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About Federated National
FedNat was founded in Florida in 1992 and focuses on home insurance solutions for a variety of different types of residence, including those that are difficult to insure. The insurance company operates as a subsidiary of FedNat Holding Company, which also owns another Florida property insurance company, Monarch National.
In addition to their Florida operations, FedNat offers home insurance in Alabama, Louisiana, South Carolina, and Texas. Although they previously carried commercial lines insurance as well, since our last review of this company they appear to have dropped that line and now focus solely on home insurance products.
Interestingly, they do name other types of coverage in various places throughout the website – their quote request form, for instance, lists options including auto and boat insurance. These products are not found in the product list, however. FedNat does provide third party administration for some other companies according to the “about” section of their website, so it is possible those products are underwritten elsewhere.
Policies are sold through local independent agents in the areas they serve.
FedNat Products
The Federated National website is very limited in terms of product information. They list all of the products that are available, but they offer no details on the policies including coverage options or endorsements.
The home insurance products listed on the website are:
- Homeowners
- High Value Homeowners
- Condo
- Renters
- Flood Insurance
Also available from FedNat is personal umbrella insurance, which increases the liability coverage above and beyond what is included in a home policy.
Rates
Although there is a rate quote system on the Federated National website, we chose to use the Florida Office of Insurance Regulation’s rate comparison tool to provide rate information. This tool allows us to see rates for a sample home with a $300,000 value built in 2005. The sample uses a $500 deductible, with a 2% hurricane deductible.
This quoting system instantly provides us with FedNat rates for the sample home across 67 counties, which is more useful for comparison than running a direct rate quote on the site for only one particular zip code.
The returned rates ranged from $1,186 a year for Hernando County to $5,117 a year for Dade County. This wide range is not unusual for a Florida homeowners insurance company and generally reflects the much higher risk present in some counties that are vulnerable to hurricanes and other storm damage.
We then looked at the comparison by company for Dade county; FedNat’s rate for the same sample came in at number 10 out of 27 companies, with a rate a little below average.
Claims
FedNat claims can be reported 24/7 either online or over the phone.
The company has a Preferred Contractor search function that allows customers to find a contractor approved by the company; customers can also choose their own repair company or contractor.
The claims section of the website is far more comprehensive than any other part; it includes a solid FAQ section that details what to expect from the claims process as well as advice for hurricane season and what to do in an emergency.
The site also offers access to a claims advocate to help customer that are have difficulty with the claims process, and a claims satisfaction survey. Both of these options indicate that customer satisfaction with claims is a priority for this company.
Ratings and Consumer Reviews
FedNat has an A+ rating with the Better Business Bureau (BBB), and a total of 116 complaints on file in the past three years. The 76 reviews left by customers are mixed, for an overall three-star rating. A large number of the reviews are highly positive and cite excellent claims service after hurricane damage. Many are quite recent and focus on Hurricane Michael. There are also negative reviews citing an opposite experience.
The most recent complaint data from the Florida Office of Insurance Regulation is for the second quarter of 2018, and the complaint ratio is 1:1574, or one complaint for every 1,574 policies in force. The office places them on the lower side when compared to other companies of a similar size, with some companies considerably higher in terms of complaint volume.
FedNat has 16 reviews on Yelp resulting in an overall 1.5-star rating. The reviews are mainly regarding a negative claims experience.
Overall, FedNat does not have a high complaint volume and has plenty of positive reviews to balance out some of the negative.
The Bottom Line
Federated National may be worth considering for your home insurance, particularly if you have difficulty obtaining coverage. The lack of policy information makes it difficult to draw a conclusion on value, but they do appear to have plenty of happy customers which makes them worth a closer look.
For a list of companies that we recommend, visit our Best Insurance Companies page.
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Review Information
I 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.
vincenza Secor says
I rented a home from a couple who leased it through their business. They have this company. The landlord owns the home free and clear so it was surprising after my accident, she finally provided her insurance information. She has a tiled walkway in front of the home that is worn down to a smooth surface, making it a dangerous surface. It was so bad that they expert I hired said it should be roped off and the public protected from it.
I broke my ankle in several spots. It will never recover correctly. I sent Federated (Fed Nat) everything they needed to evaluate the claim. The did no investigation. They assigned an adjuster who of course her first instinct was to flat out deny the claim and that is exactly what she did. FED NAT is discriminating against me because I am an adjuster. They are forcing me in a situation where I will have to personally sue the landlord. Is that why people pay for insurance? If someone has an accident on your property and you did the right thing by having insurance, if this is the company you have, you better think again.
We didn’t want to file suit and have been trying to work with them for months. When that failed, I wrote them a letter and asked for a manager to call and for the claim to be assigned to someone that could see past her own nose. No one called and the claim was not reassigned. I asked for them to do their own investigation, they did nothing. I filed a Civil Remedy Notice and basically reported the same. So the long and short of it will be, I will need to file suit, which has been something I have gone out of my way to avoid. The benefit will be for the attorney’s when this company could have simply just indemnified their insured. I understand that the landlord might encourage a legal battle, however, that is only because they don’t want a claim on their policy.
sue says
Get an Attorney, do not trust Federated.
Harold Barnett says
Federated sent a check for water damage due to a leaking pipe. The leak took place in late April. They sent us the check in late June. The check was made out to myself, my wife, and the mortgage company. I was told to send the endorsed check to the mortgage company and they would pay the repairs. However, the check did not even begin to cover the total costs (not even half) and the mortgage company placed it in a special account to pay for the repairs. I did not cash it. I am now under the belief that I cannot ask for any more funds from them because the check has been processed. I have had two people give me estimates (one in writing) that state the total amount just for the mold treatment to be over $11,000, and the restoring of my house will cost another $10,000. The check they sent me was for $8,400. That is for both the mold treatment and the restoration. I have called them twice in the last week and they do not return my calls. My wife and I are now considering moving into my brother’s house since the mold is causing us to have severe headaches. Can I file another claim since we cannot stay in the house for health reasons? I have already filed a complaint with the Insurance Commission.
ML says
I have an ongoing claim with Fed Nat since April 2018. It is disheartening to read these reviews. I had water damage to my home that resulted in mold growth. Walls had to be taken down in every room, carpets removed from all the bedrooms, kitchen cabinets replaced and the list goes on. I had a claim declined after Fed Nat inspector said that tile in the kitchen came up because of faulty installation. My claim for the new bedroom floor was declined because I put laminate in the bedrooms instead of carpet. I email my adjuster about certain reimbursements and there’s now radio silence. It is stressful enough having to work on the rebuild but more stressful when the insurance company keeps trying to get out of paying claims.
Jose says
My apartment was destroyed by a fire. Since it was a total loss, I was concerned about getting the run around from my insurance. Was I ever wrong….from the first contact to Adjuster …[Redacted] to the Adjuster that went to look into the loss all were so professional and understandable. Their actions reflect credit not only upon themselves, the claim department but the entire FedNet company. Once again, thank you so much!
Phil B. says
Let this be a warning to anyone looking to Federated National to insure their home. Do not expect them to stand with you when it comes time to file a claim. Dealing with hurricane damage in FL is already difficult, but when your insurance company does everything in its power to prevent paying on claims just makes it sting a little more.
I filed a claim after Hurricane Irma in the fall of 2017 and it has taken 8 months of fighting and scratching with FedNat to get just a partial settlement. It has been a mix of misinformation, disappearing employees, and contradictions of opinion by their “professional” adjusters. They left me in a complete black hole for 2 ½ months when they would not respond to any of my communications. It took my perseverance with these irresponsible people to squeeze a little blood from their turnip.
It is hard to sum up 8 months of their bull crap into a short summary, but this is my best shot. FedNat sent out an adjuster within a few weeks of the hurricane. He advised I would need a new roof due to storm damage along with other damages to my home. Weeks went by waiting for his report, but nothing. According to FedNat, he “didn’t work there anymore” and my references to him were dismissed as if the guy never existed or even made an assessment of my home. Next FedNat sends out a guy named [Redacted]. This guy was a joke, but he is considered their “best adjuster.” Other than the fact he dismissed all the damage found by the previous adjuster, he claimed my roof was in “perfect condition” even after back to back Cat 3 & 4 hurricanes. Mr. [Redacted] also told me water damage to the inside ceiling could easily be repaired with spackle and paint (even though the sheetrock was completely compromised).
Of course, Mr. [Redacted]’s report showed I would not need a roof replacement and did not meet the hurricane deductible based on the other damages. When I called to discuss this further with the FedNat agent assigned to my claim, he also disappeared and no one knew who he was. I finally spoke with Ms. [Redacted], a claims supervisor, who made light of my claim, laughed at me, but then changed her tune when I said Mr. [Redacted] told me not to worry about mold possibilities. She decided to send out an “impartial” company by the name of [Redacted] who claim to be professional roofing assessors. Their inspector came out and took a lot of photos, but the report he provided centered on only 2 areas of my roof. His assessment said there was pre-existing damage so FedNat was not responsible.
On to mediation…stay persistent!! The 2 jokers that showed up couldn’t keep their facts or story straight. They tried to work from the [redacted] report, but this conflicted with Mr. [Redacted]’s assessment. Then they changed tactics and claimed it was poor workmanship and low-quality roofing shingles. These guys refused to acknowledge the initial adjuster was even sent to my house. They also said the roofing companies I found provided assessments from salespeople and not roofing professionals. This was actually not true, but I guess slandering people is part of their game.
In the end, I was able to get just under 50% of the funds for a new roof, but I had to work hard for MY money. I do not expect things to be any easier in the future after reading similar comments by other FedNat clients. There are too many similar stories, so my case is not isolated. I also found a financial article on how FedNat was potentially going to lose millions of dollars if they actually paid out on the legitimate claims from Hurricane Irma. One hell of a reason for them to fight every claim and fire anyone going against the company policy. Hope are you now thinking twice about working with these people.
One last thought about FedNat and their cronies. I had some gutters added to my house to help with water control. Turns out Mr. [Redacted] and [Redacted] missed seeing the FREAKING HOLE in my roof which was causing the damage to the inside of my home. If that doesn’t sum up their “professional” work, I don’t know what would.
sue says
They need to prove there were pre-existing conditions. Hire a lawyer. They also screwed me but it won’t happen again.
T. Khan says
Over nine months have elapsed since I lodged a damage claim with Federated National during June of 2017 and as at date there are several issues which remain unresolved despite my constant follow-up and a lack of action/response from Federated National.
The following is a synopsis of the sequence of events in chronological order:
On May 24th strong winds caused rain to penetrate the concrete tile roof system of my property and caused:
Water stains on the ceiling of two bedrooms and the ceiling of the garage. Mold was evident on the garage ceiling and was remediated by a company contracted by Federated National.
Horizontal cracks occurred along the stuccoed fascia of the garage.
Water stains also occurred on the master bathroom wall.
On May 29th Federated National Field Adjuster inspected the damages and arranged with a contractor to tarp approximately 3/4 of the roof over the areas that leaked in order to prevent further damages.
Federated National did compensate us for repainting of the water-stained ceiling.
On July 10th another inspection was subsequently performed by Federated National’s engineering company. The report contained flawed/contradictory statements such as A) “There is no roof damage”, whereas the report stated daylight intrusion from the roof into the attic (there are no ridge vents on the roof), and B) “The cracks on the mortar fascia and soffit areas occurred as a result of long term water intrusion and deterioration of fascia boards undern the stucco”, whereas a recent inspection by a reputable roofing company revealed there were no rotted/decayed fascia boards where the cracks occurred after they removed the roof tiles and inspected the areas in question (we have written confirmation on file). Such flawed statements resulted in the partial rejection of our claim by Federated National.
On August 31st strong winds and rain caused leaks in two of the three previously damaged areas despite the roof was covered with tarps. Secondary larger water stains formed on the ceiling of the western bedroom and the garage ceiling inclusive of mold growth. On Sep 1st I apprised Federated National of the leaks inclusive of pictures. However, we did not receive any response.
Prior to landfall of Hurricane Irma on Sep 10th, we contacted Federated National expressing our concerns of additional potential damages as a result of the occurrence of additional leaks during events of lower winds and rainfall. We also contacted Federated National roofing contractor for assistance but were informed that they received an e-mail from Federated National instructing then to not take any action since our file was already closed.
On Sep 10th stronger winds from Hurricane Irma again caused rain to once more penetrate the tarps and concrete tile roof system. This time a large section of ceiling collapsed from one of the previously damaged bedrooms. There was significant water intrusion. We arranged for emergency repairs of the area and installed a dehumidifier to remove any humidity from the room to prevent/reduce mold growth. Replacement tarps were installed on the roof immediately after the storm as some of the original ones were damaged. The damaged areas of the property are the same areas which were impacted on two previous occasions.
On December 26th, 2017 Federated National telephoned me confirming the mold inspection they arranged revealed the existence of mold within the property and a check will be mailed to us to remediate the same. As at date, this check remains outstanding.
We have not cashed any of the two checks we received from Federated National due to our ongoing dispute on the roof leaks as outlined in previous e-mail communications.
The following issues were communicated to Federated National and remain unresolved:
1. Checks received but not cashed:
A) The check for repainting the three damaged ceiling areas is now stale dated and needs to be replaced.
B) We declined Federated National second check as a final settlement on all outstanding damages.This check has not been cashed in order to keep our claim active.
2) Payment approved by Federated National but not received:
A) We were informed a check for mold remediation will be mailed to us, however, this check is pending and is yet to be received by us. Delay in the mold remediation process can lead to health issues which will ultimately be Federated National’s responsibility.
3) Repair costs yet to be approved and paid:
A) An estimate from a reputable roofing company to repair the roof leaks was sent to Federated National, however, no response has been received to date.
B) A detailed list of legitimate expenses incurred was sent to Federated National for reimbursement, however, again no response has been received to date.
We continue to experience ongoing delay/ non-responsiveness tactics from several Federated National personnel which questions their lack of honesty in payment of legitimate costs and expenses and their integrity as a major insurance service provider.
Sue says
Our home was hit by IRMA, Federated sent out there adjuster on 10/01/17 and we were told he would call for a tarp. Two days later I called the adjuster and reminded him it’s raining a lot more than when it was a day ago and the forecast it a lot of rain. The following day I called [redacted] again and was told we need to call Federated and speak to the inside adjuster [Redacted] and I did. We were told she doesn’t call for tarps, we need to do that she gave me 2 phone numbers to call only one company had tarps. It was almost 7-8 days before we received a tarp on our roof. The damage to our home is all water damage, the water was actually coming through our kitchen lighting fixtures, destroyed our drywall, flooring in kitchen cabinets and flooring in our living room and hall, 2 ceilings in our linen closet, 2nd bedroom ceiling and flooring. Tried calling back Federated and left [Redacted] numerous voicemails and never received a callback. Hired an attorney, finally settled over the phone with our attorney 2 weeks ago so we can get the roof fixed before the coming hurricane season starts. All of our neighbors ask whats going on we told them everything so I doubt if anyone from our zip code 32962 will have Federated again. But now we know, Both my husband and I are both disabled and he is a US Veteran, so our kitchen was ripped out being we had to have mold mediation, can cook and do not have an oven, no lights in the kitchen and we still have concrete floors. It’s disgusting how an insurance company can make people live like this, but they are the ones who will answer to a higher power one of these days, Shame shame on Federated . Called today to try and find out where my settlement check is , left voice messages still no return call from anyone from Federated
Sue coakley says
Call an attorney.
Sue coakley says
Federated needs new management. I can see 95 % of the comments are very negative especially with a company who does not respond to people, who yet they make lots of money by investing our premiums. One of our neighbor’s insurance company actually paid more for the best metal roof because they know it will last 30-45 years. As soon as I find out what insurance company it is, I will post it…
Andrew Lambert says
Ms. Coakley,
Thank you for taking the time to share your feedback. I sincerely apologize that your experience with us was not as pleasant as we would’ve hoped for. As you’re aware, your claim is currently in litigation so we cannot discuss any specifics in this forum. If you would like to have your legal representative reach out to us and discuss the claim, we’d be more than happy to do so.
Thank you
Sue coakley says
Not anymore, according to the attorney who we were working with, Federated is sending them a check for there fees and we are waiting for a release to sign before they send us our big settlement check. So my question is where is the release authorization? Also, note the check needs a tracking number on it for the mortgage company to sign it and it’s a different address to send it to. Both my husband and I are both disabled and have been living in our home with out a kitchen at all, we’ve had a microwave to use to cook which isn’t very healthy for either one of us, concrete floors throughout and holed in lots of our ceiling. You would think Federated would put a rush on this, but to be homes no one who works for Federated could care less, Federated is only worried about saving money not care at all about there customers …. Shame and you all
Sue coakley says
Thank you for your reply My Lambert but to be honest, it doesn’t help me in any way. We need this house fixed before the rains start again and if they do I’ll have another claim to put in. How long will this release take and how long will it take for us to get our check?
sue says
federated should not be in business, you’ve also done this to another family member of mine. I bet all the adjusters you have sent out aren’t even licensed in any way. Federated does not give any replacement cost in today’s time. You’ll go under especially in Florida, sorry to say. We pay an insurance company every year to insure our home and you did not even come close to what should have been paid and we had GC’s look at our damage. Yes, we did settle for $20,000 less then what our professional Licensed Florida adjuster, your adjusters are from all over the US. Sad thing but it is what it is.
Samantha Silva says
To Whom It May Concern,
I filed a homeowner’s claim (Claim# [redacted]) after Hurricane Irma in Sept. I received a check and only after asking many times for the estimate, I received the estimate by email. However, the estimate given by Fed Nat has been significantly lower than the amount contractors are quoting me for re-roofing. I have called many times over the past 4 weeks to discuss this issue with no luck. Both the agent in charge of my claim ([Reacted]) and her supervisor ([Redacted]) have not answered nor returned my calls. This is unacceptable from a company that prides itself on customer service. I am strongly considering not renewing my insurance policy with Fed Nat because of this unprofessional customer service.
Andrew Lambert - Director of Claims Operations says
Samantha,
Thank you for taking the time to provide valuable feedback. As we discussed on the phone this morning, we sincerely apologize for the lack of communication on our end. When possible, please reply to my email from earlier with the information sent to our claims department so I may continue to move this claim toward a quick and favorable resolution.
Samantha Silva says
Although I have been contacted by Mr. Lambert, 3 weeks later and I’m still at the same standstill as I was when I originally posted this complaint with no resolution in sight. It’s frustrating to see that other homeowners are getting their roof fixed and I’m still in the same situation for the past 4 months that I’ve had this claim open.
Steve says
Florida homeowners completely dissatisfied and frustrated with Federated National. We initially filed a property damage claim about a week after hurricane Irma. We sustained interior and exterior ceiling damage due to water leaks from the wind lifted shingles on the roof. They started off by incorrectly entering the date of loss as being BEFORE the hurricane. We pointed this out immediately and several more times and was told not to worry about it, to this day the date remains wrong.
We were able to speak with a claims representative who told us there would be an interior and an exterior adjuster sent out to evaluate the damage. After about a week we had not heard back from anyone at Federated National. We called back and was told our claim had not been assigned to anyone yet. They apologized and gave us the names of the adjusters assigned to our claim. The interior adjuster [Redacted] never answered his phone, never returned voicemail messages I left and most importantly, never showed up to evaluate the damage. The exterior adjuster, [Redacted] did respond and came out promptly to evaluate the roof. When she arrived she was visibly moving with some discomfort and complained of back pain. I told her I would be happy to set up my ladder for the inspection and assist her on the roof as I have 25 years of roofing inspection experience with a large metropolitan Building Department. She gladly accepted my assistance.
We got up on the roof together and [Redacted] explained her process and what she would be looking for. I pointed out the areas where I had already replaced shingles to mitigate further damage. Additionally, there was one area where a tree branch had punched through the shingles and roof She began by chalk marking a 10’x10′ area also known as a roofing square on the west slope of the roof. She said if she could find 25 or more shingles with wind lifted broken seals, that the identified slope would be recommended for replacement. After the first square was evaluated and found to have more than 25 wind lifted shingles, she was having difficulty bending over from her back pain and I offered to chalk mark the rest of the slopes on the roof and lift shingles while she took photographs and made notes. She willingly accepted my assistance. We easily found more than the required 25 wind lifted shingles on every slope of the roof and all were chalk marked and photographed as such. She explained that based on the water damaged ceilings we had and the amount of wind lifted shingles we found during the inspection, that her final report would recommend replacement of the entire roof. [Redacted] did look and the lanai ceiling that was damaged but did not inspect the interior ceilings. We did send her via email, pictures of all of the ceiling damage before and after I repaired them. Before [Redacted] left she asked that we be patient due to the number of claims filed from hurricane Irma. We told her we understood and thanked her for her time.
After about a month of waiting and hearing nothing from anyone, we called our broker to see if he could find out what was going on and why it was taking so long. He said that he was told our claim had been settled and that we should be receiving two checks very soon. We looked at our claim online and sure enough, it showed the status of “settled”. We only received one of the two checks and it was originally mailed to the wrong address. We still have not received the second check. The check we did receive was less than 10% of what it would cost to replace the roof let alone the damage to the ceilings in the house and on the lanai. I called the desk adjuster [Redacted] and argued with him at length about the amount of the settlement. During our conversation, it became clear that the report he received from the field adjuster was VERY different than what [Redacted] and I had observed and documented during her visit to our property. Confused, I contacted [Redacted] via email and asked her why the report she submitted was so vastly different from what we observed and documented during her initial visit. She explained that when she began preparing her final report she could not find the pictures she and I took with her camera that day so she went back out to my property with an assistant without informing me and they determined that there was no significant wind damage to the roof and that all the shingles had miraculously sealed back down. [Redacted] said she did what her supervisor instructed her to do. I am definitely disputing this so-called settlement and will explore all options available to me to bring this to a fair and reasonable resolution. Dealing with this company has been very frustrating. Their customer service is very poor. It is very difficult, nearly impossible, to speak with someone, they generally do not answer the phone and do not return voicemail or email messages. Extremely unprofessional.
Andrew Lambert - Director of Claims Operations says
Steve,
When possible, could you please send me your claim information as well as the names of the adjusters you were working with? I would like to have this claim reevaluated as soon as possible.
Thank you.
Steve Dwyer says
Mr. Lambert,
Please send me your contact information and I will give you the information you are requesting. I look forward to getting this resolved. I have been sending emails to claims and various people in your organization since the middle of November and had absolutely NO REPLY from anyone. Fed Nat’s customer service is completely unacceptable.
Andrew Lambert - Director of Claims Operations says
Steve,
I apologize for not including our contact information in my last post. I was able to locate your claim information based on your last name. I have forwarded the information to the applicable Manager. They will be contacting you soon to discuss the claim in full detail.
Thank you very much for your patience and for being a valued policyholder!
Steve says
Mr. Lambert,
Do you realize that absolutely nothing has been done to re-evaluate my claim? It has been months since your last reply. Nobody from FedNat has contacted me or my representative. What kind of business are you running over there? This is getting way beyond ridiculous! I deserve a response.
Thomas Ranaldi says
I couldn’t be more upset with this company. After today, I’m really considering not renewing for 2018 home owners insurance and looking elsewhere. I’ve submitted a claim and never heard from my adjuster which is [Redacted]. Called to find out whats going on and found out they mailed out my check which I’ve never received I’ve been on the phone nearly every single day trying to get [Redacted] or his supervisor to give me a call back because I have asked to cancel that check, and be issued another one and was told they were going to send me out a new one expedited. Well, today I called and I got [Redacted]’s assistant on the phone was told the check has never been canceled. Meanwhile a month later and nothing has happened. I don’t know what more I can do to get things further. Everyone I’ve talked to on customer service says all they can do is leave an email to [Redacted] and tell him to call me as soon as possible. I have done that multiple times now and nothing. What else can I possibly do?
Eric Stauffer says
Hi Thomas,
You can contact your State’s Insurance Commissioner’s Office and file a complaint. These often light a fire under insurance companies to solve the outstanding issue.
Best,
Eric Stauffer
Andrew Lambert - Director of Claims Operations says
Thomas,
We apologize for the delay in this process. We strive to handle situations like yours in a much more efficient and timely manner but unfortunately we were unable to. I have reviewed the claim and checked the tracking number. The payments are expected to arrive to your home by the end of the day. I was able to speak briefly with your wife and advise of their expected arrival. I have also left my direct contact information with her if any you have any questions or concerns.
Thank you for your patience and for being a valued policyholder!
Engin Arat says
FED-NET Claim number: [Redacted]
We reported our hurricane IRMA damage with federated national on September 14, 2017. Our two-story house has serious wind and water damage.
We have roof damage, broken window, sliders out of its tracks, water damage in the kitchen, water damage in two of our bedrooms, privacy fence is destroyed, pool cage and screen down, power surge problems, AC fan died. Our main concern is mold, we do not know the size of the roof damage, there is no active leaking but there are stains an spots on the ceilings you can see with a naked eye. There is that smell upstairs in our kids’ bedrooms.
We have three little kids (ages, 12, 10, 8) and we are worried about their health so we had AC people check the units. It certainly is not from the AC but the wet insulation. One of the AC units had another issue, since the hurricane, because of the power surge the fan died on us and had to be replaced. The porch ceiling finally gave in and collapsed, it was that heavy cause of hurricane pushed water. The kitchen cabinets are about to fall, which is dangerous for all of us.
A week after we received a phone call saying we were assigned an internal and also an external adjuster and they were to contact us to come and inspect our property. We were also told not to fix anything until inspection, which was quite a challenge. It still is. We did not hear from anybody for another week and our phone calls were not returned. On the other hand, they are really good at sending notifications in the mail, such as reserving their rights.
So we hired a public adjuster on September 27, 2017. It took him 4 weeks (November 1, 2017) to have the insurance adjuster to inspect damages. We were told it would take two more weeks to get the report. Now it is December 6, 2017. NO NEWS! During the inspection, we were told the roof and sliding doors needed to be seen by an engineer but we were to wait. We had roofing companies come and give us an estimate and because it is a metal roof many failed to provide an estimate.
I had a meeting with my adjuster last week and he told us we had to sign a sworn statement for proof of loss. He was not even provided with an official copy of our policy. So we are back to square one.
My question is why is it taking so long to get the report and necessary paperwork done? Going through Hurricane Irma was horrible. The stress of putting our house, our property and our lives back together has been as hard as IRMA.
3 months after the hurricane we still don’t know how and when the house will be complete.
erik hoffer says
simple stall technique. hire an attorney… it’s the only way to work with fednat
Andrew Lambert - Director of Claims Operations says
Engin,
Thank you for taking the time share some feedback on this site. I sincerely apologize for any lack of communication on our part. I have spoken with the adjuster and supervisor responsible for the handling of your claim. They have informed me that they were able to speak with you today to review the initial payments made, as well as the additional information we need to fully process the claim. I will continue to monitor the file to ensure that we are keeping it on a path to quick resolution. If you have any questions or concerns during this process, please do not hesitate to reach out me for assistance at service@fednat.com.
Thanks again for your patience and for being a valued policyholder!
– Andy
Engin Arat says
Thank you so much for following up Mr.Lambert.
Things are moving right now . Yes we did talk to the adjuster- she was very kind, understanding and helpful. Looking forward to meeting the assigned engineer. We are hoping for a quick resolution as well.
Engin
Brenda Kaiser says
After Irma we filed a claim for our 1600 square foot shop, which was covered under other structures. A field adjuster came and we heard from an adjuster – [Redacted]- within two weeks. She assured us we would have Information on our claim within 10 days. I had to call her two weeks later. She said she was waiting for more information from the field adjuster and would call me right back. Five days later, I called her. She was still waiting for information but said it looked like we didn’t have a claim. They didn’t cover fences or “sheds.” Our policy covers our shop under “other structures” up to $45,000. She showed me within my policy what she considered was reason to deny our claim. I asked her if she saw the pictures of the building and she said: “looks like a shed to me.” I asked to speak to someone else or get a new adjuster and she told me “No ma’am. That’s not how this works.” In the back and forth that ensued, I mentioned that we work on our business vehicles in the shop and then she said. “It looks like you should have had a commercial policy then.”
So, in the end, after entering into a policy in good faith, this company is holding us up over fine print and “gotcha” tactics. Next step, Florida Insurance Commission and a private adjuster. Possibly, a lawyer.
Chris says
I have filed a claim for damage to the ceiling in our garage. There are two areas that have fallen. An adjuster came out to inspect within a few days and recommended the entire ceiling be replaced. After a few weeks I called and was told it was waiting approval. After another week, I called again. 3 days later the adjuster called to advise they are sending an engineer to inspect. I called my adjuster to inquire further about why since their adjuster has already surveyed the damages but no call back yet. We have had this insurance for 3 years with no prior claims. Advice needed
Andrew Lambert says
Chris,
I apologize for any miscommunication on our end. I would like to review your claim and try to expedite a resolution as soon as I can. If possible, could you please email your claim and/or policy information to service@fednat.com? Once received, I will be able to contact the appropriate claim handlers and move things in the right direction.
Thank you!
Erik Hoffer says
Fed Nat is an insensitive, inept conglomeration of confused arrogant people whose focus is deception and denial in the face of doing their job. I have submitted a claim from Irma which has been tossed around from 6 agents and 3 supervisors who, each in their own way has delayed my claim, disrespected the obvious nature of the claim and have each made a concerted effort to delay the inevitable satisfaction of my claim. I guess they somehow feel if they say it enough the roof will heal itself immaculately. I can”t be more disappointed in the way these people have jerked me around. They fire or have their adjusters leave on a weekly basis, probably because they see the fraud from within. Their lip service is just that, all talk no action, all talk no empathy, all talk and nothing gets done besides letting things slip further out of mind for them. Their delay tactic is disgusting. Overall they are truly a bad company and I unfortunately went with them as a carrier and now I am paying the price for dealing with these morons.
Jackie Schmidt says
I was with my mother when Hurricane Irma passed directly over Lakeland. Afterwords, we went outside to evaluate damage to her property and noticed several shingles on the lawn. My mother called Federated National, and an adjuster was sent to her house. After going on the roof, he stated that a “pathway” was seen on the roof as if an associated tornado had passed over. He then stated that she would need a new roof and that she should contact companies to get quotes, which she did. The company has been waiting to fix the roof. My mother has been calling and waiting for a reply in regards to when the company may start the new roof. However, today the adjuster called to say that the roofer him a letter stating that several shingles were loose. NOW he is coming out to reevaluate the damage to the roof.
After reading several reviews, I realize we, too, are getting the run around. When I researched to find a rating for this company, a reputable source stated, this company “has a somewhat high level of complaints for a company of this size.” If the adjuster cannot review damage correctly the first time, why would a company keep that employee? This company is spending more money to have him come to my mother’s house again. It seems like just another way to delay writing a check and sending an adjuster worksheet. With comments and ratings like these, how does this relatively new company expect to compete with other insurance companies? I sincerely hope to get a reply from the company to rectify this problem.
Andrew Lambert says
Jackie,
Thank you for taking the time to share some information about your mother’s claim. I would like to review your claim further and in greater detail. Unfortunately, I am unable to glean any of the claim information from your post, but if you could send me some claim specific information to service@fednat.com I will be in a better position to assist.
Thank you for your time and I look forward to working with you on an amicable resolution.
K Gravelle says
We filed our claim two days after Hurricane Irma hit. Our home has substantial damage (top of the roof is completely gone, all sheet-rock on ceilings and walls is ruined, water went under floor tiles into subfloor, kitchen cabinets ruined….the list goes on and on). We met with a remediation company who has gutted our house and tarped our roof. The “outside” adjuster was absolutely fabulous. He took every call from us and made us feel like we were his only clients. This is where our positive experience ends! Our first “inside” adjuster passed us on to a second adjuster who basically sat on our claim for nearly a month after receiving the full report from the outside adjuster and THEN called us to say that she could not handle our claim as it was too large and she was passing us on to the large claims department and we would hear from our new adjuster “within a couple of days”. This was last Monday. We called AGAIN (we call at least 4 times a week and get a run-around every time) Wednesday and spoke with someone who gave us the name of our new adjuster. We called and left him 2 messages with no response. We finally reached him last night and were told that he is, in fact, NOT our new adjuster and that he was passing us on to a supervisor in the large claims department. We left her a message but don’t hold out much hope for a call back. The one time I actually spoke with my “inside” adjuster – this in adjuster #2 – I explained that we have loss of use insurance and a short-term rental rider to our policy and had to cancel many bookings due to the storm. She quoted part of a line from our policy that states “rentals cancelled by either party are not covered”. I told that that I believed that she was reading an excerpt from a line of our policy and taking it too literally and this can not be what the policy writer had in mind. She just kept reading this quote and saying we are not covered. We did not cancel the rentals; Irma did. We have a roofing company that wants to get us on the schedule over the next few weeks. We have sent a deposit in the amount of our deductible. They can not start the job until they get a scope of work from our insurance company. When our former adjuster called last Monday to say she was off our case, my husband tried to explain that we need the scope of work ASAP to start the roofing job, her response was “do not TOUCH that roof until you hear from us”! Our frustration level is, pardon the pun, through the roof! My sister has Citizen’s Insurance and already has a check in hand for her new roof and they filed after their claim after us!
Andrew Lambert says
Ken,
I have reviewed your file and spoken with the Management team associated with the handling and asked them to reach out to you to discuss the payment process of your claim. I sincerely apologize for the lack of communication on our end and will address that separately with the appropriate parties. As stated above, the claims professional reviewing your claim will be in touch to discuss the payment process for ALL aspects of your claim. Please don’t hesitate to contact me directly at service@fednat.com.
Thank you for your patience and for being a valued policyholder.
Donna Goodwin says
Gee, looks like this is how you hear back from FedNat – I sent an email 6 days ago and haven’t heard back. The adjuster came out promptly and said not to expect anything for 2-3 weeks but it’s been 8 now!
Hopefully Andrew will see this and be able to help.
Blue tarped on the Space Coast …
Ginny says
Wow! Some of the comments are discouraging! I have had Federated National for a number of years and have never filed a claim. I am choosing to stay positive. I have two neighbors that have had sucessful claims with FN.
My roof was damaged during Hurricane Irma. In my case, the adjuster was sent in a timely manner and agreed with the roofing company that we needed a new roof. My husband called FN yesterday for an update and was told the adjuster recommended a new roof and who ever he reported to agreed. Now the issue is in some “committee”. Not sure how long that takes. After reading Johns comment I’m wondering about this “engineer” possibly coming? Really? Look around at the blue tarps!! I really have nothing to complain about at this point. Maybe I will have some positive news soon. Stay tuned.
Ginny says
Well I said “stay tuned” and I am back but not with bad news.
I called FN and they said we were approved and “check was in the mail” AND IT WAS!!!!! Check arrived today!!!!!! we are very impressed with the promptness of FN and the results.
First let me say, I do not work for Federated National nor do I know anyone who does. They have insured us for a lot of years but this (thankfully) is the first time we have filed a claim.
After reading all the reviews and so many negative comments and issues I wasn’t sure what to expect.
but my experience has been so positive.
Christina says
This has to be the worst experience I have ever had with an insurance company. After making a claim after Hurricane Irma, the report from the field adjuster never made it to the desk adjuster. After five weeks and constant calling the desk adjuster finally agreed to help us and track down this report. He would promise dates about when his report would be submitted and when we would find out if it was approved and we would never find out for days after what he told us. Finally the checks and documents were mailed. However, the checks have arrived but still no documents and it has been 8 days now since the documents were supposedly mailed. We have called the desk adjuster and asked if the loss report could be faxed or emailed and no response. Our roof is scheduled to be replaced next week and I can’t get the checks cashed by our mortgage company until I get the loss report. I do not understand why it is so difficult to return a phone call. This is ridiculous.
Christina Lambert says
To follow up, I finally received a call from the adjuster yesterday who promptly emailed me my loss report. I am happy that I finally have it. However, I am not happy that the loss report that was supposedly mailed to me never made it. Nor am I happy that it took multiple phone calls and messages to get it emailed to me.
Helen Schwarzmann says
I filed a homeowner’s claim on 9/16/17 with Federated National and still have yet to see a dime of payment on my claim.
My house roof and the roof on the utility house was torn up by Hurricane Irma. Three roofers came out to my house for estimates, which was a feat in and of itself. One roofer gave me a form and told me to fill out only one of the many blanks, sign and get notarized. When the check arrived from the insurance company, he said to call him. He wanted me to hand that entire check over to him with the notarized blank form and THAT was his proposal! Another roofer gave me a lump sum estimate that did not include the soffit and fascia and he wants 90% of the payment before the work is done! The third was the reputable company I want to go with, who detailed their proposal and also tarped my home. That company delineated the scope of the job, and proposed a fair price, which my adjuster mentioned on a phone call on 10/28. But week after week, nothing.
Federated National is dragging the paying of my claim on and on while mold is growing in my house! The mold remediation companies won’t come out, let alone give me an estimate and start work till the roof is secured – and not with a blue tarp – but by a new ROOF! (Waiting lists are well into 4 weeks for a new roof.) My entire dining room ceiling fell in and personal property was damaged and broken beyond repair. The walls of the utility house are falling inwards and I have to drag the doors to open them and there are snakes living in there now because of all the frogs, which are also living and defecating under the damaged house soffits. Two ceiling fans are not working, and ceilings in other rooms have obvious water damage and mold. Yet week after week I get the run around.
I have gotten two calls from the adjuster and only on the last two Saturdays – both times at 5:40 pm. I only got those two calls because my insurance agent leaves multiple messages on the adjuster’s line to call me. I do not get my own voicemails or emails answered EVER. Meanwhile, my home is rotting and I can’t get the roofing proposal OK’d for payment. I am so exhausted from this circular process. I feel captive by an insurance policy that will not do what it states it will do. Pay my claim.
Andrew Lambert says
Helen,
I checked in on your claim and it appears that we are processing your supplemental payment based off of your contractor’s estimate, we issued payment on 11/9/17. We have also received the tarp invoice and inventory of contents and are currently reviewing both. Thank you for your patience during this process.
Helen Schwarzmann says
Going through Hurricane Irma was horrible. The effects on my house, property, and life were horrible. And enduring nearly two months of stress while struggling to get someone from Federated National to communicate with me and follow through was equally horrible. I’m extremely thankful for the forum Expert Insurance Reviews gave me to reach someone within Federated National who could intervene and help me get started processing my claim. And for Andrew for caring enough to take care of those of us posting for help. Thank you.
Danielle Beeson says
We reported our hurricane irma damage with federated national on September 14. We have yet to hear from our adjuster also. I have called several times, as well as sent 2 direct emails to my assigned adjuster. Its going on 7 weeks with no answers and no damage amount. Our field adjuster FINALLY entered the report of damage about a week ago. My brother and sister in law live about 2 streets over and have State Farm and they’ve already fixed their property. I have 2 special needs children, an uprooted tree in the backyard leaning against our fence, our fence is completely detached on both sides, and our roof is missing about 20 shingles. I dont like the idea that we pay a fair amount to have coverage on our property, but are being COMPLETELY avoided when calling for answers :(
Andrew Lambert - Director of Claims Operations says
Danielle,
I have reviewed your claim, and as I stated in the voicemail this morning, the payments were issued today for your Hurricane Irma claim. I’d like to sincerely apologize for any lack of communication on our part in handling your claim. I left my direct phone number and email with you in the message, please feel free to reach out me to discuss any aspect of the claim. As I’ve stated to others on Eric’s site, the feedback you provide to us is invaluable. Every comment, positive or negative, allows us to get better as a claims operation.
Thank you for taking the time to provide us with your feedback and for being a valued policyholder.
Danielle says
Thank you sir for your time and help. We are grateful we involved you in our claim :) great job
Brian Smith says
I can not say how frustrated I am with Fed Nat throughout this entire Claim. I submitted my Claim Sept 12. Adjuster came out almost 1 month ago. Since then I have reached out to Fed Nat weekly for updates and get a complete run around. I never get the same answer twice. Here it is 1 month later and I still haven’t spoke to the new Internal Adjuster or His supervisor. I have called them numerous times as well as sent Emails and no courtesy return call. As of this morning I have tried 7 times to get an update and after being placed on hold I get hung up on or transferred without notice to the same internal adjuster that never returns my calls. I don’t know what else to do. Going on almost 2 months now and no body can tell me anything. Extremely Upset at this point.
Andrew Lambert - Director of Claims Operations says
Brian,
I have reviewed your claim with the adjuster and supervisor assigned for handling. It appears they were successful in discussing the process and payment with you yesterday and today. Please don’t hesitate to contact us with any questions or concerns you may have.
Thank you for your patience and for being a valued policyholder.
– Andy
Brian Smith says
Yes, Thanks for checking into it. It appears as if we are good to go. In my opinion and speaking for myself most of my concerns could have been easily addressed if the folks that answer the phone would have taken the time to explain the proceess and set an expectation as what to expect. In this case, I was told different info each time and transferred way to many times to endless voicemails. Hopefully these calls are monitored for “Quality Assurance” and used for training purposes. It would appear that some of these reps forget what’s most important, The Customer. Thanks Again.
Kevin Rodriguez says
Hello Brian. Who did you speak with? I’ve been dealing with a Hurricane Irma insurance claim since September 13th. I keep getting the run around from a few people, including a “[Redacted]”.
Brian Smith says
I sent an email to service@fednat.com with all of my info and claim number and what I had been going through. I believe the gentleman on here mr Lambert got things rolling. I would send your email and concerns to that email and give them a few days. You might want to reach out to your adjuster that came out to your house. The hold might be on his end and paperwork not getting submitted timely. Fednat did make good on the claim after all so hopefully this helps and you get this thing wrapped up.
Kevin Rodriguez says
Hey Brian. Thank you. I finally received my adjuster’s phone number (took a while…!). Also, Mr. Lambert did get ahold of me via email and it looks like things are rolling (with me holding their hands). Thanks for your input! Hopefully we get things wrapped up withing a few weeks.
Brian Smith says
So my checks and adjuster worksheet was received close to a week ago and sent off to my mortgage company. However, I still do not have my Settlement Letter which my mortgage company will not release any of the repair money with out it. I’ve called all week to try and get a copy of it and we are back to voicemails and emails with no result. All I need is for it to be sent to me via EMAIL. Mr Lambert can you please help with this Settlement Letter and have it emailed?
Andrew Lambert says
Brian,
As we discussed earlier, I am pleased to hear that you received an electronic copy of the letter and estimate for your records. I apologize for the delay. I can confirm that physical copies of both documents were mailed out on November 11 and should be to you in the matter of a few days. Please don’t hesitate to reach out to me directly with any questions you may have.
– Andy
John Matthews says
We experienced some damage after Hurricane Irma. We had a roofer come out and assess the situation and he said we needed a new roof. Called FN, they assigned an adjuster who agreed with the roofing company. I’ve been told to expect “a report” in 2 weeks and I certainly hope the story doesn’t change between Monday and two weeks from now. My interactions with FN have been very cordial and professional to date, but in reading these comments, I am fearful that I too will get the “roofing engineer” referral who will then disagree with the adjuster and roofing company. I sure hope that isn’t the case and I can happily come back here and report that everything went as it was supposed to go. I am cautiously optimistic!!!! However, I simply cant understand why an “engineer” needs to come out—either you trust your adjusters to do the job or you don’t, if you don’t, why hire them—simply send engineers on each job and save the money you’re paying the adjusters—-hopefully I’ll be “the guy” who gets everything that should be covered with little to no issues!!! Hopefully!!
Andrew Lambert - Director of Claims Operations says
John,
I want to thank you for sending your inquiry to service@fednat.com and also allowing me to speak with you for a few minutes about your claim. As we discussed, we strive for perfection in every interaction but unfortunately sometimes it doesn’t work out that way. That why I applaud Eric for setting up a forum for you, the customer, to reach out and say “hey, what’s going on.” As I did today, and all the posts below, I will do all I can to get involved and get the claim moving in the right direction.
We look forward to helping you through this time and please don’t hesitate to contact me at any point during this process for assistance.
Thank you for taking the time to reach out to us and for being a valued policyholder!
– Andy
John says
Just to keep this thread up-to-date as I work through my claim:
The contracted adjuster came out when he said he would, he told me he’d have the report submitted to Federated National within 2 weeks. I called Federated National this morning, spoke with Courtney who advised me that the report was received on Monday 10/23/17 and that it generally takes 5-7 days to internally review and process the proposed settlement.
So, I’ll wait the week or two and see what comes back to me.
Again, its still early in the process, but I am not having the challenges others have reported here. FedNat has been responsive, professional and helpful so far on this claim. I hope this trend continues and I can report that my claim was hassle free from initial report of damage through settlement!!
John
Andrew Lambert - Director of Claims Operations says
John,
I just checked with our support department and it looks like your payment is being processed and sent today. I see that you were able to discuss the claim settlement process with your assigned adjuster yesterday. As I’m sure she stated, please don’t hesitate to reach out to us if you have any questions.
Thank you again for your patience and allowing us to assist you.
John matthews says
Well, I was very skeptical—-but FN did everything they were supposed to do, well ahead of schedule. There were a few items mistakenly left off the initial report, which FN immediately corrected and asked for a few pictures to support my claim, which I just sent in. I have had the very good fortune of dealing with Ms [Redacted] who could NOT have been more accommodating, understanding and professional. I feel bad for “expecting” a conflict but every time I thought I was going to have one, Ms [Redacted] was able to explain to me exactly “why things were calculated the way they were”. It all made sense to me once I asked for an explanation. I hope the contractors that complete my project are half as good as what I have experience with FN so far! I’m not a FN employee, stock holder or investor—-just a guy who had a claim after a storm and told my insurance company about it—-they did exactly what they said they’d do, can’t ask for more than that!
John says
To close out this portion of my claim: I received a check in the mail on Monday to cover the loss. From start to finish it was well within what I’d consider an acceptable time frame, the communication was frequent (mostly because I had many many questions) my claims rep. Ms [Redacted], continued to be incredibly helpful, as was the Director of Claims, Mr. Lambert, who received an email I wrote and called me back very quickly. I can only assume that, while every company has its faults, its those that feel they got the short end of a process that feel compelled (rightly) to list their grievance here. I am sure that those that have posted here have experienced what they claim–however that was NOT my experience. I was very concerned initially and ended up very satisfied.
Alain hyppt says
I started a claim on Sept 19th after Irma.Despite a ton of calls from myself and my agent, no one tries to contact me yet.I am wondering whether this company is legitimate.The amount of lawsuits this company is about to face enormous.
Andrew Lambert - Director of Claims Operations says
Alain,
Thank you for taking the time to post about your claim. I have located your claim information and have notified the appropriate claims manager to review and contact you immediately. We sincerely apologize for the delay and will address the situation as soon as possible.
Thank you.
Banks says
Wow are their any good reviews, I’m entering a hurricane claim now with them and getting discouraged already..
Andrew Lambert - Director of Claims Operations says
Banks,
While I cannot dispute your assessment about the “good” reviews posted here on Eric’s website. I can confirm that there some folks listed below that I was able to reach out to and help resolve any issues. I would love to do the same for you. Hopefully our service will shine and you can be the first to write a positive review for us. Please email your claim information to service@fednat.com and I will make sure I can alleviate your discouragement.
Thank you for your time and for being a valued policyholder!
Debbie says
You and me both! I filed a claim day after hurricane Irma, said I would be contacted within two days didn’t even get a call for almost two weeks then 3 appointments where made and changed finally had adjuster come out said new roof needed my privacy fence down as well, I have been called and said claim was ready call back to go over, called back they didn’t know who the Person was, didn’t know anything! I was hung up on by first person second one didn’t want to deal with me and left me hanging on for 40 minutes when I realized she dumped me! My adjuster promised me he was going to take care of my claim and finish it the next day He promised said I would hear from him before 5 last Wednesday nothing I called him and they said he wasn’t in office they didn’t know anything! Nobody knows anything at this company! Took my $2600 or more premiums for 9 years! I found out a couple weeks before hurricane that I have an aortic aneurysm and have to avoid stress and getting blood pressure raised at all costs, I have been in bed since last Wednesday because they got me so stressed out! I will be contacting an Attorney I can’t let them cost me my life! Everyone we know has had there claims done and paid and are getting their work done, they all asking us the same question who the Hell is your Insurance Company!! I really wish I had checked reviews sooner!! They won’t let anyone see their original adjusters notes where they say they need a new roof unbelievable!! I made sure to screenshot these so I have them when we get Attorney!
Andrew Lambert - Director of Claims Operations says
Debbie,
I apologize for any difficulties caused by the handling of the claim. I would like to jump right in and try to assist you in this time of need. Could you please forward your claim specific information (claim #, policy#, etc.) to service@fednat.com and I will address it immediately.
Thank you.
Deb says
I am experiencing the same thing about my roof. I reached out to Andrew when I had unresolved issues with my Hurricane Matthew claim & I am now having the same issues with my Hurricane Irma claim. Roof still no fixed.
They are trying to claim my roof was damaged by normal wear and tear – my roof was just fine before the storm. I had oak trees & a fence with concrete still attached ripped out of the ground – as if this wasn’t enough info the adjuster told me that a hurricane couldn’t cause the kind of damage I have. Really?
My roofer did a letter stating this is hurricane damage. I have been through many hurricanes in my life – this is ridiculous!
All my neighbors have had their claims processed and are done.
I paid my premiums now honor your end and pay this claim.
Andrew Lambert - Director of Claims Operations says
Deb,
As I stated on the voicemail I left you, we’ve attempted to contact you a few times to discuss the settlement process for your claim. I apologize that we haven’t been able to connect voice-to-voice yet, but I assure you we are trying. I left you some direct contact numbers of the parties responsible for the handling of your claim. If able, please contact us to discuss in further detail.
Thank you for your patience and for being a valued policyholder.
Andrew Lambert - Director of Claims Operations says
Deb,
In reviewing your claim, it appears that a payment was issued for your damages and sent out on 10/25/17. Please don’t hesitate to contact me directly with any questions you may have.
Thank you for your patience and providing valuable feedback that will allow us to better serve our customers.
Debbie says
I wanted to update my information to say that Adam Lambert is a man of his word and has my respect! After I put this review on here he answered and said he would like me to give him my information and try to get my claim moving ASAP and he did just that! Within a week I was not only contacted by a new adjuster I received the claim explanation and a check . I still have not been able to catch up with the adjuster to explain everything we keep missing each other but I wanted to say thank you very much to Adam! I only wish the rest of Federated’s Employees would have been kind and more knowledgeable so all this frustration and aggravation could have been avoided, hopefully going forward the company will offer some kind of continued education classes to get all their employees on the same page?
To everyone on this site I would suggest you try giving Adam Lambert the chance to help you, I think you will be happy you did.
Thanks Again,
Debbie
Paula Brown says
We filed a claim on May 31, 2017 with Federated National for a roof leak due to a hail storm. A claims adjuster was not scheduled to come to our home until over a month later. After the adjuster went up on the roof, he explained that we not only had hail damage but also wind damage. A few more weeks go by and I received a call that an engineer needs to come out and do an inspection as well. This didn’t happen until over one month after the inspector came out. Now it is almost another month later and we have not received anything. I am getting the feeling this is NOT a good and reliable insurance company especially after reading some of the other comments on this site. At any rate, we just want to get our roof fixed.
Andrew Lambert says
Paula,
Thank you for taking the time to share some information about your claim. I have located your policy and spoken directly with the supervisor overseeing your claim. She is reviewing, and will contact you today to discuss in greater detail. I apologize that your experience to date has been less than stellar. We hope we can resolve your problem and achieve an amicable resolution.
Thank you
Deb says
I would like to speak with Adam Lambert – Dir Of Claims Operations in regard to my Hurricane Matthew claim.
Thank you
Andrew Lambert says
Deb,
I am more than happy to speak with you about your Hurricane Matthew claim. Please email your contact and claim information to service@fednat.com and I will contact you as soon as possible.
Thank you.
Allan Ochalek says
Eric,
Thanks for your work with this site. I see where Andrew Lambert the Director of Claims Operation has responded to several of these complaints and moves them off this site. Do you have any information you can post on how the complaints were resolved?
Raegan says
I am extremely disappointed and saddened with the way this insurance company handled our claim. It is the exact same scenario as stated in the other comments above regarding hail damage. We had a horrible hail storm hit our area about 3 months ago. Since we never get hail here we were all unsure of what damage it could cause. After talking with neighbors and doing some research we knew being we had quarter size hail slam our house for 10 minutes straight there would be roof damage. Like all of our neighbors we filed a claim and the insurance company sent an adjuster out within two days. He marked up the roof all over the place circling areas of damage and taking pictures. He recommended calling a roofer right away because they would be busy replacing a lot of roofs in this area. He said the insurance company would call us in about a week or so. Three weeks went by and not a word!!! So we called and were told that they would now need to send an “expert” out to inspect the roof. When my husband questioned why they needed to send a second person out they were very wishy washy and would not really give him a straight answer. They said the expert would call us in a couple of days to set up an appointment. A week went by and again no word!!! We had to call them again and they told us they didn’t know why the expert had not gotten in touch with us yet. Low and behold that afternoon the guy called us. Right of the bat I knew something was up being that this “expert” was being sent from a city two and half hours from where we live!! Once he finally made it around to getting here he was a complete jerk and it was quite obvious that he knew what his “findings” would be before he even got up there. In the mean time all of my neighbors with other insurance companies were having ONE adjuster come out and without hesitation having their claims approved and new roofs being put on with little cost to them in a two to three week time frame. We constantly had neighbors coming over wondering why we had not gotten a new roof yet!! Meanwhile the expert said he would write up report and submit it to the insurance company and that would take about two weeks. Three more weeks go by and nothing so my husband has to call them AGAIN. Low and behold our case manager states she had just gotten the report that day and would be in touch with us in a couple of days. Two days later she calls and gives what sounded like a completely rehearsed speech denying our claim and stating we had absolutely no damage!!! The house 5 feet away just got a new roof two days before and your telling me I don’t have one lick of damage. Everyone in my neighborhood is shocked how the insurance company treated us and can’t believe they denied our claim. Our case manager was totally rude to us as well. When my husband asked what were our options on trying to have our case reexamined through some sort of arbitration or something she rudely said get a lawyer that would be your option. My husband and I our good people and have always paid our premiums on time and never filed a claim before. All we wanted was to be treated fairly. This is why we have insurance…for situations like this. Our agent has filed a complaint with the state department of insurance and we are currently looking into possible legal action especially since we feel the insurance company denied us with the knowledge we did have damage. We too were not allowed to see the first adjusters report as they said they would not give to us but we could see the experts report if we wanted…really..???!!!! My brother has this insurance company and he is now looking to switch after what happened to us and we won’t be recommended this company to anyone in the future.
Andrew Lambert - Director of Claims Operations says
Raegan,
Thank you for taking the time to share some information about your claim. I would like to review your claim further and in greater detail. Unfortunately, I am unable to glean any of the claim information from your post, but if you could send me some claim specific information to service@fednat.com I will be in a better position to assist.
Thank you for your time and I look forward to working with you on an amicable resolution.
N. Benoit says
I am also going through this same exact situation. We experienced significant roof damage May 3rd. They sent out an adjuster who told me that he was recommending roof replacement. The claims department then called me about a week later to tell me that my damages were repairable at $822 in damage but my deductible is $1000. I questioned how can that be since adjuster recommended roof replacement. Claim worker stated that they submitted my info to the adjuster to come up with a repair price instead. I then asked if I can appeal the process as we were looking to replace our shingle roof with a metal roof so we hopefully don’t have to be concerned with roof damage again. They then told me they were going to send an “expert Engineer” out who of course makes their final decision. He came out June 7th and I am just getting their final decision today July 24th. This seems to be a loophole this company goes thru to not pay legit claims. Also, when I requested the ORIGINAL adjusters report that suggested roof replacement, I keep getting told that they will not provide that to me and that they can only send me the “expert engineer” report. I feel that it is not acceptable that my insurance company is keeping documents from me showIng me what the original adjuster suggested initially. I also left messages throughout this 75 day process. I was told the engineer report would take 2-3 weeks to be received. He came to my home on June 7th and his report was submitted to my insurance on July 12th which was 5 weeks. The time frames of making this decision felt very inadequate. I truly feel that my insurance company expects me to just go up there and throw some shingles on my roof to put a bandaid on the problem instead of replacing or repairing my roof the correct way. I spoke to a roofer and was told there is no way he or any professional roofer would correctly repair my roof for $822.
Andrew Lambert - Director of Claims Operations says
Mrs. Benoit,
Thank you for reaching out to us and advising of your situation. I have accessed your claim and reviewed the information presented. The file has been forwarded to the appropriate Manager to review and discuss. Within the file, there is mention of you providing us with an estimate from a roofer you contracted with to do repairs to your roof. I’m not showing that we received that estimate from you (this would have been around 6/8/17). Can you please forward that estimate to us at service@fednat.com?
As I stated above, the proper Manager has been advised of your concerns on the claim and will be reviewing the file. I hope that we can work together to bring the claim to an amicable resolution.
Thank you.
Olivia Draghita says
I was given a Federated National Policy for my home in Panama City Beach FL through the agent [Redacted]. I was given a notice to fix 4 of the shingles on my roof and then submit to them a new roof cert report showing the shingles had been replaced and to do this immediately!. Then after I did all of this I was Informed by [Redacted] a week later that my policy is being cancelled by Fed Nat because the roof is 18 yrs old. even though i’ve paid in full for my policy!! [Redacted] also let me know That I would be given the refund minus the days that I was provided coverage which is about a full month. This company is a joke! what I would like to know is why I was issued a policy to begin with if the roof age wasn’t up to fed nat’s standards.
Andrew Lambert - Director of Claims Operations says
Olivia,
Thank you for taking the time to share your thoughts regarding your policy. We have located your information and are currently working on the matter. I have been advised that our Underwriting Department has reached out to you to discuss the situation. Please contact us back at your convenience so we may discuss the policy in the further detail. You can also reach us at service@fednat.com.
Thank you.
Christopher Clouse says
Ms. Draghita,
Thank you for bringing your concerns to us regarding the handling of your home insurance. After viewing your file it would appear that your agent was in possession of a Citizens 4-point inspection which basically provides a report on the condition of the homes electrical, plumbing, HVAC and roofing. Contained in this report is an indication that the shingle roof was original to the home construction in 1999 and has 2 or less years of life remaining. Our published guidelines require a minimum of 5 years of remaining life and shingle roofs 18 years of age are ineligible. I apologize for the agent not realizing that your home was not eligible for coverage with our company but when we reviewed the documents submitted by the agent after the insurance was bound it was found to be ineligible and the notice of cancellation was issued providing you and your agent time to secure replacement coverage. Should you have any other questions or concerns please feel free to contact our office.
Regards,
Christopher Clouse, CPCU, ARM
VP of Personal Lines Underwriting.
Scott says
I contacted Federated National about a roof issue after a storm. The 1st Federated National employee assigned to my case never even called to set up anything. So, after a week or so, I called them back and a new person was assigned to my case, [Redacted]. This all began on March 21st. An adjuster came out and reported a new roof was needed. After a period of time and no word from Federated National, another adjuster, a roof “expert”, was sent out to evaluate. Another month passed by! I called May 24th only to find out the expert felt only $693 worth of damage should be paid out ($500 is my expense). Over 20 houses in my neighborhood had similar damage and received a new roof. They must have a different insurance company. How ironic?? The best part of this is that I called them to find out from an operator because no one was available to take my call. I doubt they will call me back, but it is apparent that they love to take my money when they should be paying me as I seem to be doing all of the work. It is sad that I have to post this in hopes someone at Federated National will read this and take time from there busy schedule to maybe call me back! If they can rectify this, I might be willing to change my opinion, but at this point, Avoid Federated National at all costs!
Andrew Lambert says
Scott,
First off, let me apologize for any delay in contact at the onset of your claim and also our unavailability when you took time out of your busy schedule to contact us. Please know that we strive for better service than you have described in your comment.
With that said, I have now read your posting and would like to assist in rectifying this situation. If you would, please email us at service@fednat.com with claim specific information. I will review this information personally and make sure it is handled by the appropriate party.
Thank you for taking the time to reach out to us, I hope that we can work together to change your opinion.
Lilli says
Hello Scott,
Here we are just a few weeks later and our situation is pretty much the same as yours. We have had two adjusters come out to inspect our roof. According to our roofing company representative, the first one supposedly stated we have significant wind damage and was going to recommend a roof replacement, which agreed with the roofer’s findings. However, the first adjuster’s report showed otherwise and indicated the repairs would cost well below the $1,000 deductible. The Engineering Report that came thereafter collaborated the same (the experts). In the meantime, several other houses on our street have had less roof damage than ours and the owners have already received approval from their insurance providers for a full roof replacement. How ironic is right!! The only two houses on the street that have not had an approval are insured with guess whom? Federated National! In the meantime, the Desk Claims Adjuster never responds to our emails or calls us back. Just one call or email to state Federated National’s case on the matter and that is all. No ongoing communication whatsoever. I have not had a pleasant experience at all with this company. Of course, they have been very happy to take our money for the past 7 years. Same as you. We are in the same boat.
Andrew Lambert - Director of Claims Operations says
Lilli,
Please allow me to echo similar apologies made to Scott above, regarding our lack of response to your requests for information. I would like to review your claim in a similar fashion, but unfortunately I do not have your claim information available at this time.
If you would, please forward claim specific information to me at service@fednat.com so I may get it to the appropriate claims professional.
Thank you, and have a great day.
N. Benoit says
I am also going through this same exact situation. Sounds like Federated National needs new adjusters bc this seems to be a norm with them. We experienced significant roof damage May 3rd. They sent out an adjuster who told me that he was recommending roof replacement. They then called me to tell me that my damages were repairable at $822 in damage but my deductible is $1000. I questioned if I can appeal the process as we were looking to replace our shingle roof with a metal roof so we hopefully don’t have to be concerned with roof damage again. They then told me they were going to send an “expert Engineer” out who of course makes their final decision. He came out June 7th and I am just getting their final decision today July 24th. This seems to be a loophole this company goes thru to not pay legit claims. Also, when I requested the ORIGINAL adjusters report that suggested roof replacement, I keep getting told that they will not provide that to me and that they can only send me the “expert engineer” report.
kimberly clark says
I’m very upset! My son’s car was parked and someone hit him. I filed the claim on Feb 21 and it is now April 11. I’ve been calling checking the status of the claim and NO ONE will return the call. I left messages for the adjuster and her manager and still no return call and my son’s car is still wrecked. This has to be the worst insurance company I’ve ever had in my life. I just want to get the car fixed, what do I pay insurance for and can’t get the service I need. This is terrible.
Andrew Lambert - Director of Claims Operations says
Kimberly,
As I stated in my conversation with you on the phone this afternoon, we sincerely apologize for any delay in moving this claim toward a resolution. I am glad that we were able to discuss the matter with you yesterday and today and hopefully resolve soon. If you have any follow up questions or concerns, please email me directly at service@fednat.com.
Thank you.
Jerry Simmons says
We have had an open claim going on 4 months, seems no one will return a phone call or give you the time of day. One of you insured drivers caused a wreck leaving my daughters vehicle totaled. We were ask to release the vehicle so it would not continue to being charged storage, have not heard from adjuster since, thinking about filing theft report referring to release under false pretense. Would love for someone who had the authority to settle this claim contact me as I am the owner of the vehicle. By the way my daughter is disabled and this vehicle was specially modified for her also her wheelchair was damaged but this company don’t seem to care. VERY POOR!!
Andrew Lambert - Director of Claims Operations says
Jerry, we appreciate you taking the time to share your thoughts with us. While we cannot discuss the specific details of the claim here, please send us your claim information at service@fednat.com and we will forward the matter to the appropriate claims professional.
Edward McKlein says
WORST COMPANY YOU CAN CHOOSE. Having an insurance with Federated National is like having a cane made of rubber or a gun that shoots backwards.
You have to read the reviews. They may be cheap, as cheap and useless as a spoon with a big hole in the middle. STAY AWAY.
Andrew Lambert - Director of Claims Operations says
Edward, we are troubled to hear that you have had what appears to be an unpleasant experience with us. While we cannot discuss the details of the claim here, please send us your specific claim information at service@fednat.com. I would like to review the situation and attempt to resolve your concerns.
Thank you.
Briana Harris says
I want to begin by saying I am disappointed in the decorum of National Federated and your insured . My experiences with Federated National has been nothing but offensive. My accident with your insured occurred on Monday September 19, 2016 and today February the 10th I am still trying to get my bodily injury claim resolved.
After the accident, I was taken by car to Kaiser Permanente Urgent Care for my injuries. Candy McDonald. your insured illegally made a left turn when I had the right-a-way. After experiencing spinal surgery in August of 2015, you can see how an unforeseen act of misjudgment can re-injure my spine or cause additional pain and discomfort.
Upon admittance to the Kaiser Urgent Care, it was their recommendation that I needed to consult my neurologist who performed my spinal surgery a year before. it was then recommended that I not return to work until I see my neurologist. I was given a referral to the neurologist and a letter (September 19, 2016) to be off until my appointment which was that Friday September 23, 2016.
I saw my neurologist and he referred me to physical therapy (Assessment pg.2/3), after my P.T. evaluation, it was recommended that rehab be extended from September 26 through October 3. Sir, I am a Fulton County School Bus Driver, my occupation requires me driving a 26,000 pound bus with students who have to be transported safely back and forth to school. My inability to provide these services was hindered by the incident Candy McDonald caused.
Sitting for 7 hours a day being mindful of students and my surroundings (from the driver’s seat) to ensure safety is challenging and if I can’t do my job and in pain, not flexible enough to turn my neck from side to side I will not get paid! My mother’s vehicle was subsequently totaled, which put me in a predicament because I had no transportation to a job where I sign in at 5:15 A.M. Monday thru Friday.
Our N.F. customer service began with the property adjuster never introducing herself as the one who’s handling my claim. As I tried contacting her for questions she acted as if she was upset at the questions I asked. She never informed me that I had to pay for a rental car out of pocket and be reimbursed until I inquired about transportation. I spent over eleven hundred dollars on a rental to then find out I won’t be reimbursed the full amount.
I was later told I was sent a check for the reimbursement but the system changed the address and it went to a address that does not exist. When the claim adjuster got notice that the truck was totaled, she gave me 24 hours to get my personal items out of the vehicle because the repair shop would charge the company if the vehicle was left there any longer. Not wanting any additional loss of money, I had to take another day off because the repair shop were not open on weekends.
After the accident, it took at least a month for me to even speak with the Bodily Claim adjuster who was ill for the first two weeks. Finally, when we spoke he directed me to call him as soon as I finish treatment. I contacted him and provided all documents needed for him to review. He then contacted me with an offer for which he hadn’t taken my co-payments or wages into consideration.
After not hearing from him in about another month I decided to Ms. Sheila Wilmont (December 2016) and she reviewed the claim. Ms. Wilmont, then noticed Mr. Ronny Calero did not send me a wage verification form and advised him to do so. He sent the form with every date wrong on it (the accident date and the dates I needed to be paid from being from work.
After sending me another form which took time and lots of frustration on both parts, he then said he’ll send another form which would take another seven to ten days. But I never received the second copy. Instead of calling me and informing of their change, I then reached out only to get news that $2,500.00 was his final offer and he will not take my wages into consideration. This is unfair and I think someone should be notified about this. Can you please guide me to whom review and assist me?
Jason says
I was hit from behind by one of their policy holders. After doing the appraisal, they denied the $900 claim. I asked for the specific clause in the policy that justified their denial. The adjuster sent me an email containing the clause that she was referencing. After reading it, it was clear that this clause referred to the auto owned by the policy holder, not the non-owned auto (mine). After pointing this out to her, she changed her story and said it was denied because their was a Homeowners Endorsement Exclusion excluding the driver of the car that hit me. I asked for a signed copy of this exclusion. She now refuses to answer my emails and her supervisor will not return my phone calls. Unbelievable that the message you get when on hold with them talks about their 22 years of outstanding service.
Andrew Lambert - Director of Claims Operations says
Jason, we appreciate you taking the time to share your thoughts with us. While we cannot discuss the specific details of the claim here, please send us your claim information at service@fednat.com and we will forward the matter to the appropriate claims professional.
Andrew Lambert - Director of Claims Operations says
Jason, we appreciate you taking the time to share your thoughts with us. We have received the necessary claim information and we are currently reviewing the situation. The proper claims professional will be reaching out to discuss the matter further.
Thank you.
Dawn says
We have laminate flooring throughout our home. After 8 years we noticed a few raised spots in one of the bedrooms. Upon removing the one of the planks we discovered moisture. We called our agent immediately and they told us to contact a restoration company. We called and they found water under the floor in several rooms. They told us to remove the flooring. Finding the damage to be more extensive than originally believed, we put a claim in with FedNat. They sent out an engineer and found no leaks. It took them over a month to get back to us with a claim denial. They stated that they do not cover faulty installation. They don’t justify how they determined that the installation 8 years ago was faulty. They listed the following exclusion of coverage:
Faulty, inadequate or defective:
1) Planning, zoning, development, surveying, siting;
2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction;
3) Materials used in repair, construction, renovation or remodeling;
I asked if that means they would not cover damage from a leak in a roof that had been installed 15 years ago by claiming faulty installation. I also am concerned about how they would determine claim for fire.
Andrew Lambert says
Dawn, we appreciate you taking the time to share your thoughts with us. While we cannot discuss the specific details of the claim here, please send us your claim information at service@fednat.com and we will forward the matter to the appropriate claims professional.
Thank you.
Andrew Lambert - Director of Claims Operations says
Dawn, as stated above, please forward us any specific claim information that you can so we may review. Rather than the above listed email address, please submit any information to service@fednat.com.
Thank you.
Bob Stephens says
You better hope that no one hits you who has this company as there provider
A lady ran into me back in November. Damage to my bumper, they totaled my car, thought it’s perfectly safe and drivable.
They were suppose to mail me a form which I had to call back several times to get.
I returned the form with my title, adjuster said she’d call as soon as she received it. I found out she received it on Jan 26. I called her and her supervisor every day for a week never got a call back. I demanded to speak to some, got to talk to someone else who said I now needed to sign and send another form. Did that, the next day I was connected to adjuster who tells me they have to pick up my car before they’ll give me my check. So I don’t have any means of transport for days but you get to take my car.. never heard of this, what horrible service I got from this third rate company. Over 3 months I’ve had to wait for this. If your looking for insurance stay away from this sorry company. Pray your never involved with one of their clients.
This has been the worse insurance experience of my life
zero stars
Andrew Lambert says
Bob, we appreciate you taking the time to share your thoughts with us. While we cannot discuss the specific details of the claim here, please send us your claim information at service@fednat.com and we will forward the matter to the appropriate claims professional.
Thank you.
Andrew Lambert - Director of Claims Operations says
Bob, as stated above, please forward us any specific claim information that you can so we may review. Rather than the above listed email address, please submit any information to service@fednat.com.
Thank you.
Wendy golden says
Upon returning to our condo after spending three months away and paying a home watch service to come into the home and check everything weekly, we discovered water damage. We called a restoring company who removed the wet carpet, pad, plasterboard and insulation. The damage was caused by a high head sprinkler that had a 360 degree spray that broke the window seal and allowed the water to run into the space ,down the inside of wall and onto carpet. The main water line was turned off in the home. The internal adjuster for Federated National denied the claim stating that elevated water was not covered. I am now on a second round of antibiotics related to allergies to mold that irrited my airway. We are letting the lawyer handle this.
Gregory Merrill says
After a major hail storm where over 1,000 homes had a complete roof replacement in our subdivision Federated’s adjusters said there was little damage to my roof and offered a small sum for REPAIRS. How one house has no damage and the two adjacent homes have destroyed roofs is beyond me. I am getting legal help with this one.
Diana says
Eric, I am thinking of switching my homeowners insurance to this company. From the information you”ve gathered, would you trust or choose this company- Federated National?
I am being asked to cancel my current policy before starting with them and a roof inspection will not be done prior to this cancellation so i am concerned.
Thanks for sharing.
Eric Stauffer says
Hi Diana,
I cannot speak on your personal situation, but for me I prefer to bundle my insurance for maximum savings. I also prefer to have one point of contact when possible, as it streamlines the management of my insurance products. Since Federated National doesn’t do auto insurance, that would be a problem for me.
Regarding canceling a previous policy… I am not sure what the details are for this (they may want to ensure you are not using two policies for the same thing) but I know I wouldn’t be caught without coverage for even a day. My hunch is they could write the policy on a temporary basis, and then you would find out if it would be permanent after the inspection. Either way, I would be absolutely sure of the details before canceling my previous one.
Best,
Eric Stauffer