Zephyr Insurance Co Inc

Paul Van _{on Google}

Dec 15th, 2023

If I could give negative stars I would. By far the worst experience I've ever had with an insurance company. I had water damage claim and they called me to say my coverage was denied due to an accidental discharge one day then called and said it was denied for another reason 4 days later when I disputed it. Crooks. Changing carriers immediately.

D Kawada _{on Google}

Sep 12th, 2023

My calls were never returned

Bryan Marino _{on Google}

Feb 14th, 2024

Our hurricane insurance policy renews early next month (February 2024.) Of course, we received our policy renewal invoice in the mail, on time just like we have over the last several years. However, this time our policy premium increased almost 75%!
We've heard of premiums increasing 20%, 25% - even 50%. But 75% is a HUGE increase without explanation or ever having filed a claim. This type of increase is like the ones we've seen on the news in Florida!
We understand inflation and that replacement costs are going up - we get that. Zephyr's exposure is enhanced with potentially higher paid claims.
In an effort to understand the premium increase, we tried to contact Zephyr via email (4 attempts - no reply) and via phone (too many calls with no answer.) Perhaps, like many other businesses, they are short staffed or too busy? Not sure. What I do know is, from a customer's perspective (soon to be former customer - yes!), it seems like they just do not care.
If you peruse their Yelp and Google reviews, you will notice they have not replied or commented to any of their 20 customer reviews since July 2015! And the company representative that posted back then is now the President/CEO of Zephyr Insurance. Translation: Zero reputation management - they don't care about their customers.
To be clear, this review is not a complaint about their customer service because we did not receive ANY service.
In the end, the following was our quagmire vis-a-vis Zephyr Insurance: If we cannot engage them via email or telephone with questions regarding our policy NOW, how can we engage them when we really need them during a potential claim in the future? The clear and simple answer to this question is why we changed hurricane insurance providers. We implore you to do the same.
There are at least 10+ other hurricane insurance providers here in the Hawaii market. Do your own due diligence and make a decision that is right for you and your family. Good luck!