Ameriprise Insurance — homeowners insurance
We had a break-in and major vandalism of our home two years ago, filed a claim, and Ameriprise has done everything from cancel our coverage to use all sorts of delay tactics that continue. In 2017 there was a similar claim and a lawsuit, Lopez v. Ameriprise, that ended with a $1.3 million jury award against Ameriprise. As with the Lopez family, our family has had our lives destroyed for two years and counting by Ameriprise dishonesty and delay. They actually paid to have our home gutted down to the bare subflooring with all sorts of demolition, but it was only a tactic to make our home unlivable so they could pressure us to take a low-ball settlement. Eight months ago, against timely procedure requirements, invoked the Appraisal process to determine a reasonable settlement amount to rebuild or replace our home. Instead of doing the Appraisal or seeing to its completion, they have done nothing for 8 months but use it as another delay tactic. We have paid our mortgage for the past two years but are unable to return home, or have a home anywhere, on the road all this time, running up huge hotel bills, another way they try to wear us down so we will take whatever their next low-ball offer will be, and they have done that several times, always a crazy low-ball offer to settle the claim. One thing to watch out for with them is how they make sure you use up your living expenses coverage on your policy which we did about a year ago, so we have to pay out of pocket for our lodging, always eating out, etc. They delay your claim forever so you are under financial pressure and go deep into debt which gives them more leverage to settle for a few pennies on the dollar as to what they are required by law and your policy to pay to restore or replace your home. Watch out for this company. They cannot be trusted to do anything right, and they in fact do everything wrong, even the way they had our home gutted and recontaminated, wasting lots of coverage funds out of spite and meanness. Ameriprise has been fined many millions of dollars for their bad acts, but they just keep it up. If they were fined a few billion dollars maybe it would get their attention. They should be shut down by FINRA and the SEC because they continue to do what they were heavily fined for and it had no effect on their ongoing misconduct on our claim or anyone else's. They have even had us attacked by their Adjuster that 911 deputies had to remove after Ameriprise sent him and took over our home. We will never feel safe at our home again in the slight chance it could be rebuilt. Ameriprise acts like an organized crime group in the way they have harassed us several times now. Their scam includes keeping you on the road, off balance, so they can use their vast resources and organization against us by taking advantage of the fact that we don't have an office or den to sit in to see this claim to a fair end. They are vicious, especially considering they happily exploit my military injuries as a totally disabled Marine Corps veteran. They even caused the loss of my service dog and have ruined my wife's life and the lives of our two boys. A truly sick and horribly destructive company!
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