Assurant Renters Insurance Usually obtained through Geico Auto insurance Assurant Renters insurance will not pay off claims . Even for burnt buildings scheduled to be razed. Nationwide

Apt building was burnt to the point it will have to be razed shortly . Fire occured on July 4th from a bottle rocket that landed directly on a woodpile stored on the cement patio of the apt directly above mine. Spread so fast it destroyed all 12 units and I made it out with animals , laptop and purse with meds in it . that is all . We lost everything . 

I filed a claim while fire was in progress so in no way was I late . I watched as other adjusters hurried out there on the holiday . I didn't expect THAT but I did expect the adjuster to be there before FOUR DAYS and the building was boarded up due to looters and public safety . The building is very unstable . 

Adjuster knew our phones burned and the apt manager called the company and adjuster Thursday July 6 and told them that everyone else had been out and we needed help before the FD had them close it up and our manager was very willing to walk him through it - I heard her . 

Too late . Saturday July 8th he called my husband at work 66 miles away and asked if he could see the apt . Husband says you are too late , its boarded up and there is nothing we can do about it . The manager was willing and did take him there . not surprisingly he would not complete a report even though the entire 2 upper floors are missing and the lower ones are boarded up and you can hear the building groaning . Fire Cheif says it's barely holding on. 

Monday We call him to tell him they will be opening it up for a limited time for the apt insurance men to get in , He shows up but has to wait for the apts adjusters . He leaves . Can no longer get in touch . 

 Tells my husband he cannot get into make a report . Claims lady at the company says they cannot pay without his report . I say there will probably be no report given how late he was . This is his fault not anyone elses . Place is totally destroyed and I had a very low personal property limit of 13,000 ,its not like I was paying for a 150,000 loss . 

They will only give me $3000 considered as loss of use of my apt but thats it . 

So pretty much I will have paid this company for years ( 8) for nothing but 3000 . 

I will have to replace everything on my own dime . 

My brother called and spoke to a supervisor , claims agent got so agnry she called both of us on a conference call and put us both on blast . That is it. I wont have people talk to me that way when they refuse to answer calls and emails and we are forced to go to a supervisor . I am 54 he is 52 and will not have a young lady yell at us over anything . I have been in a total loss house fire 

Oh and earlier I mentioned the fire started in the apt directly above ours , the adjuster did tell my claims lady that mine was farthest away from the fire and didnt look damaged to him . This is a direct lie . 

I cannot believe what I am writing hardly but they are the facts . If you value your things like I did . Do NOT go with assurant . I will not after a few more months . It is usually obtained through your Geico car ins . I never dreamed it would turn out like this .