The Personal Insurance Home Insurance Reviews

Broken water pipe and Insurance claim. Called the Personal regarding a damage to water pipe coming into the basement, stated water was turned off and no water damage. No one contacted back for weeks, the adjuster came out and no further contact. The second adjuster called and was told we already have an adjuster and she became angry and being rude to me. Tried to follow up my claim as water shut off for almost 2 months and winter is coming at the end of October. States no coverage for plumbing damage, just water damage, which I had stated when calling about a claim. No loss of Rental income due to waiting for the claim, or for no water while waiting for the claim to be denied although I have loss of rental insurance but only will claim. Worst company ever. DO NOT EVER USE THIS COMPANY! Will be reporting to the Better Business Bureau. Would give 0 stars if allowed. Have insurance on this house for 30 years, no claims till now.

These people must truly want their customers to go elsewhere. A recent basement flood led to the worst customer (non)service experience possible. They contracted out the claim so we had to deal with someone not at the Personal. This person conducted a recorded interview, making us feel like we had purposely flooded our own (unfinished!) basement for some sort of gain. The assessor sent from Paul Davis systems turned out to be inadequate (despite the Personal having dispatched them) and we never got to see their full estimate. We had to provide 2 others, from companies we contacted. Delays in service caused further damage, and the Personal refused to cover more than about half of the clean-up and repair work (they would not cover us for the amount in our policy, but only half; very petty considering it was a relatively small claim), leaving us on the hook to cover the costs. To add insult to injury, they tried to issue payment to one of our service providers, instead of us (the customer), when we had already had to pay multiple different people involved in the clean-up. Never, never, never deal with this company. They should not be in business as they are unprofessional and not dependable.

been insured with the personal for 25 years. home and 2 automobiles.Had water damage from a copper pipe fitting that dripped behind a wall and down through the finished basement ceiling onto the carpeted floor. called the personal thinking that after all these years of not one claim against my policy and faithful on time payment the would help me out. Wrong!!! they send out an adjuster with a man from an emergency restoration clean up company, take some pictures and tell me not to do anything because there could be mold now. they tell me to tarp off the room until the so called mold can be removed by specialists. 1 week goes by no help from the personal. 2 weeks go by no help from the personal. In the third week they finally actually take my call just to find out they are denying my claim because in their opinion I should have done my due diligence and thoroughly inspected my home to ensure all things are in good working order on a daily basis. they told me to contact the plumber from 25 years ago a make a claim against him. there was never any mold when the adjuster made the site visit but after 3 weeks of taking his advice of tarping off the room mold had set in. mentioned this to the adjuster but he didn't care. also advised him that over the last quarter century I have probably paid them in access of $50,000 with no claims, again he didn't care. very disappointed with this company as I felt I was a faithful customer. My lawyer said I could make a case about the miss directed advice about the mold but this meant spending more money, repairing the damage to my home cost enough.Do yourself a favor and get quotes elsewhere. they are only in it to take your money , not to help you.

So we had a flood in our house from a toilet upstairs in the end of August.
It is now December and I am still waiting for my house to be fixed :(
Also when I complained about the workmanship my adjuster said that there was a clause in my insurance that prevented the workers from fixing the house! The walls are all crooked and they will only replace the countertop in the kitchen that was damaged not the whole counter top as the countertop that was damaged was the breakfast bar. And of course I could not find an absolute match so now I will have miss matched counters! Worst company ever for customer service as I can not actually speak to them - I have to go through the adjuster!
Also when the claim was first filed they tried to tell me it was a ground water claim where I would only get $10,000 not the full value of what it should have been - had to fight for that!