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American Family Insurance Review

American Family Insurance 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.

"I had to hire a lawyer in order to get satisfactory help. This insurance company does everything possible to not pay anything they can get away with not paying. The other person in my accident was ticketed failure to yield riteaway and American Family still deducted 25 for my just being there. Their personal are extremely rude after my accident. I plan on dropping them as soon as my case is settled."
Commented on 2016-11-21 20:58:09 EST
"This place is a scam. They just want your money. i am out $1000 because of them. My brother was also paying for insurance on an extra car. He called twice about it and they said he wasn't being charged l, but when we went in to make a complaint about me getting over charged for so long we real sued my brother was paying insurance on a car he sold a year before. They are liars and I would suggest going for anyone else except. I don't thing an insurance company could be any worse."
Commented on 2016-03-08 22:12:48 EST
"They have stalled and made accusations based on slanderous lies against me the policy holder, from 3 people whom 1 of which I was going through a custody issue with. My life has been completely in shambles since I had a electrical fire, I might add fire department said dryer fire. .total loss. American family said rebuild, I have cried every time I've had to go there and they have paid the people I was buying home from contract 4 deed. The same people who threatened to make sure my life is completely miserable, I've been threatened and mistreated, my adjuster hasn't sent me a dime on receipts I turned in 3 wks ago. Hasn't finished my contents which he griped about every day, hasn't paid my pet bill at pet wellness center.and my temporary rental is about to expire in less than two months. I've lost my job because I don't feel safe driving to my hometown. I feel very railroaded and have never been treated with such total loss of morals by a American company, I was scheduled for oral surgery Jan 4th and because of the aforementioned I had to delay my surgery I'd been waiting for over 8 months, now I have a bad infection that's painful and is not responding to antibiotics, I seriously doubt I'll EVER be the same again because of the way this claim has been handled by my own company. I don't even think I'll want to purchase a home again, I think I'll be better off with a rental. American family is a horrible company. "
Commented on 2016-02-04 08:38:18 EST
"Very unhappy with American family insurance when it comes to dealing with a theft of property. They are not covering my 3500 in stolen tools They will not pay to have my truck re keyed after it was stolen from my locked garage... Going to change company's as soon as truck if fixed up and get a lawyer.... "
Commented on 2016-01-29 11:04:46 EST
"This company is incompetent, untrustworthy, and disorganized to an extent I cannot even believe. It would take way too long for me to explain the experience I have had with this company. Please, please, please do not ever use this company for any of your insurance needs."
Commented on 2016-01-12 18:24:22 EST
"Rude claim agent who fought with the cleanup company and insisted on reusing damaged trim and flooring after water damage. Low-balled everything and stonewalled. No response from customer service and agent disappeared at first indication of problems."
Commented on 2015-08-30 16:32:47 EST
"Claims process is a disaster. Total run around. Agent was worthless."
Commented on 2015-08-11 14:48:30 EST
"Not at all good, CANCELLED MY POLICIES AMFAM YOU HAVE BEEN DROPPED. "
Commented on 2015-08-10 13:33:32 EST
"We were long time customers with AmFam for nearly 20 years. Had one weather claim on the house, 2 deer accidents, and a couple Jewelry losses. The latter happened within 2 years, causing AmFam to decide to drop our homeowners. We're told that a good agent would have warned us not file a lesser claim, but we had 3 agents in as many years, due to AmFam corporate. Great agents, lousy customer treatment. Great pay on claims, no questions asked, etc. but why insure if when you use the insurance, you get cancelled? Shocked after being a loyal customer this long"
Commented on 2015-07-03 19:00:13 EST
"their adjusters do not adjust they only deny claims."
Commented on 2015-04-06 16:19:05 EST
"Auto and home insurance, CLAIM FREE, for 34 years I simply asked why the rates have gone up each of the last 5 years, or I may need to start looking elsewhere. Agent sent a simple email, basically "Start Looking"."
Commented on 2015-02-14 13:06:00 EST
"If you have a storm, American Family will find all possible reason not to replace the roof."
Commented on 2015-01-20 10:25:34 EST
"American Family sent an "inspector" unannounced to look at my house. After which I was informed that my replacement cost would rise to over $400,000. I have a 2000 square foot house and with demo and construction costs in my area averaging $108.00 per square foot this seemed excessive. I was informed that my policy would be adjusted to reflect this ridiculous amount unless I renegotiated my policy. My agent then used this invented figure to try to sell me more insurance by trying to sell me less insurance than the inflated amount they made up but significantly more than I'd had before. I dropped them like a hot potato. I used to believe they were trustworthy. I no longer do."
Commented on 2014-12-22 16:38:10 EST
"will not stay with this co. they do not care about the consumor just their bottom line.they will dump on them any chance they get.I will not recommend this co. to anyone"
Commented on 2014-10-29 19:11:21 EST
"Their main goal is to deny any and all claims."
Commented on 2014-10-26 16:44:35 EST
"Main goal is to deny claims by any means. "
Commented on 2014-10-12 10:51:38 EST
"Each question was designed to find a loop hole in not paying. VERY scary it was just an auto accident and they will probably pay but the scare tactics they use are terrible"
Commented on 2014-09-30 15:05:23 EST
"The main reason I'm still with AMFAM is my agent is great. Also they give preferred rates so my rates are cheaper than other companies I've checked. My main problem is getting calls returned from claims. As of right now I've been waiting 2 weeks on questions about my med pay after an accident that wasn't my fault. This isn't my first issue with them. My next renewal will be with another co. If their rates are comparable. "
Commented on 2014-09-22 18:32:44 EST
"The payments from my cancer policy have been a Godsend. The money has helped so much not only with medical expenses but monthly bills too since the payments come directly to me. I bought this policy for peace of mind and that is exactly what it has given me"
Commented on 2014-09-20 22:37:48 EST
"I wouldn't advise consumers to participate in their First Choice program when choosing a contractor for claim damage. They hire poor quality workers. Then when you have a leaking roof following their installation you have to go to battle to get anything addressed. First Choice was a poor choice for us."
Commented on 2014-08-05 10:50:11 EST
"I have a rural property 55 acres that I have been paying 100 a year for the last 5 years for liability only. Today I got a letter saying there is a new minimum farm/ranch charge of 250. I don't farm or ranch the property. The statement has two line items 1 line for liability equal 100 1 line for 150 dollars to bring to 250. These people must be about out of business if they are sinking to this level. "
Commented on 2014-06-24 16:22:49 EST
"We have been trying to cancel our auto policy with American Family since February of this year. We have called every branch and level within American Family and they still haven't cancelled our policy but they reassured us that this matter had been taken care of. Yeah right they keep sending us a bill demanding payment for a policy we terminated. They have now turned us over to collections because of their inability to maintain their accounts correctly. Luckily we saved every email letter and phone bill to prove we have made all these attempts to cancel and American Family can't seem to get their lousy computer systems or brain dead employees to get the hint that we don't want their policy anymore Now we have to involve our current auto insurance carrier and a lawyer to clear stupid crap off our credit bureau all because someone doesn't know how to hit the "cancel" button at American Family. Thanks American Family for the major hardship you have caused us. Never again"
Commented on 2014-06-22 23:22:09 EST
"They cannot even keep billing straight. Again. Paid bill ... all was OK. Today get call that I owe 2200. 00 and cancelled the insurance. Their screw ups have cost me more than once.Waiting for three hours to find out if I am insured."
Commented on 2014-06-16 14:38:17 EST
"I've been with American Family for many years. Recently had a car accident and my car was declared as total loss since the cost of repair exceed 75% of the value. The adjuster gave me the lowest price that he found in United States not considering the condition of the car. After two weeks of the accident he called me and said will have the car towed to my house if I don't agree with the price. I have a wonderful agent but when come to the claim it is another story.People I know had a good reimbursement for their car with total loss and of course they are NOT with American Family."
Commented on 2014-06-02 16:26:02 EST
"Been with American Family for many years. Then had an accident with another American Family insured 100% their fault. Adjuster made me agree verbally to a maximum injury payment and date to close claim BEFORE I HAD EVEN BEEN TO THE DOCTOR. All they cared about was to cut me off. Spinal damage and now I have to pursue Medical on my policy why would the same company not just want to do the RIGHT thing and pay for my injury? Time to shop for insurance..."
Commented on 2014-05-24 02:39:53 EST
"They did not call me before denying a claim. When I called the adjuster didn't make sense. He kept taking about speaking to my father in law who died 12 years ago. How would that even remotely concern a damaged lawnmower.?"
Commented on 2014-05-13 13:54:19 EST
"Thirty years in same house-no claims. 55% rate increase this year. No explanation "
Commented on 2014-04-10 21:30:56 EST
"in a tornado they took care of everything and put us in pet friendly hotel. Fast claim service."
Commented on 2014-03-26 19:43:52 EST
"Paid all my Farm and Ranch premiums in full and on time for 35 years. Made my first claim ever this week. Not covered go figure why would they cover snow load in northern Wisconsin?? Find a different insurance company."
Commented on 2014-02-20 10:43:46 EST
"They now look at frequency of occurrences regardless of whether or not they had to payout. They are dropping my family because of 6 occurrences in 5 years. 2 were comprehensive and should not have been listed. Of the remaining 4 they only paid on one claim. Doesn't matter any more if ACCIDENTS are your fault or not. We have been with them 16 years and have always been given trouble with claims. Go elsewhere "
Commented on 2014-02-05 11:52:38 EST
"Never paid my claim due to my credit report They had no problems cashing my semi-annual premiums Takers scammers rip-off artists "
Commented on 2014-01-10 19:34:13 EST
"Been with American Family for 15 years and they have always been easy to work with claims were never an issue either. "
Commented on 2013-12-14 14:49:47 EST
"Last year my home owner insurance went up more than 15 percent and this year another 21.5 percent increase and I have had only 1 claim in over 40 years."
Commented on 2013-11-14 13:22:31 EST
"My entire Court over 20houses had hail damage and every house received new roofs except for mine. American Family claimed that my roof didn't have enough damage which it did. I've had shingles falling off my roof ever since. Very unhappy with American Family. I was with them for 19 years. I'm happily with another company"
Commented on 2013-10-26 00:46:08 EST
"Delays in paying off claimsweeks not days. Took 12 days for them to consider my counter offer on my vehicle. Once we agreed to a dollar amount they failed to payoff my totaled-out truck auto loan in 3 weeks time. Even though they stated they had made prompt payment. I had to make another payment so as to not affect my credit rating. They towed my truck away from the body shop without my permission and without even making payment. "
Commented on 2013-10-21 18:18:31 EST
"I have been with American Family for over 34 years. This is the first time I filed a claim which was for roof damage. The claims agent was slow in handling claim and had no communication unless I had contacted him.It took eight months from the time I filled the roof damage claim till roof was replaced. Their hired roofing engineering firm declared the roof as compromised and needed to be replaced."
Commented on 2013-09-10 12:03:59 EST
"We have found that the OSB sheathing on our house is deteriorating and this damage is being denied coverage by the adjuster and the agent commented to me 'you have a MAINTENANCE ISSUE' And when i asked why the claim wasn't being paid on this nine year old house he had the nerve to ask me 'didn't you READ THE POLICY??'I HAD asked him to give me the best policy which i was told was their Gold Star Elite which supposedly covers everything by evidently not the 'MAINTENANCE ISSUE' problems.Now we will have to remove and reside the entire dwelling spending many hundreds of thousands of dollars oh but it's a MAINTENANCE ISSUE'ASAP we are going to DROP AMERICAN FAMILY like the lead balloon company it isDisgusting"
Commented on 2013-08-25 22:02:00 EST
"Been with since 1977...three homes three cars and 2 life policies. Since we have been with so long we have reasonable rates...but just try to put in a claim and they will find reason to not pay. Sold one house and one car...soon as we sell other home income property I will pay any company higher rates and feel like I am a valued customer American Family could not care less about a family unless they get their "pound of flesh".....terrible would never recommend. Why stay for rates if they never pay "
Commented on 2013-08-11 15:58:32 EST
"One claim for fire damage from faulty equipment. Now AMFAM cancelled. Cowardly letter with no signature. Stay away from AMFAM and any of its add any garbage about AMFAM Children's Hospital."
Commented on 2013-07-19 17:51:39 EST
"We have been insured with American Family for home and automobile three times since 1976. We changed 3 times because of rising rates after 5 to 10 years. The only claim we ever had was for a stone from a snow plow truck in 1981 and from another dump truck on a 2 lane highway in 2012. Interestingly both times the Home Owners Gold policy we have increased the premium substantially and then the auto insurance premium increased. Mind you .. the claims were for a 100 AUTO windshield repair . . . not a Home Insurance claim. We live in south central Wisconsin in a ten year old home and never had a home claim . . EVER. We just got a 60 day notice that our Home owners premium will be going up from 538 2012 last year to 765 this year2013. We also had a 1M umbrella policy and cancelled that 2 years ago since the premium on that increased from 238.yr. in 2004 to 462 in 2011. Never had a claim. In addition the Auto premium increased this year for our 2009 Saturn Aura and 2010 GMC Canyon from 1100/yr to 1347/yr. No reasons were given and our agent was no help. I went into the office for an "insurance review" and all she wanted to do was "suggest" I get the umbrella policy again to lower the Home owners premium and increase my deductible on auto to 500.Lastly we also have gotten new letters of coverage each of the last several years which "clarify reduce or eliminate" coverage our Gold Policy used to cover. So in other words we are being asked to pay more for less and less coverage and more exclusions. Hate to say it but all insurance companies seem to be pulling this along with increasing Home replacement values to drive up policy premiums. They say our home replacement is 206000 and I could build it brand new including a green belt lot less than a mile away for 185000 from the same builder. "
Commented on 2013-07-11 16:10:10 EST
"Had two severe hail storms occur in our area one in 2010 and the other in 2012. Adjuster sent out by AmFam after the first storm stated the roofs on our buildings only needed minor repairs/replacement of a few shingles other roofs in area were replaced by other insurers. The roofing contractors 3who looked at the roofs stated the roofs were total loss and needed replaced. AmFam made partial payments then had to be prompted with threat to report them to state department of insurance to get them to agree to send out another adjuster. Second adjuster agreed roofs needed replaced. After second hail storm the new roofs were fine however some siding needed replaced. Siding was replaced due to holes however the color could not be matched we complained but agreed to only replace the broken pieces thinking this would help keep rates down. Now we received a notice of cancellation for having too many claims even though the claims were for losses due to acts of god. So now we have to find a new insurance provider after having been with AmFam for 17 years for buildings that have mismatched siding. The total paid by AmFam for the losses was approximately equal to 5 years of our premiums."
Commented on 2013-06-04 12:34:36 EST
"After a severe hail and extreme wind storm a few years ago American Family only paid for the front of my house to have a new roof and NOT the back. The front and back had the same excessive damage loose shingles etc. However only the front was repaired. I had to pay for the roof on the back of my house to be completely redone. Now the rest of my neighbors who had similar damage from this storm yet had different insurance companies had the roof of the ENTIRE HOUSE replaced "
Commented on 2013-04-30 22:14:40 EST
"30 years of customer loyalty counts for nothing-close to the line according to the adjuster but too bad-denied. Looking elsewhere for four cars three homes one umbrella policy."
Commented on 2013-04-23 20:03:13 EST
"American Family is one of the few companies that requires a vehicle inspection to have a simple windshield changed. So the company I wanted to hire to handle the windshield replacement is all ready to go and American Family says "not so fast" we have to inspect your windshield. Fast forward 3 days still no inspection/call from American Family and my windshield is worse than ever. At this point I'm not driving my car until I get new glass and American Family couldn't care less. I already have a new policy with State Farm. As soon as my glass claim is processed I'm dumping this crappy company that has no concern for my safety or that of my kids. According to my new State Farm agent no inspection is required on windshield replacement. Great strategy to lose customers American Family See ya."
Commented on 2013-03-20 23:48:21 EST
"Have had over 20 years. No claims till 2013 and would only pay thirty cents on the dollar for theft reparation. Worthless insurance. Run away as fast as possible. "
Commented on 2013-03-17 11:54:12 EST
"American Family does not work for its clients They are interested only in not paying claims. After a shoddy "investigation" the company refused to reimburse me for my deductible and car rental although the minor accident was the other party's fault. She was ticketed. "
Commented on 2013-03-14 12:03:58 EST
"Exceptional service no problems with claims and rates are the best."
Commented on 2013-02-21 20:08:55 EST
"Filed a water damage claim and they paid fast then a year later----You r dropped"
Commented on 2013-02-16 04:04:53 EST
"Please do not use this insurance company. They do not care about customer loyalty. Thank you."
Commented on 2012-12-09 06:38:37 EST
"After a recent hail storm both my adjacent neighbors had their roofs cover by their respective insurance company but American Family refuse to cover my roof. The American Family adjuster said there was no damage even though it was clear that granules from my roofs shingles showed pinging from the hail. "
Commented on 2012-11-27 19:10:21 EST
"Hail damage to 12 houses in my neighborhood. All were covered by house insurance except three. Us three have AmFam. Clearly could see the damage but the ajduster blamed it on the shingles. I see no rider telling me what type of shingles. Funny that the roof vents and soffit were covered but just under my deductable amount. They paid me nothing then sent me a letter stating that my insurace premium was going up due to the heavy storm damage in my area. They have done me no good at all..but they have not heard the last from me yet. I have heard nothing but bad about American Family "
Commented on 2012-10-02 14:49:36 EST
"Excellent across the board."
Commented on 2012-09-21 14:22:19 EST
"The only concern I have is they are more expensive than other quotes yet claims have always been paid and none denied."
Commented on 2012-09-04 15:32:30 EST
"Hail storm in my neighborhood. All wood shake roofs were replaced except mine covered by American Family Insurance. American Family gave me 1600 toward the repair of the roof. Repair was unfeasible as testified by a couple of roofing companies. I contested the claim to no avail."
Commented on 2012-08-30 12:54:19 EST
"Total inefficiency in every aspect and lack of communication between local office and home office. Suspect bait and switch since I did not end up with policy that was quoted to me by local agent who has been avoiding me."
Commented on 2012-08-24 10:37:29 EST
"had a claim for hail adjuster was very helpful replaced roof was very easy"
Commented on 2012-08-20 23:29:35 EST
"Can not get addresses correct. Change one and they have others. Took three times to get all addresses correct. On claims they took so long that I had to deal with medical billers to avoid going into collection. Avoid at all costs."
Commented on 2012-08-08 13:48:12 EST
"After reading other reviews about ALL insurance companies they sound pretty much alike. I have been with American Family for over 25 years. I had one claim of 3000. on a truck 15 years ago and they raised my rates for 3 years to cover the amount of the claim. The only other claim I have had is a recent water damage. The adjuster was a jerk and only wanted to sell me more insurance. When I got the results of the claim it was for 1200. THis was to replace the floor subfloor a cabinet and door thrushhold.He wanted me to re-use alot of the materials also. Who do you know that would do all that for such little money? He said" I have someone that will do it for that." Gotta be a scam. My agent was of NO use. Even asked to extend the time to complete work to do it our selves but the adjuster said NO. Wish I could find a decent and honest company to give my money to but when it comes to insurance there is no such thing. "
Commented on 2012-07-23 19:00:08 EST
"The plan starts at a competitive rate and after afew years the rate skyrockets beyond the rate of any other competitors."
Commented on 2012-07-13 20:46:00 EST
"After 20 years with no claimsI have 2 acts of god valuing less than 700 in claims and they increase my deductible without telling me and have the nerve to tell me I am high risk and if I had a third claim they would drop me. The key is AFTER 20 YEARS WITH NO CLAIMS. Loyalty does not exist with this company."
Commented on 2012-06-25 10:20:53 EST
"Take their time to deny your claim probably so they can soak you into another policy and collect the fee"
Commented on 2012-06-14 21:48:02 EST
"for 28 yrs they have raised the premiums..when I complained they said could increase deductible or reduce coverage...they do not care about retaining customers"
Commented on 2012-06-14 11:27:27 EST
"Had a hail storm in 2011. Am Fam sent a third person inspection co to look at roof. Only would cover repairs to small part of roof. Twelve neighbors got new roofs. Was told by roofer Am Fam needed twice as much damage as other ins to fix roof. Now we are re roofing the house at our expense because of the hail damage. "
Commented on 2012-06-07 03:32:31 EST
"Claims process was great. Interaction with my agent was fantastic. I read a lot of reviews and decided on my own to take a chance going with this company. Im very glad i made my own decision and didnt base it off of a few upset clients. Every company seems to have bad reviews on here. Im happy"
Commented on 2012-05-24 03:24:55 EST
"Cautiously review any insurance update and policy changes that you may be unaware of. My insurance policy has been changed adding loop holes so that they do not need to follow new laws for consumer protection from insurance companies. "
Commented on 2012-05-19 17:10:44 EST
"after paying for replacement insurance on premiums still with held money even after fixing the damage still have not recieved 2500.00 they owe me instead i was cancelled for one clain an it was weather damage ? "
Commented on 2012-04-26 22:46:10 EST
"My fence is a totol loss from wind. Estimated at 8100 to replace. They denied claiming only 500.00 was needed to repair."
Commented on 2012-04-14 10:30:20 EST
"they are very rude and I felt victimized all over again when I had to file a claim with them "
Commented on 2012-04-13 10:06:04 EST
"We agreeded on a claim for damaged roof. They backed off and would not honor it. The agent was of NO HELP."
Commented on 2012-03-27 16:22:21 EST
"Very good claims service when needed rates seem fair over the long haul of two teenagers."
Commented on 2012-03-21 05:38:49 EST
"Do not do business with American Family Insurance They are crooks We had a truck stolen from our house and they are refusing to pay. They have put our family through so much turmoil. Save yourself alot of money and heartache please See you in COURT American Family"
Commented on 2012-02-07 15:41:31 EST
"After being a loyal customer for 10 years American Family is cancelling our policy and offering a higher premium even though we have lived in this manufactured home on ten acres with livestock. Its a total evil shame."
Commented on 2012-01-31 19:01:17 EST
"excellent and fast claim handling"
Commented on 2012-01-26 14:01:59 EST
"Still arguing over home hail damage after two years. Sr. claims adjuster yelling at me over the phone. These guys used to be good. RUN"
Commented on 2012-01-13 09:18:35 EST
"Dont use this company. When it comes time to pay claims they will weasel out off all that they can."
Commented on 2012-01-10 10:06:58 EST
"14 year customer filed first claim for damaged shingles. About 1.5 years ago they changed wording in policy stating in a round about way stating they wont cover my shingles. They will only replace the damaged ones even though their claims adjuster said the entire slope had to be replaced. A long story short I ended up buying additional ins. from them that was suppose to cover older shinglesIT DIDNT. IM OUT."
Commented on 2012-01-09 07:52:17 EST
"I think you are a bunch of scamers and I will let everyone know that you send people to collections when they end service with you when you been payed up. Also raising your payments thats why the service ended. the whole company is one BIG SCAM American Family Insurance is the worst of all"
Commented on 2011-12-05 17:23:58 EST
"From my experience of looking into getting insurance for both Auto and Home it is becoming apparent that as long as you do not have any issues and just pay your premiums on time and accept any and all increases these companies are not too bad. The reason is because you do not have to deal with them.Now of course if your case is clear and there are no citations against you and you are not at fault ... well then in most cases things seem to flow along just nicely .... I have read though of terrible experiences even in these cases.But when you actually have to speak to these Agents like in my case about a recent premium increase on my Homeowners policy ... well then the ugly side soon appears and one can only wonder how these agents are allowed to practice when they do not even understand the most rudimentary elements of discussion.Just my two cents .... I am switching but with my eyes wide open .... I do not relish it but insurance is a neccessary evil."
Commented on 2011-11-27 11:01:17 EST
"Because I didnt have police report an inspector has to come and see my car at their own time and convenience."
Commented on 2011-11-10 14:52:44 EST
"Expensive Credit score based premiums a huge minus and downfall. Ive never had an insurance claim in my life but because I cant pay my Visa card I pay higher insurance How is that justified I cant pay my clinic/hospital bill but I have to pay higher vehicle and home insurance than everyone else. So if you are a BAD driver or make insurance claims a lot thats O.K.....as long as your credit is better than mine youll probably still pay less then me. I have problems with my credit and finacially struggle so be sure and use this against me and gouge me with higher premiums than others. American Family shouldnt be called family its far from that. "
Commented on 2011-11-09 22:22:45 EST
"Our home insurance rates have almost doubled...they say its because of the hail storm of 2008 and also the fires that detroyed a lot of homes in the last few years. WE have been with them 12 years...3 autos 1 motorcycle and 1 house....never submitted a claim. I recently discovered that we should have been getting about a 25 discount because we have a qualifying concrete tile roof. I had to point this out to my agent and when I asked her when they had started that discount she said we just started that. Amazing that I found an American Family form online for this roof discount that shows a form revise date of July 2008...meaning that they have offered the discount for at least the last three years I am shopping for new insurance right now and also trying to figure out if I can make American Family pay me back for the three years at least I should have had the discount which amounts to over 2000. Does anyone know I feel totally ripped off"
Commented on 2011-11-09 19:38:37 EST
"I have had a life insurance policy with American Family for over 3 years and wanted to cancel it due to the high cost of the policy. The surrender value of the policy is a 73 of the policy value THIS IS A RIP OFF I am filing a formal complaint with the Ohio Department of Insurance. Do not do business with this company"
Commented on 2011-11-02 15:41:46 EST
"Claim free on auto for 15 years claim free on house 5 years. Wont renew me because they discrimate against my boyfriends dog breed. Not my dog. He is willing to get separate policy. They wont do it. Either get rid of the dog or get rid of AFI. Guess whos going"
Commented on 2011-10-06 15:54:12 EST
"AMFAM would not pay for any portion of the water pipe that broke in our downstairs basement I.e. this was a cost that I had to bear of over 600.00 plus pay my 1000 deductable to support the cost of the dry out of the rooms affected by the pipe break as well the replacement of carpet etc.The local AMFAM agents office is about 2 miles from our home yet he never came by nor called us to see the damage or just to get involved"
Commented on 2011-10-01 09:26:19 EST
"Their two recommended roofers said our roof needed to be replaced. Neighbors on all sides got new roofs however American Family refused to replace our roof. They used a very narrow parameter to get out of the coverage. We had Gold Star Special Deluxe coverage on our home umbrella coverage and all our business and personal cars covered by them. We paid them a fortune and they refused to cover our roof damage. Then they refused to renew our policy so they wouldnt have to pay in the future. They suck"
Commented on 2011-09-19 10:34:37 EST
"I was told they would cover a rental car and just a few days before I was to return the rental car they informed me they would not be covering the rental car anymore for absolutely no reason. I had to fight for 3 days straight to get them to cover for my rental car and in the end they didnt cover the whole thing. The company is filled with multiple dishonest people thats including the top people who I had to talk to in order to make them pay. Luckily I had the time to fight but the average person doesnt have the time I do and would go nowhere with them. DO NOT GET THIS INSURANCE COMPANY THEY LIE"
Commented on 2011-09-17 13:34:55 EST
"I have home owners insurance with AmFam I am about to get an estimate and file a claim for roof damage I noticed today Im not very optimistic about the ourcome from the comments Ive read so far Im going on fifteen plus years with this incsurance company and it looks like the more years you have with this corporation the more you are likely to get an unfair outcome on your claims My home is in the midwest and weve had a hard winter very hot summer and more than our share of hail and high winds over 60 mph with storms this year When I think about homes being totally destroyed by mother nature and the horror stories that homeowners go through with filing claims and getting little to nothing for replacing major damage and restorations Well this can only mean that I need to prepare to get ready to bite the bullet on a fair outcome for the replacement or repair of my roof There should be a process that homeowners can utilize to take legal action against these insurance companies ripping hard working people off like this Maybe we should be taking out some legal representation insurance in addition to homeowners insurance."
Commented on 2011-09-16 02:19:33 EST
"Our agent and her head lady are always very helpful and kind and do their job very well. One call and we get our answers and prvided help immediately if not before. Have been with our agent for many years"
Commented on 2011-09-15 22:02:01 EST
"When we had very bad storm damage to our home American Family was the worst company to have. While other homes around us with far less damage were getting their roofs replaced American family wanted only to repair ours in spots. The deck on our home was damaged to the point it needed to be replace however again they denied the claim because they wanted only to fix it to condition it was in but claimes they couldnt do it because it wouldnt meet code. so they were not resposible for any repairs. I have been with them for 20 years this was our first claim and I will never deal with them again. The are a sham company and if your smart youll stay away from them"
Commented on 2011-09-12 08:57:40 EST
"truck stolen and recovered totaled burnt..still not paid. Home robbed settled for less than value. Storm damaged roof adjuster wanted patch it...three others said it wasnt patchable...been with them for 15 yrs. time to move on"
Commented on 2011-09-02 18:41:32 EST
"I came home from work one day and the neighbor told me someone had been there taking pictures of my house. I called my agent and he informed me that they do this every so often. A few days later I received a letter in the mail from AMFAM stating that I had to replace my whole roof. There is nothing wrong with the roof. The letter also stated that our home owners insurance would be down graded and the roof pro-rated in the event there was ever a claim. It also went on to say not to worry as our premiums would not be affected...Well thats just neat..less insurance and pay the same. I feel this company tried to strong arm me. I canceled all policies 3 cars and houseand went with another firm and ended up saving 267.00. Beware..."
Commented on 2011-08-29 20:48:44 EST
"We had a flood 8 inches of rain. We had water come up from sewers but because water also came through door they would not pay. They have about s dozen policies with us. Not by the end of next week. Im sick of them and their underinsurance policies."
Commented on 2011-08-28 16:34:53 EST
"Shop around people. Am Fam is over priced and they had me underinsured on my home. I now pay 500 less for home auto a year for better coverage becuase I went out and looked. My Agent in a time of need ignored me and the claims adjuster in Wisconsin well lets face it we all know he gets paid to deny claims even if you deserve it. I would NEVER give them another dime of my money."
Commented on 2011-06-22 11:40:28 EST
"They are great for auto insurance. If you have a homeowners claim youre screwed."
Commented on 2011-06-16 00:53:50 EST
"This company sucks I was burglarized and its been 2 months and havent recieved a settlement yet. No sense of urgency at all."
Commented on 2011-06-08 05:45:54 EST
"Our American Family agent was wonderful, but the rates keep going up in the hundreds without an explanation. something I thing is discrimination is that American family uses your credit score to determine how much you pay, we pay over 600 a month and pay on time and yet because of our credit score it stays high. We have excellent driving records and our cars and income situation should have nothing to do with how much to charge for insurance. They check your credit rating every 3 months and just keep adding to the bill. How is that not discrimination? I do not drive different because of my financial problems? "
Commented on 2011-05-24 08:38:45 EST
"Awesome claim service!"
Commented on 2011-04-26 13:39:22 EST
"Fast Claim Service and Check on the Spot."
Commented on 2011-04-21 19:53:38 EST
"They insisted on using companies that they recommended and used exactamate software and eventually refused to work with the company I had hired. I was intimidated by the adjuster."
Commented on 2011-04-21 11:13:03 EST
"Recent 20% increase in already high homeowners policy premium with no advance discussion or notice. The policy has been in effect for 3 years, there have been no claims, no changes in coverage or circumstance. Company is evasive about reasons, suggests that it has to do with credit rating. My credit rating is excellent, above 775 for all three agencies."
Commented on 2011-04-17 20:44:08 EST
"The adjuster came to the house and tried to strong arm and intimidate me as the home owner. He wanted me to only do business with his referals and contractors. He had a big chip on his should from the get go because I had a private contractor here. End result was he was fighting in the yard with my contractor and flipped him the bird. How unprofessional. Over 15 years of having them as a carrier I am moving on they will not be there if you really need. "
Commented on 2011-04-13 17:08:40 EST
"The company raises rates without an explanation even if you have no claims and great credit rating. They have "evaluators" come to your home, usually when you are not there and tell you what you HAVE to fix to get renewed "
Commented on 2011-03-25 18:14:09 EST
"I am new to the company approximately 3 months. They take a month or so to send your policys. I will see what happens later because I like to stay with the same company for years. I can say that the customer service is a plus so far but I havent put in a claim yet so hopefully I will be satisfied overall with the company."
Commented on 2011-03-19 13:08:22 EST
"Rates keep going up and up ben a customer for 4 years and evey 6 months it seems to get more and more expensive"
Commented on 2011-03-15 21:39:56 EST
"rates are exceeding increases of 2o-30% per year with no explanation they showboat their discounts but nothing about rates going up 20-30% must think you are stupied"
Commented on 2011-03-01 10:05:57 EST
"American family is terrible. DO NOT USE! My agent did nothing to me when I was hit in my car (I was not at fault). They just like to collect your money and run away if you need them. "
Commented on 2011-02-23 17:32:59 EST
" I got rearended sitting at a stop light,$4500.00 damage to car,injury to neck that shows on xrays.Amfam has been jerking me around for 3 years now,still no settlement,latest xray shows neck problem getting worse,need surgery to fix,still in pain."
Commented on 2011-02-23 13:51:42 EST
"thier ok if you like being treated like crap"
Commented on 2011-02-13 09:07:21 EST
"Claims process was very simple. They protected me when a person claimed injury on parking lot backing accident."
Commented on 2011-02-09 18:25:39 EST
"High rates and when you have a claim they decide how much your repair bill should be and what they will pay."
Commented on 2011-02-03 12:28:20 EST
"RUN! Look for another company!!!"
Commented on 2011-01-31 18:07:37 EST
"Although we have excellent driving records and we have never submitted any type of claim the premiums continue to increase every six months."
Commented on 2011-01-29 14:00:16 EST
"American Family is AWFUL - I have been with them for over 15 years with auto, home, boat, and umbrella and just now had experience with their claims area by filing a claim for roof damage. Every other house in the neighborhood had a complete replacement and my adjuster has decided that he wants to replace a few shingles. My agent is absolutely useless and no help or follow-up with me at all - my suggestion is stay away from American Family which I will be doing. Make sure you switch before you file a claim and experience their terrible customer service!"
Commented on 2011-01-28 11:24:30 EST
"Hail on our home, one adjuster said no roof damage but after 80% of the homes on our street were getting reroofed I called and asked for another inspector to look at the roof. After the second time AmFam says yes, I need a total reroof on the house. Since it took so long to get things rechecked it may be a year before it can get done. Winter is some of the time issues but I could have had this done if the first guy knew what he was talking about. Since the hail damage my premiums have doubled. "
Commented on 2011-01-26 18:02:11 EST
"American Family added a child to our policy without our knowledge. This child is a foster son that does not even drive. When we questioned them in this regard they informed us he was living in our home with a valid license and there was nothing they could do. Also they added him to the most expensive auto that we have. It added about 120.00 a month to our bill."
Commented on 2011-01-05 14:34:36 EST
"I never got beyond the quote with this incredibly weird company. First the agent said he could get me auto insurance for about $300+ as he wrote a policy for his mother 5 years older then me for that, he quoted $700.00 to me with never a ticket or accident. Next: The homeowners insurance. The quote was average (I already had 5 others). Then said he would have to take pictures of the outside of my house. Gut feeling said stop! but I ignored it. He took the pictures of my house, yard, & roof & began nosing around, checking my fuse box, indirectly asking if my sewing machine was used for a business. Next I get an email telling me I had to provide my old insurance policy "to prove" I had insurance. That did it. In 40 years no insurance agent had ever been as intrusive as this jerk. I suspect he was following the company manual to the letter. Forewarned is for-armed."
Commented on 2010-12-12 11:21:29 EST
"Waiting 2 years to settle!!! Stay away from this evil company. 20 plus year ex customer"
Commented on 2010-12-06 23:28:31 EST
"Had two homes at different times, had hail storms at each house, called american family to look at the houses, each time they denied that the houses had any hail damage, but the neighbors got new roofs but not mine. A lady back into my truck and drove off, the police found her and filled out a police report that damage was done. Called american family insurance agent and they said that was my problem and they will not help. I have paid them on time for 22 years and filed no claims. They will not work for their customers. Changing soon."
Commented on 2010-12-04 18:31:51 EST
"Claims is a nightmare with this company. AmFam has been my auto insurer for over 10 years. Then I get rear ended and as a result get some whip lash. Other company handles the claim promptly and very helpful, but the AmFam claims dept. NEVER calls back and you always get voice mail, no matter when you call. Stalemate for 6-8months. Finally had to threaten getting legal counsel, and after that, it settled the next day. My premiums just went up 20%- Looking for another company. "
Commented on 2010-11-18 11:16:52 EST
"The company insured the property and after nearly one year took exception to property. "
Commented on 2010-11-12 15:24:29 EST
"They significantly raised premiums without a notice. "
Commented on 2010-11-12 10:32:15 EST
"We were shocked to get a call from them saying they they were examining our property and taking pictures almost a year after we became insured with them. They tresspassed on our property unkown to us and if we had seen them would have called police or protected ourselves from them. We felt invaded and and our privacy invaded which is wrong"
Commented on 2010-11-09 18:12:23 EST
"Our AmFam agent is very knowledgable and helpful with all of our insrance needs. Its one thing to have the cheapest price and it is another to have amazing service when you need it. There is no better feeling then having an agent sit down with you to explain what you are paying for an how you are covered offering suggestions on coverage you may need... especially when you have to file a $7,000 claim for a sub pump your prior insurance company did not even offer to you."
Commented on 2010-11-08 12:32:03 EST
"Over the past 38 years I have had 3 homes and all these years I have had American Family home insurance. Filed for one small claim 8 years ago. Last spring we had a hailstorm and I filed a claim for roof damage. They denied the claim. The house across the street from me and another one 2 doors down had their roofs replaced by State Farm Insurance. Needless to say I have cancelled my policy with this company and switched to State Farm. DO NOT USE AMERICAN FAMILY INSURANCE!"
Commented on 2010-11-05 11:59:08 EST
"Have had an excellent experience with my agent and the claims department. Very courteous and knowledgeable. No complaints - rates were very competitive, and I got better coverage than what I had before. "
Commented on 2010-11-01 17:45:46 EST
"12 out of 15 roofs in my neighborhood had their roofs replaced due to hail damage, all 3 that were not replaced had American Family."
Commented on 2010-10-26 13:09:07 EST
"my agent is great, he is very helpful and profesional i hope he will find a diffrent company to work for. i hate to loose HIM but after dealing with their claims department i will be taking my three homes, two motorcycles and 4cars to another company. what i was told was "simple" smoke damage that would take only 3-4 weeks to clean up has now taken 6+months with no end in sight. they are trying every thing to keep from paying for my belongings that still smell like smoke and the cleaning agents the company they recomended used to attempt "cleaning" three times!!!! and they lowballd repairs to my home, repairs that i have had to go back and re-do properly the claims people are rude, condisending and evasive to say the least. they are completely unable to answer the simplest questions even after passing the buck to three or more different individuals who point the finger to someone else to give the answer, an answer that NEVER comes."
Commented on 2010-10-19 22:44:54 EST
"Seems lately everytime my vehicles come up for renewal the price keeps going up! Went up $9.14 a month for a Kia Soul. Never seems to go down!"
Commented on 2010-10-14 10:55:39 EST
"They say one thing one day and say something different another day. We had our roof inspected by Am-Fam and he spent a whole 10 minutes or so on the roof with his dark sunglasses on. Told us one thing that day and then told us something different 3 days later in a letter. Now they want us to replace our roof out of our own pocket or they will cancel our policy."
Commented on 2010-10-10 17:27:26 EST
"After 30 years, had a claim and had the worst experience imaginable with the claims adjustor. Totally unprofessional and the company ended up paying 1/4 of what our repairs were. Now we are stuck with the company for 3 years before we can make a change - and believe me, we certainly will. "
Commented on 2010-10-05 19:19:21 EST
"I have had American Family insurance for more than 20 years after getting dropped by Aetna after one accident. I have had several claims over the years and they have always handled my claims quickly and professionally. Due to rate increases, I recently decided to check into other companies. Other than Progressive, their rates were below the competition. "
Commented on 2010-10-05 14:42:43 EST
"Read the fine print. "Personal property" may have token allowances for things most likely to be stolen (jewelry, watches, etc.)."
Commented on 2010-09-28 12:32:51 EST
"My Homeowner Rates increased by over 30% this year when my policy was renewed. I have not had a claim in 5 years. I started shopping for a different insurance company and found that every company so far is lower on the homeowners and auto policies than American Family Insurance."
Commented on 2010-09-21 23:48:51 EST
"Had a fire loss and reported claim, within an hr of the fire department leaving, American Family had sent a company to do the temporary repairs to my home. I spent the night at the inlaws and the company reduced the deductible. They said I was intitled under the contract to arange temp living at their cost and since I went to the inlaws that counted. As far as the rate increase, My agent reviewed my past 6 years of premiums with me and it showed that me rate had come down almost every year and even with the 25% increase I was paying less then I was six years ago. I obviously can not say that is the case with everyone but it is the case with me. I alway find it interesting that the majority of people who take time filling these surveys out usually has an ax to grind. The ones who are happy do not take the time. "
Commented on 2010-09-21 13:19:31 EST
"They never returned calls about claims, I have been waiting over a week for any sort of news and they just keep ignoring me. What a terrible company. I would rather have no insurance then EVER go to them with my business. What terrible people. "
Commented on 2010-09-20 21:54:06 EST
"Rates went up 25% in one year with no claims"
Commented on 2010-09-15 20:36:55 EST
"One of their policy holders hit us in rear and it left my wife and I disabled and in constant incurable pain. They have yet to settle even though there are witnesses, medical documents, and traffic citations. Boycott AM FAM!"
Commented on 2010-09-14 13:46:29 EST
"as others have commented, we were overcharged for many years, and when i finally decided to get other quotes, then they sent me a refund check for overcharging for the last 4-5 yrs. rates have been going up and up and up with no valid explanation. very deceptive practices."
Commented on 2010-09-14 09:50:00 EST
"The company does its best not to pay out any claims whatsoever. Cannot depend on AF in times of need."
Commented on 2010-09-01 19:36:35 EST
"they do not know what they are doing"
Commented on 2010-08-31 09:44:38 EST
"American Family has been friendly and efficient in handling all the details after my husband and I were hit from behind by another driver. They even covered the costs we incurred from a full inspection and repair of our brand new Kirby vacuum that was in the trunk."
Commented on 2010-08-28 20:34:22 EST
"They are the most unreliable Insurance company I have ever had a policy with. "
Commented on 2010-08-19 12:20:36 EST
"it is hard to speak directly with the agent himself. I also did not like dealing with one of the office staff. However other office staff members were pleasant. "
Commented on 2010-08-14 07:58:34 EST
"Insurance rates went up over $500 in 3yrs for homeowners insurance. Rates are raised based on credit checks; my wife and I are both students accumulating student loans, UNFAIR!!!!"
Commented on 2010-08-09 22:06:25 EST
"The agent did not write policy as directed, giving me $500 deductible on Auto rather than requested $100 deductible. Tried to convince me I needed to have all three auto policies with same deductible. This became a problem when I had a claim. Complained to agent, district manager and corporate but without remedy."
Commented on 2010-07-30 10:18:52 EST
"American Family is not a good insurance company when you need to file a valid claim on damage to your home. We had damage to our roof from hail. The damage was so bad that large amounts of water came through our ceiling damaging the inside. American Family denied the claim stating it was a maintenance issue. The reason for insurance is for situations like this. We are in the process of disputing are claim and will be changing insurance companies immediately. They are horrible to work with."
Commented on 2010-07-10 11:37:26 EST
"Denied twice on a roof repair, then they agreed to pay the claim, but I had 45 days to complete the work, being a contractor my self I did the work and they refuse to pay the claim. "
Commented on 2010-07-08 17:57:43 EST
"I am receiving notices from AmFam that my premiums are higher than their best due to my credit score. I do not know what credit score they are looking at but it is not mine. I have a high 700 credit score and subscribe to a reputable credit monitoring service so I know the exact score from all 3 agencies and what information it is based on. Most loan officers will jump at the chance and even do backflips to give me a loan. At this point I am looking for a new insurance company and the complaint webpage for the state insurance commisioner."
Commented on 2010-06-25 22:37:41 EST
"had claims MANY years ago, they fought me tooth and nail and tried to lowball me on my claim. I had a lighting related loss that was $150.00 for a phone and a computer modem...I had to bring the $30.00 phone to the agent!!!"
Commented on 2010-06-22 22:30:52 EST
"american family has been great to me never once have i had a problem with them."
Commented on 2010-06-22 15:29:23 EST
"rates go up every six months on my home and auto for the past 6years"
Commented on 2010-06-22 12:53:44 EST
"Customer service is terrible. Our agent is worthless and very unhelpful. Their 800 number does not return calls and emails are ignored. We have spent the past month trying to cancel our policies, only to get the latest...a bill saying our payment is overdue. Rates are very high...I was shocked when I checked other companies and their rates, we were paying over a thousand dollars a year too much for the same coverage. To add to my dilike of American Family Insurance, they sent a post card stating that they would be sending someone out at their convenience to photograph and measure our house so they could be sure we have enough coverage...give me a break. So even after we cancelled our policies we end up with some idiot from a company contracted by American Family taking pictures of our property...of course without our consent or permission. Worst insurance company I have ever dealt with."
Commented on 2010-06-18 12:25:50 EST
"Do not use! I have always used and recommended American Family Insurance to family as well as business associates but not any more. I had a small fire on 05/13/2009 in my home. The damage was mostly smoke damage...nothing structural. The process and the insurance company have been a nightmare ever since day one. The repairs to the home were delayed for months due to the company and the adjuster who would not make a decison or take actions to get the information needed in oreder for the contractor to move forward to make the repairs. Upon the completion of the repairs months later there still remained a smell of smoke in the home. This situation was address with the insurnace company as well as the contractor. The possition that the insurance company took was "I was on my own to work it out with the contractor" but due to the full payment to the contractor they would not do anything further. Now that is a year plus since the fire I am stil trying to get the contents paid for. I have had meetings with the adjuster, her supervisor all the way to the district manager yet no conclusion to the matter. I filed complaints with the state insurance board and still no responce to address this claim. I have always thought that American Family was the best out there but it is clear that Family is just part of the name, they have not treated me as family would. If you need insurance coverage look elsewhere..Do not use this company. "
Commented on 2010-06-11 11:49:01 EST
"American family does not care about your family."
Commented on 2010-05-24 10:05:21 EST
"Great company, very fortunate they are taking care of me!"
Commented on 2010-05-13 10:00:25 EST
"They replaced my agent with a new agent. All my policies were rerated and all the premiums were greatly increased. The new agent wants to rate my vacation home as a rental property with a commercial liability rider. Therefore raising my premiums by more than 200%. I was told this decision was made by the corporate underwriter. "
Commented on 2010-05-01 13:22:55 EST
"very bad company"
Commented on 2010-04-26 21:39:14 EST
"raised homeowners insurance considerably because of a minor error on a credit report which had nothing to do with credit. Excellent credit rating for 45 years."
Commented on 2010-04-21 09:05:22 EST
"Car accident in 2007, was promptly handled and with courteous and caring agents and staff. Thank you for making things better in a bad situation"
Commented on 2010-03-22 20:40:52 EST
"Water damage to kitchen. Went a month without any kitchen - no stove, no sink, no D/W. Never heard a word from the adjustor after initial walk-through. Called after 6 weeks and was given the run-around. Low-balling estimates and nickel and dime-ing every little detail. Estimates are not industry standard and they refuse to look at independent bids."
Commented on 2010-03-17 23:10:25 EST
"after 15 years with amfam. last year i head a accident on the highway i got rearended by an other driver so i call my agent to get a claim # wich i got but, when amfam.found out the other insurance was a non-standart insurance amfam. drop my claim because they knew they not get their money from that co. so i endup paying out of my pocket. 8months i recive a letter from amfam. saiying they are going to raise my premium because i am a busisness owner and use my car to transport my self from home to work now they told me that i need comercial coverage (so my question is how i supposted to get to work) even being a busisness owner we need a car to go to work i know from other people are swiching from amfam. to another insurance cos. they are just a bunch of crooks."
Commented on 2010-03-01 20:17:00 EST
"I called them to see how much if any discount we would get when replaced our roof. We were considering and did install a 30 year warrenty replacement roof product. I was told 25 percent savings on our preminum. The roof was replaced with the 30 year product and they only gave us a percent discount. Our agent seems disconected to our concerns."
Commented on 2010-02-14 09:52:46 EST
"Terrible Company to deal with. Only paid for 30% of the replacement value of my muffler because of "depreciation" This is not a totalindustry standard. Also, for a rental car to use while my car is being repaired they only provide rental for a low cost value car and not any type of car that is equal or at least similiar to my car. there customer service sucks, their attitide towards customers and others that their customers hit in accidents also sucks! "
Commented on 2010-02-09 15:29:03 EST
"The agents seem to try to do a good job. Company exc need to get on the same level as the working person."
Commented on 2010-02-08 20:19:56 EST
"Billing, billing, billing. Getting the farm, home and autos all to be billed at the same time is impossible. In effect, I am paying them to be inefficient and rude. All of the administration charges and other "little" fees is stupid. They should give a discount for paying a year in advance instead of working every angle to weasel another dollar out of their customers."
Commented on 2010-01-22 09:50:23 EST
"Takes three weeks for American Family to decide to total or repair a vehicle. Will not extend rental coverage."
Commented on 2010-01-22 09:34:47 EST
"They think they have rights and customers have none. Denied paying our home claim, saying we hadnt done proper upkeep. The home was less than 4 years old. Total fraud. Complained to state commission-their reply-client has been satisfied."
Commented on 2010-01-21 11:12:11 EST
"Company took forever to get claim filed and processed. Had to wait several weeks until I even heard news of whether my car was totaled and then another few months before a settlement arrived. "
Commented on 2010-01-19 13:05:57 EST
"They lie cheat and steal"
Commented on 2010-01-12 17:51:41 EST
"Every claim I have had for my home and auto has went through smoothly. My agent is and people in his office are friendly and knowledgeable. The rates I pay are very resonable."
Commented on 2009-11-30 13:39:49 EST
"This company is probably the most vicious and illegal(procedurely) i have encountered"
Commented on 2009-11-24 13:31:37 EST
"Agent never had time for us always wanted us to deal with the people he hired. They made several mistakes writing up our policies. Now I am looking for another insurance company. "
Commented on 2009-11-14 11:40:06 EST
"They were fast understanding and took care of everything for me. "
Commented on 2009-11-04 11:38:29 EST
" Over 30 year customer and had I known this company would be so difficult to deal with when we had hailstorm damage they never would have gotten our business...beware!"
Commented on 2009-11-02 08:53:26 EST
"Constant rate increases every 6 months! "
Commented on 2009-10-16 19:17:59 EST
"Please stay away from this company, we were with them many years and after our Robbery we were treated worse then the robbers that stole from us. "
Commented on 2009-10-14 12:38:01 EST
"Had an ice storm, roof extremely damaged, 3" branch went through the roof and several pieces of sheeting damaged, branches fell from 80" on the rest of the roof damaging shake shingles. they wanted me to patch the roof. i had to replace all shingles, they covered about one third of the cost. my neighbors on either side of me had theirs replaced covered 100% had another insurance company, mine had far more damage and were about the same age. very dissatisfied "
Commented on 2009-09-19 08:51:26 EST
"I was actually refused insurance by this company because I filed a $2700 claim with another insurance company. My furnace caught fire and I risked injury putting it out to save my house and the insurance company thousand of dollars more. Why would one get insurance if they are punished for using it? This company is greedy and I would stay far away. "
Commented on 2009-09-08 20:30:58 EST
"My agent is very responsive. However the claims adjuster was telling us one thing but taking his time in getting it done. Constantly making promises but not getting his job done until we went to supervisor and he stood up for claims adjusters behavior."
Commented on 2009-08-28 04:54:25 EST
"Our agent has been very helpful when there was a problem."
Commented on 2009-08-24 18:42:00 EST
"Great service, with good rates"
Commented on 2009-08-23 21:16:29 EST
"In the past three years my homeowners rate has gone up every year for a total increase of $350.00+ a year."
Commented on 2009-08-14 16:03:50 EST
"Do not buy health insurance with this company. Rate hikes are unjustifiable for value received. The company claims they pay $200 annually for preventive care if you did not submit a claim the previous year. I attempted to use the "benefit," as I had not filed a claim. It was denied because "I had not met the deductible." Go figure. They are crooks./"
Commented on 2009-08-04 16:02:45 EST
"Thier adjusters are crooks! Totaled my car and they are giving me $4,000 under KBB because they said they go my NADA who has a lower bluebook vaue. Yet all the used cars like this one are selling from $4,000 to $7,000 more than they are offering me. Why pay for collision if they are only going to give you about half of what the car is worth? Personally I think that they are in cahoots with NADA!"
Commented on 2009-08-03 14:08:51 EST
"Long story short, their adjusters are crooks. "
Commented on 2009-07-25 14:46:53 EST
"American Family Insurance has friendly and helpful agents. I am extremely happy with them."
Commented on 2009-07-11 10:36:24 EST
"had to file suit on bad faith"
Commented on 2009-07-10 23:34:17 EST
"They took great care of me after a fender bender. The adjuster called me the next morning and left a check at the body shop!"
Commented on 2009-06-22 17:35:08 EST
"A tornado went over the top of my house and badly damaged the roof. The adjuster would only allow $700 for a roof which should have been totally replaced. The neighbors had their roof replaced totally. The lowest estimate was $14000 to do the job. Both contractors who put in bids said it was ridiculous how the adjuster did his job. I asked for the claim to be be reopened and Amer Fam refused. They were very arrogant and insulting. They kept saying the contactor said the $700 was a fair amount. The contractor denies ever saying any such thing. My agent tells me one thing and the company another thing. It depends on who he is talking to. I used to work for an insurance company as an accountant and I tell everyone emphatically to stay away from Amer Fam. They are a bad company who will cheat you if they can. I have seen other companies who would do the same, but Amer Fam is the worst of them all. "
Commented on 2009-05-02 04:45:05 EST
"Extremely slow in claims response-claim revised at least 3 times"
Commented on 2009-04-27 11:57:21 EST
"After 15 years with AmFam and no claims, we received a letter stating we were being denied a lower rate because of our credit score. Upon calling my agent, he said "don't worry about it. You're already getting a pretty good rate." Then called the company and spoke directly to the woman who wrote the letter. She advised me to send for my credit score. So, we spent the money and got our credit score. It is 940! Called the AmFam headquarters lady back and she said, "Oh, we hire a company that determines who gets lower rates. They must have their reasons. Nothing I can do about it" What a sham. We're shopping for a new insurance company."
Commented on 2009-04-16 07:08:39 EST
"I have been with American Family for over 15 years with no claim. First claim they threw me under the bus!!! A stupid lawyer could have won this case. The lady had no insurance and they still settled. I think I should have at lease had the opportunity to hire an attorney,but they settled without letting me know. Why???"
Commented on 2009-04-13 13:06:33 EST
"the billing statement makes unwarranted demands payments that are incorrect and are not justified. No explanation. Arbitrary figure that has no basis for how they arrived at the figure. I have never had a claim and the insurance company kept raising the premium every year. Then they performed an audit looking for more ways to raise the premium. They found none. Then sent a demand letter for more money again. I canceled the policy and went with another insurance company - less yearly cost and then I received this unjustified inflated cost to cancel with American Family. Maybe some of the AIG staff has moved in with them"
Commented on 2009-03-29 00:25:14 EST
"We shopped when credit based insurance scores were recently released by American Family, turns out, every company out there utilizes credit scoring-- Solid agent, solid claims service...sounds like folks with credit problems are a little bitter. Don't borrow money you can't pay back--quit blaming everyone else for your own stupidity."
Commented on 2009-03-21 13:11:38 EST
"We had a water line break in our home while we were in vacation. A neighbor notified AmFam for us, and within hours they had a restorative team in to mitigate any damage done by the water, and promptly sent out an adjustor (who was very fair) when we returned to town. Everybody needs to perform their own due diligence and shop around, but we have been very, very satisfied with both the company and their products over the last couple of decades!!"
Commented on 2009-03-18 17:32:26 EST
"I had a septic backup in 2005 and Amfam referred a "preferred" vendor that stacked all of my septic saturated furniture in the corner of my basement and left 2 in. of septic in my furnace! The furnace blew the septic and bacteria throughout my home and contanamated everything including, furniture, clothes, pictures, anything pourous andmy kids coughed up blood for a week! We were deathly ill and were out of a home for a year that Amfam did not pay for anything!!! We paid hundreds of thousands of dollars to get back in our home and rebuild it, and getting my family healthy. They gave us empty promises the whole way. We have been in litagation for 3 1/2 years and the judge denied trial! After 22 depositions NOW amfam is suing us for over $150,000!! Bastards! Beware!!!! "
Commented on 2009-03-16 09:49:40 EST
"My wife was hit by another driver while we were visiting family out of state. We immediately called the American Family toll free claims number. Within 2 hours, our car was in the shop, we had a rental car and were notified that our deductible reimbursement to pay the body shop was being sent out the next day. Our agent was on top of following up with us and making sure the process went smoothly. We are very happy and impressed with our agent and our claims experience. "
Commented on 2009-03-09 12:16:36 EST
"American Family insurance refused to assess the damage on my roof when my city had the highest recorded windstorm in its history that caused severe damage to my roof. After 4 months of fighting and pleading to have a second adjuster view the damage, our city had the 2nd highest recorded windstorm in its history and further damage to our roof. Due to the open claim, the adjuster could not award damages yet cited pre-existing damages from the open claim that weren't awarded. Bottom line, I've spent $500 on preventive and temporary repair, filed 2 claims both at a $1,000 deductible and only awarded $1,290 for a repairs that are estimated from $5,500 to $7,000."
Commented on 2009-03-05 19:57:42 EST
"DO NOT GET THIS INSURANCE!!!!!!!"
Commented on 2009-03-02 11:57:27 EST
"never had to file a claim with AFI and always paid them on time for our policies. Now they sent a letter stating they are going to increase our yearly policy based on our CREDIT SCORE!!! This is not our financial institution, but an insurance carrier for our property."
Commented on 2009-02-16 21:15:05 EST
"Horrible company to have, using their own credit rating to charge you more money. Appalling! Watch out if you ever file claim they practically call you a lair, if someone steals your car and totals it. I am not kidding! "
Commented on 2009-02-13 10:29:12 EST
"They want you to pay them on time but they are slow to respond to your claim. Frustrated"
Commented on 2009-02-07 00:19:27 EST
"higher auto premiums than others when I checked recently"
Commented on 2009-02-04 01:10:27 EST
"I was over charged for quite some time when I finally looked into other insurance companies then they wanted to send me a refund for over charging. If I hadn't noticed they would have kept charging me. This is not a respectible way to do buisness."
Commented on 2009-02-03 07:04:34 EST
"Our old insurance agent was very helpful and worth the extra cost. Since he retired every encounter I've had with American Family has been a bad one. They are rude, either lazy or drag their feet, and overall a bad value. "
Commented on 2009-01-26 15:40:27 EST
"Our agent and his employees continually mess up our policies by submitting incorrect information. The billing system is horrendous and impossible to get corrected. It never used to be this way but we see it going from bad to worse. We have good credit so benefited from them implementing that into our rates, but don't blame others for objecting to this new procedure. I think we will be moving on from this company. "
Commented on 2009-01-12 15:52:21 EST
"They raised my homeowner rates by well over three hundred dollars for the year after I have NEVER filed a claim and have been a loyal customer for three years. My agent even told me I should shop around for a better deal. "
Commented on 2009-01-05 00:24:03 EST
"I have been with American Family for 12 yrs. Never had any claims on my home at all. Had one minor claim on my car from damage that happened on highway (metal poles fell off truck in front of me and struck my car) I now recieve letter from AMFAM that they are not renewing my home policy. Say that my sidewalk is crooked, and my roof looks weak. Will not even give me chance to correct these issues. Contacted my agent, he can do nothing for me. Thanks for nothing AMFAM. This is how I am treated for being loyal customer. "
Commented on 2008-12-24 12:08:58 EST
"Our auto insurance rates have been increased $20.00 a month every six months for the past two years due to alleged credit/insurance rating (because people with bad credit automatically file fraudulent insurance claims, right?!??!). Today, we received notice from the SOBs that our homeowner's is being canceled in February '09 because of our credit rating, and their top secret "home inspection" which allegedly found peeling paint on one side of the house, cat carriers on our DECK (there are NONE), weeds in our yard, and "mold" on another outside wall (again, NONE), and an oven in our yard (which just so happens to have been where our garbage cans are stacked -- gee do you suppose the oven was GARBAGE??!?!?!). In 12 years, we have NEVER, EVER filed a claim -- not on the homeowners, not on our auto -- not even when my husband fell off the roof of our motorhome and broke his back and shattered his heel. Yep, we're pretty poor insurance risks, all right. These people are dishonest creeps. I wish I'd searched for consumer complaints BEFORE we ever went to them for insurance."
Commented on 2008-12-23 19:32:54 EST
"I,m going through a claim right now and my agent is telling me one thing today and another thing the next day.So far its been like pulling nails with teeth.Very unhappy !!!!!!!! "
Commented on 2008-12-18 21:54:06 EST
"I've been with AFI for 15 yrs and have 2 cars and a home insured with them. I have never filed a claim, I've been in 2 minor accidents both not my fault. Both times I've called them to rpt the accident and to receive advice, they've told me to call the faultee's insurance company. It's as if they really can't be bothered and I get a quick brush off...the last time I called, she pertly said "...that sucks, call the other insurance co..." but they'll gladly take your money every month. They're also, raising the policy premium, again - based on the credit reports. I've never been late on payments...god, I could go on... This compay is ridiculus and there's no end to their greed. I'm switching companies next month... thank god!"
Commented on 2008-12-17 20:09:16 EST
"I have been with Am Fam for over 10 years and today received a letter that my rates are increasing 26% due to credit ratings. My credit is better now than it ever has been in the past, and I have never received a notice like this from them before! I'm infuriated and after an extensive internet search I'm pretty disgusted as this seems to have become a common problem with this company, and no one is getting resolution so I don't have high hopes. I have no tickets, no claims in 10 years...really no excuse for the letter I just received! Add to that their pet restrictions and I think it is past time I look elsewhere. I refuse to let this company keep stringing me along, and strongly disagree with the practice of raising rates at their will (and invisible excuses) to my peril. We as consumers do have options and I will vote with my dollar....goodbye AMFAM!"
Commented on 2008-12-11 20:25:04 EST
"Have had American Family for many years. Now have both auto and home. No issues with a couple of small auto claims. But twice have been denied a roof replacement for hail, in 2 different homes. In first case, everyone in the block got a new roof, except me, I only got the garage roof!?! Now, recently, had hail damage in May. They sent a very young, inexperienced adjuster, from the South to inspect the roof. I live in Minnesota. He says there is hail damage, my covered gutters look like someone took a hammer to them every inch or so. I can see it from the interior of my home. I have never seen hail come down so hard in my life. I lost hundreds of dollars of vegetation, it was shredded to bits like someone chopping a salad! Now they say I should do a "roof repair" in a patchwork of shingle fixes here and there on every slope of my roof. That will do even more damage, not to mention making my roof look like checkerboard. My contractors said no one in their right minds would do a repair like that and warranty it. I am still fighting with claims, and now it's Dec., and snow is flying, so I'll have to wait until spring for a "reinspection." What a joke. No one recommends a roof repair like that. Claims through the catastrophe center are a nightmare. My own agent has been helpful and supportive, as well as reponsive, but he is not involved in this claim process. Good luck, when you have a major claim, like a roof. Probably will change insurance companies."
Commented on 2008-12-10 19:35:41 EST
"An adjuster should be on the side of the policy holder not the contractor. This was not the case in a recent homeowners claim we had. In addition, we got no communication from our company even after having issues with our contractor. We did not receive estimates without begging and after the final estimate came through, it included things that were not done even after we told the adjuster they had not been completed...sound like something is wrong with that? We think so. Avoid American Family at all expenses."
Commented on 2008-12-08 20:23:14 EST
"Our Agent is Great, very friendly quick to return our phone call. We've not had any problems with AMFAM however we haven't filed any claims in the 2 years we've been with them. "
Commented on 2008-12-05 10:01:43 EST
"Despite no claims and a clean and clear MVR American Family raised my rates 27% due to credit scoring. After five years of being a satisfied customer and recommending AF to many friends and relatives, I found a new insurance company with a very competitive rate. AF completely mishandled the rate increase and only served to bring out my anger and soiled our relationship. They lost a loyal customer and I no longer share the good will that I used to enjoy with them. In fact when the opportunity presents itself I spread exactly what they have sown with me. Their CEO's are too money driven and short sighted to know how their policy's are angering their customers. Boycott American Family and send a message to these money grubbers."
Commented on 2008-12-04 01:42:23 EST
"My entire family was with American Family for almost 20 years. We have 6 cars in our household and all of them were insured with American Family until recently. For the first 10 years we had a great agent who always made sure we were treated right. My mother's house was also insured with American Family as well during this period. I also had business insurance policies with American Family. Now in the past 4 years we've had 4 different agents, none of them were anywhere near as good as our first agent who retired. None of them were helpful with anything other than paying the bill. Our original agent was great at getting their woeful claims service to actually do something. Once he was gone we were left on our own. Poor contact, rude treatment on claims that weren't our fault. In one case where I was rear ended I received better treatment by the defendant's insurance company than I did with my own. The last straw was their new policy on adjusting rates according to credit score. I don't care what the industry trend is. This is flat out wrong. When you have a good-paying long-term customer you don't just jack rates because their credit card balance happened to be too high around renewal time. I don't think it's right to do it for employment either. Bad credit doesn't mean your a bad person. I happen to currently have credit scores well over 800 but I'd hate to think that should a bad period come up it would only be made worse by my insurance company "piling it on" It's as bad as that BS universal default that credit cards like to use to cancel or jack your interest rates. The last straw was when my rates were jacked up over $250 on my last renewal. No claims, tickets etc either. No bad credit. I think they just wanted to get rid of me. So in summary poor claims support, high agent turnover and arbitrary rate practices finally got me to dump them. I understand how insurance works and why it's necessary in this day and age. What I don't understand is how you can alienate your good customers who happily pay your premiums."
Commented on 2008-12-01 01:58:41 EST
"It is pretty bad when you are with an insurance company for 20 years and your agent still doesn't know who you are.The only thing that I had ever claimed prior to the one I will state later, is a windshield in a car. I had recently filed a claim on 2 household computers(one laptop, one pc), that had been damaged by lightning. American Family placed them under a single claim. After they depreciated everything, and took out my deductilbe, they left me with squat to replace both computers. I was able to replace the laptop with the supposed reimbursement for both computers. I was told they would pay me for a third of the cost, even though I was told that they would cover the expense. They also sent me a letter telling me that I would be getting a better rate if my credit score was better. My score is well over 700. BOTTOM LINE - DON'T TRUST AMERICAN FAMILY! I have been told by several other (now former)customers, good luck getting any claim for anything with American Family. I live by the world headquarters, and your money is goig to pay for the multi billion dollar facility they occupy!"
Commented on 2008-11-30 17:12:13 EST
"This company continually changes your existing policies to benefit themselves, at your cost. Any and all claims are dragged out for months - 3 to 6 months on average, from my experiences. DO NOT UTILIZE THIS COMPANY. You will regret it."
Commented on 2008-11-21 22:18:10 EST
"Check other companies--this company will continue to raise rates without any, any, any claims even after 8 years with them. Found 5 companies this morning that will save me anywhere from $400-$800 per year for auto, home, and umbrella. I even talked my parents into looking around after over 20 years with these scam artists."
Commented on 2008-11-18 22:46:22 EST
"I was in an auto accident,I was a passenger,the driver was underinsured and so was the driver of the vehicle that hit us. I had no choice but to go to my own insurance co for a medical claim and perm. damage to my back. American family responded with, "we believe that she has been paid enough." This after listening to the phone message about how caring their company is. I now have an attorney and am in the process of attempting to collect the difference so I might take proper care of my injury. Of course who gets most of the money? The attorney. What a caring co."
Commented on 2008-11-18 12:57:08 EST
"Homeowners policy is restrictive when it comes to pets. I won't conduct business with a company that denies coverage based on the breed of dog you own. I don't think that an entire breed should be condemned based on what is most likely the fault of a few irresponsible dog owners. I'm off to find a pet friendly insurance company, even if it's on principle alone."
Commented on 2008-10-23 08:17:08 EST
"I forgot key in my car and have tow service open, I brought the claim to American Family Insurance, after that claim, they send me letter said that they will check my credit report to suite charge my policy, Im not satified with this, I pay monthly $450 for 3 cars that I have insured with American Family for years, after only one little claim for the key worth $49.00 , they want to check my credit and increase my premium, not recommend at all, I will start looking other insurance company now."
Commented on 2008-10-19 00:03:47 EST
"I recently filed a claim on my home, I received a call from an adjuster within 2 hours of reporting my claim. The check was mailed out that day and my agent called me the next day to ask how my claim went."
Commented on 2008-10-14 19:24:57 EST
"very helpful with claims, especially when fighting for payment from liberty mutual and their lousy claims representatives!!!!!"
Commented on 2008-10-09 10:18:01 EST
"I have been with American Family since 2001, I have had multiple claims on auto and also rental vehicles and have never had an issue with the company paying. I have also relocated to another state and find that this agent handles everything like I have been with him as long as my past agent. Great company, competive rate, perfect customer satisfaction. What more could you want in an insurance co?"
Commented on 2008-10-08 15:40:32 EST
"I usually haven't had many problems, but once my rates went up $45/mo because I didn't have Excellent credit (I think I was in the Good category) I started looking elsewhere."
Commented on 2008-10-08 13:53:49 EST
"We had a fire and American Family was not helpful at all. Colluded with contractor and did nothing when the contractor failed to complete the job. They made unsubstantiated accusations and then dropped us. They like it when you pay your premiums and that is it."
Commented on 2008-10-06 12:06:51 EST
"adjuster very incompetant, upper management were not understanding or had any clue. Total disaster....."
Commented on 2008-09-30 19:13:42 EST
"I agree with what others have said about their agent with Am Fam. Ours is great to deal with but the company sucks. Last year when they went to credit checking on EVERYONE, including existing (and loyal)customers, our homeowners premium went from $374 to $570. They only looked at our credit score, not the amount (or lack there-of) of claims filed in the 15+ years we have been customers, and determined that because our credit is bad that we are more apt to file a lot of claims. Then we had ice dam damage in Dec. 2007 and had to file a claim. Well, guess what, our premium is now 856.00. Needless to say, I have now received quotes with another company that are what our premium used to be; $373. We are switching. It is too bad because we really like our agent and the fact that she is right in town and I even consider her a friend. What is the point of having insurance if filing a legitiment claim is only a strike against you. I don't know who came up with the saying "insurance is only as good as your agent". If that's the case, I can't afford my agent anymore."
Commented on 2008-09-26 19:18:52 EST
" Very bad company to do business with, I have veen with this company over 12 years, A storm hit my home I lost everything got over 7ft.of water they did nothing for me. I carried sewer backup and they still told me I had nothing coming."
Commented on 2008-09-22 13:12:02 EST
"I was hit from behind by another driver in heavy traffic. the other driver said I stopped suddenly and caused the accident. Well, of course I stopped. The cars in front of me were stopping, too. American Family would not pay the claim for the damage to my car. It took two months for them to decide. They are the worst insurance company I have ever been associated with. Never, ever waste your time with them."
Commented on 2008-08-30 02:12:56 EST
"I have read the comments from other clients of American Family and My story reads the same. I have been a customer for over 30 years and never had to make a claim till this year when a tornado went through my neighborhod. They have sent out 2 adjustors and still refuse to pay the cost to have my roof fixed. I live in a townhome and our roofs all have to be fixed by the same contractor. I have spoke to my management company and several neighbors who have different insurance companies and they have all recieved their checks for repairs without any problem. My agent is of no help and I have spoke to several different people but all you get is a run around. I can only believe that the "people" who are making good comments about Amfam. are employees of the company who are being paid to post thses comments. What a Horrible company!!"
Commented on 2008-08-29 09:29:29 EST
"Met with our AMFAM agent who explained that we have excellent credit but because we live in AMFAM's "retirement territory," our multiple vehicle rates were now being increased by $22 a month. We have had no at-fault auto claims, etc., whatsoever with AMFAM, nor any homeowner policy claims. Our agent could not get a satisfactory, logical explanation from AMFAM corporate for this increase. We are dropping AMFAM, as we believe this is yet another for-profit, thinly veiled method of getting around their previous, now outlawed "red zoning" practices previously litigated against AMFAM in class action lawsuits. Insurance companies need to be under more aggressive federal and state watchdog commissions to address and stop these outrageous punitive practices that serve only the insurance companies' bottom line: profit at the expense of consumers. This is blatant discrimination based on an age group."
Commented on 2008-08-12 18:29:58 EST
"insurance company is offering me $1610.50, which is even less than the fair real current market prices from Autotrader.com, same model, and same conditions. The current price of this model and same condition in Cleveland near my house is prepared: between $5000- 6000 plus tax. "
Commented on 2008-08-05 22:15:16 EST
"Excellent company, excellent service."
Commented on 2008-07-25 19:26:35 EST
"My local Agent was good to deal with, no problems with her office. American Family the corp. is what I am not happy with. I had two cars , a boat, a motorcycle and home owners policy with them for over 10 years. the first few years was ok, then they stated to raise my fees on all my policies, $20,$40 $80$100 and up and up. I had one claim with them on my son's car, hit a deer. they did cover that without to much trouble, but rates kept going up. I finally chaged to Erie Ins. Co. have alot better coverage and cheaper rates and lower deductables, when I canceled with American Family, I had found out that they did not have my new boat that I had bought over a year ago on thier records, they were still showing coverage for my old boat and were billing me montly out of my checking account for all my policies so I had not noticed that the did not switch the old boat to the new boat, thought they did casuse the monthly rate kept going up. Anyway I did not have any claims with them on the boat but when I canceled my Insurance the backed billed me for the difference in the amount of the boat policies, it was there mistake, but I said I would be fair and to tell me how much it was. when they sent me a bill for that, they also billed me for the motorcycle insurnace cause of a rate clause in their policy that say's that if I cancel it early then they can charge me a different montly rate then if I would have carried the policy the full year term. so they are charging me an addidtional amount for each month convered before I canceled, almost doubled. I know it sounds confusing and it is, but this how the treat their customers, they don't really care, it's all about pinching every penny out of you they can. "
Commented on 2008-07-23 14:14:05 EST
"If you like having your rates jacked up every year and getting absolutely RUDE service, then this is the company for you!"
Commented on 2008-07-09 16:14:07 EST
"Would not recommend this Insurance company to anyone after experiences over past 5 years.Have been with this company for almost 15 years..filed one small claim about 10 years ago which didn't amount to much so there wasn't a problem. After that though they would continously come up with reasons and ways to either raise my deductible or my premiums..A year ago we experienced hail during a storm..every one of my neighbors were qualified for roof replacement by their insurance companies..I was denied by American family...at the same time they also were raising my homeowners premium because my credit rating wasn't quite as good as they said it could be?...I've had perfect credit rating for past 10 years with no complaints from anyone else?....Had same problems with Auto coverage...I had perfect driving record with no accidents or claims over 20 year period...last year I had accident not involving another vehile...they paid for the repair but immediately raised my insurance rates dramatically....I've had a number of vehicles insured with this company through the years and have had nothing but problems with them trying to either raise my deductibles or premiums every 6 months...having to constantly complain or renegotiate until they'd readjust rate to where it was previously...can't take it any more and will be changing companies soon...as a matter of fact I've already found a company that gives me more overall coverage on all my vehicles and saves me over $900.00 / year over American Family...smooth talkers..don't let them con you like they did me!!! "
Commented on 2008-06-22 09:33:01 EST
"I live in Wisconsin and we have been hit with 10 inches of rain so far in the month of june 2008,needless to say my sump pump faile me,which resulted in my basement flooding with about 2 inches of water.it is 2 weeks since and they still haven't been able to come and survey the damage.they are a terrible company stay away from them,and my local agent is no help and very worthless he refered me to the 1-800 number what a joke."
Commented on 2008-06-20 09:44:32 EST
"We had bad ice daming this winter which caused roof and interior damage to several rooms in the house. Adjuster came out in December and cut a check for $2600.00, and told us if when spring came we discovered more damage then we simply needed to submit the estimates to get paid. When spring arrived I got estimates and they totaled over $20,000. I Faxed in the estimates and they sent out another adjuster and he came up with an additional $6,000. Why do we bother to get estimates if they simply ignore them. If American Family knows a contractor that will do the work for the money they have alocated then they should supply us with one. I don;t care who does the work so long as it is done right. 2 homes, numerous cars and motorcycles, and 14 years later and they just don't seem to care. I am going to go to the local news media if they do not get this issue resolved."
Commented on 2008-06-04 22:31:58 EST
"Just had a major storm blow though our area. Most homes in our neighborhood have severe siding and roof damage. Adjuster looked at my damage and made the comment that it's not as severe as most peoples and it looks like "old damage" from a previous storm so my claim will probably be denied. Also he stated that only so much money is allocated per storm so there's only so much to go around, sorry. After 15 years with this company I'm through!"
Commented on 2008-06-04 06:48:54 EST
"I have had all my insurance with American Family for 13 years with no claims EVER and recently I had some major storm damage that included hail and high winds that ripped shingles off my roof and dented the siding. The claims adjuster came by today and told me that my claim was going to be a little over $600. It sure is funny that all my nighbors have had both the siding and roof replaced and mine has no $600 worth of damage."
Commented on 2008-05-20 18:37:12 EST
"Recent homeowners policy rate increase (Apr 08) prompted me into investigating other companies and found higher rated insurers (consumer satisfaction)at equal or lower cost for both homeowners and auto insurance."
Commented on 2008-04-17 11:34:06 EST
"They raised my premium by 55% and I did not make a claim."
Commented on 2008-04-01 19:58:41 EST
"They are using a credit report as justification to increase my home owner's premiums even more than they usually do. Can't wait for my auto premium notice. Last year I had a dispute with a hospital over some medical charges. The hospital ended up sending the unpaid balance to a collection agency. After numberous discussions with the hospital billing department, they realized their error and adjusted the bill down to $60 which was immediately paid. American Family just sent me the notice of the increase because my credit worthiness is suspect. What a line of bull! The home owner's policy is paid from an escrow account - they will always get their money. I have been a homeowner for 34 years and have NEVER had a late payment, as document in all three credit reports. I have been with American family for over twenty-five years; currectly have two houses; three cars and an umbrella policy with them. I will not renew any of these policies!!!"
Commented on 2008-03-31 13:07:10 EST
"cost is high compare to ameriprise insurance"
Commented on 2008-03-29 11:38:50 EST
"Please folks, heed the messenger: I was involved in a serious crash back in 2001, the then teenage driver was also insured with AMFAM, and I am here to tell you: AMFAM will only screw you and if possible never, and I mean "NEVER" pay you for your damages. I had to take the company to a full trial in Dec 2006, won and here we are today March 2008 and I have not been paid one penny from AMFAM......I am now seeking Bad Faith against AMFAM, I strongly suggest seeking out coverage with anyone except AMFAM........ "
Commented on 2008-03-17 11:25:04 EST
"With American Family over 15 years. Had one small claim for 1500.00 denied, when water heater blew while on vacation trashing living room. Had larger claim for hail damage to my roof, sgent lied, adjuster lied, finally won in arbitration and then watched my rates almost double. RUN from this company...!!!!"
Commented on 2008-02-26 22:35:41 EST
"Never had a claim, but my agent doesn't seem to be very knowledgeable."
Commented on 2008-02-20 20:01:56 EST
"i am still waiting for return of my deductible after 2 years. very poor return phone call rate on claims. very poor advice from agent."
Commented on 2008-02-09 12:03:28 EST
"Every year they neglect to file the record of insurance with my mortgage company, causing me to do round-robin calls between them every July."
Commented on 2008-01-31 10:50:50 EST
"insurance is a legal scam"
Commented on 2008-01-29 14:12:02 EST
"They are using credit report information to determine your premium. I don't think that is ethical. People that are sick, layed off from their jobs, and otherwise screwed by corporate america, don't need to be bayonetted further due to hard luck. If an analysis were done on their methodology, I'm sure you will find that it unfairly punished poor and disabled folks while the rich pay the least. I think that premiums should be based on your personal habits (smoker, drinker) and driving record (if auto)."
Commented on 2008-01-25 17:55:33 EST
"I signed up with AmFam 15 years ago for an auto policy and recommended them to my parents for thier auto and home polices. Once my parents signed up with them I started to receive monthly premium invoices for their cars and they received mine, but not every month just every other month. We only share the same last name, we have different addresses, I a only one covered on my policy an my mom, dad and sister show on a totally different policy. I have no idea how they messed that up. I finally got so fustrated after they said they would correct it but never did and I cancelled my policy with them. My parents kept with them. 9 years ago my fiancee and I purchased a new home and decided to try it again with the same AmFam agent so we signed up both our cars and our home policies with her. All were signed up at same time but premiums were due on different days which was a pain, but price was best around. 2 years later I was going through rough financial times and circumstances arose where I deeded my home into my fathers name. So policy was amended showing my dad as insured but kept my fiancee as an additional insured and the policy was written as a rental instead of owner occupied being my father had his home covered with them already. The premium was increased due to the change of being a rental property. A year later I put a new mortgage on the home and deeded it back into my fiancee and my name and the balance of the years premium was paid at that time there was 2 or 3 months left to be paid for the years premium. So the policy was amended again back into our names and added mortgage company as mortgagee and was to show as owner occupied and no longer rental. With it no longer showing as a rental the premium should have been lower as it was before so I tried to contact them to see why it wasnt lowered. I tried calling and leaving messages, I sent faxes and sent emails and no one contacted me for two months at which at that time I found out that they did show the new mortgage company on the policy but they also were showing my fathers name as an additional insured, which he was not. They did show the mortgage company correct but they were showing the my mailing address as my parents my parents address, which the mortgage company did not like since the home was to be owner occupied and they did not like seeing my father as an additional insured which he was not and to top it off they sent the mortgage company the bill for the new premium, which was not to be paid by them either. Needless to say the mortgage company almost called my loan in full since all this information was not showing as it was supposed to be. I had to call the corporate office and complain about it and complain about agent not calling back about premium amount not changing. I wanted to know who was getting screwed? Me for paying an amount equal to a premium for a rental, but with less insurance coverage? Or my dad who paid for more coverage but didnt get it. The corporate office said agent would contact me with explination and have information corrected as it should be. Well I did receive the corrected information and sent it to the mortgage company but didnt receive a call from anyone with explaination. But soon after I did receive a letter from AmFam telling me my homeowners policy was cancelled. With all this mess going on and with the wrong mailing address showing and not corrected as requested two months earlier I never received an invoice for the new annual premium. I went into the office and went off. The agent reinstated the homeowners policy right then and there. BUT the next letter I get from AmFam is telling me my homeowners is increasing due to a credit report that was pulled when the NEW(?) homeowners policy was reissued as one is pulled all the time on new policies issuied. It was cancelled one day and reissued on the next and it was due to thier error. I am preferred client, or so I was told! I had muiti policy discounts and was an existing client for 9 years and there were no changes on policy and only 1 windshield claim and 1 towing claim have ever filed and it was one day to the next and they pulled my credit report and had to raise my premium because of their ignorance? I HATE MY AGENT! But I havent found a company that would beat the price. I did contact another agent to see if I could transfer my policy to him to be my agent, he was very very nice called back right away and said he would see if it was possible. He called back right away and left me a message stating it would be possilbe but he asked if I would call my agent first and let her know I would be requesting the transfer. He said I might want to see if she would have me give her another chance or even appologize to me and explain what happened or if I prefered he would do it for me. I called him back and left a message for him stating I'd rather not ever talk to her again if I didn't have to and said would appreciate if he would take care of it for me. I NEVER HEARD FROM HIM AGAIN! I am still with the agent I hate but am contemplating on whether paying the quite significant amount difference is worth all of this or not. The premiums amounts for me have been quite lower and both the windshield claim and towing claim were issuied immediately the day after they were filed, but the customer serive by my agent is very much to be desired and that's not even writing about the automatic payments that were set up for the auto and home premiums or should I say the automatic payments that were NOT set up! I HATE MY AGENT!"
Commented on 2008-01-17 02:03:20 EST
"After an ice storm with both roof and contents damage, I am getting the run around from three different adjusters. Different things are being requested and no one has a standardized protocol. In fact, I'm being told they will depreciate my things until replaced when sending out a check. I don't have the resources to go out and replace all the things damaged or destroyed by a power surge and leak. Ugh!"
Commented on 2008-01-10 18:44:16 EST
"We have had an exceptionally terrible experience with AMFAM. While on vacation in Texas, I struck a deer that ran into the road crippling my vehicle. This left me stranded in Texas. I tried to call roadside assistance, this was all automated and very unhelpful. I sat out in the 40 degree weather with my 2 young children, in the pitch black, hoping not to be stuck by oncoming traffic until the local police arrived. They were the only helpful people that we have met so far during this whole ordeal. I have tried to find out what is going on with my car multiple times, and I am ALWAYS transfered to someone's voicemail. One person told us that we were going to have to do "a little extra leg work" to get this taken care of. I am sick of leaving messages on voicemails and not being able to talk to a real human. I do not pay monthly to do "extra leg work." This is why I pay my insurace bill monthly. Every person we have spoke with tells us something different or that they can not answer our questions. We were first told that our car would be shipped back to Las Vegas to be fixed. Now we are informed that will not happen. We spent $900 on plane tickets to get home, to return to work , and now we are told that we have to somehow find a repair shop in TEXAS, when we live in LAS VEGAS, find the time off work and school and the money to fly back to Texas to pick up our car and drive ALL the way back to Las Vegas. I thought that the reason that I have insurance is so I don't have to go through all of this. And, I thought, that for sure, with the trusted name of American Family Insurace as my company, I would not have to worry about my vehicle since I have since December 31st. This experience has brought me to the conclusion that American Family Insurance is not "the most trusted and valued service-driven insurance company," as your mission states. DON'T USE THIS COMPANY!!"
Commented on 2008-01-07 20:00:30 EST
"I was pressued into accepting a low settlement for an accident that was not my fault. Basically they told me accept what they offered (far below book value) or wait forever."
Commented on 2007-12-14 14:30:38 EST
"This company increased my premium by 30% this year in spite of the fact that I have been their customer for over 20 years, have always paid my bills on time and have not filed a claim with them in over 10 years. I will not be renewing due to the unfair premium increase."
Commented on 2007-11-27 00:02:31 EST
"This company doesn't want to help anyone they just want your money."
Commented on 2007-10-31 10:50:21 EST
"Great company w/ nice people.. right up until you need them! My agent from them was fantastic, the claims guy on the phone was great too. Yet, I am changing company's after dealing with the claims adjusters. The guy was horribly unprofessional, down right rude, threatening and impatient. The company stalled paying for over 3 weeks. I almost sued them for bad faith until a manager stepped in and paid off the claim. I had to hire a lawyer before they paid. In the end, damage to my car cost $6000 and they paid $4000, I would ask for the rest of money, but it's just not worth fighting with them over $2000. Good Luck, Jason"
Commented on 2007-10-30 17:57:25 EST
"Insure home, 2 autos, 2 motorcycles. In almost 20 yrs of combined insurance....2 small house claims...each under $300. One deer/auto less than $1500 and one auto comp claim for under $600....rates keep increasing, our driving records are excellent. What gives ? Agent is ok, but just wants to sell "more coverage". Why? Disappointing to be a good driver/insured w/no kids & our rates keep raising - obviously, very little in claims and yet consistent increases. Afraid to switch as we have had WORSE service. (Don't even mention Allstate). Is there any hope out there? Thought being a good responsible driver was supposed to have rewards. ????"
Commented on 2007-10-09 17:43:43 EST
"Love my agent, hate my ins. adjuster. Had severe water damage, policy covers me to replace at current pricing. Adjuster said they'd cover everything. Gave me a $12,000 check right away and told me to submit quotes for the rest of the work needed to be done, and more money would be "no problem". The total of repairs is about $27,000.00, which comes to $13,000 additional which I need because I can't start the project without it. The few times she answered my calls her response is always "Don't worry,additional money is no problem. I didn't know your damage was so extensive when I cut the check and did the estimates. We'll give you what you need. Go ahead and get started." My damage is such that I can't get started unless I know that the additional funds will be here. She hasn't returned calls or come up with any money and it's been a month since the initial check. She hasn't even come back to see the additional damage that was discovered. My floors were all pulled out, my walls are all cut into. I have asthma (which I told the adjuster) and the dust and dirt is making my asthma worse. I'm living in terrible conditions, most people would have gone to a hotel and stayed put until the repairs were finished. But not me. No, I wanted to be considerate of AM FAM. I didn't want to "take advantage" of them. "We're here for you. We'll take good care of you" they all say when they want to sign you up. But the real truth is in the results. Right now I'm very close to contacting the insurance commission in Washington state where I live. "American" Family is a bunch of crap. The very name is an insult to America."
Commented on 2007-09-27 18:44:46 EST
"This is the first time that I've heard that we have to pay a separate premium for our trailer on our commercial policy. Do all insurances make you pay for a trailer? I thought a trailer would be considered an extension of your vehicle. Any comments, suggestions???"
Commented on 2007-09-26 12:51:38 EST
"I have had insurance with American Family for almost twenty years. I am now paying premiums for five cars, two houses, a boat and a motorcycle. When my son came home from serving in the Army overseas, he found an excellent sales job that gave him a $500 monthly allowance for a vehicle, so he bought a nice car. Since he didn't have much credit history I had to co-sign his loan. This lowered my credit rating, which American Family used as an excuse to jack up the home owmers policy on my two homes $700. This is the reward you get for raising children who serve their country and come home and get a nice job. American should be removed from their name. Like most of the other respondents here I loved my agents. Most of them quit because they don't like corporate, but I have been with this agent about seven years and my only regret in leaving is I will miss my agent."
Commented on 2007-08-21 21:17:07 EST
"I was hit by a driver with a small amount of isurance (25k). Her insurance company was Natiowide - I injuried my left wrist to the point where I need surgery because I'm now limited in my ability to use it and it's my dominate hand. Nationwide paid me the full $25k quickly and I then began to talk with American Family regarding my under insured coverage. I had racked up about $12k in medical bills already and the surgery is going to be another 15k+ after everything. Well after almost 8 months of "reviewing" my case they have determined that it was pre-exisiting and that they're not going to pay anything including my medical bills coverage. So I now have a lawyer (family friend) that can't believe that they didn't make any sort of offer. I've never had a claim and I'm changing insurance companies now because I also have about 2+ million dollars worth of insurance with them and if they don't pay claims why have it?"
Commented on 2007-07-27 14:36:03 EST
"I believe American Family is mishandling its approach to using credit bureau information to set premiums. We recently were notified that our premiums would go up due to our credit report findings. Further investigation showed that American Family used the wrong social security number when securing the credit report. This resulted in wasted time and effort on our part. We didn't bother to renew - we sought a new company and actually ended up paying only 60% of what we were paying with American Family. "
Commented on 2007-07-06 12:19:54 EST
"For not meeting our agent since we moved to a new location, he is very customer service oriented over the phone. Prompt and follows-up with a phone call after a claim has been filed. Claims have been prompt. "
Commented on 2007-07-03 12:08:21 EST
"While my American Family agent and his staff have been excellent in handling all my insurance needs, including quistions and my agent's staff are just as helpful, their claims department is horrific to deal with. I recently had to notifiy AmFam that my husband had and accident (on 4/3) and as of May7 I am still trying to fully investigate and handle the claim in good faith. At present I have spoken with not only most of the American Family Claims Department's managers, supervisors, and regional managers, I have also have had to speak with the American Family Corporate Headquaters Claims Dispute/Complaint Department (all the way to the top of that department), and am now having to deal with their VP of General Operations of Claims. As of yet, there is no resolution in sight, only inconsistancies in their personnel's statements regarding the bad faith handling of claim, excuses/ambiguous answers, and each individual I speak with tells a different tale of how my claim was/is being handled. I have been with this company for more than 15 years and as a result of their Claims Department I have begun to seek out a new insurer."
Commented on 2007-05-07 21:31:19 EST
"great rates, excellent agents, but the claims side of the company low balled every claim I have had and I havent had very many concidering how long I have been with them. They may pay better if it's a bigger claim, but they are not fair with the smaller claims."
Commented on 2007-02-14 11:52:16 EST
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