Chuck Bennett

Review of Prepared Insurance Company

We have had prepared insurance for a few years and...

We have had prepared insurance for a few years and never submitted a claim -- standard for us. Then we got hit by Irma. Our community took a direct hit and our pool cage and plantings were damaged and several tiles were blown off the roof -- but the cost of repairs was far less than our hurricane deductible so I paid it.
Then I learned that our roof may had been more severely damaged so I had it inspected to learn that it was more than 25% damaged and submitted a claim to Prepared. Prepared followed up with their own inspection -- a third party service --- and my inspection damage report was confirmed with a roofing allowance far greater than my initial estimate.
The Prepared insurance adjuster contacted me to grant the claim and went back over the damage that I had already paid. I was reimbursed for everything and additionally for all the food I lost in the freezer as we were without power for several days. Never a problem with them and completely fair. I was even more impressed when I began to discover that several of my neighbors with similar damage and reports had their claims denied by their carriers and are in litigation. Needless to say that i just renewed our homeowners policy with prepared.