Next Insurance
reviews and complaints

In early October we hired adams tree service to remove a tree for us. After working three days he dropped a log through our roof and we discovered it after he didn't bother telling us and hid it. I contacted next insurance to file a claim and it's been over three weeks and I'm getting the run around and now they are trying to say there is something in the policy that pertains to the size of the tree. I hired this company because he was insured and he caused damage so therefor insurance should cover the damage. And go after him for their money back. Will be seeking to sue both of them on small claims court if this isn't paid

A pipe leaked in my business and damage happened to my business and the business next to me. They denied any compensation for my business, and I accepted it. Regarding my neighbor business damages, I filled a general liability claim but the adjustor told me we cannot cover your neighbor under the general liability claim and advised me to file a commercial property claim to cover my neighbor damages. I filled the commercial property claim and the adjustor told me to file a general liability claim!I tried to talk to a supervisor twice but it is impossible and after a very long waiting time I was told that a supervisor will call me back, but this never happened.

The agency has fraudulently accessed my debit card and continues to charge me for service I never signed up for. I noticed four months ago that *** was being taken from my account. I contacted my bank for one of the charges . They investigated and returned one payment of *** I would need to dispute every month for the full return or, have my card cancelled. I have substaintal accounts on the card and did not want the inconvience. However, Next Insurance continues to access my card. I never signed up with the agency, I didn't know who they were until I investigated and I never gave anyone in the agency permission to withdraw funds from my account. I have contacted them with my concerns.

This Insurance refuses to pay the entire corrective cost to repair/fix the poor workmanship by their insurer. The policy given does not reflect the excuse given by Next representatives. We tried reaching out as a last attempt to the CEO, Mr. on June 1 via email and to date no response. We have reached out to three different staffers with them acting in a forcing manner to accepting a different amount than the invoice sent to them prior to corrective work being scheduled. We are wanting the full $*** and not the offered excuse of $*** difference of our paid deposit as they claim is the limit which is not reflective on policy as the policy reflects higher than what we are asking to be paid to us.

I was originally sold a policy for 29 dollars a month. This premium increased periodically over a period of two years, just a few dollars at a time until it was up to 40 dollars a month. Then last month without any valid explanation they doubled my premiums and took twice what I'd authorized them to take out of the account. When I checked they had now raised my rates again this time more than double the advertised price and the price we originally agreed to. When I asked for an explanation they gave me a song and dance about better service etc. When I complained, they offered to cancel my policy. I have never filed a claim, and nothing has changed except I work less now than I did when I signed up with them yet they are doubling my costs for no apparent valid reason. I am simply asking for them to honor their prices and return me to my previous rate as there is no justification for this sudden increase and the entire practice seems like "bait and switch".

Claim #XXXXXXXXXXXXGD01 They provided liability insurance for a General Contractor that I hired in 2019 to fully remodel a bathroom with a tile shower, replace other flooring, and outdoor steps. The contractor advertised himself as being fully insured, and provided me with a Certificate of Insurance with Next Insurance. No exclusions were listed. I purchased all materials. Outdoor steps were never started. Flooring was improperly laid. Bathroom had multiple, serious problems. Personal property was damaged. An adjuster for Next Ins came out in 2/20. He required I provide estimates for all repairs & damages. Since it was extensive, this took several months. The damages totaled $***. They offered me a settlement of only $***. They will not cover the cost of any of the materials that were damaged, even though this is also consequential damage to my property. They will not cover unfinished work, and they capped improper work. They will not negotiate these problems.

Good Day Next Insurance Team, This is with regard to work a contractor performed in my home, specifically work related to installation of a master bathroom shower/pan which was finished with marble tile. The shower failed and has resulted in water damage to my home. The contractor had a Next insurance policy. However, I am fairly confused by Next Insurance's response to date as Next Insurance has indicated that the policy will only pay for water damage and does not cover the cost of repairs to the shower. Frankly, this application of the policy leaves me with more questions then answers. My goal is for Next insurance to cover the cost of repairs to the shower and the water damage. I am not looking to haggle over damages and will settle this claim for whatever amount an independent adjuster determines is fair for the cost of repairs to the shower and water damage. I have previously been given contractor bids in the range of 10k to 15k for this repair work. Cheers

To summarize the incident,***, the owner of this business was mowing the lawn at the house across the street from mine, at the following address on April 7: *** XXXXX At approximately 10:00 AM,***'s lawnmower kicked something up (we believe a rock from under the neighbor's bushes) at it hit the side of my house, near the bottom of the front door frame. I witnessed this happen with my own two eyes and, had I been standing a foot to my right at the time, the object would have hit me instead of the house. I immediately flagged Mr. down and showed him what happened. At the time, he seemed to be willing to take responsibility and filed an insurance claim to have the damage repaired. His insurance provider has recently denied this claim, with no clear explanation as to how they can justify the damage that I personally witnessed him cause to my home and Mr. is now refusing to take responsibility for this damage.

We contracted insured, *** general contractor, on 2/4 to renovate our kitchen starting 3/8. He was paid *** on 2/4 and *** on 2/25/202) upfront for purchase of materials which he confirmed he had purchased from Superior Marble in *** on 2/5 to later find out from the company that this never occurred. He demolished our kitchen, leaving it completely non-functional and when confronted about major issues in his approach and on-site safety on 3/10 he abandoned the work site and only returned to pick up his tools on 3/11. His insurance company, NEXT insurance will not cover anything because his policy only covers work completed? Absurd denial without explanation. I have seen many similar reviews here where Next insurance covers unlicensed contractors. *** could not complete the project because legally he could not initiate a permit for plumbing required as this can only be done by a licensed professional.

Next Insurance's insured, ***, contracted with me for a complete kitchen remodel. The remodel included custom wood cabinetry. When a cabinet door snapped in two in my hand, it was discovered that the cabinetry was stock, not custom, and that several of the cabinet fronts are not level. Another issue with the insured is that a hole was left in the hvac system that was installed. My Next Insurance claim number is *** Next insurance has estimated the cost to repair the cabinet door and a nominal amount to level the cabinet doors (when it has not been determined that the cabinet fronts can be re-aligned since they are stock cabinets). Next will not address the subpar product that their insured provided. Since the home is being renovated for retirement use, and no one is currently in full-time residence, I am also concerned about the questionable quality once I do move in and use the kitchen on a daily basis. The condominium requires certificates of liability insurance, which cites a *** products limit. Your guidance is greatly appreciated.

I had commercial insurance with Next Insurance my car was down so I rented a car for business while driving the rental I had a car hit me and run. This lead to Next Insurance informing me that I wasn't covered by the insurance that I've had with them for a few years. This wasn't the first claim I had with the next insurance I had a previous claim for my vehicle that I rented and I have emails to prove that they were paying for my previous rental. They were paying for the flat tire but when I have a more serious occurrence they want to say they don't pay for rentals. This should have been told to me prior to the first occurrence but no email from the claims adjuster stated this from the tire on that rental car. The accident was the denial and that's not right I was informed once when I went out of town in my rental that my vehicle was covered by my insurance this is why I never purchased the car rentals insurance this has caused me to have a business relationship to no longer be present with sixth car rental where I had my business account. I've reached out to several people in regards to this matter I haven't but will seek legal advice because the end result is my license is suspended and I have a career that requires me to have a license.

We hired a tree-feller to remove a couple of trees in our yard of approximately 80 feet in height. He told us he was insured with this company. The job went terribly wrong and the top of the tree landed on top of our house, severely damaging our roof and some of the inside of our home. When we made the claim against the insured to Next Insurance, we were denied on the fact that there was an exemption in the policy that he was not to cut something higher than 30 feet. This is the issue. We live in a forested area where most of the trees are at least 70+ feet tall. The insured was not aware of this exemption. It is our feeling that the insurance company was negligent in selling him a policy which was did not apply to his line of work. In the intake interview, they should have learned more about the nature of his work to provide him with proper coverage. They should have made him aware of this exemption, which basically rendered his coverage useless in this area. They collected premiums from the insured, but had no intention of paying out on this claim, claiming it was not covered. Why would they sell him a 2 million dollar policy which is basically useless in this line of work? So far we have incurred over $*** in costs and have not finished paying for all repairs yet. This has been a severe financial hardship for my husband and me. We hold the Next Insurance Company responsible for denying this claim.

I am very disappointed with Next insurance. We both have a mutual party involved with the claim by the name of *** in which it has been processed going on 3 months. Next insurance was provided with documentations such two contracts signed by the contractor, text messages, anything that showed that *** did not do the job correctly. Once the adjuster reached out to me back in December, I was told that they were waiting for the Insured to contact them back in order for them to try to follow suit with the claim. The adjuster also stated that the insured party had 30 days to respond and if they did not, they will follow through with my claim. Due to the lack of the insured (***) not responding back, The adjuster called me stating that they would have to close the claim. I need answers! because when I did my claim, I was originally told that they would go head and investigate the claim regardless if the insured did not return their calls within 30 days. Once I got the last call from the adjuster stated he would have to close it out because they could not get ahold of the insured. I am out of *** due to their insured. The fact that I have proof on what happen, Next insurance should still follow through with my claim and stop going back on their word. Needless to say, when my claim was made I was giving one adjuster who was helping me and providing answer then all of a sudden I was given another adjuster. Something is not adding up and I need answers. Claim # *** Insured: *** Claim Number: *** Claimant(s): *** Date of Loss: October 15

On Feb. 5th 2022 we hired *** with*** to do some work on our land. We have two lots in***. Our main lot that our mobile home is going on is the middle lot (lot number2). On the left side is out extra lot that we were going to sell (lot number 1), and on the right side is our neighbors. We hired *** to clear part of the trees on the first lot on the property line so that we did not have any trees fall on our house, and he was supposed to clear all of the first lot. Then we wanted him to draw out a plot for our house to go on in the first lot, along with the septic and driveway and burn the brush. In total everything was going to cost *** and we paid him *** up front. Monday Feb. 14th 2022 our state septic inspector came to look at some ground, and that is when the damage was seen. *** had dug a 12 ft wall in the ground like for a basement house, and back field dirt on our property about 4ft high. He also had cut that wall across the property into that first lot that was supposed to be sold when we moved in. *** came back in the middle of the night and got his equipment and would not return any of our phone calls to come back to the property. He left trees that were not cleared and roots in the ground, and left the burn pile. He also messed the dirt up where we now have to combine both of those lots in order for our house to pass *** We now have lost the lot we were going to sale. Insurance is telling us that they will not cover, because on the contract it says to clear trees on the second lot, but he was only supposed to clear on the property line so the trees would not fall on the house. It states in the contract on what address he should be working on. The extra lot has a different address than the lot the house was going to be going on. Insurance covered our neighbors but will not cover our loss on the 1st lot we were going to sell

My original claims adjuster was unresponsive and gave inaccurate information. After several weeks of trying to get *** to return my calls or emails, I had to threaten to file a complaint. She finally called. At that time I was told that the roof is not covered even if it was from the storm, I later learned that my roof was covered if it was due to storms. I provided an inspection report, to show my roof did not have any issues. I was told she would look into it and she never got back to me about the roof or the other estimates for the supplemental damage. I sent two estimates for the roof. I did not hear from *** in over a month. Then I was assigned to *** 2-5-22. I outlined in detail what happened with *** and I was told she would handle it. After a month I was assigned to *** (3rd claims adjuster) *** advised that my roof was a separate claim. I filed the NEW claim with ***. During this process, I was told that *** was assigned both of my claims., offered a settlement of $***, which would include the two estimates given, and I would not sue for loss of income, so we could close this case. I got a letter confirming the settlement amount. *** then advised I had to fill out a waiver, I then asked *** was the settlement for the additional damage that I submitted and I was told yes. I got the waiver, it also stated a settlement of $***. Once I signed the contract, *** issued the payment but the payment was only for appro. $***. When I asked, he stated he deducted my previous payments. I advised I would never agree to that which would include my lost wages. He then asked me to send the lost wages. I filled a complaint with management as I was tricked and lied to sign that contract. I was told that I would not be able to even get my lost wages because they closed my case. The manager overseeing the complaint is *** the first claims adjuster and the complaint included her, which is a conflict.

Next Insurance will not renew my insurance due to 3 claims on my file from 2020. In August I contacted next insurance to see if I had coverage on my policy for 3 project. I did not know if I had coverage so I simply called. They acted like I could have coverage so they started the claims process leading me to think I had coverage. After about a 5 min call the adjuster assigned to the 3 claims said I had no coverage. The problem is they choose to lead their customer on and end up filing claims that hurt the business. These claims were closed and no time or money was invested in the claims on Next Insurance as a company. I spent more time speaking to them on the phone trying to get my policy renewed for the next year. They have chosen to not renew my company due to an internal policy of 3 claims. Keep in mind these guys are a tech company and not a single person in this company can override the program that has been designed. I guess if you have hundreds of millions of dollars you can buy your way into the insurance biz in every state. After multiple phone calls and complaints they continued to pass *** buck to person to person and even the adjuster's manager did not even want to speak with me. I asked to speak to customer service supervisors and they were conveniently not available, I asked to speak with department heads and managers and they don't even speak with customers that pay their salaries. So after many phone calls they want to shut the door on their customers and deny insurance coverage. I asked for names, ID's and last names so I could properly file a complaint with my state commissioner and the service managers has a name but would not give me last name or customer id. I was not invited to the "team leadership camping" trip so I have no idea of policies and procedures only the people that work for this company does and they should advise properly before a claim is set up. In the end I am left empty handed having to insure my company in 30 days and sometimes that's not an easy task especially when a company like Next files useless claims agains my company. This company and its service is worthless and the people that work for them may have their insurance license but no nothing about interaction with human beings in the end. They let the computer do all the work and hide behind a screen all day and choose not to interact with the customer.