ComplaintsforTypTap Insurance Company

• Initial Complaint

  02/27/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The absolute worst. I first thought they were incompetent. I now know they are very precise in purposely delaying execution, acting like they didn't get correspondence, and lying. If you have a claim - you must get a Public Adjuster to help you and, likely, an attorney. You will have to fight for every dollar you should get. Plus expect it to take months and months to process.

  Business response

  03/08/2024

  We are sorry to hear about your experience with TypTap Insurance. From a review of the file, the claim was inspected and paid timely.  While there was a difference in pricing between your public adjusters and field adjusters estimates, TypTap took the necessary steps to resolve the discrepancy. A field adjuster completed a reinspection of the property, and a supplemental payment was issued. 
  
  I am happy to report your file has been resolved with an amicable agreement between you and TypTap insurance and final payment has been issued February 28, 2024.
  
  We truly apologize for any delay you experienced in the claims process.  Thank you for bringing this matter to our attention and allowing us an opportunity to respond.  
  

  Customer response

  03/19/2024

  Showing that they resolved the solution is not quite accurate. It doesn't change the complaint. Did they finally respond and send payment, yes. But their service was horribly slow, purposefully negligent, and dishonest in communication. I believe the purpose of the BBB is to let potential clients know how they operate. I sure would have liked to know.

  Customer response

  03/19/2024

  Rebuttal Response:

  Showing that they resolved the solution is not quite accurate. It
  doesn't change the complaint. Did they finally respond and send payment,
  yes. But their service was horribly slow, purposefully negligent, and
  dishonest in communication. I believe the purpose of the BBB is to let
  potential clients know how they operate. I sure would have liked to
  know.

• Initial Complaint

  01/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unresolved

  More info

  Filed a claim for roof damage after hurricane *** and ******* **** *** continues to delay, delay, delay and will not settle. The licensed roofer and the ******* ins. adjuster both concurred that a new roof was needed. After 16 mo. still no settlement from *******.

  Customer response

  01/24/2024

  Claim was filed on 11/15/2022. Claim # **-301380022 and ******* responded that received claim on 11/25/2022.  ******* has not even agreed to mediation and continues to stall.

  Business response

  02/01/2024

  Thank you for contacting us regarding your Hurricane *** claim. Shortly after reporting your claim in mid-November, TypTap inspected the property for the reported damages. Coverage was afforded to repair the observed wind related damage and payment was issued to you.  
  
  TypTap received a letter of representation from your attorney and has been in constant communication with them in efforts to resolve this claim.  Your attorney submitted a pre-suit demand, in response TypTap extended an offer to resolve the claim.  The offer was not accepted, and your attorney elected to move forward with litigation.
  
  Your attorney would be your best resource to answer any additional questions you may have regarding the status of your claim and/or the litigation process.
  
  TypTap values you as a customer and appreciates the opportunity to provide this response.

  Customer response

  02/02/2024

   
  Complaint: 21185443
  
  I am rejecting this response because: The settlement offer from ******* was less than 1/3 the cost to replace the roof.  Under ** statute the roof cannot just be repaired since the tile on the roof is no longer available.  The adjuster that ******* sent to inspect the roof told me that he verified that the tile is no longer available and recommended that the roof be replaced.  I hope that ******* will make a reasonable offer so that I can replace my damaged roof before the next hurricane season.   
  
  Sincerely,
  
  ************************

• Initial Complaint

  12/12/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Urgent Complaint Regarding Neglect and Delay in Addressing Claim Dear Better Business Bureau,I hope this email finds you well. I am writing to bring to your attention the significant issues and distressing experiences my family and I have endured due to the prolonged neglect and delayed response from TypTap Insurance Company concerning our insurance claim.Our ordeal began in April 2023 when an unfortunate event occurred in the middle of the night, resulting in damages to our home. These damages include uneven floors posing a threat to our safety, as well as holes in our walls, causing a considerable financial strain by increasing our monthly budgeting.Despite the severity of our situation, TypTap Insurance Company has only acknowledged the out-of-pocket expenses related to a total re-pipe of our home. This incomplete acknowledgment fails to address the comprehensive damages we have suffered, neglecting the true extent of our losses.Living in these compromised conditions for an extended period has taken a toll on the well-being of my child and myself. We have uprooted our lives and endured these hardships for far too long without the necessary support and resolution from TypTap Insurance Company.I kindly request the Better Business Bureau's intervention to ensure TypTap Insurance Company is held accountable for their lack of prompt action and comprehensive assessment of our claim. We seek a fair and timely resolution that considers the full extent of the damages we have endured over the past months.Thank you for your attention to this matter, and I trust that the Better Business Bureau will assist in facilitating a resolution that brings closure to our challenging situation.Sincerely,***********************

  Business response

  01/03/2024

  Thank you for reaching out about your recent claim concerns. We understand the situation involving the reported pipe leak in the laundry room area and its significant impact on your property.
  
  Our licensed adjuster promptly inspected the damage following your report. Although damage was observed initially, determining the precise cause was challenging as no active leak was present during the inspection, and the home appeared dry.
  
  To ensure a thorough assessment, we engaged a leak detection company, confirming a previous leak in the laundry room, which had been repaired. Based on the findings from both the field adjuster and the leak detection, coverage was provided for the identified damages, dry-out procedures, and additional living expenses.
  
  During the claims process, the public adjuster you hired submitted an estimate containing non-damaged items or non-covered damages and inflated prices. Ultimately, as you are aware, you hired a lawyer and filed a lawsuit.
  
  Due to the ongoing legal proceedings you filed, we are unable to discuss the matter further outside of the legal forum. If you have any further queries or require assistance, please do not hesitate to reach out.

• Initial Complaint

  04/13/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  My home was severely damaged by hurricane Ian. This company gave me less than half of what THEY estimated the damage to be. I hired a private adjustor and they met with the insurance and reassessed the damage and now TypTap refuses to respond to any correspondence from my adjustor as well as myself. This is the entire purpose of having insurance and this company is not only delaying full payment of the damages but refuses to even respond to us. They did manage to raise my annual insurance rate which is already reflected in my mortgage payment for months now. I simply want to fix my damaged home before another hurricane hits. Begging for some answers here, *******

  Business response

  04/25/2023

  Thank you for your inquiry.  This claim was reported October 3, 2022, for exterior damage to their home from Hurricane Ian.  We assigned a field adjuster who inspected the property on October 10, 2022.  Coverage payments were issued based on the observed damages and field adjuster’s estimate.  The insured has a hurricane deductible of $3,860, which was applied.  Recoverable depreciation was held back in accordance with the policy and will be released upon completion of the repairs.   The insured hired a public adjuster who submitted an estimate that is much higher than the field adjuster’s estimate and includes a greater scope than initially found.  We have been in communication with the insured’s public adjuster to understand the estimate presented.  This claim continues to be reviewed and the examiner will continue to work with the public adjuster and insured to resolve this claim.  Thank you for bringing this to our attention and allowing us the opportunity to respond.

• Initial Complaint

  03/06/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I was Affect by Hurricane Ian an all this company has been doing is giving my public adjustor and myself the run around. After 90 days by law they should have given me a response which they did my estimate of repairs was for over $275,000 I got a letter stating a check for $30,000 is what will be given when check finally came mortgage company was wrong it took them an addition 2 month 60 days or nore to re cut check an says case was closed most of the things damaged werent even included in there payment an what was paid was below legal prices for example my roof my pool cage which is pretty much all they were paying an low balling. Florida law also states if floor is thru-out the house insurance must pay to replace entire floor my kitchen cabinets same issues pool is in ground and pool cage collapse inside damaging pool Solar heater gone equipment busted or flew off same with water system an softner an this is just some. Typtap since then has ghosted me no one on my case no results an not enough from there settlement check to even cover replacing my roof.

  Business response

  03/15/2023

  Thank you for your inquiry.  We apologize for the delay you experienced in the reissuing of your check due to the update of your mortgage company.  Our examiner, Marie, has communicated with you and explained the process of submitting contractor estimates for consideration of supplemental payments.
  
  Thank you for bringing this matter to our attention and allowing us an opportunity to respond. If we can be of further assistance, please do not hesitate to contact us.

  Customer response

  03/15/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  Lynda ******

• Initial Complaint

  02/14/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  So, when are you guys going to call us about our claim. We thought we were getting closer when the Florida Department of Financial Affairs got involved… yet you still choose not to call us. Reaching back out to the them today, to let them know you did not reach out as promised. What an agonizing experience. This has to be illegal even fraudulent. We paid for the insurance to have peace of mind, only to realize you guys have done nothing to help us. We are leaving in an apartment, our life has been on hold for over 4 months. I guess, next step is to get a heavy hitting attorney to handle it and then you will not only have our claim, you will have to pay their fee too.

  Business response

  02/24/2023

  Thank you for your inquiry.  We apologize that you had trouble reaching the examiner; however, communication has been ongoing with your public adjuster. The examiner has communicated with you and explained the process of the engineer inspection, which has been scheduled for March 28, 2023.  Please let us know should you have any questions prior to the inspection.

• Initial Complaint

  01/11/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  After Hurricane Ian we filed our claim with TypTap insurance. They sent out an adjuster who rushed through the process, barely listened to us and took some various pictures. We were then sent a check for a small amount that was insulting and which barely covered or mentioned all that was damaged. We have called and emailed repeatedly to reach our contact Brandy over the past 2 1/2 months and she never responds. We have submitted all receipts and quotes to fix the ceiling, floors, lanai, roof, windows, etc., and they will not return any calls or emails. We did not cash this check as it will not cover anything and it is terrible how they are treating us. We need to do to fix our home. Meanwhile Mold is growing and putting our family, children, etc. in harms way. This is ridiculous.

  Business response

  01/27/2023

  Thank you for your inquiry, we apologize that you had trouble reaching the examiner.
  The claim has been reopened and a reinspection is being requested. The claims examiner and field adjuster will be in contact with you.
  If you have any further questions at this time, please let us know.

  Business response

  02/08/2023

  Thank you for your inquiry.  An adjuster reinspection of your home occurred on February 4th.  Additionally, a mold protocol inspection was completed on February 6th.  When we receive the results back from the two inspections, the claims examiner will contact you.
  Thank you.

  Customer response

  02/09/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. We will continue to work with you to make sure our claim is adequately investigated and reimbursed. We appreciate someone finally getting back to us.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  01/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I purchased homeowners insurance 01/31/2022 with TypTap. My home was insured for ******* for Dwelling. I got a new mortgage in 2/2022 and the mortgage company asked me to increase the dwelling price to $475,000. TypTap did not want to do this but they finally did. My mortgage company sold my mortgage and they no longer require the $475,000 coverage but TypTap will NOT reduce my coverage. They said prices had gone up, which I'm sure is true, but they have not doubled on a **** sq. ft. house in **************, **. This is a modest home with no upgrades. They will not come back to the original coverage. They will not come down at all. They have not released my insurance checks from ***. They do not return calls, they are just horrible. I just want to go back to the original. terms of my insurance. I would increase the dwelling to *******. My insurance agent is aghast on how they are acting. This is crazy!!!!!!! I have more documents from my insurance agent regarding the rebuild of this home. This house is not worth that much money. They will not budge

  Business response

  01/19/2023

  Thank you for reaching out, we understand and appreciate the consumers concerns regarding the rising costs of insurance.  Insurance carriers review the replacement cost of homes which they insure on an annual basis. The consumers agent (************************* of Way Better Insurance) supplied TypTap with a replacement cost estimator (RCE) on January 9, 2023 which estimates the homes replacement cost at $327,224. We will be using this value to set the consumers Coverage A limit at ******* upon its renewal date on January 31, 2023.

  Customer response

  01/20/2023

   
  Complaint: 18804221
  
  I am rejecting this response because: I do not understand why the insurance company can dictate what coverage I need. My mortgage company only requires coverage of *******. Why can't I just insure it for that? It makes no sense that they can require more than the mortgage company, PHH Mortgage requires!!!!
  
  Sincerely,
  
  ***********************

  Business response

  01/20/2023

  Insurance carriers review the replacement cost of homes which they insure on an annual basis.  Replacement costs are based upon factors like: square footage,  construction material, roof material,number of garages, pools, screen enclosures, labor costs and much more. These factors establish a homes replacement cost.  Carriers do not use a homes market value or a consumers mortgage loan amount, as these do not reflect the replacement cost of a home. As noted before, the consumers agent (************************* of Way Better Insurance) supplied TypTap with a replacement cost estimator (RCE) on January 9, 2023 which estimates the homes replacement cost at $327,224. We will be using this estimate to set the consumers Coverage A limit at ******* upon its renewal date on January 31, 2023.
  
  We hope this clarifies why we are using the homes current replacement cost.  

  Customer response

  01/20/2023

   
  Complaint: 18804221
  
  I am rejecting this response because: I should be able to insure my place for any value I want. My mortgage balance with PHH is only ******. Therefore, they are not basing their insurance needs on my balance. Why can't I insure my own home for the amount I want? I do not want all the content coverage they are offering. I would prefer to have ******. coverage. I do not need coverage for loss of use, as I have an alternative place to stay. All these coverages are over and above what i want and what is required. 

  I insured my car for $10,000 because that is what I think the value is. Why should the insurance company be able to force me to insure for more than what I want???? I know why....to keep the premium higher than it should be. 

  I am thinking maybe I should take this to the state insurance board? I don't know what else to do. I just think this is unfair and wrong. I have enough problems right now without all this. Please reconsider.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  12/07/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  typetap insurance company refuses to return calls, emails about my claim. There is no one you can talk with because call center says they are not answering phones. I paid my premiums for years every month and I only got a check that wasn't even a quarter of the damage hurricane *** did to my home. ******************* is my insurance adjuster but never returns calls for my questions. When asked to speak to someone else, they state only *********** can talk to me. When asked to talk to supervisor he is never in his office and again, no call back. We are still waiting for checks to fix house. We have been out of our house almost 3 months and still waiting for payments.

  Business response

  12/22/2022

  Thank you for your inquiry. We apologize that you had trouble reaching someone to discuss your claim. The examiner and supervisor have communicated with you and have explained the supplemental claim process.
  
  Let us know if you have any questions.

• Initial Complaint

  11/23/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  We have flooding and homeowner insurance with typtap. Our house flooded in April due to a pipe braking. After month of no resolution and our family of 6 including 4 small children being without a home for over 4 months. It is now November typtap has send letters promising money but never send anything. They do not answer back or fallow up on claims. Typtap is not reliable insurance!

  Business response

  12/07/2022

  Thank you for reaching out. We are sorry to hear you were not satisfied with the investigation process of your claim.
  Please note that because a suit has been filed, all communication will need to be directed through your counsel.
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩