Complaints

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:07/05/2025

  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.

  I am filing a complaint regarding my homeowners policy purchased through Openly and administered by ****************************, with sales and servicing handled by an independent insurance broker.Over four policy terms, my premiums increased significantly due to inflated replacement cost estimates that were never fully explained. The company claims I selected a Coverage A amount of *****% of the replacement cost but I was never informed of that ratio or what it meant. By 2025, my home was insured for $480,000 even though my independent appraisal showed the value was only $375,000.Additionally, my broker adjusted coverage levels and deductibles without my clear knowledge or consent increasing my risk while doing little to reduce costs. I attempted to resolve this through the ******************************** (File #******), but they were unable to intervene due to regulatory limitations.I believe this behavior reflects a lack of transparency, consumer fairness, and control over independent agents. I want this complaint made public so others can ask better questions before trusting similar coverage.

  Business Response

  Date: 07/08/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

• Initial Complaint

  Date:07/01/2025

  Type:Order 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.

  The insurance company continuously retaliate against the need for maintaining normal standard of living and discriminate health condition. Additionally, continuously, manipulate, and companies that are formulating in writing reports that do not have support or valid reasoning

  Business Response

  Date: 07/03/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Claims team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

  Customer Answer

  Date: 07/08/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  Openly failed to provide a meaningful response to the complaint as such a response with a timeline of events showing the activity of the claim is demanded additionally, it is demanded that openly cease writing policies if its not going to take accountability as its clearly engaging in the Commonwealth of Pennsylvania, and in other states of the practice of insurance and is not acting in the capacity in which it Suggests that it is a administrator an administrator does not take on the tasks in which openly has done
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  Nivertiti

   

   

• Initial Complaint

  Date:06/16/2025

  Type:Billing 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.

  My insurance is paid monthly to Openly through an escrow account with ****************. I received a notice of impending cancellation from Openly a month ago, asking for the full year's amount despite this arrangement. I called Openly, they said don't worry, they probably just don't have it yet. Today I got a phone call threatening cancellation. Upon investigation, **************** had paid the annual insurance renewal of ******* and mailed it eleven days ago. Openly insists they have not recieved payment and will cancel my insurance if they do not have it in hand by tomorrow. So my choice as of tomorrow is pay the ******* dollars for the year and hope they keep their word and repay me when they cash the ** Housing check, or have my insurance cancelled because Openly says they don't have a payment that was mailed eleven days ago. Does Openly's story sound reasonable? Eleven days for mail to reach ****** from *********? Or does it sound like they are making people pay for an entire year even if they have an escrow account, and are collecting interest until they feel like paying the victims back? We are in the 21st century. It is ridiculous for ** Housing to be mailing checks instead of doing electronic deposits, but it is even more ridiculous for Openly to make victims of their clients and get away with it. They could easily check with ** Housing and find that my story checks out, but they won't. Meanwhile, if I pay Openly, I have to jump through hoops with ** Housing to not continue to be charged 95 bucks monthly for a policy I already paid. Please assist.

  Business Response

  Date: 06/17/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

• Initial Complaint

  Date:03/31/2025

  Type:Order 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 am filing this complaint regarding the cancellation of our homeowners insurance policy by ****************** Name]. Our roof was replaced within the last six months, yet our policy was canceled because the broker, Progressive, failed to provide accurate information about the roofs age.We paid the full annual premium upfront, but after canceling the policy, the company refunded only 10 months of coverage and left us uninsured without proper notification. We were unaware of the cancellation and only discovered the lapse when attempting to secure a new policy which we are now unable to obtain due to this lapse.Despite multiple attempts to resolve this issue, the company has been unhelpful and unresponsive. This situation is entirely avoidable given that our roof is brand new and meets all required standards.We are seeking immediate action to reinstate our policy retroactively or provide documentation confirming the error, so we can secure new coverage. We expect a prompt resolution to avoid further financial and legal complications.

  Business Response

  Date: 04/02/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

• Initial Complaint

  Date:03/07/2025

  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.

  I sent out a ******* dollars check to renew my homeowner insurance policy.Openly received the check on 2/21/25 so 2 days before the due date. The check arrived in the allotted time frame before the renewal date.The check was cashed by Openly right away and the money was taken out of my account. On 2/21/25, the same day the check was cashed, my homeowner insurance policy was cancelled by the company (see documents attached).It is unacceptable and illegal for a company to cash my check and the same day cancel the policy. The check sent out should have been cashed only if the service I pay for was rendered. It is not the case. As a result I am out of pocket and my homeowner insurance policy was ************ is a violation of federal consumer protection laws to charge customer for a service not ***********'s been exactly 14 days since my check was cashed and the policy cancelled. 14 days gives Openly plenty of time to hold the check and figure out that they have to reimburse me, reissue a new check for ******* dollars in my ******* of now I have no news from Openly, and I for sure did not receive any check for my refund. It seems that Openly is not willing to work with me and make it easy for me to get the refund I am entitled to.

  Business Response

  Date: 03/11/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

  Customer Answer

  Date: 03/11/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

• Initial Complaint

  Date:03/05/2025

  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.

  I have a 60 plus years old home which I insured with openly in 2020. My policy was dropped due to my house being over 20 years old. Quick beer math but I am pretty confident my home was over 20 years old when I began my policy and there was no issue then. Now, I am left frantically searching for a new carrier to satisfy my requirements of my mortgage provider. I see this as a reoccurring theme with Openly complaints I have read and I would like to know when this change took effect.

  Business Response

  Date: 03/07/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  
  

  Customer Answer

  Date: 03/07/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

   

  The business response states there will be contact made via their customer service department.  Therefore I am awaiting thst attempt.

  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

  Business Response

  Date: 03/12/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. As noted in our conversation on 3/5/2025, Mr. ******* property is no longer eligible per our underwriting guidelines.
  

  Customer Answer

  Date: 03/13/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  Please clarify what underwriting guidelines my property no longer satisfied as there were no changes for the duration of my 4 years as a policy holder.  Additionally, please provide the date in which these guidelines changed.

   
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

• Initial Complaint

  Date:01/11/2025

  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.

  We have an insurance policy through Openly LLC and have a claim in progress since September 30th, 2024. We experienced storm damage for a property located at *********************. The Claim *** with Openly LLC. (**** *******) has not provided an answer or any type of resolution in over a month for a payment to us that was under review. He has promised on several instances that an answer would be forthcoming but, has not made good of his word. The classic response if we get one from him is, " I'll reach out to you by close of business tomorrow ". The majority of the time we do not get a response at all.We have a thread of emails starting December 3rd, 2024, to current date of January 10th, 2025. I have called multiple times and left several messages and also emails with no success in a resolution. It's to my understanding that we have 180 days from the time the claim was opened to have the claim closed. The clock is ticking away, and no progress is being made. This appears to be an intentional stall tactic by them to end the claim through time without making appropriate retribution to us. We ask that our claim be reassigned to a new claim *** and that we receive an extension on the deadline for the claim process.

  Business Response

  Date: 01/13/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Claims team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

• Initial Complaint

  Date:01/09/2025

  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.

  This is a homeowners insurance. They are price gouging people who got hit by storms. If anyone in the area use them and had to file a claim for the tornado or the hail that came through the area last summer their premiums have gone up almost $1,000. We are required to have insurance but they are not required to regulate their prices? It's bad enough that people have to suffer through the storms they should not be allowed to price *****

  Business Response

  Date: 01/10/2025

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

• Initial Complaint

  Date:10/15/2024

  Type:Order 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 believe I am the victim of insurance misrepresentation or potential fraud. The insurance company Openly and their 'underwriters' cancelled my homeowners coverage over a late underpayment of $25 dollars. The $25 dollars was the result of a upgrade in coverage that resulting in a higher premium that I voluntarily made due to review of my coverage.The true intent I believe of the business was to find an excuse to drop coverage because I made a significant claim in the previous year as the result of a garage fire. My payments at the previous premium amount were never late and paid in full at the beginning of the policy period as part of my mortgage escrow account.This is clearly bad faith and retaliatory. They are attempting to drop coverage in retaliation for making a claim as provided for in the policy that they now don't want to insure.IF they wanted to drop me they could at least NOT pursue this ridiculous pretense that this is over a 3 day late $25 dollar balance that they actually received for a near $1600 dollar premium.

  Business Response

  Date: 10/18/2024

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the customer service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or ************************************************************
  
  

• Initial Complaint

  Date:08/13/2024

  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.

  I signed with Openly for home insurance in September 2022 for my newly purchased home in ***********. After moving in our premium was $1106/year. One year later the premium increased 11% to $1226, and as of September 2024 the premium will increase another 38% to $1692. There are no claims against my home. I am not in a flood or natural disaster area (hurricane, fire, tornado). I did not change the policy parameters (deductible, coverage amount etc.). I contacted them via email on August 9 2024 to request a fair premium increase and they replied with a boilerplate response that did not provide any specifics or another offer. I feel this significant of an increase is either gross negligence on the part of accurately predicting the risks of insuring my home when I first signed, or price gouging; they are counting on some of their customers to not notice the increase and rake in free cash.

  Business Response

  Date: 08/16/2024

  Thank you for contacting Openly. We appreciate your taking the time to let us know of your concerns. Your inquiry has been forwarded to the Service team and a representative from that team will contact you directly. If you have any questions in the interim, please do not hesitate to contact us at ************** or **********************************.