Customer ReviewsforAmerican Risk Insurance Company, Inc.

As a contractor within the Houston area, this company is extremely difficult to get in touch with. We work with homeowners throughout their claim process for home restorations and roof replacements. This is a high-level issue for a homeowner. Insurance companies should not be absent when trying to put the pieces together for a customer. For people looking for insurance coverage, this is definitely something to take into consideration when choosing your insurance carrier.

The most horrible place I’ve ever encountered. Will weasel out of paying a claim but will collect your money. Switching as soon as feasible

Completely nonresponsive and unreliable, Together with my mother, and I we own the property that we have been trying for two months to get the contractors paid for the service they already provided, We reached out regarding our recent claim filed due to damage caused by a leak in our air unit on June 23, 2024. As first-time claimants, we have found the process to be unclear and communication regarding the necessary steps has been sparse, provided only upon our inquiries. A more structured, step-by-step explanation would have greatly aided us in navigating this process with confidence. To add to our concerns, we received a check from American Risk Insurance with limited accompanying instructions. It was not until July 29, 2024, that we were informed of the need to contact the insurance company upon receipt of the check for further endorsement instructions. This crucial detail was buried within the documents sent by the company, and unfortunately, no one guided us through the claims process alongside these documents. Upon contacting the bank, we were advised to seek a resolution with American Risk Insurance. Our attempts to reach a representative for assistance have been met with prolonged holds and voicemails. Direct communication with a member of your team would have been greatly appreciated to address and rectify this situation effectively. Currently, the damaged areas of our home remain unrestored, with exposed flooring and walls. We earnestly wish to proceed with the necessary repairs and return to a semblance of normalcy. We have requested immediate attention to this matter and looked forward to a prompt and satisfactory resolution and have received no assistance. Now the contractors are calling me requesting that I may the payments that this insurance company should have taken care of.

A 1 rating is a stretch. My roof replacement has been completed for almost 6 months and we still have not received final payments for depreciation. We have called and emailed with no response. We also have a supplement claim where repairs were approved but the initial payment has not been received. I will also file a DOI complaint.

Shady company that will take advantage of their costumers, they will look into every pice of law to skip paying for the "service they promise to provide." If you are looking for an insurance company think twice before sing it up with them.

Worst insurance company ever. They canceled my policy 3 months after I bought my house and told me my roof was too old (???). I had to wait for a whole month to get my refund and guess what? They only gave me 980.50 out of 1327 dollars! That's ridiculous. I called them back asking for my money and I was told they charged me a fee when getting the insurance set up for my new home! I do not recommend this “lies based company” at all.

They canceled my insurance because one shingle was lifted on my roof. They didn’t give me the opportunity to fix it. The customer service is awful, they won’t even contact you when they send someone over, I’ve called because they sent a cancellation letter ONE WEEK after closing because of “nonpayment”.

Worst company ever. A tornado hit our house and ARI is refusing to replace the roof, stating we had a claim file in 2023. We did not file a claim we had a roofing company walking through the neighborhood that asked if they could check our roof we said sure. The filed a claim nothing was paid out no work was completed now ARI will not repair the roof. Not only will they not repair the roof the have move items that where damaged in the tornado to the claim from 2023 that had no damage at that time. When I called and spoke to them I was told a check was sent for the full payment I explain multiple times we did not get payment and the company that looked at the roof has called ARI to advised no payment was received nor work completed. I asked if payment was cash and the guy on the phone from ARI informed me it does not matter. They have no issue raising the cost for home owner insurance and won’t help me.

This is the most horrible customer service experience that is available on the market. Seems like only 2 agents are answering all calls. They always want you to talk to this myth of a guy called Chad. I’m running ASAP from this scam.

By Far the worst home insurance company I honestly don’t know how they haven’t been shut down I call for a roof claim and it’s been 6 months and still no word!!!! Keep calling but get sent to voicemail every single time