I read the stories of others being dumped by insurance companies, and never thought it would happen to me. Surely my insurance company would not do that to me, they always seemed to be talking nice to me, and always sounded like they wanted to help me…
That was until yesterday – when MetLife dumped me.
I have 7 policies with MetLife, including cars, homes and even a life insurance policy. In the 20 years of being a customer with MetLife I almost never claimed anything – until last couple of years, when it seemed like my house was being taken over with water. First came a flood, which ruined my finished basement – but of course that was not covered. Then came another big storm which caused water to come through parts of my walls – but since they categorized that as seepage, that was not covered either. Then came another storm which lifted some tiles from my roof, causing water to pour into my foyer. That was covered and cost them $1,900. And then, just after I repaired the roof, the outside walls, and the basement, my dishwasher popped in the middle of night – flooding and ruining my whole first floor and parts of my re-finished basement. That was covered and cost $14K to repair… Besides that I had a claim for stolen ski’s a few years back, which cost them $500, but which cost me way more than that as all my insurance policies got jacked up.
So yesterday I called to renew a condo policy for a condo we have in Vermont – and I got turned down for excessive claims… yes, you heard that right – 3 claims on 7 policies is considered excessive claims at MetLife!
Of course I am now ready to take all my business somewhere else – but are there insurance companies who are truly customer centric? Are there insurance companies who will actually know I am the same customer whether I have a policy in Vermont, Massachusetts or somewhere else? Are there some businesses out there worth doing business with? Or should I just go on price and consider them my enemy?
Let me know…I want to go away from MetLife forever!