Complaints

This profile includes complaints for Loggerhead Risk Management, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Loggerhead Risk Management, LLC

  14497 N Dale Mabry Hwy Ste 130N Tampa, FL 33618-2058

• 

  Loggerhead Risk Management, LLC

  PO Box 20426 Tampa, FL 33622

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:05/27/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  *** had an ongoing claim with Loggerhead Insurance company since October of last year. *** sent all estimates and information requested regarding my claim and still no repairs have been made. It has gotten to the point where my insurance agent had left the company and no one told me or even attempted to resolve this ongoing claim. I had reach out to customer service and told them about how I had received no response from anyone and was asked to resend all the information requested once again. Still, no response, no resolution to this claim has been made. Ive gotten to the point where I am ready to hire an attorney because of the damages to my home. This is by far the worst company *** ever worked with.

  Business Response

  Date: 06/09/2025

  We have received and reviewed the recent BBB complaint, thank you for allowing us the opportunity to provide a response.  Loggerhead Insurance takes matters such as this very seriously and we have reviewed the consumer's claim again to ensure we have addressed all of the concerns presented.
  
  Loggerhead inspected the property twice, completing an evaluation of all of the damage presented, some of which are covered under the policy and some of which are specifically excluded under the policy's provisions.   Our first inspection occurred on October 22, 2024, and the second inspection on May 5, 2025.   After assessing all of the reported issues, the covered damage fell below the consumers 2% hurricane deductible, therefore no payment was issued. This was relayed to the consumer verbally and in writing. 
  
  Contrary to the consumer's complaint, a desk adjuster form Loggerhead has always been assigned to the claim and has communicated throughout the adjustment.  The desk adjuster most recently spoke to the consumer on May 9th and at that time, discussed the presented damages, explaining what was covered and what was excluded, as well as the 2% hurricane deductible and the reason no payment was being issued.
  
  We understand and apologize for the disruption this hurricane may have caused the consumer; however, the insurance policy is one containing coverages, exclusions and deductibles.  We believe we have adjusted the claim according to the terms and conditions of the policy.

• Initial Complaint

  Date:04/03/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 03-18-2025 I reached out to Loggerheard Insurance to remove my ex wife from my homeowners policy. Our divorice was finalized on 02-18-2025. I removed her name from the deed on my house in December 2024 when I filed a quit claim deed making it my sole and seperate property. On 04-02-2025 I got an email from Loggerhead stating that my account was past due and owed $500.32. I reached out to my independent agent @ ******* insurance to inquire why they stated I owed more money. I had the policy re-quoted in December 2024 and premium was paid by *************** in January 2025 for the year. Independent agent contacted Loggerhead and found out when I removed my ex-wife from my policy my insurance score adjusted and the new premium would be higher. This is a simple money grab by the Loggerhead insurance. The house isn't more prone to damage from a fire or storm with less people living in it. There is actually less personal property in the home now than before. This is just a company seeing an opportunity to make an extra $500. Loggerhead didn't even reach out to explain this - they just sent the bill. Independent agent had to explain it to me - and they've never heard of a company doing this before. These homeowners insurance companies have Florida residents at their mercy. Would like them to honor the quote they gave in December 2024 and should face legal issues for unethical business practices.

  Customer Answer

  Date: 04/24/2025

  This is the only email communication I got from Loggerhead Insurance on 04-02-2025.   I then reached out to my independent agent @ ******* Insurance in ****************  They contacted Loggerhead and found out that when they removed my ex-wife's name from the policy they took the opportunity to rebid the policy and raised the rates.  They never communicated it to me or them before doing it.   Just got the bill that has been paid by my escrow account.  

  They had just rebid it in December 2024 - and simply took the opportunity to make some extra $$

  Rob

   

  Business Response

  Date: 05/31/2025

  Please see the attached response to your complaint.

• Initial Complaint

  Date:04/03/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Insurance premium was paid in the amount of ******* when policy was cancelled. Cancellation was accepted by an agent of the business on 03/13/2025. I am still waiting for the monies that I paid to come to me. I have left a text message asking for my refund and to tjis date I have not recieved a reply. The artical number issued by the **** is: 9589 0710 5270 1278 5827 21

  Business Response

  Date: 04/07/2025

  Attached is our response to Mr. *********** complaint.

• Initial Complaint

  Date:04/02/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  we had a homeowners policy with this company and my husband reached out to them recently asking why we have not received a bill or ANY correspondence from them in a while. He was informed the policy was cancelled in November and that we would need to apply for a new policy for $5,000, double the price of our original policy. Plus we would need to get another wind mitigation inspection at a cost of about $400.00. We have NEVER received a bill from them or ANY type of notification of cancellation! They claim it was emailed. It was not. We only found out our house had been uninsured since November because we reached out to them. There was ZERO communication from them.

  Business Response

  Date: 04/16/2025

  Please see the attached response to your concerns.

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23149421
  
  I am rejecting this response because: there was no email sent to us from your company as you stated. Please go ahead and provide at least one of the supposed emails you say were sent to us. Also, I never knew I had a portal as none of that was ever mentioned or provided by by loggerhead.

  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:04/01/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  At the end of December 2024 i purchased homeowners insurance through broker harvest Insurance. Over a month or two went by and i received a notice stating they never received the 4 point. I explained all paperwork was sent through harvest but the insisted that a full inspection was never given and requested a special 4 page report which I did not have and told them contact my inspector as I did. They could have sent for there own inspection however they chose to cancel me and keep my money! They shouldn't have processed the application if they didn't have necessary documents! And wait nearly 2 months to ask. I was under the impression that everything was ok when i received an invoice for payment number 2 and paid. I was only refunded part of what i paid and still cancelled me.

  Business Response

  Date: 04/07/2025

  Attached please find our response to your concerns.

  Customer Answer

  Date: 04/08/2025

   
  Complaint: 23141232
  
  I am rejecting this response because: i paid more than i was refunded! They state they paid December through March 17 at which time i made 2 payments totaling$912.79 . tHAT IS NOT WHAT I WAS REFUNDED.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:10/03/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The home insurance policy (LH-************ , with property address '**********************************************************************) has been cancelled without intimating any form of notification to customer. Though the customer login page and policy state that there was notification with n the profile page in website , I never received any emails / calls / postal letters about upcoming payment or invoice to make payments on quarterly premium. This result the premium payment been missed , and I notice the policy has been cancelled . Even I never received any letter stating the cancellation as well. I did get notification via emails beginning of the year , but from July I didn't get any notification emails .I strongly believe this is a technical error from loggerhead notification system. Considering the lack of notification I request to loggerhead to reinstantiate the policy with any post date , I am more than willing to provide adequate supporting evidence to re-instance the policy .

  Business Response

  Date: 10/31/2024

  Thank you for your concern. Please see our response to your concern in the attached document.

  Customer Answer

  Date: 11/01/2024

   
  Complaint: 22369530
  

  
  I am rejecting this response because: Please clarify why I need to make payment for 07/31/2023 to 7/31/2024 - I do notice that I have made the last payment on 04/15/2024 .  so if i have received the invoice I should have made the next payment on Jul 2024 ; not on 2023 ..  Also as of last week I have signed the 'Statement of No Loss Certification' , as of my knowledge, this means no damages during the last period till October 28th is not covered , being that can't we reinstatce the policy with current state and coverage start as per Statement of No Loss Certification ? ..  I am also noticing the policy  is in ***** period state not in reinstated state . I assume this needs to be addressed  as well as I don't see any option to make any payment . 

  Thank you **** , and appreciate and happy to see that loggerhead realized the system glitch and take the necessary  steps to reinstate the policy . 

  Appreciate 
  
  Sincerely,
  
  **** ********

  Business Response

  Date: 11/26/2024

  Good afternoon.

  We have resolved the prior term directly with the customer. Attached is a response that can be sent to him to close out this issue.

  Thank you for the opportunity to follow up.

  **** ******

  Vice President, Operations and Customer Experience

  **********************

  Customer Answer

  Date: 12/02/2024

   
  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,
  
  **** ********

• Initial Complaint

  Date:05/30/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid $599.62 to Loggerhead Insurance on 3/26/24 for a homeowners insurance. (Partial payment). Dolphin Title paid $1934.30 for the full year upon my house closing on 4/22/24. ******* told me to contact Loggerhead to refund my payment. I have repeatedly called and left numerous requests for a refund. They have not responded.

  Business Response

  Date: 06/16/2024

  Please see the attached response to your complaint.

  Customer Answer

  Date: 07/02/2024

   
  Complaint: 21773001
  
  I am rejecting this response because:
  

  Please review the attached letter from *********************, VP of Operations and Customer Experience stating a refund of $1934.30 had been refunded to ********************* issued on June 13 2024. However, there was not a copy of the check attached nor have I received it.  

   

  Dolphin Title of ******* has sent several emails requesting a refund of $599.62 be refunded to me, since they paid the full amount when closing. ( please read the list of emails below.)

   

  Now I am receiving emails requesting payment for policy LH-FLHO30028815 that is due in July. First of all, the refund should have been only for $599.62 payable to me. Dolphin Title paid the full amount because of their policy that homeowners must be paid in full upon closing. I was not aware of this until the closing. Furthermore, to keep the closing paperwork as written, I was told to request the refund. At this point, I dont know if I even have any insurance!

   

  Please respond.

   

  *********************

  ************

  Business Response

  Date: 07/03/2024

  Please see attached response.

• Initial Complaint

  Date:05/15/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Loggerhead insurance purchased (I assume) my information from Progressive. In spite of the fact that I a) cancelled my Progressive homeowners insurance and b) NEVER approved the Loggerhead replacement insurance quote, Loggerhead issued a bill to my mortgage company. Because the invoice included all of the information that they received from Progressive (including my loan information), my mortgage company paid the invoice without my approval. Unfortunately as this was part of a bulk invoice, my mortgage company cannot simply stop payment on the check. Loggerhead's customer service is non-existant. They have never answered the phone when I call. They automatically put your number into a call back list after a few minutes on hold and never call back. I have emailed customer service and they say they will look into the issue, but have stopped replying and have not resolved the issue. I can see from posts on LinkedIn that they have done this before.

  Business Response

  Date: 05/15/2024

  Please see the attached response

  Customer Answer

  Date: 05/25/2024

   
  Complaint: 21709321
  
  I am rejecting this response because: I have to reply by today and the check has still not arrived.  I note that this is the second time they have said they would send a refund.  The last time was in an email they sent May 2.  My mortgage still lists the $ as having been removed from eskrow so it was not returned to them either. I've since tried replying to that email 2 more times and still have no check.
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 06/18/2024

  Attached please find our response to your concern.

• Initial Complaint

  Date:05/13/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ******* insurance is the agent for my homeowners insurance policy. The bill for my homeowners insurance should be sent directly to me from the insurance company. I do not have an escrow account set up with my mortgage company for payment of the premium. I contacted ***************************** at ************************************* in May of ************************************************************************ She said it was too late to correct it at that time but she would make sure the bill would be sent to me at my renewal. Well once again on May 9th 2024 my mortgage company was billed when It was I who should have been biiled. I spoke to ********************* at ******* insurance who stated it was standard practice for the insurance company to send a copy of the renewal to the mortgage company. I agree with that. But it wasnt just a copy of the renewal it was the bill. Amount Due: $1,916.39 Due Date: 06/28/2024 INSURED(S)******************************* PROPERTY ADDRESS ********************************************************************************************************************************************** www.loggerhead.insurance | ************ Mortgagee Invoice Policy Number: LH-FLHO30001629-02 Policy Term: 06/28/2024 to 06/28/2025 Expires on 12:00 AM at *********************** INFORMATION ******* INSURANCE GROUP ******************************************* FIRST MORTGAGEE NEW RESIDENTIAL MTG *********************** ***** Loan Number: ********** THIS IS NOT A BILL - YOUR FIRST MORTGAGEE HAS BEEN BILLED Date Issued: 05/09/2024 Invoice Number: ********* Above is the premium due for your property insurance policy. Your first mortgagee listed above has been billed to submit payment on your behalf

  Business Response

  Date: 05/25/2024

  Please see the attached response.

  Customer Answer

  Date: 05/29/2024

   
  Complaint: 21703445
  
  I am rejecting this response because: This issue has been going on since May of 2023. That is a long time to have a technical issue.  While I appreciate the business responding. I have no confidence the business will follow through on a resolution. Also my payment is due by 6/28/2024. I cannot wait much longer for the billing to be changed from mortgagee to me. I want to make sure my payment is received timely. Without knowing when than issue will be resolved other than to tell me soon how long should I wait before sending the payment?
  
  Sincerely,
  
  *******************************

  Business Response

  Date: 06/18/2024

  Please see the attached response to your concerns.

  Customer Answer

  Date: 06/21/2024

   
  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,
  
  *******************************

• Initial Complaint

  Date:05/09/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April 8, 2024 I bought a home insurance policy with Loggerhead Insurance thru my insurance agency named Harvest Insurance. Payment was submitted that same day and deducted from my bank account two days after. On April 12 I received a cancellation notice via email, the reason given: my home did not meet underwriting requirements. The letter said I should receive my refund within 15 business days. I have been tryin to contact them via phone, left many voicemails, left my number so I could get a call back and sent emails with no response from them. Finally my insurance agency was able to contact them on May 2nd via email and explain them that my refund needed to be issued as soon as possible cause my policy never went into effect ( my current insurance company policy wont expire until May 20) so there was no policy to be cancelled and asked to escalate my refund. Still today I had not received my full refund, my insurance agent and I had been trying to contact them repeatedly again regarding this matter since last week and there has been no response. Please help, I just want from them to return my money, their customer service, if they have any, is the worst I have ever seen.

  Business Response

  Date: 05/21/2024

  Please see attached response

  Customer Answer

  Date: 05/22/2024

   
  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. Although Loggerhead  business practices regarding refunding premiums to customers who they do not want to insure after taking the money from them is horrible and not fair at all, keeping your money for about two months for no reason is outrageous. Their customer service **** big time. 
  
  Sincerely,
  
  *******************