American Family Insurance Group’s earns a 2.6-star rating from 1 reviews and 27 complaints, showing that the majority of policyholders are somewhat satisfied with their coverage and service.
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They take lying and gaslighting to levels not known before :(
First, the online ratings of this company are FRAUDULENT, meaning, they paid for them. But lets get started:
I switched to them in June. Roof and exterior got inspected by a contractor, who was nice, but I told him; "see anything you don't like, come tell me". He was here 10 minutes and then gone. Translated: he saw nothing wrong.
AFI owes me a 'double payment' wrongfully made by my lender to them. I have asked them to refund me, not two months out, no refund. My agent e-mailed me last night stating there was a problem with my roof. I don't go up there but I can see '3' of '4' sides of it from the ground. As of last week, I saw no issues up there. But now as I wanted that refund, the roof suddenly has issues? Yeah. Right. They are such predictably BAD LIARS that now they will try to cancel the policy because they cannot follow instructions on how to reimburse me the wrongful payment made by my CRIMINAL lender to them.
I saw this coming but thought; "no company is this SCUMMY" I was wrong.
Recommendation: BEAT YOURSELF IN THE FACE WITH A LARGE HAMMER BEFORE ALLOWING THESE GUYS TO RIP YOU OFF AND GASLIGHT YOU!
American Family Insurance Group Complaints 27
AmFam price increase 65%
I live in Spanish Fork, Utah. There are 5 driving adults in the house I live in. All of us switched to AmFam (thru Costco) about 2 years ago. We all recently received our new bills for upcoming 6-month premiums. Mine, alone, JUMPED from $277 to $457 -- 65%! The others are similar.
I have been driving for 50 years (age 66, and perfect health), no at-fault accidents, no tickets, no lapses in coverage, no late insurance payments, have not moved, and "excellent" credit (similar circumstances to the other 4 driving adults in this house). In other words, none of our circumstances have changed in the past 6 months. I have NEVER seen anything like our price hikes! I (and the other drivers in my household) am an Insurer's dream client. Is this not "price gouging"?
Desired outcome: Report AmFam for "price gouging" and unsavory insurance practices.
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Home owners ins
I had been with american family ins. For 16 years. Had my company ins. Workers comp. And commercial ins. With them and 2 homes, 2 cars, 4 atv's. And we had $8,000 homeowners claim and we never had a homeowner's claim in 16 years. They would not renew our homeowner's policy ie. (cancelled us). There is no loyalty within the insurance industry. American family ins. Beware of filing a claim. The agent didn"t fight for us but he did quott us a policy over twice what we were paying.. Thus we went with another company and took all our insurable properties with us. Buyer be ware
Desired outcome: compassion and loyalty
Lockout Service / Emergency Roadside Service
My daughter was at Lake Afton here in Kansas and locked herself out of her car. She filed a claim online around 3:30 p.m. yesterday, August 17, 2022. Her name is Brittany Behrens. The ETA was 60-90 minutes. Over 2 hours passed, and still no one showed up. The battery in her phone was dying. She called me. I called Am Fam and was told the tow company had to work an emergency and was given a 30 minute ETA. I called the Tow company (J & R Towing) and they said they don't go out to the lake. I pleaded with them to help my daughter. They said they would call the insurance company and would call me back. No call. I called them at 6:08 pm and 6:32 p.m. I even called Am Fam Claims at 5:49 pm and 6:52 p.m. I pleaded with them to help her and it was starting to get dark. I think someone finally showed up around 8 p.m. (or maybe it was later). This is totally unacceptable! She had to wait over 4 1/2 hours! Because of her frustration in waiting someone to show up, she starting hitting her car, which caused dents in her car. No one should have to wait 4 1/12 hours for service that is as easy as unlocking a door.
Desired outcome: I would like someone to call and apologize to Brittany. If you can give her any kind of compensation, that would be appreciated, too. The claim is filed with her phone number [protected].
Is American Family Insurance Group Legit?
American Family Insurance Group earns a trustworthiness rating of 96%
Highly recommended, but caution will not hurt.
We found clear and detailed contact information for American Family Insurance Group. The company provides a physical address, 2 phone numbers, and 2 emails, as well as 4 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers.
American Family Insurance Group has claimed the domain name for amfam.com for a long time, which suggests that the website is established and has a history of being in operation. This is a positive sign, as it indicates that the website has been around for a while and may have a reputation to maintain.
Amfam.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.
Amfam.com has been deemed safe to visit, as it is protected by a cloud-based cybersecurity solution that uses the Domain Name System (DNS) to help protect networks from online threats.
Several positive reviews for American Family Insurance Group have been found on various review sites. While this may be a good sign, it is important to approach these reviews with caution and consider the possibility of fake or biased reviews.
We looked up American Family Insurance Group and found that the website is receiving a high amount of traffic. This could be a sign of a popular and trustworthy website, but it is still important to exercise caution and verify the legitimacy of the site before sharing any personal or financial information
However ComplaintsBoard has detected that:
- Amfam.com to appear inactive or unused, such as technical issues or a temporary shutdown. In any case, if you are having trouble getting a response from the company or recovering your money, it may be wise to take further steps to protect yourself, such as seeking a chargeback from your bank or contacting a relevant consumer protection agency.
Unauthorized home owner's policy
I purchased my home in the summer of 2018. This purchase was a home that I rehabbed and put a lot of work into. Four years later I found myself in a position that I had to make a claim from storm damage to replace the roof on my home and detached garage along with a storm door and porch light replacement from the storm. As the home owner I did my do diligence of acquiring 3 bids from roofing companies, made my selection and proceeded with the claims adjuster that I was not impressed with. Of course American Family wanted to fight me on replacing the roof and just wanted to do a repair on a 24yr old roof! After insisting on a replacement based on the advice and professionalism of all three roofers I was given a bid for replacement. But my estimate of replacement was a far cry from my bid. I was then informed that I had an ACV policy. I had no idea what that was nor was I made aware at the time of purchase of my policy! I have since learned that from the start the AMF had deemed my roof in poor condition due to its age in their drive by inspection. Any roof over 15 yrs they won't insure with an RCV policy. I was never provided documentation of any kind nor was I verbally informed! Which robbed me of the opportunity to take the situation to the seller. I am in a situation that I have to have my roof replaced and I do not have the funds myself for this kind of repair! I have gone up the chain three levels and I have gotten no where! This is completely unacceptable, unethical and AMF has completed dropped ball and needs to take accountability for this catastrophe! Why would I purchase a home put all kinds of work in it and then under insure it?! I am not stopping unit this wrong gets made right! The agent in Excelsior Springs, MO needs to take accountability! BTW I have bought & sold several homes and even built a how house and have never experienced anything like this! Also I sure add that my mortgage inspection states my house and roof in good repair! This is very unique policy that should have been clearly explained and was not and I as the future buyer should have been made of the AMF insurance standards for insuring a roof/home and I was not!
Desired outcome: AMF needs to take accountability & pay for the storm damage. This definitely would have been vital in making my decision on how would have moved forward in the purchase of this home.
american family insurance
My vehicle was parked in a private parking stall while I was at work with my client .your unlicensed insured party back there jeep at high speed into my van .I lost my job due to no rental vehicle. So I'm out a job and the placed used parts on my new van .they don't return calls left several messages for them to call me .they claim no diminished value .yet I just lost 1500.00 value on my van due to accident that American family insurance party is a 100% fault .
roof claim
I filed a claim after finding hail damage on my roof. I was told by the Adjuster that he would be here on May 10th at 11 am. He called my wife and showed up an hour early not giving me enough time to get home. I luckily was able to get home just as he was getting down from my roof. My roofing contractor was there at the time. The Adjuster told me there was hail damage to 3 windows and also to a gutter but none to my roof. I called my Agent upon the Adjuster leaving. She briefly spoke on behalf of the Adjuster. She told me that she would call him, and if she didn't like the answers she heard from him she would call his supervisor. I asked for another adjuster to come out and give me a second opinion and she said "We can do that since you had your roofing contractor out there." Upon calling a couple of other Am Fam agents they said I was getting my chain yanked and that is not a thing." It is one week later and I have not heard a word from the Agent who said whe would call me back. Her secretary called me on Monday 5/13 to ask how my claim was going. She obviously had not talked to her boss about this . But she promised me that she would make it her top priority the next morning. And here we are 5 days later and not a word. I have not recieved anything as far as denial notice, hell I haven't even been given any paperwork. The only info is the original claim #. Very dissapointing the information. My neighbor 2 houses down is getting his roof replaced and mine was denied. Very unfortanate. Especially when the adjuster took his area to check under a tree.
house fire/they are refusing to pay full costs for contractor bids only to put the house back the way it was, not betterment.
House fire Jan. 13, 2018... Adjuster has become very combative and is refusing to pay the going rate/bid for my contractor's work. Example: Contractor is charging $6, 000 for a certain job. Adjuster says no, I will only pay $4, 000 for that job. Again, this is NOT betterment. He's doing this on more than one bill... I just want my house put back the way it was, and now it's going to be coming out of my pocket.
Insurance coverage - What insurance Coverage?
My agent is Bob Pratner in Colorado front range area. What a snake! We flooded and had all kinds of other damage as a result - no coverage. Hail destroyed the roof. Adjuster photo'd all the good areas and denied the claim. Bob promised rate adjustments twice and they came through. If you want to see what a gold old fashioned con artist looks like in real life, visit Bob's office and shake his hand.
20 years a customer, 1 claim on my home until Saturday, January 11th when we had about 2 inches of raw sewage back up into our finished basement. After filing a claim I'm told on Monday the 13th, sorry, you don't have the back up endorsement so you're not covered. How the Hell am I suppose to have this when I was never told I need it? So because of something I was never told I needed, which I don't have I am just pretty much screwed! I will tell everyone I know to never use American Family. After reading all these reviews I can see that I'm not alone. It's just sad that a company could take over 15, 000 dollars in premiums from a customer and then when said customer needs to actually use what he has been paying for they tell him to bad, you're screwed! Shopping for new insurance tomorrow!
Completely unnecessary thing
I obtained the insurance from the company www.amfam.com. I was surprised that when I got the neck injury, the rep from the company was angry and told me that this insurance wouldn’t cover such injury. I was shocked and couldn’t believe in this crap. I asked this guy for what I have been paying all this time, but he started to diddle-daddle. Be aware that their insurances are total ### and useless things.
Manipulating the Value of Vehicles via AudaExplore
American Family Insurance's client crossed an entire lane and hit my 1996 Grand Marquis with 61, 000 miles. Before this accident this vehicle had no previous damage to the body and ran mechanically sound. First American Family Insurance tried claiming that my family was 10% at fault and we could have avoided their client from hitting us after their client crossed an entire lane on a two way street with parking on both sides and hit our front left bumper directly perpendicular. I couldn't believe how arrogant the agent was on the phone at first but then after i argued this for an entire day he finally said sorry because he thought it was a 4 lane highway?!?!?
Already being frustrated with this company as a victim of their client's doings i came to find that they are trying o total my vehicle claiming my vehicle is only worth $2, 200.00. The agent never sent me a valuation process until my insurance company requested it and she then only sent tit to my Insurance agent and he then had to forward it on to me. I read in to the fine print of the valuation process and came to find even more frustrating news. American Family is using 2 vehicles and comparisons; both vehicles having moderate damage to the body and one vehicle having 180, 000 miles and another with 146, 000. Keep in mind my vehicle has never been in an accident, had no body damage prior to this incident and only has 61, 000 miles!
Not only are the comparisons a purposeful manipulation but so is the 3rd party formula they use via AudaExplore. This 3rd party company gets its information from 3rd parties and guarantees no accuracy to any of its information!
Going on,
This formula rewards a half cent per mile for the differences in mileages between these specific vehicles and claims that this is straight from the State of Ohio. I can't find this information anywhere else other than the fine print of this document. I mean could you imagine being at a car lot and having a salesmen trying to sell you the vehicle with 180, 000 miles for only $595.00 less than the one with 61, 000 miles?
180, 000-61, 000=119, 000X.005=$595.00
This is a crime and I pray that an attorney of some sort reads this and decides to do the right thing and puts a stop to this companies wrong doing. This vehicle was given to me by my Grandparents when my son was born and they bought the car brand new in 96 for $22, 000.00 Now this company is saying that the years spent keeping the car in this type of condition is only worth $2, 200.00
My 2010 Prius was hit by an American Family client. He was ran off the by a car that left the scene but he t boned me. American Family only wants to pay 25% of my damage and no rental car. My car did not hit any other car. I was spun around and ended up in the median. The AMF client admitted it was his fault.
House robbed won't take care of anything person out of state you deal with took 16 months for anything to happen SUCKS didnt want to deal
American Family Insurance is pretty good about selling you insurance but when you need them they will try everything they can not to pay. Very loyal customer but very unhappy with American FAmily Insurance. Very UnAmerican what they do to you...
unprofessional personnel
I have been a customer of AmFam for 20 + years. I recently went into the local office (Stacy Phillips agency) for a quote on two new work trucks that I had just purchased for my business. I wasn't greeted by a friendly face, orwas kindly asked to have a seat. Instead, was just told to "hang on, be right there" by this person named julie; that weighs about 300 lbs and no personality. After about 10 minutes of waiting for this person to get off the phone, which was obviously a personal call because i overheard talk about a food recipe, I was finally asked to have a seat. In the next few minutes, during the conversation about the quote that I needed, she must of picked up her personal cell phone at least a dozen times. And then her personal phone rang from an incoming call, and she actually answered it. I was patient for about another minute or two, before having gotten enough of having to wait on this person to get done giving her personal matters priority over my business with AmFam and left. My advice to all is simply find a more respective agent for your needs that will give you and AmFam the respect that they both deserve.
Yeah I went in for a quote on my bike, and was ignored for several minutes because whoever that heavyset bleached blonde is was constantly on the phone.
I switched agents in Joplin, Mo because that Julie person that works upfront, is not very knowknowledgeable or terribly friendly.
The complaint has been investigated and resolved to the customer’s satisfaction.
Denial of Hail Insurance Claim
Date of Loss: 5/28/2012
Policy - American Family Insurance
Type of Loss: Wind and/or Hail
Date Contacted: 6/01/2012
Date Est. Completed 6/11/2012
Extension Requested 9/14/2012
It is my opinion that throughout this entire process American Family Insurance has vigorously tried though out this entire process to deny this claim. The first battle was with Scott Narrell - a contractor hired by American Family Insurance in response to the overwhelming number of claims filed in this area after the May 28th 2012 hailstorm. He showed up without a ladder and without so much as a business card but proceeded dispute our claim. If my father hadn't driven three hours to be present with me at this time, I know without a doubt that I would have been steam rolled as his manners were belligerent and quite nasty. My dad continued to try to follow up with him in order to obtain a prompt acceptance of my claim. The claim was accepted 06/11/2012.
On 6/28/2012, the contractor who had submitted our first estimate - prepared a new estimate, as he realized that the scope of the work was much larger than he had previously realized. We promptly submitted this new estimate to my local insurance agent - Shane Cass. Again, American Family Insurance as represented by Catastrophe Adjuster Nelson Stegall was reluctant to give approval. Once again, we had to fight to get this claim resolved. It involved several phone calls and possible threat of a lawsuit to get them to accept this additional settlement amount. On 07/18/ 2012 - they finally sent a letter approving settlement amount. By this time, however, our local roofing contractors were flooded by overwhelming demand for work - I went from being somewhere at the front of the line to way in the back.
Local quality contractors were working at least two to three months out and each time I contacted them I was informed that they were still two to three months out. They would show me a stack of proposals and contracts that were ahead of me. Eventually I was told that requests for work were pushing new projects into the Spring of 2013. I could do nothing but watch in frustration as many of my neighbors homes received new roofs and siding. At that point in September both my father and I were advised by various local contractors as well as a local American Family Insurance Claims Adjuster / Inspector that it is not recommended to have an asphalt roof replaced in colder weather as it affect the quality of the roofing work. They explained that we should resign ourselves to waiting until after the upcoming winter.
On September 14th, 2012, I sent a certified letter to American Family Insurance Group - Catastrophe Claims Service informing them that due to the catastrophic nature of the hail storm of 5/28/2012 followed closely by another local natural flooding disaster and combined with the difficulties that we encountered trying to resolve this claim - it was very unlikely that we would be able to secure a contractor within the one year time frame. I did not receive any notice from American Family Insurance regarding my letter but I did receive a voice mail message asking me to call a 1800 number. I stopped in to talk with my local American Family agent - Shane and he told me that he had received a copy of my letter. I asked him if he knew why I was being asked to call his corporate offices and he told me that his company had questions about my expressing concerns about going into winter with my roof not being repaired. I told him that my local contractor had assured me that my roof would be ok until Spring. He told me that was what they needed to know and that it was fine. I left his office assured that everything was taken care of.
The prolonged winter weather in this area including record cold temps and snowfall prevented hardly and roofing work from beginning until May. I repeatedly contacted the roofer who had been recommended by the by the American Family Claims Adjuster / Inspector and he told me that he would take care of it. He asked me if I had contacted my insurance company and explained my need for an extension and I told him that I had. He assured me that I had nothing to worry about and he would get to it as soon. I called him repeatedly trying to pin him down and get a contract signed with a start time and completion date. I eventually had to let him know that I would have to contact another roofing contractor if he didn't act.
I signed an estimate/contract with my roofing contractor and gave him a down payment on the day his company began working on my roof on July 29th. On Friday August 2nd - my roofing contractor asked me to call Christy Hemmy of American Family Insurance @ [protected] ext 70931 to confirm that the work was being completed and to go ahead and release the rest of the money for my claim. She informed me for the first time that American Family Insurance would not be paying on my claim because the one year deadline had passed. I told her that I had submitted a request for an extension. She readily acknowledged having received it but that they had not accepted it. I told her that I had not been informed of this position previously and asked her why? She told me that she had tried to call me twice this past Fall and that I had not called her back. I pointed out that I never received a letter and that I believe it should have been a certified letter so that they could have assured that I had received this vital information. I also told her that I had stopped by my local agent’s office around that same time and that he had assured me that it HAD been accepted. I asked her why my request for an extension was denied and she told me that it was because all requests for extensions need to be signed by the contractor and have an estimated starting date and finishing date. This was another bit of information that I was just being informed of.
This has been a debilitating, emotional roller-coaster for me. I had a full blown panic attack after finding out that American Family was refusing to pay on my claim - I sobbed in my local American Family Insurance agents office (much to my embarrassment) - I told him that I have a disability which causes me to struggle with deadlines - communication - and that if his company is playing gotcha then people like me will always lose.
When I informed my contractor about my phone call with American Family he was very sympathetic about it. He told me that American Family Insurance is the only one denying claims on such an arbitrary basis. He suggested that I contact the Minnesota Insurance Commissioner - which is your office. I hope that you can help. He told me that he believes that I will eventually receive claim money but that it will take time and that he can not afford to pay his crew and would have to pull his guys off of my uncompleted roof unless I could assure payment.
I had an accident and they have not resolved my claim or settle my repair issue and i have been in contact with several adjusters and still no repaired my vehicle completely. I would liket my vehicle repaired compaetely otherwise refund the dollar amount involved that i compensated my pocket for the repairs
We strongly recommend others look elsewhere as well
We had a huge ice storm in our small town, Carter Lake, Iowa several months ago. All the other homes have been repaired for weeks and months. Our Home Owners Association - the Shoal Pointe HOA- had contracted with American Family Insurance for insurance coverage. We are still fighting to get our claims fairly resolved. No one else in the entire community has experienced the reluctance and the delays, slow response and general difficulty we have had with American Family. Other companies have long since settled with home owners. Other homes are long since repaired. Months after the ice storm, our block still has broken windows, damaged garages, pocked siding, and broken decks.
Our HOA will NOT be using American Family Insurance again. We strongly recommend others look elsewhere as well.
They do not pay for roof damage ever
I am a Contractor, I have been roofing for 20+ years, and in that time I have replaced thousands of roofs... That said, I want all to know that when it comes to getting your roof bought by storm damage, do not count on American Family! In the last year I have contacted or been contacted by over 300 clients with AFI (American Family Insurance) out of these 300, 2 roofs have been replaced! While we do roofs every where in Colorado, the same roofs next door are bought by all the competitors... State Farm, Hartford, Allstate, USAA, etc... AFI hires the hardest Adjusters to do business with, they look at wind and hail damage in a totally different way than the rest of the industry... Hard Core, when the roof leaks they will replace a couple of hundred dollars of drywall, but not the cause of the leak, the ROOF... Oh the $200 is paid by the client because of the DEDUCTIBLE that they give clients on roofs is 2K, 3K, 5K, etc... WOW, if I were in your shoes, its time to change insurance folks... My 2 Cents...
The complaint has been investigated and resolved to the customer’s satisfaction.
Same story AFI low ball my roof repair to were it will not pay for Materials. A roof that cost about 6-10,000.00 they payed 4500 les deductible of a 1000 3500.00. I found someone to put on a foam roof for 5,200 . I had a rubberized roof with bids to replace at 11,000.00 to 19,000.00 they found a roofer that has never done a rubberized roof to do it for $4500.00 but because the material is on back order for 3-6 months they offer to tarp it at my cost upfront to be reimbursed at probably there rate so I have no idea if I will ever be reimbursed anything.
So I am paying out of pocket for a foam roof
Making my out of pocket 1,000.00 after deductible. Taking a cheeper roof to get it under roof asap not 3-6 month .
Stay away from America Family Insurance
You will pay more then they do
I'm in a condominium complex, I filed a legitamate claim with AFI due to damage caused by a water leak in my unit from the toilet supply pipe. Damage done to the unit below and some to the common property. They rejected my claim saying it was not caused by negligence, so they won't cover it? Avoid these carpet baggers at all costs, they're setup strictly to take in your premiums and stone you with simple legitimate claims. When I drop them and possibly go with the Flo, they better not do this at Progressive. Anyone know if Flo is any better at paying her claims?
I had property insurance with American Family for years. My rates were getting higher. When I asked my agent why I was paying so much more for property insurance than many other people I knew, he said it was because I had an old roof and an old roof will damage easier. But then, guess what, a big hail storm hit and almost every house on my block had to get a new roof -- at the expense of their insurance company. But not mine through American Family. They maintained that since it was an old roof they would not pay. The storm left my gutters full of pebbles that had been sheared off the roof by the hail and I had to have the gutters cleaned. I ended up paying for the roof myself. I have changed insurance companies and I WOULD NEVER AGAIN HAVE AMERICAN FAMILY INSURE MY PROPERTY. Years back, they were pretty good, but their police re paying claims seems to have changed.
The only way to stop an insurance company from denying legitimate claims is to file a lawsuit. Many attorney's will take a case on a contingent fee basis, which means you never pay anything out of your pocket. The attorney takes a percentage of the recovery. The percentage is usually 40%. The recovery on an insurance claim is the cost to repair/replace PLUS attorney's fees. if you need an attorney referral email me at preston.dugas@gmail.com.
I am an insurance attorney. I sue insurance companies. I'm not here to solicit any business, but whoever left this original post, I'd like to talk to you. My firm is currently representing a client in a suit against American Family in Colorado. I could use your help. Please email me - jwillis@dalyblack.com.
I just had the same problem with AmFam and have been fighting with them since a windstorm in January took off 20% of the shingles on my roof. Three roofers say I also had hail damage from the July 2016 hail storm (I wasn't home at the time so didn't know I had damage) American Family has sent 3 adjusters out and all are denying the hail claim and want me to patch the roof where the shingles are gone from the wind storm. I have had American Family insurance on my home and cars since 1988, almost 30 years. I am mad as a hornet and will go to the mat against this company. It is time for a class action lawsuit against AmFam, it is time for a social media campaign to make all of this public.
Asa Hovis Im ready to jump on board with the class action law suit . American faimly also denied my roof claim . Theres over 40 new roofs replaced on my street by other insurance companies. contact me lets get a class action law suit started . [protected]
Same story with American Faimly insurance . Im the only roof denied in my huge subdivision
Home car 5th wheel dont buy INSURANCE wont pay wasting your money BE PREPARED TOO FIGHT!
We filed a claim after a few bad hail storms last year. AmFam denied our claim. We had 2 contractors come out and give us estimates of around $7k to replace our siding. We then had an engineer come out to inspect our property as well. We get a letter in the mail about 2 weeks later stating that due to the "deteriorating nature of our property", that they could no longer insure us. We then get a call from the adjuster that they approved our claim for only 2, 000, which isn't even anywhere close enough the even start the job. They will only replace 2 sides of the house. Our contractor told AmFam that 2200 won't even even fix 2 sides of the house and the siding wont match and won't connect at the corners... We feel so helpless and don't know what to do. Our next calls are going to be to the Ohio State Attorney Generals office and to the Insurance Commission. This is ridiculous. They wouldn't have dropped us had we not filed a claim. Not only are they not completing the job, they pretty much slapped us in the face. Thanks American Family, for royally screwing us over. They told my fiance that when he signed up for his policy that he didn't sign up for the policy that required "matching of siding". You have got to be kidding me.
AmFam is a joke! I had an adjuster come out and say we had hail and wind damage, four (4) people heard this at the same time, but buy the time he got back to the office he stated that there was no hail damage. But, we didn't know this until 1 day before our repairs were supposed to be completed. How can we complete our repairs if the adjuster has not gotten back with us and is "on medical leave" how convenient. Guess what AmFam is refusing to give us an extention for the completion date even though it is there fault.
Same miserable AFI insurance claim coverage here in Chanhassen, MN. Our area had major hail storm damage in early Summer of 2008. Roofing contractors have been buzzing through our neighborhood like so many flies, since. Many houses in our neighborhood, including the house next door, across the street, three doors down, directly behind ours, and many many others, have had their roof replaced "IN FULL" by their respective insurance companies. The common link to the full roof replacement... none of these LUCKY home owners were covered by AFI. I've had two AFI insurance adjusters at my house two times since. Much to my family's disappointment, AFI has only provided ~$3, 200 in "Spot Damage Repair" for an otherwise total roof replacement cost of ~$13, 000 to $15, 000, depending upon the various roofing contractor's estimates we've had quoted since. Ridiculous. There's one other aspect to all of this... When we built our home in 1999, we selected to "upgrade" to CertainTeed's organic Hearthstead shingles. What a mistake. This shingle-type has been the subject of a nation-wide class action suit for being that of a defective product (e.g. excessive curling of the shingle over time). AFI is fully aware of this class action suit, the resulting settlement (which is a joke in and of itself), and has purchased much (or the remaining) stock of this defective product to provide it's customers for "Spot Replacement" such as mine. Yes, that is to say that AFI is choosing to repair it's customer's roof's with a known defective product. Again... Ridiculous. My advice to anyone with AFI homeowner's insurance who is not currently doing battle with them for an adjustment... drop 'em like a rock!
DO NOT USE AMERICAN FAMILY INSURANCE! American Family has apparently found another way to keep insurance premiums paid by consumers. We were insured for 24 yrs w/American Family w/ no claims filed & no inspections by American Family in all that time. Suddenly last winter (2011) we received a letter stating an inspector would be out - after one of the worst snows we had all winter. Then in late May 2011 we received a letter from American Family that if we did not repair trees overhanging house, some gutter problems, etc. our insurance would be cancelled on July 15th. We talked with our local agent & were told it would be okay - just make requested repairs. Then the second week or so of June we received cancellation letter with no review of our progress on repairs. Understand we needed to make substantial repairs but American Family gave us no opportunity to do the work within a reasonable amount of time before cancellation. Local agent just led us along with promises that he could get us other temporary coverage but of course on July 15th we got a so-sorry good bye phone call. So now we have no homeowners insurance & our mortgage co will force us to take their coverage at double the premium or foreclosure.
Now we have found out we are not the only ones this has happened to in the last few months - another family in a nearby city has had the same thing happen to them.
5th of Aug, 2011 by nothappywithAFI
0 Votes
Same story here with American Family! had a bad hail storm here and everyone on our street is getting a new roof but us! and we have major damage. 25 years with AMI and no claims, nothing! and this is how they treat us! Very Very disgusted!
17th of Sep, 2011 by all10pins
0 Votes
Same story here also. Bad hail storm on April 19 2011, every house in my court has had a new roof installed on it except mine. They say there is hail damage on my roof BUT the shingles are defective so they are denying my claim. The house is only 10 years old. I have had 4 contractors look at the roof and all have said there is hail damage . I am in the middle of an Appraisal process right now but haven't heard nothing from them in a week. Am Fam is one of the top three company to deal with in hail storms as per thr contractors. I will be switching when all is said and done.
unwarranted rate increase
After beng a loyal customer to Am.Fam for nearly 20 years we (my wife and I) recieved a letter informing us our rate was increasing. Now mind you our history with this company in almost 20 years we have had 2 auto claims and 1 home claim. Another claim supposedly but I can't figure out how they even considered it a claim. We called them and said we wanted to make sure we didn't have hail damage to our roof being 9 houses on our street had to be relpaced. So they sent out an inspector and he of course said "NOPE" you don't have damage. Then these idiots stated that because we had our roof inspected, it counted as a claim?! WTH! So then we get a letter about 2 years later. Stating that because our credit score was low (with this economy who's isn't?) they were going to raise our rate nealrly 24%. WOW lets kick a man while he's down. So I called around and guess what. STATE FARM doesn't base your rate on your credit. Nor should anyone. They act as if you have had some finacial hardship your going to commit a crime or you have already done it. I say if you have had this done to you... SPEAK with your wallet. Even if it cost a little bit more in the beginning put companies like American Family out of business. Just my 2 cents.
sincerely
LH in Indianapolis
The complaint has been investigated and resolved to the customer’s satisfaction.
State Farm also reviews Consumer Report, therefore what you have been told is not true. All insurance companies review this and i think it's ridiculous! no claims and no tickets should result in good premiums!
I've been in the insurance business for 24 years and I can tell you that when the rates go up, it's because the company is failing to make a profit. If you don't like it, go shopping...there are plenty of other companies out there and it's not difficult to switch. Don't take it so personally. But other companies are insuring the same houses and neighborhoods Am Fam is, so if State Farm is lower now, they won't be for long. Also, credit is one of the predictors of future losses and a good one at that. The people with the lowest credit scores account for the majority of an insurance companies claims, both home and auto. That's not saying you personally will have a claim, it's saying that you fall into a group of people that tend to have higher than average chance of a claim. Hope that helps. Oh, and by the way, when you call your insurance company to send an adjuster out to look at a hail claim, that's called filing a claiim. They are not in the business of running around and giving estimates. When an insurance rep, other than your agent, comes to your home...you have just filed a claim.
Trying to avoid paying my claim
I wish to submit a complaint about American Family Insurance and will do so on other sites besides this one. I was involved in an accident last week where I was parked parallel besides the sidewalk (in a parking space). I looked before I opened my driver’s side door and did open it but not fully because I didn’t want to have someone hit my car.
I turned to get my purse and to tell my children to wait until I go around to the other side to open their doors when my driver’s side door was hit by a vehicle who was trying to park in a space in front of my car. The metal on my door on the bottom is peeled up now and jagged. We exchanged insurance information but did not call the police (something I now regret). My insurance company (Geico)took my statement, the other driver’s statement, took pictures of both cars and said I wasn’t liable and the other driver was.
American Family, whose claim adjuster I had difficulty reaching and would exchange phone messages and with whom I didn’t feel really showed much professionalism, left me a message yesterday that they found me liable and I would have to go through my own insurance to pay for it.
American Family Insurance never took any photos of my car I don’t feel conducted a thorough investigation. Geico did. Geico has told me that if I want them to take care of it I need to pay my $500 deductable (they have to replace the door which is over $1, 000) and then we can go to arbitration with American Family Insurance to recoup my $500 which I intend to do.
I did nothing wrong. My car was parked, I didn’t open my door on the other driver it was already adjar. I plan to file as many complaints as possible about American Family Insurance. I totally feel they were in the wrong and they are just trying to avoid paying my claim. I hope those that read this will seriously consider not choosing American Family for their insurance needs. They will not pay out.
claim adjustment disagreement
My complaint is with American Family Insurance adjuster, Steven W. Fejfar. On Jan. 19, 2011 I was backed up in the lane at West Walmart, in Sioux Falls, when I noticed a Black SUV that was parked diagonallly from me starting to back up. I honked my horn and proceeded to go forward as much as I could without hitting the rear of the car that was parked next to me to avoid the car coming at me. He didn't stop and hit my rear bumper and cracked it. The driver, a Mr. Terry Hunter, apologized and gave me his insurance info and said the adjuster would be in contact with me. I wanted to call police but he said we didn't have to since it was in a parking lot. (My mistake). The insurance adjuster, Steven W. Fejfar, called the next day and recorded me saying all this, only coming to the conclusion that American Family Insurance will not pay for anything. I am filing a complaint against this adjuster, who I believe had his mind made up from the beginning he was not going to pay anything. I believe because I was a woman driver I was discriminated against and since Mr Hunter had no damage to his car---they were just going to say both cars were backing up and neither saw the other. That is not what happened and I did not say that on the recording. I was well out in the driving lane and say him coming at me. I was not backing up when he was backing up. I was going forward trying to avoid him.
The complaint has been investigated and resolved to the customer’s satisfaction.
ignorant company
american family is terrible to deal with on accidents. i was a CLEARLY not at fault driver in a wreck with an american family insured driver. i have gotten the run around from the amfam claims adjuster since and they are now at 60/40. (them accepting 60 % responsibilty) me and my insurance said hell no and we are now going to arbitration. in the mean time no rental car and my truck is at least another two weeks away from being done. the adjuster was like a robot and could have cared less about doing the right thing, not to mention the names i called him and what i said went in one ear and out the other. since my incident, i have heard lots of bad things about american family. i can only say what comes around goes around. please don't inlist american family for your insurance needs and i hope you never have to deal with them.
The complaint has been investigated and resolved to the customer’s satisfaction.
I am experiencing the same delays and denials for over six weeks. An AMFAM insured hit my car, and she wrote a statement ADMITTING FAULT at the accident scene. She then said she had doctor appt and did not want to wait for police. Reluctantly I was nice guy and let her leave, but took pictures of her car and license plate, my car, and her insurance card. I called amfam claim number and made statement describing how she hit me, then later went to police station and completed report there, including her statement admitting fault and the pictures. Later she includes a statement to police with conflicting information now. Police report states she is at fault. Company adjuster is a cheat. Will send complaint to state insurance office, and would like to see them sanctioned or banned from business in state. Totally unethical.
They are great for auto insurance. If you have a homeowners claim youre screwed.
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This company sucks I was burglarized and its been 2 months and havent recieved a settlement yet. No sense of urgency at all.
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Their two recommended roofers said our roof needed to be replaced. Neighbors on all sides got new roofs however American Family refused to replace our roof. They used a very narrow parameter to get out of the coverage. We had Gold Star Special Deluxe coverage on our home umbrella coverage and all our business and personal cars covered by them. We paid them a fortune and they refused to cover our roof damage. Then they refused to renew our policy so they wouldnt have to pay in the future. They suck
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When we had very bad storm damage to our home American Family was the worst company to have. While other homes around us with far less damage were getting their roofs replaced American family wanted only to repair ours in spots. The deck on our home was damaged to the point it needed to be replace however again they denied the claim because they wanted only to fix it to condition it was in but claimes they couldnt do it because it wouldnt meet code. so they were not resposible for any repairs. I have been with them for 20 years this was our first claim and I will never deal with them again. The are a sham company and if your smart youll stay away from them
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I have home owners insurance with AmFam I am about to get an estimate and file a claim for roof damage I noticed today Im not very optimistic about the ourcome from the comments Ive read so far Im going on fifteen plus years with this incsurance company and it looks like the more years you have with this corporation the more you are likely to get an unfair outcome on your claims My home is in the midwest and weve had a hard winter very hot summer and more than our share of hail and high winds over 60 mph with storms this year When I think about homes being totally destroyed by mother nature and the horror stories that homeowners go through with filing claims and getting little to nothing for replacing major damage and restorations Well this can only mean that I need to prepare to get ready to bite the bullet on a fair outcome for the replacement or repair of my roof There should be a process that homeowners can utilize to take legal action against these insurance companies ripping hard working people off like this Maybe we should be taking out some legal representation insurance in addition to homeowners insurance.
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Our agent and her head lady are always very helpful and kind and do their job very well. One call and we get our answers and prvided help immediately if not before. Have been with our agent for many years
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truck stolen and recovered totaled burnt..still not paid. Home robbed settled for less than value. Storm damaged roof adjuster wanted patch it...three others said it wasnt patchable...been with them for 15 yrs. time to move on
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I was told they would cover a rental car and just a few days before I was to return the rental car they informed me they would not be covering the rental car anymore for absolutely no reason. I had to fight for 3 days straight to get them to cover for my rental car and in the end they didnt cover the whole thing. The company is filled with multiple dishonest people thats including the top people who I had to talk to in order to make them pay. Luckily I had the time to fight but the average person doesnt have the time I do and would go nowhere with them. DO NOT GET THIS INSURANCE COMPANY THEY LIE
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"Love my agent, hate my ins. adjuster. Had severe water damage, policy covers me to replace at current pricing. Adjuster said they'd cover everything. Gave me a $12, 000 check right away and told me to submit quotes for the rest of the work needed to be done, and more money would be "no problem". The total of repairs is about $27, 000.00, which comes to $13, 000 additional which I need because I can't start the project without it. The few times she answered my calls her response is always "Don't worry, additional money is no problem. I didn't know your damage was so extensive when I cut the check and did the estimates. We'll give you what you need. Go ahead and get started." My damage is such that I can't get started unless I know that the additional funds will be here. She hasn't returned calls or come up with any money and it's been a month since the initial check. She hasn't even come back to see the additional damage that was discovered. My floors were all pulled out, my walls are all cut into. I have asthma (which I told the adjuster) and the dust and dirt is making my asthma worse. I'm living in terrible conditions, most people would have gone to a hotel and stayed put until the repairs were finished. But not me. No, I wanted to be considerate of AM FAM. I didn't want to "take advantage" of them. "We're here for you. We'll take good care of you" they all say when they want to sign you up. But the real truth is in the results. Right now I'm very close to contacting the insurance commission in Washington state where I live. "American" Family is a bunch of crap. The very name is an insult to America."
Same story here with American Family! had a bad hail storm here and everyone on our street is getting a new roof but us! and we have major damage. 25 years with AMI and no claims, nothing! and this is how they treat us! Very Very disgusted!
17th of Sep, 2011 by all10pins
0 Votes
Same story here also. Bad hail storm on April 19 2011, every house in my court has had a new roof installed on it except mine. They say there is hail damage on my roof BUT the shingles are defective so they are denying my claim. The house is only 10 years old. I have had 4 contractors look at the roof and all have said there is hail damage . I am in the middle of an Appraisal process right now but haven't heard nothing from them in a week. Am Fam is one of the top three company to deal with in hail storms as per thr contractors. I will be switching when all is said and done.
I am a Contractor, I have been roofing for 20+ years, and in that time I have replaced thousands of roofs... That said, I want all to know that when it comes to getting your roof bought by storm damage, do not count on American Family! In the last year I have contacted or been contacted by over 300 clients with AFI (American Family Insurance) out of these 300, 2 roofs have been replaced! While we do roofs every where in Colorado, the same roofs next door are bought by all the competitors... State Farm, Hartford, Allstate, USAA, etc... AFI hires the hardest Adjusters to do business with, they look at wind and hail damage in a totally different way than the rest of the industry... Hard Core, when the roof leaks they will replace a couple of hundred dollars of drywall, but not the cause of the leak, the ROOF... Oh the $200 is paid by the client because of the DEDUCTIBLE that they give clients on roofs is 2K, 3K, 5K, etc... WOW, if I were in your shoes, its time to change insurance folks... My 2 Cents...
DO NOT USE AMERICAN FAMILY INSURANCE! American Family has apparently found another way to keep insurance premiums paid by consumers. We were insured for 24 yrs w/American Family w/ no claims filed & no inspections by American Family in all that time. Suddenly last winter (2011) we received a letter stating an inspector would be out - after one of the worst snows we had all winter. Then in late May 2011 we received a letter from American Family that if we did not repair trees overhanging house, some gutter problems, etc. our insurance would be cancelled on July 15th. We talked with our local agent & were told it would be okay - just make requested repairs. Then the second week or so of June we received cancellation letter with no review of our progress on repairs. Understand we needed to make substantial repairs but American Family gave us no opportunity to do the work within a reasonable amount of time before cancellation. Local agent just led us along with promises that he could get us other temporary coverage but of course on July 15th we got a so-sorry good bye phone call. So now we have no homeowners insurance & our mortgage co will force us to take their coverage at double the premium or foreclosure.
Now we have found out we are not the only ones this has happened to in the last few months - another family in a nearby city has had the same thing happen to them.
Follow up
I was involved in an accident around mid October of 2010, after a few days I was asked to give my testimony on the accident. That was over a month, I have been unable to contact the agent assigned to my case, and have recently found out that I will not be able to until the beginning of next year. From what another representative told me, all of the required information concerning the accident has been submitted to their offices, but no one has done any work on it. At the very least I expected to receive a phone call with an update after 2 weeks, but it has been left onto me to call them in order to find out anything.
I am currently in the process of "trying" to contact the manager of the office, but it seems like I may end up having to visit their location. I wanted to get the damage fixed to my car before winter hit to avoid further damage, but the way things are going this may not be the case.
The complaint has been investigated and resolved to the customer’s satisfaction.
it is true...if you were drunk or on drugs or had no license they will not cover your claim period. Not saying you were BUT if that is the case or you were found at fault they will not fix it
Claims
On 03/28/2010 My 2007 Sebring was stolen and wrecked front, back and side. The appraiser came out and wrote up the paperwork figuring that there was $8950.00 and it stated a TOTAL LOSS. He then drew a line across the total loss part and then asked what shop do I want it taken to. He said it was welll within the repairable limits. a few days later after the shop took the car apart they asked for him to come back out and take another look. This took him 4 days to get around to do.
My rental car coverage ended 04/28/2010 and today is 05/08/2010 and my car still isn't repaired. There is a problem with the electrial system and the car has caught on fire twice after working on the airbag wiring harness.
I thought that it couldn't get any worse untill I was reviewing the estimate and noticed that the appraiser inflated the value of my car by over $2000. by adding options that I didn't have. My car is listed on NADA and Kellys Blue book for about 9000.00 but by him falsly adding to the American Family estimating audatex that I had tinted windows, leather seats, MP3 player and much more, this jumped the value of my car to 13K. So they didnt have to total my car.
I have complained said company with no help. They only have the appraiser call me back the next day with a line of BS.
I just wish that they would have totaled my car and I could have been done with it, as it stands right now I am stuck paying $25.00 a day for a rental car because they wouldnt extend it.
Please if anyone is thinking of changing to them... dont. You might have a nice agent but they arent the ones that you turn to when you really need help.
The complaint has been investigated and resolved to the customer’s satisfaction.
Overview of American Family Insurance Group complaint handling
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American Family Insurance Group Contacts
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American Family Insurance Group phone numbers+1 (800) 692-6326+1 (800) 692-6326Click up if you have successfully reached American Family Insurance Group by calling +1 (800) 692-6326 phone number 0 0 users reported that they have successfully reached American Family Insurance Group by calling +1 (800) 692-6326 phone number Click down if you have unsuccessfully reached American Family Insurance Group by calling +1 (800) 692-6326 phone number 0 0 users reported that they have UNsuccessfully reached American Family Insurance Group by calling +1 (800) 692-6326 phone number+1 (608) 242-4100+1 (608) 242-4100Click up if you have successfully reached American Family Insurance Group by calling +1 (608) 242-4100 phone number 0 0 users reported that they have successfully reached American Family Insurance Group by calling +1 (608) 242-4100 phone number Click down if you have unsuccessfully reached American Family Insurance Group by calling +1 (608) 242-4100 phone number 0 0 users reported that they have UNsuccessfully reached American Family Insurance Group by calling +1 (608) 242-4100 phone numberReport Claim Fraud
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American Family Insurance Group emailscontact@amfam.com100%Confidence score: 100%Support
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American Family Insurance Group address6000 American Parkway, Madison, Wisconsin, 53783, United States
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I'm really sorry to hear about your frustrating experience with American Family Insurance Group. It sounds like you're dealing with more drama than a daytime soap opera!
The whole roof inspection situation sounds shady, especially when the contractor was in and out faster than you can say "insurance fraud." It’s like they pulled a disappearing act just to pop up with issues when you requested your refund. A refund shouldn't come with strings attached or sudden surprises about your roof.
Your patience with them is admirable, but it’s clear they’re testing it. Hopefully, they stop with the theatrics and sort out your refund soon. In the meantime, at least your sense of humor is holding up better than their customer service!
Stay strong, and may your dealings with them improve — or at least provide some entertaining stories to tell later.
Thank you for your kind words of understanding. In today's world, particularly in THIS country more than others, there is NO REGULATORY ANYTHING. Specifically, as my mortgage servicer, Newrez/Shellpoint is totally a combination of 'chinese water torture' mixed with 'penis plesmography' and puts me in an unusual situation (look at their reviews on TrustPilot and BBB) they 'feed' off of garbage like this insurance coprse-pany likes to dish out to customers. They'd LOVE to have an excuse to FPI me as they incessantly have threatened since they took over the mortgage from Caliber Home Loans, who was meticulously 'on it' with regard to minding the proverbial store. IF this group of circle jerker's decides to issue a 'cancellation' notice to me, I'll simply sue them for FRAUD because technically, I shouldn't have to beg them for the refund they either should send back to the criminal mortgage company's ESCROW group who purposely sent it to spite me. I warned the insurance company before I took out their policy on my home, that this garbage with Newrez/Shellpoint/ShaftPoint was 'real' and I explained to them that they needed to be aware of it. I left Snake Farm whom I had 'loved' years ago because I had an exemplary agent named Don Lerche in Eagan, Minnesota where I lived, who, across the street from where I worked, I could just drop in on him and he'd tell me to pull up a chair and he'd see how he could maybe help me save money with them. He 'died' and left the business to his secretary who, more than metaphorically, ran it into the ground. They are another open aire INSANE ASYLUM too, but as much as I fear I'm 'right' about the current status of America, it's clear that this country is actually 'imploding' on itself...and the reason is the ridiculous levels of 'corruption' in all levels of the government here. They don't work for us, they work for the Israeli lobby and the M.I.C. I mention this because 'that' is the root of this evil. These companies know that there's no cop on the block to rope their illegal behavior in. So, their scumball management who collects exhorbitant bonuses for butt rape of the customers, get away with this merde and they are impervious to harm...right up until they run into a hungry and starving attorney/law firm who would love to nab a few million dollars, because they, not unlike the unethical and criminal mortgage lenders and insurance companies, are in it for the money and only the money. It's like if you've ever seen a video of a wounded shark in a tank with other sharks, ultimately HE or SHE will eat their own entrails in a blood lust frenzy. Am Fam is not too far off from that, sadly.
In the aggregate, I'm pretty steely because I've testified before Senate Subcommittee's as a 'whistle blower' and flushed not one, but '2' major corporations down the toilet for FRAUD, with Janet Reno signing my subpoena's on a 55.7 million dollar 'QUI TAM' lawsuit brought against another scumball company, MICRON computers (who was given to a bottom feeder, along with 89 million dollars, to Gores Technologies just to get the liability off their hands as Unkle Skummy was really now with 'criminal' evidence of their destruction of evidence. Did I get anything out of it? Not monetarily, no. But I did get the satisfaction of seeing them 'go away' just like General Instruments 'went away' because I recommended to G.A.O. to KILL more than 125 million dollars in contracts to the Navy because of FRAUD.
All in all, companies like this would be well advised NOT to do battle with me. I never take hostages.
Given all that I have said, it's both 'tragic' and 'sad' that America is in collapse. It's that way because the lackadaisical and [censored] public is so bereft of two things: 1.) Intestinal Fortitude 2.) a moral compass.
These two reasons are why this nation will fail. Over the seven decades I've been on this earth, as a history buff, I see 'ROME' writ large over the future of what could have been one hell of a country if not for the greed, avarice, and mendacity at work from a tiny caste of scum here who had the audacity to clap like trained seals for a WAR CRIMINAL just days ago, giving the mass murdering genocidal monster no less than 58 standing ovations. Sign of the times? Sure it is. Rome fell exactly like this.
Anyway thank you for your nice words. I do appreciate them. I won't blink with these fools who think I am
likely to be an easy mark for them. I'll likely end up crossing them off the list as '3rd company' shuttered out of nothing more than their senseless and quite banal and wrongful behavior.
best wishes,
These people 'censored' my post. ever hear of Voltaire?
He said: "To learn who rules over you, simply find out who you are not allowed to criticize"
they will censor this too. because they're the same tribe. The Thirteenth Tribe
best,