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American Strategic Insurance (ASI) Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Mar 18, 2020

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Founded just over 20 years ago, American Strategic Insurance (ASI) is a Florida-based property and casualty insurer that has seen rapid growth. They operate today as part of Progressive Insurance and write insurance in 40 states.

About ASI

American Strategic Insurance was founded in 1997 to provide homeowner’s insurance in Florida, and within a few years expanded to also cover Texas homes. The company survived some of the worst hurricanes in recent memory and carried on when many insurers pulled out of the Florida market. They continued to expand to other states in the late 2000s.

The company’s connection with Progressive began with reciprocal investments in 2012, and in 2015 Progressive purchased a majority interest in ASI’s holding company, ARX Holding Corp. The company still operates under its own name but added Progressive’s name and logo to their banner. Progressive Property Insurance is among ASI Group’s companies.

By 2017 they were writing home insurance in 40 states and launched an auto program in California under the name ASI Select. There are also several other branches in the group.

ASI also write complementary policies to their main focus – home – including flood and umbrella. Their products are sold through independent agents under the Progressive agent system.

ASI’s headquarters is in St. Petersburg, Florida.

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ASI Products

ASI’s main focus is on home insurance; auto is only written in California through a subsidiary and the site has no information on this product.

The website offers an overview of each type of coverage the company writes, but there is not any detail on the policies themselves.

ASI writes traditional homeowners for single family homes, condo insurance, renter’s insurance, and coverage for seasonal or investment homes. Each of these policies is tailored to the needs of the type of home involved.

In some states, home and auto insurance can be bundled through Progressive Home.

ASI also writes umbrella insurance with $1 or $2 million in liability limits in a handful of states. The site does not say whether the underlying policies need to be with the same company.

Flood insurance is available through the National Flood Insurance Program in most states. In Florida, they offer the coverage as an endorsement on their homeowner’s policy.

Rates

The ASI website does not offer rates nor do they have online quoting. It seems likely that homeowner’s quotes through the Progressive home system may well return rates for this company, but since Progressive also partners with other home insurance companies it is uncertain which one any given quote might be from. As a result, we are unable to obtain an accurate quote from that source.

There is an agent locator available on the website through which interested visitors can find their local representative and obtain a quote directly.

Claims

Claims can be reported online using a form found on the company website, or they can be called into the 24/7 toll-free claims line.

The claims process is outlined briefly and is similar to other home insurance companies. ASI does have emergency claims response available 24/7. A claims adjuster will be assigned within 48 hours of the report and will begin the process of evaluating the damage and coverage available.

The site has a fairly comprehensive Claims FAQ section that should answer most customer’s basic questions about the process. Claims can be managed and viewed when logged into the customer portal on the website.

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Ratings and Consumer Reviews

ASI has an A+ rating with the Better Business Bureau (BBB), and 119 complaints have been filed and closed in the past three years. This is not a high volume for a company as large as ASI. They have been accredited with the BBB since 2004.

The page has a total of 42 reviews for a two-star rating. There are some good reviews mixed in among the negative comments. The complaints are about varied issues and are – unusually – not focused mainly on claims problems. ASI responds to the majority of the comments.

Yelp has 13 reviews of this company, with an overall rating of just under two stars. Again, the complaints are varied in nature, and some appear to be repeated from the BBB reviews.

Overall, ASI does not have a high complaint volume, and we saw no red flags in their reputation.

The Bottom Line

ASI likely sells a lot of policies through agents and the Progressive connection; the lack of information on their website indicates they are trying to reach new customers online. Without rates or detailed policy information, it is difficult to judge what this company really offers. They may be a good choice for those seeking to bundle with a Progressive auto policy for a discount.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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American Strategic Insurance
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

45 Comments

  1. I tried to get renters insurance with progressive not knowing they go through a 3rd party.

    Set everything up push the final button only to be told their system was down, try again later.

    I never tried again and never heard anything from them no email no call here I am thinking I didn’t sign up.

    Here it is Monday and they took their payment out.

    I called and canceled my payment, they will give the money back but it will now take them 7-10 days.

    That is not okay, you take money that you shouldn’t have now I have to wait for my money.

    That is not okay or acceptable. I will be telling everyone I know about this company and to stay as far away from them as they can.

    They do not care about their customers.

    Reply
  2. I just refinanced my home since my husband passed away last year.

    A few days after I get a letter that ASI will not cover my home, it is an earth home.

    The back of the house is mostly in the ground. In many ways, it is a safer house.

    That is not the big problem for me, it was the letter I received stating undisclosed dogs, ( I think the agent should have asked) small dogs, Yorky, Morkie, and a medium dog.

    In a fenced yard that no one needs to go into to get to the door.

    If they are in a fenced yard, then the dogs are a good thing and the person is up to no good.

    The roof needs replacing which is being done.

    The yard is being cleaned, the husband was sick for a few years before he died and it couldn’t get it all done.

    The letter I got was the upsetting point, the way it was worded.

    On phone with them I was given a list of what I needed to do to be covered, then after all that, I was put on hold for 10 minutes, then told that they would not cover my home anyway.

    Find another company. Contacted agent, she said she would get back to me, never did.

    I blame the agent also. I wouldn’t trust them with any type of claim even if they did cover my home after all this.

    I found coverage elsewhere the same day. Beware!

    Reply
  3. Very poor customer service, and almost criminal claim payments!

    Last memorial day, a tornado tore apart my neighborhood.

    Somehow, my house had minimal damage. I called ASI the morning after to file a claim for the damage.

    For the next 3 days, I received 5 calls from ASI confirming that I’m filing a claim, and confirming that is what I want to do.

    Finally, someone called identifying themselves as a claims controller.

    He sent out an adjuster almost 2 weeks after the storm.

    This guy showed up and the first thing out of his mouth was his incompetence!

    He stated multiple times to me that he did not know what he was doing or where to start.

    I asked him to leave and called the claims controller to get someone that instilled some confidence of doing their job.

    I never got a hold of the controller. Never called back.

    A few days later I got a phone call from this controller and he told me that the damage was only $35 above my deductible.

    He tried very hard to get me to drop the claim, but I persisted because I hired a local contractor, and I wanted to see what he said.

    The contractor looked over the estimate from the adjuster and pointed out many failures.

    I have premium quality materials such as hurricane rated shingles and continuous run 6″ gutters on my house.

    ASI was only going to pay out amounts for lower quality materials, prices that were similar to the crap the big box home improvement centers offer.

    With much back and forth, arguments on the phone between ASI, myself, and my contractor, we were able to bilk another $1000.00 out of ASI.

    This still was below what the contractor said I should be entitled to, but we realized this was all we were going to get.

    He did what he could with the money, and left me with some finishing and trim work to do myself.

    Days later, out of the blue, I get a call from ASI wanting to know if I had a railing around my deck. My deck was not damaged by the storm.

    When I asked why they stated the adjuster claimed I did not have a rail. I told them I always had a rail, but they didn’t believe me.

    They threatened me with the cancellation of my policy until I produced photographic proof.

    That was the breaking point of frustration.

    I now found a different insurance company and in the process of canceling my ASI policy 2 months before renewal.

    I’m betting I will not get a refund for the 2 months.

    Immature me wanted to send pictures of the railing with me flipping the bird!

    Reply
    • I live in Iowa, and my company is MetLife.

      They have been awesome, but their premiums keep going up.

      My insurance agency won’t be using MetLife anymore.

      So she quoted me ASI. They’re very reasonable, but they get terrible reviews.

      I’m huge on customer service. Seems like they don’t provide that.

      Any other thoughts on them?

      Reply
  4. Worst insurance company ever.

    Does anything to deny legitimate claims.

    We had to hire a public adjuster tonight our ware damage claim

    Reply
    • My first claim ever was for Hurricane Michael damages.

      My repairs have been low balled. The adjuster even referred to the payments as “nominal”.

      They are still combing through my coverages looking for loop holes.

      The worst thing that they did was to pay me $27,850 for my pool cage and then their CEO, legal team and underwriters placed an Estoppel and took back the money.

      Their reason was that my policy didn’t have ENDORSEMENT #ASI H009 WSE 1207.

      My agent had never even heard of this endorsement.

      I have asked for proof of where I signed or initialed to opt-out for this coverage that I thought that I had and no knowledge of this endorsement.

      They refuse.

      The agent first said if it is attached to your HOUSE then I was covered.

      Fight with the adjuster the agent said.

      Finally, after the agent contacted the company they sent me a copy of this so-called endorsement but no proof that I opted out.

      Now the agent just said, oops we don’t know about that. So, how could I possibly have had this coverage if it was never offered to me?

      I was just notified that I also opted out of Law or Ordinance Coverage but again I am not allowed to see proof that I actually opted out.

      I don’t trust this company to handle my Hurricane Claim. Seem like bad faith efforts to me. Just my opinion.

      Reply
  5. Run from this company ASI!! They will not under your insurance policy.

    Please listen to me. Worst insurance company in the insurance industry.

    Reply
  6. ASI charged me more for a hardy board built house vs. a stucco house.

    Both are framed houses. Both have a concrete veneer.

    And an improperly installed stucco house is a greater risk.

    Yet the hardy board house cost me $125 more.

    My ASI policy cost me double last year because Progressive dropped the other company and pushed ASI?

    The ASI agent asked if I have had a claim in the last 5 years when that claim was paid by another company.

    It was a roof claim against Liberty Mutual which Progressive did not pay for but benefited from the fact that they are insuring a roof that is only 5 years old.

    I can not pay my premium with American Express which benefits me vs. Visa that benefits ASI.

    Unfortunately, ASI is still less expensive than it’s competitors.

    This year. I read 52 reviews and you got 48 one star reviews two 5 star and 1 two star and I wondered what it takes to get an A+ rating from BBB.

    It does say customer reviews are not used in the calculation or the rating.

    Reply
  7. What a f@#^%$* joke! No one talks to each other!

    They are a terrible company!

    I will never recommend, or ever use their services again!

    Don’t waste your time and money!!! Go somewhere else!!!

    Reply
  8. ASI has Absolutely the worst service.

    My house was built in 2000, and after all the storms, I’ve had shingles blown off the house.

    Consulted with a roofing company and they have recommended roof replacement due to the storms and age of roof.

    Filed a claim, they sent out their in knowledgeable adjuster comes out and says only the area where shingles are missing needs repaired.

    I didn’t even pick this company.

    USAA did when I bought my house in 2009 and now everyone will get ASI if you finance through USAA.

    Reply
  9. OMG…I was thinking of switching, but after reading these reviews, HECK NO!!!!!!!!!….

    thanks, ppl for opening my and others who are considering switching…

    Reply
  10. This company gets paid for policies it has no intention of insuring!! BEWARE!!!

    Went through the process answered all the questions, never told us they had to do an inspection prior to being covered however the biggest kicker was they billed my mortgage company the day of the application and they were paid in full.

    Showed up at my house 9 weeks after without calling never identified who they were, just said I need to measure your house,

    They saw the dog which wasn’t ours and a week later I received a notice in the mail need to discuss.

    So I called and found out they will not insure me.

    So I said why did you 1) take 9 weeks to visit the property 2) bill my mortgage company prior to doing the necessary inspection and 3) why weren’t we notified of any of this.

    I was told when I called customer service its no problem since there are no pictures of the dog I will let them know it wasn’t your dog and you will be fine.

    I received a call from a lady the same day that never identified who she was just that my policy will be canceled based on the dog. Period.

    So they were paid for 9 weeks and now I get to wait 14 days to get my refund for a policy that was never put into effect.

    And I get to pay another insurance company so I have coverage since they waited until my policy date was past renewal. What a mess! Terrible terrible business practices.

    Reply
  11. *LOOK ELSEWHERE FOR INSURANCE!*

    Things were going great on my quote. Spent my time answering all of their questions. Then I told them I have a dog and they pulled everything off the table. No dogs allowed! Wouldn’t give me any explanation. You’d think a company that’s rated so poorly would jump at an opportunity to insure a home. Who knows what they are thinking?

    Reply
  12. My wife and I went with ASI (Progressive (parent company APX Group Holdings) for our homeowners insurance in November 2018 for the home that we were previously renting which we purchased. 2 months later it was inspected and a week after that we received a cancellation letter and email, the letter was very demeaning and rude stating that we had neglected our roof and that there was excessive debris on the property.

    The debris they were referring to is a pile of bricks on an adjacent lot that we do not own!! As far as the roof it is cosmetically blemished in the front section (doesn’t leak) and we are saving to have it repaired or replaced this coming summer. It is winter and we have only lived here as owners for 2 months!

    We are hard working honest people not that that matters to this company. I have the feeling that they only want to insure Condos, Apartments and new homes. I called agents 3 times and they listened to me but said they were powerless over the phantom underwriters’ decision. They want us to replace the roof within a month to keep the policy. I don’t think I can remain with them although we are getting bids on the cost to repair the roof (it was new (one layer only asphalt shingles) in 2010.

    In the letter they made it sound like the roof was in a catastrophic state and that it was our fault due to neglect. I am a professional trades guy – previously military and let me tell you there is zero property neglect going on here.
    What really baffles me is that the payment comes out of escrow so it’s guaranteed money each month-why would you insult that source of income? Also why don’t they know the property dimensions and lot location that they are inspecting?

    Reply
  13. If you are shopping around I would think twice about using Progressives insurance partners (they don’t deal in homeowner policies). They wanted to place me with Homesite and before agreeing decided to do some research before. Their reviews are 98 % one-star reviews. Never have I seen such bad reviews. I always research everything before purchasing. I called back and asked if they had another company they could try. They used ASI which Progressive has a controlling interest which turned out to be around 150 more. Their rating is much better. Overall 3 stars. Not great but would be willing to take a chance on this company. P.S. The auto premium was 606 for 6 months which is 300 less than my current insurance. that’s 50 a month less. This may be worth considering. I am now debating whether to switch. Stay tuned.

    Reply
  14. Rain is considered flood and flood isn’t covered on and HO3 homeowners insurance form. Flood insurance would be purchased separately, separate policy and premium, different company.

    Reply
  15. It took about three months before an adjuster was sent to my house after the storm last year. By the time ASI sent someone out, my carpet was dry, but it still has an odor. I have water damage to my wall and the baseboard in the master bathroom. One of the claims associates told me that it came from the steam after we shower. That is an incorrect statement; the baseboard was wet after it rained in my bathroom and I have no idea where it came from to this day. They act as if we do not know anything about a house or they think we’re stupid. ASI is the WORST insurance company I have encountered. But ASI told me I didn’t have any damages, but yet my carpet was wet, and it smelled horribly bad, water came in from somewhere, but they did not do their job to figure out why this occurred. My family room wall has water damage, but they also failed to figure out the problem. And all they want me to do is have a painter come out and paint the wall, without figuring out the issue. So, I’m pretty sure if I paint the walls and we have another terrible storm the same problem will probably occur again. Oh yeah, I was told that the water came in under the door and got on the wall which is impossible because the wall at the entrance of the door would be damaged as well as the wall.

    I have been with this company for at least five years, and I’ve never had to file a claim since my home is only five years old. With that being said, I am very disappointed with the service I have received or better yet not received.

    I will make sure I find the information to corporate and push this issue further than with the people in the small offices. I want something done about this issue and talking to these people is not working for me.

    Reply
  16. I had damage from Irma, and have been ignored with my claim. They want my money on time, then won’t help when in need. It’s what, close to a year or less? Never had a company so bad. I’ve sent dozens of pictures, receipts. [Redacted], is supposed to be doing something. But nothing. I am still living with a moldy carpet. I get sick, we will have some big trouble.

    Reply
  17. I cannot get any help with my damage. They hired an engineer to look at the damage. My tiles are now removed. He said it happened because I didn’t have pressure cuts. Well, guess what, I do have the cuts on my floor. Trying to get someone to approve my claim now, but can’t get help. If I don’t hear from somebody that works for ASI, I’ll be calling an attorney. Claim no.[redacted]

    Reply
  18. ASI is probably the worst insurance company for the homeowners. Their process is so slow and their adjusters are arrogant, rude and not knowledgeable. Its been a month since I raised my claim and until now they keep sending ppl but do not provide any claim response. In the meantime, the damage to my home continues to get worse but they don’t budge. They have some stupid slow processes which do not belong to the current world. I pity everyone who has insurance with ASI, they are probably the worst out there. Its a trap that I fell into and I wish I read the reviews before purchasing with them.

    Overall, a pathetic experience.

    Reply
    • I agree with you, still trying to settle Hurricane coverage. Estimate was $30,000 and they sent me a check for $360.00. If this is your Insurance you really have no coverage, they won’t pay.

      Reply
  19. We have been working with ASI for 2 months now to resolve an issue with water intrusion from a 2nd floor porch which is built over a family room on the 1st floor. We lost a complete ceiling and had water damage to the above hardwood floor,16″ of sliding glass hurricane grade doors (which we are told need to be replaced at the cost of 8000.00) and porch tile floor which needs to be removed and replaced. We had water leaks around windows on the East side of our home due to high winds and rain. The demo and prep to stop any further damage was 3000.00. We were told by ASI that
    18,000.00 we are due nothing. Our total estimate for work done and to be done is about 42,000.00. Why do we need insurance?

    Reply
    • I have water damage totaling more than $10,000, not covered because they claimed they have 14 days rule to report hidden water leaks. How can you know that it is leaking until you actually see a leak? Doesn’t matter, not covered. This is a poor excuse for any kind of Insurance. Not different than a bank robber, but they are getting away.

      Reply
      • How did it work out? I’m going through the same issue. Did they pay you?

        Reply
  20. I’m sorry to hear of all these bad experiences! We bought a house on September 6, 2017 and only five nights later, on September 11… Yes September 11… our house caught fire due to a wiring problem and everything inside it was damaged by either fire or smoke. ( The house is only 17 years old! ). Due to all the problems with the hurricane and such, we thought we would be waiting forever… The building adjuster, [Redacted], flew in from Texas and the contents adjuster, [Redacted], flew from Missouri and were there the very next day with a check in their hand
    ( [Redacted]/ contents) for us to go out and buy items we needed just to get by/live. We were in a furnished apartment THAT day! (our policy included living arrangements).

    They both spent the entire day there taking pictures and measurements, etc. I, of course, walked through the house identifying and pricing items to the best of my ability. I even told [Redacted], “I don’t want to lie, or make up a number…I really don’t know/remember and I don’t want to have it appear to be a lie and say I paid much more money, but yet I don’t want to screw ourselves over “. She understood that…they had to have a guess.

    From what I understand, they ( Ins
    Co’s) all practically use the same software that is updated and gives fair/average replacement cost value to your items. That will not always be right, though… That’s where you need to speak with each other about the dollar figure that’s put on certain items.

    While we were waiting for a final inventory ( that is also part of my job ) and an estimate for the house, they have returned every phone call and answered every email. The return times were good. They have been totally professional. They are not your friend, they are your insurance company.
    (I believe they conduct themselves in this manner so they are never accused of treating someone special. )

    Anyway, by September 18, the building insurance adjuster had an estimate and it was right in line with the contractors’ (we had a few estimates) professional opinions of what needed to be done. We hired one. Not ASI…as far as the contents, her portion was done and mailed to me within 10 days and I need to look it over and add any things we had missed. (we even discussed, what I thought, were inaccuracies and corrected them.

    I have migraines 4-5 days a week and it’s hard for me to do this work and they were more than willing to give me the extra time to do the list without compromising my health, or more importantly, what we are due.

    The demolition begins Monday… Considering that was shy of only two weeks to get things started… I feel that’s pretty good. I asked question after question after question… and they politely explained to me and kept on explaining any question I asked. Even when I asked the same question more than once because I didn’t understand the first time.

    We have replacement cost, so for those of you that know how it works, they send you a check to get you started on buying your items just to start living day by day…and we already have that in our hands…the “actual cash value amount”… Once we have purchased something we turn in the receipt and we get paid the rest of the money . ( replacement cost ).

    Granted, I did not agree with some of [Redacted] numbers and once we talked about them, she adjusted a few things to make them right. We are all only human.
    I am still working on the items that were missed when we both went through the house and items I remembered that were completely burned… You couldn’t even tell what they were. My thousand dollar laptop melted …. Things like that.

    Just make sure you don’t ever lie to them or tell them you had something when you did not have it. As long as you’re truthful with them they will treat you right. One thing we did learn, however, is to not let family/friends/acquaintances try to give you harrowing stories about their experiences, it just makes you upset and starts to get you thinking suspiciously … Their policy was different and their experience was different. Work with the people you are to work with and don’t let outside influences get to you. I let this happen to me and the agent for the structure portion of my policy explained a lot of this to me and he was right!

    I am sure there are agents out there from different areas that are making money by canceling policies, not covering things for dumb reasons as going as far as getting the wrong breed of dog…

    If it is in/not in your policy, then it’s your fault for not reading it. If what they did not cover is included in your coverage in your policy, point it out and be firm. Not rude, just firm. If they continue to mess around or act improperly, hire an unbiased adjuster or attorney to boot them in the butt and make it right.

    * Keep notes of dates, times, who you spoke to and the subject/s you covered…even if they are being good to you!

    Some insurance companies are extremely devious and don’t give a hoot about anybody and what happened to them. Some of them are unscrupulous in that they line their own pockets by screwing people over. That’s just plain wrong and everybody knows it. After all, ins companies need to make a profit, but not by lies and unscrupulous tactics!

    Like I said, get an attorney if you’re being screwed over… the lawyer will want all your notes, pictures, etc.

    Everyone deserves to be treated fairly. God bless you all who have been affected by any type of tragedy… Especially when there is loss of life; be it human or animal! It’s hard enough to go through the experience without having your insurance company treat you like a nobody!

    Our experience with ASI, up to this point has been wonderful.

    I honestly think when it comes to insurance companies, more people will come to a review board such as this and complain because they weren’t treated right. It looks like there are more bad reviews, than good. If you took 100 experiences and 20 of them were bad/had problems… If the entire 20 complained ( and rightly so ) and just a few, say 15 people, took the time to come here and tell whatever good experience they had… you are going to have an inaccurate picture of that company! It’s a proven fact that people will complain about a company more than they would thank them for a job well done. That’s why you have so many surveys pop up at the end of many things… Like AT&T, JCPenney’s and on and on.

    Reply
  21. I am a policyholder in Maryland whose home was damaged by hail and wind in April 2017. I filed a claim with ASI, had my home inspected by an adjuster in the summer. I hastily received payment a few weeks later which seemed to be ASI’s way of shoving some money into my hand and keeping me quiet.

    The desk adjuster for my claim was very bland and not very customer service oriented. I understand that he has left for bigger money working the hurricane claims.

    I had a contractor come out and look at the home. The repair estimate is much more than what ASI tried to quell me with. There were also many more items which were damaged than ASI’s adjuster recorded.

    I called Friday 9/22 after filing a supplemental estimate on September 14. Spoke to a [Redacted] who stated that ASI is impacted by the hurricanes. Asked for more time and told me that the adjuster was [Redacted] _______. I expressed the fact that my roof is damaged and that if it rains or snows, there will be consequential damage. I also stated that if the home becomes uninhabitable, we will move to a rented location. I also stated that I will file subsequent claims and file a law suit against ASI if it refuses to honor my claim. She just wanted to get me off the phone. I was not finished speaking when she was telling me to “have a good day”.

    ASI does not/did not contact. Told to call 9/29. Called 9/29. It is a maze getting through to anyone. Answered by a [Redacted] who said that nothing was done since 9/22. I asked him to document my comments to [Redacted] in my file.

    He tried to call [Redacted] ______________. He came back and told me that her line was busy. He asked me if I needed her voice mail. I stated that I did. Amazingly, [Redacted] ____________ answered the call upon transfer. I told her my claim number and she asked me if I was the policy holder. I answered in the affirmative. She gave me the same worthless and boring spill. I was patient and listened. She stated that she had 20 claims ahead of mine and was about 2 weeks behind. September 14 (the date I filed my supplement) to October 6 is not 14 days. She told me to call her on October 6.

    I then told her that the roof is damaged and it is moving into fall when we get a lot of rain and sometimes early snow fall. I stated that if the roof leaks and there is consequential damage to it and the home, I will most definitely be filing a subsequent claim. I also stated that if the home becomes inhabitable, I will move to rented space and file a claim to the point of a legal law suit to compel ASI to pay for all this damage and inconvenience.

    [Redacted] ___________ became hyper and rudely cut right into my conversation. I asked her not to over talk me. She persisted and I had to verbally wrangle her to cease. She yielded subsequently and I told her I needed to say what I needed to say and I will most definitely let her say what she has to say. She finally let me finish. Apparently, it was not very important to hear what I had to say and maybe many or all claimants?

    When I was finished, I let her speak and she told me that it was written in the policy that if a policyholder receives payment and the repairs are not made and there is further damage from the initial event that ASI would not be responsible because the policyholder has a duty to cover the roof.

    That my be the case but ASI did not pay me to cover the roof, they will not be responsible for me or anyone going up 40 feet on a high pitched roof to cover it. There is no such item in the estimate which they paid me for. I let her know that I was not covering the roof. She basically was ending the call very abruptly when I stated that I am not finished. I stated that if there is further damage, loss or inconvenience, then I will most definitely file claims for such damage and loss, and if ASI refuses to pay such claims, then a court case will follow. I ended the call with this very rude person who lacks basic courtesy and skills in dealing with the public.

    I find that “people” at ASI are rude and abrupt, to the point of extremity. They are hardly or not at all customer service oriented and have demonstrated that they do not have the customer’s concerns at heart. They are among some of the growing number of bruske and heartless people in America who incorrectly find themselves in public relations jobs.

    This is my experience and apparently the experience of many others who deal with ASI and companies the likes of ASI. Customer service in America is long dead.

    I wish any of the listed people read this post:

    [Redacted]
    [Redacted]
    [Redacted]
    [Redacted]
    [Redacted]
    [Redacted]
    [Redacted]
    [Redacted]
    [Redacted]
    [Redacted]
    [Redacted]

    …and ASI may want not delete this post as I will seek my first amendment and freedom of speech rights. Here is a forum to express and I have expressed. It is my constitutional right and anyone who infringes upon it will be faced with law.

    Maryland Policyholder

    Reply
    • Agreed! My hauls and and I recently had an awful experience with AIC. Clearly this company does not take care of its customers.

      Reply
    • So sorry you had such a difficult time with the adjuster handling your claim. It is never okay for them to be rude; firm, yes, just as you should be. Please know that insurance companies are required by law to make an initial payment within a certain period of time/undisputed amount. Please also be aware of your policy details, because every policy I’ve looked at requires the policyholder to mitigate their losses, i.e. to protect from further damage, as in covering the roof with a tarp, for which your adjuster WILL reimburse you. It’s in both yours and the company’s best interest to do so. Many companies are able to arrange one of their vendors to do just that, whether the roof is a steep/2nd story or less. I’m sorry your adjuster didn’t have the listening skills; we are all human; everyone responding to catastrophe damages gets overworked 7 days/wk, 12 hr days is the norm, because when there’s a catastrophe/so many people affected, there can never be enough boots on the ground to handle everything as quickly as we policyholders believe it should be. Always be firm, ask for details about policy so you know understand what you were paying for in premium when you signed the insurance contract. It’s black and white because they stipulate what exactly will be paid for in return for the premium you give them.

      Reply
  22. I have been dealing with ASI for water leakage from the roof for last many months. I had roof inspection report and sent to ASI along with the pictures to prove them where the leakage is coming from. ASI Aduster came and saw the water stains on the master bathroom and master bedroom ceilings, but reported that they were caused by poor maintenance and old roof. He even did not report the leakage in the attic, on the top of the garage wall and other places. I have been calling them and sending them proof of damage but no action taken by ADI.
    My agent is very courteous to return my calls but helpless in this regard.
    I am going to hire a public adjuster to look into this.

    Reply
    • We have this current problem. Were you able to get any help from them?

      Reply
  23. Agent came out to my home without contacting me, spent 10 minutes talking to me about how wonderful my Great Dane was including petting him and then a week later cancelled my policy for having a Great Dane. No where in the application was a Great Dane mentioned as ineligible dog.

    Reply
    • Same thing with me and my German Shepherd. ASI then will not return the other 9months of my premium until the day after my policy concludes. I am therefore unable to purchase a policy through another company. ASI is a joke of a company and should require agents to disclose their “prohibited breed” restrictions prior to selling their policies

      Reply
      • I’m sorry your agent did not disclose to you that there is an ineligible breed list with ASI. There is, in fact, a very specific question on the application. I was very surprised to see Great Danes on the list because I don’t think one could do much damage except to lick you to death, and I adore German Shepherds as well. This, unfortunately, was the agent’s error.

        Reply
  24. Worst company ever! They cancelled with no warning and now we owe bank $500.

    Reply
  25. I have had my homeowners policy with ASI since about the beginning of February. Last week I received a letter from them stating that my policy would be cancelled on 3/31 for the following reasons: Diving board has not been taken out and the second reason was an intelligible bread of dog. To address the first issue my agent made me aware that it needed to be taken out which I agreed to but I did not know there was a timeframe to when this needed to be completed. We live in Arizona and it is not a temperature at this time of the year that people would be swimming. I had every intention of taking the diving board out before the pool was used and once I received this notice I called ASI to advise them I would take it out immediately. In addition, I did not receive a warning or anything in regards to this. This is our first home so this process is new to me. The second issue is what is completely unbelievable. They said I have a ineligible breed of dog. I have a 15 pound miniature pincher. I called and spoke to ASI directly on Friday because my agent was out of the office and they told me that they came to my house, with out any warning, and took pictures of my dog which they are claiming is a rottwiler. I advised them this is completely not accurate and I would be happy to send them a picture of my 7 year old min pin. They stated they have pictures of my dog, no one came to my house while I was home and when we are not home my dog is locked in a cage which is not visible to anyone from the outside. My insurance agent got back to me today after following up with them and advised me that they will not keep my policy active. They refused to send her the pictures but the agent did admit that they were taken from a distance so they just went with what they thought. My agent also advised them she would personally come to my house and take pictures of my dog and confirm that the diving board has been removed. My agent also asked me if I got a warning letter about these issues because ASI stated they sent one out. I did not get anything except for the notice of cancellation. This just seems completely unacceptable and bad business practice. After all I am paying you for this insurance and this company is acting like they were doing me a favor. I will not ever do business with progressive or any of its subsidiaries again.

    Reply
  26. 5 days short of 3 months of waiting for a final response/breakdown of allowance after the Great Flood of 2016. Having to wait and wait, past the point of fustration. Can’t even start on repairs without funds. I understand the magnitude of the claims, but 3 months of waiting while others are 100% completed with repairs and back in their home!

    Reply
  27. Worst company ever! Increased rate 33 percent in three years. We had never filed a claim of any kind. When we decided to cancel on our policy anniversary date we were charged a $54 cancellation fee. Does not state this in our policy and when we called the customer service lady said they usually charge $80 so consider ourselves lucky! Do not do business with this company because of the low intro rate, they will get you in the end!

    Reply
    • That sounds like an agent/broker fee as ASI does not charge a cancellation fee. I have written insurance through them for years and they have never charged a cancellation fee, nor does my agency who writes through them.

      Reply
  28. I also had a leak in my roof that went through attic all the way to bathroom ceiling that was caving in, contractor says $2977 to repair rotted wood, underlay, flashing , shingles,replace drywall, paint and clean up. ASI Agent never even bothered to go into the attic to see rotted roof wood. He only went on top of roof and in bathroom. Then came back with only a $500 worth of damage. I filed a complaint with the Department of insurance and securities http://disb.dc.gov/ I also filed a complaint to the Better Business Bureau BBB.org . Everyone should do this if they have issues. I also plan getting a lawyer and see about a Class Action Lawsuit as it sounds like this is a normal business practice and they should pay Millions of dolllars to victims of their shady business practice of trying to not have to pay for insurance claims.

    Reply
    • Same thing with me. Roof leak. Mold to start with ceiling caving in the guest bedroom. Adjuster came out. Went on the roof took pictures, and took pictures in the bedroom of the ceiling. NEVER WENT INTO THE ATTIC, ABOVE THE BEDROOM. Cut me a check for 1423.00 less 1000.00 deductible, so cut a check for 1323.00. How can one do an assessment and not DO an actual inspection???? Oh he was quick to say the claim was closed. I haven’t received the check yet…not going to cash it. I notified his super….he needs to come back. This is pathetic.

      Reply
  29. ASI is by far the worst when it comes to Customer support. I submitted a claim for mold from a leak under my sink. The claim was denied and they asked for photos of the work. I sent in photos and explained that no repairs were made. They continued to ask for more detailed photos and after the 5th time i sent it back I was informed that my status is now non-renewal. I cannot get a hold of anyone to help me with this. Do not send your business to this company unless you want the red tape runaround!

    Reply
  30. They lied in a job interview. Put me through many over 5 hours of interviews. I am very qualified for the job with many years experience and very very good standing with my previous employer. more recommendations in my position from insured and adjusters ( which is same as the asi job ) than anyone else in my previous company. The lie came when they told me the position has changed and no longer available. They asked me if they could hold on to resume in case something else came up. I said of course. 3 months later they put another job posting for the EXACT job. I wrote and called and said they are no longer interested. I asked what changed so I could better my position in future job interviews. To absolutely no response. I don’t mind being told I am not a good fit. However to lie have me wait is just wrong. If they do that to applicants what do they do to their insureds??

    Reply
  31. i didn’t know such company like ASi will still be existing in this developed world. my house was flooded by water, the remediation company ASI awarded my housefor removing of mold they refused to pay them. the company now want to put lien on my house for this. i can never recommend ASI for anybody. i’m planning to take legal action on ASI for exposing me to embarrassment from the remediation company. the worst part of it is that the agent in charge [Redacted] is the worst customer service agent i have ever deal with, not friendly and not willing to help. the company sent several email to him he refused to reply

    Reply
    • You are right.
      We had water damage from a rain storm which damaged our ceiling and kitchen floor. We told that the leaking roof was due to our neglect. The roof was replaced 6 years before this problem. I even took the inspector up in the attic and showed him where the water was coming from and was not coming in from our electrical service. However I was told that I was wrong even with pictures showing water dripping through. I never seen water leaking up! The final dollar amount was just peanuts and wouldn’t cover the repair. We had to eat the bullet.

      Reply
      • The exact same situation as everyone. You might as well not have any insurance if you have ASI. Get a lawyer.

        Reply

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