Capital Insurance Group

We are new to CIG in 2016 and had a dear hit car claim. Our claim representative, Daniel Moreno, was excellent and very responsive. The car was fixed and CIG provided us a rental car (we had this coverage). We never dealt with the adjuster directly — Daniel and the car repair people did all the communication. The car was repaired to our satisfaction and we paid our deductible. Thanks CIG!

I worked as a claims manager at CIG for 6 years. I can say this is a «real» insurance company with an «A» rating. They are a wonderful customer focused company and we always paid all covered claims promptly and fairly. The one-​star complainers below probably are not telling all of the story. Many types of property and even autp losses are excluded from coverage depending on the circumstances, no matter whom you are insured with. All carriers policies basically have the same exclusions.

Just recently made a claim for my house. and I got a wonderful adjuster. Aaron Martinez.. Very nice. Polite. works fast. tried to help me with every little detail possible. Not often do you get to work with someone who actually listens and tries to help. i had mold due to a leak, and mr. Martinez sent a company out right away to take care of it. His main concern was our health and safety due to the mold. He made sure our house became mold free… :) after that he came out right away to put together an estimate.. Now I’m working on my repairs. all very quick. great insurance. and great service. most of great people.

I am a valuable customer and I pay my monthly bill in a timely manner. I have never been late on any payments and I have never made a claim ever. I am dealing with Heather Madden the adjuster and Sue Leporati the adjuster manager so far. I have a family which includes my husband, one year old child, my father, 2 dogs and a cat. The claim I put in was for a slab leak which turned into a major project. My adjuster basically didn’t want anything to do with me besides receiving a leak detection and the plumber estimate. she did provide the restoration company which I could have found on my own if Cig would have told me the reasoning on contacting them in the first place. like I said I am new to this and would have no idea unless explained. The restoration company took out my floors in the dining room, kitchen, back family room and the hallway. They also took out sheet rock and moved a majority of my things into the garage. I had to ask Cig to put my family in a hotel since it is not livable for my family to stay in without hot water or flooring. I was only approved for two days which I paid out of pocket. I had to get another approval for two more days since the water went everywhere which was out of my pocket as well. I also paid the leak detection out of pocket. After complaining to the manager Sue, the insurance company put my family into a hotel which the insurance company is paying for rather than me paying for it. Yet I am still waiting t be reimbursed for my out of pocket expenses. My adjuster came and viewed the house and noticed there was a slab patch already. The issue is coming from underneath my kitchen cabinet. Since the adjuster saw going through the slab would be more «cost effective», they approved a whole reroute verbally. My adjuster called the plumber and requested an estimate for reroute and sheet rock repair. The adjuster approved it verbally and I made an appointment to start the job. Now my adjuster is saying only a portion of the reroute is covered after approving the whole reroute. So, I had to call the plumber to wait which the job was supposed to start today. Currently, I am fighting to make sure my insurance company is true to there word and so far it’s been compromised. The insurance company is wasting my time and money. And to be honest they are wasting the insurance money with there back and forth broken agreements. I cannot afford this repair and it was unexpected. All I can say is make sure you check everything twice before believing the adjuster. I am still going through this issue and so far this has been horrible customer service. I am very unhappy with the companies service. I will write another review again once this whole nightmare is resolved.

STAY AWAY FROM THIS INSURANCE COMPANY! We are in the process of dealing with a hit and run/​uninsured motorist claim and the adjuster/​claims rep is not only providing NO guidance they do no follow up, and as one reviewer said, you have to stay on top of your own claim. I am fully expecting a problem with this company and will take them to small claims court AND file a complaint with the insurance commissioner if this is not resolved to our satisfaction. So far, it’s looking sketchy, this company is bad news and they have incompetent people working for them. Do not waste your money!

The claims adjuster lied and as a result my claim was denied. I am still fighting in court.

I had this insurance for homeowners and automobile, absolutely the worst insurance group to deal with when filing claims. California insurance group is completely unprofessional and has terrible customer service, every single customer service rep I spoke to had some sort of issue and or attitude.

Worst insurance company I have ever dealt with. Went out of my way — over and above to find the lowest quote I could after being involved in a hit and run with one of their insured drivers. They were so rude and inefficient throughout the entire process and wasted a significant amount of my time. Asked for another claims representative after the first one was totally rude and incompetent by continually asking for the same information that had already been provided in writing. The 2^nd representative was even worse. Direct quote «It’s not my problem». Steer clear. I will be calling the insurance commissioner to file a complaint.

Buyer Beware!!!
Use a real Insurance company. This company is probably operated from jail. Scandalous. Purchased a home and had home inspection prior to move-​in, first rain comes and roofs leaks, this company says they are not responsible because prior owner is or home inspection company responsible. In the mean time I am left dealing with a leaky roof while the insurance company points their fat greedy fingers towards everyone else but paying the claim. Randy Moore, the adjuster is beyond horrible in attitude and customer service. Laura Owen, our real estate agent recommended this company. I am sure she received a kickback because I have never heard of them before and I am sure that is the only way they get business, dishonestly. If anyone has a good story about this company, let me know or a contact me or post on facebook.

I was rear ended at a stop sign by one of CIG’s insured. The damage is not substantial, but the fact that Justin Buchanan from CIG is saying that I have no proof that I was hit by his client is ridiculous. Why would his client give me all of her insurance info if she didn’t hit me? Im not asking for anything outrageous, in fact I didn’t ask for anything at all before Justin told me I didn’t have proof that anything happened. I certainly wouldn’t want a company with such low ethics representing me.

I’ve had to file two claims through this company. Both times the other parties insurance company was far more personable and helpful than CIG (though they were cutting me checks). Their customer service leaves a lot to be desired, which sucks because I’m there customer (why I don’t know).
I’ve dealt with with two different claims representatives and both are difficult to work with, defensive, and take little to no initiative when problem solving. Thinking outside the box is not encouraged in this organization, nor is expediting the claims process.