Economical Insurance Home Insurance Reviews

When my basement flooded recently, due to constant torrential rains falling for days on end, and finally coming through the basement wall, Economical Insurance refused the claim I had made. Their reason given for refusing the flood damage claim was explained away as this : Somewhere in the fine print there was a clause excluding the validity of anything other than flooding due to a burst plumbing pipe or coming through a floor drain.They , at no point, had made any diligent effort to let me know that I wasn't covered for this all too common experience among property owners. Or even more simply, just raised the amount I paid per year to cover this possible occurrence.. No, it seems obvious that their tried and true method is to skin the client for lofty premiums without ever paying out a nickel to the client in his hour of need. Therefore, Economical Insurance is not only a band of thieves, but they lack basic human empathy . The worst insurance company in the world is spelled - Economical .

Currently going through claim with Economical.Suddenly I hear that water damage maynot be covered and eventually...one week later after initiating several inquiries...two visits from restoration specialist,no visit from adjuster,I am yold this is not covered because of window maintenance,Somehow,I am to believe that closed,locked windows have leaked and need replacement.Home is well maintained.I am treated as a claim number and,while this is not over,,I have learned that this process is not customer friendly or service oriented ...except when pying the premium.Dissatisfied and frustrated.!!!!

Took higher rates then quoted, increased rates and when the ice collapsed my pool they refused to cover it even though I had a extra pool coverage. They told me there expert said it was not covered but an expert never came to look at it only a someone to take pictures. They use every excuse not to cover a claim. I have cancelled my insurance and would suggest no one use this dishonest company.

Well - I went for the cheapest home insurance with the coverage that I wanted ... and now I am paying for it.
We had a break-in back in early March 2014. The theives pried the back window off - did not break the glass - entered and stole over $10,000 in items.

First - don't ever have a breakin outside the insurance company's business ours - or on a weekend ... Adjusters don't work weekends. Ask the theives to come back when it's convient for the insurance company. The breakin happend on a Friday evening ...
Had to call Economical Emergency Claim line to get a window board up ... of course having to sign a documents for the Restoration company saying that I will pay for everything if they don't get paid.
Got told by Economical rep on the Emergency line - that an adjuster and restoration estimator would be out likely within 24 hours.

When Economical finally contacted me almost 3 days later - found out that they hired a restoration company to come and restore the window damage. They in turn - sub-contracted the window repair out to another firm.
Great progress ... Window estimator comes in a week later - yup 1 week later ... estimates the window. Insurance company quickly approves window some $600 - and a week later the Window company arrives to install the window . But it's the wrong window type, the estimator quoted a straight double pane of glass panel - not one that actually opens. Installers measure everything up an new - take photos and the window the theives pried off - back to their office to get a new estimate together - new estimate submitted to insurance company for approval almost $2000 ... that was start of April. ( Yes bad April 1st )

When June roles around and I don't see a window in sight - I contact the Insurance company to ask what's going on ... told that they have paid out the restoration company .. ( hugh? - intersting getting paid before the work is actually done.. .... )
June rolls around - and they finally come to install the window.
The installers take no care to ensure a clean work area - damage the hosue stucco and trim getting the window in - don't seal the trim /window edge with calk . And with all that - they have no screen for the window ... nor a handle to crank the window open .. nor the right hardware on the window to match the rest in the house. And the wood trim is incomplete - and not finsihed.

Of course you wonder why I am blaming the Insurance company - and not the window company and restoration company .... problem is - when I email or called the insurance firm to ask that they call the restoration company to get things going and corrected .. I hear - dead silence .. nothing - not a word from the insurance company.

Economical's insurance adjuster that was handling my claim .. suddenly leaves the company June 6th ... and no one from Economical contacts me to see about the pending items still remaining on the claim - let alone the window restoration.

I eventually get contacted by a new adjuster - whom states that the claim is closed ... ( hugh ? that's news to me ... ) .. but they called the restoration company and they should be in contact. Oh - and the restoration company tries to forward me documents for me to sign saying the work is done.

Mid June - still no screen - no hardware - no trim - no stain or sealer - and still have items outstanding on the claim ...

And get this ... The police service - whom had only 3 easily traceable stolen items to look out for ... make an arrest . The suspsect gets scheduled for court ...

I now fully expect that the suspect will get their day in court - hopefully be found guilty - and sentenced ... and I will still have a half finished restoration and items still remaining to be settled on the claim.

I have since asked my insurance broker to find me alternative insurance ... but have been told - that insurance companies won't touch me until I have 0 outstanding claims ... ( which is kind of funny since according to Economical - my claim is closed ... )
I am also preparing Better Business Bureau complaints against the Insurance company, the restoration company, and the window company.

So - be warned people - you get what you pay for.

My mother is insured with Economical for over 50years with only
2 claims during this time. every year i call for explanation about the
huge increases. (almost doubled in the last 5 years)---all excuses
about large claims etc. Last year with the floods and huge storms
she put a claim for roof and water damage. they sent an adjuster
from Alabama (to toronto) and his findings was that the roof
had some wear and tear therefore no coverage. the roof was
about 10 years old. I insisted on having the claim dropped as
I had requested clarification on this before he was sent and they
had already decided that she was not going to be covered.
It was dropped but i was told that all the repairs had to be done at her
expense and proof had to be sent that it was completed before
she could be re-insured. SERIOUSLY - we are now obliged to keep
our homes is perfect updates and repairs so we can buy insurance
so that there is "NO RISK" to them!!! And what is the
purpose of insurance again??? If my house is all perfect
and updated what is the purpose of these insurance companies?
Government reviews are needed now for home
insurance companies. Contact your politicians.

Had to fight to get my contractor to be the one to make the repairs to my home. The insurer wanted to use an inexperienced, inexpensive repair company that would not have restored my kitchen to its original condition with the same materials (e.g., maple cabinets, which the insurer's repair company wanted to replace with plywood cabinets). After much wrangling, the insurer finally agreed to my contractor making the repairs, but put on many terms and conditions (which my contractor met, to his credit). Then, after all was done, my renewal came in at an exorbitant rate for the next year, so I did not renew with them. Having only had ONE claim in all my years with them, I did not appreciate suddenly being charged nearly triple for my home insurance if I was to renew with them. That was the last straw.