Stillwater Insurance Group

I have to agree with the reviews here, Stillwater is disappointing. My first encounter with them involved them sending a contractor to inspect the house. I was called down from my office because my wife noticed someone on the property and took a picture of her napping through the living room window. Confused, I peeked outside the office window and saw an unmarked black van blocking, not pulled into, but pulled across my driveway entrance. I went outside and found footprints in the snow going around the side of the house and confronted the man. He was dressed in all black with no company insignia. I asked him who he was and how I could assist him before I considered calling the police. He explained that he was an inspector and so on. I informed him that he should knock, as we have dogs and observe castle doctrine. Taking pictures through my windows without prior notice could lead to a dangerous confrontation. However, if he had knocked, I would have offered him a drink and answered any questions about the house.

I called Stillwater to address this issue, and their response was, "You seem disturbed, sir. Are you threatening us?" I had to clarify multiple times that I was not threatening them but merely stating that their contractor's behavior was suspicious. He claimed he knocked, but footprints in the snow showed he did not approach the front door. They failed to address the issue of taking pictures inside my house while my wife was sleeping. They also refused to give me any advance warning but promised to knock in the future. However, they did not.

A year later, we received a very vague letter stating that our yard was overgrown and there was a branch over one of my buildings. I asked for specifics since this was from September, and they hadn't asked me to tidy anything up, even though it was now nearly the end of November. They offered no excuses besides, "It's just how our system works." I requested specific details on what was overgrown so I could address the issue, as well as parameters for the maintenance. All they provided were pictures of my planters, my in-construction garden beds, my cut lawns, and a few images that made it look like branches were overhanging the roof. In actuality, the trees have a clearance of three feet and do not touch the roofs of any of my buildings when examined up close.

When I asked for pictures of the specific areas that needed attention, they sent an email with all the pictures and no clarification. Worse, it was a no-response email, so when I tried to seek clarification, I couldn't. That was the final straw; they simply don't care.

However, it doesn't matter anymore. I'm fed up with how unreasonable this company is. They don't care to work with their customers; they just want your money. I'm grateful that we never had to file a claim, as it's clear that this company would not be supportive if we did. Their behavior is absolutely reprehensible. I've switched to Progressive. I hope to NEVER hear from this company again, good riddance.

If I could give it a one-quarter star rating, I would. This company is terrible. We had hail damage on our roof and instead of sending a person to look at it, they sent a drone. Then, they wanted to come back and not pay anything. Dropping them! Run from this company!

These guys increased my homeowners insurance by 40%. I shopped around and canceled after one day on the policy. It turns out they charged me $80 for a renewal anyway. What a ripoff! They're snakes in my book.

Stillwater Insurance put us in an impossible position. A claim was opened against our policy that was completely unjustified, and instead of investigating fairly, Stillwater chose to non-renew our policy. We were unable to secure new insurance due to the open claim and are now being forced to sell our home. Years later, the claim remains unresolved, despite us not being responsible for it. Proceed with extreme caution before choosing Stillwater.

My family was referred to Stillwater by an insurance broker, and we have been insured by them for both our three vehicles and home for seven years. Yesterday, my car was vandalized, and the culprits broke the driver's side window and damaged the windshield. I called their claims department and filed a report right away; however, after countless phone calls with many different representatives and three adjusters, there is still no clear instruction on where and how to get my car's window and windshield replaced. One adjuster claimed to have emailed instructions to the auto glass place, but nothing came of it.

The final phone call at 2 p.m. on a Friday ended with the representative saying they had all left and I would have to call back on Monday. I have to work, and my car is exposed to theft and the elements, and rain could further damage the interior.

What kind of insurance company does this? We've been paying them for seven straight years, but loyalty doesn't seem to count with these insurers.

Don't waste your hard-earned money with this company; they won't help when you are in need.

This is the worst renters insurance company I have ever come across. I had to call many times to check on the status of my claim, and after two months, I found out they invent all sorts of reasons not to cover my loss, which I specifically paid more for to include - electronics. Horrible customer service and shady policies.

One of the worst insurance companies to deal with. Had a claim due to a flood in the kitchen. They gave us a few thousand dollars, which would not pay for the flooring. More than a month later, we found damage to the cabinets. They claimed someone would come to inspect, but nobody ever showed up. They don't return calls, nothing. Today, 1 year later, they gave us a 30-day notice of cancellation because our roof was not good. It's 10 years old! Horrible people and company, stay clear!

Our house had a leak at the end of January and now it is the end of March and we have not received any payment for remediation or to get our walls and floors fixed. We can barely get a call or email back from the adjuster and have spent over $25,000 in remediation and received a quote for the repair of our house, and all they are offering us is $12,000, which is not even enough to repair just the drywall from the water damage. They won't let us speak to a supervisor, and the adjuster is consistently telling us he'll reach out and then necessitates us calling him multiple times a day to get an answer. It's been two months, and we still have open walls in our house with two young children, which is not safe. This is a ridiculous company.

This company is the most horrible insurance company in the world. They are criminals, and I wouldn't recommend this company even to the devil himself. They will rob you blind and never pay out. I have contacted the BBB on them and will be filing a legal suit against this company. I have never dealt with a more corrupt company in almost 40 years of life. Even my mortgage company is getting there legal team involved.

I have a landlord policy and have been trying for three days now to increase my Loss Assessment coverage. The first phone call said I had to put my request in writing. Emailed them and got a quote that my policy would increase by 74 cents. I had requested the change in my email so what's the problem? I asked if they needed the 74 cents before they'd make the change or what?? Day three .. they don't need a payment to make the change but when I pay the down payment for the renewal .. WHAT ?? Called again and no one can help me except underwriting and they only review emails once per day and close at 5 in an earlier time zone than me. So I get to play three ring circus for how long until they make this change?! Headed into day 4 now.. unbelievable!!!

These people are borderline criminal. My claim for storm damage from Helene is still unresolved due to repeated incompetence followed by literal criminality. First, they "accidentally" misclassified my claim, causing a lost month. Then, I had to get a new adjuster, who sent out a field agent who took next to no photos (their choice, not mine), so the adjuster said, "Well, I can't pay for anything since no pictures were taken" (obviously a lame scheme). Then, it took three months just to get my loss paperwork emailed to me to fill out and have notarized (the entire time they said my claim couldn't be processed due to no paperwork, which they weren't sending me, pretty convenient). Then, when I filed a bad faith claim with the Department of Insurance, the supervisor Charles Grant told me the reason I wasn't getting a callback was that I had filed a complaint, and they don't respond to requests for contact when a customer does that. (He really said this.) Then, when I shared this response with my local news, he has since attempted to annoy/punish me by having some lady from their "Special Investigations Unit" call me and say I have to schedule an "in-person interrogation because they have some concerns about my claim." I laughed audibly every time she said "Special Investigations Unit." These people are crooks, top to bottom.

I hate them. Just find another company. They say they opened the claim, but they won't, and when you call, they will say you hung up the phone.

They don't pay their claims. Our shop has been waiting four months for $7,800 from them, and all we get is the run-around. Don't do business with them if you want to get paid.

If we could leave a zero review, we would. We filed a claim for our Homeowners, and the adjuster told us about four weeks ago that he would send the estimate. Three weeks later, after eight different attempts to get an update, we still have yet to receive a response. It's unacceptable not to receive any response. So now we just wait as winter approaches and with a damaged roof!