Arlene's complaint:
July 24, 2012

Insurance Company: Assurant
Coverage Type: Homeowners Insurance

• PolicyHolder Service - Incompetent Employees
• Claim Handling - Delays upon Delays
• Claim Handling - Unsatisfactory Settlement/Offer

On April 9th, 2012 I had a house fire and upon reporting my loss I received a letter from the insurance company and I call their Rep Padro Del Canal and asked him about the coverage because I could match all lines except the bottom line which stated HOG-Ordinance or Law - P and I was told you do not need to worry about that. I later found out it is to cover for upgrades to bring the house up to hurrican standards. I hired a public adjuster who informed me what that coverage was for. When the first offer came in the adjusted Chad Pendry, did not have anything on the repair cost about upgrading the house for hurrican protection and the contractor working with my public adjuster Kennedy Esteban was trying to get him to include all then necessares to get the house repaired correctly. Then the county condemed the house, so now it has to be torn down. They are now stating that they only have to pay without including the upgrades. Also I was told to fined a place to live where a month to mont lease could be signed I did that, and each month the rent check has been late and as to date this month I have not recived a rent check at all. It has been very hard for me to deal with everything and the insuracne company is making everything harder. We have requested a copy of the policy on numbers occasions and as to date have not received a full copy. I am at my wits end on this. The adjuster keeps telling me not ro rock the boat, not to make them mad. I do not understand his logic on this. I do not know if I can get help, but if you can advise me as to what I need to do I would appriciate it. Thank you Arlene Mitchell

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