I have a full coverage Renters policy through Assurant. Frozen Pipe burst in building; water damage throughout entire apartment in Dec 2022. It is now 8 months later and I've dealt with 5 different adjusters, provided hundreds of photos and videos, had a site visit, sent 50+ receipts, spent hours on the phone, etc.

1st adjustor never called me back.

Second adjuster made an estimate of losses over 50k usd, and requested a site visit.

After site visit (by another adjuster - adjustor 3), I was reassigned again (adjustor 4).

Adjustor 4 (Stephanie Walker) never called me back or tried to make any contact with me. She put together a lowball settlement (9k) and had it approved by her supervisor by end of March 2023. Upon learning of this, I finally got a hold of her and she said that there's nothing she can do, that I had to deal with supervisor to fix this. I spoke to supervisor (Jose Rodriguez) and he apologized for mishandling of my claim and said I should send in receipts for all items to dispute the fourth adjusters erroneous estimates and lowball offer.

Sent in 50+ receipts over next few weeks. Guess what? Adjustor reassigned again - Adjustor 5.

In April 2023, Adjustor 5, Mary Wester from Merkel, Texas, contacted me to say they were going to be gone 'for training' and that my claim file is 'so big and confusing.' I then spent the next 3.5 months trying to work with this adjustor. Chased her down to get answers, she had no idea how to deal with a 'file so big' and a claim that was 'a big chunk of change.' She kept me on the phone for hours at a time going through every single receipt and photo and often resending the same documents to her. She repeatedly asked me about how a rug could cost 5000 usd and a table could cost 1900 usd. She said she didn't know about such 'fancy things' and kept using loaded, microaggressive terms like 'extravagant' and 'fancy' and 'huge chunk of change for something like that.' She went as far as saying how someone 'like me could afford stuff like that.'

After waiting for weeks for some sort of response from adjuster's supervisor, Alex Hernandez and the supervisor's supervisor Victoria Flynn, I received a "Reservation of Rights" letter on July 21st, asking for even more documents, most of which I have already provided on more than one occasion. I have spent so many hours working with Adjustor, provided hundreds of documents, all for naught. Assurant is clearly acting in bad faith. I submitted a complaint with NY state and am still waiting for a state examiner to be assigned to my case. On July 25, I received a phone call from a lawyer working for Assurant asking that I bring documents to his office and be examinated under oath with a court reporter. He said this examination could go for many hours. Assurant is doing everything in its power to thwart the lawful settlement of my claim and cover the bungling of my claim in the last 8 months. I've been through hell with this company and will do everything in my power to hold them anccountable according to the letter of the law
Shame on you Assurant