Typically all the new companies are actually not rated as thier rating in the AM Best Book is "NR"= not rated so Im not sure where you are seeing the "D" rating. If you have a problem yu would contect the dept of insurance. I have found that if you have a legitimate claim and its not being handled correctly the old $250.00 letter from your atotrney gets the ball rolling. Its unfortuneate that you have to do that but it is what it is.

My advise is that if your insurance compony logo is a elephant you will need an attorney to get paid. 

AM Best is the only real source for insurance company rating. Demotech gives everbody an A.

 

Edit:

man that is filled with typos

my agent told us that we should switch because citizens dropped coverage for anything but the house and dropped the dwelling coverage from 300,000 to 100,00, and my price is due to increase w citizens ,the new one is keeping coverage as is and takes care of pool and fence etc.. but now you guys have me questioning what to do, my agent said if it goes to high he will put me back in citizens, mine is a Farm Bureau agent, why shouldn't we switch ??

Surfer girl.
Citizens did not reduce the coverage for the structure from $300,000 to $100,000. That is your liability coverage. If someone were to fall on your property you could have in the past had $300,000 to defend you, if you paid the extra $20.00 per year. Now the limit is $100,000, cannot buy anymore now.

There is a gap policy that is available for $240.00 per year that covers the missing $200,000.

The statement about citizens dropping all the coverages besides the house is not accurate. Maybe you meant to say "reduced" the other coverages. 

I will check with him again but he did tell me that my pool, gazebo and fence were no longer going to be covered , and that i would be paying the same amount, I would be getting less coverage for the same price and you are wrong the $300,00 was for rebuilding costs not my liability , that's where they changed it to $100,00. and yes i meant to say dropped and not reduced.. Do you always talk for people ? Sea u in the water

I know what your talking about 100% Surfgrl4ever......Hate Insurance,but have to have it...as long as you don't use it.


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Well then...........DO IT!!!

Just moaning and complaining:

1.  Sent payment to Citizens, lost either there or in the mail.  Insurance Canceled.

2.  Reapply with new inspection, send in new check etc.  Insurance.

3.  Letter from Citizens.  Electrical no good, inspection no good.  Insurance Canceled.

Um, the electrical hasn't changed?  The inspection was done by the contractor the insurance agent recommended?

I hate Citizens.

I wish somebody / anybody else would write beachside.

Ack.

note:  Had State Farm for 10 years. 

Charlie/Francis/Jeanne Storm in 2004.  Made claim for roof.  Dropped by State Farm.

ack again

 

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add a signature since I'm here in profile anyway

sarcasm and jokes do not translate well on the internet so I cant be sure but if your house was insured for $300,000 and it was dropped to $100,000 thats some odd stuff for lack of better words.

im betting your still not getting it, meaning your not understanding something.

aint trying to be a jackass but citizens has dropped thier liability coverage from 300k to 100k , so thats a big coincidence

Yes 30 more minute and Im in the water. nice little sell coming in down here in palm beach county

 

Tom,
trust me your agent isnt having any fun either. Homeowners and car insurance is a high volume business to make any money. Citizens pays 10% commision but not on the bottom line you see as a premium. To make it simple citizens pays 10% on half your premium. It may be easier to say citizens pays 5%  commision. That aint alot.

Staring to look like staying with Citizens & taking my chances may be the better options.  My agent did say something about them not covcering 'attached' stuff - but at this point all I have is a tool shed; decided in '04 to not replace the pool screen.

Weiss (not sure exacltly who they are - Tingo - any input here) rates all the 'pickup' compnies as D or 'not rated', BUT some of these same companies are supposedly 'A' rated by Demotech?

What's up here?

Also saw that 'State Farm 'of Florida'' (note!) was not well rated & seem to remember many of my clients moaning about them during '04 with problems with paying..

Plot thickens..

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There are NO white people at all in the Bible... take all the time you need with that...
Please stop feeding the trolls - they will go away if you do...

Surf - no complaints on State Farm.  They came through promptly and covered things I didn't think of as "loss". 

Tingo - yeah, I feel sorry for my Agent.  She's got to deal with Citizens and the Mrs.

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add a signature since I'm here in profile anyway

Check with Natwick Ins in Satellite off S.Patrick, they can get you quotes from Federated which seems to offer the most reasonable premiums right now. 

If you need Wind Mit / 4 PT inspection, see Honor Construction Inspections $135 

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Search the MLS 

Have been with Florida farm bureau for 25 years. Very reasonable , rates small increases but not what I hear about others. Never had a home claim but auto claims have been handled professionally and promptly. If they're not accepting new clients call every few months.  A friend did and eventually got in.  

Surfgirl I got notice the pool cage is not covered not sure about pool itself