This is by far the worst insurance company I have dealt with. When they initially billed us, we found several "mistakes" on their pricing after we really looked at how they came up with it. They applied one accident on our record twice and they also bumped up coverage over what we really wanted.
The worst part was their claim service as it borders on fraud. We had a water damage claim in early July. They delayed 5 weeks in even getting anyone out here to inspect the claim. The plumber who inspected the claim was browbeaten by the claim adjustor in order to twist his assessment what was needed to fix the problem so that the claim award could be minimized.
In fact, their proposal for fixing the problem did not even meet our local plumbing code. They argued that their work proposal did meet the code but when we presented them with the code itself which showed that they were wrong, they changed their story to then say that they were not obligated to pay for work that meets minimum code standards.
Needless to say, I am taking them to the State Insurance Commissioner's office. I would urge anyone who suspects they are not being dealt with properly by them to do the same. They are very clearly a company who will distort and cheat in order to avoid or minimize their claims. They also make it so difficult and time consuming that it could be argued that they know many people will just roll over. DON'T ROLL OVER. Take them right to the commissioners office. Once more thing. The law states that if it is found that insurance companies are working in "bad faith" you are eligible for triple damages! Don't let them scam you either!
Product or Service Mentioned: Encompass Insurance Claim.
Monetary Loss: $9.