Home Insurance Reviews
SGI Home Insurance Reviews
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(25 reviews)
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Bikes, Belongings (1)
Billing/payments (1)
Brokers, Insurance Agents (2)
Claim - adjuster (1)
Claim - break-in/burglary (1)
Claim - contractor work (2)
Claim - fire (1)
Claim - flood/water (5)
Claim - flooded basement (1)
Claim - roof (2)
Claim payout amount (1)
Claim processing time (3)
Insurance Rates, Prices (1)
Phone wait times (1)
Policy coverage (7)
Policy Switching, Cancellation (1)
Rates after claim (1)
Rates at renewal (1)
Rates for long-term clients (1)
Sewer Backup (1)
Snow, Hail, Damage (2)
Review author
Today I went to SGI to inquire about the next step in the process. What I learned is that if the sewer back up occurs as a result of an issue on the street the onus is on the city to repair. If the problem is in our yard, insurance will cover the cost. If the problem is located under our house then you are on the hook for the repairs.
In addition, should I choose to make this claim I lose my no claim benefit of five hundred dollars for three years? In the end, add the thousand dollar deductible plus the loss of no claim for three years and my total bill to make a claim is twenty-five hundred dollars.
SGI is a huge rip-off as I pay them a huge amount of over three thousand dollars a year for insurance and they don't want to cover anything... Save your money and go elsewhere