Secured with SHA-256 Encryption
Select Page

Occidental Fire & Casualty Company Insurance Review

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

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

Full Bio →

Written by

UPDATED: Nov 30, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Occidental Insurance
Premiums
Claims
Feedback
Financial Strength
N/A


Compare Insurance Quotes

Secured with SHA-256 Encryption
Based out of Raleigh, North Carolina, Occidental Fire & Casualty Company offers personal insurance in several states. They operate as a subsidiary of IAT Insurance Group.

About Occidental Fire & Casualty

Occidental Fire & Casualty Company of North Carolina was founded in 1961 and has since expanded to cover a number of other states. They are a wholly owned subsidiary of IAT Insurance Group, and also partner in some states with Insurance Manager SageSure.

Occidental appears to offer auto insurance, but the confusing nature of the website makes it difficult to determine if that is true. In fact, our search for information on Occidental brought back some of the most confusing search results we have ever encountered for an insurance company.

Occidental does not have a straightforward website that we could locate, although we did come across some other companies also using the Occidental name. None appear to be related.

The Occidental homeowners insurance website is a one-page site offering very limited information. For auto, we were able to find a  website that goes straight to a login page for existing customers; while the web URL uses the Occidental name, only the IAT name appears on the page itself.

The IAT Insurance Group website, meanwhile, is much more comprehensive, but still tells us only that Occidental writes homeowners and flood for both commercial and individual needs. That website does not indicate that Occidental writes auto insurance; in fact, the only personal auto mentioned on the site is Mexico/Non-Resident Private Auto.

Occidental products do appear to be sold through independent agents.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Occidental Products

The only products we can confirm from Occidental at the time of this review are homeowners and flood insurance.

Information on these programs is limited to the fact that they offer standard homeowner’s as well as dwelling fire depending on the state of residence.

Flood insurance through the National Flood Insurance Program is offered for both personal and commercial properties.

Third party company SageSure handles policy administration, but they do not handle claims processing.

Rates

Occidental only offers quotes through agents, therefore we are unable to provide a comparison to other companies. The lack of information available regarding this company’s products makes it difficult to make any sort of guess as to where their rates might fall.

Claims

Claims appear to be handled through IAT – or at least that is where claims information can be found.

There are two toll-free claims lines, depending on the state of residence. IAT also has an online claims form for homeowner’s insurance. It does not specifically state that Occidental policy claims should be filed there, again leaving us (and their customers) to guess and make assumptions.

The claims section does not offer a whole lot of information, so customers are probably better off putting in a phone call to get some guidance – and to confirm they’re actually submitting to the right place.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Ratings and Consumer Reviews

Occidental has an A+ rating with the Better Business Bureau (BBB), with six complaints on file in the past three years. There have been no complaints closed in the past 12 months.

There are ten complaints on Google, with an overall 1.6-star review. Of these, one is a 5-star review citing excellent claims service. The rest of the reviews are negative, mainly citing a poor customer service experience.

The Bottom Line

Occidental Fire & Casualty’s online information is so scattered and confusing that we can’t help but worry that the customer experience will be similarly difficult. We were unable even to confirm whether or not the company still writes auto insurance. Those in search of a good value for personal insurance might be better off looking elsewhere.

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

Compare Insurance Quotes

Secured with SHA-256 Encryption

Review Information

Summary
Review Date
Reviewed
Occidental Fire & Casualty Company
Author Rating
11stargraygraygraygray

About Eric Stauffer

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

6 Comments

  1. Is homeowner’s insurance company (in my case Occidental Insurance) required by law to disclose in writing their policy terms on how to get premium discounts, i.e. what would be a discount if you install a central station burglar alarm system in your house, etc?

    Reply
  2. I have hurricane shutters, will I get a discount for having this on my house?

    Reply
  3. I bought my home at a young age not knowing totally everything. This insurance company is the company that was set up during the buying process of my home. I knew I had insurance but never looked into it any further. Went on deployment and came back to my floor being messed up. Filed a claim and the entire process has been a nightmare. First, my insurance adjuster NEVER contacted me personally. I had to call to find out who was working my claim. I was instructed to get a plumber to the property. I did that. Then he called [Redacted] out. After that, he sent a random Engineer to my home. Which, [Redacted] and the Engineer, I did not receive a phone call from my adjuster to notify me that they needed to come out. Instead, he gave random people my number and told them to call me. I had to call him to see who this random guy who says he is an Engineer with an accent wanting to get into my home.

    My mom calls to get more clarity on what’s going on. My Mom told the adjuster that he is dragging his feet and being really inconvenient using out of state people (the Engineer). He told my Mom that they use local people. LIES. The Engineer himself told me, he lives in New York, office in Richmond, and he only comes down on the weekends. Even after my mother called and said something, the adjuster still did not contact me to let me know what was next. I had to call him to find out what was next. He then proceeded to tell me that my floor is something that might not be covered on my insurance policy. Out of the blue, he calls me to tell me that they are not going to pay for it. Mind you, he hasn’t contacted me throughout this entire process but didn’t hesitate to call me once they made the decision not to pay.

    So what I’m gathering from this entire situation is, this company is using people to write a report a certain way so that it’s something that “isn’t covered” rather than something that you have been paying for monthly for no reason. No person wants to pay monthly on insurance and then when something happens, you aren’t covered. On top of everything, I’m in the process of being stationed out of the states due to military obligation and the process took forever. I will not recommend this company to anyone, I will warn my friends about this company on all social media outlets, I will contact my realtor and let her know to not allow people to use this insurance company, I will call my mortgage company and let them know that they are setting up insurance on what’s technically their property until you pay it off and the company isn’t covering anything once something happens. [Redacted] POOR and people should have comfort and ease of mind that their home is covered.

    Reply
  4. FRAUDULENT COMPANY!!! I would not go to them, you are better off going with a legal entity such as Allstate or Statefarm. It’s a scam and joke! Hire an attorney immediately if you feel you are being taken for.

    Reply
  5. I received a fair quote for a homeowner’s policy from IAT/Occidental for 2016. I went with it to save some money.

    Unfortunately, we had a lightning strike near our home that affected a few appliances and outlets. There were black arcing marks on our electrical box, so I called in an electrician. They made their recommendations, including giving my insurance company a call because of the arcing and damages.

    I called my claim in, and IAT/Occidental told me an Agent would be assigned and they would contact me within 24 hours. That was on a Tuesday. By that Friday, I called and found out who my agent was. No big deal… I am a fairly patient person. By the next Friday, none of my calls or emails had been returned. I called the main line and asked the customer service rep what was going on. They called my agent, and he picked up immediately. His excuse was “I am on the phone alot”.

    Long story short, the entire process took about 70 business days. Each call I had with the agent had multiple excuses and arguments about the claim, my chosen repair company, and various other topics. I had to call them every few days to ensure they were staying on task, and to remind them I still existed. After about 40 business days, repairs were approved and they mailed me a partial check. I used that partial check to pay part of the bill, and my own funds to pay the rest. I was told that I would be mailed a second check for recoverable depreciation on my assets after repairs were complete.

    After more arguing, excuses, and ignored calls.. I finally received the check for the recoverable depreciation about 70 business days after my initial claim call.

    I would definitely avoid buying insurance of any kind with IAT/Occidental. Their claims process was a joke, and I spent close to 70 hours of my time trying to deal with the process and their hostile agent.

    Reply
  6. My mother and I bought a new house ( new construction) in Chesapeake, Va. Construction was completed in December 2015. We closed 12/17/15.
    In March of 2016 a termite inspector I hired to initiate a maintenance contract discovered a serious moisture/mold problem in the crawl space. No evidence of leaking pipes, no flood event; moisture barrier was laid by the builder. Builders warranty excludes mold, mildew and fungus. Moisture content of the crawl space studs over 22%. We’ve hired a certified environmental hygienist to come evaluate the whole thing and write a report. We called an attorney who says he’ll tell us if we have a case after he sees the report. Builder says flatly that they’re not responsible.
    I called my homeowners policy. Filed a claim and was assigned an adjuster. I talked with her by phone when I filed the claim. She said she had to read my policy and would call me back. That was May 18. The reason I waited to call the insurance company was because ( before he stopped talking to me) he said not to do anything until he “looked into it” otherwise it would invalidate the builders warranty. After 50 or so days he decided he wasn’t responsible. I’ve left messages and sent her all my communications with the builder. I never heard back. Yesterday I talked to her “back up”. He said we have no coverage for mold. I talked to a PA who said it was required for all homeowner policies to have some mold coverage. I told my agent who ( yesterday) insisted we did have mold coverage. I asked her how much and she said she had to talk to the adjuster to clarify that. I asked her why she didn’t know. She just kept repeating that. Said she’d call me back after talking with/ adjuster. I called back today and learned the agent had left messages for the adjuster w/ no response. I spoke w/ the agents supervisor who said our policy covers mold at 0$.
    Am I crazy ? Or does this stink? Or am I stupid ? Or just getting screwed in slow- mo ?
    Do you have any thoughts on this? My Mom is 84. I am 60. We each sold our house and put all our combined equity into the new house, which we built for $532,000. We mortgaged 226,000. And pay our bills on a budget. This debt will be extremely hard to handle. Very stressful. we both have good credit and pay our bills. My Mom shouldn’t have to deal with this.

    Reply

Leave a Rating

Your email address will not be published. Required fields are marked *