I chose metlife through my employer Midcoast aviation (jet aviation) at the time. it was for a discount rate on home insurance, so I switched insurance companys. Chase Home Mortgage pays out escrow which includes home insurance.
Hello. Another expert here, and I'll try to assist. There is no way that HO insurance could have cost that much in Indiana. Even force placed insurance that is obtained by the lender when the owner can't or doesn't make the mortgage payments and which is the most expensive coverage you can buy, wouldn't be that much for a home like yours.
It appears that you have been overcharged since 2007. Your complaint should be directed to the Indiana Department of Insurance, not the Federal Trade Commission, which has nothing to do with consumer complaints. http://www.in.gov/idoi/2526.htm. I also think that whoever the agent was who sold the policy through your employer did you a disservice. Suggestion: Call one or two local insurance agents to give you a quote on insuring your home. I think you will be pleasantly surprised and will want to switch companies. Suing for a refund might be difficult, so an attorney should be employed for that.
I hope this information is helpful and that you will enter a positive rating. I thank you for submitting your question to Pearl-Just Answer. We appreciate your business. If you need clarification or additional information, please send me a Reply and I will be happy to explain further. Please consult a local attorney to verify the accuracy of this information according to your state's laws.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).