Jason Saidoo

Review of IMT Insurance

I had homeowners insurance through IMT for two yea...

I had homeowners insurance through IMT for two years. Our neighborhood was hit with a bad storm, straight line winds that snapped and uprooted large trees. Several shingles flew off my roof and all over the yard. I bought a bundle of closely color-matched (but not exact) shingles and climbed on the roof to replace the ones that blew off (about 6 sheets worth).

A few weeks later, I see construction signs in half a dozen yards in my neighborhood and I ask what's going on. They were all getting new roofs paid for by their insurance company. To my untrained eye, their roofs didn't seem damaged, and they didn't have shingles come off. So I called up IMT to have them come take a look - they sent an independent adjuster. I was told 1. that because I repaired it already, it demonstrates that the roof is repairable, and 2. that it's only about $500 worth of repair (on my $1000 deductible). Fine, okay, thanks for your time.

Fast forward 6 months, and my insurance premium goes up 50% and I start shopping for new insurance. Come to find out, IMT shows a $296 claim on my home (for money I didn't get). When I call to talk to them, the $296 was for the independent adjuster (which I didn't ask for). My IMT representative did not want to go on the roof, hires an independent guy, and charges my home with a $296 claim, which now shows up when I shop for other insurance!

I will pay double not to have this insurance company again. I moved my cars and my home away from them.