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Foremost Insurance Reviews and Customer Comments

These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments.

"It took 70 days for my vehicle to be completed. 27 of these were actual work days by the body shop. The other 43 we waited for the appraiser to come 3 times. This is due to the appraisal being 2700 off at the beginning. When checks were mailed to the body shop they were sent to the wrong address twice.The cost of repairs was 10500. The car is worth 14k. Everyone we spoke with tow truck drivers body shop mechanics friends in the business all said it should have been totaled. "
Commented on 2014-08-28 17:31:01 EST
"I filed claim for hail damage and after 2 roofers agreed hail damage was evident Foremost claimed it was not hail damage but was damage to shingles to become brittle from poor ventilation in the attic."
Commented on 2014-08-15 19:10:05 EST
"Had Farmer's but when Farmer's bought out Foremost they turned our policy over yo Foremost Premiums have doubledcoverage is less and they don't want to cover any claims. Filed my first claim with them and the claims adjuster is useless and does know what he is doing with a claim. Never had such a useless high costing company. We are looking for a new one. Oh and after I filed my claim I got phone calls from out of state companies wanting to send reps to my place to give us a free estimate. "
Commented on 2014-07-26 20:43:43 EST
"The policy is written in a way that no matter what happens to my home unless it is a sudden weather related or total loss due to fire I am not covered. This policy was obviously written by a con artist and the CEO and all officers belong in jail for fraud."
Commented on 2014-07-10 13:15:16 EST
"They are thieves. I get letters in the mail everyday telling you your policy will be cancelled. Meanwhile your on automatic payment plan. Everyday I stayed on the phone complaining about money being taken out my account. STAY AWAY..... And to think I was referred to them by a friend."
Commented on 2014-06-24 08:12:28 EST
"Do not get a policy from them"
Commented on 2014-05-21 19:27:35 EST
"We moved and put our small old house 864 sq ft. on the market while empty. My Am. Fam. insurance agent found that Foremost would insure our empty house while it was for sale for 86 per month. She did some checking and thought it would be the best option. I received the first bill for 196.79 to begin the insurace. I had my insurance agent call and was told that this was for 2 months coverage up front plus start up fees. OK...so I paid it. Coverage began Aug. 2 and we got surprise quick offer and sold on Aug. 23. I called to cancel on Aug. 23. I then got another bill in the mail. I called my agent again who called Foremost and was told I needed to sign a cacellation form. I went in to sign it and she sent it in. I then received a cancellation notice that said my policy cancelled Sept. 1 and that I owed an additional 59.21. After MANY calls by my furious agent and finally a 3 way call in late Dec. with my agent myself and Foremost we were able to get the 59.21 removed but NO Refund. Apparently they have some small print burried in thier website that even my professional insurance agent Am Fam. couldn't locate. My agent was SO aploigetic to me and hates Foremost now as do I. She said she will NEVER use them again. DO NOT USE FORMOST KEEP SHOPPING"
Commented on 2014-01-24 11:00:36 EST
"Have had Foremost for a rental property since 2009 and have made zero claims. I received my renewal bill for 2014 and noticed it was 136 more than 2013. I noticed I had lost a 146 discount for Superior Financial Responsibility due to a number of reasons based on their report from Equifax. I ordered a copy of my report to verify and saw my score was still over 800 out of 850 which rates out as very high. Actually higher than it was in 2012. On of the reasons stated was short credit history report shows 19 Yrs 6 mos. Another was too many Installment accounts report shows 1 also was too many recent credit checks report shows 1 in 2013 in August. I then called Foremost to explain this and was blatantly lied to and told that the discount was still there but they dont show it anymore. In no way do I believe they would tout this discount and not list it. I was then told that the reason for the increase was rate hikes for Illinois. a 21% increase just do to the state? No way. You LIE FOREMOST I am done with you. "
Commented on 2013-12-26 17:30:48 EST
"Foremost is evil. "
Commented on 2013-12-07 18:46:00 EST
"I had my Park Model RV insured with Foremost for the past 12 years. This past summer there was a 100 year storm in southern NM and because of the hurricane force winds and heavy rain my RV was heavily flooded. I was at my summer home when that happened so I did not discover the damages which included extreme mold until I arrived at my winter home where all us snowbirds go. I called Foremost and filed a claim. They got an adjuster out in about 4 days he showed up on 10/3/13. He said that the claim would be denied because it was a maintenance issue on the roof which was replaced 4 years ago. I was told by the adjuster that I would receive a letter from him regarding the denial in about 2 weeks. My home and about 75% of the contents were a complete loss. I did not receive that letter and I have been calling and asking for a letter for the past 6 weeks. They won't even talk to me any more. My granddaughter finally called Foremost and they told her that the claim had been closed on 10/2/13 - however the adjuster did not show up until 10/3/13. I have reviewed the 3 whole pages of my policy and can not find any exceptions to anything. I finally called an attorney today. I was told I definitely have a bad faith case against Foremost."
Commented on 2013-12-02 22:26:05 EST
"Foremost sent a letter showing me that they are not renewing my homeowner's policy due to 2 claims. One claim was concerning a tree that fell on my metal awning attached to my back porch. The tree fell during a storm. It did not damage the house at all only the metal awning. The other claim involved water damage to my floor from a bursted pipe. Each claim was approx. 3000. I expected that my premium would go up but I did not expect them to drop me. I called and asked if they would reconsider. I told them that the claim involving the tree was due to weather which no one can control not a hurricane or anything just a storm. I let them know that I will agree to a higher premium. They said that still will not renew my policy. I feel that this company was premature in dropping my coverage. Also in doing so they have made it very difficult to find another policy."
Commented on 2013-10-28 12:29:23 EST
"Had damage occur while I was gone on vacation water damage on inside to walls ceiling. Now mold proposes health risk to me. My claim with Winterburn and associates Foremost Insurance was denied for really not a good reason. This was the only insurance available at the time due to stationary travel trailer. Now I am homeless"
Commented on 2013-10-13 23:49:58 EST
"Bought a 04 truck about a month ago... I was going through Foremost for insurance. My truck got stolen a week after I got it while in St. Louis. The cops found my truck less then 38 hours later. Its been a month and I still do not have my truck because my claim adjuster is hard to reach...She said they will not pay for the damage to my stolen truck and is making it sound like its my fault. Do not purchase insurance through them because it'll do absolutely no good..."
Commented on 2013-07-18 15:50:38 EST
"Raised my motorcycle premium due to "credit score". The only problem is I have perfect credit rating. I also have a perfect score on my insurance credit rating. I called and asked for data on how they came to this conclusion. They informed me "it's proprietary". I promptly cancelled and acquired insurance for my motorcycle through Rider insurance at half the price for twice the coverage. Beware of the bait and switch."
Commented on 2013-07-10 10:53:13 EST
"Was a victim of hail from passing tornado. Had to pay over 500 for estimates on RV. Husband works in construction and we live out of fifth wheel. Could not get an adjuster out here to save my life just got passed around. Had to pay out of pocket to get repairs done. Still not sure if it is safe to drive down road or if more damage is being done as days go by. Avoid this company at all cost they don't give a damn about their customers."
Commented on 2013-06-11 12:05:12 EST
"I've had Foremost Insurance on just one of my rental properties for a year and have not received one bill. Not one only cancellation notices for non payment. I have tried to contact them numerous times and even signed up for online billing with no results. I will be switching this home to the same company that insures my 28 other insurance needs. Too bad you missed out Foremost."
Commented on 2013-05-31 08:03:46 EST
"They will tell you one thing and then do nothing when someone needs help due to a loss. As long as they get there money from you thats all they care about."
Commented on 2013-04-04 17:17:03 EST
"NEVER NEVER go with foremostThey still charged me after I cancelled my policy"
Commented on 2013-03-26 01:08:20 EST
"I filed a claim for Wind/hail damage to the roof and it look them 6 months to fix it and "
Commented on 2013-02-25 13:48:09 EST
" Insured passenger for 250000. accident may 2nd 2012 they slipped drop down clause in policy without telling me. Still paying for 250000 but with "new" clause only worth 30000 which they have not even offered yet Its been 10 months no offer. Whats up with that????"
Commented on 2013-02-24 21:14:01 EST
"After filing a claim. They did not renew our policy and did not pay the claim. "
Commented on 2013-01-19 00:51:22 EST
"denied claim after hurricane sandy"
Commented on 2013-01-10 09:09:00 EST
"Did not pay enough to cover damages and refused to honor their coverage"
Commented on 2012-11-05 18:58:44 EST
"After one year policy with no late payments or notice Foremost insurance company dropped me due to unfavorable credit score. My credit score was 17 points higher than when I first came to them for a policy"
Commented on 2012-07-31 16:01:17 EST
"I have had motorcycle insurance with this company for approximately seven years. This year my policy premium went from 600 to1322 without any explanation. I have had no tickets or claims. Rep said it was because I dont have any bills therefore they rated me as a high risk. This is nuts. WOW. I cancelled and went with another company for 680."
Commented on 2012-06-14 16:40:06 EST
"The policy information states claim denial in a "play on words" format. As a consumer you read and underestand one way they explain the policy information in such a way that it is to their benefit. Thus in the end they dont have to pay. I feel the company should be shut-down. How does the insurance commission allow these people to print such "double face lies" that cheat innocent people out of their money but the company renders Extremely poor service. I should have to get a lawyer to make people do what is right. "
Commented on 2012-06-05 10:09:46 EST
"Policy is difficult to understand and is misleading about coverages. the agent representing do very poor job of explaining."
Commented on 2012-05-19 14:10:46 EST
"I have been a long time customer of this company. Just received my premium renewal and it more than doubled.CANCELED......."
Commented on 2012-05-17 15:58:26 EST
"I have been a faithful customer of Foremost and this year because I had a slight lowering of my credit score decided to charge me DOUBLE for my yearly motorcycle insurance. This is a horrible way to treat customers. I belong to many motorcycle organizations and I am going to put the word out to stay as far away from Foremost as possible. How Rude"
Commented on 2012-03-15 14:43:16 EST
"Gave me a payment date to which we was paying ahead of the date. Then they inform us that there was a payment due not even on our payment sheet to which they wanted a late fee on top of it. Shortly thereafter we moved 3 miles down the road and they added another 82 to our policy. Complete rip offs.Also double check the numbers on the policy. Bet they do not add up."
Commented on 2012-03-05 12:46:27 EST
"I filed 2 claims for water damage on Dec 8and the adjuster came out Dec 13th.The adjuster finally answered his phone on Dec 30th and told me I had to have a plumber determine whether the damage was from plumbing or weather.After talking to a supervisor on Dec 30th and describing the damage to him I was told forget the plumber.It is now Jan 16th and I have not heard a word from anyone since I called them on Dec 30th.I have seen in person the plumbing leaking since the claim was filed and even an idiot could tell the damage is not from weather."
Commented on 2012-01-16 07:14:31 EST
"Filed two claims for damaged roofs on rental units wind/hail got the runaround from the adjustor from day one denying interior damage without even looking at it. Was then reimbursed for wrong policy coverage had replacement cost reimbursed initially for NON replacement costwhich they knew I had but just wanted to mess with me. After a month to get this straightened out they reduced their original estimate and I had to pay the claims out of pocket first...what...yes you read that right. paid out of pocket first then they re-imbursed me minus my deductible and then reduced the second appraisal a second time because they said my contractors quote higher than ins. adjustor didnt explain for the higher original ins. adjustors quote...REDICULOUS. Do NOT use this company I will NEVER use them EVER again FOREMOST SUUUCKS it has been 5 months on a claim that should have been settled in one week"
Commented on 2012-01-08 16:42:50 EST
"Policy was cancelled without warning. Notice in mail stating I was without insurance for over a month Unacceptable."
Commented on 2011-11-23 16:14:07 EST
"After filiig claim settlement was half of repair cost will NEVER return calls always you can ONLY TALK to a answering machine it has been 4 months still do not know what they are going to do . PLEASE DO NOT BUY FROM THIS COMPANY..."
Commented on 2011-11-23 04:44:10 EST
"Customer service sucks and the website even more."
Commented on 2011-11-22 17:31:38 EST
"had a tree come down hit my roof. they had someone out here in a few days. he estimated the damages while he was here. sat in his truck for a half hour then gave me a check for the damages less my deductible before he left. no haggle no fuss. A FOR THEIR HOME OWNERS INSURANCE. "
Commented on 2011-11-16 00:46:20 EST
"i just had a waterline in the wall of the laundry room develop a leak and do damage to the laundry room wall and floor and bathroom floor. I was told that since my home was 19 years old this was a result of normal wear and tear and is not covered. I think it is ridiculous that apparently i should have been tearing out walls in my home checking plumbing out for normal wear and tear. I pay 84.00 a month for this wonderful coverage Im going to do a formal complaint with the insurance commission. People need to stay away from this greedy company."
Commented on 2011-10-25 19:09:33 EST
"I inherited a home in Florida from my mother because of the age of the home and the change of names on the policy Foremost is cancelling my home policy."
Commented on 2011-09-27 09:13:32 EST
"Do not do business with this company. They collect premiums and automatically deny coverage for any claims. Their fine print in their policy automatically allows them to deny anything."
Commented on 2011-09-16 16:20:21 EST
"The company insured my home then turned around and demanded a bunch of upgrades including a roof that the builder said was in good shape for a few years yet. Then they cancelled me. Alright - BUT they refunded less than the amount for the prorated time What a racket These guys are crooks"
Commented on 2011-09-08 06:46:05 EST
" I didnt have a credit history so my beacon score isnt high enough so I had to pay in full for a year at the time. I have done so on time for three years. I renewed my policy about a month ago paying in full for another year. Yesterday I got a letter of cancellation from Foremost due to some eave and soffit dry rot and peeling porch paint also a storage room with an exit doesnt have steps... the door hasnt been used since I moved into this home. I called my agent who laughed and said there were also two gas cans on my front porch that concerned them. I guess no one places a gas can on the porch while mowing a lawn. Its hurricane season and I am faced with finding a new insurance company. I am very very unhappy. Foremost didnt even have the courtesy to tell me what they wanted changed and give me time to do it. I have a week to find replacement insurance or do without because no one in alabama will insure you during hurricane season if you dont have existing insurance. What the heck am I to do now"
Commented on 2011-09-07 19:11:27 EST
"Had my boat insured, and Foremost put in a disclaimer that water can not be part of sinking your boat. Eight years insured, and when boat sinks, tied to dock, $21,000 claim rejected for exclution of water sinking boat."
Commented on 2011-05-26 17:01:32 EST
"Totally shocked @ having a loss of my boat durring last summer. Foremost could not have been more helpful and courteous. Took the pictures of the boat and the quote for the repair, Foremost arranged for the removal of the boat and sent me a check. How much simpler could it be. Timely, courteous and prompt. What more could an insured ask from a company?"
Commented on 2011-04-03 17:10:31 EST
"These peolpe lied to us telling us that if we insured with them and cancelled the policy there would be no cancellation fees and they lied. They are charging us $50. "
Commented on 2011-02-23 17:22:19 EST
"Took a big deposit, then canceled me after two months. keep deposit."
Commented on 2011-02-10 16:16:03 EST
"they over charge big time"
Commented on 2011-01-21 19:39:01 EST
"Mountains of paperwork with varying fees sent to you in order to cause confusion and (hopefully) a lapse in payments. Typed my routing number incorrectly, which caused all sorts of trouble - Almost got my license revoked. Idiots. Complete idiots. ANY OTHER COMPANY IS BETTER"
Commented on 2011-01-09 00:56:47 EST
"agent sucks"
Commented on 2011-01-03 10:51:19 EST
"Make sure you know exactly what policy covers. Paid highprice for unoccupied home insurance, and when an upstairs toilet tank crack led to extensive water damage downstairs, I was told it would only be covered if water damage was result of fire or vandalism. They never offered there was additional coverage I could have purchased to cover this."
Commented on 2010-11-18 13:12:59 EST
"They never mailed me the renewal notice. I drove without insurance until something in the back of my mind told me to check."
Commented on 2010-11-15 21:40:58 EST
"terrible! burn your hard earned money its the same thing."
Commented on 2010-07-21 18:24:23 EST
"i filed a claim reference interior water damage. My kitchen, pantry, laundry room and childs bedroom were affected. the hardwood was destroyed, the water leaked through the subfloor, carpet in bedroom was damaged. my low estimate was 11,000.00 Foremost allowed 3,600.00 what was interesting was, they paid 120.00 for 16hrs of labor to remove flooring in kitchen. Thats 7.50 an hour. im yet to find a contractor to work for 7.50 an hour. one contractor stated that his labor alone would be roughly 3,000.00. "
Commented on 2010-07-21 08:17:07 EST
"refused to pay claim"
Commented on 2010-06-11 16:01:36 EST
"We had a burst water pipe in the roof. They offered a meager amount to cover the costs. The amount was 1/2 of the lowest of 3 quotes. They then, after we contacted a supervisor in the company, made a deal with the lowest quote contractor to bring down his price even more before agreeing to pay him. We felt so bad as we knew the estimate of the damage, building ourselves, that we ended up paying the contractor more than Foremost gave him!"
Commented on 2010-05-06 16:16:39 EST
"AAA would not insure me because of the age of the house I inherited. They sent the information over to Foremost and they insured me at a high rate. I paid them a significant downpayment. A month later I received a cancellation notice because of peeling paint which they knew of when they wrote the policy. They refunded a minor percentage of what I paid up front."
Commented on 2010-04-22 16:28:17 EST
"Flood loss. Minium damage to foundation, but was told unless it is major it is not covered and I would have to hire an engineer to prove damage is caused by flooding. I am pretty much convinced it covers nothing if it does not cover foundation damage. "
Commented on 2010-03-23 19:43:51 EST
"Long time policy holder.........about three claims none approved.......rip off!"
Commented on 2010-03-04 10:41:14 EST
"Basically we paid a premium for them to tell us nothing is covered. They are a rip off. We have a house that is a total loss, but according to them we are not covered."
Commented on 2009-12-28 19:22:59 EST
"Their customer service is top notch. Roof damage claim filed on a tuesday and check was issued on friday! Very friendly adjusters!"
Commented on 2009-12-16 11:44:33 EST
"will not listen to cause, made up mind not to cover before looked at"
Commented on 2009-11-19 10:21:10 EST
"I will NEVER recommend anyone to this company! My house burnt down over two months ago and they still wont settle. They always have some excuse as to why the check isnt there. Ive been left practically homeless. They say they will cover your additional living expenses and I havent seen a penny from it. They (adjuster) wont answer your phone calls nor will he call you back. "
Commented on 2009-06-16 13:14:53 EST
"Foremost was there the next week after Hurricane Frances. They were extremely fair and when we had a health issue related to mold Foremost paid out the limits of the policy. We needed them again after Hurricane Wilma. This time much less damage but same great service. "
Commented on 2009-04-16 06:08:11 EST
"Just got a quote on my 2009 custome pro-street. $2040.00yr Only paid $18,800 for the bike! No Thanks I'll keep looking!"
Commented on 2009-03-24 14:49:05 EST
"Agent sold high priced policy with no coverage for loss."
Commented on 2009-01-21 14:33:20 EST
"Fire started in wiring near heat pump air handler unit. Everyone I talked to in the company gave me a different story. Originally told verbally living expenses are covered--answered questions and got specific verbal approval for motel at x dollars a night, food, additional travel expense, etc. Then after making these expenditures, reimbursement was denied. Showed log of conversations agreeing to cover this portion of the claim, and they eventually paid some. Then they went back on their own damage and restoration estimate (which included air handler replacement), cutting their payment nearly in half AFTER the work was done and denying the air handler unit based on the idea that it started the fire---with no evidence from ANYONE that the fire started here---actually have unanimous statements that the fire started next to the unit, not in it. Answered the same set of questions over and over again. Currently waiting on them to give specific reasons for the drastic cuts they made in their own estimate when it came time for payment. Currently pursuing settlement with Foremost through the Appraisal Process. Avoid doing any business with this company!"
Commented on 2008-11-21 12:59:58 EST
"Ditto all the other complaints. Heed them well. USAA referred me to them. Slow on claims. Agents and adjusters won't speak with you. Have been without rooms and baths for 3 weeks. Found an RV rental that will direct bill them so we have alternative living. Got a check with no back up data. Scary. Won't cash until I confirm it is not final / full release. They are definitely not forthright or transparent. Only method for communication is by fax with no response. Woman who comes in line will tell you what you want to hear with no results. Dept of Ins. really needs to look closely at the unfair claims practices. This is a company on the verge of being taken over by the DOI."
Commented on 2008-11-03 09:49:11 EST
"Foremost loves the word "denied". They told me that my shed contents were covered the same as the mobile home, but when the shed was illegally entered and personal property stolen I was told I do not have "theft" insurance on the contents of the shed. However, the mobile home DOES have it. I was also asked for photographs and receipts for having a water leak in the kitchen floor repaired although I was "denied" the claim, and was told my Foremost insurance would not be renewed if I did not furnish those items."
Commented on 2008-10-25 06:57:53 EST
"I used them through USAA (an extremely good and powerful company which supports military persons) for a mobile home because USAA would not insure a mobile home. I had severe rain damage and it took forever (2-3 weeks) to get an adjuster and I still do not have my check. I literally was homeless with two cats. I had to move in with a stranger. The stranger robbed me. The mobile home had severe mold through the damage and I could not go back in. I am on the phone with them now, the lady is very nice and helpful, but that does not solve my problem of getting my mobile home back to livable standards. I will be contacting USAA and telling them these negative reports. "
Commented on 2008-10-17 12:43:55 EST
"Filed a claim after Hurricane Ike. It has been three weeks now and still have not seen an adjuster. I have been told now it will probably be another coule of weeks before they can get to me. RIDICULOUS. These people are a bunch of crooks. They take your money monthly but when it comes time for them to pay you are put on the back burner. "
Commented on 2008-10-02 13:05:01 EST
"DO NOT USE FOREMOST INSURANCE!!!! THEY ARE CROOKS!!!"
Commented on 2008-09-10 03:00:58 EST
"A flat ripoff. Agents that don't answer calls and accounting practices that are extremely imaginative!"
Commented on 2008-09-02 23:41:26 EST
"I bought a motorcycle policy, but cancelled it 3 days later when they wanted to add over $800 to my $705 m/c policy due to a prior accident. After cancelling the policy, they kept $205 of my initial payment of $287 for administrative charges ( punishment for cancelling ). Stay far away from this company, read the fine print and read as many reviews ( online ) for any company you're considering... "
Commented on 2008-08-05 14:17:37 EST
"They found a way not to pay for my claim 2 times. The first time they told me they would not pay unless I kept the heat on all winter in my summer home. This was because they said we did not properly shut down the plumbing. I kept the heat on which cost over $1,000 and there was a power shortage which turned the heat off, then turned it back on after the pipes froze, causing water to flow throughout my entire house. For this I was paid $3,000!"
Commented on 2008-07-03 12:47:03 EST
"Had to involve insurance commisioner to even pay for motorcycle repair. Foremost is representing the uninsured motorist who hit me to 'limit thier losses'. 3 year ordeal and counting."
Commented on 2008-05-14 17:16:49 EST
"they take toom much time to get all the repairs done..Had to replace two rugs and two vynal floors.. has been 4 months now and still no rugs or flooring..."
Commented on 2008-05-13 03:42:21 EST
"very costly, $504 a year for atv,went with geico at $200 a year"
Commented on 2008-03-24 10:46:49 EST
"Motorcycle insurance through Foremost is FAR more expensive than through other companies, such as GEICO. NOT good. I was able to get a year long policy from GEICO for around $200/year, and it cost me 3 times that at Foremost. A ripoff."
Commented on 2007-11-13 12:06:26 EST
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