I don't write any reviews but after my recent experience with Donegal insurance's claim process, I want to help out people who are looking into signing up for Donegal Insurance. My advice is to stay away from this company. If you live in Metro DC area, you probably aware of the strong wind storms we had during the month of March, 2018. A LOT of homes experienced roof damage. We were one of the unlucky ones.
We filed a claim but we are only getting paid to replace half of the roof because no shingles are missing on the back of townhouse. My roofing contractor tried to convince the insurance company that there is wind damage on the back of roof and shingles are lifted up and may give away sooner or later.
GEORGIA -- We switched to Donegal for Homeowner insurance as they had begun writing in GA and had a good rate. We were in FLA on vacation while they sent an inspector??? I have owned homes since 1978 and never had an inspector come. Weeks later the inspector sent a few pictures to our independent agent about some tree limbs over the roof. These tree limbs have been over the roof since the house was built in 1989. We have never had a roof claim.
In nearly 40 years of home ownership we have had a broken pipe claim and a lightning claim. Donegal then sent a cancellation notice in less than 2 weeks from their notice saying we needed to cut the trees back... whatever that exactly meant? We had less than a week notice about the cancellation.
GEORGIA -- I have NEVER in my life spoke to someone as rude as Maria **. This entire experience has been a nightmare. I had my car for 34 days when one of their clients hit me causing $4000 worth of damage. Not only did it take 1 month to get an appraiser to look at my car, I NEVER EVEN MET HIM. He didn't open my doors to look at the damage, didn't even have my keys. How do you properly appraise a car, without actually appraising it?!
Now, 2 months in I do not have a rental because Maria would not approve one for the full length of time that the repairs were being done (even though I have a document stating otherwise) and she will not return my phone calls. She only returns my mothers calls who lives in another state and whose name is not even on the car.
When we do get a hold of them? Each time I feel so low about myself. She speaks down and sarcastically to the point where I'm in tears by the end of the conversation whether it be from anger or sadness. What a devilish woman. The worst part is, the entire accident was THEIR clients fault. The entire experience has been so frustrating and I hate leaving negative reviews but I've tried multiple times to resolve this with their company and no one cares.
GRAND RAPIDS, MICHIGAN -- Was with Insurance company for over 10 yrs and never had a claim. Finally had one when we were stolen from, someone broke into our home and stole prescription drugs and other items, and that was the only time we had good service. From there on I dreaded dealing with this company and their employee Jennifer, not going to use last name. So when we had a claim about water getting into our ceiling Jennifer came out, not a contractor, and they didn't even have me get quotes. She put an estimated cost on the job and that is the amount we got paid.
I talked to several contractor friends and they agreed the job should have been more, luckily they did the job for the amount she felt the work was worth. The second claim was on an auto accident that my wife had, that they paid on no problem, but after that this company SUCKED. Had mold in our basement again Jennifer comes out and takes a look and says "no you are not covered." Then as we were fixing that mold problem we find out it is all through the basement and coming in through the foundation.
So they send out a structural engineer, one of their choosing by the way not a neutral one, and he reports back to them and they say "no you are still not covered", and my policy stated that I did have limited coverage, but they denied the claim. Every time I called to talk to them about this they listed it as a claim, and when I went to get new insurance they said I had 5 claims in one yr and they could not insure me. We finally got a report from our insurance company that we were with and it showed only the accident and ONE MOLD CLAIM. Then they send an inspector out to look at the condition of the home, first time in 10 years they do this, since they wrote the policy.
The inspector goes back and tells them we have a few problems. They write us in the middle of October and tell us we have until May 23 to fix these, other than removing my brothers pit bull, which was listed on this report, that was the only thing we could do because of winter. So in April as weather is getting better, we go into our local insurance office and ask them if they can reach Michigan Insurance, which is a Donegal Insurance Company, for an extension. They say not only can we not get the extension they would not be renewing our policy, leaving us to scramble to try and find a new insurance company.
Well we found one for the car, we had actually switched that before the new yr, and when we switched the car insurance over I thought that the new company would have faxed Donegal, well for whatever reason they were not notified and kept taking our payment. When we finally figured out what was going on I called to inquire about why and they told me they had no written notice of the cancellation. So again I go to my local insurance agent tell them what I need them to do and they do what needs to be done. So today I call after I receive a letter saying they got the cancellation to ask for a return of the premiums I was paying double on.
The lady on the phone tells me they had dropped a vehicle from my premium back in December, which I had not received notice of, and that I was only getting back a third of what I should be getting. This company has screwed me on more than one occasion and I would not recommend them to anyone. If your agent wants to put you through any company associated with Donegal Insurance group do not let them. The service SUCKS.
MARIETTA, PENNSYLVANIA -- Donegal sent out a question survey to evaluate for policy changes while I was on the road. They only gave 10 days to get the form completed and I was travelling for over 2 weeks. When I got back they had refused to renew my auto policy.
I went online to take the survey but they had already deleted all my credentials. I was unable to take the survey. I could not believe the handy handed tactics by their underwriting department. I have had them for over 5 years and NOTHING has changed with anything about what I do with my cars. Nor do I use them for business or pick up strangers with Uber or Lyft. DO not use Donegal. If this is the best they can treat customers – especially ones that never filed a claim then I have no use for them. I wonder if a class action suit is in order over this incident.
MARIETTA, PENNSYLVANIA -- We had business insurance with Donegal the policy renewed every year on January 15th, 2017. We were with them for at least 4 years prior. I paid the first 3 months premium of $2,000.00. Our business was contacted by another company for a free rate quote. The quote came back with a 30% yearly savings for much better coverage. I cancelled the existing policy with Donegal on April 14, 2017 and signed with the new company.
My agent (Glocker Insurance) contacted me telling me I was being charge $570.00 Short policy fee??? That sounds like a penalty fee for finding better insurance at a better price! DO NOT DO BUSINESS WITH DONEGAL INSURANCE. They're overpriced and only care about money!
PA -- Accident in February... and car still not right. Their response, "You chose repair company." 1st time ever needing claims service and all they could say was, "YOU chose them" with scolding tone. Well you live, you learn but they will be CANCELLED.
MARIETTA, PENNSYLVANIA -- My vehicle was parked outside my home on 3/6/11. A lady came past and hit my truck right after hitting 2 other parked cars. I turned the claim into my insurance company which is Nationwide to get the ball rolling because I have full coverage (lucky for me). Now 5/17/11 I get a letter from DONEGAL INSURANCE (driver at fault) stating. "We have completed our investigation of the above captioned matter. Due to MS. ** experiencing a medical emergency there is no negligence on her part and we are not able to consider payment of your claim."
Now I understand about coverage limits but Donegal just refused to pay at all. Because their client had a medical emergency? So for instance, if I am driving and I black out or something happens to me physically where I can't control my vehicle, it is not considered my fault? That is ridiculous. So in a nutshell they are saying if you did not mean to wreck it's not your fault but if you intended to wreck that's OK then we will payout on your behalf. How are you considered not at fault by your own insurance company when you were the only person driving in the accident and you hit 3 parked cars?
My insuraqnce made a full recovery from donegal and my insurance sent me my deductable. Im still glad i had full coverage tho or else i would have had to pay to fight doegal in court
A DONEGAL COMPANY MARIETTA, PENNSYLVANIA -- I had full tort on my Toyota Solara but since the car was paid for I didn't have collision. My car was hit in my driveway and Donegal just paid the other driver against my pleading. I take it to court and the arbitrator found in favor of me. I lose my car 8600, rental car 656 as well as going over the 5,000 medical and towing bill of 325. I get 3000 and the other person has a new car and whatever else she got.
Donegal won't ask Erie to pay my losses and they can't retrieve the money from the other lady so basically their insurance is useless if you prove them wrong. The new car I had to buy put me 200 a month over budget because of their mistake. I fired them in the first place because they didn't fight. By winning today I even saved them medical bills from her. What do I get from them? A slap in the face.
VIRGINIA -- After getting changing over to Donegal Mutual Ins Co, we had a sewage backup in our house. We had this coverage specifically spelled out in our policy. We did the insurance adjuster procedure and they paid for the carpet but when we wanted to have them pay for the pipe damage, suddenly they canceled us.
It was strange, that the letter to us about this was deceiving, since they did not spell out that we needed to have it repaired so that they could then determine whether they would cover the claim. This was a $18,000 repair (no typo, $18K repair). The cancellation was effective after 10 day notice was received. My recommendation, DO NOT DEAL WITH THIS COMPANY AT ALL!