Nationwide
Laufer Insurance and Financial
Vanessa Williams Insurance Agent
Terry Laufer Insurance Agent Broker
Yorktown
Poquoson
Virginia
I had contacted Vanessa Williams with Laufer Insurance and Financial to inquire about Home/Auto/Flood Insurance as I was purchasing a new property, After settling out the Home/Auto we were trying to determine the best qoute for Flood Insurance, After obtaining a new flood elevation Cert. And the Flood qoute was coming in a at $2800/yr I was told by Vanessa that the reason the qoute was so high was becuase I did not have any approved flood vents, she informed that if I have all of the correct flood vents installed that the Flood policy would drop to $504/yr -I closed on the house and within a week had the vents installed and let Vanessa know so that we could get the policy lowered, several weeks had passed and Vanessa was not very responsive about my inquries as to what was going on with revision of policies price -On 09/06 I called Nationwide
directly and told them the situation I had and they immediately informed me that Flood Vents installed would not make a difference on the price of my policy and they would have Vanessa reach out to me, a few hours later I was emailed by
Vanessa that the policy would remain unchanged even though I had done everything I was instructed to by Vanessa to lower my flood policy -Upon speaking with Vanessa her response to the issue was that she assumed the part of my house that
was on the slab was all garage and that no other houses in Poquoson are built with any living space on a slab, Apparently aside from being an insurance agent she is also an expert on the 10.000 homes located in the city of poquoson - She had been out to the property to take pictures of the vents, it was very apparent that the whole slab section of the
house was not solely a garage -After talking with Terry Laufer of Laufer Insurance and Financial they were able to get with the underwriters to get the policy to close to $1800 a year -Still $1300 more a year which is over a $100 a month more out of my pocket as long as I live in this property -They felt that I should have been happy and thankful that the rate was revised to $1300 more than the rate I was promised -No actions were taken against the agent by Nationwide or the Laufer Agency, just a bunch of empty apologies while I pay more for my house every month
The Negligence and Assumptions that were practiced in guiding me to purchase insurance from Laufer Insurance and Financial cannot be 100% resolved, Had I known Flood Insurance would cost me $2800/Yr I would not have purchased this
home at this point - I am not 100% sure how I will afford to continue living in the property
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