Homeowners Choice, Inc Reviews

Claim # 902945 deductible $2500
Policy # HCPCI-489545 HO-3
Effective Date 4/1/2020-4/1/2021
DOL (date of loss) 6/9/2020
CEO: Paresh Patel
Today s date July 17th
Insurance servicer: str8line
Loss type: Cast Iron pipe failure, water damage
Approximate loss in US dollars: $65,345 billable work

Policy has been migrated from Anchor insurance to Homeowners Choice. HCPCI

My policy transfer states a NO renew with Homeowners choice HCPCI.

The claim coverage status deadline is the week of July, 21st 2020 per claim examiner. The cancellation date of my policy is the 28th of July, 2020

I cannot open a new policy with a open claim or my home in a state of Loss. I ll be forced to open a risk policy.

If my legitimate and justified claim is denied or underpaid this will be the first step of many to seek reimbursement and reconciliation.

BBB, Fl office of insurance regulation, social media, a full release of all documentation, legal team services, Fl commission of Ethics. Release of Names of all contacts titles and addresses, a drove of reviews, cross platform reviews, shareable links to all data including all engineering, and professional investigation reports. All reports from HCPCI will be made as discoveries.
Etc........

If Homeowners Choice restores my insured investment whole on this claim I will promote this company s coverage indemnity and products finally deleting this review.
This review will be changed to 5 stars with a stellar recommendation and we never will need to do business again since there is a no renew clause already.

Hurricane Sally ripped my shingles off my roof, causing major leaks in my living room. The guy that came out from HOI to take a look at the damage was professional and nice. He told me he would get me a new roof in no time. WHAT A LIE. 3+ months later, I'm still waiting on a check big enough to cover what my roofer estimated - $15k. HOI gave me $6.6k to fix an entire section of my roof. That's ridiculous. Not only that, but they've not replied to ANY emails or calls concerning this issue for the past month and a half. They've left me with this issue to fend for myself essentially.
IF YOU CAN CHOOSE ANOTHER COMPANY, DO SO! I didn't have a choice after they took over from my last insurance company.

Worst insurance company you can encounter. They have a method of making you give up on your claim: when you call their main number, they tell you who is handling the claim, then when you try to contact that person, there is NEVER an answer, so you leave a message/s. These NEVER get answered. When you call the main number again, they claim that a different person is handling the claim now, and when you try to call- never an answer and never a call back. In my opinion, they have to be investigated by the State Insurance Commissioner. They might be running a complete fraudulent operation. If you value your money - Stay Away from this company.

I paid off my mortgage and I have been trying to cancel a windstorm policy with HomeOwners Choice since December 30, 2020. Today is January 31, 2021. I have been rebuffed at every turn, "No, you have to file a cancellation request", No, you have to provide a Satisfaction of mortgage", No, we can't accept a digital signature on the cancellation form". I think Homeowners has forgotten who the customer is. I am not the product, I am the customer. No I have to resubmit the cancellation form again". Clear all the hyperbole away and look at the basic facts. 30 days plus and counting to cancel a policy

We've had good luck with this insurance company considering their rates and claims experience. I see some others gave them a low rating, but being from that industry I know sometimes they either have a bad agent who didn't explain coverages, or they just wanted the lowest possible price and got that by removing coverage they should have had. We had a simple claim with Homeowner's Choice they paid quickly and professionally. We will certainly continue to use them to insure our home while their rates remain competitive.

We had roof and leak damage form Hurricane Irma and immediately filed a claim. Homeowners Choice sent out an adjuster, processed our claim and cut a check all within a month. Excellent response and service in our time of need!

If i could leave no i would they are so unprofessional called made a clam to fix a leak guy set appointment 2 weeks later came out and cracked the toilet on both sides by the screws homechoice said they will not cover and the plumber said he can work out payment plans with me after taking the 45 dollars talk about a scam now im waiting for a full refund of my money that i have been paying for months this was my first clam i ever made and last

I would give my experience with Homeowners Choice extremely high marks. I was prepared for the "typical" experience of delays, no responses and slow payments but has happily wrong. Lidia, our contact, answered phone calls and e-mails promptly, told us what to expect, followed up on items that we had questions about and generally was there for us. My one suggestion to anyone that has to repair home damage is to hire a contractor that has done insurance work in the past and particularly utilizes the same software that the adjusters use. This made our efforts easier when we submitted the claim paperwork and the supplements. Since we were all working on the same data the approvals were done quickly.

This is the most unprofessional company I have dealt with. I put a claim back in August and have been calling and email my so called representative Jennifer K and to this day I haven't received a call back. I've submitted all the information required and still no answer from them. FAST TO TAKE YOUR MONEY SLOW TO RESPOND TO YOUR CLAIMS. HORRIBLE COMPANY.

Great company to work with. Really good rates and good customer servivce.

Our agency has worked with Homeowners Choice for many years. They have been a pleasure to work with. Recently they have added a new carrier, TypTap, that has been a very good option for our clients in what is one of the hardest markets for homeowners coverage. Their customer service and underwriting department is very responsive. Marketing reps are very attentive to our agency needs and are willing to assist us at all times. I do recommend this company to many of my clients.

Went thru a bad rain and wind storm on 6/7/15 and had damage to my screen porch and the facia of my house. I got my estimates in to the company in 7-10 days. At that point I didn't hear anything until they sent an engineering company on 6-27 . to make a report . The insurance company then claimed they didn't get the report til 7/7/15 and stated that they wouldneed 10 days for the review process. I then called on7/23, 7/28, and 8/10 and received the run-around each time. Finally on 8/19 I called again to hear my claim was denied for engineering reasons. I still haven't received the official paperwork so that I can start myl objection process. It seems to me that by paying my premiums and never having been told that my porch wouldn't be covered the company would have an obligation to pay my claim. Can they, after a hurricane say "Oh sorry' your house wasn't built properly we can't pay for your damage."? I wonder if anyone knows if this bad company just denies all claims? I would be happy to hear any other feedback.

As a victim of Hurricane Irma, I suffered damage to my home. I was patient to work with HCPCI. Finally an adjuster met with use, and some time later I received checks. However, when bringing in roofers to do the work, the amount paid by HCPCI was substantially less than required to do the work. I have submitted new paperwork and find it impossible to get any answers. Consistent e-mails with the supporting documentation and constant phone calls to the so called "claims adjuster", go entirely unanswered. Phone calls to the main office are answered. They ask me questions, then say the will transfer me to claims. Then claims asks the same questions, then says they will transfer me to a supervisor. Of course, the supervisor does not answer, and I go to voice mail. The voice mail promises a call back, which never happens. It seems like a policy to wear out the clients and not have to respond or pay the necessary amounts.
What do I do next...Hire a Public Adjuster.? Lawyer? File a grievance with some higher power Insurance Board?

My experience with this company, has been very positive. The customer service goes above and beyond. The quality of the product is second to none. I would highly recommend this company.

Horrible service
I am still waiting for my claim to be paid out from Irma, that is almost a year. They consistently lose paperwork, photos, and documentation.

Update: still ongoing 3.5.19
2nd edit 8/28/19... no feedback after response from Google post and still ongoing going on almost 2 yrs

I cannot seem to get through. I have 2 phones and have called 2 different numbers. I am currently on hold, one phone have been holding for 24 minutes 877-235-5076, the second phone I've been holding 7 Minutes 813-405-3600.

Our agency writes with Homeowner's Choice sister company TypTap. From start to finish, the company and their employees provide a first rate experience.

I had 3 different plumbing companies to check on a leak in my home this month. We all can hear the leak which they all identify it is under the floor in the dinner room. Homeowners Choice sent out their own people to check on the leak and confirmed what the other plumbers stated. They also agreed with the other plumbers that they need to go through the floor to fix the leak. Now after waiting on them for three days they finally came back and said they will not fix it since they cannot see the leak and they do not see any damage even thou they know it is a leak because
they can hear it and they know my water bill is so high now. They even predicted that my water bill will be even higher. Now they want us to come up with thousands of dollars to get this repair which we do not have. We cannot use our water and we have to go cave man style to wash and flush the toilet. I have been with this insurance company for almost 20 years and now I need their help and I cannot get it. I am not sure if it is because we are elderly and retired couple that they think we do not know anything but this company deserve a negative rating.

While HCI was initially very slow and seemingly confused about about my claim (they sent roof tarpers to my Illinois townhome instead of my FL residence damaged by Hurricane Irma!), they actually came through with a satisfactory settlement. I guess they may have been a little busy with Harvey and Marie?!

The Homeowner's Choice/Typ Tap family have been nothing but good to our staff and our clients.

HOMEOWNERS BEWARE! I got them by default in lieu of the bankrupt homeowners insurance I had. They not only have distributed a check far below market value but then SAW AND REC D additional pics on property damage and never responded. The check is so low that US Bank is reviewing it.. the bank who s name is also on the check. I can hardly get material at wholesale cost for what they sent. Idk how to put in flooring but I guess I ll learn!!! Absolutely horrific at communication and then gets mad and defensive to you if you ask for a WEEKLY update, I enjoyed being transferred to random numbers that didn t pick up and leave voicemails that never became returned calls.

This insurance company does not pay on their claims, you have to hire a lawyer, they hold out for years, and they use every legal ploy they can to cheat their customers. DO NOT USE THEM!

DO NOT BUY POLICY FROM HERE. WORST CUSTOMER SERVICE. STAY AWAY!!!

THIS IS THE WORST COMPANY EVER!!! ZERO STARS...PEOPLE DON'T CHOOSE THE INSURANCE YOU WILL LOSE YOUR MONEY. They have very bad Costumer Service. I call for plumbers and is bean 4 weeks and im still waiting. They set appointment I wait all day in my house losing money and nobody never come I call them and they say (Sorry this is not going to happen again) They call me again and again and we all ready set more that 4 appointments and me and my family are still you sing one bathroom becouse the Plumber they contract are worst that my insurance company. I star reading the review of all the Plumber they schedule and it say they never showed off. They have zero star like this Company . I regret 100% choosing this Company for my house.

I have never experienced such terrible customer service in my life. I have been calling and leaving voicemails with this company for almost a month now after filing a claim for water damage in my home and have not received a single call back. I have called my Examiner, his supervisor, the main phone number, and had my insurance agent contact them and still they have not contacted me once about my claim. This is the most unprofessional, unresponsive company I have ever dealt with.

I would recommend Homeowners Choice to my friends and family. My claim process was handled efficiently and smoothly.

We just went through a hurricane and had damage to our home.. the adjuster came out and saw the damage.. they closed the claim due to payout being less than deductible. Now we have no air conditioning, several broken trees and flood damage. They re not timely, never return your calls nor do they answer the phone.. this is a nightmare.

This home insurence is a fraud . Had a claim during hurricane Sally and only partial of my house fixed and have only received partial checks to fix stuff. Had received a partial check for the roof and had to cover the remaining just so we could stop water leaking into home . Now saying they aren't giving us 2nd check to cover rest of roof. Tarp was flopping around and sand bags falling off home but said they won't cover for it to be re-installed. If you are shopping for home insurence . I would not use these frauds.

Tremendous company from the top down, I have worked with them for several years and they are quick to respond and offer a comprehensive policy. I recommend you consider working with TypTap for coverage for your home.

Had a claim with Homeowners Choice and found them to be fair and responsive to my damage. Settlement was fast and fair. Thank you Homeowners Choice!!!

How come there are no negative stars? The Worst Company Ever!! I was forced to take them when citizens dropped me. February 16 2016 a tornado landed in my yard. Massive damage. Still fighting to get it paid. They offered me half. I need a new roof - some windows, shutters, etc - not to mention what they say they "don't cover" Been making things up so we filed suit. Just another delay tactic for them - supposed to come to a resolution - find out they sent someone who could not make a decision and didn't know anything about the suit. I've had a severly damaged roof for over 8 months. By the time they sent half - it was storm season and roofers couldn't do it. Then Mattthew hit. They had the nerve to tell me construction should have been started. STAY AWAY FROM THESE GUYS> They deny, deny, deny, stall, then offer you half hoping you'll give up.

Our agency has been working with Homeowners Choice for over 10 years and with their subsidiary TypTap since they opened a few years back. Their customer service is phenomenal and the prices are great. Our customers feedback to the claims process has always been positive. The marketing team is great and always willing to help. We are glad that we can offer them as an option to our clients.

These people are scammers.

I replaced my roof in 2018. Let me repeat: I replaced MY ENTIRE ROOF OUT OF MY POCKET IN 2018, and Hurricane Sally ripped this thing off in Hurricane Sally. These people do not contact you until the very last moment. As of today, of 12/5/2020 they wrote me that my damages were only $1800

These scammers are liars

I need an entire roof replacement at $17,000
New windows at $10,000
I need entire ceilings which I've yet to receive a quote on because I am trying to get my home at the BARE MINIMUM BEFORE CHRISTMAS
I lost all the flooring in one room, and sub floors. I have already paid $7,000 OUT OF MY OWN POCKET IN THE MIDDLE OF PANDEMIC and these scammers tell me I only received $1800 damages and my deductable is $3000 and they're not liable for squat?!

They already drafted my mortgage company for the 2021 year. These people are disgusting and horrible. Do not insure your home with these shills.

W3's relationship with Homeowners Choice began in 2008, when we became their independent agency partner. By 2016, we'd begun representing their sister company, TypTap. We appreciate both organizations' commitment to the Florida property market and are proud to represent them.

I would give no stars if I could. I have been dealing with this company since 2/15/19 with no resolve. The company does not care. My kitchen is still zipped up and still no air quality results. I have 3 kids breathing in who knows what. No one will respond to me. I have been treated awful. I would not recommend this company to my worse enemy.

STILL NO RESOLUTION! Horrible!

My updated review: NO STARS! THEY DROPPED US! Any BS about customer retention is not true. This is the worse company I have ever encountered!

As an Agent it is important that our clients needs are met as well as our own. Homeowners Choice has always been very responsive, professional and courteous. My clients are happy with the service and that makes me happy! Keep up the hard work Homeowners Choice / Typ Tap!

If I could give them zero stars I would. This is the most unprofessional company I ve ever dealt with in my life! I was transferred to this company from Anchor Insurance. The customer service reps are condescending and rude and in no way should be speaking to their clients the way they do. I m stuck with them until the fall and have already told my agent I do not want to renew my policy with them. I can t even imagine if I had to put in claim with them, what a nightmare it would be! I don t know who the owner of this company is, but you ve failed as a leader, it s disgraceful you have people who work for you who treat your clients so disrespectful! First time I can honestly say I can t wait to give another insurance company my money, but here we are!

This company operates from the stone ages. No website to make payments! Only form of payment is by check...

This company is quick to respond to questions and easy to work with. Definitely a good choice when looking for insurance.

I thought an Insurance company is supposed to help if there is damage done to a home caused by mother nature. I litterly made over 50 phone calls to this company. I had 60K damage done to my home from hurricane Erma. The first gave me a settlement chek of 9K. To say the least I was upset. After 8 months I finally received a check for an additional 36K. I had to fight like hell to get it!!! The time and effort this company put in to not give me a decient settlement would have saved them manpower money in the long run. I belive the management style made this happen. They need to make changes in there upper management!!!!!!

I have personally worked with Homeowners Choice and TypTap now for years. An Innovative company trying to navigate in a very hostile insurance market.

Great insurance carrier! Great customer service and rates!

I submitted a claim over a month ago and I haven t heard a single thing from this company despite multiple calls and emails. This company is a scam. I really tried to give them the benefit of the doubt, but after dozens of attempts to get in contact with Jennifer (my claims agent) and her supervisor with no response, I m resigned to the fact that this company is happy to ignore their paying customer s claims until they give up so they don t have to actually do their job. Avoid at all costs.

Our upstairs neighbor's kitchen and dining had two leaks above our dining and bedroom that caused $1,600 damage to our drywall. Progressive instructed me to send the report to the owner. My upper neighbor said he could not give it to them and I had to contact Homeowners choice with the damage report and cost 2 weeks ago. Today I received a letter stating that they will not repair the damages to our condo. I am now forced to contact the State of Florida insurance commission. This is unbelievable.

Good insurance company to work with from an independent agency perspective.

Easy to work with -- good customer service and home insurance rates.

Our company has been working with Homeowners Choice for years there system is easy to navigate and if I ever have any issues the customer service reps there are always very helpful.

Excellent company with good claims service and fair prices!

In the times of fake news we get a fake insurance company

Homeowners choice does not do right by its policy holders. They do not pay valid claims. They make you sue them to get the coverage you pay for. My experience, and it seems that of many others, is that they do not pay attention to their policy holders until you have sued them.Then they miss deadlines, use stall tactics and string along the process asking the judges for extensions to get you to settle. We had to sue them and live in our damaged home for a year with a leaking roof, and other property damages caused by Hurricane Irma. After settling with us for our claimed repairs, we had damage caused by the insured roofer we were paying to repair our roof. The roofer caused thousands of dollars in documented water damages to our home, which will be covered by their state mandated insurance and bond. It is a cut and dry case where they pay for the damages then recover those from the contractor's insurance. HCPI sent out a crew that later found asbestos in the damaged rooms. They have been up to their same games. We filed our claim over 90 days ago, and have been living with our 11 year old in a home that is severely water damaged. We are living with visible signs of mold from the soggy insulation still there within the walls and ceilings. We are living with asbestos which was confirmed by HCPI's water damage people, and an independent asbestos removal company, and contractor, and the asbestos removal people have been waiting over 30 days since submitting their scope of work to the company and walking through with the insurance adjuster. We have sent a demand letter and looks like we are going into litigation once again. Do not do business with this company, it's a scam.

Amazing company. They have one of top carriers TypTap as a sister company. Homeowners Choice is there when you need them and are easy to speak with. From the friendly customer service department to the talented underwriting department. Homeowners Choice and their sister TypTap are A1 companies.

Homeowners Choice with Douglas Levi and staff have been excellent to work with! I recommend their team for insurance coverage.

Great company to work with. Very professional and supportive. I have always been pleased wiht the service I receive from them. Highly recommend this company

Great carrier and easy to work with. During these difficult times nice to have a carrier that is understanding.

GET ANOTHER HOME OWNERS INSURANCE!!! If I could I would have given them 0 stars. Insurance rates are HUGE and they change policies without notifying. Anchor Insurance flipped me to them after going out of business, for no reason, and my premium went from 600 to 2,300 dollars. Dont pay the money! Look around!

This company is awesome. They're claims service has to be the best in the state and they're employees always get back to me in a timely manner.

Post Hurricane Irma-absolutely NO response to date-forced to hire other assistance

I was very pleased with my interaction with Homeowners' Choice Insurance and how efficiently my claim was handled. Debra, Nick, and Steve were all great to work with through the entire process, which took less than a month to complete, and each person was knowledgeable and courteous in our dealings. Frankly, I had never made a homeowner claim before on any property I've owned and their professionalism alleviated any concerns I may have had. Thank you, HCI.

Great experience. Easy to get policy. Saved hundreds!!!

It has been an absolute nightmare dealing with this company. We put in a claim for a leaking sink pipe and they were able to get an adjuster out within a few days. The adjuster approved half of what needed to be done. We have now been going back and forth with the company to get the entire portion approved and also we have to now have mold remediation. We can not get anyone on the phone, they don't return calls, they just ignore you. We have been without running water in our kitchen and our guest bathroom sink now for more than 1 month! Their customer service is non existent. Once we finally get through this claim process, we will be dropping them.

This carrier has been excellent to work with and timely with their responses. We are fortunate to have a carrier that accepted the older home we have.

0 STARS. THEY ARE CROOKS. LOOK HOW THEY GET THEIR CLIENTS, THEY ARE PREDATORS OF CITIZENS INS. WHEN YOU DO NOT RESPOND TO THEIR BLAST MAILINGS THEY GET YOU BY DEFAULT AND THEY SEND LETTER THAT REQUIRE A RESPONSE OR YOU GET SWITCHED. VERY EVIL AND WRONG. IT IS THE ONLY WAY THEY GET CLIENTS. THEY PRETTY MUCH SCAM THE HOMEOWNER TO GET THE MONEY. ONCE THEY TAKE YOU OFF THE RELIABLE DEPENDABLE CITIZENS WHO ARE 10'S, THEY CHARGE YOU MORE AND GIVE YOU GARBAGE. THEY ALSO RUIN YOUR CHANCES OF GOING BACK TO CITIZENS INS AS LONG AS YOU ARE IN THAT HOME. I AM GOING TO PEOPLES TRUST INS, WHO CHARGES LESS AND GIVES MORE PLUS THEY HAVE A RATING IN THE MID 4'S ON GOOGLE, NOT LESS THAN A ONE (AS MOST WOULD LEAVE ZERO STARS FOR THEM IF THEY COULD) FOR THIS GROUP OF CON-ARTIST. ALL POSITIVE REVIEWS ARE FROM HCPCIC, THERE ARE NO HAPPY ENDING WITH THESE PEOPLE. RUN, ON YOUR WAY TO CALL THE INSURANCE COMMISSIONERS OF FLORIDA SO THEY CAN BE CLOSED DOWN AND WE CAN ALL SUE THEM FOR THEIR PERSONAL WEALTH, WHICH THEY GOT WHEN THEY STOLE FROM FLORIDA RESIDENCES.

Homeowners choice has been a great asset to our clients and for my own home. I would recommend them to anyone.

Homeowners choice is a very reputable company. They are easy to work with and have great customer service.

Working with this company has been a breeze. Whenever I have a question or a concern I could always get a live person on the phone.
I have worked with MANY companies across the state and by far this company supersedes an other companies customer service by 1000%! From claims to billing to customer service I would recommend them to everyone I could. No company is perfect ... but homeowners Choice is pretty close!

Offered me a rate 30% lower than what I was paying. The customer service was quick and professional!

We started a claim and an adjuster came to inspect the property. The claim was not covered and then they cancelled my insurance based on photos the inspector made. Our home was going through a remodel at the time, with new impact resistant windows being installed and lots of upgrades. They cancelled based on photos stating disrepair. I think it's absurd to cancel a policy when improvements are being made. Based on looking at other reviews, I am glad to be leaving them.

Great company. They took over Anchor and helped bridge over all our clients that were otherwise going to cancelled when Anchor went under. They also have one of top carriers TypTap as a sister company. Great company that has been in the FL market for a long time!

If i could zero stars this place i would. I very rarely give a bad review but this place was more than deserving. A complete miscarriage of my claim from start to finish. My agent Stephanie was atrocious. Would never return calls, neither same day nor next day. Never. I was constantly given poor information that ultimately was handled in house after speaker with a different customer service agent. Then when im trying to get the checks sent out that are over a month late. They assure me both are sent. And what do you know? I only get one. And they tell me I have to wait days to even have the other sent. Both my agent and her supervisor were inept. If you need good help keep calling customer service. LUZ IN PARTICULAR WAS EXTREMELY HELPFUL.
AGAIN, I do not ordinarily give out bad reviews. But if you have home owners choice. BUYER BEWARE!

If they have to legitimately pay, they will drop you.

This company is a fraud....they cover nothing at all. They are also very insensitive to your damage or losses. When you speak to them they absolutely hesitate to answer your questions because they know how shady they really are. They supply nothing but codes and sections as answers. What crooks to be taking advantage of all Hurricane Irma victims. Do you know that Hurricanes do not produce wind or rain and therefore their Windstorm only policy is not responsible for any claims ? Shame on them!

Great company! I've been insured with them for many years. I also sell homeowners insurance and they are my go to with my clients. They handle claims better then any company I've seen before.

I had Anchor, which apparently lost its rating, and my policy was transferred over to this company. My premium with Anchor was $2873/yr. I just received my new policy from this company with the new premium - $4320. That's an increase of over 50% for the same coverage. For that kind of money, I can just to go State Farm, and after reading all these bad reviews, that's exactly what I plan to do.

I have worked with this carrier as an advisor for over 20 years. They are fair, honest and respectful.

I have worked with Homeowners Choice over 8 years and they have been a pleasure to work with and that includes there sister company TypTap. Their customer service is top notch. I would recommend this company to any of my clients, family, and friends.

Their company is the worst for homeowners. The person assigned to my claim never returns my calls or responds to my emails. My home has roof damage from Hurricane Sally, and this company has not given me the adequate pay out to replace my roof. They refuse to give the funds to replace my floors, walls and doors even though black mold was found in these areas. The company sent out a technician to check for black mold and it is documented that this all should be removed. I might as well have no insurance and not pay for it because basically that is what I have here. They should be closed down by the insurance commission. Perhaps if enough homeowners complain about them we can make it happen. Put them out of business.

I've never actually used this mans services before, but as a gas station attendant who has had interactions with this man I can tell you, hes a piece of work. Never once says hello, thank you, nothing. This may not seem as important as insurance but you have to consider that he drives around with his company plastered all over his emissions belching dually acting as unprofessional as a greenhorn on his first day.

I do not recommend this company to anyone. Please steer clear.

Had Hurricane damage this past fall and homeowners choice stepped up and sent me a check fairly quickly and I got the damage repaired and always well very happy with them.

Excellent customer service. Homeowners Choice and TypTap websites are easy to navigate making processing new policies a breeze.

Had to get an attorney due to leaving us hanging after Hurricane Irma. Still waiting 6 months later and still waiting. Hurricane
Season is around the corner and yet nothing still. Do your homework before you sign with an insurance company. Didn't even want to put one star.

The website said the office was open at 8am. I got there at 9am and dude told me it was closed. What a waste of time!

I understand there might be higher than normal call volumes these days, but being on hold for more than an hour after being transferred to the receptionist is absolutely unacceptable.

Buyers beware... when compared to my other neighbors with larger homes built around the same time, my premium was way higher. This company had the most outrageous premiums. Do your homework and you'll find a better company with a much lower price.

My experience with HCPCI has been outrageous. It's been over a year & my home is still not complete.
Make sure the company that does your property contents loss includes everything that is damaged the first time. I'm grateful I had insurance because if not... I'd have nothing.
If I could do it all over again...
I would hire an attorney immediately because my adjuster was very difficult to reason with.
We went to mediation, The state mediator Cynthia said in her 20 years of doing this, she's never had such a disrespectful person representing a homeowners insurance company. At mediation I had itemized over 22k in losses but ended up settling for about half because I was pressured into it.
I am now in the situation where my house is incomplete and I've ran out of money to finish my home.
My own opinion is that in any claim with them, hire a good attorney & don't sign any settlement documents.
I've been paying over 1k a year for 16 years & this is my 1st ever claim.
This past years been the hardest year of my life because I have to argue with my own insurance company & I'm out of $$$ because it taken a year to completely rebuild a home, the fact that hurricane Mathew made a direct hit 20 miles from me has nothing do do with the delay... lol.
Just such a disappointment all around.
If they correct the issue, I'll make a review & repost.

I rarely do reviews on anybody. But this Insurance Company is horrible. I submitted a claim on 6-14-2020. All kind of inspectors and structural engineers had inspected my house since then. They all agreed that my 15 years old shingles needs to be replaced. I have tons of leaks and water damage. I have called and left messages with no answer. Its been over 3 months and no responses to my voicemail. I called 2 times a week and no answer yet. 3 tarps and no updates. Horrible Company

Thank you very much to All who has placed reviews about this company.
I have currently Citizens insurance but My agent advise me to look into this company and if I want to switch because I m going to pay less but after I read ALL THE BAD REVIEW I rather stick to Citizens even though I pay more but at least it is more reliable than this one. THANK YOU SO MUCH TO ALL.

I DO NOT RECOMMEND. I had a choice to stay with Citizens or go with Home Owners Choice seamlessly and thought that not having to shop around would be good but also was confident that I would not pay more with them. I had been thrown in to Citizens when I bought my house because none of the Insurance companies in Florida would take on anymore customers. I have a house that it high and dry, never a claim and always paid on time.

Unfortunately Home Owners Choice is not my choice anymore.
I wish I could reverse and go back to Citizens. Home Owners Choice is taking advantage of people like me by charging us over 500.00 more a year.

Now if I want to go somewhere else I also have the cost of an inspection because my house was built in 1970. Its a block home on an old orchard its not like its falling apart!!!

Took about a month to get an adjuster here after Irma; I understand that there are lots of claims. Adjusters were not professional in any way. Weeks later the company called me to see if adjusters had been here. Weeks later they were still trying to obtain the report from the "adjusters". Phone calls are answered, transfers are made and voice mail ensues without any return phone call.
I'll be going to the Florida State Insurance Department soon if this continues.

We have had them since 2009 when we purchased our home. We did have a claim and were not very happy with the final result. We are currently getting quotes from other companies in the area.

Greatly appreciate the staff in customer service and underwriting. They are true professionals!

I've done business with Homeowners Choice for over 10 years. They've always been very reliable.

Called in and asked for the address to mail in my payment...I lost the return envelope. They said they would email me the address...they never did. Your useless company needs to go away...please just go away

The drain in my kitchen sink broke and caused damage to many of the cabinets. Homeowners Choice did to the right thing to fix my kitchen and restore it to the way it was prior to the damage.

I own a local roofing and one client filed a wind claim with HCPI, neither the homeowner nor my company has been able to get in contact with them to address the homeowners claims. its been 45 days since they inspected the property without anyone calling them to update them on the claim.