Erie Insurance

I hired a tree company who is Erie insured, they damaged my roof, but erie insurance would decline claim . Worst worst company ever.

Worst insurance company ever they will keep sending vague emails send a settlement and then tell you that you have to pay for medical out of the pain and suffering settlement, nice way to stick it to you worst experience ever

We've had Erie home insurance for 10 years and thought they were great until now. They worked with us after a tree cutting company dropped a tree on our house, and they've been working with us when we just had a pipe burst on Christmas day. We're still in the middle of restoration on the claim and we just got a letter that they are dropping us because of excessive claims. No warning, no price increase, and we're not even through with the restoration process. We had one other previous claim for our roof years ago, and they told us not to worry about this latest tree cutting incident claim because they were going after the company's insurance that was refusing to pay, and we even got our deposit back. We thought we were protected after 10 years of being a loyal customer, but I guess if you actually need to use Erie's insurance, they're going to drop you.

Erie and I did not disagree about the facts of my homeowners claim (a bathroom shower was slowly leaking into the sub-floor over an unknown period of time, possibly before I bought the house 2 years earlier). It was my first claim ever, and Erie denied it because the damage was undiscovered for so long and because my contractor took so long to start the job in 2022. Since the tiling, plumbing, etc. of the entire custom shower stall and bathroom tile floor and sub-floor had to be redone, it cost me more than $12,000. Erie blamed a clause in the North Carolina contract that says they don't insure long-term damage, using that during a time when NO ONE could get anything fixed quickly. They used it despite the fact that I told my local agent about it a year earlier. Adding insult to great injury, the adjuster and his boss were rude and dismissive. Believe me, if Erie could deny that claim, they can deny any claim. This was exactly the kind of unexpected disaster that we all get insurance for. It's exactly what I was paying them for. It's what insurance is for. You'll notice that Erie has high ratings, except in claims satisfaction. Believe it.

Erie insurance is the WORST agency I’ve ever worked with. When I submitted my claim for roof repair, the agent I worked with claimed that I ripped off the shingles with my bare hands. They then sent a second contractor to make an insurance estimate and NEVER SENT ME THE REPORT, OR FOLLOW UP. They do NOT keep up their end of the bargain. The only time you hear from them is when they charge your account once a month. A FRAUD COMPANY

Was hit by one of Erie’s drivers, gave up well over a year ago of trying to fix my truck after being rear ended at 60mph because of the attitude and lack of communication from their agents in trying to fix my truck without paying out of pocket as I was in no way at fault for the accident! No resources given for my rental until recently I tried again, got a different agent assigned to my old case yet wanted to cover me for a class 1 bare minimum rental car when I drive a truck, agent gave me massive attitude when rental company told me I am fully at right to be compensated for a vehicle similar to my truck, bare minimum an SUV, yet Erie only wants to provide me with something not even close to my truck when their driver was the one who hit me and ruined my vehicle? Sad..

Someone with Erie insurance rear-ended me and 9 days after filing a claim I still have no rental car and no offer on how much they will give me to total my truck. When you call them you will just get sent to different voicemails. I had actually thought about switching to this company but if this is how they treat people it will always be a hard "no" for me.

All-
I’m writing this review as a good faith testimony for you all to consider when not only pricing an important part of your everyday expenses although none of these are probably no more important than who you inevitably decide to choose to represent you & your family for insurance needs and/or wants. Here’s my story to help you decide:
As a small business owner and homeowner with needed insurance necessities, I was afforded a quote brought to my attention from my longstanding local insurance agency that had recently acquired the ability to ascertain quotes and insurance policies for Erie Insurance headquartered in Erie Pa. I was happy with the quote pricing that rectified my family and I’s decision to switch from our previous insured provider to Erie Insurance.
As aforementioned, we all should know and realize how important it is to have not only insurance, but to have insurance with the right carrier and with the proper coverages for our own needs regardless of what our local state requires as a minimum. Equally important here is this where I failed. Check the reviews of the said insurance carriers as I should’ve before deciding on Erie Insurance and it’s abundantly clear that they’re not a good insurance carrier.
My situation for your own review.
On a warm, dry fall day a 25-year old uninsured motorist driving a 2006 Chevrolet Van with pre-existing damage unrelated to this incident described borrowed from his grandmother in which was later investigated by our local police agency, was never supposed to leave his hometown which is nearly (40) miles one way from my location due to not only the damage of the van but because of its’ reported leaking of fluids from the front end of the van in particular, ethylene glycol and oil. This individual not only drove the van out of town, he maliciously pulled up into a large newly finished concrete driveway leaking fluids everywhere as described by the police report, home video surveillance and photos taken at my home. Of course, this individual stated to police it wasn’t him until he later changed his statement that it was due to my home cameras that caught him in the act.
Moving forward, the police report states per video given as evidence depicts in deputies’ statement that this male subject got out of this van while parked on my private driveway to see and assess the damage while looking at the leaking fluids present only to hurry getting back into this van removing himself from our property and damage left without ever notifying the homeowner which is myself. The police deputy turn all of this evidence into a criminal charge that was being charged as malicious mischief. While so troubling, it brings peace of mind knowing I have insurance for property damage that is covered under a charge of malicious Mischeif.
In early November 22’, I file a claim with my homeowners policy attached to Erie Insurance upon reading my policy declaration which states under “Additional Payments,”
“We” will pay for ANY property damage to a building(driveway is considered part of the building so long as it’s attached to the home)that is a result of Eries’ section stating “Vandalism or Malicious Mischief.” This policy statement is listed under Eries’ HomeSecure Policy and sold to many although (3) pages before this there’s a policy exclusion 5.c that’s stated that Erie doesn’t pay for spills, leaks or pollution with no mention of where it comes from nor any mention of again, malicious Mischief that’s stated as previously described under “ANY PROPERTY DAMAGE RELATED TO MALICIOUS MISCHEIF.”
I’m pointing this out to you all for the conceivable fact of twisting their policy statements to state what you know is covered only to they’ll try and use any exclusion to deny payment equals Erie Insurance. Any spill or leakage wasn’t done by any resident of our home however by a uninsured motorists with pre-existing damage and willful conducts’ definition is of “Either Intentional, Unintentional or Wantonly causes property damage, injury and/or harm showing no care of the ending result,” such as when this said individual exited his van, seen the damage and quickly left the scene without acknowledging the homeowner or resident.
After speaking with Eries’ local branch upon receiving a denial of coverage letter, I contact my agent with whom speaks to another Erie agent in another region with whom stated to my agent this claim should’ve been paid. As well, I speak to the Regional VP of Erie that states I’ve got every reason to be upset acknowledging the policy deductions stated here as he forwarded to tell me that he wouldn’t blame me for leaving like inviting me to do so only to further state this could be a covered payment after referring me to the States’ Department of Insurance and awaiting their recommendation. Also said, Erie has only been in Kentucky since 2015 and they’d like to have good standings with the Department of Insurances. Too, he said a false statement in that Erie normally goes out of their way to find coverage for any loss but could not give me an answer per policy addendum related to “Additional Payments in that Erie will pay for ANY property damage related to Malicious Mischeif.” To date, I’ve never received an answer related to what my question stated under the policy therefore means other than to be told that’s a good question and we’d have to get back with you lol!
In summary, the individual has been charged malicious Mischeif. I pay for this coverage under my homeowners. It’s a covered loss under my policy I’ve properly paid for and maintained. They’ve took my money without incident although will not pay for this loss. I’ve too contacted Eries’ “Office Of The President,” which is a big waste of time with Erie in general as the President, VP of Claims nor the Customer Advocacy department will either answer nor call you back. My best advice in reviews to fellow insurance shoppers’ is to stay far away from Erie and read the necessary reviews before deciding. Erie has acted in bad faith towards the policies I’ve paid for in turn causing a complaint written to Division of Consumer Protection.
Thank you for taking your valuable time reading my lesson learned about this company and I wish you the best in deciding your own insurance needs and wants!