As a first time homeowner, we were relying heavily On Joe Ziaj to be our expert on recommendations and understanding both our appraisal and home layout, all information required for Joe and AAA to provide us our home insurance policy. It was painfully evident, that not only was our information not properly reviewed, but Joe did not make one phone call to us to review our new policy and let us know what was included/excluded. Due to this, within 9 months of owning our house, the basement flooded.
Our sump pump failed, along with the battery backup, so roughly 2 ft. of water filled our crawl space, flooding into our lower level. We immediately put a claim into AAA, who informed us that we did not have coverage. I was beyond shocked so we tried calling Joe. We were told he was unavailable until the later afternoon so this caused even more concern as we were scrambling to stop more water coming in. As we looked closely, it turns out we never had the coverage for water backup. I'm sure you could imagine our frustration seeing this as we expected our insurance agent to at a minimum, tell us we were not going to have this coverage. Joe did finally get back to us around 530 PM, so well into the day of dealing with the issues. Our conversation became very heated, as Joe did disclose "I have to have this conversation all the time with my clients, there is nothing I can do". Joe, if you have this conversation all the time with your clients, maybe you should have a conversation with them then about prevention and protection rather than not doing your job and never having a discussion on what their policy is.
Fast forward to today, where we are still recouping and finishing up the re-build of our basement. Everything has had to be out of pocket, costing us $15k+ and we still need to put in our carpeting.
I am ashamed I have to write this review, but I hope those that are considering AAA or specifically Joe for their agent, please re-consider. read more
