Kevin Brown

Review of Fednat

We have been customers since moving to Fl back in ...

We have been customers since moving to Fl back in 2015, never missed or delayed a payment and until late May of this year we never made a claim even after going through 3 hurricanes. We had water damage due to a slow leaking water supply line to the fridge was discovered. We contacted FEDNAT and made a claim and at 1st they were very helpful explaining how their people would come and tear out the damage, have professionals remove the materials and area of black mold and so on. Once the estimates started to flow in and payments 1st started to come in all seemed as it should. Then more work was introduced by clumsy and careless contractors which FEDNAT sent to do the work but they refused to pay. Also, because we were blocked off from our kitchen for 3 months, we were assured our meal expenses would be covered but after submitting the first bit of receipts we didn't hear from our claims agent and it took emails and calls but finally the 1st checks showed up to pay contractors but less than half of the meal expenses were covered.
After repeated attempts to hear back from the agent they finally replied in an email stating that if they couldn't read the receipt, they didn't pay. We were not given the opportunity to make copies darker or any chance to argue the point, just end of conversation as far as they were concerned.

The next issue came when the barriers were taken down by the mold abatement company and their taping removed plaster and paint from ceilings and walls...which FEDNAT refused to pay for. They stated they had already made payments for wall repair which was earlier work done inside the kitchen so no other payments would be made. Pictures, estimates and descriptions about how the area were new to the claim but it all landed on deaf ears.
We submitted the last of the food expenses well over a month ago and we have not heard anything from the agent in more than 2 months. My wife has called to talk to them but always gets their voicemail with no return calls. We have called to talk to managers to complain but that got us nowhere because they did nothing and one of their email addresses came back as undeliverable. Just a horrible and costly experience for us.