Homeowners of America Insurance Company

Dropping them immediately - had them for almost 6 years and A business EXPLODED in my neighborhood causing damage to my house and THEY DENIED MY CLAIM. Why bother having insurance if they are not there for you when you need them? My lawyer warned me they had a reputation for being the absolute worst. DO NOT USE THIS COMPANY.

Could not have worse customer service. Refused to provide a phone number or name of a supervisor. Adjuster's number was 30% of two other independent appraisals. Will be filing a lawsuit against these...well I won't use those words. But you get the picture. Huge mistake buying a policy from them.

Starting at a two but likely will need to update that to fewer stars... It has not started out good. New client with my homeowners just switching over to HC and I have entered in to a claim situation that really should not have been a claim situation if HC would have communicated with me. Why in the would would I take an offer where my deductible is 1/3 of the offer!?!? We all know that HC is going to cancel me if I have claim history with them and at the very least will raise my rates for a $3K claim... no thanks not how it works. I am very big on customer service and it absolutely has not started out good. Understanding I am stationed overseas and it is hard to communicate but HC made no effort to keep me posted, just assigned an adjuster, sent come crazy letter about the lender needing to be on the check (snail mail very slow) when a simple call would have been all I needed. Then sent me a one line email, no salutation, hello, go jump in a lake or nothing. Just "confirm mailing address and we will mail your check", I had no claim information or report on finding, nothing. My independent agent has been great, working to stay connected and getting results but for the life of me I can't figure out why HC would not reach out to me to make an offer or discuss the situation with me before just send me a check. The saga is only beginning, so I will have to see how it turns out and update this review. Got it! claims are never fun and adjuster never seem very friendly to work with but this is ridiculous, was in the business way to long to accept this type of treatment. more to follow...

Terrible customer care. Had their policy for one year and upon renewing I requested to lower my deductible via email (as they said was required). I sent the email to the necessary address but the policy was not updated. They refused to update the policy for the next year. Canceled and they charged me $78 for cancelling the policy..

Worst insurance company on the planet, where's the negative stars rating? This Wilcox guy has had us held up in a hotel for Two months and we STILL haven't started the work because he won't call adjusters and contractors back. I'll be speaking to the insurance commission of TX about this garbage company. Absolute trash.

We had to renew our homeowners policy 28 days before we selling out house. The minimum payment was by the quarter, which they charged a premium for. The total was $468 and we were told that it would be pro-rated and we would only pay for what we used. Our refund, far short of the 28 days because they conveniently forgot to tell me about the HUGE cancelation fee. Stay away from this ethically challenged company!