December 09, 2017
Insurance Company: Independence Blue Cross
Coverage Type: Homeowners Insurance
- Claim Handling - Denial of Claim
I have an HO6 policy with SUSSEX INSURANCE COMPANY out of South Carolina. There is a provision for covering up to $2,000 when a
Special Assessment is levied against ALL condo unit owners. My hurricane coverage is with Citizens Insurance Company. I did not sustain any damage to my unit by a storm. One building of our in the complex had damage to a roof by Hurricane Mathew. After months the insurance company covered the cost of the roof that was damaged. Since the same material was no longer available, a Special Assessment was made to pay for the cost of a new roof on another building for $2750, which was the balance remaining each unit after the roof reserves were utilized. I provided Sussex company adjuster with Florida law regarding a Special Assessment. They are denying the claim, calling it hurricane damage. I have spoken with an attorney about this matter and he agrees I have a valid claim. Fortunately my policy came up for renewal 12/16 and I was able to obtain an insurance policy through AAA at a lower cost with a higher rated company. I would NOT recommend Sussex Insurance Company to anyone.
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