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    Proper Insurance Services - Repaired living room

    Proper Insurance Services

    (136 reviews)

    I had a major water damage claim on my rental property. It was a very hard and a very trying…read moreexperience with the restoration company but Proper insurance and specifically our adjuster Craig Hambrick were amazing. I can't say enough good things about the way they handled our claim . Craig made things quick and cut to the chase , straightforward answers, fast approvals and with compassion for our situation. I don't think I could have expected any better cooperation and service. I'd give 20 stars if I could. Anyone needing insurance for your short term rental need look no further. Proper and Craig were top notch and I am thankful that they were in my corner.

    Extremely frustrating and unreliable experience. I worked with Ian Smith to set up a policy and was…read moretold coverage would be bound on 7/24. Based on that assurance, I canceled my existing policy with another company -- effective that same date -- to avoid paying for two policies at once. It turned out the coverage was never actually processed, leaving me with a coverage gap. Since then I've had to chase Ian repeatedly by email just to get a status update, and calling customer service was no help -- I could never reach him. As of 7/24, the effective date I was given, the policy still isn't processed and I have no confirmation and no response. When someone tells you your insurance will be bound on a specific date, you make real decisions based on that -- I canceled real coverage on that word. Following through on those commitments, and being reachable when something goes wrong, is the bare minimum for an insurance provider. I can't recommend working with Ian Smith based on this experience.

    Dane David - homeinsurance - Updated August 2026

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