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My Insurance Agent Is An Idiot?

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My Insurance Agent Is An Idiot?

Postby Giulio » Thu Oct 05, 2017 12:28 pm

I live in North Florida and last Friday I received a call from my home insurance agent saying the inurance agency sent him a "third and FINAL" notice that the branches hanging over my roof needed to be trimmed back.
I never received a heads up about the first two notices and now have to shell out around $500 to get the job done by tomorrow before the deadline, July 11th, when I have to leave town for one week.

The agent says he'll do the job for $150 since he owns his own trimming equipment. I called the insurance agency to make sure it wasn't a scam and its not.
They really did send notices, the jerk just never told me.

What recourse do I have in this situation? Can I get my money back on the policy if it is his fault it gets canceled? Is there a consumer agency that can help me? What will most likely happen?

Posts: 53
Joined: Fri Mar 28, 2014 2:12 am

My Insurance Agent Is An Idiot?

Postby Kamden » Thu Oct 05, 2017 5:07 pm

What recourse do you have - not much, living in FL you're lucky to have any insurance company that's not Citizens. Shopping around is not much of an option.

Can you get your money back? Yes, you'll be refunded any unearned premium, minus and fees your insurer can charge (and has been approved by state DOI) .

Is there a consumer agency that can help you? You can complain to the agents bosses or home office, the state DOI, and the BBB.

What will likely happen? Nothing, these people are not going to get your policy reinstated prior to July 11th cancel.

Your best bet in the short term is to comply with their underwriting request. Get the work done prior to the date and get pictures taken prior to the 11th and get the pictures to the agent.
After the policy is reinstated, look at transferring your auto/home business to a different agent within the same company.
In the future if other options come available in FL, transfer to a different company.
In the meantime grin and bear it. Good luck.
Posts: 55
Joined: Wed Jan 15, 2014 2:46 pm

My Insurance Agent Is An Idiot?

Postby Wakefield » Thu Oct 05, 2017 5:45 pm

Well, I would check the ethical implications of this problem.
While your agent might be lawfully asking you to cut those branches, the minute he offered to do it himself he is acting against the ethics portion of the insurance code. If you think his behavior is incorrect, report him to the insurance commisioner in your state (you can get his license # from any of his cards or the actual insurance policy).
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Joined: Tue Feb 11, 2014 9:42 am

My Insurance Agent Is An Idiot?

Postby Nikko » Sat Oct 07, 2017 9:40 am

yeah just ask for every thing back and cancel it...mam
Posts: 43
Joined: Sat Jan 18, 2014 12:22 am

My Insurance Agent Is An Idiot?

Postby Laoghaire » Mon Oct 09, 2017 11:19 am

Tell him he is going to do the work for nothing today or you'll report him to the insurance commission and file a civil suit to compensate you for the lapse in coverage and anything else your high paid lawyer can think of (lawyers fees are recoverable so splurge!).
Posts: 51
Joined: Tue Mar 04, 2014 2:48 pm

My Insurance Agent Is An Idiot?

Postby Emesto » Tue Oct 10, 2017 6:12 pm

Your agent is an idiot if he didn't send you the company's recommendations the first and second time.
However, your policy is a contract with the company providing your coverage and you have to comply.
Find a new agent!
Posts: 45
Joined: Sat Jan 18, 2014 8:16 pm

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