Complaint Review: St. Johns Insurance Co. - Columbia, South Carolina

 Due to leagal settlement reasons I can not fully disclose what happened, but we can say this ONE for the consumer. ABOUT TIME!

 The case was finally WON, the games stopped and the sttlemnet was done

This method you mention was tried, but once an atty is involved on the claimant side they can no longer be involved.

I am a property and casualty insurance agent. I understand not every company is perfect and as the old saying goes; "we are human". Mistakes are bound to be made. However, as a society we are becoming less and less accountable when it comes to our end of an agreement. In this particular case you accuse St. Johns of ripping you off because they didn't pay for damages caused by a sink hole. Have you ever wondered why insurance companies send you a policy package? Let me help you with that answer. To read it. Had you read the policy, which is a standard HO3 or HO8 form most likely, it has a section, which unless the reader is illiterate, which clearly reads that earth movement isn't covered. It also provides examples of just what earth movement is and sink hole is one of them. This said do you really expect the insurance carrier to pay the claim because you were too trifeling to read your policy or because you are mad at them because they should pay it? I imagine the reason you were declined everywhere you complained is because you didn't read your policy. So rather than accept the fact you won't take accountability for your irresponsibility you decided to go bad mouth a company that has treated their customers with care and handled claims within the expectations of their customers. So please, for the sake of us who accept accountability, please keep your baligerant rantings to yourself. Although this is a horrible position you are in had you read your policy you would have known this wasn't covered. Or, had you not read your policy and when told it wasn't covered then read the policy and accepted the fact you bought a policy not covering earth movement you could have directed your efforts, money and time toward the builder, the municipality where your home is located, the previous owner or the real estate company who sold you the home. Sadly, when consumers hand over insurance premium they expect everything regardless what it is to be covered. For example; say you have 30 year shingles on your roof. 10 years into them being on your roof a heavy rains comes. You experience a leak which also causes damage in the walls. The adjuster comes out, gets on a ladder and see the damage and discovers decaying leaves, sticks and pine needles. Because the policy states the homeowner is responsible for maitenence to the home the claim was denied because the homeowner should have cleaned the debris from the roof. In closing I wish you the best in your endevour and please, read what you sign. 

http://www.floir.com/ This a link to the Office of Insurance Regulators in Florida - I suggest you take your case to them.  Good luck to you.

If so, have you or your attorney gone to them over this and requested they force the insurer to stand by their policy?