I have serious concerns about communications, qual...

I have serious concerns about communications, quality control, customer service, and processing speed at Lighthouse Property Insurance Corporation. Buyer beware! While you may find attractive premium rates, in my experience, they may be more than offset by rigid rules [ We don t do direct deposit or wire transfers into customers accounts, even when we have made the mistake. (Customer service rep, Lighthouse, 7/25/2019)]. Lighthouse has required that I pay two half-year premium payments prior to selling the home I had insured with them, even though my 1st payment covered a period two months beyond the sale date. After selling the home, they needed a copy of the closing documents, which is understandable; however, they also needed a paper form certifying why I needed the premium refund. i had to wait to receive a paper form which I had to complete, have witnessed, not to mention the difficulty of finding non-related witnesses (without valid drivers licenses yet) in an unfamiliar neighborhood in a different state. And, of course, the form had to be returned to the insurance agency 1st, before they forwarded it to Lighthouse. I had to wait for approximately a month before the refund check was cut and put in the mail. I received the check seven days after the date on the check. But, that isn t the worst of it: After waiting all that time, Lighthouse Property Insurance Corporation prepared the $3,500 check and used an incorrect first name with the correct last name. We were not able to cash the long-awaited check, given the incorrect first name (not a spelling error, but an entirely wrong name). The company - after two phone calls from me to their customer service department and a promised return phone call from the customer service department supervisor that never happened - stopped payment on the original check and told me that I should have a new check in another week. They refused to overnight the check, saying it was not their policy. I even offered to pay the overnight mailing fee. No go. They refer to this as an expeditied check. I think of this as an inexcusable piece of poor customer relations. My experience with this company has been abysmal (poor communications, heavy on paperwork, little concern about customers, and incredibly slow). Worse, though, and most concerning to me is their apparent lack of quality control. Did no one match the name on the check to the name on the insurance policy? I never had a need to file a claim with this company. I wonder if these same deficiencies would occur in the claims filing process.