0 comments
Not resolved

I took out a homeowner's and auto policy to be effective April 4, 2016. Ameriprise took information by phone as do other companies and submitted a quote. The price was good, but within a week I had to complete paper forms that simply confirmed the verbal information by phone. A few weeks later an inspector who was independently contracted by CIS, their underwriters, called to make an appointment for exterior and interior inspections. I was told that this was necessary since the coverage was above a certain threshold specified by the insurer. I was contacted on a Friday afternoon and given an option of three days within a seven-day time frame for the inspection. Since I had prior commitments for those days, I suggested an inspection the following week, he retorted that the inspection MUST be done earlier. I then suggested that he do the exterior inspection and measurements when he was in the area and the interior inspection at a later date when I would be home. This suggestion was, likewise, rejected. In essence, Ameriprise wants inspections, but does not offer flexibility in scheduling. So if a homeowner is out of town or hospitalized, or has some other obligation that cannot be changed in an instant, Ameriprise is ever so eager to issue a letter cancelling coverage -- after they have collected an entire year's premium. One would think that a company would not cancel after one month of committing to insure and after only one attempt to schedule an inspection and that appointments could be made within perhaps a 30-day time frame. No one wants to cancel or return early from a cruise or leave the hospital after open-heart surgery to give an inspector a house tour. If Ameriprise wants to continue in business, it must consider the needs, schedules, and concerns of its clients.

Furthermore, inspections are done by independent contractors of a third party company, not employees of the underwriting company or Ameriprise. Needless to say, these contractors have no special building credentials or academic training, and neither CIS nor Ameriprise have any control over them. They are paid by the job. Thus, clients are expected to invite complete strangers into their home who are only, at best, loosely connected to the insurer. These strangers then expect to photo every detail of the home and literally can do anything with these pictures that they choose. When asked what types of things were photographed, one of the three things specified was a safe if the client had one. This, of course, would make any homeowner uncomfortable. It's really scary that Ameriprise condones sending in any Joe off the street to photograph art, safes and security systems in high-end homes. It seems relatively easy to get an assignment since CIS has its Registration form accessible for anyone to fill out on-line.

If Ameriprise wants pictures to verify and estimate re-construction costs, it should send its own employees or allow homeowners to submit pictures of all rooms or items from a checklist. At the very least, since homeowners are contacted by independent contractors seeking appointments as opposed to an Ameriprise agent, there should be ample time allotted to verify whether or not the person calling is a legitimate vendor of CIS services. Policies should be drafted that insure the safety and well-being of clients and their property.

Review about: Homeowners Insurance.

I didn't like: Lack of commitment to client, Customer service totally unacceptable, Failure to deliver promised product, Want to cancel after premiums paid, Poor inspection policies.

Review #846965 is a subjective opinion of a user.

1.0
Exchange, Refund and Cancellation Policy
Insurance Plans Acceptance
Website
Value for money
Price Affordability
Product or Service Quality
Billing Practices
Diversity of Products or Services
Customer service
Staff
Discounts and Special Offers
Reliability
Additional Fees
Reason of Review / Monetary Loss Poor customer service / Not specified
Preferred solution Deliver product or service ordered

Had an Experience with Ameriprise Insurance?

Submit review

Comments

Comment as anonymous or
Terms of Service
Post Comment
Cancel
Be first to start a discussion.

You May Also Like

"I too worked at American Income Life. Fortunately for only a few months in early 2016 - the longest few months and the least rewarding - both financially and emotionally...." Read more
"I purchased Ameriprise auto insurance with Costco. Ameriprise is one of the worst auto insurers. I was involved in an accident that a video camera recorded. The owner of the van..." Read more
"My husband of 56 years and I immigrated to the U.S. from the Philippines to live with my daughter and family, and I became an American citizen soon after. ..." Read more
"US Hole in One is an Internet scam claiming outrageous services and products YET works out of an Abandoned building. Since google Maps has serviced US HOLE in ONE can..." Read more
"I order a light pink dress and received a peach one instead.I tried returning it and shipping cost to China was $37.70..." Read more
"Had Conrad's on Lorain Ave replace my tires 3 weeks ago. Took it back a week later due to excessive vibration when driving. They said they could find no problems..." Read more
"Oakland, CA- As a licensed PI and ex-cop, I often play the role of Public Advocate for those not equipped to fend for themselves. That being said, I called Katie..." Read more
"It is my first time buying an item here in DHGATE and that item is a pair of shoes and I was surprised at what I have received, the reviews..." Read more