Worst homeowners insurance. They do not cover anything, charge a $10 service fee when you pay in installments via a check. We need better modular home insurance companies. read more

My homeowners insurance was through "Windsor Mount Joy Mutual Insurance" company. During Hurricane Helene in North Carolina, damages occurred on the roof, causing a leak which eventually led to a hole in the master bedroom's bathroom. I reached out to The Colonial Group, located in Greensboro, NC, which has sales representatives in the local area where the insurance was originally purchased. The gentleman named J. Webster has been the person that I speak to regarding any issues I am having with my home. He then contacts Windsor Mount-Joy Mutual Insurance Company, at which time Mr. Webster submitted the claim. A short period of time passed and an adjuster was sent out to look at the damage. Shortly thereafter, we received a letter stating that Windsor Mount-Joy denied our claim and was dropping our policy. There was a significant lack of honesty from the adjuster that came out to my house, and the company automatically assumed that the age of our roof was over 20 years old, which was absolutely untrue! This company has been consistent in drafting money out of my account monthly for the cost of the 8-month plan at $85.25, which equals up to $682.00. Windsor Mount-Joy has yet to provide any type of services to our home. This insurance company is exhibiting behavior that appears fraudulent, and it is unfair to the homeowner who trusts this company. We do not have control over the weather, and we pay money to these types of companies in cases of an emergency or disaster. I will be seeking to find a new homeowners insurance plan at this point. The service from this business is unacceptable... be careful when dealing with this company! read more

If I could give negative stars I would. My policy got switched for my homeowners insurance to this company without my knowledge. We recently filed our first claim ever after paying for years. The Adjustor they sent out for high wind damage didn't work with or listen to the contractor we had inspect the roof. They want us to patch and replace individual shingles which will cause further damage to the other existing shingles. I received attitude and disrespect from the agent whose Name is Haley. I will be looking for a new company to insure my home. DO NOT, I REPEAT DO NOT USE THIS COMPANY IF YOU EVER WANT ANYTHING DONE TO REPAIR YOUR HOME AFTER STORMS. they should be shutdown and bankrupt with the behavior they have towards policy holders. Haley had the nerve to say that if we tried to do further testing and damaged the roof according to their suggestion for repairs that we would be 100% liable to pay for repairs. They are a disgusting slime ball of an insurance company. The lowest of the low. Filth. Just slimy little money collectors on policy's they never plan on owning up to and actually fixing your home. read more

Be very careful dealing with this company when it comes to insuring your home. In 14 years I have had two claims. The first was five years ago when my roof got damaged in a hurricane. They would only cover the part that got damaged leaving 60% of my roof matching up to a big patch job. Then when my pipes froze last month in Jan 2015 they denied my claim due to the interpitation of the word "off". They have no problem taking your money but paying out a claim they will search very hard for a reason to deny. Their affilaite claims adjusters which seem to be a sub contractor sent out a guy with only 6 months experience. Their name is Mid Atlantic Adjusting...together they are quite the tag team for screwing their clients. read more