Horrible Horrible. Had one of there adjusters come out and inspect my roof and put latter on roof and messed up a portion of my gutters and said he would write that in the proposal and replace the gutters. Guess what! That didnt happen.
Apparently we had a completely different experience than some of the earlier reviewers. Chris Stephens was outstanding. He investigated and had corrected an important policy endorsement that was apparently not showing up which enabled full benefits to be accessed. Chris answered our many many questions promptly and with a positive and helpful attitude. He always followed up just as he said and promised. He reached out to the underlying firm responsible for administering the claim and made sure that accurate benefit amounts were being approved - or, at least, it felt that way and that was the result. Chris was also very helpful with the Fortified Roof program and working through the issues involved and getting the funds released. Chris was very knowledgeable but if he didn't know an answer to a question he said so and found the answer and reported back. In sum, we had an outstanding experience working with Chris and appreciated his help.
They are taking advantage of black people in small town areas. They didn't inform my grandmother (whom was in her 70s at the time nor my mother, that they had no water damage coverage and more which they had in thier previous policy. They did not explain any of the coverages that was removed. This company is a fraud and total waste of money.
Tasha and Cindy were extremely helpful and prompt in assisting new home buyer with process. Forms requested and received very quickly, thank you!
Horrible Organization. The adjuster, K. Scott, provided little to no help or assistance. Beware!
Cancelled my policy without sending any notice while I was deployed to the middle east.
Whoever the lady is that answers the phone is sooooo rude! Dont expect to be confused and ask for clarification because you'll just recieve a very snotty response and treated like in idiot. I had to call her because of my job and even with being super nice to her she has in attitude! This is the second time! Not cool at and very disrespectful. She really needs to be taught how to give better customer service because obviously she doesn't know how to be kind.
About 4 years ago a tree sideswiped our house. They were very fair in the amount given to replace and remodel the damage. It's amazing to me how one person can have such a professional and reliable experience. And the next person says the same company is worthless. Hhhmmmm,,,, maybe there's more to it than that? I don't know. Mikey Out Oooohhhh Yeah!!!!!!!
I have had nothing but great service from NCJUA... both for many years there great service and I would say that top claims service with a claims after storms. Great coverage for us on the coast!
I have a open claim from a water damage that has me out of my house while repairs are done. NCJUA employees laugh at me when I call in and will not simply spell there names for my records. I have to have things spelled for me for personal reasons. The last claims deptartmment representative told me they didn t have a Human Resources dept when I asked to speak to them. They will try to embarrass you! They told me I was avoiding giving them information. I send in the documents they ask for and every time I call back they want different documentation??
North Carolina Joint Underwriting Association (NCJUA) and North Carolina Insurance Underwriting Association (NCIUA) are two separate entities that work together to provide insurance coverage to those who may have difficulty obtaining it through traditional means. These associations were created by the state of North Carolina in response to a need for insurance coverage for high-risk individuals and properties.
The NCJUA was established in 1969 as a non-profit organization that provides essential property insurance coverage to those who cannot obtain it through the voluntary market. The NCJUA offers policies for residential, commercial, and industrial properties, as well as wind-only policies. The association is governed by a board of directors appointed by the Commissioner of Insurance.
The NCIUA was created in 1979 with the purpose of providing liability insurance coverage to those who are unable to obtain it through traditional means. The NCIUA offers policies for commercial general liability, excess liability, automobile liability, and public officials' liability. Like the NCJUA, the NCIUA is governed by a board of directors appointed by the Commissioner of Insurance.
Both associations operate under similar guidelines and principles. They are not-for-profit organizations that exist solely to provide insurance coverage where it may not otherwise be available. They do not compete with private insurers but rather act as an insurer of last resort.
One unique aspect of these associations is their ability to assess policyholders within their respective markets if necessary. This assessment is used only when there are insufficient funds available from premiums collected from policyholders within each association's market area.
The NCJUA and NCIUA have been successful in providing essential insurance coverage throughout North Carolina since their inception over 50 years ago. They have helped countless individuals and businesses obtain necessary insurance protection when they would otherwise be left without any options.
In addition to providing essential property and liability insurance coverage, both associations also offer various resources for policyholders such as risk management services, loss control programs, claims handling assistance, and more.
Overall, the North Carolina Joint Underwriting Association - North Carolina Insurance Underwriting Association plays an important role in ensuring that all residents have access to necessary insurance protection regardless of their risk level or circumstances. Their commitment towards serving high-risk individuals has made them an integral part of North Carolina's overall economic stability while also helping protect its citizens from financial ruin due to unforeseen events or accidents.
In conclusion,
If you're looking for reliable property or liability insurances but can't find one due your high-risk status then you should definitely consider contacting either one or both organizations mentioned above because they will help you get insured even if no other company will take on your risk profile!
ncjua-nciua.org
