AAA Home Insurance

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AAA Homeowners Insurance denial of hail damage to the roof
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DEARBORN, MICHIGAN -- We were hit with a hailstorm in our neighborhood in April of 2010. All our neighbors that claimed damage, including my next door neighbors, in every direction of our home received new roofs or are approved by their insurance company due to hail damage. AAA came out to our home and told us our roof was spared by this storm. We contacted 2 roofing companies and both of the roofers said, "AAA needs to pay for a new roof. You have hail damage on the roof including vents and gutters!" We pay them homeowners every year to insure our home, and the first time our home is damaged they come out here and tell us they will not pay for it. AAA is blatantly and fraudulently denying my claim for hail damage to my roof in spite of overwhelming evidence of such damage. AAA admits I sustained hail damage to the thick metal vents on my roof. They have even offered few hundred dollars for "repairs due to hail damage." However, according to AAA, the hail was very selective. While it damaged my vents, it did not damage my shingles. I have submitted to AAA an estimate from a reputable roofing company in this area which estimates assert that the damage to my roof was caused by hail, but AAA denied my claim. AAA clearly under priced everybody in the market when I switched from Farmers Insurance, but people often miss the point that they are very difficult to deal with when the need arises. To anyone considering AAA homeowners insurance. Let the buyer beware.
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Venice09 on 10/08/2010:
That must have been one heck of a hailstorm for all your neighbors to get new roofs. I would think repairs would be more in order. Did you get an estimate for repairs and submit it to AAA?
nikolaius on 10/09/2010:
Yes I submitted an estimate to AAA but they only covered the vents, which were the old type thick metal ones.
Venice09 on 10/09/2010:
If you are covered for damage due to hailstorms under your policy, then I think they should pay for all repairs minus any deductible.
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Membership Required
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MICHIGAN -- After over 10 years with AAA, we are leaving. This year, I decided not to renew our membership as money was tight and we only used tow service once in 10 years (never used trip advisor). We received notice of cancellation of our home owners insurance followed by cancellation of our auto insurance because we did not renew our membership. When we called AAA, they stated that we must have membership to obtain insurance (which I will check with our Attorney Gen. for legality) and they didn't care if we went somewhere else.

Lose over $3000 in premiums over $50 membership? Poor business to me. Maybe they can join GM in their bankruptcy.
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tnchuck100 on 05/11/2009:
The bad part is when you apply for new insurance one of the questions they ask you is: Have you ever had insurance canceled? You answer YES and now you are in a higher premium bracket. The system sucks. Big business will do its best to destroy you at every turn.
jenjenn on 05/11/2009:
Call Travelers...they have amazing rates!
rudybjr on 05/11/2009:
It doesn't sound legal unless you had a discounted AAA rate for your insurance premiums.
spiderman2 on 05/11/2009:
If AAA is a membership program and you chose not to be a member, then it makes sense that you don't qualify for their benefits anymore. IT would have been nice for them to warn you that you wouldn't qualify for the insurance before they dropped you, but I'm sure it is somewhere in the paperwork. You can turn around your claim that they lose your business for $50 and say that you lost all the benefits for $50.
Anonymous on 05/11/2009:
It's entirely possible (and likely) that their insurance charter only allows them to issue insurance to their own memebers. Similar to the way a credit union works.
Anonymous on 05/11/2009:
Best Answer, spiderman2!
tcpmcclure on 05/11/2009:
Thanks for all the above comments. I still think they are making a poor business decision, especially with the financial climate in Michigan. Lose $3000 in premiums for $50 membership from someone who has had NO claims in 10 years. Allstate will match their premiums and no fee. My choice is easy.
Former Dell User Now Dell Hater on 06/05/2009:
The problem with businesses all over America is decisions are being made by idiots who truly believe that it's better to cancel an insurance policy than spend the 50 cents it costs to contact the former member to let them know there is a consequence to not being a member. Technology has been great, but it does not connect all the dots, and the money that falls through the cracks as a result is what is causing the decline in our economy.
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My Homeowners policy just increased 30+%
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Last week I received my declaration for my policy for 2010 and noticed it went up roughly 32% from last year. WTH??? So I called AAA and got a scripted read to me about a new rating tier being used. After asking what the changes are and why my insurance has drastically went up, I couldn't and still have not gotten an adequate answer. Ughhhh I can't believe this. I have EXCELLENT credit, no claims, etc. Shouldn't I be getting the best rate possible? Time to go where I will not be penialized for a company making changes to screw their customers.
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Class Advocate on 12/21/2009:
Here is one of the odd things I have noticed about my homeowners insurance and auto insurance: The longer I have the insurance with the same company, the more likely it is that my premiums will increase or at least I can get a better price by seeking a second quote. I am not sure why, frankly. Maybe these insurance companies baked an inertia factor into the pricing of premiums. Get a second or third quote and you may well get a better price.
Anonymous on 12/22/2009:
Just start shopping around for a cheaper premium, then call AAA and tell them youre cancelling because your premium is too high. They may try to keep your business.
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Horrible Homeowners Insurance
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FARMINGTON HILLS, MICHIGAN -- I have had AAA for over 5 years never made a claim and in December of 2007 a pipe must have broken under our house creating a water and mold mess. We called AAA and they sent a plumber to our home. The plumber they sent informed us he only does work for insurance companies and throughout the conversation with the plumber his wife told us he can hardly see and they were until 3:00 a.m. drinking vanilla rum.

The plumber then said that nothing would be covered because he said the water was all ground water and not from the huge broken pipe! And by the way will not be covered. We got a second opinion from a plumber that was not drunk and he said it was absolutely the pipe that caused the damage.

[snip] from AAA refused to talk the plumber we had got the second opinion from and was horribly rude. Now we are stuck with water under our house and no help! Way to go AAA!
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GothicSmurf on 06/20/2008:
Read your policy.

Why was the wife with the plumber?
IknowAlittleAboutThis on 04/09/2009:
Ah but under Michigan consumer laws, only you, the policy holder, can authorize repairs. You do have the right to obtain any legitimate repair facility to do your repairs. Your company may require several estimates, but they can't say that only this person can do the work.
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AAA will take your money and not return it. Beware
Posted by on
We had AAA for 10 years on out home and autos. During that time they kept screwing around with our estimated mileage so they could charge more. They were quite unhelpful during an accident, acted VERY arrogant and argumentative when we called custromer service, and when we finally cancelled our policies they hemmed and hawed about the refund of our monies paid. We ultimately got ripped off by these arrogant weasels. Don't be a sucker they are wolves in weasels clothing!!!
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AAA Auto and HOI quotes in NJ
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CHERRY HILL, NEW JERSEY -- AAA wants me to renew my memebership before they can give me a quote. Does anybody in NJ use AAA auto and home insurance and what type of premiums should I expect. If I am not going to use them I rather not renew my membership.
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Sparticus on 06/06/2006:
You shouldn't have to renew before they give you a quote. I have never heard of such a thing!
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