Western Mutual Insurance

DON’T do it! Unbelievable experience, my poor grandpa, he has been defeated by this company. These people are in. Several lawsuits right now.

I switched to a different insurance company because I found a much better coverage for about $ 150 less a year than Western Mutual. I called this company and I was on hold for 25 minutes until someone finally answered. I just wanted confirm that they received the signed cancellation form I had sent out 2 days ago and the representative said they never got it. Confirmed the email I sent it to and it was right; so while I was on the phone with her I re-​sent the email again and she said «nope i don’t see it» she gave me another email address and still the same thing, then she said it takes a while for them to received emails that I should give it 30 minutes and call back! It’s ridiculous, I’ve never heard of emails coming in that slow, after being on hold for a long time I was asked to call back again.
The next thing I did was logged into their website to upload the signed cancellation form and typed my message in the box. I received an email from them saying they successfully received my message and someone will contact me if they have any questions… and someone sure as hell did! the next morning i received an email saying PLEASE FILL OUT THE CANCELLATION FORM (the very form I sent them to begin with via email and their site)
I can’t give up just yet cause they owe me a refund for 11 months. So I faxed them over the form before I make another call which by the way is a pain because you’d have to listen to all the options and press a button then goes through another cycle of options and do that over again for about four more times (this automated crap alone by the way, was not included in my 25 minute wait time)
I’m not finished. I mailed out the form to them as well and I will wait a couple of days to give them a call. I can’t even imagine how long it will take them to actually send me my check cause submitting the cancellation form is already a hassle let alone sending out a check. This whole situation made me realized I am right about switching to a different company, cause if this is how they deal with simple things such as submitting forms, imagine how they would deal with a customer when something actually happen to your house and need to make a claim. There’s a lot of companies out there that values their customers. Stay away from this company.

I never had a claim, but for a year now its really hard to communicate with this company. They do have online contacts that will not work (offline) or will be lost in space and never return a reply. Try calling and you will just go to endless voice automated machines. I’m not renewing anymore… true they are cheap but if times of need — im concerned… how they will handle it.

Still playing back and forth games. They can send a hundred letters that do t give any answers, they don’t answer phone calls, they don’t answer emails

By far the worst insurance ever had. Supervisor Steve Segan very disrespectful person. We are the customer we pay good money for insurance first time we call for a home flood treats u with no respect this person harass me. Normal customers call plumbers wen its a emergency. There is no reason a home owner should be on hold when there is a flood emergency in our home. We call a plumber to fix the flood. Home owners are intitled to call any restoration company they want as long as they are certified and they deal with people’s insurance. We pay so much money for this insurance and by far the worst. We need to be respected we are customers not ur friends or family. Steve Spagon is a x cop or marine. This guy uses his friends to investigate you and to see what type of person are you. Nick Fredrick is the adjuster no communication what’s so ever. They denied my claim with no reason behind this. People all I can say is u pay cheap you get cheap do your research for home insurance. Farmers all state AAA State Farm is the way to go. These company’s are 20 times better. I highly recommend nobody uses this insurance

Wish this could score a minus 5 (–5). Anyone looking to sign up with them… Run fast and faraway. After having them in our home for 22 years a claim was filed. Job git completed with the excellent service of Paul Dean Co. In Corona, CA. But as the renewal came up I received a letter with less than 30 days notice I was cancelled. Called them and because I was now considered high risk since filing water damage (mind you less than $ 20K) I was not eligible per «their judgement» to be covered any longer. But after a call back from them just now after a review, golly gee whiz they would cover me I now paid $ 1000 deductible, PLUS a 3% of their valuation max allowed ~ $ 11,000+ should any other water damage occur. This nonsense is more than the claim they paid. The area we live is a very nice area, no crap allowed, well kept etc. our home we’ll maintained, yet boiled down to I had a policy they no longer offer, $ 250 deductible. Which «Ms Laura» the «supervisor» stated. Once again the consumer is raped because an unforeseen event occurred that was in need of what this $$ agreement was with them.

The staff I spoke with was patient, helpful, and stayed professional even though I was very angry, that is the only reason I am not giving 1 star! With that being said, I am a new home owner, I have been at my residence less than 1 year, I have called 1 time for an electrical problem that was not covered, and I called today because I received a notice stating that my policy was going to go up because I had a side fence that blew off the hinges after a 2 wk span of high winds, which was fixed once the wind subsided, and for «Liability exposures for an uneven driveway.» My driveway has some minor cracks, but nothing is uneven. Once I called the company, I was sent pictures of my house, the broken fence, and my little dog for some reason, there were no obvious pictures of cracks in my driveway, and definitely no pictures of uneven driveway or walkway. Also, I don’t understand how a broken fence and a minor crack in my driveway that was barely shown in the pictures constitutes a 20% increase in my policy. I was not happy to know that they just come by and try to find things wrong, unfortunately from what I have read online, all insurance companies do this, but to try and increase my policy for something this minor, I am very disappointed, will not renew with this company.

After 17 years without a claim, they cancel our policy after our first claim. What assholes!
We are saving money after switching to GEICO.

Wow. I am stunned. I am in the middle of a claim for water damage. I just had my first interaction with the adjuster and they guy was literally yelling at me on the phone when I asked questions about mold.
I have never had a claim in almost 13 years. I had a flood and called right away for assistance. I have everything torn up from the flood repair people right now and all I wanted was to ask some questions about what happens if mold develops.
This guy was arguing with me, asking me who was advising me,“a friend who thinks they know about mold?” he said. I said I just wanted to know about coverage and he told me it was a hypothetical question and asked my why I was automatically assuming that the repair company wouldn’t do a good job. Whatttttt!!!
When I told him I worked in insurance also, and hypothetical questions are the type of questions that you have to answer when people have questions about coverage, he flipped! I kept asking him why he was treating me this way when I am already in a stressful situation of having my house torn up, and he just kept going on and on and on.
When I asked if I could speak to someone else he told me there is no one else. I said «you are the whole company?» He then said he would give me his supervisor’s name and number.
I am scared to death of what more is to come with this company and this claim.
I wish I would have read all of these reviews sooner before I needed the coverage.
I’ll be on the lookout now to have someone show up at my house with a camera and cancel my policy. It looks like that is what happens to everyone else once they have a claim. Geeze, this is what I have to look forward to?
Stay tuned…
Update 3÷21÷16 CANCELED!!! Surprise! Not! The hilarious thing is I had just gotten off of the computer from switching insurance companies when I opened the notice from the mail… I wasn’t going to wait like all of the previous reviewers I had seen. I knew it was only a matter of time! So after 13 years of no claim ever, I had 1 water damage claim for $ 7,000 and I was canceled for too high of a claims experience. Give me a freaking break! This company is a joke!
Just to give some more detail about our complete experience. After that first night described above where the adjuster yelled at me, my husband called on the following Monday and asked for a new adjuster. The supervisor told us that he only has 2 adjusters (one of which has the same name as the supervisor hmmmm) and that he couldn’t switch the adjuster to someone else because he didn’t HAVE anyone else. Wow, great customer service! The repair company knew exactly who the adjuster was when they came to my house too. THEY guessed which one it was before I even said his name!
Do yourself a favor, if you are looking for homeowners insurance, keep looking. If you were automatically given this insurer as we were when we bought our house, find another one quick before you ever have to deal with them! I can’t say enough about how unprofessional this entire company is!

I had the same experience as all of the «not recommended» reviews. Signed up with them as part of the closing. If I recall the mortgage company supplied them. Nine months later they send a third party inspector for an ‘exterior inspection’. It happened while we were doing a full remodel. Eight days later I get a cancellation notice claiming the house is vacant. Call them and the underwriter insists on asking questions through one of the ‘customer service’ people. I leave messages with the underwriter to explain the situation directly but she refuses to return my calls. I finally give up trying to get them to understand a remodel is not a vacancy. Canceled my insurance rather than let them cancel me and now I’m with a real insurance company.

I am happy to say that JOHN CHOW at WMI helped me transfer 4 home insurance policies from Farmers insurance. I was with Farmers insurance since 2008 and just because a small claim under $ 2000 they raised my policy by 150%. He was able to save me money on all of our policies and did it in a very professional manner.
Thank you John Chow. I will be referring my friends and family to you.

Ummm, they don’t cover anything

Had this company insure my home for nine years, and never filed a claim. Then we had a bad hail storm that damaged our roof, and some siding on the house. Filed a claim for a roof, and they paid out, however they would not renew my insurance when it came time to renew because I don’t meet their «underwriting» standards. I didnt seem to have a problem meeting their «standar» for 9 years. I guess their standard is: As long as you don’t have a claim you can be our customer. What a damn shame the insurance industry is.

DO NOT buy insurance from this company. My grandmother has had this insurance for a long time she is 93 we had to file a claim for her kitchen as there was a leak that rotted the wood under the sink and was molded. Their contractors fixed it half ass, then some man shows up at our house taking pictures of the house and our cars. Yes our cars! My grandmother then receives a letter they are cancelling her insurance because we have a pit bull, you have got to be kidding me we’ve had our dog for 9 years and all of a sudden because they had to pay out it’s a problem. Wonder when that pit bull policy went into effect because I guarantee she was a customer before that policy. THIS IS HOW THEY TREAT A 93 YEAR OLD. WHAT AN UNPROFESSIONAL COMPANY.

5÷4÷15: okay, the finale is here! Our claims adjusted, Steve, called back today and it turns out the check really was in the mail, but got lost. Not only was he going to put a rush stop payment, he is driving out to our home tomorrow to hand-​deliver our check to us! I don’t know of any other company that would go so above and beyond. This is what I call AWESOME customer service. Our little bump in the road really turned out to be not a big deal at all.
I wish I could give this company and their contractors a 10 star rating! I am definitely a customer for life.
BTW, if you ever wonder if a company pays attention to your Unilocal… this company does. After completing one of my reviews, I received a call from the VP of Claims thanking me and really showing that he cared… WOW! Thank you Steve C.
5÷2÷15 this is a continuation of my full review. Tomorrow our floor installation will be complete… yay! Problem is… my Claims Rep told me «the check went out Monday» but it’s Saturday and no check and no call back from my rep (from yesterday)…hmm.
Up until now, everything has gone so well, all of the contractors have done a great job, but now I will have to deplete my savings in order to pay the flooring guy, because he will not take «the check is in the mail» as payment. We are very frustrated at this point. So now I will have to see how my final Unilocal will turn out… stay tuned

This is the most ridiculous company that I have ever worked with or paid for!
They never get back to you when they say, if at all.
They change your policy without asking.
They have ridiculous underwriters that are absolutely clueless.
Save yourself some time and money and a headache and find yourself another insurance company.

I highly
recomend
this insurance, to those people who have their own house, they truly do their job, They help me get my fence fix in due time… thank you Wester Mutual Insurance Group…

For all of you that are unhappy, File a complaint

Insurance. We all need it, we don’t want to pay an arm and a leg for it, and of course. we want good coverage.
After paying way too much with our previous insurance and treated poorly by an agent, I figured, do I really want to deal with a person who has a bad attitude and takes a whole day to respond? What if I was in need of help?
So I started doing my research. I asked around and I decided to make a move with Western Mutual and I immediately received a great deal, same good coverage option with almost half the price of the previous company. Then I met an awesome western Mutual Agent, Mr. David Kho!
He’s not only helpful in answering all my questions, explained everything clearly, got me a better deal and best of all, he is always so upbeat and cheerful. It’s so nice not having to call 1800 number to talk to an agent.
I randomly called Mr. Kho when I had to decide if I should get a additional insurance coverage. He gladly answered all my questions and patiently explained the fine details to its entirety, truly a pleasure to deal with.
Thanks for everything David! I will be sure to recommend you and your agency.

I got a cancellation too unless I re-​plumb my whole house and the claim process isn’t even completed, after 4 months I still have ½ my kitchen torn up.
I have to admit after 4 months of headaches and arguing with a claims adjuster I finally complained, I wish I had done it sooner because I was reassigned to a really nice and understanding person but then I get conflicting letters of cancellation, one says re-​plumb whole house or have a licensed plumber verify pipes are fine, 2^nd one takes out the plumber verifying and unless whole house is re-​plumbed we’re cancelled, the 3^rd one just completely cancels us. Good company until you make a claim…
Oh wait, WHAT? I just got a letter and they’re also cancelling our rental home insurance over a claim less than $ 4,000 OMG! Unbelievable!!!