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    Michele Martin Insurance

    5.0 (1 review)
    Closed 9:00 am - 5:00 pm

    Services - Michele Martin Insurance

    Homeowner or property

    Car and truck insurance

    Life insurance

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    11 years ago

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    Michele M.

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    Farmers Insurance - Joseph Rouzier

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    Joseph and his team seem unethical to quote that they have never heard of anyone conducting a…read morefour-point inspection for homes over 30 - 50 years old before quoting home owner's insurance.  They made me feel that they just want to make a short-term sale with outdated, public information and inputs provided by residents, who aren't experts to know what is vital to assess and underwrite an insurance policy for protection from natural disasters.   How can they claim to sleep with a conscience by deceptively selling what they don't know if their policy covers or not without ever seeing the condition of the home or outsourcing it to their assessors?  To me, this is fraud and why the insurance industry is one that few people trust because of reps, who claim this is the only way business is done in the industry.  That may be the case, but that doesn't mean that existing business practices are ethical and/or correct until you pay a hefty premium only to realize the insurer doesn't pay for anything because they never properly assessed your home when a disaster hits. I wouldn't trust this group with even a call.  Keep doing your due diligence to find an insurer who will do the right thing to sleep at night instead of just following status quo even if it's unethical.

    Never had an issue in the many years i have been with this Agency…read more They have helped to insure many vehicles within a moment's notice while i have been at the finance desk purchasing a car in various dealerships. The few claims we have had were handled professionally and efficiently. To the person who had difficulty getting a rental car; I was practically behind the wheel of one (a nice BMW at that) before I hung up the phone with the agency representative.

    Jovia Financial Credit Union

    Jovia Financial Credit Union

    (83 reviews)

    I am filing this complaint on behalf of my mother, who is a member of Jovia Financial Credit Union…read more My mother has Alzheimer's disease and currently resides in a memory care facility in Rhode Island. Jovia Financial has locked her account and refuses to restore access unless she appears in person at a New York branch. Due to her medical condition and disability, traveling to New York is not possible. We have provided Jovia with a valid Rhode Island Durable Power of Attorney that authorizes me, her daughter, to act on her behalf in financial matters. However, Jovia has refused to accept the Power of Attorney. Despite repeated requests, they have not provided a clear legal explanation for rejecting it or identified what documentation, if any, would be acceptable. When we requested a reasonable accommodation under the Americans with Disabilities Act (ADA) because my mother cannot travel, the only alternative Jovia offered was for her to take a selfie while holding her identification. We complied with this request, but Jovia refused to accept the submission. They have not offered any other accommodation or alternative method to verify her identity, despite our repeated requests. As a result, my mother has been completely denied access to her own funds. This has caused significant hardship and unnecessary stress for a vulnerable individual suffering from Alzheimer's disease. I believe Jovia has failed to make a reasonable effort to accommodate a disabled member and has provided no meaningful path for her to regain access to her account. Their refusal to accept a valid Power of Attorney, combined with their unwillingness to provide any reasonable alternative for identity verification, has effectively left my mother without access to her own finances. I respectfully request that the Better Business Bureau assist in resolving this matter by asking Jovia Financial Credit Union to: Review and accept my mother's valid Rhode Island Durable Power of Attorney, or provide a written legal basis for refusing to do so. Provide reasonable accommodations that allow a disabled member who cannot travel to verify her identity and regain access to her account. Restore access to my mother's account without requiring in-person travel that is medically impossible. Review its policies to ensure that elderly and disabled members receive appropriate accommodations and are not denied access to their accounts because of disabilities. We have made every effort to cooperate with Jovia's requests, yet they continue to reject every solution without offering any viable alternative. We are simply asking for a reasonable, legally compliant way for my mother to access her own funds.

    I wish I could give lower than one star . They are a nightmare. They purposely take money from my…read moreaccount and send acknowledgement, only to come back with charges after 3 months. The customer service is terrible too

    Michele Martin Insurance - homeinsurance - Updated August 2026

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