American Family Insurance was my homeowners insurance company for 20 years. They cancelled me after I reported a loss.
On August 13 lightening hit my home and caused a fire. The damage was extensive but not a total loss. On August 15 there was another fire, cause unknown. The home was a total loss.
The fire marshall's report said the second fire was arson. American Family had to do an investigation. I had to do a sworn statement under oath.
After 5 months they were still claiming to be investigating. Then I receive a letter stating they are filing a declaratory judgement to determine coverage.
They deliberately delayed settling the claim soI would not hire an attorney. I believed them when they kept saying it was okay and not to worry. It was just taking time to investigate everything.
I am a disabled widow. I have lost my home. They will not even pay the mortgage so I am losing my property also.
I have had to hire an attorney that will take one-third of whatever I get, if anything.
Do not buy American Family Insurance. They are liars and do not want to pay a legitimate claim. I jumped through hoops to cooperate with them and all along they planned to do this.
He deliberately delayed settling this claim so I could not hire an attorney and be able to receive attorney's fees
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