Complaint Review: Homesite Insurance Company of the Midwest - Binghamton New York
Homesite Insurance Company of the Midwest Geico Insurance Co. They cheated me out of my homeowner's claim for roof damage. Binghamton New York
*Consumer Comment: The State Won't Do Anything Because....
*Author of original report: Not Really
*Consumer Comment: Not Really
On 7/5/19, my roof sustained damage from a wind/hail storm. On Nov. 2019, I noticed the damage and reported it to Samantha Anderson of Homesite Ins./Geico. She sent 2 adjusters out and on Nov.15,one adjuster advised her of the loss value at $12,569.27.
Ms. Anderson sent me a loss payment of $1326.31 on Nov.23,2019. She said in her letter along with the check that they subtracted $6460 for my deductible,which is correct. However,she also deducted another $4782.96 which her letter stated that this amount is NRD or non-recoverable depreciation. This policy language or letters NRD in not shown anywhere in my H.O. policy or in the Wind/hail rider. It is a deceptive entry and fraudulent. My policy endorsement states "if the age of the roof at time of loss is 10 yrs. old it will paid at replacement cost WITHOUT deduction for depreciation"
My roof is 14 yrs. old and has Architectural shingles with a 30 yr. rating. My neighbors all received payment for their similar roof damage claims with the normal deductibles but witout deduction for the deceptive NRD deduction. This is policy language fraud ,confusing and hidden to the consumer.
I've paid over $1000 per year for this H.O. policy and was fooled into thinking my roof would be covered with the usual deductible only. I am also filing complaints with the State of S.C.,Better Business Bureau and other Social medias.This has been my only claim with Geico in 15 yrs. and my only clain with Homesite since Geico assigned this company to me 7 yrs. ago. What a deceptive way to avoid paying a small clain such as this. A RIPoff!
This report was posted on Ripoff Report on 02/19/2020 09:27 AM and is a permanent record located here: https://www.ripoffreport.com/report/homesite-insurance-company/binghamton-new-york-geico-y-1491918. 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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