FortegraReviews of fortegra.com

Never use them they’re full of shit

Bought car breakdown cover, under "Fortegra", sold by 'Cover My' insurance, on a well-known price comparison website. 'Cover My' insurance then sub-contracted to 'Emergency Assist Ltd'. I had a policy with "Unlimited Call-outs" for break downs. Emergency Assist Ltd recovered my vehicle (costing several hundred pounds(!)) saying that they would reimburse me the cost later, after receipts were provided for the repair. I did all this, car professionally fixed at a professional Garage, but they failed to reimburse me, saying that, "this second recovery fault, is the same as your first recovery fault, so we won't repay what you have paid for recovery"(!!). The faults were two different faults. Absolute Cowboys are these companies!!! I had to go to the UK Ombudsman to challenge them(!). Stear well clear of them!! AVOID!!! AVOID: Fortegra Insurance Europe. AVOID: Cover My break down insurance AVOID: Emergency Assist Ltd. Spend a little more, and go with RAC, AA, or Green Flag. Stay safe!

I would give them zero stars if it were possible. We had our bed for 3 years and the bed frame broken. Luckily I wasn't hurt as I was the one on the bed when it happened. They denied the claim because it wasn't mechanical. That's SO ridiculous! What's the point of purchasing a warranty if it covers basically NOTHING?! Also they said to call the manufacturer while not leaving a number. I'm a naturally positive and happy person but this really pisses me off

This company is the worst I have ever dealt with. They sell you a warranty, but don't honor it. They come up with so many different reasons on why the warranty is denied. None of which makes sense. Then the customer service lady hung up the phone on me, while constantly over talking me. Very rude. You should stay far away from this company.

I purchased a Drew and Jonathan reclining sofa with a 3 year warranty when the white paint on the sofa starting rubbing off my claim was denied as just normal wear.

Fortegra has engaged in a calculated pattern of bad faith handling regarding my claim (Claim #028031). Despite a catastrophic Category 3 contaminated water intrusion on February 11th, I have yet to receive a single dollar for a total loss of over $21,000 in personal property + 8,000 for loss of use additional expenses. Please note I AM CURRENTLY DISPLACED and moved out of the contaminated unit as my complex admitted fault an offered me a lease termination with no penalties. THE CONTRACTUAL VIOLATIONS: My "Premium" policy includes a Personal Property Replacement Cost Endorsement (LL HO 04 90). This endorsement explicitly requires payment for replacement cost without deduction for depreciation. Fortegra ignored this, applied a 50% depreciation rate, and valued high-quality rugs at less than $50 each. Furthermore, they ignored over 200 items on a 219-item inventory, claiming "lack of damage" for items exposed to Category 3 contamination. If they’d like to argue against wetness. According to IICRC S500 Section 12.3.3, untreated water degrades into Category 3 within 48 hours; Fortegra’s adjusters are ignoring industry-standard science to avoid paying the claim. They have ignored over 200 items and only offered to pay for 6-7 items (all of which are incorrectly valued and DEPRECIATED therefore not only ignoring but DENYING damages). MANAGEMENT FAILURES: The assigned Adjuster (FL License: W061823) and Claims Manager (FL License: E188850) have consistently failed to conduct a thorough investigation within the 15-day statutory deadline required by the Texas Insurance Code. They both attempted to manipulate me and the claim. I escalated this to executive staff: Head of Claims and the Manager of Regulatory Affairs; both have failed to rectify the clear breach of contract and hold their adjusters accountable. LEGAL TACTICS VS. POLICYHOLDER RIGHTS: Instead of paying a valid claim for a DISPLACED policyholder who has suffered a category 3 water contamination, Fortegra has hired a Partner at a national law firm to "review the file.” A transparent attempt to intimidate me, a pro se claimant. Instead of advising Fortegra to fulfill their legal and contractual obligatio, this legal counsel is now attempting to build a "failure to cooperate" defense by mischaracterizing my attempts to seek transparency and help as "counterproductive." Specifically: 1. They are attempting to shift the blame for their 30-day delay onto me. Despite me providing ample evidence, consistent communication and attempt to provide more information and any additional meetings. They are arguing that I was not helpful for the one hour I missed a phone call which I immediately emailed and called back — because I was moving out of the contaminated unit AFTER the 15 day investigation deadline. 2. They claim "difficulties obtaining information" despite for weeks they have been provided with (by me) a 219-item spreadsheet and over 100 photographic evidence of the incident at the time of occurrence and afterwords sunken, water-damaged floor and walls, cracks in the ceiling, gross water residue on my items and floors, etc. 3. They are weaponizing the "Duty to Cooperate" to distract from their own failure to investigate and violations. 4. They are threatening an Examination Under Oath (EUO) not to find facts, but as an interrogation tactic to "tire" a displaced claimant who is currently paying out-of-pocket for relocation. Fortegra is currently in violation of Texas Insurance Code § 542.060 and owes a mandatory 18% annual interest penalty on the delayed payment. They would rather pay high-priced attorneys than honor the contract I pay for. A complaint has been filed with the Texas Department of Insurance. DO NOT TRUST THIS COMPANY.

They still have not finished the claim. They are unprofessional. I have not received a call or message about my claim except for the on that said I filed one. They absolutely refuse to call back with any kind of information which I have requested them to do at least 6 times. Please do yourself the favor and spare yourself this experiance with this nightmare of a company.

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