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Avatar Insurance Review

Avatar insurance is a fairly new company in the Florida home insurance market. Avatar covers a variety of home types. In addition to individual coverage, Avatar also provides commercial building products.

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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: Jul 24, 2020

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Avatar Insurance
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One of the many recent entrants into the Florida home insurance market, Avatar covers a variety of home types. In addition to individual coverage, Avatar also provides commercial building products.

About Avatar Insurance

Entering the struggling homeowner’s insurance market in 2008, Avatar was one of several new property & casualty insurers to spring up in Florida during the late 2000s. The company was one of many who participated in the large takeout process by Citizens Property Insurance Corporation, the state-run property insurer for Floridians who had difficulty finding insurance in the private market. This takeout involved thousands of Citizens policyholders receiving an offer to accept a new policy from Avatar.

In addition to the takeout policies, Avatar has been writing new business since its inception. Steady growth over nearly a decade has led the company to a position in the market with assets approximating $50 million. In March of 2017, Avatar reached a deal to acquire Elements Property Insurance Holdings, expanding their market to a larger area.

Headquartered in Tampa, Avatar sells homeowners and commercial property insurance through a network of independent agents across the state.

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Avatar Products

Avatar focuses on the needs of Florida homeowners but also writes policies for some types of commercial buildings.

Personal Home Insurance

Avatar writes three types of home insurance policies, covering standard homeowner’s condominium owners, and manufactured homes. The website offers little in the way of details on the policies but lists a brief explanation of what each portion of the standard form homeowner’s policy covers. Coverage includes replacement cost for the home itself, coverage for other structures on the premises, and personal property. The policy also includes personal liability coverage. Several premium credits (discounts) are listed, including having an alarm on the premises and a discount for homeowners over the age of 55.

Condominium policies cover the portion of the structure for which the homeowner is responsible, as well as personal property and liability. These policies are designed to provide for areas not covered by the condo association’s policy, which generally covers the outer structure and any common areas.

Two policies forms are offered for mobile or manufactured homes:

  • The Mobile Home Owners Policy is similar to a standard homeowner’s policy. It covers replacement cost for the structure. Personal property is covered with the option to upgrade to replacement cost, and personal liability is also included.
  • The Mobile Home Dwelling is a more limited named perils policy. It restricts coverage to the specific perils named in the policy. The structure is covered at replacement cost, and this same personal property option is available. This type of policy is frequently offered on properties that do not meet the requirements for the Mobile Home Owners program.

Commercial Insurance

Avatar writes both Commercial Residential and Non-Residential policies, but not much detail is offered.

Commercial Residential is available for condominium associations as well as for apartment buildings. These policies are designed to protect the structure as well as provide for liability for the building’s owner.

Commercial Non-Residential policies from Avatar are for what the website describes as “light occupancy” buildings. The company specializes in hotels and medical offices according to the brief description.

Avatar Rates

Online quoting is available on the Avatar website but requires a physical address for the building to proceed. Due to the specific nature of homeowner’s insurance, we are unable to conduct a rate comparison for this company.

Although the Florida Office of Insurance Regulation does offer a helpful rate comparison tool, we were unable to locate Avatar on the list of companies.

The option to obtain a quick quote online is a helpful tool for insurance shoppers but provides only a basic number. It’s important to note that when obtaining quotes for this type of policy, any number of details can affect the final premium. It’s a good idea to pursue a more detailed quote before making an insurance purchase decision.


Avatar promises to respond to claims within 24 hours and resolve them quickly. Although they do offer online quoting, they do not have an online claims form. Claims can be filed by phone 24 hours a day. There is no detail on the claims process.

Although there is a page for information on catastrophes, common in Florida’s hurricane-prone areas, it provides only emergency preparedness information and nothing regarding how Avatar handles catastrophe claims.

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Ratings and Consumer Reviews

Avatar Insurance currently carries an F rating with the Better Business Bureau (BBB). The site states the reason for the poor rating is due to the company’s failure to respond to five complaints, and four complaints that were left unresolved. There are currently 11 negative reviews on the BBB website and 27 complaints that have been filed in the last three years – 23 of which were closed in the last 12 months. 24 of the complaints listed concern problems with their product/service.

The Florida Department of Financial Services offers a complaints database for insurance companies. The most recent data for Avatar is for the fourth quarter of 2016 when the company had a total of three complaints filed. That’s one complaint for every 6,559 policies in force.

Yelp has an overall 1-star rating for the company based on four negative reviews. The content of these reviews is poor customer service and long wait times for an adjuster or callback from the company.

The Bottom Line

Avatar Insurance appears to have a good reputation and has grown steadily in the 9 years since it was founded, though the company’s BBB rating and customer service complaints do raise a bit of concern in terms of their responsiveness to customer complaints. They are well worth putting on the list for Florida homeowners in search of insurance, and their online quoting system makes it easy to get a general idea of how they will stack up to other insurers. While small companies don’t often compete premium-wise with the big ones, that’s not always the case in Florida’s changing market, so a company like Avatar is worth a closer look.

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

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Review Information

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Avatar 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.


  1. There is an old adage: “You get what you pay for.”

    In this case, you will get less or nothing for your purchase and may wind up paying much more than your original premium if you are not careful.

    There is a reason the premium is so cheap, and the reasons the reviews are so negative.

    • I am not getting what I paid for.

      Late in December of 2019, I filed a claim with Avatar for damage to our cabinets due to a plumbing water leak.

      Realizing it was the holiday season, I did not expect an immediate reply.

      After days of waiting, my local agent called Avatar and was told that the person they were assigning my case to was out sick.

      After waiting a few days, I made several attempts to contact Avatar and the person assigned to my claim.

      Never able to talk to a live person, I was always transferred to voice mail only to hear that the mailbox was full and could not leave a message.

      Days later I finally received a call from Avatar but was not home at that time.

      They left a message asking me to return their call.

      When I tried to call back later that day I was transferred to voice mail and the mailbox was full.

      I tried repeatedly to contact the person who called, always getting the same response- not available, sent to voice mail – mailbox was full.

      After several days, an adjuster came and said we would hear from Avatar soon. Days passed with no response.

      January 21 I was told a person from a service company working for Avatar would come that day.

      They came and took measurements and pictures and said a cabinet company from West Palm, FL would come within a week and give an estimate.

      We live in Bradenton. They never came.

      February 3 I called Avatar with the same results as before.

      I called back and went through “new claims”, and finally got to talk to a live person who was in charge of my claim.

      I was told that she would contact her supervisor and we should hear something soon. Still waiting.

      February 6 I received a letter from Avatar stating that Avatar is electing to use the option to repair or replace damaged property and they had assigned a licensed contractor to perform the repairs.

      The letter stated the contractor would contact us directly and tell us when they would come. Still waiting for that call.

      February 17 Reached out to the service company working for Avatar who had previously come to our house.

      February 19 The service company responded saying Avatar had changed their process and would have to get other estimates.

      I took that to mean the cabinet company from West Palm, FL would not be the one getting an estimate. An estimate from a local company was provided.

      February 26- My wife and I were experiencing some respiratory problems, and I talked with a mold removal company explaining the musty smell that was coming from damaged cabinets.

      I was told we could possibly have a mold problem. I passed along this information to the service company working for Avatar.

      Since my wife and I are experiencing respiratory problems, I personally started removing as many damaged pieces of wood as I could.

      March 18 Reached out to the service company working for Avatar and was told they had heard nothing from Avatar.

      They indicated they were working several claims with Avatar and having similar problems that we are having.

      March 18 Called Avatar only to be sent to voice mail.

      I could not leave a message because the mailbox was full.

      March 18 Contacted local agent who has been very helpful.

      They called Avatar and found that our claim had been reassigned to yet another person.

      They told my local agent they would call me within the hour.

      Avatar never called. My local agent gave me his extension number and I was able to make contact with him later that afternoon.

      He said he would do some checking and call me back. Still waiting. They never called.

      March 19 Called Avatar and was not able to talk with a live person. Instead, I was sent to voice mail and left message. No one called me back.

      March 20 I sent an email to Avatar. I received no response.

      March 24 I called Avatar and could not speak to a live person. Like before, I was transferred to voice mail and left a message.

      March 25 Called Avatar. As before, I could not talk to a live person, but was transferred to voice mail and left a message.

      To this day no one has called or given any reasonable explanation for the delay.

      Avatar knows we are elderly, and that due to the virus pandemic, it will be weeks and maybe months before someone can come and give another estimate which will be followed by more delays by Avatar.

      It could be well into the summer before any action is taken and into next year before cabinets are fixed.

      This could have been handled in a matter of days or weeks at the most if Avatar had done their job.

      It has now been three months and we are still waiting for Avatar to do what we are paying them to do.

      According to Avatar’s advertisement, they promise to respond to claims within 24 hours and resolve them quickly.

      That just is not true. It has been 3 months with very little response and nothing has been resolved.

  2. Many homeowners who have an “emergency” such as water damage or fire damage, call Avatar and understandably, they are upset and may not aks the right questions.

    They may have a policy that will allow them to call the emergency services company of their choice and then be reimbursed by Avatar, rather than just accept the person Avatar sends out.

    It is always good to have a correct understanding of this.

    Avatar prefers to send one of their Contractors out immediately in an “emergency scenario” as above so that the Contractor can “get their foot in the door”.

    They get there before anyone else can (they usually know about it first), and they “start the job”, kind of marking their territory to other private Contractors that the homeowner might have preferred to hire.

    Sometimes when the emergency was not severe, the homeowner has already called the plumber to stop the leak (usually the homeowner’s responsibility) and cleaned up the spill themselves, Avatar will still want to send someone out to the home with “dry out equipment”.

    Avatar says this is to prevent mold from growing, but often it is just a tactic for the Contractor to “get their foot in the door” for the upcoming job.

    Most often, the mold wouldn’t grow THAT fast in a day or two it takes the homeowner to find and schedule a company of their choice.

    The idea seems to be to get the homeowner entangled with the Avatar Contractor/Sub Contractor/Service Company, who may charge Avatar less for the job than other companies in order to maintain their working relationship with Avatar.

    I am not saying that Avatar is doing anything illegal.

    If they contract with a Contractor or company who gives them a low price to do the dry out compared to other estimates, because Avatar throws them a lot of work, that is legal.

    It appears too that Avatar gives a fair estimate in the repair/restoration work on damages.

    It is just these instances of the “emergency situations” where one has to be thoughtful and careful.

    My advice to homeowners, especially on these water damage claims; try to keep your wits about you enough to ask questions:

    Does my policy REQUIRE me to use your dry out Contractor, or Sub Contractor, or Service Company (as the case may be) or am I free to call a company/Contractor of my choice to deal with this water or fire damage?

    Hope this helps.

    • I work for a water mitigation company.

      It’s people like this who will end up calling a mold company in a year due to mold.

      The problem they will run into is that they never properly dried the structure in the beginning.

      Just because you suck up the water does not mean drying equipment is Not needed.

      That is why non-penetrating moisture meters are used to determine saturation.

      An ounce of prevention is worth a pound of cure.

      I do agree that you have the right to hire your own mitigation company and not the one the insurance sends over.

      Some insurance companies will send over a company that they own.

  3. This is the worst Insurance company ever, what ever you do DO NOT use them as when you try to put in a claim they will do what ever they can to get out of it.

    They will even go as far as to hire one an attorney to do what they can not to pay out a claim.

    If you choose not to take this into consideration and go with Avatar you will regret and think back on this and wish you would have listened to this remark.

  4. I am a new Avatar customer. The company I used for the past two years was a joke. They included wind and hail in my hurricane deductible. My distance to the coast is listed as 116,700.00 and I live in Florida. I am a retired risk manager and dealt with insurance. How could I file a hurricane claim if I live 116 thousand miles from the coast?

    When I did a wind mitigation survey they increased my renewal instead of giving me a deduction (trying to get me to pay their Florence claims).

    Avatar gave me higher coverage, cheaper deductibles and a premium for $600 compared to the other $957. I live in a really nice home in a golf community.

    They did not get an A rating by handling claims like is being reported on here.

    • you must live under a rock. they are horrible!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

      • There is an old adage: “You get what you pay for.”

        In this case you will get less or nothing for your purchase and may wind up paying more than your original premium if you are not careful.

        There is a reason the premium is so cheap, and reasons the reviews are so negative,

  5. A loved one works for Avatar and in my opinion, they are a horrible company. This person was so stressed they suffered a stroke and then when they went back to work Avatar wanted to load three times more work on them. The employee was already working 80 or more hours and the pressure and job demands by Avatar probably caused the stroke in the first place.
    If this is the way they treat their employees it is no wonder that homeowners who are insured through Avatar have the kind of complaints that are listed above.
    My advice is to AVOID AVATAR.

  6. Worst insurance company EVER!!! Had a roof leak….called Avatar and I must say they responded ASAP. The adjuster came out assessed damages … I need a new roof. Called Avatar and check was issued…however I have concerns with the contractor they chose. I asked questions got nowhere. Now the contractor wants all funds up front transferred to their bank before the work is EVEN started???? UMMMM NO

    So I contact Avatar and I’m told thats how it works if I want to go with my own GC I have to sign a release and wave any additional funding on my claim if more damage is found. Thanks, EPIC for selling to this CRAP.

  7. I’m having a similar issue. Nothing related to the hurricane, thank goodness. I had a plumbing leak in July 2017, the adjuster came out the next day, he was very nice. Got an estimate for the work which seemed reasonable. I called Avatar to get a check. It’s March 2018 and I’m still waiting for a check, apparently, it’s in management review and has been every time I call them. Then I had a slab leak in Oct 2017, it took a week to get through to Avatar, but I got an adjuster within 2 days. I still haven’t seen an estimate, apparently, it’s also at management review. The most recent call they told me they’d have someone call me and let me know how long it will be. I’m not holding my breath.

    • Oh boy now I’m worried. I have a pipe leak on 02/28/2018. I called Avatar that day, an adjuster and dry out company showed up at my house within 3 hours. Great start! But now it’s been over 30 days and my house is still a mess. We’re walking around on the cement flooring. I’ve called Avatar and have been told my claim is in review. What’s there to review for 30 days? the wall needs to be repaired where the leak was and my floors need to be replaced. I’ve already paid the plumber to repair the leak. This is so frustrating to read all these complaints. The part that gets me mad even more is I’m a licensed adjuster and I know the standards my company uses and expect everyone company to work that way.

  8. When I read the alleged “Better Business Review,” that said this company carries an “A-Plus Rating,” and that very, very few complaints about the company have been seen, I was FLABBERGASTED!!! I would offer, “All evidence to the contrary!” Observing the inputs here, emphasize the preceding comment – in spades! This is January 12, 2018, and we still have experienced nothing but incredible incompetence and gross dissatisfaction from AVATAR, and we are at the point where we believe this company is almost a criminal enterprise but will satisfy myself with the “scam” mentioned by others. I will not get into the specific details of our complaints, but litigation is forthcoming, especially as it applies to discrepancies in “deductible.” As an International Graduate Professor of Business Administration, I submit that this company is at the very least an embarrassment to the industry, and should be put out of business – but not before they are obligated by law to settle all claims against the company.

  9. I am also trying to get ahold of them, Avatar. I was lucky and received a check in December after many, many calls, I am trying to get reimbursed for one night stay at a hotel during Irma but it is not possible to get an answer on their phone. I e-mailed the receipt for the one night stay but have not heard anything. The company is terrible and I am stuck with them until next August when it is time to renew. I am going to report the to the Bureau.

    • If you cashed the check they sent you, you will not be able to collect on your hotel bill. I was advised, by an attorney, that signing and cashing the check was accepting it as final payment.

      • I encourage you to leave Avatar IMMEDIATELY. I was assigned to EPIC and Avatar bought the company.

        I had maximum insurance. I was a victim of Hurricane Irma and two years later Avatar is still refusing to pay for damages that are fully covered under my policy.

        I am stuck with a damaged home and can’t change insurance companies because no other company will insure the damaged property.

        Avatar is still harming me because I have to pay them over 5,000 for coverage of a home I can’t live in because of the company’s refusal to honor the policy… which is a contract.

        I can’t believe Expert Insurance Reviews gives the company a 3.

        The expert stated that Avatar claims to process claims quickly. They lied to Expert.

        There are other victims suffering the way I am.

        I am told some of those are in some stage of legal action against Avatar.


        • Dr. Brings – My partner and I are going through similar false accusations that this dismissal and unethical company has been falsifying.

          It would be interesting to hear your intentions as well as to share our current motives as well.

          I attest that this company should be shut down for good.

          As it is apparent that a vast amount of hardworking homeowners has been vulnerable and taken advantage of mentally, economically, etc, my partner and I am going through similar events.

          There has to be something that can be done.

          This company is a fraud and need to be shutdown!!!

        • My home was also damaged by Hurricane Irma and I am still fighting them.

          I will not give up I will fight till my death.

          These bastards refuse to pay us for damages.

          I now have an attorney and like I said will never give up.

          Why pay for insurance if companies don’t want to pay.

          • Hey
            Avatar just informed me they will not be renewing my policy after a year and a half of fighting them to replace my roof from hail damage.

            90% of the homes in my neighborhood have been replaced due to the same storm.

            This company is the worst I’ve ever had the misfortune of trusting my home too.

            Run away as fast as you can from this cut-rate company.

  10. This company is the WORST – My husband and I made 30 phone calls in 7 weeks since hurricane IRMA before I could finally speak to a human – she was clueless – transferred me to the claim department – I was on hold for 27 minutes, they told me they would send out an “inspector”. 3 weeks later a PAINTING CONTRACTOR (???) hired by AVATAR shows up to inspect the exterior of my home and my roof ??? – he promised to email a copy of the inspection – NEVER got it – he isn’t returning VM’s or emails either – it’s now been 15 weeks and NOTHING. I have 3 roof inspections which I need to send to AVATAR but they won’t even answer the phone. IT’S ATTORNEY TIME. Also reporting them to the INSURANCE COMMISSIONER in Tallahassee and the BBB and Department of Financial Services!

    • It sure seems like they have a problem with paying claims! I have had no response to my phone calls, letters to them, or emails. They have not fully acknowledged or addressed my claims filed May 2018. They have only advised through the Florida Ins Commission of things they do not cover, i.e., screen enclosures lanai and foyer damages.

  11. Oh My goodness! This Company is the worst! Like everyone else I have been scammed by these people too! Took a month for someone to initially come to my house. Then a month later a “roofer” shows up at dark to asses damage again…. I have got a wet attic .. Soffits saging from water damage from roof damage from hurricane he takes pictures in dark was here for maybe 5 minutes.. I get a letter this past weekend that states I only have 400.00 worth of damage. What a sham! I called and customer service was extremely rude. I called the roofer on the 400.00 quote and he said he was told by avatar to only look to see if any shingles were missing.. Run from this company. Such a shame. Someone needs to investigate this company.

  12. I have had an adjuster already come to my home and that was 40 days ago have not gotten a word from them so I have made two attempts to find out something. The first time I was told I would have something emailed to me in & days well three weeks later still nothing so I called today to be told the same thing. I have major damage. Not even sure if my home is safe and they don’t care. This is the most horrible service I have ever has with any kind of company!

    • I finally got a lawyer since it’s been over 90 days and no answer or money. Hopefully things will get better . The only thing is it could take months if it goes to trial. Good luck to you.

      • Please email me the attorney you are using – strength in numbers – I printed all these complaints and all the reviews too!

        • I, too, am a victim of Avatar Insurance Company. My policy, EPIC, was sold to Avatar without me being made aware of the transfer of my coverage. I found this out the day I called to report my damages from Hurricane Irma. They have to be the worst nightmare a homeowner can have. I have mold in my house and they have done nothing to remediate the issue, eventho, I constantly told them of the health issue it presented for my daughter with COPD and chronic asthma. On day 92, after I filed my claim, they issued a check for part of the damage, totally ignoring issues that had been brought to their attention and personal property. No way am I letting them get by with this. It’s time to seek legal action.

      • I have been waiting almost two years since Irma to get my case in front of a judge.

        Avatar sent me a check for $200. (didn’t cash it) for damages in excess of $60,000.

  13. Now I am really worried. I can relate to all the comments above. After much telephone calling, dealing with very bad customers relationship, on hold for twenty min. at the time, a adjuster finally came after 45 days. I must admit the adjuster was very pleasant, but a was from a private company hired by Avatar. He informed me that I had to upload three roof estimates and my bill for tile preventive work, and send them to The insurance company. Avatars email address did not work so sent correspondence to the adjuster to mail for me. He also told me that I had to wait for the insurance company to send their appointed roofing company to take pictures, and give an estimate so that they could compare it with my Roofer’s estimates. I did find out the name of the insurance companies roofer. I have called them several times over the past two weeks. They were exstremly rude more or less insinuated” wait your turn” I have not called them back as I became pretty upset after the conversation. They said they have over 400 roofs on their list and do about 20 a day. If. Any of this ever gets acomplished then the claim goes back to the Insurance company to be evaluated. It has already been 8 weeks. The only correspondence I have had from then was a bill to renew my policy in December. Because I absolutely don’t want to do this I am concerned that the claim will not be finalised before then.

  14. On september 23rd I finally placed a claim after several attempts. For damages sustained from Hurricane Irma. I haven’t heard from the insurance company anything about my claim. Every time I call the system puts you on hold, nobody answer in the claims department. If you need home insurance this in not the right company to deal with

  15. I filed my claim from Irma on September 16, they have been impossible!! My claims person never had a message box able to accept new messages. I would hold hours upon hours to talk to someone. Finally, I was able to talk to a gentleman named [Redacted] and thought I was making progress. He told me I would receive report by email by end of that day but unfortunately he told me I would have to deal with a new person, [Redacted] who I can not reach. This is the worst customer service I have ever seen and will now have to hire an attorney

  16. Had a claim on Aug.13,2017. Today is 87 days and have not heard from Avatar. It was a flood before the hurricane.
    I will be calling the lawyer today.

  17. Right after the hurricane, we contacted Avatar and they said someone would be out within 72 hours. Today is November 2nd. We are still waiting on someone to show up. We call Avatar everyday. On hold up to an hour some days. It always ends the same. The line goes dead. Occasionally, we will call the field adjuster our local insurance agency gave us info on. He never answers and his voice mailbox is always full. Today, we filed a complaint with Florida Department of Finance. That can take up to another 30 days. Our damage isn’t the worst, but our insurance company doesn’t know that. We have paid our premium in full and on time. Look what it has gotten us. Good luck to the rest of you.

  18. Contacted Avatar toll free number the next morning after Irma damage. Female answered and took all information – I asked for a Claim Number and was told no claim numbers were being issued but she has my information and I will hear from someone within 10 business days. I waited, on the 11th business day I called back – number would ring busy then call would drop. This occurred everyday 3 – 5 times when I tried calling back. Finally by the 15th business day my call connected and I was asked for my claim number. I explained that I was not given a claim number when I reported my claim even though I asked for a claim number. I was told that I should have a claim number but since I didn’t they would take my information and start a new claim – so now my claim is starting 18 calendar days later than when I first reported my damage. This experience gave me a bad feeling, although within a couple of weeks an adjuster came. A week after the first adjuster came another adjuster called to announce he would be arriving to assess the replacement costs of the damaged items that were within his field of expertise. It has now been 52 days since my original phone call and I have not been contacted further with any information. When attempting to learn the status of my claim using the website (it simply says that the claim is “open”) often the website is either unreachable or appears to be down. Forget calling by phone, it either rings busy or when it does ring there is no answer or the call falls off. All of this doesn’t bode well for customer satisfaction – Elements Property Insurance & Casualty was my carrier but they were bought out by Avatar recently. I didn’t choose to go with Avatar and will be cancelling my policy with them before renewal. Good customer service is quite easy to provide – however, it isn’t easy to find anymore.

    • They are indeed borderline criminal, I’m fixing to hire [Redacted] to handle a claim we had from hurricane Irma. I had two contractors tell me I need a full roof replacement, and Avatars own roofing company they sent out also said I needed a new roof. Shortly after I received a letter from Avatar declining my claim. Many many unreturned phone calls from the adjuster and Avatar.

  19. I believe this company is a scam. I have yet to hear from an adjuster or get a call back from
    anyone. It is October 30th. I have tried religiously. Adjuster’s name is supposed to be [Redacted]. Maybe we should start a class action law suit or something……

  20. Not living up to their mission “Our mission is to provide quick, effective and efficient service to the reported damage, and always leave customers happy.” I filed a claim in July and it’s still under review. I was also very effected by Irma so now I have two claims pending. Absolutely no communication to the customer, no education regarding the process and today I just saw that they have a website in which you can get updates; however, there are no updates posted or visible.

  21. The worst insurance company to deal with they do anything they can to get you to go away. Filed my claim the day after the hurricane to date nothing done we are getting more damage every time it rains. They sent out a roofer to inspect structure damage to our house? Really. We are calling a attorney today and the Bbb

    • I am having the exact issue with Avatar Insurance after submitting a claim due to hurricane Irma. I decided to check my claim status on their website today and it says that my claim is closed. I have not heard back from anyone, have not seen an adjuster, nor have I had an official estimate for the damages. After trying to reach them for hours today, my call keeps going directly to a dial tone. I’m considering contacting an attorney as well. Good luck to everyone who sustained any damage and has filed a claim with these lying and unscrupulous people.

    • Same thing happening to me. Both telephone numbers provided are ringing busy. My local agent is unable to contact them as well. So much damage and no assistance. Looks like most of us will be forced to hire attorney’s if we do not hear from them soon.

      • I contacted an attorney. I am beyond disappointed with this shady company.

        • Can you recommend an attorney to take these scum bags to court? I am having the issue with Avatar Insurance after submitting a claim due to hurricane Irma. Says that my claim is closed. I have not heard back from anyone. After trying to reach them for hours yesterday and today on hold for hours on end.

          • My attorney’s name is [Redacted]. I also reported them to the insurance regulation agency but their response was pretty useless. Obviously, I am aware that they denied my claim because they are stating that the damage was less than my hurricane deductible but I wasn’t able to ever get ahold of them to tell them that they made a mistake. Estimates from several licensed contractors state that the damages were substantially over what they were claiming. So frustrating…good luck!

  22. I still have not heard from my Adjuster. Was giving his number but goes to voicemail. Call insurance gave me number again. All she could say was he’ll call you soon. Well if anyone goes to lawyer I’m in. Unacceptable.

    • we finally got someone to come out a week ago Thursday, he didn’t upload his findings until this past Friday. Finally reached customer service rep who said they never got it, but when I protested that they had, she found it. Still don’t know what they will settle with us for. I will keep you posted. If you haven’t filed a complaint with the Florida Office of Insurance Regulation you REALLY need to do it!!

      • Update to October 21 comment – finally reached someone about our damages. The guy who came out only sent info to them on the roof, not the fence and didn’t include the damages amount?!?!?! We were told to get an estimate from a licensed contractor and submit both the roof repair and fence estimates to them. The lady also asked for all the pictures we had taken of the damages. We will see what happens.

  23. I too have tried to contact my agent the adjuster and the claims dept.
    All mail boxes are full and 10minutes on hold I get disconnected.
    But yet I received a bill for payment due.
    I’m not impressed nor am I going to allow Avatar to ignor me.
    Time to call the attorney!

  24. Avatar is horrible , I have tried so many times to get through and no one picks up. My roof is now leaking worse and my own agent cant even get through to them. My Own insurance agent told me to contact a local TV Station so now that seems the way to go. If you want bad service go with Avatar , my next move will be with attorney !!!!

  25. what gapped to my claim? no check or call about an adjuster showing up. talked to a [redacted] and she didn’t follow through either it been almost 6 weeks. anyone there?

  26. The worst insurance company. Do not get homeowners insurance from Avatar. It has been over a month since I filed a claim for Irma. The adjustor will not answer her phone or return my calls. The phone number for Avatar has been disconnected. Wow!

  27. Terrible company! LOOK ELSEWHERE FOR INSURANCE! We filed a claim nearly 3 weeks BEFORE IRMA. Cannot get a call, email or anything from there people….. NO response at all!! Now, we have damage piling up and have no choice but to file a compliant with the BBB and hire an attorney.. BUYER BEWARE

  28. Worst insurance company ever. I filed a complaint the next day right after Hurricane Irma and they have yet to call me. I called the customer service line for claims and they actually feel bad for me because no one returns my phone call. The adjuster manager by the name of [Redacted] does not return any phone calls or emails and his voice mail is full. I have a wall that is falling apart in my bathroom and mould due to the rain and I have yet to receive 1 phone call back about my claim. STAY AWAY

  29. Avatar Insurance stinks! they do NOT handle claims in a timely manner. 3 weeks after Hurricane Irma no adjustor has been to assess damages – even though a pine tree landed on my house and did considerable damage. We have apprised them of the situation and received a call from an adjustor who said he had “200 claims to process and would not be out for months” – NOT acceptable! Despite numerous calls to the company we have been stone-walled and ignored. The ceiling is now falling in and mold is developing. There is no way this company should have a Demotech A rating.
    Buy insurance from them at your own risk – if you want bad service, go for it.

    • UPDATE (Kathy) – called Demotech to see if they could assist, very nice folks! – they had someone call us from Tampa within an hour, the lady indicated she would send someone from a construction company to look at the damage. They came a week later (last Thursday) -but, he still hasn’t uploaded the claim info and everytime we try to reach any of the numbers we have, the call is immediately ended. I think they are on the verge of insolvency and just trying to put people off until they can get out of Dodge. TODAY – call the Consumer Services Help Line in Tallahassee – 1-877-693-5236 – to file a formal complaint. If you are having trouble – call this number!!! Also, contact your local newspaper and television stations to get some publicity on this issue.


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