Ocean Harbor / Pearl Holding Group’s earns a 1.4-star rating from 0 reviews and 22 complaints, showing that the majority of policyholders are dissatisfied with insurance coverage.
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Insurance / customer service
This company has the worst customer service i have ever experienced. The claims department is horrble and the agents never return phone calls or answer the phones. I had an accident on july 3rd and i didn't get a response from the company in three weeks. I had to hunt my agent down in order to speak to her. The supervisor received several phone calls from me asking him to please call me and i never heard from him. Over this company is quick to take your money but is a nightmare when it comes to making a claim or customer service.
The complaint has been investigated and resolved to the customer’s satisfaction.
insurance fraud
This insurance company denied the payment of benefits.
when driving my car, insuranced under this company, while visiting from dominican republic my in 2007 my wife had an accident hitting two other vehicles, the accident was her fault. the reason for the denial according to them(ocean harbor) was because in one of the documents i signed when first got the policy, a question asked if my wife had a drivers license from the us and i said no because she had a license from dominican republic and as a tourist she could use that one while visiting the country.
they use that semantic barrier of a miss written document to denied payments for the damage caused to the other cars, i got a lawyer and he started working on the case but i was paying him 200 dollars per hour and couldnt use him more i made a payment agreement with geico( insurance company for one of the other drivers) and paid them after they threath me with taking away my license, i was despered and cuouldnt find a pro bono lawyer to help me.
Now almost 3 years after that the other insurance company is calling me asking for 12000 dollars in damages, jejejejej nice now what am i going to do?
The complaint has been investigated and resolved to the customer’s satisfaction.
This is the most unprofessional company I have ever encountered.
I pay my premiums through autopay so they are always paid on time.
On November 21 I filed a claim on my 2016 Mini Cooper Countryman due to running over debris in the highway.
Hit said debris November 20 about 8:00 pm It was a dark night in pouring down rain.
I filed the claim the next morning.
Hear nothing from the adjuster until the following Monday when I was notified via email that and appraiser had been assigned to the claim.
After repeated calls and e-mails to the adjuster, which he did not respond to, I learned from the repair shop that an appraiser had been there, to view my car for damages on December 7th. Twelve days later! At which time it was pointed out to the appraiser that the transmission needed to replaced due to severe damage to the casing.
On December 9th I received an email attached to which was the estimate the appraiser gave for damages. Nowhere in the estimate is the transmission or the casing thereof.
On December 14th I finally got a call from the adjuster, Robert Gonzalez. Saying a check had been mailed December 10th a Sunday, to my residence made out to the bank where my car is financed and myself with my first name misspelled. During this call we discussed the transmission being badly damaged. I was told by the adjuster, Robert Gonzalez, during this conversation the appraiser is not a part of Pearl Holding Group but an outside source.
Robert Gonzalez, the adjusted told me he would contact the appraiser and have it re-appraised. He was to call me back the next day. I have never been able to speak to him again as he will not respond to the plethora of voicemails and emails I have sent.
During this time from November 21 to December 26 I have been in a rental car racking up a huge fee of which my policy will only reimburse for 10 days at $20 per dad.
Meanwhile my car is still sitting at the repair shop. The shop also contacted Pearl Holding Group and my adjuster Robert Gonzalez for clarity on the estimate. After speaking with my adjuster they were informed he would get an appraiser back out to the shop. That never happened!
I will be contacting an attorney the day after Christmas to file charges!
This is the WORST COMPANY. This should not even issued a business permit or license to operate. Please DO NOT ever patronize this company.
I've been with this sceaming company two months and being scammed out of my money. They charged my bank but said I wasn't insured! I'm getting a lawyer this is illegal and they never open or answer the phone EVERYTHING is done by auto pay or us mail.then they charge service fees for payments and it still wasn't received"THEY SAY"
July 4 2015 an ocean harbor insured ran the stop sign hitting my car passenger side police was called to the accident scene Ocean Harbor insured was given a ticket and reported at fault I contacted ocean harbor a month later they sent out thier appraiser 8/03/2015 I got a letter in the mail saying my claim was approved I sent in estimate 9/21/2015 No response I called and called no answer, so almost a year later 10/20/2016 I called one day and Jeff Riley the Litigation Claims Adjuster answered and told me to fax in the estimation for damages again I called to confirm and was told that they did received it, as I was being transferred to another ext. for further assistance on my claim the phone just ring and ring, the last I called was 02/12/2017 still no one is answering it is now 04/19/2017 Almost 2 years waiting on an approved claim and no payout OCEAN HARBOR CASUALTY IS ONE SCAMMED OUT INSURANCE COMPANY!
I have insurance through Ocean Harbor. A truck hit the car behind me multiple times and the car behind me hit me 3 times. The truck who caused the accident left the scene. I was hurt due to this accident I know have 2 herniated disk and 4 bulge disk. The girl who hit me has Geico but Geico will not pay because they say she wasn't at fault that she hit me because the truck hit her. I had to go through my insurance. Well my accident was 2/10/2017 it is now 4/3/2017 and nothing has been done. To make it worse Ocean Harbor had IAA salvage pick up my car. After the appraisal was done a IAA Ocean Harbor had IAA tow my car to the Collision Center well IAA caused alot of other damages to my car. This has been the worse experience I have ever had.
On 22 June 2016, my vehicle was involved in an accident of which I was not a fault.
I have called the Main telephone number for Pearl Holding Group, managing general agent for Ocean Harbor Casualty Insurance Company. I have attempted to contact Ocean Harbor agencies, 7 telephone numbers of the agencies around Florida and never have been able to contact anyone. I believe this company and it agents is a scam from the complaints I have read online about the Ocean Harbor Agencies. It looks like I will lose at about $13, 000 in a totaled vehicle. I will contact Florida DOJ Consumer Affairs and the State DOJ. I have to contact the driver of the other vehicle to find out his experience with the company as I believe his car is totaled..
I ended up with cracked ribs, which I am dealing with at the present.
This company is HORRIBLE. Their insured hit my truck. They towed my truck 2 hours & 20 minutes away (across the state)! You can leave a message but they never call you back. Even their supervisors don’t call you back. I have filed complaints with the Better Business Bureau & the Florida Department of Financial Services and ENCOURAGE EVERYONE ELSE TO DO THE SAME. They placed my Truck at an Insurance Auto Auction across the state, removed my plates from my truck and Ocean Harbor Insurance Company is listed as the Seller. This company should not be in business! I have retained an Attorney and again encourage you to do the same.
I am also having trouble with this insurance company. Their insured customer wrecked her into my house! I have been trying to speak with a CSR since Nov 2010 it is now Feb 2011 no one will take a call and I have left more than 50+ message, They do not call back! Sent me a letter stating they would pay $1500.00 to have my house repaired if I sign a release! The damage is SO much more than that! They are UNFREAKING BELIEVABLE!
I am so upset I do not know were to start I have insurance and had threw this agent for about two years I was involved in a accident around 6/21/09 I was hit from behind rear end crash I drive a f250 truck the car that hit me was totaled my daughter and my self were injured ocean harbor who wrote my police refused to pay stating fraud so now I am hurt and being investigate for fraud the state found no evidence to back up the charge and dropped it witch if true could have had me in jail and still no payment my agent told me they do not get involved wow so be ware I still have problems caused buy the crash the lady I deal with is rude I am working on getting new or real insurance from a well knowing Firm beware ANY ONE ELSE HAVING PROBLEMS PLEASE CONTACT ME AT BSMALLENGINE@GMAIL.COM they need to pay for the pain they caused and the money they steel I can not forget this as one I can do nothing we need to scream loud
Overview of Ocean Harbor / Pearl Holding Group complaint handling
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Ocean Harbor / Pearl Holding Group phone numbers+1 (954) 587-2299+1 (954) 587-2299Click up if you have successfully reached Ocean Harbor / Pearl Holding Group by calling +1 (954) 587-2299 phone number 0 0 users reported that they have successfully reached Ocean Harbor / Pearl Holding Group by calling +1 (954) 587-2299 phone number Click down if you have unsuccessfully reached Ocean Harbor / Pearl Holding Group by calling +1 (954) 587-2299 phone number 0 0 users reported that they have UNsuccessfully reached Ocean Harbor / Pearl Holding Group by calling +1 (954) 587-2299 phone numberGeneral Information+1 (954) 656-6811+1 (954) 656-6811Click up if you have successfully reached Ocean Harbor / Pearl Holding Group by calling +1 (954) 656-6811 phone number 0 0 users reported that they have successfully reached Ocean Harbor / Pearl Holding Group by calling +1 (954) 656-6811 phone number Click down if you have unsuccessfully reached Ocean Harbor / Pearl Holding Group by calling +1 (954) 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Ocean Harbor / Pearl Holding Group emailsunderwriting@pearlholding.com100%Confidence score: 100%Supportclaimmaterials@pearlholding.com93%Confidence score: 93%marketing@pearlholding.com10%Confidence score: 10%marketing
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Ocean Harbor / Pearl Holding Group addressP.O. Box 451119, Fort Lauderdale, Florida, 33345, United States
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Ocean Harbor / Pearl Holding Group social media
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Checked and verified by Nick This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJun 30, 2025 - View all Ocean Harbor / Pearl Holding Group contacts
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I am so disappoint at this company, it has been 4 week and 5 days, sense my acdddent I had to the serval time to come get my car, it took them 20 something day's to come get my car, my was total lost, and th y has not yet gave me my check, for my car or said anything, the s people want th y money but wn it come to pay out thy take the on sweet time, as soon as th y cut my check, I am dropping thr [censored] soon as thy put tht checks in my ✋
Me siento robado por esta compania, llame ciento de veces al [protected], me atendieron dos veces para decirme que me transferian al departamento correcto y NUNCA ATENDIERON EL TELEFONO, Esta compania trabaja para ESTAFAR A LA GENTE, ESO LO QUE SON, ESTAFADORES, PRONTO ENTABLARE UNA DEMANDA SOBRE ESTA PORQUERIA DE SINVERGUENSA, YA VAN A TENER NOTICIAS MIAS, ESTO NO VA A QUEDAR IMPUNE COMO MUCHOS CASOS QUE HE SIDO INFORMADO.JUAN ARTERO.
Most of the claims submitted are FRAUD because you losers are trying to dump your car payment because you are pathetic rats
Right on! vermin and the [censored] of the earth, so sad you all are so dispicable
You [censored] are so ignorant and the customers this company has are the [censored] of the earth. they only have ocean harbor because they have poor driving history, immigrant driver's licenses, multiple tickets, dui's and there is no other company that will insure them, the customers are ghetto sick and white trash, they are always at fault and have to be the lowest form of humanity that exists. I wouldn't even call half of them human. they are a waste of
oxygen and shouldn't be allowed to even drive. most of these [censored] don't even have a driver's license. they need to go back to their own useless
country where they belong. Trump will take care of you and be careful what you say because we know where you live we know where you work, we know everyone that lives in your household we know your vehicles and we know what you look like (unfortunately). Most of you illiterates cannot even
formulate a sentence. Get a GED and get a job and be careful who you @#@# with.
It's a nightmare, don't waste ur money or time, their [censor] theives with a nice name.
Regret not reviewing them first, got me in a circus act to repair my car, it's frustrating to pay $250 every month just to find out it's a scam. ITS A SCAM
I've had the worst experience with this insurance, I don't know where to begin. My mother had ocean harbor insurance for 10 years. The one time she had to do a claim it was like pulling teeth. They don't care, they DO NOT ANSWER OR RETURN CALLS. MISS PEGGY POWELL was my adjuster (HORRIBLE UNPROFESSIONAL WOMAN) . They damaged my car in their possession but tried to make me pay a deductible of 500. I had to have the detective send pics and my lawyer involved stating my car was in great condition. I was out of a car for a month and a half because of their carelessness... Peggy Powell hung up on me twice. Anyone who have them and need something done EMAIL so you have papertrail... because they don't notate your case... she is even rude on emails... this will be the last time I ever deal with them... I don't understand how they are still in business .. I wish the owner of the company see all of these complaints and clean house and start new management...
Dnt feel left out everyone there own policy holders dnt get crap either they try to find aby reason not to cover u wheather u have comp & collision dnt matter they find any bull excuse to deny a claim! Someone needs to close them down there scam artists/frauds no doubt about it!
Company are frauds
I just got involved today with scenario on being a victim of crime. The insurance sounds a nightmare. Any suggestions?!? File with my insurance, get an attorney involved even though damage is only to rear of my car, but more than $2000 in my opinion. Any advise is greatly appreciated.