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    Carl E Mellen and Company

    1.0 (1 review)
    Closed 8:30 am - 5:00 pm

    Services - Carl E Mellen and Company

    Homeowner or property

    Car and truck insurance

    Life insurance

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    7 years ago

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    Kaiser / Northshore Insurance - The devastating house fire that coverage from Kaiser/Northshore Insurance significantly undervalued.

    Kaiser / Northshore Insurance

    (3 reviews)

    With P.W. Kaiser being the insurance agent for our townhouse community for 30+ years, I thought the…read morebest way to make sure I had individual coverage for my townhouse that complimented the master policy they provided to our association was to work with the same insurance agency. Unfortunately, after a house fire, I learned that there was an extreme gap between what the master policy covered and the property coverage they acquired for me. The valuation of my kitchen, for example, will not even cover the cost to replace the kitchen cabinets I had originally installed from IKEA. When I switched to coverage with P.W. Kaiser in 2021, I provided a copy of my existing policy to Chris Tomek, which had $52,000 in building property protection. Chris stated in an email to me "I will advise how to save some money without sacrificing coverage." Unfortunately, sacrificing coverage is EXACTLY what Chris did by quoting policies to me that did not contain any building property protection or betterments clause. As I rebuild after the fire, I'm at the mercy of low valuations made throughout the unit which establish how much money I have for plumbing fixtures, HVAC equipment, doors, windows, sinks, and more. The out-of-pocket expenses I'm going to incur based on my decision to work with Paul W Kaiser & Associates is going to set me back significantly. I cannot recommend this agency to anyone.

    Chris is an incredible guy. He got right on my job, and found a solution. Don't be stupid, give him…read morea call.

    Carl E Mellen and Company - homeinsurance - Updated August 2026

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