Optimum West Insurance Company Home Insurance Reviews

Absolute worst company to deal with. Had a flood in the main floor bathroom approx 2 years ago. They came and "fixed" the damage but did NOT remove the flooring at all. The flood went down into my basement and was quite substantial. How can you possibly not think to even check the subflooring for water damage??? Well, guess what, 2 years later I discovered black mold. Not just a little bit of black mold, the entire subflooring. Now they refuse to come back and do anything about the issue because there is a 2-year window apparently. Meanwhile, my son and I are just in here breathing black mold. I'm doing the repairs myself now because I can't afford anyone else to do it. I'm sure the lawsuit will be pretty substantial when we end up getting sick from the mold though. Don't choose this insurance company unless you want to deal with a headache after headache and them trying to save a buck through every possible technicality they can come up with.

After waiting 6 months to get my floors replaced due to a small water leak under our fridge, we were responded to by our Claims Adjuster like we were doing something illegal! He spoke to me like I was trying to get away with something, my stress levels were through the roof. We had to be out of house but had nowhere in this small city to go to due to summer over-booking at hotels etc. So we stayed in our trailer for 6 weeks while the work was being done. He never returned my calls or emails and I had to contact our broker to get ahold of him for me. When he did call back, he was condescending and rude. He was pushy and drove me to settle when I didn't agree with the amount they owed us for out-of-home living expenses, just so I could put closure to the situation. And after a month I still have not received the reimbursement cheque and he doesn't seem capable of letting me know when it will be coming! WOW!