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Bader Company INS. CO. IS A RIPOFF Indianapolis Indiana
Bader Insurance Company is a joke, literally!
I was sold insurance through Bader when I moved into my first apartment in March of 2009. The manager at the apartment complex told me that before I could move in that I had to obtain renters insurance. She said they had a company that I could go through and it would just be deducted out of my checking every month. I was told that it was just $7/month. I filled out the section of the paperwork about my checking account and signed my name. I never received any paperwork about my policy or anything else.
Around May of 2009, I received a paper stating that my checking account had been overdrawn by Bader. They were not taking $7/month, instead it was $11/month. When I went to the apartment's leasing office to get my policy and paperwork that I signed, the manager said she only had a paper of my policy number. It stated that I was paying $11/month for $5000 personal property and $50000 property liability.
On July 5, 2009, my apartment complex burned down. I heard an explosion outside on the patio, but didn't think anything about it because there had been a 4th of July festival going on. It sounded like a bottle rocket explosion. A couple of seconds later, there was smoke coming into my living room from my patio and I heard something crackling. I pushed my living room blinds back and my patio was covered in flames. I got my son out, while my fianc called 911. It took the fire station a while to get the fire under control. Red Cross was even called to help everyone out. The fire marshal told us that he was listing it as undetermined, and no one at fault.
The next day, I called Bader and reported my claim. They ended up coming out to the scene on July 7, 2009. I was wrote an emergency funds check for $2,500. They declared it as a total lost. They couldn't even walk into my apartment because the boards that hold up the ceiling were laying in my living room. I lost everything and so did my son and fianc. I didn't even have my car keys, so I had to pay for my car to be towed (it has a chip in the key) and pay for the key. I also had to buy my books for my summer classes. Plus, I had to buy a few outfits for my son, fianc, and me. We only had the clothes on our back. My son nor I even had any shoes! Then on July 18, 2009, I finally received the rest of my settlement from Bader. It was another check for $2,500!
Altogether I received $5000 from Bader. I called them because I thought personal property meant for everyone who was on the lease. I figured my son's stuff would at least be covered. I spoke with Roberta who was very rude. I asked her why none of my sons nor fiance's belongings were covered. She asked me if I was capable of reading. I said yes. She then stated that if I would have read my policy then I would have read that neither of their stuff would be covered. I told her that I never received a policy. She then started to say that they could get me for fraud because according to their report, the fire started from a cigarette in a plastic container. I asked her where she got her report from because it was listed as undetermined, but she was unable to answer that question. She also told me that my fiance nor son were on the lease. That is a lie, because I am a full-time college student. I don't work either. In order for someone to be able to lease an apartment, they have to have a job. My fiance was on the lease because he has the income. My son is on there as a resident.
Since this has happened, I have spoke with different insurance companies. All of them have said that they have never heard of this company. One insurance company informed me that this company is not with the state insurance commission, or else my son's items would have been covered. It is just awful because my son's birthday was on July 1, and his birthday party wasn't going to be until July 18. All his present were destroyed, along with his belongings. I can't even have a birthday party for him now until the middle of August. I do not suggest that any get insurance through them.
Olivia
Noblesville, Indiana
U.S.A.
1 Updates & Rebuttals
Petmilk
Alabama,Details
#2Consumer Comment
Sun, September 21, 2014
To the complaintant:
As a point of order, Bader Company is not an insurance company but rather an agent and program administrator. Another important factor, you clearly indicated that you were informed the policy limits were $5,000 personal property (your possessions) and $50,000 property liability (damage to the structure). You also indicated that you were immediately issued a check for $2,500 (7/7/09 - two days following the event) and another check for $2,500 on 7/18/09.
I guess my comments are that you were paid $5,000 within 13 days of the event - that is the full value you were entitled to under the policy and in my experience 13 days is very quick resolution of claims (I had to fight with an insurance company for 2 months to get paid value on my vehicle for an accident the other driver was completely at fault for - the other driver admitted responsibility and the police report clearly indicated the other driver being at fault). So, I struggle to see where your complaint is on this?
There are other confusing items in your complaint which should give anyone else reading "pause" - you indicated the lease was in your fiance's name but the policy was in yours. If the lease wasn't in your name than the policy couldn't be in your name. I don't think it is even worth getting into how your checking account could be overdrawn after 3 months for an "extra" (not even getting into the issue of how much you were charged) $12?!
Finally, the reference made to the report of the fire being caused by a cigarette in a plastic bottle versus your assertion the fire marshall said it would be listed as undetermined and no one at fault... According to the fire report, the blaze was caused by negligance of the unit owner (cigarette not extinguished). A blaze that destroys mutilple units could never be listed as "no fault".
It bothers me when people are able to go "unchecked" on a site like this and cast negative aspersions upon others. And, for the record, I found this doing my own research on Bader to try to determine if I should purchase an insurance product for which they are the agent and after reading how they responded quite positively to situations noted on the Better Business Bureau's website this "complaint" seemed off the mark. So I quickly researched the details and assertions.
Kind regards,