Accident Insurance
SeaHarbor Insurance Agency LLCThis business is NOT BBB Accredited.
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Complaints
Customer Complaints Summary
- 67 total complaints in the last 3 years.
- 23 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:07/08/2025
Type:Service or Repair IssuesStatus: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 May 20, 2025, our vehicle was involved in a traffic accident in which it was rear-ended by a client insured by SeaHarbor Insurance Company. SeaHarbor has acknowledged that their insured was at fault, and we promptly submitted a claim following the incident.Despite this acknowledgment of liability, SeaHarbor has failed to take appropriate action to resolve the matter. Our vehicle has been at a ******-certified repair facility for over a month, awaiting authorization for repairs. We, along with the repair shop, have made numerous attempts to contact SeaHarbor via phone and email to obtain approval for the necessary repairs and related costs. To date, these communications have gone unanswered.Additionally, SeaHarbor has not provided us with a rental vehicle, nor have they facilitated any alternative transportation assistance. At one point, they issued a check for an amount significantly below the repair estimate provided by the repair facility, which we declined due to its inadequacy.We are seeking immediate assistance in compelling SeaHarbor Insurance Company to respond, approve the repair costs, and provide appropriate support in accordance with their responsibility in this matter.Business Response
Date: 07/09/2025
On June 18th and June 30th the Company's adjuster spoke with the claimant on this claim who is the Consumer's son and discussed the repair estimate and the supplement process and he confirmed his understanding. On July 9th, the Company's supervisor spoke with the Service Advisor at the Consumer's repair facility to explain the supplement process and obtain a copy of the supplemental damage estimate. The Service Advisor advised she would submit the supplement for review. On July 9th, the Company's supervisor attempted contact with the Consumer who was unavailable and spoke with the Consumer's son and advised him that she had spoken with the repair shop and addressed the supplement. The Company's supervisor again advised of the rental reimbursement process. The Consumer's son confirmed his understanding and advised he would update the Consumer. The Company's supervisor provided her contact information and advised that if either the claimant or the Consumer had any further questions to contact her directly.Initial Complaint
Date:06/30/2025
Type:Service or Repair IssuesStatus: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 was involved in a accident with one of their insured and The insured was very compliant and let them know he was at fault and they denied the claim and canceled his insurance policy because they didnt want to take responsibility.Business Response
Date: 07/02/2025
Upon completion of our investigation, it was determined that coverage was not in force on the date of loss. This information was provided to the consumer and the consumer's attorney. The claim has been closed.Customer Answer
Date: 07/02/2025
I am rejecting this response because: I am rejecting this response because the insured policy was active at the time of the accident. He also made another payment to the insurance company after the accident. His policy was canceled almost a month later after the accident. The agent at the insurance place also stated to me that she would not have been able to take the insured payment if his policy was not active. If you read Seaharbor insurance reviews that have been doing every body that files a claim like this. The agent that works at the insurance company said herself the policy was good and active and Seaharbor should be liable for my claim. The accident was on 6/01/2025 and the insured made a payment on 6/18/2025 and his policy was still active and his payment was accepted and then because Seaharbor didnt want to be liable they canceled his policy and refunded some of his money. My point is the policy was definitely active at the time of the wreck. I just want my vehicle repaired because I was hit by their insured.Business Response
Date: 07/02/2025
The Company's claims adjuster advised the consumer in a June 4, 2025 phone call that there was a pending coverage issue that the company was investigating. The consumer was subsequently advised that the Company's coverage decision remained pending and under investigation on June 6, June 16 and June 23. The consumer's attorney was also advised of a pending coverage issue on a June 17 phone call. After a thorough investigation, it was determined that the policy was not in force on the date of loss and that no coverage existed for this claim. On or about June 25, the Company advised the consumer and her attorney that its coverage investigation was complete, that it had determined there was no coverage for the loss, and that the claim would be denied. This determination is notwithstanding the alleged statements of the counterparty to the accident or the unidentified agent in the consumer's rejection. The Company thoroughly investigates all claims and handles them in accordance with the terms of its policy and Texas law. The Company has no further information to offer regarding this matter and has closed its file.Initial Complaint
Date:04/23/2025
Type:Sales and Advertising IssuesStatus: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 copy is lying. They just dont want to pay. I was reared by one of there insured . Both adjusters called me on April 18th to get started etc. I confirmed with on of the adjuster if the driver had coverage he stated yes. I send in all the documents etc, and get a call today from ***** that drivers doesn't have coverage and that I need to file it on my ************************* the scene of the accident the police stated to me that driver had coverage. I asked ***** so your calling the officer a lier. Now I am without pay because I've been off my job , medical bills etc.Customer Answer
Date: 04/24/2025
My insurance claim was denied 04-23-25
I was rear ended by one of their insured customers . I spoke with claim adjuster ******* on 04-18-25 (auto damage) and ***** same day regarding medical bills, compensation missing work etc. The day I spoke with ***** he confirmed that the driver had insurance just wasn't sure of coverage amounts etc. I send in all the paper work ,etc. Now remind you I spoke with ***** on 4-22-25 to let him know I was sending over documents. He didn't say anything about driver not having insurance. On 04-23-25 ***** from Sea harbor insurance called and said insurance claim was denied and that I need to file on my insurance. At the scene of the accident the police verified the driver insurance. The driver was given a citation but it was not from having insurance coverage. I believe Sea Harbor is falsifying information because they don't want to pay
Business Response
Date: 04/25/2025
A customer representative has attempted to reach out to the complainant to respond to her complaint.Customer Answer
Date: 04/28/2025
I am rejecting this response because: The police department runs a *** report to verify insurance coverages. On the day of the accident is was ran and showed proof of coverages and on April 24th it was confirmed again by he officer at the scene that the vehicle was still covered under that same insurance company through that same report system. On Friday April 25th I received a call from the insurance trying to explain to me why the claim was denied.The.lady stated that coverage wasn't available on the day of the accident and that Police officers don't have access to verify insurance coverage without calling the insurance company . In which I knew that was inaccurate information.I shouldn't be liable for someone else fault. This insurance company reviews are very bad and many not at fault people have experience if not the same thing similar responses of claims being denied.Business Response
Date: 04/28/2025
The complainant acknowledged on 4/25 that she was advised when her claim was filed that there was a pending coverage issue. Information reported to the state financial responsibility verification database is not determinative of coverage, which depends upon the facts and circumstances of the accident and policy issuance. The driver who was involved in an accident with complainant was not listed on any policy of insurance issued by the Company. Accordingly, the Company disputes that the financial responsibility report showed coverage for the subject driver. This claim was denied because coverage was not in force and the Company has closed its file.Customer Answer
Date: 04/28/2025
I am rejecting this response because: Now you guys are saying that he was covered but I called on April 24th and asked the representative that answered the phone was it an issue with the driver not being on policy or was it just no coverage. On a recorded line she stated it had nothing to do with driver not being on policy but that it was just no insurance coverage on that day of accident. I have the date, name of person I spoke to and the time I spoke with them that confirms that someone is lyingBusiness Response
Date: 04/30/2025
Our records do not reflect a phone call with the consumer on April 24. As set forth in our prior response, the consumer acknowledged on a recorded phone call on April 25 that she had been advised of a pending coverage issue since the beginning of claim handling. The consumer was advised that the claim was ultimately denied because it was determined after completion of our investigation that coverage was not in force on the date of loss. This determination is notwithstanding the alleged presentation of an ID card or any statements of a police officer at the scene of the accident. The Company has no further information to offer regarding this matter and has closed its file.Initial Complaint
Date:03/30/2025
Type:Service or Repair IssuesStatus: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 August 9, 2023, between 6:45 PM and 7:00 PM, Sea Harbor's client, ***** Ray **** of *********************************************, phone number ************, damaged my vehicle by following too closely behind me, accelerating his vehicle, and caused damage to my vehicle by hitting it as we both drove on Interstate Hwy 287. Mr. **** was driving a brown **** 4 door SUV when he damaged my vehicle, VIN: 2FMGK5CC9BBD259 82. After ***** Ray **** damaged my vehicle, he and two young boys between the ages of 7 and 10, exited his brown SUV to ask me if I was okay. I also exited my vehicle, noticed substantial damage to my car, and asked Mr. **** if he had insurance and he presented his Sea Harbor Insurance card with his name, policy number, and address on it to me. During our conversation, Mr. **** repeatedly apologized for damaging my vehicle, but apologizing doesn't refund the $500.00 deductible I was forced to pay for an accident I did not cause. Had I known at the time of the accident, that Mr. **** would be dishonest (lie) about damaging my vehicle, I would have called the police and would not be filing this complaint because he did not tell his insurance company the truth. Instead of admitting to damaging my vehicle, Mr. **** told his insurance company that, "I ran into a wall" which is not true! When I spoke with one of Sea Harbor's insurance representatives, she was very defensive, belligerent, rude, refused to listen to the truth about how ***** Ray ****, her client had damaged my vehicle, and immediately closed the *************** would not need to return the $500.00 deductible. Therefore, I'm requesting that the $500.00 deductible be returned to me by Sea Harbor Insurance, or by Mr. ***** I believe that he was using his cell phone at the time he damaged my vehicle and was not focused on driving. Sea Harbor needs to stop insuring clients that are not responsible if it doesn't want to pay for damaging caused by their clients. I would like to pick up the refund.Customer Answer
Date: 06/07/2025
I accidentally put the incorrect date on the report I submitted. The correct date of the car accident was August 9, 2024.Business Response
Date: 06/13/2025
In response to the consumer's complaint, the Company reopened its investigation into this incident and reevaluated its liability determination. While the Company maintains its original liability determination was correct, it acknowledges that this may be situation of shared liability between the consumer and the Company's insured. Accordingly, the elected to reimburse the consumer's $500 deductible as a business decision to resolve this complaint. The Company reserves and does not waive any arguments of shared liability and will assert such arguments if and when the consumer's insurance carrier seeks subrogation.Customer Answer
Date: 06/13/2025
I am an honest person and Sea Harbor's client did hit my vehicle. Thank you or helping me recover my deductible. Hopefully, Mr. Moss will be honest the next he causes damage to someone's vehicle. I hope it never happens again.Customer Answer
Date: 06/17/2025
Hi!
Last week I received a phone call from a representative of Sea Harbor Insurance to confirm my address and to confirm that I will be receiving the $500.00 deductible that I paid to have my car repaired as a result of Mr. Billy Moss hitting my vehicle, and causing approximately $8,300 worth of damage. I will email you once I have received the check. Thank you for helping me recover my deductible.
Initial Complaint
Date:03/25/2025
Type:Delivery IssuesStatus: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 company has been giving me the runaround. I just want to get the money that is owed to me. I have been waiting for my refund check for three months now, and despite being told multiple times by your employees that it has been mailed, I have yet to receive it. This delay is completely unacceptable.The behavior of the adjuster, ***** (or KiaI'm not sure of the exact name), was especially troubling. Not only was she rude, but she also hung up on me when I was simply trying to resolve this issue. When I asked for assistance, she told me that she does not work for the post office and that the delay is not her responsibility. This kind of response is completely unprofessional, and its not how clients should be treated.I have also requested that a supervisor or manager reach out to me, but to no avail. The lack of follow-through has only added to my frustration. I would appreciate it if someone could contact me at as soon as possible to resolve this ******** is my hope that ***** (or **** is retrained in proper customer service, as the way Ive been treated is unacceptable. At this point, I feel like I'm at the mercy of your company, and this is no way for a customer to feel.Business Response
Date: 03/27/2025
A refund check was originally issued and mailed to the consumer on 2/14/25. On 2/24/2025, the consumer requested that the check be reissued due to an error in the payee name. The insured was advised that it would take 2-4 weeks to reissue the check. On 3/25/2025, the insured contacted Seaharbor and the check was reissued and mailed on 3/26/2025. We regret that the consumer was dissatisfied with the level of customer service provided in the initial call. We have internally addressed the proper routing of inquiries regarding consumer refunds in order to avoid future confusion regarding such matters.Initial Complaint
Date:03/15/2025
Type:Service or Repair IssuesStatus: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.
"Claim number C0154561. The insured hit the back of my vehicle, and the adjuster said it's hard to get in touch with them. I've seen 86 bad reviews and ***************************************************, all saying the same thing. Now they're trying to say we can't reach out to our insured and are denying my claim. I'm giving you guys two more weeks to resolve this before I take legal action. I hope you can handle it before I have to go that route."Business Response
Date: 03/17/2025
A review of this claim file indicates the Consumer was advised that coverage was denied for this claim. The coverage was properly denied in accordance with the provisions of the insurance policy and Texas Law.Customer Answer
Date: 03/17/2025
I am rejecting this response because: Because already you have my information and a lot of times we talk regarding this situation, and Im owner **** fiesta 2019 , you can talk to your adjuster ******* , she has more informationBusiness Response
Date: 03/18/2025
SeaHarbor Claims Supervisor has been in direct contact with the Consumer to address his concerns.Initial Complaint
Date:02/28/2025
Type:Billing IssuesStatus: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.
I was misled by Alpa Insurance into purchasing a Sea Harbor policy (SH855100) instead of the Progressive coverage I initially sought. Upon discovering this bait-and-switch tactic, I canceled the policy within 24 hours and was assured of a refund, excluding the initiation fee. Despite these assurances, I have not received my refund and have been met with unresponsiveness from both companies. I am seeking assistance to obtain my rightful refundCustomer Answer
Date: 03/04/2025
Name: sea harbor
Address: **************************
75063email: *************************************************************************************************************
contact: **********
and Alpa Insurance
address: ************************
*****, ** 75074
*************contact:*****************
My policy was active for less than 24 hours before I canceled it, yet I am now facing excessive charges and an unfair withholding of my funds.
When I initially set up the policy through ALPA Insurance, the representative failed to fully explain all terms and conditions. Due to this lack of transparency, I unknowingly entered an agreement I would not have agreed to under proper disclosure. Upon realizing the situation, I canceled immediately, expecting a fair resolution. Instead, I am now being penalized for a policy that was barely in effect.
policy number: SH855100Business Response
Date: 03/07/2025
The consumer purchased a SeaHarbor policy on 1/22/25 at 2:08pm CST through her agent, Alpa Insurance. At the point of sale, the consumer made a down payment which included a $78 fully-earned and non-refundable policy fee. The following day, on 1/23/25 at 4:08pm CST, the agent issued a cancellation request for the policy for the stated reason that the consumer had found a better rate with a different company. In response to the cancellation request, SeaHarbor immediately cancelled the policy and issued a refund of unearned premium in the amount of $59.50. A check was issued to the consumer and has been cashed (see attachment).
On 2/5/25, the consumer contacted SeaHarbor policy services regarding her refund. SeaHarbor explained to the consumer that her refund included all unearned premium and that the policy fee was non-refundable and fully-earned for the coverage that had been provided. The consumer was advised that because the policy had been in force for over a day, the only way to flat cancel the policy and issue a full refund would be if the consumer provided evidence of duplicate coverage. The consumer advised SeaHarbor that she could not provide evidence of duplicate coverage as that did not apply.
SeaHarbor provided coverage, honored the consumer's cancellation request and refunded all unearned premium due to the consumer in accordance with applicable law and regulations. SeaHarbor was not involved in the sale process, nor did SeaHarbor provide any assurances to the consumer regarding her refund upon cancellation. SeaHarbor was not involved in any alleged "bait-and-switch" nor did SeaHarbor make any assurances regarding a refund of the policy fee. We regret that the consumer was not satisfied with SeaHarbor's previous explanation. However, the consumer's complaint appears to involve communications between her and her agent.Customer Answer
Date: 03/07/2025
I have reviewed the business response and accept this resolution. I will continue to take my issue up with Alpha Insurance as they were the one who provided me with false information. I never stated I found better insurance, my agent never applied me for the correct insurance which was originally the better insurance from the start.Initial Complaint
Date:02/19/2025
Type:Service or Repair IssuesStatus: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.
Their insured ran into my vehicle.Accident end of November 2024. Police report, witness, video and pics of accident. Police said it was insured fault. Hard to get in touch of claims adjuster. Took forever. Very unprofessional. I don't even think the adjuster did her job like get the police report and evidence. Finally said claim was denied because they couldn't get in touch if their insured. If we have all the proof, why won't they fix my car like most decent and honest insurance companies? Crazy SEAHARBOR INSURANCE Claim #C0150821 Policy # SH795843 Insured Name ****** Lafita ****Business Response
Date: 02/19/2025
A claims representative has reached out to the Consumer to discuss the substance of his complaint.Initial Complaint
Date:02/15/2025
Type:Service or Repair IssuesStatus: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.
Urgent Request for SeaHarbor Insurance Claim ResolutionClaim CO152009 I am writing to express my concern regarding the handling of my claim (CO152009) for an accident that occurred on December 23, 2024. On that date, while I was sitting at a red light, my vehicle was rear-ended by another driver. The police were contacted, and a report was filed.I filed my claim on December 26, 2024, with SeaHarbor Insurance. On December 27, 2024, I received a return call from the claim adjuster who took the details of the accident and informed me that they would contact the policyholder to determine fault.After not hearing back for several days, I followed up on January 6, 2025. On January 7, 2025, the claim adjuster confirmed that the policyholder was at fault and that arrangements would be made for repairs. On January 8, 2025,I delivered my car to the collision repair shop on January 13, 2025, and arranged for a rental car. However, I was informed that I would need to pay for the rental car out of pocket, as SeaHarbor Insurance does not have a partnership with a rental *********** of today, February 14, 2025, I have attempted to reach my claim adjuster numerous times without receiving any updates. My vehicle remains unrepaired, medical expenses remain unpaid, and the collision repair shop has not been compensated. In addition, I continue to incur substantial costs for the rental car. The repair shop has informed me that additional repairs are needed, and a supplement for payment is required to complete the repairs.I kindly request that you expedite the processing of my claim so that my vehicle can be returned to me in excellent condition, my medical expenses can be paid/reimbursed, and the repair shop can be paid for the work completed. The delay in resolving this matter is causing significant financial strain, and I would greatly appreciate your prompt assistance in bringing this claim to a satisfactory resolution.Business Response
Date: 02/18/2025
A claims representative has reached out to the consumer to discuss the substance of her complaint.Initial Complaint
Date:01/04/2025
Type:Service or Repair IssuesStatus: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 the claimant notes: Monday approx. 550 pm: A hit and run car ran into my iron wrought fence ruining approximately 60 ft of 5-foot fence and a remote automatic gate controlled 12 ft gate that operated on a rail. Gate can not be opened or closed resulting in we can drive one of our vehcilces out and can not drive our other vehicle into our driveway.Vehicle was left at scene, driver left scene. Police were called and they filed report of the accident and had car towed. Police traced car to have insurance with SeaHarbor Insurance Agency. and gave me contact information. Tuesday, we called SeaHarbor Insurance Agency to file a claim- Claim # Co152199 @ ************. Agent stated that Adjuster would be getting to me Thursday or Friday. By Friday afternoon, no response from Adjuster. I then called Friday afternoon trying to get to adjuster. Secretary said she would pass my number top adjuster and that adjuster would be calling me soon. No call back so I called back to number of adjuster and no answer and no response. I called back later when adjuster had not called back; still no response. I called agency back asking to speak to supervisor, no anwser so secretary gave me number and I called and left message; same result no call back. I called supervisor number given to me; same result; no answer. I then called agency back asking to speak to manager and also request for manager number. Same results; no answer and no call back. Here we are on Saturday and agency is closed and have not received a call back. Monday will be a week already and we cannot drive in; have to physically squeeze in to get in and have to lock gate with chain for security reasons. PLEASE ADVISE US SENIOR CITIZENS ON HOW I CAN MAKE A CLAIM AND RECEIVE PAYMENT FOR MY IRON WROUGHT FENCE, GATE, AND AUTOMATIC GATE OPENER. Thank you for your assistance.Business Response
Date: 01/10/2025
Thank you for the review. SeaHarbor has assigned a Claims Specialist to review this claim and to address it directly with the Consumer.
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