American Integrity Insurance GroupReviews of aii.com

I had a leak in the pipe of my Pool pump. Because of that all my flooring in house came up and needed completely to replaced. After delaying the situation for 3,5 month they said NO, its not sure that that was the reason, wo won't pay! And on top they canceled my contract! All I can say is Lucky me, so I don't need to do it by myself. Stay away from that cheating company. I wished I would have read all the reviews before I went to them!

It's no secret that insurance companies often get a reputation for being shady, cheap, and sometimes downright corrupt. I have been lucky to find that this is the exception more than the rule. I have had great success with my auto insurance, and my brother works for an extremely reputable company that serves its customers well. In recent days I have come to believe that American Integrity Insurance is responsible for every single negative insurance stereotype in existence. I have been insured by this company since 1999, and never had to file a claim till January 2015 for roof damage we estimated to have occurred in a mid-2013 hurricane. At that time, the adjuster came out and assessed the damage, which he wrote up as "a leak, and a few missing shingles". In their effort to pay out as little as humanly possible, American "Integrity" deemed the cause of the leak structural (on a brand new, early 2000s construction home) and offered to payout a whole $850 for the shingles, which would not have covered the materials, let alone labor, for just one of those issues. Fast-forward to this year. My roof sustained damage from Hurricane Irma: literally ALL our neighbors were having insurance-covered replacements/repairs done, regardless of whether they had recent roof work previously. Despite my previous disappointment with their service, I had the adjuster come out to file another claim. We believed the damage to be so bad that a roof replacement (at least a $7,000 expense) would be necessary. Sure enough, adjuster Taber Bansoyke told us "there was a lot of wind damage, particularly on the left side (side opposite the leak). Don't worry. The insurance should cover it, so all you have to pay is the deductible". I can only assume Taber's optimism was the result of having worked for different insurance companies which were NOT run by a bunch of crooks. We got a reality check in terms of this company's "integrity" a couple days later when we had the pleasure of talking with model employee, and expert of all-things-under-the-sun, Shenetta Burrows. After initially leaving a message that the company had a check ready for us, we called back the next day only to have her tell us they could not cover anything because we had filed a previous (2013) claim. Leaving aside the pathetic amount they paid in 2013, there seemed to be a real lack of understanding that the same roof can be damaged multiple times. Perhaps a google search of the word "hurricane" could've provided clarification, but apparently even this was above Shenetta's skill level. After we forced the issue, Shenetta said she would speak with her superiors, which, near as I can figure, meant she would have a Darth Vader-clone tell her exactly what to say to avoid paying a cent. After two days of no answer, we FINALLY got a hold of Shenetta. AI stuck with their claim denial, stating that the new damage was the result of our negligence for not getting the existing leak fixed. To be clear, we were told that not fixing a leak on the right side of the roof was responsible for all of the fresh wind-induced shingle damage, which according to their adjuster (and anyone with eyes) was mostly on the left side. The only thing I could compare this to would be having my appendix burst, and my doctor then claim this happened because I did not have a cavity filled. I guess maybe they were suggesting that us digging deep into our pockets to fix the leak would have created an alternate future where Hurricane Irma doesn't hit? That was the most logical argument I could come up with. On top of this, Shenetta could not have been more condescending throughout the conversation. She consistently accused us of being poor homeowners (understandable not to recognize the financial limitations of those NOT scamming people out of millions), and used her vast knowledge of engineering to try to support the laughable explanation for the company's decision. The best part, though, is that during the conversation, she revealed that her superiors had settled on the amount of $300 as the payout we would have gotten, had it not been for that previous claim. That's right. $300 for a hurricane-damaged roof that will cost a minimum of $7,000 to replace. I am not sure if they have anyone that can actually do arithmetic at American "Integrity", but that is a pretty big gap. Simply put, this company is awful personally and professionally. We will be switching for sure, as well as exploring possible legal options. My only hope now is that the roughly $40,000 we have contributed to these people over the past ~20 years can be written off as a charitable donation, since clearly there is zero chance that even under the most extreme circumstances (say, a natural disaster-induced state of emergency) they will pay out a claim.

I am currently in process of a claim. I opened up the claim 5/4/2017. It took almost 2 months just to get an adjustor out. I also got a call saying that all is approved and we should be getting our first draw on the claim. I've called many times since. My claim is currently still open with no check received. We are now approaching Sept 2017. Consumers look for another homeowner's insurance company. We definitely will when it comes to our renewal.

No explanation for rate hike at time of renewal. I call this an unacceptable experience hence the 1-star rating. I called them to see if they could offer any explanation as to why the change in the rate and the only comment was "there was no change in your policy, it was due to a rate increase". Okay, I can accept that ... usually. What was the rate hike? 5%? 10%? Try 30%!!! This is my first renewal experience with this company, and it certainly wasn't a good one. If you're going to raise the rates, at least give your operators some talking points to explain a THIRTY PERCENT INCREASE! Completely unacceptable.

I had a water damage claim it occurred on Feb 25th late at night was reported immediately. Had 3 people come in, the plumber, the guys who dry everything up and my adjuster all said it was a shower pan failure. I just received a letter claiming that it was a grout problem by the insurance adjuster which is total BS, there were no loose tiles until after it leaked I pushed my foot against the wall to see if it was soft and I pushed a tile in, this was after it had leaked between the bathroom and living room and destroyed my 3 yr old wood floors, my walls baseboard my shower my bathroom vanity. I have 3 water bills since January the bill that covered Feb 22-March 22 increased by almost 12.00, They are claiming it is our fault some crap about maintenance, how can you maintain inside your walls behind your tiles if you have no idea there is a leak until it destroys your home. This is total BS, I am filing an appeal, switching insurance companies as this policy is supposed to renew on 5/16 and I am hiring attorney and going to court, my home is very well maintained. Unfortunately, one cannot see inside the walls and if I use their explanation why was there no water until the night it flooded everything and why did the bill increase substantially during the month that it happened. Even their engineer said to me when he was here he has no idea what they are looking at, just looking for an excuse to deny my claim. It is just under 2 months, cannot use my shower, half of my LR floor is pulled up there is a huge hole in my wall that was cut out to see what was going on. I am absolutely furious and I will tell every person I know not to use American Integrity Insurance and I will see them in Court. They treat you like you are some sort of criminal (asking me for my phone bills) which totally pisses me off, I worked in the legal field for 36 yrs I am not stupid and, I will not be railroaded. I am absolutely furious right now. We are only asking for them to do what they are supposed to do when someone always pays the premiums on time and have for the 5 yrs they were our insurers.

AI insurance is not out there for the best interest of their clients. Poor communication leaving the customer blind in all aspects.

I have yet to receive a call back in regards to my claim. I've called the adjuster 3 times now in a week and a half and can not get him on the phone or receive a call back. Last time I spoke to the operator she attempted to put me in touch with the manager of the department and they wouldn't even take my call. I've been a customer for 8 years now and can't even recieve information on the status of my claim.