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    Chip Raines - State Farm Insurance Agent

    5.0 (1 review)
    Closed 9:30 am - 5:30 pm

    Services - Chip Raines - State Farm Insurance Agent

    Homeowner or property

    Car and truck insurance

    Life insurance

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    8 years ago

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    Ray Hess Insurance

    Ray Hess Insurance

    (1 review)

    Methinks not is an understatement Did not have a good experience with the agent Ray Hess. He was…read moreunknowledgeable and misinformed about what was acceptable house condition for a homeowner's policy. Although the house roofs were new, only a year old, the garage roof (had curled shingles) still needed to be done and the agent was apprised of this condition at the outset. Hess assured me this would not be a problem since it was not over the living area. WRONGO!!! I paid in full for the homeowner's policy on 11/21/2014. Allstate subsequently informed me that the inspection took place around 11/28. Hess called me on 12/26 - yes a month later - to tell me Allstate would not accept the condition of the garage roof. He had pathetic excuses for why it took him a month to contact me - the holidays, it was dark when he was at the property (no, it wasn't, it was broad daylight when he was there, he just forgot to look at it!). I asked him to confer with Allstate about what it would take to resolve the situation and to please get back to me. He never called me back with any resolution from Allstate. Oh, and he never credited my account with the payment. Allstate has since informed me that he backed up the cancellation of the homeowner's policy to the start date. Thus I did not receive any communication from Allstate that the homeowners policy had been cancelled. Hess had my money for 47 days, it is state law in NY that a refund has to be processed within 30 days. I am looking into how I can make a formal complaint against this agency with the appropriate regulatory authority. Uninformed, won't communicate, and careless with customer's money. Not a good choice.

    Amica Mutual Insurance Company

    Amica Mutual Insurance Company

    (1 review)

    Absolutly a terrible experience. I switched to Amica based on what I thought was a fair and honest…read morequote. Turns out agent mislead me and failed to report a moving violation I reported to her and I was later greeted with a $375 a year surcharge for three years. I added collision waiver and what was once a $440 policy became $1605 a year. Do not switch to Amica. They will surcharge you $375 a year for three years for 1 moving violation. My one ticket in 10 years and they surcharge me $1225? Good news is I switched to a better carrier and they were $1000 a year less for my auto and homeowners. BEWARE. Amica agents will give you low quote to get you to switch by not reporting your past violations. Later Amica home office finds violation and you will be surcharged for three years. Very unfare and dishonest.

    From the owner: Built on trust: Protecting the important parts of our customers' lives is a responsibility we take…read moreseriously. You can trust that we'll listen carefully to you, and provide sound advice and recommendations based on your unique needs. Award-winning customer service: Forging strong relationships with customers has been our top priority since 1907. Whether you prefer online self-service or speaking with one of our representatives, we'll be here when you need us, anytime day or night. Over a century of financial stability: Since we're owned by our policyholders, we make decisions with them in mind. Our focus is on maintaining long-term financial stability so we can be there when you need us. As an added benefit, selecting a dividend policy allows you to share in our financial success. A focus on community: We believe it's important to give back to our communities, and proudly support the work of hundreds of nonprofit organizations each year. You can feel good knowing you're part of this positive impact. A lasting bond: Our customers are our best ambassadors, and we're honored that so many pass on the Amica tradition to their loved ones. The greatest measure of our success is your satisfaction.

    Chip Raines - State Farm Insurance Agent - homeinsurance - Updated September 2026

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