Our San Diego home (Rancho Bernardo) burned down in the Witch Creek fire, and Amica was there for us. We were lucky in that we were renters, not homeowners, and so we are not having to go through the nightmare of having to rebuild, but still, Amica has done right by us on our renters policy and we will be customers for life. Here's why...
We first confirmed that our house burned down at 8:00 a.m. the morning after the fires struck. Our first call was to Amica, and without any independent verification that the house had burned down - just our word - they got us a debit card with $5,000 on it to help us with immediate expenses (the card was in our hands within three hours). The next day they called us and told us that they had put another $10,000 on the card to help us out until the claim could be settled.
Amica assigned an independent adjuster to work with us on our claim. In our first conversation, the adjuster told us "you don't know how lucky you are to have Amica." He said that he works with 30 insurance companies, and that there are only two -- Amica and Chubb -- that treat their customers right in situations like ours. Amica was in frequent touch with the adjuster throughout the process, and the adjuster said they were encouraging him to move quickly so that they could get us our money and settle the claim.
As I write this, five weeks after the fire, I can report that Amica settled our claim for the full amount of our coverage, and we received the final check in the mail the day after the called to notify us that everything was complete.
I have had coverage with Amica (home and auto) for more than 20 years. In that time I have had two burglaries, a dented car door (someone backed into the car and then drove away), some cracked windshields, and now this whopper of a claim. Each time, Amica's claims service surpassed my expectations. My extended family also has Amica (I learned about them from my father, who has been a policy holder for 50 years), and everyone has similar stories to tell of outstanding claims service.
I am a customer for life.
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