Berkshire Hathaway GUARD Insurance

We had our catalytic converter stolen from our company van. The van is a year old and has 9,000 miles on it. Guard worked the mechanic and approved the claim but did so with what they called a “betterment”! Basically they deprecated the parts by 10% so in addition to our deductible of $1,000 we had to pay an extra $356.10. On top of that, I was never, (not even once) able to talk to a human about the claim and I called at least six time.

So the “betterment” was never explained. I feel like Guard gave me the middle finger! So? Them! I will be changing companies when the next renewal comes!

If I could give zero stars I would. They sub contracted to Ralph and Associates. WORST EXPERIENCE i have ever had with an insurance company and I'm a property manager so I have experience in this field. Never return phone calls or emails. I'm 6 months out and still have yet to get an update on supplemental. STAY AWAY from this insurance company.

The worst insurance company do not ever use them. My claim was filed in February when there was a national disaster declared for tx. 10 months later they have barely done anything. I rarely talk to an adjustor when I call, they frequently "lose" emailed documents, no one knows what is going on with my claim and I usually have to wait AT LEAST 30 mins before anyone will speak to me. Adjustors never call back and they make frequent mistakes with mailing, billing etc. There is not 1 dedicated adjustor I can call and when I do talk to someone it is from customer service and they have me on hold endlessly to speak to an adjustor who doesn't know what is going on, promises to check in and call back, but never does. Filing a complaint with TDI.

Really wish negative stars were an option! This is the worst company to deal with, with the worst customer service! They refuse to help after the claim being in for 7 months and being forced out of my home for 3 of those months! Ignored me, my restoration company and public adjuster. They refused to name an adjuster for the demand for appraisal and now I have to pay additional costs to file a lawsuit against this company for repairs, personal loss, and living expenses! Do not ever use this company, they don’t care about those they are supposed to be serving!

Hands down, the WORST customer service I have ever experienced in my life. 9 days after filing a claim, I have still not heard how to proceed with the damage from a wind storm. When calling looking for my adjuster after leaving her 11 voicemails in 9 days, the customer service rep I spoke to was rude and hung up on me. Haha what a joke. My agent is already looking to switch insurance companies for me as this was ridiculous.

I had a wind and hail claim and called the claims department. They transferred me to a claims subcontractor who kept giving me runaround. They kept telling me the hail damage was not widespread enough to justify payment over what my deductible was. But the roofer told me it was and provided pictures as proof. I dropped them and reshopped for a more reputable insurer.

THE WORST Claims Department EVER!
They will not return phone calls or emails. I tried reaching my claim adjuster for a week! Finally, I started calling other extensions hoping someone could help me. They said I would have an answer by the end of the week. Still no updates! Good luck filing an insurance claim with this company; it will take 6 months to get anything done on your claim. Never use this company!

Please avoid this company at all costs. They offer low-ball estimates, do not respond within legally-mandated timeframes, continuously delay the claims process, provide false information about their policies, pass customers between many adjusters, and generally do not fulfill their obligations to make a good faith effort to arrive at a fair and timely settlement. DO NOT USE THIS COMPANY!

Extortionist. STAY AWAY. Watch out for their end of year audit when they try to scam you out of thousands. Seriously, does this work with anyone?