First and foremost, avoid this insurer at all costs, because if you file a claim it will be costly to the homeowner. Went through Ian at my place in Cape Coral, Fl. Had a 13 month claim resolution to get my claim, less the 2% deductible. The worst weekly negotiation process on anything i have had to deal with, incompetent claims people that get paid IF they get you to settle for the sake of expedition and you eat the remainder. Got my claim paid, and just cancelled Peoples and went with another company, saved $1150 in annual premium. This company doesn't care one iota, it's just their bottom line.......oh, I forgot, they due send you a free annual calendar.....lol read more

If I could give them a zero I would. I do not live in a flood zone, no claims ever, brick home, roof less than 10 years old. Premium just went up OVER 200%. So much for using a privately held insurance company, no shareholders to answer to. read more

The worst ins co on the planet i dont know how they sleep at night.Class action is what were working on they paid out 118,000 from a 560'000 claim the only thing there rapid responce team did is cause more damage.We were just after all this canceled for not replacing our roof?There rapid responce team came and replaced a few shingles no tarping.We just had a roofing co come and inspect our roof they said it was perfect about 13yrs old.Im reading a law i believe passed in 2022 that they cant cancel you for the roof thats perfect? read more

Never filed a claim and yet they jack up the cost every single year! They gave their customer service over to TopLine Insurance. What a joke! TopLine ignores emails. You know what got their attention? I got their attention when I told "Bob" to cancel the policy immediately!!! "Bob" got an attitude with me and now says we have to sign papers to cancel the policy! I've contacted the Insurance commissioner! read more

I have a roof claim since December 15th, and as of December 27th they already received the report from the Adjuster. I have not had any news from the Desk adjuster we have been calling him for the last 4 weeks. We are desperate to get this roof, and fence fixed as well as AC cover. I emailed the company email, and it was delivered back to me. I have called Claims today 2 times, my husband spoke to the Desk Adjuster. They are saying that the initial claim was returned to be fixed, and the Adjuster is saying he doesn't know what they are talking about. Overall very dissatisfied and not impressed with the overall professionalism and how communication is handled here. I wish to know if this is a legit company and if there is any employee that have a more efficient relationship with their customers. read more

This insurance Co. is a joke. I have never file a claim and they increase my policy. Thank God I own this house, no mortgage and the bs that comes with it. You all are thieves and opportunistic. NEVER AGAIN!!!! Stay away from them, I wish I can give 0 stars. read more

Do not ever use People's Trust Insurance Company as your homeowner's insurance. In the past two and a half years, I have submitted two claims. One for hurricane Ian and the other for hurricane Milton. The hurricane Ian claim took approximately 11 months to settle. I tried to work with People's Trust Insurance on my own to no avail. They continuously lowball my repair and replacement invoices and eventually I had to hire a public adjuster for a final resolution. The public adjuster cost me 10% of the final settlement. The hurricane Milton claim is ongoing with little to no results. I submitted a repair claim and provided an invoice for outside A/C compressor repair due to electrical surge. They declined that claim and blame the cause of the damage to the local electrical company. I submitted a repair claim and provided an invoice for the Sliding Glass doors they declined the claim and blame the cause to earth movement. I submitted a replacement claim for the house front double doors. That damage was noted by PTI's contractor inspector on 10/24/2024 at 9:00 AM. Conveniently, Peoples Trust Insurance company failed to acknowledge the house front double door claim. PTI's report noted "no roof or pool enclosure damage". I never submitted a claim for the roof or pool enclosure. I submitted an Alternative Dispute Resolution, Department of Financial Services, Division of Consumer Services. I am waiting for them to respond. PTI is the obsolete worst Home Owen's insurance company in the State of Florida. It's Customer Service department is abysmal. read more

They dropped our policy before the hurricane through very short notice that we had to reroof our house within a month, or they would not renew our policy. BTW we never filed any claims! Make the story short we just had our roof totally reroofing from our own pocket and they still did not want to renew our policy. They used the term "Notice of rescission" ... Well, guess what we found another insurance K.in, and we save more than $500!!! For that I should thanks PTI for helping to look for better options. Folks, there are always options out there. We jus have to search for reasonable + fair ones. Good Luck and don't be panic + discourage. read more

you bill me for a 2012 year old roof for five years, my roof is only five years old and you say to late for 4 years you will fix this year payment only 2025 read more

Do not use Peoples Trust Insurance Company and Importantly don't trust this company they are a scam. I have cosmetic issues with my bathroom they took a years worth of insurance premium then they cancel my policy and they violate Florida law as they're supposed to give you 120 days cancelation notice and are only giving us 2 weeks before they cancel our policy during Hurricane season. Governor DeSantis if you really care for the people you serve you should never allow companies such as this one do business in the state of Florida. Please beware of Peoples Trust as they dishonor that name. read more

They hold the RRT over your head if you try to get a faster contractor fix you hurricane damage. Very deceptive practices. read more

Receiving decent service from this company is impossible. We suffered damage from hurricane Ian and still have no help from company. Florida's regulators are at fault for allowing an insurer to have its own repair company. Lawsuits abound. read more

Four days after Hurricane Michael we were allowed back into Panama City and to our house. We are in the military with our immediate family in Ohio. Ceilings fallen in. 3/4 of shingles gone, paint dripping off the walls, 11 pine tress and one oak uprooted, sheds in swimming pool, window blown and waterfall coming through roof when its been raining. I called Peoples trust as soon as I got to our house. I asked them for help and they replied "WHAT DO YOU WANT US TO DO?" Neighbors who had other insurance were taken care of by their insurers with at least $2500.00 initial living expenses which I explained to individual on phone. Her response was "Don't you have a neighbor or family you could stay with?" I new right then I was screwed. They sent an adjuster from Minnesota who knew nothing about hurricanes. After a public adjuster and lawyer they finally relinquished funds 19 months later. Today, 29 August 2020, is the best day we've had since hurricane Michael because I canceled Peoples Trust. Not because we fixed our house but because they put us through so much hell that we didn't want to live in our house anymore and sold it as-is. To many terrible memories from the whole ordeal and we did love our house. Hurricane Michael, CAT 5, did not even compare to the hell Peoples dis-Trust put us through. Ill take a hurricane over this insurance company any day of the week. read more

This company is a nightmare to work with! This is the 2nd time I've received a pay up or you're canceled notice! I called and let them know that I never received a bill and showed the payments that have been made so far. "We're sorry someone told you wrong by saying you're paid up." The last payment I made shows me paid in full through Oct 2022. This company is VERY difficult to work with. I'm going to cancel! read more

A Mr McQueen cantacted us today asking for Receipts for items damaged from the tree That fell on the house in 201(5. Those receipts Were offered to the adjuster when the house Was finished finally. They were turned down By the then adjuster. The only reason that we Heard from Mr McQueen was because of posting Comments on yelp. Why we still have those receipts After almost 3 years since the damage. Especially When he talked about depreciation of those items That were damaged. Please avoid this company At all cost. Don't make the same mistake that We did. read more

We noticed cracked grout in our shower & were paying a company to re-grout but when they removed some of the looser tiles we saw mold. So we had them stop work. We called People's Trust and filed a claim, the adjuster came out and said there was no mold & they offered to write us a check for the rebuild but said it would be the only check, even if they found additional damage, or mold once they began work. We saw mold, so we asked if they could do a mold test, they said that we could hire someone to do so and they'd pay for it. (we did, they haven't paid it yet) The mold test came back positive for 3 different kinds of mold including BLACK MOLD - a known neurotoxin! So the testing company sent results & notified PT that we needed immediate mold remediation and a re-test before rebuilding. So... did they offer us that check and tell us we had no mold just to get out of fixing it correctly? I wonder...? After having to admit that YES there is mold, People's Trust then offered to write us a check but upon inspection of their itemized list we found many missing items, or drastically underpriced compared with what it would actually cost to replace. Example they had $31.83 budgeted to replace a 4'3" slab of marble for the windowsill when online prices started over $200. Again, just one example. So after six weeks of back-and-forth with our claim rep Scott Koster, we requested they cut us a check to begin the remediation and we could continue getting estimates for the rebuild, that way we wouldn't have to be living in a moldy house and putting our health in danger. To make a long story short, Scott became agitated with us and then insisted that we could only use their 'preferred contractor' Rapid Response whom we had a very negative experience with a few years ago on another claim because of shoddy workmanship and careless disregard for our property. In short, they damaged something every time they "fixed" something. (For example: they installed our kitchen cabinets so crooked that we had to return a new refrigerator because the gap between the cupboard was narrower at the bottom than the top and it wouldn't fit, not to mention the bizarre way they installed our tile and un-level countertops. There are so many more examples such as all of the plumbing work was done by a journeyman - at no time was a plumber on-site! So now we have to hear a big 'thunk' in our wall whenever we use the water, we have hot water going to our ice maker & fridge and when we use the hose outside we hear a loud wailing shriek like a 'yak in heat') We discussed this at length with Scott, but apparently every word fell on deaf ears! Scott then proceeded to claim that they never offered to write us a check at all while at the same time blaming us for the delay because we hadn't finished getting an independent estimate for the rebuild. Uh... why would we have needed an estimate if you weren't offering us a check again??? Needless to say it's been a lot of us calling and them not calling us back. Including today, we were promised that we would receive a call from his supervisor Natasha Sam-Brown... here it is 6pm and no call. Here's my shocked face O : = Meanwhile, we've been sleeping in the spare bedroom and using the spare bath since the end of May/2019... I count myself lucky that we have them or I don't know what we would do. After reading the other yelp reviews here today, it's obvious People's Trust does not take our complaints seriously, or their reputation. So today I also have filed a complaint with the BBB https://www.bbb.org/ and am mulling whether or not to file one with the State Insurance Commissioner. I encourage all who are leaving comments here to do the same. As for a resolution, I just want my house back, mold free. And I don't want to use their contractor because of our past bad experience with them. It really doesn't seem like an unreasonable request especially since they offered us a check at first... it's only now they are backtracking and giving us the runaround. read more

See all

I made the switch to Peoples Trust Insurance and it started bad from the beginning. Shortly after I sent them the initial payment to insure my Home P.T.I. threatened to cancel me if I did not hire a roof inspector to prove to them the roof had at least 5 years life. At my cost of course, they love spending your money as I will get in to later. I did so, the roof checked out fine. Fast forward 6 years later to the spring of 2021. Peoples Trust threatened to cancel my policy if I did not replace my roof due to its age. I decided to spend a bundle uncecessarily on a perfectly good roof not only to keep my policy effective but to move to another insurance company come renewal. I have been a homeowner for 40 years (NEVER MADE A HOMEOWNER CLAIM EVER FROM ANY COMPANY) and all P.T.I. does in return is threaten to cancel my policy while I write them checks. I have Zero confidence in them if I had to make a claim. Besides buying a toof I did not plan on I also got the added bonus of a $500 price hike this year. Age of home? I was told. ?? Its was built 21 years ago???? Sound Old??? They are bullies, they get you to spend your money under threat of cancelling your policy. DO yourself a big favor and look elsewhere. read more

A hurricane arriving and they don't answer the phone. I reset my password in the website and it doesn't work. Bad customer service. Cheap price and poor service. read more

I have had them for more than ten years. My first complaint is rate hikes. Second is inspections and demands. Third is when you make any attempt at a claim they will very creatively deny or minimize any coverage ultimately leaving you holding the bag. God forbid you have anything happen to your home if you have PTI. They will drop you like a bad habit after the first claim. read more

No Way in Hell I would recomend them. I had mold on my house and they didn't do anything about it. Other companies send a mold company to take care of business, Peoples Insurance Rather have their customers get sick. Keep Away UPDATE I spent two months back and forth attempting for them to fix the mold issues and I ended up taking care of them by myself. Now that my opinion goes public they want me to contact them... What a joke they are... read more

Seems like my awful experience is not unique. We began coverage with PTI 07/31/2019 after our premium with Velocity went up pretty substantially. Ended up saving $50 per month which seemed great! I received a notice at the beginning of August saying they'd be sending out a field inspector to go through our house and make sure everything looked good. This was a new purchase in 2017 so we had a valid full home inspection, four point & wind mitigation ready, but they insisted on sending "their guy". He came through was very polite and said everything looked good to him and we should expect to be free and clear to continue coverage. Then I received a letter a week later stating that "due to the age and condition of the roof a complete re-roof would be necessary to continue coverage" Ok. That's surprising. Any way around this? Nope! And now that we had this letter, no carrier would pick us up. We knew we would eventually need to re-roof, but to have a sudden big expense dropped on us just so we could save $50/mo on our premium was a shock. So I started getting quotes. Every roofer that came to our house said we didn't need to replace our roof yet and asked why we were doing this. They said the roof was in acceptable condition and they'd do the re-roof but it wasn't necessary at this time. Roofers. Professionals. People who work for money were telling me that re-roofing was unnecessary. Living in SWFL we're in a hurricane zone, we watched Irma roll through so not having insurance is not an option (we're in a mortgage too so it's a requirement for that) So we bit the bullet and do the full re-roof. Complete tear off. One 2x2 foot square of plywood had to be replaced, that was it. The roof was in great shape. Had a brand new roof put on all to current hurricane codes with proper nailing and an additional water barrier placed between the asphalt and the OSB plywood. Just got my renewal notice this morning and guess how much that full - to hurricane code - with additional water barrier reduced my premium? $0. I got zero dollars off my premium for a mandatory and unnecessary re-roof. Trying to find a new carrier but it's the middle of hurricane season so no one wants to bind coverage right now or is already at their maximum risk. Beware if your broker suggests using this company and look elsewhere. Unless something drastic changes we'll be looking for a new carrier ASAP and I pray that we don't have to file a hurricane claim this year because I know based on what I've read here and in the news that it will be a struggle with this company. read more

I've had my homeowners insurance with People's Trust Ins Co for many year's now. I received my renewal invoice on March 25th, 2020. They raised my rates from $3700 per year to $6865 per year for no apparent reason. Never filed a claim, passed a full point inspection with one minor change, a leak under my bathroom sink as well receive discounts for hurricane shutters, autopay and no late charges. When I contacted them to ask why the sudden MAJOR price increase their response was "it's just a rate increase and contact my broker". With the Coronavirus reaking havoc and many of us out of a job I believe they are price gouging. BUYER BEWARE OF THIS COMPANY!!! SHAME ON YOU PEOPLE'S TRUST INSURANCE CO. read more

Very disappointed. They raised my homeowners rate by $500. They claimed they had a lot of claims from the last hurricane season. I didn't even have a claim. My deductible is so high, it would have to be a cat 5 sitting directly over my house in order for me to get any money from them! Look elsewhere for insurance! read more

By far the worse insurance company! Please, call your agent and Find a better Insurance company! My daughter has been out of her house for 3 months! The so call Rapid Response team is a Joke! They tear up more than they fix! She is on her 3rd adjuster! The adjuster even went so far to say if you hire an attorney, they will not fix anything! After three months of lies, she is hiring an attorney! Also filed a department if Insurance complaint! Please take these reviews serious! read more

Horrible company. Paid on time every time and a hail storm caused some damage to my home. I made a claim. They sent an adjuster. Then emailed me a copy of what the claim payout was. Told me a check was on the way. Three weeks later I call because I never received the check and only at that point was I told that they decided to cancel my policy dating back to the start date of six months ago. They said they would mail me a check only for what I had paid in for the premium and not paying the claim. I had to pay out of pocket that day for a new policy with another company so I didn't have any more lapse in coverage since I was never informed I was sitting without insurance since they decided to cancel me for I don't know what Reason. So I'm out a new policy payment of 1300 as well as paying out of pocket for new windows, porch screening and siding from the hail damage. read more

Update: I just want to say that I am a first time homeowner so excuse me if I am new to this. We spent many conversations with the field adjuster and 3rd party contractor only to find out that "they do not know what's going on yet" and "my roof is in great condition". Lol 4 weeks later, the adjuster of my policy calls to tell me that rusted screws on my ridge vent are at fault and thus the policy will not cover it. Four weeks to tell me this...FOUR! And she only called me because I called CS crying in frustration in which that rep flagged the claim as high priority (still took them over 3 days to call back). I will also say that the adjuster called me twice back to back and I was unable to pick up as I was in a meeting at work but she didn't leave a VM... Then I am at the gym in the evening and I get a call from her and she starts with "Well I called you twice today". This old lady is so rude that I am surprised I didn't say anything vulgar. Aside from that, she goes on to tell me that it's my fault for not laying a tarp in my attic and I am liable for those damages since I should have "known better" and should have done my best to mitigate damages. I told her with the storms in FL every other day, she expects me to mop the tarp ? She said if I laid that tarp, I wouldn't be mopping. Then she had to define what a tarp was to me. When I questioned the late-ness of the contractor and the constant evasion, she said I have to understand that this is a busy month and I am not the only person who needs assistance. After realizing there was no point communicating with this woman because she had to have the last say and give me bs answers, I asked when the claim would be denied and closed and that that was all I needed to cancel my policy. She let me know it would estimate at least another week for the claim to be closed as two other people are required to "proof read" the decisions. She also let me know that I would have the same underwriting in any policy from any insurer and I should have known better. I let her know that I needed a simple yes or no for coverage 4 weeks ago and I had no issues with the policy or paying for the repairs however her customer service skills were poor and I was disappointed that the communication between me and them (adjuster and contractor). Every phone call is recorded (or so they say) so who knows if corporate ever checks them. Regardless, spend the extra money for a better provider. AVOID! Original: This business should be shut down. I opened a claim and they deemed it was not an emergency during wet season in FL. My ceiling is peeling paint and the field adjuster is telling me that my roof is completely fine, but he needs to wait for the 3rd party contractor to give his review. All I needed was a yes or no if this damage was covered under my policy because apparently, ACCORDING TO MY POLICY, I am required to file a claim to have them assess and fix the damage if it is covered otherwise I am liable (well no shit). But this is because the vendor that set me up gave me a discount on my premium if I chose to use their network of contractors. Well it's almost 4 weeks after the claim was opened and I called customer service and was told the roofing report from the contractor was just uploaded this week. Talk about lazy and unprofessional. Now I can see the drywall slap of my ceiling. Attaching pics. The best part? Adjuster says this is expected with "my roof vent" b/c of how the "wind and rain can get water in it". So his advice was to scrap off the damage and repaint. LOL. read more

People's Trust Insurance - Significant ceiling damage caused by a leak in the roof. Told by the adjuster to just "paint over it". - Home & Rental Insurance Near Me - Deerfield Beach, Florida

Stay away from PTI, many people agree that most/all insurance company are the same, but People' trust Insurance is the worse. No humanity, incompetents, they are just carelessly reckless. After dealing with these people for 4 years I am done. They overcharged me 2 times, the first time for $614 in April, it took me 6-7 phone calls and 7 weeks to get the refund. They were holding my money, a money they should never changed, in case I renew my policy with them. The second time the charged me $819 for a renewal when the policy was canceled. It is careless, incompetent, done in purpose to mis-charged people for an odd so people don't noticed. There many insurance company's that are bad, but how many insurance companies over changed you and hold your money for 7 weeks. I just disputed the second changed. read more

Doubles my rates after being a customer for 9 years. No notice at all. Called and asked why the increase. The excuse was basically because we can. Other companies had much better rates. Stay away. read more

If you pick this company, maybe for slightly less expensive rates, you'll regret it lately. I'm regretting switching from Citizen to them a few years ago. I've never placed a claim in my life, to any insurer at all. For a few years, I was paying People's Trust, then when I needed them for a simple fix, they just denied the claim and never renewed my policy. I can't wait to go back to Citizen or any other insurer. It doesn't matter if I have to pay a couple of thousands more. Also, they don't pay you for the damage,, instead they use their own "Rapid Response Team" to fix it. You pay the deductible and then they continue. I've heard from friends that after they fixed the damage, they had to re-do the work because it wasn't a quality work. read more

Customer Service requested that I contact them after I posted my review... For the record I did and they never responded back to me... I wasn't surprised. read more

People's Trust Insurance Co is the worst nightmare. I had hurricane related damage on my roof. PTI denied my claim stating not related to hurricane. I have been paying premium but when I need company to respond, i get denied. Bad faith, unfair business practices! Do not buy insurance from this company. Janice C, Miami, FL read more

Save yourself the aggravation and do not get this Insurance Company. I actually liked their clause of them making the repairs as it would save me the time and hassle of getting estimates and picking contractor myself. BIG MISTAKE!!! Their Rapid Response Contractors are super nice but totally incapable, poor quality job and very informal. Took them 5 months to make repairs that could have been done in two weeks. Roof had to be patched and repatched and ultimately redone due to bad quality work. fence is already flimsy. Super nice to have them as friends on your birthday party, always willing to fix what we showed them was wrong but again... no need to fix if done correctly in the first place. read more

I had peoples trust for 3 years about 10 years ago? I remember they canceled me with like 4 months left because ( they say) they weren't writing policies in my area anymore and I remember the refund check I got was like 22 cents. it was supposed to be hundreds more. I'm looking for new insurance and just received an online quote from them. Tho it's 200 cheaper I'm probably going to stick with my company. I don't need anymore stress. Sorry to all of you for the poor customer service you've received. read more

Warning...Do not use People's Trust Insurance. A few months ago, John Chaupis from People's Trust quoted me a homeowners insurance policy. It was a good deal so I switched. Two months later, I get an email saying my premium has more than doubled. I was obviously very very mad. Apparently I was mislead and lied to. He entered something in their system which gave me credits I was not suppose to have. Now my coverage is less and my premium is higher than I was paying....BAIT & SWITCH!!!!! DO NOT TRUST THESE GUYS...DON'T USE THEM...LIES, LIES, LIES read more

After my home was damaged by 130+ wind of hurricane michael, 2 roofing contractors stated my roof was lifted. My roof is excessively damaged. They want me to put a $800 patch on it?! What a joke! Their field adjusted left 3 double Windows that were broken off her report as well. I desperately need the $'s they owe me to make necessary repairs. All I get is the "run around.". I am so screwed by having purchased home coverage with them. read more

Horrible company !! Dont care about customers or their families. Upon receipt of letters of administration and probate , I recieved a 90 day notice of cancellation . Probate wont be over in 90 days , I can't get deed transferred until probate is over and can't get insurance in my name elsewhere until deed is transferred. I am living in the house with my kids and paying the mortgage. This company is giving the mortage company a reason to take the house. They dont protect your asset, they help the banks. Don't do this to your family members . Probate is hard enough without having to deal with underhanded companies like this working against them. Policy should be cancelled when deed is transferred and not before. read more

Why didn't I read these reviews prior to signing! Thank you all for sharing your experiences. Today I tried to cancel my insurance with People's. Let me say it wasn't an easy task. They sent me a notice that they were not renewing my policy over a month ago. Weeks of had work with lots of rejections and bad insurance brokers I was forced to go with Citizens. Now it's going to take weeks to cancel with People's because they do not have E-Sign. They made me laugh when they asked if I could fax back the form. FAX is this like a Typewriter? read more

DO NOT USE THESE PEOPLE PLEASE!! I want to make sure everyone can be safe and rely on their homeowner insurance when they need them the most. Unfortunately they have never helped me because I got my lawyer to help me since they were lacking on my claim. I am a sick person with asthma and they did not help me with my roof problem so I needed to do something fast. They do not care about anyone situation. They only care about the thousands of dollars I paid them for over 10 hears. Thank you for nothing Peoples Trust. I hope you are doing awesome with my money. read more

They dropped me before my first renewal. Actually, 3 months into my policy! They wanted a new roof and I had 1 month to do so (even though I had 9 months left on my home owners' policy). When I got around to getting a new roof, I got the run around. Premiums were the same, even though I had a brand new roof! I don't feel confident that they're on the ball. Not organized very well. Poor followup. They're not very good at returning calls or explaining things to me. My gut was telling me that this company isn't on the up-and-up. I decided to drop them and went with another company. read more

Had Insurance many years. They asked that I put a new water line for my refrigerator. Nothing wrong with the current line. Putting a new line would be very difficult and expensive. They pretty much said too bad. Their attitude is do what we tell you when we tell you or go somewhere else. I will be taking their advice. read more