Homeowners Choice

They are not renewing my policy because I had a few words with my agent, Yoanys Armas, she did not get back to me with responses to 2 questions I had, I would call and leave messages and nothing, until I requested to speak to her supervisor, which never happened either and miraculously she called me back a few hours later on the same day, since I told the phone receptionist I needed an agent that works for me and is not lazy.

They reduced my protection class but she said it will still be the same rate? She sent me this via email, so I replied back that I would be looking for a new insurance company. And I'm glad I looked up there reviews because if something were to happen to my house I'm certain they would come up with some excuse not to cover it. Look at the dates on the letter and the cancellation reason.

Today is June 20, 2022, they sent this letter over year before it is cancelled. And I'm sure it is because of Yoanys Armas incompetence as an agent and has absolutely nothing to do with my property, because absolutely nothing has changed on my property.

Impossible to get them on the phone. Leaving a message or sending a voicemail has a week turnaround if you're lucky to get a return email at all. If you have a follow-up question on an email, it takes a week for a response each time.

So far, so good. I've been with this company for many years now which, in Florida, is a feat unto itself. I haven't had the need for any claims but my premiums go up every year, anyway. That's just the price of living in a hurricane state. I can easily recommend this company.

We had a problem with our roof and we got in touched with the HCI company and spoke with Joe Ellis to explain the situation, they sent an inspector to take a look and do a report, they saw the damage and right away they took action to make everything happen. Our roof was replaced and they took care of everything. Great company to have when you need it!

I also want to thank Shelia and Joe for helping us when we needed them most and for the understanding of our situation. I'd very highly recommend HCI company. If I could give then more stars I would. Thank you, Ralph and Ana Rey

I have to say that this is the first time I have ever had to go through my homeowners insurance for anything. I placed the claim 2 weeks ago. The check has already been sent out.

So you pay a bundle over the years and one day you need them to respond accordingly and they won't abide by what is written in black and white. Unbelievable! I was told this was one of the "good" insurance companies that would have your back when it was needed. Big fail! Big fraud!

As an agent in a very tough market, Homeowners Choice Insurance is professional, responsive and extremely helpful. Between the daily non-renewals and the closing of Gulfstream Insurance, HCI stepped in and assisted us with replacement coverage for our clients. Would highly recommend HCI to anyone looking for homeowners coverage.

Originally I had my homeowners insurance with another company and got transferred to homeowners choice. Have terrible customer service and the adjusters treat you like you do insurance claims all the time, therefore you understand their jargon. In addition to that they raised the rates. Shopped around and was able to get our homeowners insurance plus flood insurance for LESS of what homeowners choice were charging us.

I paid my premiums religiously and when the time came for them to hold up their end of the contract, they did everything they could to avoid their responsibilities. I had damage from a hurricane. Their claims adjusters would not return my calls or emails and when they finally decided to pay, the amount they gave was criminal. I had to hire a publix adjuster and then the emails and responses became rude.

Do not use them if you ever expect them to be professional or do what they say they will. Edit 05/11/21: I want to warn everyone about this company's business practice. I was offered 10% of my claim today by Eric to settle my claim and another 2500 if I changed my review. Not only have they never responded to the email they requested I send, but then they try to offer me money to change my review so people wont know what to expect if they use this company. This is unethical business practices and I cannot recommend them in any way.

Recently my 93 year old mother sold her condo in Florida. She had paid her homeowners insurance a quarter ahead. We completed the paperwork to cancel and request a refund using the forms they supplied. It turned out It was an outdated form with an incorrect address. After two months I called and they informed me they had not gotten the form. In the meantime we got a cancellation notice for non payment.

We filled out the forms again a month ago. No refund. We got another cancellation notice from the same person. Numerous phone calls confirming information and receipt of form, still no refund. It is not clear to me if this is just sheer incompetence or an attempt to hold onto $ that should be refunded. Do not recommend this insurance company.