American Strategic Insurance

ASI not only won't cover the damages for the second sewer back up in my basement last month, because I supposedly don't have coverage, but now they're saying they shouldn't have paid for the damages in January either. How many insurance companies do you know of who pay out thousands of dollars on a claim without checking first to make sure the customer has coverage?

I don't know any. I had a member of my mitigation team check with ASI on day 1 when I filed the new claim. He told me I had $10,000 worth of sewer back up coverage. Otherwise the guys wouldn't have started working in my basement.

They have already done quite a bit of work only to find out ASI had changed their minds and weren't going to pay. All of the work then stopped, about a month ago. Now I'm being forced to pay out of pocket for all the damages which I can't afford to do. I'm being forced to do this before the mitigation team can take this case to arbitration.

There are no guarantees they will win their case. I'm also being forced to get the damages repaired before I can switch to another insurance company. All ASI had to do is tell me that I didn't have coverage after the first incident in January and that I could add coverage for an extra $152 a year. Instead, I get to pay at least $10,000 out of pocket.

Needless to say, I won't be renewing with ASI. They have already sent me a bill for the new premium which is about $100 more than last year. What a joke! They also tried to get me to pay the premium over the phone when I called them.

I said no thanks! I will never do business with this company again! Nor would I recommend them to anyone else either! I originally started out as a Progressive customer, but when Progressive took over ASI, they sold a lot of their customers down the river to ASI.

There are also other problems with Progressive/ASI. They are located out of state from me and it's hard to get an appointment with a claims adjuster to come out to the house. The one I talked to on the phone screamed and yelled at me, harrassed me, tried to bully me into agreeing with what she was saying so she could deny my claim. Extremely unpleasant to deal with!

There is no place on the ASI site to do a review on them. I thought I was doing a review on their site, but it turned out to be the better business bureau site under ASI's name. They have so many complaints and bad reviews on them, that I guess ASI doesn't want to hear any more of them. They also never responded to any of the bad reviews.

With my complaint to the bbb, all ASI did is acknowledge receiving a copy of my complaint. No resolution whatsoever!

Pipe bust under my house pier and beam water got between my floors through out my house adjuster came out and stated he was afraid of snakes and spider so he would not get under the house to look at the Damages instead too moisture readings from the floor which had a moister barrier underneath so water mitigation was not recommended by the adjuster the the insurance contractor comes out spend 10 minutes under the house tells me it’s a small spot told me he tore the plastic to check seems strange due to the amount of water I also saw water dripping from all corners of the house I had to crawl under neath take pictures myself and send it to the insurance when I told the asi claim adjuster Pamela baker she became angry and accused me of trying to get more work out of the contractor that was not covered I had to continue claim with her supervisor marquises Warren I had my own contractor come out they refused his estimate so a third party contractor was contacted he agreed with my contractors estimate he also told me and them their was much more hidden damages so finally they agreed to pay the claim so I called the 2 contractors who gave me the estimate they refused to do the job said they were to busy so I called sever others the estimate were twice as much I called them asked if they could provide a contractor willing to do the work they told me I had to get my own contractors another contractor refused to start the work saying their would be Many delays trying to add the additional work so in the mean time my house is rotting I had to hire a public adjuster this company is really dishonest and I believe they were working with the contractor to under pay my claim I don’t have a lot of money but I’m willing to go to court for what’s right bad faith on their part they also cancelled my insurance after my claim due to non payment of a premium they say went up but never notified my when I contacted my insurance agent he told me he put his email where mine should go he was contacted but I wasn’t I offer to pay when I made my claim they refused and canceled my insurance I also told Pamela baker about my concern the water had gone through the whole house underplayed my claim purposely