Promutuel Home Insurance Reviews

If you are looking for a company that will give you a duct tape result solution in fixing your home, you have come to the right place. Considering that a car hit our backyard and destroyed our fence and storage house, the insurance decided to pay for a portion of the fence. They do not take into consideration inflation on your items so if it costs $5000 10 years ago, they will get you the same thing with a value of $5000 today when it should be a lot more expensive with the material cost going up. Since we were not at fault, the insurance company shouldn't be the one paying for the damages but they are still giving us the cheap option while the contracted inspector gave a way higher estimation on the material cost. Our neighbours insurer gave them an option of taking the money to go find a contractor for the construction work, whereas this company requires you to find a contractor with a license or they will only give you 65% of the claimed money. Better off finding a better insurer

I had a flood in my house and the cause was an old joint solder because the house is built in 1968. The insurance company told me that it's due to freeze, even before checking it. Then they sent their inspector, and when he saw the pipe, he told me no its not due to freeze, its due to bad old joint solder, between them saying it was a freeze and then sending the inspector, 3 weeks had already passed. Then they said ok, you are covered, then, after 2 weeks, they resent me a SURPRISE letter saying that they will send an engineer to recheck the pipes. And, of course, the engineer came and while we were talking he said they sent me to try to find something cause the bill is too big for them and of course his judgment was favor to the insurance. So now its been about 9 months back and forth, I brought my own engineer and he said, no, it is not freeze. So now I am waiting for their response after that if they are still on their idea, I’m going to court. Worst insurance ever.