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Westfield Insurance Review

Westfield Insurance offers multiple products including personal insurance – auto, home, and umbrella as well as boat insurance – and insurance for a variety of businesses both large and small. They are an agent-driven company.

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

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UPDATED: Jul 13, 2020

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Westfield Insurance
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Ohio’s Westfield Insurance is part of a group of companies whose holdings include not just financial subsidiaries, but a country club that is home to a Championship golf course. Writing both personal lines and commercial, and with a strong position in agribusiness as well, Westfield is a growing regional insurer.

Westfield Insurance Summary

Westfield Insurance was founded in 1848 in Westfield Center, Ohio as a farm insurance company. Originally known as The Farmers Mutual Insurance Company, a few years later the name was changed to Ohio Farmers Insurance Company, a company that still exists as a subsidiary of Westfield today. In 1971, as the company grew, the name Westfield Companies was chosen to encompass all of their operations.

Today the Westfield Group writes personal and/or commercial lines policies in 21 states, and offers surety services in 50 states as well. Their product range encompasses basics of personal insurance – auto, home, and umbrella as well as boat insurance – and insurance for a variety of businesses both large and small. They continue to write farm insurance as well and are one of the top companies in that market in the U.S.

Westfield Group Companies are:

  • Ohio Farmers Insurance Company
  • Westfield Insurance Company
  • Westfield National Insurance Company
  • American Select Insurance Company
  • Old Guard Insurance Company

Westfield Insurance policies are sold through a network of over 1000 independent agents across the states they serve.

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Insurance Products

Westfield sells basic personal line products as well as a range of commercial and farm insurance products. Availability varies by state.

Auto Insurance

Westfield offers a basic auto insurance program combining liability with common car insurance options. Available options include extended non-owned liability and loan/lease coverage. The company also offers a roadside assistance option that provides 24/7 coverage anywhere in the U.S. or Canada.

Also offered, are motorcycle and RV coverage, which can be added to an existing auto insurance policy.

Home Insurance

Westfield offers homeowners insurance individually and through its Wespak insurance bundles. Homeowner’s policies include structure protection, personal property coverage, and liability along with a list of other features.

Home insurance is available for standard single-family homes and condos, and Westfield also offers renter’s insurance for tenants living in apartments or other rental units.

WesPak Insurance Bundles

Westfield’s auto and home insurance bundles are above and beyond the typical bundle. In addition to saving money, these bundles come with additional added features listed below. There are two types of auto/home bundles available:

  • Wespak, the basic bundle, combines both policies with a single deductible and single bill.
    • Added coverage with this bundle includes trip interruption and replacement cost coverage on top of the standard features of each policy.
  • Wespak Estate is a bundle designed for high-value homes and for more affluent customers who have a lot of assets to protect.
    • In addition to all of the other added coverage, this bundle also includes equipment breakdown coverage.

Additional Products

Boat Insurance

Westfield offers comprehensive boat insurance policies including liability and damage protection. These policies, however, are only available as an add-on to an existing Westfield home or bundle policy.

Umbrella Insurance

Up to $1 million in additional liability coverage is available through the Westfield Umbrella policy. This coverage is above and beyond the limits of the underlying Westfield policies.

Business Insurance

Westfield writes business insurance for companies of all sizes. Available policy options include:

  • Business liability
  • Worker’s Compensation
  • Property Coverage
  • Commercial Auto
  • Surety Bonds
  • Employment Practices Liability
  • Data Compromise
  • Equipment Breakdown

These are available in varying forms of combined policies. Westfield has package programs for a variety of industries including:

  • Contractors
  • Health Care/Medical
  • Hospitality/Hotel/Restaurant
  • Manufacturing
  • Real Estate


Westfield’s background is in farm insurance, and they continue to offer those policies today. Additionally, they offer coverage for several other types of agribusiness, such as:

  • Vineyards and Wineries
  • Commercial Agribusiness
  • Horse Insurance

Westfield Prices and Premiums

Quotes are currently only available through an agent. The website directs visitors to enter basic information in order to be directed to a local agent to obtain premium information. As a result, there is not a quick way to compare rates from Westfield with other companies.

As an agent-driven company, rates are likely a little higher due to the need to pay commissions. Westfield does offer bundling, which is a good way to bring down rates, and is likely to make them more competitive for those looking to insure both auto and a home.


Claims can be reported to Westfield either through an agent, by calling their 24-hour claims line (866-937-2663), or by email. Auto glass claims can be filed directly online, or via a separate phone line. There is a third line for roadside assistance.

Westfield attempts to contact the insured within 24 hours of the claim being submitted. They also promise fast processing times and quick settlements. Their website has a clear explanation of the claims process.

There are claims offices throughout the area where Westfield writes insurance, designed to help expedite claims.

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Consumer Feedback

Westfield has an A+ rating with the BBB and shows a total of 19 complaints in the past three years, with three of those closed in the past 12 months. This is a relatively low number of complaints for a company of this size.

There are some negative reviews out there, mostly pertaining to billing issues and unsatisfactory claims handling. These are fairly common for insurance companies, and they do not appear in enough numbers to be of serious concern.

There are also several positive reviews, always encouraging to see with an insurance company given the fact that people are far less likely to write reviews when they are happy than when they are unhappy with a company.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch N/A N/A

Bottom Line

Is Westfield Insurance a good company? Westfield offers a fairly good range of products, and their auto/home bundles are definitely a value-added program that offers more than the average insurance bundle. As an agent-driven company, however, they are likely to be somewhat more expensive than similar direct-buy companies. Their reputation seems fairly solid, with little of major concern in the reviews, however it is difficult to compare rates given the lack of online quoting. As a result, Westfield may be worth comparison but may also lose the attention of those looking to get fast and easy quotes.

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

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Review Information

Review Date
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. Public adjusters are professionals hired by a homeowner or business to assess and manage damages/losses that should be covered by an insurance policy.

    They manage the settlement of insurance claims on behalf of their clients to ensure proper reimbursement is received, and nothing is left unchecked.

    In addition, they are especially useful when the insurance company is disputing your claim.

  2. The worst insurance company I have ever dealt with.

    It took five months to deny a claim after 25 other homes within our neighborhood were repaired after a wind and hail storm.

    They’re completely incompetent and apparently incentivized to say “no” when you submit a claim.

    Buy insurance with someone who will live up to their policies.

  3. I do not have Westfield insurance but the person who totaled my car does. Their customer service was good, but the claims adjuster was unwilling to negotiate with me to get the settlement finalized. I ended up having to file the claim through my own insurance and my insurance company will have to subrogate to recoup their payout. My rating: Customer Service 4 stars, Claims Adjudication no stars.

  4. I am an independent broker representing Westfield for over 40 years. NEVER have I or any of our clients experienced anything like these nightmarish claims scenarios. And as agents, we do not permit our carriers to treat policyholders in anything but a professional and fair manner. We frequently have coverage disagreements is this business, but not to the extent I’m reading here with all of these complaints. Sometimes events occur that are just plain not covered, or there is a gray area that causes disagreement. But I have never known Westfield to intentionally and knowingly try to avoid paying legitimate claims, especially first party damages for their own policyholders. This does not add up.

    • It adds up just fine to all us people who have had such a horrific experience. I don’t just hold Westfield and their sister partnerships to blame for our situation. The man insured through Westfield who hit my father kept driving(even after knowing he hit him) and refused to cooperate or admit his faults and the police had to pry who he was insured through out of him to even get the report filed. Then proclaimed he did not hit my father at ALL… Thank god for cameras cause I took pictures of EVERYTHING including stopping traffic to take pics of the location he hit my father at. Hands down he was a nightmare. Then the issues with Westfield came out after the matter and again there’s a clear lack of cooperation within Westfield as well. So your statement of it doesn’t add up is only one man’s opinion, yet all of our experience and opinions keep adding up every time someone has another horrific encounter with the company you support.

    • You are the worst! We were hit by one of your clients texting while driving. My husband sustained an injury. I can tell you without mentioning names the lady from your company was at mediation. She is a total bit** guys lowballed us so badly we won’t have Shi** left after all the fees. She even made a rude comment not knowing I was waiting behind her in the lobby or who I was. What a joke. You don’t give a [redacted] about anyone but yourselves. What if it was your or (the agent I will not name) family member in this position? You would want the same for them. We were not asking for an unreasonable settlement. But NO you don’t care! I should have sued your [redacted]!!! But you would have brought your own doctors in and really would have screwed us over. So you see all of you can go to [redacted]!!! Such a bunch of uncaring don’t give a [redacted] company.

  5. On August 4, 2017, my wife was t-boned by an insured of American Select that ran a red light. She was injured and my vehicle sustained over 20k in damages. My insurance paid the repairs and 30 days of rental. We were told by American Select that we had to pay the rental for the remainder of the repairs and would be reimbursed when the car was returned and a receipt provided to them. We paid 70 days for the rental and provided a receipt on November 11th. Still, have not been paid. My insurance company agreed to a lower settlement on the property damage side so we could be made even for the loss of value when we traded in the car. We have accepted the property damage claim 3 times but were told by an attorney that American Select retained to protect the lady that hit us. They retained an attorney to protect their insured when no action has been filed against their insured, American Select or Westfield. The claim cannot be settled in parts and they will only settle if we accept the injury offer and the property damages together. The attorney stated he does not represent American Select or Westfield but has been the only one communicating with us about the claim. We have sent email’s to American Select and filed a complaint with the president of Westfield on November 30th. No one from Westfield has answered our complaint. We made contact on Facebook with Westfield in a private chat. We had 2 exchanges with someone called [Redacted] who told my wife he would have an answer to our complaint in a day, that was on December 19th. Several days later we tried to contact [Redacted] again and the only message we get is he is unavailable. There is a $1500.00 difference in our offer and their’s for the injury claim. The attorney stated to settle part would cost American Select money. They have money to pay the attorney but not us. They have not paid the doctor.
    The attorney told me I am not their insured so I don’t have a direct claim against American Select. I have a breach of contract claim due to the rental car being paid by us and not being repaid by them after they put it in writing that they would do so.

  6. Westfield insurance is the worst! Period! Do yourself a favor and don’t even waste your time with them.

    • I can’t agree more. You can’t contact the right ppl EVER and they only provide pieces of information to you vaguely. We were hit by a semi-truck and he falsified his info, now Westfield has been contacting us via voicemail saying they are the insurance company handling the “claims” made. We have our own insurance and THEY are the ones handling our claim. The semi driver changed lanes with no blinker, hit us(pinning us against another semi) and then kept on driving! Then miles away from the scene, finally got him to pull over, then proceeded to give the cops false information/insurance. What a trip this has all been.

      • Get the black box.

  7. We had been working with Claims Territory Leader out of their Centennial, Colorado office concerning a claim against a local Landscaper. They messed up our yard and house. Everything was going well and she was addressing our concerns. We had inspectors/engineers come to our house to review the issues. We even had an offer that we were reviewing and were in commutations with Westfield about.
    Then we got an email with a letter stating the settlement offers were withdrawn. No reason why or even a call. All we got was an email, after I inquired, stating “At this point, if you need details about the offer being withdrawn I would need to refer you to the Landscapers. I am unable to comment any further at this time.” Dumped! Not even a real answer. If I had taken the offer a few days earlier, I would had been done with this. The Landscapers were covered by Westfield when this issue happened and they should still cover this claim. I never got an answer from Westfield as to why.
    The Landscaper did go into Bankruptcy several months later. If that was the reason, then Westfield fraudulently delayed me from getting my claim settled in a timely manner.

  8. Westfield insurance has no clue in taking care of claims against them. They do not come out and see with there own eyes to determine what actually took place. They would rather sit on their butts and take the word of their client and just deny a claim. They say we have no proof and basically inferred my wife was lying. I am withholding the company name that Westfield insurance represents in hope that they have the decency to do the right thing. I am hoping the company’s owner and president will return my call to resolve this issue.

    • No return call from the Adleta Construction company that put a candle stick cone in our driveway. Owner and president was to return my call, but as of today no call. It has been several months since this has happened and we are stuck with a damaged car thanks to an Adleta construction employee. Being the construction in myself. It makes me sick when companies look at the bottom line instead of doing the right thing. Westfield Insurance have been no help. Westfield Insurance only took the word of their client and concluded my wife made it all up. Westfield Insurance and Adleta construction are only out for themselves.

  9. I have been a Westfield home policy holder for the better part of 20 years. In that time, I NEVER had a single claim on my insurance. On the morning of November 6, (exactly one week to the day of installing new carpet), my husband noticed a tiny spot on the floor. When he bent down to inspect, he was hit with a drip of water where my ceiling was leaking. My contractor was at my home within 15 minutes and the leak was stopped within the hour. They said wind and weather had caused the shingles to lift. I contacted Westfield and they were to send an adjuster in a week. When he contacted me on the phone, he was rude, condescending and made it very clear that my roof was just old. He even suggested I poke a hole in my ceiling with a broom handle and put a bucket under it during the review process! No surprise, when he came and evaluated, he determined that it was not weather related, but instead improper roof installation and my damage was not covered. When I complained about the decision, as well as the attitude of the adjuster, they told me they would be sending an engineer to assess the damage. I wasted another week waiting for him to show up and then another 6 days for his response (which I had to call repeatedly to get). Then another shocker, the Westfield engineer agreed with the adjuster. Now it’s two days before Thanksgiving and I’m having my house reroofed and paying for it out of my daughter’s college fund. In twenty years, I never had one problem with my house or roof (and I had top of the line 30 year dimensional shingles installed when built) so apparently someone did something right when it was built. I’m disgusted, disappointed and disgruntled…what’s the purpose of insurance if you can’t use it?

    • Be advised Insurance company engineers are akin to the expert witnesses used in trial. They are not impartial.
      I have had several clients experience a similar initial offer from their insurer (Westfield has a reputation for being arbitrary). I recently successfully negotiated a proper settlement for a roof claim from Westfield. For a list of references, free free to contact me through the Ohio Department of Insurance search tool.

      If you do not hire my firm, I highly recommend that you contact an experienced, vetted, licensed Ohio public adjuster.

    • Westfield adjusters are clearly company men with the sole mission to save the company as much money as they can, and, be damned the insured. I for one would like to see more class action law suites against insurance companies that do not honor their own contracts. Why have insurance if your not covered for your loss or damage? It just seems like a ponzi scheme where promises are made and NOT kept when it comes to a claim. Talk to your attorney, go public with your complaints and bring some sense to the insurance industry.

      • AND Don’t forget to review everywhere you can! Leave reviews on Google, Yelp, and every other possible place you can! Like he said, go public so other’s can BEWARE and hopefully you will see a result. Review the company and the involved insurance agency.

  10. Help! We do not know where to turn. We are in the process of a nightmare. To begin with we live in Michigan and have been loyal Westfield Clients for 30 plus years. On May 20, 2015 we discovered we have a water pipe bust under our kitchen sink between the floor of the cabinet and the the sub floor. By the time we discovered it water had leaked through the basement rafters and through most of the sub floor and kitchen cabinets. I called our Agent who referred me to the claims Dept. in Illinois. The lady I spoke with sent ServPro out for water mitigation. They ripped out 1 entire section of cabinets and half the floor. Dryers and Blowers were put in place for 10 days. I contacted this Adjuster and asked her what to do. She said they give an estimate and damages would be covered. Since that time she has told us one thing, SerPro something else and now we have brought in our own contractor for an estimate and he is being told something completely different, In the mean time my kitchen is unusable due to no sink or water. How can someone in Illinois who has not seen the damage be judge and jury as to repairs? She is telling ServPro everything in kitchen will be replaced she is telling our contractor basically piece it back together. Me and my husband are in poor health with me being disabled. Where do we go what do we do? Please help!

    • Kathy,

      You need to locate a reputable, Licensed Public Insurance Adjuster before speaking with your insurer further. Additionally, may provide further assistance with regards to forms and other resources. It is important to understand both your duties and your rights and a public insurance adjuster can navigate these waters for you. Try as well. They are a very reputable Public Adjusting Firm.

      Best of luck to you.

      • Thank you so much Aaron ! We are now on day 17 of this nightmare with still no resolution in sight. Thanks so much for your time it is truly appreciated.

  11. I had an accident on 4/23/15 in Colorado where Westfield’s insured driver came into my lane and hits the front of my car. I made the claim the same night and was told I would be contacted the next business day. The lady that called me 4/24/15 called me at the end of her day leaving a voice mail stating “I was just trying to reach you before I left as it is the end of the day for me. Call me 4/27/15” I called 4/27/15 and waited all day to hear back from this lady. She asked what happened and I explained that her driver changed lanes and hit my car. I told her I was going to get the car estimated for the damage. See told me to send it to her and also send a drawn diagram to what happened. I did this all 4/27/15. I called and emailed her 4/28,4/29,4/30 with no response. I had to call her manager and he said she would get back to me. I also had to go to the police station to get the police report and the copy of the ticket her driver received. 5/1/15 late afternoon she called me to record my statement which I did. Once done she ended the recording and stated that what my version of the story was different from her drivers story. He stated he had his turn signal on and I stated I did not see his turn signal on. She then said that they are only going to pay a percentage of the damages as I was negligent to the drivers turn signal. I told her it was not on and she stated “his turn signal was on”. I asked if she was there and saw his signal on and she said no she wasn’t but if he said it was on then it was on and this is why they are not going to cover all the damage. She told me that she would have her final decision by the end of the day 5/1/15. Today is 5/4/15 and I have not heard a word from her or her manager and I have called both of them and sent her an email as well. This company is one of the worst and most unprofessional I have ever dealt with. Has anyone taken legal action against this Podunk crap insurance company cause I feel that is where my claim is heading.

    • Hi Daniel,

      Your story sounds almost exactly the same as what is currently happening to me! My friend was driving my car (I wasn’t in it) and another driver changed lanes in an intersection and hit the back corner of my car. The driver was cooperative and didn’t dispute that the accident was his fault. After countless unanswered calls and voicemails to Westfield over the course of the last week, the Westfield agent finally called my insurance agent to say that my friend’s account of the accident conflicts with her client’s. They are saying my friend changed lanes and hit the other driver and that Westfield refuses to pay out any damages!! I am livid and want to take this company to task for their unethical behavior.

      What ended up happening with your case?

      • I had to threaten to take then to court several times. It was the worst and most time consuming process I have ever had to deal with. They try to say their customer is right no matter what even though their customer got the ticket for driving like a jerk. Hope it works out for you.

        • Daniel, thanks for replying. Your situation sounds like a nightmare and I see something similar in my future.

          Did Westfield Insurance eventually end up admitting liability and paying for the repair?

          I’ve contacted a lawyer about my situation and am trying to collect all of the data points I can.

          Thanks in advance for any insight or recommendations you can provide on how to deal with Westfield.

          • They paid me 125 less than my estimate and I was happy with that as they said they were only going to pay half. Once I to them we will go to court and they would pay more cause I would win as hear say does not work in the court they paid me
            Good Luck

  12. Westfield has been the worst insurance company I have ever dealt with! I was left 6 days without a rental car after one of their policy holders hit my car (I was at 0 fault). I also received the run around every time I called and was sarcastically attended by [Redacted] in the customer service department. I also was told by her that I should just tape my side mirror and continue using the car. She never bothered to ask me if the mirror was on the side view mirror after I explained I needed a rental car. So she was literally telling me to drive an unsafe car with a huge blind spot (and I leave early in the morning while it is still dark) to work. Then after getting fed up with the run around and arguing with [Redacted] on the phone I was blamed for saying the car is drive able and that is why I was not given a rental when the correct details were not taken down. So what am I supposed to do next time; lie about my car to get some decent service? Also we finally got a cal back from our claims representative [Redacted] who had called me after 6 days of me leaving messages. I missed the call because I was at work and I was sarcastically blamed by [Redacted] for missing the call as if it was my fault. It should have never taken 6 days to get a call back in the first place. So once [Redacted] is on the phone she clearly expresses how busy she is And that she had not rushed to get back to us because I told them my car was drive able even though I clearly expressed I had no side mirror and they assumed I could just tape it back on. [Redacted] even asked me if I could tape it back on and I said no and she responded by saying “we’ll have the dealership tape it”. So ultimately after being extremely frustrated and expressing this to [Redacted], she approved a rental car and we have an appraiser coming to see the car tomorrow. I lost two days of work because of their horrible service and I would never recommend them to anyone! I hope [Redacted] can get some help in her department because she obviously has too much on her plate. Also I hope that next time I am not sent to drive a car that is unsafe and that when I leave a message for a supervisor [Redacted] that I get a call back right away. It’s been practically 2 days and haven’t heard anything. Once again worst service ever!!!
    Its not like I asked to get hit by one of your policy holders!!!

  13. Westfield is the insurance company for a fast food restaurant that I had a slip and fall. They denied my claim stating that since I saw the girl mop the floor, they are not liable for even my medical. The adjuster said he interviewed employees and they said that there was a wet floor sign up even though none of these employees were in the lobby except the girl who mopped and stopped mopping to help a customer sincec she was the cashier. I had a witness and other evidence that they never explored. I will be seeking legal counsel.

  14. I had an auto insurance claim I thought was cancelled several months, ago. I just found out at the end of October that they have been debiting someone elses account since March 2013, and they are coming after me to pay all of the payments since March. Then they insist on trying to still keep me covered so they can collect, and once I reported them to the Better Business Bureau, they now are giving me a cancellation date of November 17th. Wow, does anyone know of an insurance company that will keep your policy in force that long?, No insurance company would, unless they are up to something. They lied and made a statement to the Better Business Bureau that I threatened them and they had to send me to security. I told Westfield customer service, that I was going to report them to the Better Business Bureau, and the public must know about this company. And they were offended. I was stunned that they would go so low to lie, that was a wake up call for me. and that’s scary when people trust a company like this. How can that be worth it, they are slowly ruining the company’s reputation. I never experienced nothing like this with an insurance company, this is by far the worst. I also had home insurance with them, they cancelled the home insurance, because they failed to notify my mortgage company who makes the payments annually. They make too many errors, and they will hold you liable.

  15. I too have been a faithful Westfield customer, and a policyholder for almost 8 years. With that being said I called in regards to my closet having debris coming from storm damage. You could clearly see that there was a problem from the outside in. I called Westfield and an adjuster took pictures. They had fancy equipment to survey the damage and spent more time informing me what wasn’t covered in my policy. Long story short, the adjuster kept making excuses to pay for the damage to our home. What can be done about this company…The Attorney General??

    • Hi Lenora,

      I would start by filing a formal complaint with your state’s insurance commissioner. This is unlikely to get an immediate result for you personally, but it is always a good idea to let the authorities know. If enough people file complaints, action tends to be taken.

      If the damage is severe enough and there is enough money riding on the outcome of the settlement, it may be a good idea to hire an attorney that specializes in insurance claims. It can seem unfair that the insurance companies are judge, jury and executioner when it comes to claims, so it is often a good idea to get a professional on your side who knows how to navigate the dirty waters of the insurance claims process.

    • Hello, can you tell me more about your claim? I have seen this happen all too often when there are confusing letters sent to the customer and they feel like there is no where to turn. Fortunately, there is assistance for policyholders in Ohio, but few people realize it and I would imagine that the insurance industry prefers it that way.

      I am an Ohio public adjuster. What this means is that I am an advocate licensed by the Ohio Department of Insurance Commissioner for property owner’s in their claims against their insurance company.

      You will need to contact an experienced public adjuster to look into your claim and to advocate on your behalf if you feel that the damage should be covered.

      I can be reached at the number below.

      [Phone Number Redacted – Original commenter may contact if they would like to retrieve this number]

  16. We have had business insurance with Westfield for nearly 20 years. I believe we had 2 small claims in all that time.

    About 2 years ago a customer, who was in the roofing business, claimed we had hail damage on our warehouse roof from a storm a few years earlier. I walk on the roof yearly to remove debris and did not notice anything. The Westfield agent took pics and showed pictures of hail damage and normal aging. I agreed that it did not look like the hail pics he showed me, and there were quite a few.

    Just a month ago another customer who is a roofer and has achieved the highest rating as an inspector, noticed damage from the ground. We allowed him to inspect. He provided numerous photos and proof of wind damage which he attributed to Hurricane Sandy and its winds which reached well into OH.

    Westfield sent a roofing engineer, which I found a bit odd. He spent at least an hour inspecting and taking photos of our 2 buildings. The verdict of the roofing engineer was the damage was man made. Someone had physically damaged the shingles and bent them.

    It happens that we have known the roofer, who found the damage, since he was a small child. His family rented from us for nearly 10 years. All very good and honest children. I do NOT believe he would damage the roof. Westfield is impugning both the roofer and myself as a result. In effect, they are saying that he or I are responsible for the damage.

    Is Westfield trying to avoid paying for this claim?

    • Hi D A,

      It is quite possible that they are trying to avoid paying the claim. The less they pay out in claims, the more money they make.

      That being said, you may want to consider contacting the Ohio Department of Insurance to file a complaint. They may not be able to get a resolution you are satisfied with, but it is a start. You may also want to talk with an attorney if the claim is large enough. Just because an insurance company says no in the beginning does not mean they are off the hook.

      Good luck.

    • Your insurance company does not have to communicate with your roofer or contractor. Insurance companies are required to communicate with you or if you are represented by a licensed Public Adjuster or a Public Adjusting Firm or an attorney or a law firm.

      I am an experienced Ohio licensed public adjuster. What this means is that I am an advocate licensed by the Ohio Department of Insurance Commissioner for property owner’s in their claims against their insurance company. I am an expert with regards to property claims and I advocate for the policyholder. The insurance company has an adjuster and if you value your property, so should you. You may also be intrigued to learn that in Ohio there is currently no license required to be an insurance adjuster on behalf of the insurance company/carrier/group.

      You will need to contact an experienced public adjuster to look into your claim and to advocate on your behalf if you feel that the damage should be covered.

      You are not alone. Coincidentally, I currently have a client that is experiencing an issue identical to yours.

      I can be reached at the number below.

      [Phone Number Redacted – Original commenter may contact if they would like to retrieve this number]

    • Vandalism is covered, Was your claim paid? I would bet my dollar it was. There is ALOT of roofing fraud going on by roofers, and they always are “honest” with the customers they want to do the roof for. Adjusters and the engineers have to be very careful in handling vandalism claims, as the roofers often try to sue them for defamation of character if they say the wrong thing, ie, directly accuse someone. Did you insurance company tell you whom to use to do the roof? I would bet they did not, and you used the roofer in question. If the person who vandalized the roof gets caught (which they may on another roof), it’s felony vandalism and insurance fraud. Many roofers get away with this sort of thing as most adjusters aren’t trained that well to understand and identify hand intentional damage. Again, vandalism is covered. So why would the insurance company spend two thousand or so on an engineer, and the adjuster put himself in the position they may have to testify in court and be legally exposed WHEN THEY ARE GOING TO PAY THE CLAIM ANYWAYS, if not for a good reason?

  17. I’ve had my Homeowners and Auto Insurance with Westfield for about 13 years. I’ve NEVER had a claim on either policy. Last year they raised my Auto Rate 3.9% and my Homeowners rate 4.6%. This year they raised my Auto Rate 11.4% and my Homeowners rate 12.9%. When a company is not smart enough to recognize a good customer that is not costing them a dime, it is time for that customer to find another insurance company that does.

    My other concern with this company is the lack of diversity in their staff. I just looked at their 2011 Annual Report and was not able to find a single African American. Their management is almost exclusively white men. I am a white male professional and this even offends me.

    I wanted to discuss my concerns with the management of this company, and they would not talk to me. They told me I’d have to write a letter.

  18. I had an electrical fire in my attached garage on 1/7/13. It’s almost 14 weeks & they have done nothing. They hired a lawyer who responds a week later with only negative emails.They are rude, unprofessional & incompetent. Their crooks. They will do anything to delay or deny a claim. The agent is already cxl me & their has been no scope of loss. They have caused my family great hardship in every aspect.

    I would rate them -0

    They don’t care about their policyholders, they just want your money.

    • I am an Ohio public adjuster. What this means is that I am an advocate licensed by the Ohio Department of Insurance Commissioner for property owner’s in their claims against their insurance company.

      You will need to contact an experienced public adjuster to look into your claim and to advocate on your behalf if you feel that the damage should be covered.

      I can be reached at the number below.

      [Phone Number Redacted – Original commenter may contact if they would like to retrieve this number]


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