Optimum West Insurance Company Home Insurance Reviews

I am a builder and have dealt with numerous insurance companies for the last 20 years on numerous claims and repairs for their clients and they were amazing to deal with and settled instantly with me to fix their clients damaged property telling me "We want you to do whatever it takes to make our clients happy."

Optimum West Insurance Company was exactly the opposite. I have never dealt with a more unprofessional and insensitive and inexperienced insurance company as Optimum West Insurance. They have absolutely no concern or care for their clients. I have had to fight to get a proper engineer report and proper quotes and write and call them daily for the past 2.5 months to push to get a fair settlement to my property which was severely damaged.

My fence was broken down by neighbouring construction, and the granite floor shows crack lines. I submitted a claim to Optimum. It has not intention to cover anything and indeed offer zero dollar coverage despite the fact that Optimum acknowledged that fact that the fence and the granite floor were damaged by this neighbour's construction. Its reply states that it will not cover any damages whatsoever ..... caused by external and natural causes, except damage to the building glasses. Now I am very worried for if my houses get burnt and damaged, it will just consider cover the building glasses, which again is very much subject to their definition of "building glasses" and the the mercy of of the company Optimum. I rated it the pooerest home insurance and unethical. Do not buy from them.