People's Trust Insurance Company Review

I had a sewage back up in my home in January 2017 and have been working with the rapid response team since. The dry out team was the first to respond and they were very quick and professional. After the dry out it has been a very long process. I was told that I needed to find out what "caused" the sewage back up before the inside would be able to be repaired. I was told that I could use my own plumber or I could use one of theirs; since I already used my plumber to snake out the pipe and already owed him for that, I decided to continue with my plumber. I was told that the insurance company would cover the "access" to the sewer pipe but I would be responsible for the material and the repair. I guess I understood that concept but when I submitted the bill, I received a call that they would only cover the "access" to the sewer pipe if they had to dig down through the slab from inside my house to the sewer pipe...THE PIPE IS OUT IN THE FRONT YARD! It has been a nightmare with all of the cost being placed on me. I received a plumbing bill for $2700 and they won't pay any of it.
It was suggested that now would be a good time to upgrade if I was considering it because they would need to replace all of my flooring and baseboards as well as some of the drywall in every room as well as paint except the master bed/bath on the opposite side of the house. Since I changed from Laminate to tile, I ended up paying over $3000 to the store for the tile and grout and an extra charge for the installation. I couldn't believe I was looking a bill for over $8000. I told them to take off the painting and I would paint myself because it was going to cost over $3000 for them to paint. Bottom line is that they over charge for everything so that you end up paying. I think the insurance companies that come out to access the damage, send you a check to get your own contractors for the repairs is the better deal. Less chance of being ripped off.

Everyone was very helpful my application was a breeze my agent was very informative as to what's covered an d what's not rates are great really

They deserve less then this, this is the worst company ever!!!! I bought a vacation home in Florida and the Wilcox Agency I went through which is another company to stay away from underwrote with this horrific company. This disgusting company wrote the policy wrong, and then used the wrong address to send any information to, they were sending all info to the Florida address which they have it as my primary residence which they new was not correct, and then decided to cancel 3 days before hurricane Irma. I would of never know if it wasn't for my aunt having her friend drive by to check on the house and grab any mail. She read it and sent it to me immediately but it took 9 days to get to me. I tried calling them and having them fix the policy begging them not to cancel the paid in full policy right before Irma but they could care less, they said I could insure it again 45 days after they canceled, well I if my house is damaged I will damage them, they left me with no insurance no one will write a policy now, I am devastated my entire life savings could be washed or blown away and they could care less.

Have not needed to report damage or file a claim. Much appreciate their informative communications and awareness of current conditions.
Thank you,
Bill

Very professional, respectful, knowledgeable team. Interaction / followthrou on action items discussed was Very timely and well organized. Overall, very pleased with my experience.

So I just got an ad in the mail and went online to see the reviews. The ones where a claim has not been made were all excellent. Then I looked at the ones where a substantial claim was made and found that not only did People's Trust not provide the reimbursement BUT they also sent a "canned" response to each person that seems totally opposite to their theme of great customer service. In any case, I won't be using this company based on the reviews. I may be paying more (I am not sure) but at least I won't be disappointed if I ever have a claim. DO NOT send me your "canned" response!

Although I have not had to file a claim with People's Trust Insurance, I have been satisfied with the service, inspections and price.

Just recently changed insurance provider to People's Trust, and I couldn't be happier. My rates with my previous provider were through the roof. Ruben walked me through my coverage comparing apples to apples. It's just a shame I did change over sooner!

They are a great insurance company until you actually have to file a claim. Once something goes wrong they won't Help you.

VERY DISAPPOINTING. THEY CLOSE MY POLICY WITH NO REASON. NOT PROFESSIONALS AT ALL

They have been very prompt with getting back to me with phone calls and are concerned with troubled area ! Super nice and easy to deal with . I definately will recommend ..

To peoples trust insurance

You've been the best insurance anyone could have . I had you before along time ago and you left fl. When you came back and was notified I jumped the chance. I sold my house and recomended you, and they where insured by peoples trust,do your best for 4015 se 15 street, Ocala fl. Thank you. Leaving for Canada so will call when I get back,

Best regards. Nicole abbott

Was a very good experience and informative as I was not really understanding alot about homeowners insurance..they explained everything to my understanding, some things twice...i give them an excellent rating..
Susanne Vogel

Was referred to Peoples Trust by Insurance Broker. Have had no claims but premium escalates considerably each year. In fact just got notice of increase of $1200. on a $2800. Homeowners policy. Retired, disabled. Going to have to make changes. Questioned broker, no answers but " everything's going up". Might be time to letter the Insurance Commissioner.

I have been with PTI for 4 years now and only 1 claim with no issues. The Rapid Response team were prompt and courteous. Surprised to see such a low rating but I guess everyones experience is different. I also received a credit with no hassle for my Impact Windows... Thanks!

I absolutely hate insurance companies, and I am pained when dealing with them, so I am happy to report Peoples's has it's Customer Service program in high gear.
I just called in to make a payment, and my Customer Service Rep, Christine Williams-Tenn took great care of me, was friendly, efficient, and easy to talk with. She wanted to make sure we were getting all our discounts, and I really appreciate it. Made my day! So unlike an insurance company!
Thanks again Christine and People's Trust.

You not only save me $1,900 on my homeowner's insurance but also brought my mortgage down I really appreciate it

Terrible customer service, took 2 months from initial claim to find out that I wouldn t be covered for home damage, adjuster made every effort to find ways to not get coverage. Anytime you tried to get ahold of desk adjuster they never seemed to be there

I love working for this insurance company!! Best I have ever worked for in my 30 years in the industry! They train & educate you and appreciate your contribution to the team!

I had a house insurance quotation from People Trust $2015, after inspection they forwarded to my mortgage company $2696 and NEVER informed me, I found out after a year that I was paying this additional when they tried to raise even more to $3476.
Not enough, People's Trust confirmed that they NEVER notified the real price, and answered:
"I certainly understand your position and apologize"
That's it.
Now I pay $2000 with a way better conditions.

I just got the same thing a florida state inspector says my roof is up to code and fine people trust wrote the policy and now 2 months later these Idiots send me a letter in the mail that i need a complete roof replacement "fishy". How in the hell do you write a policy for my home saying everything ok and then tell someone 2 months later it doesn't meet your standard stupid stupid stupid!! I'm not made of money i spend my savings to buy my first home and now these crooks want to try to plow more out of me. People Trust more like People sham!!

Hey, people DON'T trust "People Trust"!
I have more than 12 years as customer of this people. I gave them 3 different houses to be my insurance company. They are so sweet when they want you to sign or renew, how ever, Last year, 2017, hurracaibe Irma damaged my house. Finishing March 2018 I'm still waiting without NO (any) information, for my claim. They know how to delay every step, especially with theirs adjuster, who barely answer phones, horrible communication and when finally answer, he use to be absent the day of his appointment. On that way they don't have to pay on a reasonable time, even worst! they do nothing to help you once you need them. I am afraid to face the next hurricane season, wich it is about 3 month from now with my roof damage!!! I will never ever trust "People Trust". I would like to give negative -10 but the system doesn't provide me.
Updated
December 31 2018 The new 2019 its right there in couple of hours.
People Trust haven't pay my claim. "Our lawyer" said to me that they (People's Trust) do take care of us, but its a matter of time...
We are going to the 2nd year...
I'm wondering if they had a lunch together?

Awful company to work with. On November 27th my house had a sewage flood. What happened is the drain pipe clogged going out of the house and while doing laundry we did not notice that the dirty water was going right up through the drain in my bathroom. It flooded my master bath, hall bath, master bedroom, and the kitchen. Unfortunately this loosened the seal on the toilet which continued to run for 24 hours before it was discovered by the remediation people. This secondary issue caused the entire house to flood damaging the bottom few feet of drywall, the flooring, the cabinets ect... At first they seemed great but once my claim was in it took me 4 months to get the money for my claim. They had me sign the paperwork 3 months in but never cut the check so I could get back into my house so I lost out on a month of non use. I also had to rent a pod and boxes to move everything out of my house while it was getting worked on, apparently the pod isn't covered ether. Someone please tell me the point of insurance if they do not protect me. The only reason that this company got one star is because I had to put it on to review them. I will never recommend this company.

so far all our dealings have been great, no complaints.

The post Hurricane Irma claims process has been unbelievably slow and infuriating. Every turn has led to more delays. I ve had 5 people come to the house and all they ve done is take pictures.

There s been no communication, no letters, no explanations of benefits. They ve provided no timeline as to when the repairs will start. Truly a nightmare. The discounted annual premiums are not worth the hassle when you have to file a claim.

I can t wait to put this behind me so I can switch to a company without managed repair. Save yourself the hassle and look for another insurance provider.

I did recommend you because of the wonderful service I received and the fabulous rates and my friend is now using People's Trust for her home and four rental properties!

UPDATE!! Hello I want to thank Rob M and People's Trust Insurance for correcting a mistake on their part. I really appreciate Rob's help with this matter, I felt like I was a priority. I am so thankful and will be staying with People's Trust for my homeowners insurance. Thank you Rob for your dedication. He was really polite.

First, they send us a letter of nonrenewal out of the blue - strike one. Second, it took them weeks to even get a field adjuster out to my property to even assess the damage Hurricane Irma caused - strike 2. Finally, they refused to accept blame for when their desk adjuster gave me instructions to remove a tree and then tell me that it wasn't part of the claim. Now I'm out $2400 and they tried to renew my policy against my better wishes - strike 3. You people are out.

Peoples trust saves us a lot of money, they also have great customer service

Not quite so happy with their service and the time it takes to process their claims. They did cover my interior damages but refused to cover the external damages of the dwelling. Cause of loss is apparently not covered, only loss. For as much as I pay I expected better service and treatment. I pay over 5k a year for coverage, by no means cheap. Totally disappointed to the point I'm thinking of changing companies.

Update: So after paying over 25k for 5 years. We file one claim for 9k and then they dropped us. This has to be the worst insurer in florida. If I could give them 0 stars I would.

This company came and inspected my home less than 30 days after home purchase and cancelled the policy. I was completing renovations that were NOT exterior or structural, and moving stuff in as i was still not moved into the house(but at the house daily). Inspector nor the company verified when i moved in, which was 20 days after home purchase. The company failed to notify me by mail, phone, or electronically that they cancelled my policy, and did not even attempt to reach out to avoid this cancellation and keep a paying customer.

Their website is flawed in the ability to digitally look at documents posted on there as well.

Overall poor experience and customer service.

DO NOT USE.

Beware.. This is the most unprofessional company ever! They set up an inspection in my property that I had to reschedule because a work related trip. The person in charge to reschedule gave me an appointment a month and a half later because "they schedule is very busy" . After that month and a half, the inspection guy came, and 2 days after, I received a check saying that my policy was cancelled. No communication whatsoever between departments. How are you going to do an inspection and 2 days after cancel the policy???? It is a shame that you cannot put 0 stars on this company. That is what they deserve. I cannot imagine how they can be resolving a claim. STAY AWAY!!!

The team member I spoke with followed through with my request while staying on the phone with me to confirm the fax was completed and everything was sent to my mortgage company. She was also very reassuring. I appreciated her so much.

They told me to get a new roof. I did. Sent ALL the documentation they requested. NO ONE REVIEWED IT. They cancelled me. I reported them to the state insurance commissioner . If you can't trust them to do what they need to do when you DON'T need them, do you think you can trust them when you NEED them?

Good policy options, friendly representatives and competitive pricing.

Ron with RRT - rapid response team is the man! Very knowledgeable and made sure my roof was built to right. I was very upset when PPT insurance engine their right to a preferred contractor until I realized the roofing company they were using was rated higher than the company I was trying to use. Always followed up and roof was installed in less than a day. They still have some work to do but I feel confident it will be done right and inspected for good quality. By the way, they didn t drop me from my insurance plan after I filled a claim (fingers crossed)

We had water damage at our home the end of April. People's trust sent rapid response out the next morning! They were very efficient, respectful and understanding. My family needed to stay in a hotel for 2 weeks while mold was being taken care of....
We received our expense check the day after we sent the receipts to the adjuster The next day!!!! The whole rapid response team was amazing. They were hard working and trust worthy. I would recommend people's trust a thousand times over. Going through an experience like this was hard. But People's trust made me so very grateful during this difficult time. Thank you people's trust. Now I see how you got your name.

So yeah they may have good customer service. But the insurance itself is a SCAM!!They stopped covering for any kind of damage that involves the word water . I knew they didn t cover water damage but I thought it would be fine because I could pay for new floors out of pocket if I save money on the premium.
I just realized that people s trust refuses to cover damaged pipes!!! Because it s related to water damage .
What kind of scam insurance refuses to pay for busted pipes?? That is #1 problem for homes. Pipes on most homes are old and they need to be changed at some point. I bet people s trust will refuse to pay water damage for storms and hurricanes.
I do not trust them anymore.
I ve had this insurance for years and I probably have to pay over $15,000 for my first claim.
Save yourself major headaches and go with a different insurance that covers water damage. This is Florida and you will need that coverage.

My experience prior to making a claim was positive because it was the least expensive option, after making a claim I can say it was also the best value. Their service was attentive, fast, simple, and the outcome in my favor with no fear of reprisals.

This company is terrible. The left hand doesn't know what the right hand is doing. They let my policy lapse because they said they did not have paperwork that I sent them and would not renew without it. After they finally acknowledged that they had it all along, they then sent me a new bill that went up by thousands sending me in a scramble to find new insurance. I would never use this company again.

Friendly good insurance. Easy to get and affordable!

I first want to thank the staff at People's Trust and commending them on an amazing job this past hurricane season. I am an agent that represents many companies and we have been so pleased with People's Trust and how they handled and paid claims during the hurricane. People's Trust always gets a bad rap for things that have happened in the past but we are proud to represent them and for the way they handled claims especially during Irma.

I have four policies with them I was initially impressed with the rates. I used to receive great customer service. My wife passed away and two properties were in her name. they decided to cancel my policies even though I provided tons of court documentation that I was executer on her behalf. One customer service rep even blurted out "we don't insure dead people" , very insinsitive. I asked for several weeks to speak with a manager and same apologetic customer service rep calls me back with the same story. Very unprofessional. I will be seeking another insurance company.

People's Trust Insurance was very understanding when there were delays with receiving the annual premium payment. They helped me obtain homeowners insurance after I had been cancelled by 2 other companies due to wiring. I would recommend looking into People's Trust as your agency.

Thank you for dropping me! God forbid when I need to claim you would help. I had some real issues with your service and recommend anyone to stay clear. Thankfully my homeowner insurance agent help me recover. Never got my claim in and you have the nerve to drop me.

Piece of shi* company.
Piece of shi* costumer service.
Piece of shi* all around.
If I could give zero stars I would ve.
Just know that s any policy that states Preferred Contractor Indorsement get out while you can.
With these people it s like not having home insurance at all. We pay our bills monthly, never late on payments. Never had an issue until we needed them. Please avoid these scum bags and save your money!

I wouldn't trust PEOPLE'S TRUST INSURANCE because you never know where they get their data information since I received a letter with a Rapid Response Team card with my deceased spouses name. Spouse has been deceased for 17 years and it is now Oct. 2017 and I received this in his name. Even if they checked Property list, his name was off 6 months after he passed. So where do they get their data? Who sends old data?
Since People's Trust Insurance doesn't check why would you want to have them for insurance on your home?

I am still waiting for the reimbursement of my premium. I purchased an insurance back in November of 2019 but cancelled it before it went into effect as the house purchase did not materialize.
I have not received a refund or an answer to an email .

The man was quick to take my money but when it comes to returning my money, it does not seem they are in a hurry.
I need my premium fully reimbursed in a timely manner, however it might end up with my attorney intervening.

I've been with People Trust for the past two years. They are realistic, helpful, pleasant, courteous and would help select the right coverage for your home.

Customer service sucks and don't bother calling if you have backed up drain and water damage.

Just the worst. Still haven't resolved our modest Hurricane Irma claim more than a year after filing. Deny, delay and defend is the name of the game with these people. Do business with PTI at your own risk.

UPDATE: We settled our claim with PTI for an acceptable amount two months after posting this review. I didn't follow the instructions in the canned response to my review. For the record, it took more than a year to come to a fair resolution via numerous phone calls, emails and one attempt at legal intervention.

Even though I didn't have to make a claim, People's Trust was ready prior to the storm asking what could they do to help.

I had been without insurance for over a year. This company insuranced my home before hurricane season and gave a me a great price.

Very happy with product and service from People's Trust. Thank God we have had no claims but feel confident they would be there for us if we did.

Linda in costumer service was extremely helpful. Addressed my needs without farming me out to a million different people. Plus, took care of another issue without transferring me. Very professional, timely, and I had what I needed almost immediately without waiting days. Glad I am with this company.

Worst insurance company ever, been 2 months still no check... Supposed to be sent 4 different times. Still nothing .. They quick to take your money, but won't want to pay up when there suppose to. I'll be contacting the insurance commission board and I would advise u do also. This company should not be in bussiness!

Very unprofessional; did not do their job. Calling them was excruciating. I will never do business with People's Trust

Very helpful people.good rates copare to other companies.recommendid.

They will sue you at a drop of a hat, and undercut coverage.

People's Trust Insurance is an awesome company. I have been with them for five years. They have done right by me. I am a retired naval officer and highly recommend this company. The only hiccup with the is that I was trying for two days to get a CLUE report and all they kept on trying to give me was a LOSS RUN report. Finally at the end of the second day Icalled them again asking for a CLUE report but this time a young lady by the name of Crstal Josey who was very proffessional and knew what she was doing took care of me. Her customer skills were on point. Finally after two days i had what i needed. PTI you need to have her train other reps.

We have had positive experience for the last 4 years with Peoples Trust. Lower rates than before with State Farm, good service, and positive claim experience involving water damage.

Company does not care about does not relize they are messing with peoples lives cant get any help from no one been try to speak with some for months regarding a claim they dont return calls they have wrong info in my claim no one can help and they dont care that i renew next month as if they dont care

Horrible company. Rate hikes are terrible! I have been a customer for years but NO MORE. Sent inspector whom made a FALSE statement!!! Have never been treated so poorly. Thank God I have never had to make a claim with this horrible company! Plus I found a company that is WAY cheaper! RIP OFF!

The process for getting insurance was simple. I got exactly what I wanted

Had a water leak a month ago,within a day water suction machines where place over the weekend which cost 2000+ dollars which was looted out my policy, mined you i have a small 900 sq foot house and the machines drove me,my wife and 10 year old daughter crazy.This problem started on the 4th of the month and today is the 26th and i'm still awaiting my check to fix the damages, it has been so bad that i have started paying for repairs out of my own pocket which i really don't have in these trying times. I have been on the phone with heather from peoples trust who told me a week and a half ago that the check was being mailed asap,now she's saying that i can expect the check next week ? She has also told me and my wife various times that our leak and damages wasn't that bad which is not her job to do so .The extremely poor service have left me and my family in a wreck. I will be changing my home insurance policy asap.

Do not trust these people we called them when hurricane Irma came through they told us we had to fix it over self's and drop us

People's Trust has been a great experience, thus far. We've been using them for Honeowner's Insurance for the past 2 years. We've never made a claim, so I can't comment on that aspect of service, but overall customer service has continuously been stellar.

Great Insurance company you give great service with a great rate

The past ten years most of my home owners insurance was with People's sold my home and now in a rental but soon my new home will be finished and I will contact People's. Mr Keegan

BEWARE of this insurance company !!! Do not walk, rather RUN away from any enticing rate you will get to insure you home because the policy is useless. I won t bore you with all the details of my case but in short, AFTER I had a flood in my home, the claim was denied for over 3 weeks causing mold to grow uninhibited IN SPITE of the fact that I paid for emergency clean up services in the event I had a claim. Making things worse, this is NOT insurance but more of a discount club-you are NOT allowed to use your own contractor, you must use Rapid Response Team to fix your home-a wholly owned entity of.....you guessed it....Peoples Trust !! If this was not bad enough folks, do yourself a favor and Google the rapid response team, the reviews will shock you to say the least. Do yourself one more favor and pay a few dollars more with some of the bigger companies, otherwise, good luck sleeping worrying over your home.

This insurance company still has not paid me what is owed from the hurricane two years ago. I had to hire Public Adjuster and Attorney and still nothing. They agreed to pay something after waiting for so long and after they signed a settlement they don t give you the check

They will have you jump through hoops and then pull the rug out from underneath you.

If only I could give this company less stars I would. I complied to all of their demands necessary for coverage and gave them the reciepts needed to show limbs were trimmed by professional arborist. They agreed to reinstate coverage as long as a no loss statement was signed. I had a death in the family and while I was out of town I informed them of my extenuating circumstances. When i came home a week later they declined my policy on the basis of too much time had elapsed without a"no loss statement".

New and fresh approach. All insurance should be done this way.

FINALLY a way to limit fraud, and could lower cost.

Company that give you a discount for not accept public adjuster. And when you get a problem, their own adjusters calculate the damage below your deductibles. So, you have to pay for everything. I talked to the adjuster only one time, at the beginning of the claim. After that, every time I called him, he never was available, and never answer my calls and messages. Somebody else hace me the answer to the claim.

After the Hurricane Irma, we call for peoples trust for water leaks on my roof. we never had a positive response to solve the damage.the estimator of them did not see the broken tiles and the leaks in my home.

Happy over the last year. Have not had any claims, but feel very secure with having the company's repair and restoration side of the business ready when I need them.