Complaint Review: Vanderbilt/Home First Agency/American Bankers Insurance Of Florida

I purchased a 1997 double wide from Oakwood in 2000. Oakwood went bankrupt in 2004 at that time Vanderbilt took over and placed my insurance with Home First Agency. I have had one claim with them out of 5 years for hail damage which they denied. Well in March of this year I had a valve on a pipe connected to my hotwater heater to start spraying water at the first sign of my floor getting wet I contacted them they sent out an adjuster who said the hot water tank had been leaking from under the bottom a long time that's when I hired a plumber who wrote a statement saying the hot water tank was not leaking but a valve on the cold water pipe was spraying water. That info was faxed to them they are still denying my claim stating the hot water heater was leaking for a long time and that is not covered. My policy states an exclusion caused by continuous or repeated seepage of water or steam from within a plumbing, heating or air conditioning system over a period of time. What they will pay for is sudden and accidental, Now if my valve on the pipe starts to leak water that has not been leaking before I do believe that is sudden and accidental.

Then to top it off the claim representative (Barry) called me and asked did I have plywood floors or particle board floors. I told him particle board floors which he already knew since he sent me some courtesy adjusments that said R&R 1/2 inch particle board floors. Well Barry told me if I had particle board floors they can look at my claim differently. When I asked him about it he said it is not covered and acted like he didnot remember telling what he had told me. Now I have molded walls, my floors look like a mountain with humps and a few holes in the floor. Basically this insurance company want you to pay,pay,pay, but when it comes down to paying for damages you will only get a hard way to go and fix yourself. Y am in the process of finding my own insurance because Home First is a ripoff and will not get anymore of my money!!!! I filed a complaint with the La Insurance Commission and still waiting!!!!!

A very pissed off lady!
Gloster, Louisiana
U.S.A.