Belairdirect Home Insurance Reviews

I called for a claim in Feb 2016 because I had a few spots in the ceiling of my basement and an adjuster came to see in early March 2016. She told me that it was hard to see where the water was coming from and that there was no damage to my house. She did say that the water was probably due to the ice on the roof and that she was going to send a contractor to verify this. I received a call from a contractor in the end of August 2017 to verify the damages so I refused because it was tool late and I never put in a claim.
Now I get my insurance renewal and am hit with a $5000 deduction because it says in my file that I refused to repair a leaky roof.
I am presently shopping around for a new insurance company.

I had been with Belair for over 20 years. My daughter bought her first house, and it is a fixer upper. Explained in detail to Belair about the fixing up and schedule, and they insured the home. Two months after moving in, my daughter received a call stating she was being cancelled in 48 hours. Someone had driven by and seen a wood burning stove chimney and a bad roof. The stove had been removed the day she moved in as the insurance representative had been told, and the roofer was scheduled to start the following week. If the winter had been shorter, the roof would have been done. Belair refused to accept any of this, and my daughter ended up having to find a new insurance company within a day. Because of the roof, she had to get high risk insurance, which was LESS EXPENSIVE than Belair. I have since cancelled my Belair insurance, and would never recommend them to anyone. Hard to believe that high risk insurance is less expensive than a Belair rate for a family that had been a customer for so many decades. Do NOT choose Belair. They will not be there when you need them.