AMERICAN FAMILY INSURANCE

I filed a complaint with the Colorado Division of Insurance simply asking for a legitimate inspection from AMFAM.  They essentially "checked the box" by following up with AMFAM, but accepted their word that AMFAM had done everything required of them.  They basically did nothing to protect me, the consumer, from an insurance company that is very clearly trying to avoid paying a legitimate claim.  AMFAM's policy states that if I wish to further pursue a claim I will have to go through an appraisal process.  This means that I have to hire an engineer to inspect the roof and prepare a report, and if AMFAM's engineers disagree with my engineers (which is exactly what would happen), then they would mutually select an independent third party to make a determination.  This process would cost me approximately $2,000 - 2,500 out of pocket, regardless of  the outcome, which would most likely not be in my favor... particularly 6 months after the storm.
After speaking with numerous roofing contractors, AMFAM is notorious for denying roof claims.  If you want good roof coverage as part of your homeowners' policy, you should use someone other than American Family.

Original application listed the type of roof clearly (5 years before the claim). at time of initial insurance policy was approved roof type by american scamley insurance. Premiums were always paid on time & in full. at no time during the entire course of the policy was I informed that this type of roof would not be covered. When asking for refund (reduction in value of home by the cost of the roof) after denial of claim was declined that also.  After denial of roof also collected premium as though was covered.  American scamly insurance drug out intentionally to past statute of limitations for claim and statute of limitations for "bad faith" suit.
extremely difficult to deal with BEWARE OF THIS "INSURANCE COMPANY" as they will not cover your claim.

insured for over ten years, took premium regularly.original application stated roof type, and at time of insurance was APPROVED by american family type of roof.after 5 years submitted claim for hail damage, out of state inspector said no damage (all was inherent vice damage) although there were circular holes & cracks in roof tiles.several letters to company, to no avail.of note is that took FULL premimums for home, including 25000 roof both before and after claim.of note is that WOULD NOT REDUCE premimums for cost of roof which would not pay for.
PERHAPS SHOULD CHANGE NAME OF COMPANY TO A MUCH MORE DESCRIPTIVE "AMERICAN SCAMLEY INSURANCE"
YOU WOULD BE BETTER OFF WITH NO INSURANCE - IM SURE YOU COULD FIND SOMETHING TO DO WITH 1000. + A YEAR, SINCE YOU SURELY DONT GET ANY INSURANCE COVERAGE WHEN SENT TO THEM.
BEWARE ! ! !

Sherie just took over our account and she reviewed it and found several ways to save us money on our policies. Our rates have gone down over the last 6-8 years. We pay it annually to save a little more money.