Safeco - Might as well be uninsured! Liars, Manipulators!
Water Damage Claim - Complaint
STAY AWAY STAY AWAY STAY AWAY!!! I don't know what kind of shady gig the dimwits at Safeco are running, but my patience with you and your company's nonsense has run out!!! I filed a claim with Safeco after a tile piece fell off the bottom of the kitchen cabinet, revealing water damage. My dad talked to the adjuster THAT DAY, who (the adjuster) proceeded to start questioning about how long it's been, my dad said he just noticed the leak and called to report. Later, my dad asked me to call the adjuster and talk to him to make sure he understood my dad correctly. I talked to him and told him we figure there is a leak b/c the tile fell off the base of the counters in the kitchen that day, and showed water damage. He started telling me that my dad told him he noticed the problem about 2 weeks ago. I asked where he got 2 weeks, he said that's what my dad told him. My dad was sitting right next to me during the conversation and said there was no mention of 2 weeks, there was no time frame given b/c there was no time frame, it was noticed and filed THAT DAY. How do I know there's a leak, if there's no visible seepage, there's no water, till one day the tile plunks onto the floor b/c the water unsealed the glue/cement that was holding it in place. Safeco says we need to call in a plumber and find the leak. Safeco sends in South River Restoration with some large fans to dry up the water to "prevent further damage" then they send in some third party adjusters, b/c Safeco doesn't have an office or reps in the Dallas/Ft. Worth area (where I live). They take pictures and say they'll send it to Safeco to assess. Safeco denies our claim...BASED ON PICTURES. Upon talking to the adjuster he says the claim was denied because it was existing damage. He claims the plumber told him the water has been leaking for months. Then he says the plumber told him 5-6 months. I called the plumber, he said there was never any mention of time. The adjuster struggled to answer my question, which was: "How do I know I have a leak if there are no signs of it, no signs of a problem, no visible standing water, until a tile piece falls off?" Do health insurance providers deny claims for cancer treatment b/c a patient was diagnosed months after it developed? No symptoms/no signs...no triggers for concern.
I couldn't understand why the adjuster kept pushing the 2 weeks from the beginning until our last conversation. The 2 weeks was a made up time frame to cover Safeco and prevent them from paying the claim b/c that would make it pre-existing damage. Seems like our claim was denied from the get-go.
I just received a letter from South River Restoration threatening to put a lien on my property if I don't pay the bill Safeco generated! South River Restoration was hired by Safeco, who suggested they come out and set up the dryers to dry up the water damage. I never had a say of yay or nay on this one. I wasn't asked and never agreed to working with them or having anyone set stuff up in my home. I was simply informed that it's the next step in the process and that's that. I didn't get to choose who I wanted to work with much-less who I was comfortable letting into my home. Now, did Safeco know that I would get stuck with the $960 bill? I sure didn't. That's about what I pay per year for my home insurance that offers about as much coverage as a post-it note on a rainy day! Then, low and behold, Safeco denies payment on South River Restoration's invoice! REALLY? Any good reason why? How do you call someone to tend to my property KNOWING you won't pay for the services? That's very considerate and shows how much I'm valued as a customer. My property damage claim was denied (based on pictures,) they don't pay people THEY hired...who Safeco KNEW wouldn't get paid, since they're the ones who decide what claims get approved and which ones are denied. In Safeco's case it seems like nothing is approved. How does an insurance company not have a branch in the city where they offer coverage? You send some third party appraisers to my home and base your assessment of my property claim on their pictures? Can you tell based on the pics if the water damage was 5-6 months worth or 2 weeks worth? How do you assess that? You couldn't make this up if you wanted to, but unfortunately it's my reality. I pay my premiums every month for what, to line the deep pockets of the imbeciles at Safeco? That gives me a warm and fuzzy feeling every month I see your name on my bank statement.
I figured a big insurance company is taking care of me, I'm in good hands...then I remembered-that's ALLSTATE's motto. Safeco's statement on the website reads "With Safeco, you get high-quality coverage, sensible advice and a helping hand." I wholeheartedly beg to differ! I think it's more along the lines of : With Safeco you get no coverage, lies, and a hand that slaps you square in the face in your dire time of need.