Leon's complaint:
November 08, 2013

Insurance Company: Tri-State Consumer Insurance Company
Coverage Type: Homeowners Insurance

• PolicyHolder Service - Inadequate Service
• PolicyHolder Service - Inadequate Reimbursement

Tristate Consumer Insurance is a company you want to stay far away from, despite their competitive rates. The real test of an insurance company is not the rate it charges but how well it responds to and pays your claims.

This company is fraudulent when it comes to settling claims and should be put out of business. I have experienced both sides with Tristate with vehicle insurance and with home insurance. Like many other who have reported, they did drop my auto insurance without cause as my premiums from excellent driving record was not profitable enough for them.

My home’s roof was damaged by Hurricane Sandy. They literally refused to pay, and instead gave me, after arbitration, the grand sum of $4000 to “patch” my roof, according to what their estimator and process recommended. I ended up paying $12000 to replace the roof. My next door neighbor’s roof was fully replaced within two weeks by State Farm insurance without a hassle.

When you see that company’s president Penny Hart herself taking the time to attend mediation cases against the company all week, you know that there is something wrong with that picture. She is in court literally a few times a week fighting off claim requests from customers who have been denied payment to. There are many claims like this against Tristate and the purpose is to challenge the customers to take them to court, hoping that they will not. That is why she spends all her time personally in the courthouse. The courthouse officers and mediation people can confirm that she is a “regular” there, and talk about an attitude!

Do your research about this company’s blatant refusal to pay claims. They were sued by many homeowners when they refused to pay the claims needed to rebuild their houses damaged by Hurricane Sandy. In my opinion, this company is a disgrace to the insurance business and will not be on your side when you need them. Report them to the Better Business Bureau if you have been defrauded by them. Run if you are contemplating them as your next insurance provider.

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