SGI Home Insurance Reviews

First, an adjustor comes to check the damage of the garage fire and says "well you are covered for $43,000.00, BUT we both know you WON'T get that." I took that easily enough as I DID NOT expect it. So I contacted a couple of places and got estimates, One of 33,000 and a second at 27,000. Ok.....adjuster says "No, these are still too high" Got another, for just the garage, and it was a package, costing just over $7000 to which he jumped at saying he would stroke the cheque out for. NOW it got interesting...Because the garage pad developed cracks and would be about $5000 to replace, but the adjustor said "The concrete expert said a garage pad would not sustain damage in a fire."... Even though I sent pictures of the pad and the cracks....and I had stated there was 1 crack in the pad when he was out! It got hot enough that a door inside, (an entry door) with the metal covering, was BENT over from the heat. The damage to the garage was so severe that the fire inspector could not even tell where it started in the garage. SO, now even more irritated, I move on, tired of the royal screwing by them, that I say to pay me out, 15,000 and we'll be done....he returned with a nope, if you want a payout, that would have to be worked out, as the depreciated value! I am totally lost with this entire system. Also, very sure that because I live in North Central, paying higher premiums, they treat me as the second rate only to get my premiums, and dance around the claim and coverage! I will make up a second review, once this gets settled....or if I go to a lawyer with this!