If I could give 0 stars, I would, due to FRAUD.
Here is a copy of an email I tried to send to Terry Cavnar after not receiving the type of assistance of customer service that is generally appropriate.
"This email is to inform you that there have been events leading up to the dissatisfaction in your services and we are seeking a refund of $157.40 initially paid November 21, 2024 to set up homeowners insurance on our new property we are renovating in the country, in Hinton, OK.
Chris instructed us to take pictures and upload them to the website with the explanation that we were currently renovating the property. Approximately 2-3 weeks later, we received a letter stating that we did not qualify for a policy and were given a lengthy list of reasons why which reflected the fact that the explanation attached to the photos was completely ignored citing the things noted in the explanation as causes for disqualification along with noting trees that needed removal. The property is out in the country, in Hinton, OK. It's in the woods surrounding Cedar Lake. We have removed some trees but we are not removing all the trees. The denial letter also highlighted piles of debris on the premises, which were the result of our work in renovations.
Then, 2 more weeks later, we received a bill for the homeowners insurance that we were denied stating we owed $77.32 for the premium earned less any deposit premium paid while the policy was in force from November 21, 2024 to January 3, 2025.
That is null and void because we never received any communication describing the terms of the policy, which was never issued due to disqualification.
I called to speak with Chris regarding the situation last Tuesday, January 7, 2025 and Christina answered and said he wasn't available so she took a message to have him call me back. He never called me back.
I called your office today to speak with you and Hannah told me that you were out of the office. She asked about the situation and I gave her all the details. She stated that she didn't see any bill due. In pressing her further for a resolution, she stated she would call billing to discuss the bill we received and she would get back with me "later". I told her I needed a resolution sooner than later and gave her a 30-minute deadline to get back to me. When she contacted me again, approximately 30 minutes later, she said that the billing department said that we owed the $77.32 when Hannah initially told me that she didn't see any bill due, and that it was for the policy, which your company denied us coverage for.
I told her that it was not acceptable and we would be seeking a refund because we did not get services rendered for the fee we paid and certainly weren't getting good customer service to resolve the problem. I asked Hannah when you would be returning to the office and she responded she didn't know when you would be returning to the office. I asked Hannah to give me your direct email and she hesitated to give it to me. I had to request your email 5 times before she finally gave it to me. We want an immediate refund since our policy is not in effect with your company. Please return payment on the card the initial payment was made.
We will be seeking coverage for our homeowners needs elsewhere."
We will also be taking our needs to auto insurance elsewhere.
Please note that it states I am in San Francisco, CA, but I currently live in OKC, OK as I moved here last Summer 2024.
The email I sent to Terry, given by his receptionist, Hannah, was incorrect and the email returned undeliverable.
*EDIT AFTER BECKY C. RESPONDED TO REVIEW ON YELP.
This is a copy of what I sent "Becky C" in a message after receiving the response above on both Google and Yelp.
"We did not have a standing contract as we did not receive any explanation of coverage (what would be covered or excluded) and nothing was signed. It was all verbal and Chris assured me that posting pictures with an explanation of renovations being done wouldn't be a problem.
But that is beside the point that when I asked to speak with Terry directly, Hannah avoided giving me his email address and after asking 5 times, she reluctantly gave me an email address which wasn't good as it bounced back as "undeliverable". This is deceptive business practice."
I have yet to directly communicate with Terry Cavnar. read more
