse City MI

I purchased an extremely rare 1974 Corvete, with 24k original miles, in 2011.  I have had it, along with over twelve other cars insured with Hagerty since 2011, and currently have four insured consistently since 2011.

I was located in Houston, TX and my car got water damage in Harvey and was months ago flooded. I filed a claim and the adjuster sent out a specialty adjuster from a national company.  The man looked at the car with me for about an hour. 

He found rust inside the convertible deck, seat belts rusted, mold growing out of the seats and shift box, and more.  He told me then that the car has water and bio-hazard damage and should be totaled out.  

I got an  email a week later from Hagerty, stating that the damage was only $4,300, and they would be paying for 2 new seats, carpet, 2 seat belts, and door trim. I have a flooded car insured at a gauranteed value of $75k and they want me to slap a few interior pieces in the car and never disclose it had a weather (water) claim? That is illegal and fraud! 

I called the adjuster they sent and recorded my call (legal in Texas!). He told me that Hagerty told him: a) not to write it up as a total loss;  b) that any other insurance company he worked for would have told him to total it out and states such in their policy, if it has water and mold; and c) only to write a report for damages that he could physically see with his eyes, and not anything else.  When I called Hagerty to confront them about this, the claims replied to me and said he never stated the above to the adjuster, before he was told I have the call recorded.

Hagerty refuses to total out my precious car, that I have owned 8 years, and that is extremely rare for its kind. Since their own adjuster admitted it needed totaled, I am filing a complaint with the Texas Insurance Commission; bringing a bad faith and fraud claim against Hagerty, and moving my insurance.  I've owned over a hundred cars in my lifetime and never would I buy a collector car that has had mold and flood damage, with a title stating otherwise.  Don't trust Hagerty with your collection!