Shelter Insurance |
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Consumer reviews about Shelter Insurance |
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Jill007
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Dec 23, 2011
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Bad service
I have a serious complaint against Shelter Insurance. I have had their Platinum Policy coverage regarding house insurance since 1993. We have had wind and hail damage; the claims person said Shelter will only replace the shingles that show damage, that they will not replace the whole roof...so we end up with patches, that don't match, and the roof appearance is totally unacceptable. The claims adjuster brought some roofing guy with her; when they saw the roof damage and the interior ceiling damage, they figured this was going to cost Shelter quite a bit of money. The adjuster said she couldn't give us an answer, but that she had to go back and 'talk' to her supervisor...what she was really doing was looking for reasons not to cover (-pay-) our claim. When she called back, several days later, she said the water damage to our ceiling was a maintenance issue, that Shelter wouldn't pay for it to be painted because she saw evidence of previous problems around the fireplace chimney site...that there was 'new' caulking around it. We purchased the house when it was 3 years old, we had no idea of 'previous' issues and did NOT do any caulking what so ever as she was intimating. Shelter insurance is total scum...My agent, who had been calling all along since I phoned in the claim, and askig me how things were going is now ever so silent...ever since the claims adjuster called with her "decision' NOT to cover our claim, our agent has not called once. So, we end up with a patched, ragged looking roof, on an expensive house in an upper middle class neighbor hood. Our home owners association is not happy with the looks of our roof, and we are not happy with it either. We cannot afford to replace the roof, ..(the roof was damaged by wind and hail) and pay for the all the repairs that our policy is supposed to cover... since we KNEW we had coverage for that, we felt our policy should cover it. Our Platinum pollcy DOES cover wind and hail damage but the claims adjuster decided we only warranted to have only the shingles damaged by wind hail to be replaced .How idiotic and stupid can it get . This is such a scam...we've paid thousands of dollars in premiums for Platinum policies on this house and our last house...a total of 19 years and this is the sort of crap treatment we receive. We are practically accused by the adjuster of knowing we had previous issues with leakage around the fireplace chimney and that the roofing around it wasn't installed correctly...even though we gave her proof that we had purchased the house 3 years after it was built. She still said it was a maintenance issue...yeah, like we're supposed to do a weekly roof walk to check ...what a bunch of garbage. WE DID NOT KNOW THERE WAS ANY ''ISSUE'' UNTIL WE SPOTTED WATER DAMAGE ON AN INTERIOR CEILING. Now, Shelter has squirmed out of covering what they should be covering. Needless to say, we're going with another insurance company from this point on.
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Consumer
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Dec 23, 2011
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Bad service
Welcome to the "all they want is your money club" and the "they AIN'T gonna take care of you club".
First call a State Farm or Farmers agent. I know that when I have had claims issues, State Farm has more than taken care of me. Travellers didn't do so good. A friend that also has State Farm, had a tree fall on his daughters car that was in her driveway. They paid more than the car was worth. They had a person on scene and let the homeowner guy get a couple of quotes from others and they paid the amount of the quote that the homeowner presented to them, which was more than the one the claims person presented. Now that! is doing the right thing. Sheltie NEVER WILL...
If you have already had the roof fixed and paid for, you may not have a chance, but, you can get several residential house builders (you can probably get them to do it free with a premise to get a quote to repair roof deck and attic damage) to inspect the interior or underside of the roof deck and if their conclusion is that the roof damage is away from the fireplace area and is more related to a wind and hail damage then take them to the cleaners and if your builders say that its wind and hail then take it to your states Insurance Department. As it is now, you might call the state dept of Insurance and look at filing a claim of fraud against sheltie.
They try to find some little something, build a story around it, sell it to you, and if you buy the story (fraud) then they are off the hook because you signed that you accepted their claim.
Shelter is so, so, shameful.
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