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Olympus Home Insurance Review & Complaints: Home Insurance

Olympus Home Insurance reviews show a stable company with a strong presence in Florida, but Olympus home insurance rates are only quoted through agents. You'll find Olympus home insurance ratings are high, with an A+ from the Better Business Bureau and A.M.Best. Olympus home insurance quotes compare well with similar companies, but shopping around is the best way to get cheap home insurance in Florida.

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

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UPDATED: Sep 24, 2020

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Olympus Insurance
Demotech Financial Rating

A (Exceptional)

Florida’s high rate of tropical storms and hurricanes are enough to make anyone cringe. Olympus Insurance Company is one of many small companies in Florida that provides home insurance, so you’re in search of Olympus Insurance reviews. You have found just that.

In this Olympus home insurance review, we’ll talk about the average cost of home insurance in Florida. Olympus home insurance rates may be cheaper than average, but you will need to get Olympus insurance quotes from an agent.

Read on to learn about Olympus Insurance, and to compare home insurance rates quickly online, just enter your ZIP code above.

Olympus Home Insurance Rates

Olympus entered a struggling Florida insurance market that had been impacted by a series of hurricanes resulting in large numbers of insurance payouts and the withdrawal of some major insurance companies from writing homeowner’s insurance in the state.

The creation of several small, local insurance companies has helped to bring down premiums overall in the state, and Olympus is among the companies offering these policies. Policy premiums vary significantly by county, home value, and construction type, making it challenging to compare Olympus rates to other companies.

Let’s examine the average cost of home insurance in Florida and other neighboring states.

Home Insurance Rates of Florida, Georgia, and Alabama
StatesAverage Annual Home Insurance RatesEstimated Monthly Home Insurance Rates
Get Your Rates Quote Now

Between the three states, Florida is in the middle of cheap and expensive. Expect your home insurance rates to increase in urban areas, beachfront areas, and residents around lakes.

Florida’s peninsula is prone to flooding during heavy rain, tropical storms, and hurricanes.

According to the Florida Division of Emergency Management, flooding is one of the primary hazards in the state.

Olympus offers limited online quoting capabilities, in which a request is submitted to a nearby agent for an email response. Local agents for Olympus can provide a more accurate quote. Olympus rates may not be competitive when compared to insurers offering multi-policy discounts due to their other policy offerings, such as car insurance coverage.

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Olympus Home Insurance Summary

Olympus Insurance has been writing property insurance policies in Florida since 2007, joining a market that had suffered after several major hurricanes that resulted in great difficulties for insurers in the state. The company is based in Orlando and is currently licensed only in Florida.

Olympus has taken part in the Citizens Insurance takeout program, which offers current Citizens policyholders the opportunity to move to a new insurance company. The takeout program is part of an effort to reduce the number of policies currently held by Citizens, which had been a last resort insurer for properties unable to locate coverage elsewhere.

Currently, Olympus offers a limited number of policy types. They write standard homeowner’s insurance policies and also cover rental properties and condominiums. Olympus sells its products through a network of independent agents but offers quoting and customer policy management services through its website.

Get the latest standard home insurance quote using our FREE comparison tool! Just enter your ZIP code to get a home insurance quote now!

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Olympus Home Insurance Products

If you’re not a homeowner, Olympus writes a few basic types of insurance to cover both owner and tenant-occupied homes and personal property in Florida. In the sub-sections below, we’ll elaborate on other available coverages.

Home Insurance

Olympus homeowner’s policies cover the policyholder’s home at replacement cost in the event of multiple different perils, including fire, damage to other structures on the property, and personal property insurance coverage for the residents of the house.

Watch this video on the basics of home insurance.

The homeowner’s policy also includes liability coverage, which protects the homeowner’s from a variety of risks, including lawsuits stemming from injury or negligence claims. Also available are animal liability, backup of water/sewage, and sinkhole endorsements.

Townhouse Insurance

Olympus writes policies similar to homeowner’s insurance to meet the particular needs of owners of townhouses with shared walls. All of the same standard coverage is available, with adjustments on how to structure coverage.

Rental Home

For landlords, Olympus writes policies to cover the structure against a variety of potential perils, but without the high level of personal property coverage needed in an owner-occupied residence. Rental insurance policies also provide liability coverage to protect landlords from the risks associated with owning a rental home.

Rental home coverage includes coverage for the home while vacant in between tenants, short-term rental coverage for vacation rentals, and optional personal property coverage for furnished rentals.

Condo Insurance

Olympus writes policies to meet the specific needs of condo owners, whose needs differ due to shared walls and condo association coverage on portions of the structure.

Scheduled Personal Property

In addition to a standard homeowners/townhouse policy or condominium insurance, Olympus offers the Scheduled Personal Property option. This coverage provides broader protection with higher limits. Examples of what is covered include fine jewelry, furs, musical instruments, upscale furnishings, and other luxury assets.

Olympus Home Insurance Claims

Olympus offers a 24 hour a day, seven days a week claims line for policyholders to report new claims and check on the status of open claims. There is an online claim form on the company’s website that allows non-emergency claims to be submitted at any time of day or night.

For water damage claims, Olympus has a water damage mitigation team available to respond within 15 minutes. This response team is a free service provided with all Olympus policies and is sent out to prevent water damage from worsening before the claims representatives can investigate.

You can contact Olympus insurance claims phone number at 866.281.2242. You can also file a claim with Olympus Insurance online and by mail-in. Here is Olympus Insurance Company’s contact information:

  • Email:
  • Physical Address: Olympus Claims, P.O. Box 33117, Palm Beach Gardens, FL 33420

Olympus Insurance is committed to the prevention of fraud, harassment, and unethical behavior. Please contact our Special Investigations Unit at the number above to report fraud, harassment, and unethical behavior anonymously.

According to Florida law, your insurance company must inform you that your claim is covered within 30 days. Within 90 days, your home insurance company must issue a claim payment to you.

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Olympus Home Insurance Ratings, Consumer Research, and Complaints

Olympus Insurance has been Better Business Bureau (BBB) accredited since 2016 and currently holds an A+ ratingIn the last three years, there have been six complaints filed, five of which were closed in the past 12 months.

The Florida Office of Insurance Regulation’s complaint database shows a total of 14 complaints against the company in the fourth quarter of 2016, the most recent available data. This is a ratio of 1:5880 or one complaint about every 5880 policies in force.

In addition to the standard, publicly available resources, Olympus has provided us with their internal results from a previous customer survey. The results show a generally pleasing customer base, with numerous compliments about the company.

Olympus Insurance Financial Strength

aDemotech is a financial analysis firm that provides rankings indicating the financial stability of companies from several industries, including the insurance industry. They have recently altered their Olympus Insurance rating and assigned an issuer credit rating of A+, signaling that the company’s financial outlook is stable.

Olympus Home Insurance: The Bottom Line

Olympus is a newcomer to the Florida property and casualty market and requires more time to build a solid reputation. However, they have shown growth and appear to be a stable company. Olympus home insurance in Jacksonville Florida, or in their headquarters city of Palm Beach Gardens, most parts of the state are covered.

Florida homeowners who are participating in the Citizens takeout plan or who have faced difficulty with homeowner’s insurance in the past, such as high rates, might find Olympus a good option.

Now that you’ve finished this Olympus Home insurance review, get some numbers. Compare the best Florida home insurance companies by entering your ZIP code in the FREE comparison tool below.

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Frequently Asked Questions: Olympus Home Insurance

To offer the best in best in Olympus home insurance reviews, we’re going to give you a little more information about the company in this final section. We’ll spend the next few sections going over frequently asked questions that are related to this company and home insurance in general.

#1 – What is the average cost of homeowners insurance in Tennessee?

Tennessee’s average homeowner’s insurance rate is $1,192 per year.

#2 – Where can I find the Olympus Insurance customer login?

Visit Olympus Insurance Company’s website and look at the top banner. “Policyholder Login” is the fifth selection, where Olympus home insurance customers can log in. If you can’t log in, contact Olympus Insurance customer service by phone.

The Olympus Insurance agent login is different and used only by an Olympus Insurance agency.

#3 – What is the average cost of homeowners insurance per month?

The average cost of home insurance per month is $35.

#4 – Who owns Olympus Insurance?

The CEO of Olympus Insurance Company is Jeffery B. Scott.

#5 – What is the average cost of homeowners insurance in Colorado?

The average cost of home insurance in Colorado is $1,383.

#6 – What is a good rate for homeowners insurance?

A cheap home insurance rate is a price that’s lower than the national average, which is $1,132 per year.

#7 – What are the worst insurance companies?

Many customers have different opinions about the best company. Each experience is different. Check out some reviews and ratings online to make a clear judgment.

#8 – Did Olympus Insurance company have a lawsuit against them?

Olympus Insurance Company was in legal trouble when a lawsuit was brought against them in February 20, 2019.

#9 – How do I find Olympus Insurance careers?

Go to the Olympus Insurance website and click “Career Opportunities” on the top banner.





Review Date
Olympus Insurance
Author Rating

About Eric Stauffer

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


  1. “Olympus is a newcomer to the property and casualty market and requires more time to build a solid reputation, however, they have shown growth and appear to be a stable company.”

    There you go!

  2. I’m a Florida resident and filed a homeowner’s claim with Olympus right after Hurricane Irma. There was an apparent leak problem present prior to that storm, and the heavy rains from Irma made it apparent. An engineer sent by Olympus thoroughly inspected my roof and agreed with me that without question the leak was present prior to Irma, thus this was not a hurricane claim. The engineer filed his report back in November 2017. Three months later, despite multiple phone conversations and emails with the assigned Olympus desk adjuster, they still have not resolved this claim. So, I still have a leaking roof with a tarp on it. I am convinced that they are slow playing this claim because there is no high hurricane deductible, thus they will likely have to pay for some portion of the roof repair. Anyone who has Olympus homeowner’s insurance or considering it needs to know this. They are not honoring their policies and responding to claims in an acceptable way, and thus do not deserve Florida residents’ business. I will be canceling my policy at the next renewal date and obtaining coverage by another company. Meanwhile, my next action is going to be contacting my state representatives to investigate Olympus’ response to my claim, and to investigate whether other Florida residents have experienced a similar failure to honor their claims.

    • Kerry,
      Thank you for reaching out to Olympus regarding your Hurricane Irma claim. We would like to sincerely apologize for any delays you encountered in the resolution of your claim. Our Claims Team works diligently to review and address every claim received in a timely manner. As part of this review process, we are required to investigate the cause of the damage and determine the coverage provided under your policy for that damage. Please contact our office directly with your name and claim or policy number at so we can review the remaining items for your claim and ensure we bring this to closure for you as quickly as possible.
      Thank you

      • Please contact me below. I thought my claim was complete.

    • Olympus will continue repeatedly tell you that they are “working on it; blah blah blah….for months and months.. if you get the resolution you will be very lucky. They are great at responding that they cannot understand why there is a problem but NOT in handling your issue. I think they hire people just to reply to all the complaints, but not to fix the problems or pay what they should.

      I was paid out minimally and my public adjuster said I should have been paid out 5 times what they ultimately paid and most of my damage was not properly reported by the (3, yes 3) adjusters who ultimately came here over the course of 2 months.

      Get a public adjuster: it will save you much anxiety: I am told most issues even with a public adjuster end up going to the lawyers because Olympus is so bad to work with and resolve. I feel your pain and hope people read this and don’t use them: the ABSOLUTE WORST!


      • If you are in Florida, contact the State Department of Financial Services and file a complaint. I did this and finally started getting some response from Olympus. Then, they slacked off again, and I threatened to contact the state again. After that, they very quickly resolved the problem and paid for almost all of the repair job I finally got completed a couple weeks ago.


      • Good morning,
        Thank you for reaching out to our office regarding your claim. We would like to review your specific claim file and speak with you directly regarding your experiences. Please email our Claims Support office at with your policy or claim number and full name so we can assist you as quickly as possible.
        Thank you


          • Peter F,
            We are unable to review your claim directly and assist in resolving any issues you may be encountering if you do not provide us with additional information. As previously requested, please email our Claims Support office at with your policy or claim number and full name so we can assist you as quickly as possible.
            Thank you

        • I am a policyholder and we made a claim for an active water leak coming from our shower.

          The adjuster for our claim has not been reasonable and fair. An active water leak was coming from our master bath shower.

          The entire shower unit has to come out. We were offered a very small amount of money from Olympus for the needed repairs.

          Shower, flooring, vanity to name a few. This all occurred at the beginning stage of the pandemic/the governor’s stay at home order.

          I didn’t want a lot of strangers entering our home. (We have a daughter with acute asthma.) I had two estimates that I sent to my claims adjuster.

          I did Everything via email so every single word is written and documented. Everything that I’m telling you can be proven.

          I informed her that my estimates were higher than hers. She responded to my emails in a very unprofessional manner.

          She even went as far as lying to me, claiming she had photographs of tile in my home. We were very alarmed by her false statements.

          It was as if she was trying to scare me. The whole exchange was very shocking and upsetting. I worked with her to adjust and revise one of the estimates.

          That wasn’t good enough for her so I then put her in direct contact with the store. She negotiated a new estimate.

          Her offer to me was $2,800.00 less than the estimate that SHE negotiated and then added that this is “final payout” Our shower is on an exterior, load-bearing wall.

          We have no idea if there is a hidden issue behind that shower. We won’t know until demolition begins.

          We very well could have additional damage but her offer was only good if I signed the final payout release form.

          That wall supports the weight of our roof. There is no way that we will sign off on our claim and have her take away our coverage, coverage that is rightfully ours.

          So I refused her offer based on the seriousness of the situation and our desire to protect the integrity of our home.

          The very next day she sent me a demand letter for an appraisal because I would Not accept her offer with signing the final payout release form.

          She negotiated the estimate, the design manager at the store can confirm that. And then she offers me a completely unacceptable offer.

          It’s unethical and unfair. Every single thing is documented word for word in eleven days of emails. I worked with her.

          I put her in direct contact with the store. I answered all of her emails.

          At the end of the day, she negotiated an estimate directly with the store and then offered me $2,800.00 less than that estimate, her negotiated estimate!

          Then she throws in that I have to sign a release for final payout. She was not fair.

          She was not acting in good faith throughout this entire process and I have the emails to prove it.

          Now, she wants an appraisal just to make my life even more difficult. I wouldn’t give in so this is her retaliating against me.

          I have never experienced anything so unprofessional in my life. I cannot put into words how stressful this has been.

          I entered into a contract with Olympus Insurance, I paid my premiums but they are not paying my claim fairly.

          How do you negotiate a new revised estimate yourself and then offer the policyholder $2,800.00 below that price? Unbelievable!

          I honestly think I asked her four times in eleven days to please transfer me to her supervisor, please transfer me to your manager.

          She never would. It’s all in the emails. You can count how many times I ask to be transferred.

          There is no denying how I was treated, how she made false statements, and even told flat out lies.

          She told me that I had to sign the final payout release in order to settle. It’s in the emails.

          This is not a major claim we are talking about…this is not a roof. It’s a bathroom.

          This woman has turned our lives upside down during a global pandemic over a bathroom.

          Do your research and choose your insurance company wisely. We clearly did not and now we are suffering because of it.


      Good morning,
      Thank you for reaching out to our office regarding your claim. We would like to review you specific claim file and speak with you directly regarding your experiences.

      Please email our Claims Support office at with your policy or claim number and full name so we can assist you as quickly as possible.
      Thank you

    • My name is Charles L. Lockett. I’m encountering the same thing with Olympia.

      They won’t respond to your calls or emails. I filled a claim in November 2018.

      They paid the bare minimum. They hired a Civil Engineer to assess my claim.

      The engineer is not certified in any the areas he offered an opinion on.

      I’m set for mediation within the next few weeks.

      • Thank you for the opportunity to reply to your concerns.

        While we are unable to provide specific claim details in this public response, our Claims Team has extensively reviewed this claim and will be attending mediation in efforts to attempt to resolve the disputes.

  3. I don’t where my check went to or did they really send it? My claim was approved last 10/10 and the check was mailed out on 10/13. My association breathing down my neck to make repairs immediately, my dogs have been in a makeshift kennel for my fence is down. When I call to inquire on checks they claim they sent it.. but yet no tracking number or proof that it was sent out. Now they are saying If I don’t get it by Saturday, they will have to place a stop payment and I will have to wait 7-10 days to ensure checks were not deposited and then wait for slow mail again. Did I mention it took them one month after Hurricane Irma to come out inspect?? Apparently, my claim was lost somewhere. Worse experience ever! I never heard of mail taking more than 5 days from Fort Lauderdale to Homestead, FL… I think they’re buying time or something. Buyer beware!

    • Good morning,
      Thank you for reaching out to our office regarding your claim. We would like to review you specific claim file and speak with you directly regarding your experiences. Please email our Claims Support office at with your policy or claim number and full name so we can assist you as quickly as possible.
      Thank you

  4. I am waiting as well to find out when an adjustor will come to my home…..I couldn’t get through their line on the 12th and when I did it was shut down. I finally got a claim number after filing online and waited until late last week for that. Still waiting on an adjustor and they in no way offered ANY help with water damage inside my home or anyone to dry it out.

    I am trying to be patient as I know I am not the only one with these issues but I do hope I get contacted soon.

    • Go on the website under claims I think and it says flooding or water damage. They five the number for rytech. Says it’s a free service. Call them. They are water and mold removal

    • Adjuster finally came out to look at water damages to my house, and before they enter the home to look at the damages, He started saying the damages were caused by “wind driven rain” and its not covered. Now, in a hurricane you have wind and rain, I have never heard of a hurricane with one and not the other, so if you have damages and insurance company can deny your claim because any damage can be done by only one of the 2 things a hurricane come with, not both.

      • Hire a public adjuster, in the end you wild be glad you did.

    • Just a follow up to my last comment, I did not mention that I had water coming in on the top floor, which I mention to the adjuster, he admitted the cause is more than likely from miss shingles that blew off, but since the water got in by wind driven rain, its not covered. He actually stood outside the house and looked at the roof of my house and said it seem to be on there pretty tight, so whatever damages may be there is not equivalent or more than my 2% hurricane deductible so unfortunately its going to be a repair out of my pocket.

      • Mr. Faulk,
        Our field adjusters will inspect the property to document the damages and draft the appropriate estimate of repairs. Olympus Insurance has desk adjusters and quality assurance managers that will review the inspection report and estimate for all of the coverage available to you under your specific policy. If you would like to follow up with one of our claims representatives by sending an email to with your claim number and policy number, we would be happy to further review your claim.
        Thank you

    • I thought I was alone in that Olympus is a horrible company but reading these, I see I am not alone. I had severe damage during hurricane Irma and first, after sitting on the phone for an hour to file the claim, the following day I found that [Redacted] never even filed my claim: and it went downhill from there. I was told I would hear from someone in 48-72 hrs: never: and it took 7 weeks for me to get an adjuster; 3rd party from them. He spent 2 hrs taking pictures and writing a report; needed to see the house when my walls were open. Called 2 wks later with open walls: he was gone; could for some reason NOT transfer his information and I had to start over again 3 weeks later with another adjuster. My file was moved internally to 3 different desk adjusters and with each, they could not transfer the information, so I had to send and re-send photos and pictures repeatedly for 2 months. My 4 level townhouse had water damaged walls and mold on all floors, and the entire place was under hazmat plastic with people working in masks. When I claimed $5000 to move out for a month on my $55,000 loss of use policy, Olympus did not want to pay and told me I could have been living at home. It goes on and on and still fighting them for things they don’t want to pay: Advice: GET A PUBLIC ADJUSTER RIGHT FROM THE START. They will handle it and you won’t kill yourself with stress. The stress from working with Olympus was worse than the horrible damage in my home. For some unknown reason, BBB gives them an A+ rating; probably because if you file a complaint, they will not post your bad review of Olympus, so I hope no other poor souls miss this fact and don’t see the real crisis with using Olympus.

  5. Dear Olympus. I may not have been in south florida but I do have damage to my home. Ive heard nothing from your company as what to do. no adjuster no advice. I finally had a representative offer to get my roof tarped. after 3 days i called the roofing co assigned and they told me I was supposed to call them. never told that. My claim consisted of water damage as well as water dripping from a few of my outlets. I was never told about your partnership with Rytech water and mold removal. I was searching your web site and found it. they are now coming. Not in 15 minutes as guaranteed. but not till my roof was tarped and now that it is ( now have nail holes all over the roof.) It still wont be a few days. I understand the situation but have been contacted by noone. I had to make all my own calls to your contractors. And here I still am with wet insulation and now mold and mildew in my walls. Yes ive checked. Oh BTW Im allergic to mold. Our house is livable at the moment but that doesnt mean we dont need help. All I really want is to get a phone call with an update. claims dept says i need to call main office but told me they are closed.

    • Mr. Mongiove,
      Thank you for reaching out to our office regarding your claim file. We are working diligently to contact every insured to begin the claim investigation and address emergency repairs that are needed.
      We are very happy you reviewed our website and contacted some of the emergency vendors that we use as references for our insureds. It is important that you take steps to secure your home and prevent further damage as outlined in your policy.
      I have followed up with one of our claims managers to expedite the assignment of an adjuster and to contact you.

      Thank you

  6. And I have already reached out to [Redacted] and finally received claim number, but what good is that to me without an adjuster. Please prove to me that you are not what some of These comments said you are.

    • Mr. Ancell,
      I am working directly with our claims team to ensure your adjuster makes contact with you today. We are doing our best to contact every insured and schedule their claim inspection as quickly as possible.
      In the meantime, we understand that you must ensure your family and home are safe from further damages. If you feel the need to begin clean up, please photograph all of your damages and provide those photos to your assigned claims adjuster for review.
      Thank you

  7. I called over a week ago and was told an adjuster would get in touch with me within 48-72 hours. While I realize the enormous task you have I do have a policy and a claim. I have had to throw out shed and tiki bar so that they don’t become flying missiles to damage my home further in case Maria or any other hurricane hit. I have no internal damage but that could change if this isn’t taken care of properly. I have a roof and screen enclosure contracter ready to fix my house as my roof needs to be replaced as well as screen enclosure screens. I have also had to pay for cutting down of trees and cleanup of debris so no further damage occurs. My aim is to reduce as much risk of more damage in case of further events. I am disabled and can’t do the work myself, as well as my wife just had back surgery. We need help. I can’t even talk to someone because no one is available to confirm I have a 1,000.00 deductible. I would greatly appreciate your help in this matter.

  8. I have mold and my home is unsafe to live in due to the damage from Irma. I have tried to contact and get some help for 5 days, to no avail. I continue to get the run around from every call and have been told that it would take at least 2 weeks for clean up. I did receive a call on the morning we left the home and the only thing that was stressed that I would have to pay $4100.00 according to my policy. I had explained that we needed to evacuate the dwelling due to mold and had to leave. The women could of cared less and did not explain any procedures on getting my daughter and myself safe. I had to leave my home with my child and sleep in our car. I cannot get answers on ALE and FEMA will not help because I have insurance that has not been exhausted. I have a homeowners policy and flood insurance. Every call is either busy or service department informs that they cannot access my policy and to call back on another day. I have also been advised that a disaster occurred and that the adjusters are dealing with their own homes. Well that is not my problem, my problem is keeping my daughter safe. It will be almost four days and several company individuals are aware of the situation and continue to pass the buck. Having a policy with this company is completely useless in this situation. I am contacting an attorney to have someone with our best interest.

    • Mrs. Cerqueira,

      As you could imagine with a storm the size of Irma resources are at capacity, that doesn’t mean we aren’t here 24/7. We have someone from our claims team trying to help you. Please email me directly at, and I will see to it that you are communicated with promptly.

      Your safety is our greatest priority. We have vendors that we can refer to your home or you can contact a vendor of your choice to begin mitigating your damages.

    • Linda, hire a public adjuster, the insurance company’s adjuster job to try to be as fair as they can to prevent a loss to the insurance company. A public adjuster represents your interest. It’s the only way to go. Been there done that.You need your own representative, especially if you are a female. Hiring a public adjuster evens the playing field. They are paid upon receipt of insurance claim, no upfront fees. If anyone tries to collect fees up front, they are a fraud

  9. I filed a claim with Olympus from Hurricane Matthew for roof damage, interior damage from leaks and pool enclosure. The first adjuster was here promptly , said my roof needed replacement, but didn’t hear anything for several weeks. Then I received a call from another adjuster to schedule a visit. After calling Olympus they confirmed they had scheduled another, without informing me, claiming the first adjuster’s report wasn’t to their standards. The second adjuster claimed my damage was due to “normal wind blown rain”. I hired a public adjuster. Olympus sent an engineer which stated in front of witnesses he agreed with first assessment, but when report was received it stated even less damage than the second adjuster. I hired an independent engineer, his report reflected the obvious. I needed roof replacement, pool enclosure and interior repairs caused by Matthew hurricane damages. A settlement was reached in August 2017. I received the check which was addressed to the incorrect lender payee. After sending Olympus proof my lender was the same original lender when I originally obtained policy, ( weeks ago), Irma hit. She finished off my pool enclosure and roof with more active leaks. Still no check as I sit here with my house a mess. I will add that I sent Olympus a letter last year asking to send my lender the renewal policy so there was no reason this shouldn’t have been correctly reflected in my file. I called to ask when I might receive the reissued check and was told pretty much, hey you aren’t the only customer we have. “You know we just had another hurricane, right”? Umm yes I do. So here I sit, and can’t get on a roofer’s wait list until I receive the check. As the wait list grows with each day. Almost a year now, can’t post how I really feel.

    • Mrs. Wilson,
      We deeply apologize for our mistake in including the wrong mortgage lender on your check. I have reviewed your claim file and the stop payment has been requested with our accounting department. We should have a new check issued and sent by mail to you no later than Monday.
      Thank you for insuring with Olympus Insurance Company.

      • Thank you for the reply Andrew. I only want to be treated fairly and communicated with truthfully. The check should be sent via overnight mail as a sign of good faith, however I will just be overjoyed to receive it. I believe I was flagged being a single female because my neighbors two doors down with “no roof leaks” had a check from Olympus for full roof replacement before my second adjuster visited. And I had three active leaks, same builder, same age of home. But he is a dude, go figure. I know it happens. Being in construction and real estate for 30+ years. Your outreach was a pleasant surprise, thank you again.

        • Mrs. Wilson,
          We are glad we could help you in this situation. Olympus Insurance Company reviews each claim and the damage incurred on its own merits. Our goal is to provide our insureds with the most coverage possible under their policy.
          Your check was reissued and sent by mail to your home yesterday. You should receive it in the coming days.
          Thank you and have a great day.

  10. We are STILL waiting on our claim to be settled from Hurricane Matthew in October 2016, and now we have new damage from Hurricane Irma in 2017. I have called to file a claim, and while their website states they have somebody on site to answer calls 24/7, that has NOT been my experience. It took me 2 days to get through to a live person, and that person is a 3rd party answering service. I do not have a claim number yet, I have no adjuster assigned, and was told it would take 3-5 business days for somebody to get back to me. Meanwhile, I have carpet that is completely saturated in a home that was without power for over 4 days (can you smell the mold yet?!). My experience with Olympus through our last claim that is still ongoing/pending has been terrible. They took over 6 months to pay us for our food loss (WHICH WE PAY EXTRA TO HAVE THAT COVERAGE!!), and now we start the process for Irma all over again. I am NOT looking forward to getting the run-around once again.

    • Kel,

      What terrible luck, I’m so sorry! As you could imagine with a storm the size of Irma resources are at capacity, that doesn’t mean we aren’t here 24/7. We have someone from our claims team trying to help you can you please email me directly, and I will see to it that you are communicated with promptly.
      Lastly, we aren’t a faceless insurance company we are real people working around the clock to service our valued customers, I’m sorry for the loss and rest assured we will get it resolved.

      • Thanks Andrew. Unfortunately, I tried to send an email to you within a couple of hours of receiving your comment, but have still yet to hear back from anyone with Olympus Insurance. It seems to be that there is nobody from the claims team there to talk to the people who are funding payroll at Olympus.

        • Kel,
          Based on our claim notes, it appears an adjuster left a voicemail for you yesterday to begin expediting the adjustment of your claim. Should you not be able to get in touch with that adjuster today, please contact our claims team coordinator by email at
          Thank you and have a great day.

      • “What terrible luck”? That is NOT what you say to someone that has experienced something like this!Andrew, I appreciate the fact that Olympus has you to monitor the online complaints, and the timely responses. However, I would be more than happy to assist Olympus on how to properly express empathy to people that have had their lives/homes disrupted during a major hurricane. Because that is indeed an area that needs improvement.

  11. I have experienced delays with Olympus. My home has serious damage and they delay or find stupid reasons not to fix the damage. I have hired an independent engineer to asses the damage and will refile once I get my ducks in a row. I strongly recommend that if you have delays or stupid reasons for them not paying your claims, get a second opinion and notify the Florida Insurance Commissioner in Tallahassee.

    • Please email our office directly at We will do everything we can to ensure an explanation from our claims team as to what went wrong. We want you to be happy so if it means revisiting why we might have denied the claim in the first place, please give us a chance to communicate with you.

      Sadly sometime we have no choice but to deny a claim for a myriad of reasons. Nevertheless, I am certain if we denied the claim it is for a valid reason. Either way, you have my word, we will look into it again.
      Thank you

  12. I’m not at all familiar with Olympus Insurance. I came across this company when shopping for new auto and home insurance and the insurance agent I am working with recommended them. After reviewing all the comments I found a lot more negative comments then positive. So without knowing anything about these guys I can say this. If there are a handful of negative comments about any company or anyone person maybe there’s nothing to it just a handful of people who might be a bit over dramatic on their complaints. But when you start getting into the thousands regarding consumer complaints then you have to take that seriously. Where there’s smoke there is fire most of the time. My question to the company rep that is responding to all these negative comments is why did it take a public complaint for you to reach out to these people in order to resolve their issues? Why couldn’t your reps address those problems when it was first brought to your company’s attention? Answer, you were hoping these people would get frustrated and go away but now that their complaint is public knowledge you want to make it look like “OH Gee” sorry about that it must have slipped through the cracks. Either way it makes you guys look incompetent! As I told my insurance agent, I wouldn’t use Olympus for my insurance needs if he paid the premiums for me!!!

    • First off, are you sure you have the right company?

      Olympus Insurance in Florida doesn’t even offer auto insurance, and more importantly, you would be hard pressed to find another company in the state of Florida who does more to help our customers than Olympus. The fact is we only offer homeowners insurance to selected clients and for those, we do offer it to we offer top notch service.

      If you look at our actual complaint record 1 per 5600 policies, we are above industry standard, we have and A+ BBB ranking and an A financial rating.

      We encourage you to send us your legitimate concerns and we will address them. Lastly, since we employ many hard working people who don’t appreciate you spreading fake news, please at a minimum back up your facts.

  13. We have had olympus for almost 2 years and this is the first time we have had to make a claim. We have fire damage and a little but of water damage and so far our experience with the claims department as well as whoever they sent out to our house to assess the damages have not been good. We just received a letter saying they may not cover the damages that we have to our home. Having a one year old and being pregnant this is not ok to have our family stuck in a house with smoke and fire damage. They have just continuously put us on the back burner and we are not satisfied with this company whatsoever. We don’t want the company they chose to work on our home because they are all rude and seem like they won’t do a very good job. Highly unsatisfied aND would not recommend to anyone.

    • Annoyed customer, I encourage you to call us the last thing we would do is want you to think we don’t care. Often times claims are denied for various reasons but our intention is to help you resolve your issues. So please give our claims team a call and lets work to solve your problem.

  14. I switch to Olympus from a reputable company only a year ago. I just received my renewal offer. The offer advised a change in pet liability coverage. The coverage was being reduced from 300,000 to 50,000 dollars. The annual premium for this coverage is 50.00 I decided to drop the pet liability and requested a revised renewal offer. To my surprise I was told the pet liability coverage would be removed,but there would be no reduction in my total premium. What! How can that be?

    What a crooked company. I am in the process of obtaining quotes from my agent. I would even go to a company with a higher premium at this point. Don’t want to be with a company that treats their customers like this.

    • Gregory,

      There must be some misunderstanding our basic policy does not cover animal liability. However, at your option, you may purchase $50,000 in animal liability for $50 subject to various conditions. The only recent change we have made to this coverage is to exclude animals that require special permits such as bears, tigers, venomous snakes etc. Please feel free to contact us at 800-711-9386 and we will gladly explain everything to put you at ease.

      • I added the pet liability for 50.00 when I originally took out the Homeowner’s policy. Upon my renewal I chose to drop the pet liability coverage. Olympus gladly removed the pet coverage but refused to reduce my premium 50.00
        How do you explain that?

  15. Olympus is horrible! I have a claim from hurricane Matthew [Redacted] and no one has responded to me and fixed my damages. I keep getting shuffled around! I have taken pictures as documentation. So now, I must seek a lawyer in order to have my solar panels replaced because I have pictures documenting attic damage from the hurricane. Do no get this insurance!! They are horrible! They promise they will be there for you, but they are not for you!

    • Joyce,

      We want to help you, and we are extremely frustrated that you have had this type of experience. Please give us a chance to make this right. We are not a faceless insurance company; we pride ourselves on always doing the right thing. If you call our claims department and speak with Beth we will do everything in our power to help resolve your outstanding issue. Thank you, The Olympus Claims Team

  16. I am totally dis-satisfied with Olympus Insurance…My claim was mis-handled from the begining. They use some claims company called naris which should be fired. Naris looked at my damages and wrote up everything wrong. Then they sent another so called company man who wore blue jeans and a t-shirt. I investigated the company and learned that Naris and Olympus are managed by two men who arebrothers. What is going on there. I ask for a property reinspection and was told they have no one available for this. Very disappointed.

    • Hello Bill,
      We are so sorry to hear about the unfortunate experience you had with our claims team. We want to let you know that while Olympus Insurance still has an affiliation with Narisk, we are in the process of completely revamping our claims processes and have recently hired a tremendous amount of new adjusters and key claims assistants. It is our mission to ensure the policy holder has the best experience possibly especially when there is a claim. Please contact us below so we can get all of this straightened out for you and hopefully get you that property reinspection.

      Our direct claims line is 866-281-2242.

  17. New FL homeowner. Just got a Citizen’s “Take Out” letter from Olympus, had three weeks to opt out. I sent a reply with a PDF copy of their “opt out” form to the email address listed, then went to the Post Office to mail the form with a registered receipt. Guess what? The postal clerk informed me the zip code for the address listed on the form was incorrect. Mistake or scam? I strongly suspect they are trying to trick people into not “opting out”.

    • Dear Brim Stone ,
      First off we deeply apologize your experience has not been completely satisfactory. Certainly we are never trying to misguide or scam any policy holder to not opting out. We always want the policy holder to feel in control. There could have been a handful of reasons the post office was unable to mail the form. We have a few separate entities affiliated with Olympus. We are currently trying to bring all operations to our South Florida location. If you could please either respond, respond via e-mail below, contact your agent, or respond to we would be happy to help get all this cleared up with your take out. Thank you!

  18. I had roof damaged and apparently Olympus hire a 3rd party company (Naris) that are very unprofessional and rude. They never get back to you in time and have disgusting employers working there. With very little knowledge. Olympus will loose many members because of this 3rd party. I don’t want to share anymore information but the experience has be terrifying with this 3rd party company.

    • Yeah pretty much experience I had with Olympus Insurance. Olympus Insurance is not a reputable company and I’m very sorry I switched from Citizen’s Insurance to Olympus Insurance. Olympus Insurance is nothing but a scam. Lots of complaint online and at BBB in Ft. Lauderdale and South Carolina about how bad Olympus Insurance is. I can not believe the Florida Office of Insurance allows such a scam company like Olympus to operate. First cat 1 hurricane that comes thru Florida Olympus will be bankrupt, and Florida Office of Insurance will be having to explain how they allowed such a company to operate. Florida Homeowner Insurance market is a joke and need to remain government run. 1992 Andrew proved that, and was proved again in 2006 with meltdown of homeowner Insurance market with most all companies saying good-bye to a nonprofitable business. Even Florida Statute 627 starts out by saying private insurance does not want to offer Florida Homeowners Insurance.

      • Hello Jim Sapp,
        Thank you so much for your feedback.
        We’re sorry you feel this way about Olympus, but we certainly are not a scam and are always seeking the best interest of the policy holder. The reviews you are probably referring to in South Carolina are no longer affiliated with us and we are not sure where you have seen complaints for an Olympus in Fort Lauderdale, but we have never had any affiliation with that city whatsoever. We also have superior financial strength in our reinsurance structure as outlined on our website:
        We also have an ‘A’ rating from Demotech, Inc. which rates insurance companies financial stability. We have plenty of sound financial structure to pay claims in the event of a hurricane as severe as Andrew.
        Please do not hesitate to reach out to the e-mail provided or through the policy services number provided on the website should you have any further complaints, questions or comments. Thank you.

    • Hello Anonymous responder,
      Thank you for sharing your feedback. We are sorry to hear your experience with NARISK was not completely to your liking. The claims process can be incredibly complex, but we never want the policy holder to feel they have been mistreated or talked to impolitely. NARISK is a third party claims company, and while we are affiliated with them we are in the process of completely changing our claims processes. We have hired numerous adjusters and staff to help engage with the customer and handle claims more efficiently. We also make it our business to ensure that all of our claims staff are exceptionally knowledgeable about policy language.
      Thank you again for your response. .

      Here is a short blog that explains our NARISK affiliation as well if you’d care to take a look:

      This is our direct claims line: 866-281-2242.

      Please reach out to us at that number or the e-mail provided or at to see if this situation cannot be corrected. Thank you!

  19. I am SHOCKED by the bad reviews here, as my experience was the polar opposite. It did start out badly with an initial decline of coverage, but when I spoke to the manger, [Redacted], and explained the situation, he couldn’t have been more helpful. He re-opened the case and assigned [Redacted] as our adjuster and she is probably the best person I have ever worked with in any circumstance! She came back to look at the damage, assessed that it was a coverable claim and from that moment forward, took care of everything. She did it with respect for our home; she was professional and courteous and got back to me every time I had a question. If it weren’t for [Redacted] and [Redacted] and the Olympus company behind them, I probably wouldn’t be able to afford to send my son to college. I highly recommend Olympus Insurance. Be your own advocate, people. If you’re in the right, then Olympus will indeed stand by you.

    • Hello Jessica,
      Thank you so much for your positive feedback. We are so happy to hear that your experience with us has been a pleasant one. Recently, we have been working relentlessly revamping our claims structure to ensure we receive more positive feedback like this. We are more than pleased to hear that your adjuster was courteous, professional, and prompt. Always feel free to reach out to us with any comments or feedback at the appropriate contacts found here:
      Thank you.

  20. Olympus Insurance is a unstable and unreliable company that you would have to be a fool to switch from Citizen’s Insurance to Olympus.

    I recently received Olympus take out offer letter, which call be view as a PDF at Olympus Insurances Website:

    As a former “Admitted to Practice Before the IRS Enrolled Agent” that holds degrees in Accounting and Taxation,
    I choose not to go with Olympus Insurance as they are a unreliable company that has not actual proven track record.

    I conducted my own background check on Olympus Insurance and located a number of questionable issue that which some are listed in this article and some are not.

    A search at located that Olympus is also using a “shell company” named OLYMPUS MGA CORPORATION. Being my education on corp finance I was very concerned to why Olympus Insurance is using a shell company with all same officers. A sign that Olympus business practices are not on the up and up.

    Both OLYMPUS INSURANCE and OLYMPUS MGA CORPORATION list a Jennifer Gravelle as the C.F.O. which in Florida by public record there C.F.O.’s C.P.A.’s license can be checked for complaints at However a search for Jennifer Gravelle C.P.A. license revealed that Jennifer Gravelle is not a Florida C.P.A. by
    As a former “Admitted to Practice Before the IRS Enrolled Agent” Jennifer Gravelle not having a C.P.A. license as a C.F.O. raises all kinds of RED FLAGS to who is actually handling Olympus Insurance finances.

    Finally this article talks about the Demotech Inc. Rating, verse the Weiss Insurance Rating of Olympus Insurance. IT IS VERY NOTEWORTHY to add that if you got the most recent 9/22/2015 Olympus Insurance takeout offer that Demotech Inc. was paid by Olympus Insurance to receive the “A” rating from Demotech, Inc.
    Weiss’s rating of “D” given to Olympus Insurance is 100% complete unbiased and as Weiss is in Jupiter where I use to practice I spoke to people at Weiss and essentially was told Olympus Insurance is the poster child for homeowner insurance fraud in Florida.
    Again as “Admitted to Practice Before the IRS Enrolled Agent” being what I located about Olympus Insurance by and about Olympus Insurance C.F.O. lacking a C.P.A. I completely understand why Weiss is rating Olympus a “D”

    In the final elements of my background check I checked my Florida County Clerk’s of Courts website for lawsuit and litigation history. I’ll be updating this post to the many questionable legal cases Olympus Insurance has been involved with since 2010.

    IN CLOSING after reading the many complaints against Olympus Insurance listed here in article and conducting my own background checks being my education listed above.

    IM very glad I OPT’ED OUT and turn down Olympus Insurance take out offer from Citizen’s Insurance.

    Olympus Insurance is not a reputable company and no Florida Homeowner should risk exposure of the house to a ethical and un-reputable company as Olympus Insurance.

    Further having lived in Florida all my life and having my grandparents date back in Florida to 1890s, having seen how after Hurricane Andrew in 1992 showed the fraud in Florida Homeowners Insurance market, than seeing the fraud again after the 2004-2006 hurricanes ending with Wilma, and given I have a master’s education corp. finance is it my opinion that NATIONAL Insurance company do not write homeowners policies in Florida because company like State Farm and Geico have said that Florida homeowners insurance is EMPHASIS ADDED “NOT A PROFITABLE BUSINESS” to be in. And that was state farm’s and Geico’s C.P.A.’s licensed opinion.

    Olympus Insurance is nothing more then a fraud business that will have to run to state lawmakers to received Florida Hurricane C.A.T. funds to pay claims in event of even a small storm.

    THEREFORE OLYMPUS INSURANCE is only a government run BOONDOGGLE that all Florida Homeowners should avoid.

    • I highly doubt you have a Masters Degree in anything. I further doubt you were an IRS agent. Here’s why:

      “Further having lived in Florida all my life and having my grandparents date back in Florida to 1890s, having seen how after Hurricane Andrew in 1992 showed the fraud in Florida Homeowners Insurance market, than seeing the fraud again after the 2004-2006 hurricanes ending with Wilma, and given I have a master’s education corp. finance is it my opinion that NATIONAL Insurance company do not write homeowners policies in Florida because company like State Farm and Geico have said that Florida homeowners insurance is EMPHASIS ADDED “NOT A PROFITABLE BUSINESS” to be in. And that was state farm’s and Geico’s C.P.A.’s licensed opinion.”

      This paragraph, indeed your entire post, is full grammar errors such as: periods in the wrong place, missing periods, missing commas, commas used as periods, periods used s commas, missing prepositions/words, improperly used words, verb-tense disagreements and run-on sentence(s). It also has possessives used as plural, “Master’s” instead of “Masters.”I was going to write that this looked like it was written by a High School student. But that would be an insult to the School Boards.

      I worked at Olympus and I know Jennifer personally. She is an excellent person, honest and hard working. Perhaps reading this website will illuminate you or anyone else

      You accuse Olympus of using a shell company, then I guess when the big players do as well it must also be fraud. Because State Farm operates a subsidiary called State Farm of Florida. From your post, however, we can infer you respect those big national carriers.

      I worked as an adjuster in Olympus. Never did I receive pressure from Management to pay or deny a claim. That was the adjuster’s decision, based on the policy language (be it the Citizens policy or the Olympus policy). I and all my other fellow adjusters adjusted honestly and fairly adhering faithfully to the language of the policy. We looked at the facts, we made a decision based on the language and we quoted said language on our decision to pay or deny to show our rational.

      Finally, I know the CEO of Olympus. He is not a CEO of a drive by night carrier, that is here today and gone tomorrow. If you had done true research you would know they have been audited by the State, and found to be compliant.

      You also stated: “Finally this article talks about the Demotech Inc. Rating, verse the Weiss Insurance Rating of Olympus Insurance. IT IS VERY NOTEWORTHY to add that if you got the most recent 9/22/2015 Olympus Insurance takeout offer that Demotech Inc. was paid by Olympus Insurance to receive the “A” rating from Demotech, Inc.
      Weiss’s rating of “D” given to Olympus Insurance is 100% complete unbiased and as Weiss is in Jupiter where I use to practice I spoke to people at Weiss and essentially was told Olympus Insurance is the poster child for homeowner insurance fraud in Florida.”

      First of all, no employee at Weiss would say something like that. It could get the company in serious trouble. Second, If that is the opinion they hold, then the unbiased rating you claim they published is not so unbiased after all. Third, did you do any research on Weiss? To be fair the article is from 1992, so something a little more modern, perhaps? This is a “rating agency” (and I use the term loosely) that downgraded the US Debt to junk level. Plus his owner has run afoul of the SEC more than once. I would not trust Weiss.

      Finally, let’s argue for a second, that you were in the IRS. That corrupt organization from which you pride yourself is far from clean. Ever heard of Lois Lerner? The IRS, like many government entities, has a long history of abuse of power and corruption. Not by you, obviously, but it is still not a place I would be proud of working in. Also, lets say you do hold a degree in accounting and taxing. That in no way makes you an expert in insurance.

      • Hello Joel,
        We appreciate your feedback. Thank you for you reinforcement on our credibility as a company and Ms.Gravelle’s credibility as CFO. As you mentioned, Olympus has never had anything fraudulent attached to it and checking any IRS records will prove so. You are correct in saying we are entirely compliant with any government tax and business regulations. Finally, thank you for saying so about our CEO whom is a dedicated individual to the ethical practice of insurance production.

    • Hello Mr.Wright,
      First all thank you for your detailed feedback.
      I’d first like to address your comment that we are not a reputable company. Olympus is actually not just a reputable company with a proven track record, we have received superior financial stability ratings from Demotech, Inc. and have even been recognized by governor Rick Scott for being one of Florida’s most influential home owner’s insurance carriers. This recognition can be found in the April edition of the South Florida Business Journal. We’re not familiar with any affiliates of this Weiss Rating, but we have never had anything fraudulent attached to our name and saying so borders on slander. Your accusations about Ms.Gravelle may also be considered slanderous.
      Olympus is in no such way a “shell company” as you put it & we have been in operation for nearly a decade never having any issues whatsoever with the IRS or any government agencies which are administered to handle fraudulent companies.
      Furthermore, Olympus’ reinsurance structure may be viewed on our website if you have any doubts about our ability to handle any major catastrophes.
      Thank you for your feedback.


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