I purchased a homeowner's insurance policy from Encompass and paid the full year in advance. Six months later I received a bill from them for what amounted to a 50% premium increase. Since I knew I had paid the full amount in advance I assumed it was an error. Instead, I learned that because my replacement cost appraisal came in higher than expected this bill was to pay for the increased premium. I guess this is somewhat understandable except that I wasn't told any of this until six months later. But ok, it is all still fixable if Encompass would simply refund the unused portion of the prepaid amount based on the orginal agreed to premium. But, no depsite the fact that the replacement cost appraisal and associated premium increase were never communicated to me until 6 months after signed the policy, Encompass and my insurance broker, JYS Agency, decided they would simply keep my full year payment.
Dishonest and dishonorable.
Never use Encompass.