I have had Frontline for the last 3 years. I have never had an insurance claim with any insurance company over the last 50 years. We needed a new roof after Hurricane Milton. I put a claim into Frontline and was contacted within a few days. They sent out an adjuster and I had a check minus my deductible for the new roof within 30 days. I would highly recommend read more

we had an issue with frontline in processing of claim after Ian impacted our condo in Naples area. Frontline was very inconsistent in the processing of our claim and those of our neighbors. Some of our neighbors received payment in full and others not. All submitted claims with HO 6 policies for the same claim amount but frontline paid in significantly different amounts. Frontline claim adjuster did not communicate or justify his position with the inconsistencies. I switched provider. I would not recommend Frontline. read more

This insurance group is horrible. I had purchased a home and gotten an insurance policy and I was communicating about not being able to send a physical pictures for the inspection of the house and they completely canceled everything they would not reopen it. They were not friendly on the phone and I can see after these ratings now how bad they are stay away from this insurance group! they're horrible. read more

I've never written a Yelp review before, but my experience with this insurance company was so awful that I feel like I have to warn others. After storm damage to my roof, I filed a claim and was denied. They sent out an inspector who didn't inspect the entire roof or attic and to make matters worse, the representative I spoke with--Donna--was incredibly rude and dismissive. She spoke over me, acted like I was inconveniencing her, and offered zero empathy or solutions. For a company that's supposed to "protect" its customers, they've shown nothing but disrespect and avoidance-I am a 25 year customer of Frontline! Save yourself the frustration. There are plenty of insurance companies out there that actually care about their customers--this is not one of them! read more

What a miserable and unethical company. We had a leak in our home and did EVERYTHING we needed to to stop the leak, shut the water, call the plumber immediately, and contact insurance. They sent out multiple adjusters over WEEKS only to conclude that the damage must have been going on for longer than we claimed. Everything was denied. It only took three insurance adjusters to find the answers that they needed to deny. Stay away from them. read more

I am writing this review as a warning to anyone even considering Frontline: DON'T. I have never had such a horrid, unprofessional, and scammy experience with a company. I have filed now TWO department of insurance complaints against them. We filed two claims with them over the four years we had them: one for our roof/master bath, and one for a pipe bursting. When we filed the claim for the roof/master bathroom, I could never get ahold of my adjuster. I called never to receive a response and emailed to nothing. I received letters and things like a sworn proof of loss that needed to be completed by a certain date, but I had questions on how to fill it out. Radio silence until I had to just guess and mail it. Secondly, they sent someone to my house and I was told that they were a structural engineer coming to see how to repair my home. The man shows up 45 minutes early while I'm in the shower, rushes my husband, and then basically tells us this damage is not my insurances problem (without further explanation). I got him to slow down for a second and ask him how we fix it since I was told he was an engineer, and he says, "no I'm an investigator trying to make sure you're not committing fraud." So I was straight up lied to. They denied my claim and never sent me a formal denial letter which is REQUIRED. This year, a pipe bursts in my first floor ceiling dumping water all over and under my floors and destroys my half bath. I call it in, following every procedure to a T. They assign me the same useless adjuster and I call and specifically request to PLEASE have someone who will actually do their job. I get a new one and she is nice enough. They send out a field adjuster who is rude to me from the minute I open the door. I try to ask him questions because I knew for a fact that my flooring was discontinued and it was continuous throughout my 1st floor. He tells me they need a piece of the flooring to do an ITEL report to confirm the flooring is discontinued. I don't have one yet because ServPro had not done demo. I called him two days later to say I had the board for him. He says he won't be back in town for a week, and says I should bring the board to him - about 1h 30m round trip for me. I do because I want the claim moving quickly. Drive it all the way out there expecting that he will file the ITEL ASAP. We the get a check in the mail (completely unexplained) from frontline for $1,500. Because the adjuster never filed an ITEL report, they made the report as if I could patch the floors. I have to dig and sent probably 25 emails back and forth with my adjuster trying to figure out why that number is so low. I find out a month after driving that board out that they never filed an ITEL report. Finally they send me his estimate and it is riddle with errors - like wrong types of measurements, spelling errors, and he only included bathroom measurements. I demand they file the ITEL and FINALLY they do. I get an updated estimate with the floors which is still extremely low and riddled with the same errors I pointed out. They are saying I can do all this for around 12K. I've been getting quotes and there isn't a single one below 15k. I keep telling my adjuster that because I'm not allowed to start work until we come to an agreed amount with frontline. Finally my adjuster does her job and calls ServPro to figure out why their estimate (around $14,500) is so different than theirs, when they USE THE SAME SOFTWARE. They speak to ServPro, come to an agreement, and settle on the same number somehow, so they send me a check for around $9,435 which is subtracting my deductible but includes recoverable depreciation before I even did the work? I have finally completely the work in my house (8/18) when the claim was filed (5/17). I did almost all the work myself in an attempt to be able to afford to repair my house. Materials alone was over $6,300 and I paid $2,500 for flooring install. They are required to pay for my time which based on their estimate is more than $2,500 which is left. Frontline should not be allowed to do business. read more

Bad company takes advantage of seniors Did house inspection they said plumbing needed repair brought in plumber said everything was ok. They said plumber was wrong and denied me insurance read more

I would give a zero if I could. 10 years as a customer and I never file a claim until this past year. The company went out of their way with multiple independent inspectors until they found one that gave them the answer they were looking for - the famous pre existing condition and rejected any claim or coverage. Complete BS as I am the original owner and never had issues in the past. Unethical and suggest you stay away from this company. read more

Purchased coverage from Frontline in November 2023, set an inspection date for insurer to inspect our home. They gave me an arrival window of between 1-3pm and arrived at 3:45pm. I had left at that point and couldn't let them in for the inspection. I attempted to reschedule, they said they'd call me back. They didn't and cancelled my insurance policy. Without telling me. I found out via their website when I logged in to attempt to schedule an inspection. A terrible company. read more

https://wylylawfirm.com/frontline-insurance-lawsuit/ Frontline repeatedly refused to communicate with me when I requested a document I needed to participate in a program that pays for hurricane-related improvements to the home. They repeatedly directed me to contact my broker and then refused to provide her with any documentation. They are overpriced compared with other carriers and this service was abysmal. read more

Almost 4 months post hurricane Ian, we are on our 6th Frontline representative. We received an initial claim payment that completely overlooked items that were made known to the original adjustor. We have followed all of their directions to upload or email invoices, photos, estimates, and additional documents to obtain final payment and literally the only contact we've had are calls (usually on Saturday or Sunday afternoons) to inform us we have a new representative, along with a request for OUR patience while the new representative familiarizes themselves with our claim. Direct requests to set a telephone meeting to discuss our policy and claim are flatly denied. I WOULD NEVER RECOMMEND THIS COMPANY TO ANYONE. read more

Frontline doesn't want to be on the front line. Frontline is dropping policies on the NC coast. I have been paying them for years now with zero claims but they're worried about hurricanes now. Why sell it to me to begin with? I guess I am glad they are dropping me, their reviews are scary.. read more

I suffered glass window and door damage from Hurricane Milton. I immediately filed a claim. I've been through 3 desk adjusters, had 2 adjuster visits (and they now want another) , asked to verify the windows are hurricane glass (done), asked to decrease the quote from new panels to new glass (done), and they are still jerking me around and will not respond to my request for escalation. Getting ready to go scorched earth on them. Based on the reviews here, this company is unethical and does not deserve to be in business. DO NOT BUY from Frontline Insurance! read more

To M&L: I'm with Frontline. I have been fighting for hail damage claim since August 2023. Finally after adjuster verified damage, roofers verified damage, Frontline sends out an engineer, on their payroll, and today (12/19/23)we get a call denying our claim. Frontline tells us that it happened 4 years ago, which happened in our last year of coverage from Nationwide. Meanwhile, the next house on each side of us have had their roofs replaced from hail damage this year. Obviously not by Frontline Insurance. Coincidental, I think not. And we are up for renewal next October. So now we have to try and get Nationwide to cover a claim that is 4 years old. Doubtful it will happen. Therefore no renewal next October, no insurance coverage unless we pay for a $25,000 roof. Wow. What a scam. Have to resort to attorney fees and delays I guess. And I'm disabled Social Security fixed income. Can you say second mortgage. Yeah that's fair. Or suicide, one day at a time. It'll workout. read more

YELP Shows hours till 7 pm....Well it's 5:20 pm and they are CLOSED.... I just started with Frontline yesterday and I tried to Call them with questions.... SO FAR ...it seems they are all smart phone ,online, app and and wifi driven for their customer service....COULD THEY BE THE "TEMU" OF INSURANCE here in Florida ???? They seem to be not "user friendly" for older customers !!! read more

We have an agent who doesn't return e mails or phone calls and have gotten zero dollars from our claim filed 2 months ago. Why don't you allow a NO STARS review???? read more

We had to hire an attorney but Frontline did pay the price of a new roof.

This company will invade your Privacy in ways you can't imagine. Then sells it to others. They will threaten to cancel your policy if you complain or have a claim. read more

I have written my review before while going thru horrible remediation. Finally we are cleared for mold Only took 4 times which is unreasonable. A check was just sent for renovations. It was insulting.First of all the 2500 had already been taken out now it was taken out AGAIN FOR THE SECOND TIME ON THE SAME CLAIM!!! How .many times is Frontline going to take out a deduction!! We pay for insurance a lot of money and this is how you treat people renovating their homes by giving very little money?? I sent Courtney Eldridge pictures of our broken bathroom cabinet in pieces, a broken medicine cabinet and a broken 2 side sink!! She sends a quote for putting broken items back?!!! That's insulting!! We need to buy these items new and replace them. Why are we being treated like second class citizens and played.. I was told NO QUOTE could be given till Ready 5 hands in their bill! We e have come to find out that is a separate area that we have paid for mold removal in our plan and has nothing to do with getting a claim amount AGAIN we are being played as stupid. How insulting. Courtney has paid no attention to what we have to replace after the mold removal. She had paint ceiling where there is NO ceiling. Why,? This is causing me bad panic attacks and severe anxiety We are 72 years old. We are being treated horribly. We can't renovate our home with the little money she gave us This is so unfair. As a result we had to get an attorney who we have to pay in the end due to Frontline being not reasonable. The prices are not 2024 more like 1960 which is upsurd and we pay insurance for helping us put our home back together not live with ripped out rooms. This has been going on since August. Our whole neighborhood has their homes completed except for us Why is Frontline have horrible customer service and adjuster who don't want to help and don't even have their facts right!?? Over a month ago we sent in contractors quotes. Our letter says they are still being reviewed. We just had the holidays and we couldn't have any family at our home or grandchildren stay with us We need to be able to start being our home back together !! Daryl and Lou Dalcero Claim # 115381. read more

Please read this review because I have learned all the scams of insurance due to this company and their employees. I am the wife to a deployed active Marine who has been gone pretty much since July 2020. We bought our dream home June 2019. We live in costal NC and this house has been through many rough storms and hurricanes. When we closed on our house Frontline requested us to send pictures of our home (and specified what they wanted to see) before they officially finalized the policy. I did exactly what they wanted. (They have never sent anyone out to inspect and I'm sure they don't for any property because then they will have to pay their clients damages). A very fast and hard storm rolled through on 5/7/21 smashing rain into my window causing water damage. FRONTLINES adjuster came out 4 days later (he was running days behind due to the abundance of homes damaged needed inspections). Mr frost arrived 5/11 (was supposed to be 5/12 but more rain was coming so he came a day early) he immediately said "yes this is 100% wind driven rain and is covered by your insurance. Have Servpro come out and remove your floors and kitchen so they can dry. I am a homeowner. I'm not in insurance. This legally is what's called "bad faith". I did as their representative said. I then wait over a week and hear nothing. I call and get the "yeah. You're not covered. There is no flashing". However there is flashing around my window but for some reason they don't see that. So I sent them pictures of the flashing which is properly installed and done only a few years ago... now it's "yeah there is some wear and tear". WHAT HOUSE 1. Does not have wear and tear and 2. What house does not have wear and tear after a massive storm rolls through? And I'm sorry but you guys insured my home without coming out. I sent what you guys requested and your company said I was all good. So at first it was "no flashing". Then I send pictures of flashing with everything else and it's "ooohhh yeah ok but see. There is a little wear and tear". What's the next excuse?? And BTW there is no wear and tear that would contribute to my entire kitchen and living room being torn up. If there was wear and tear there would be prior damage that would have been discovered once my house got ripped out however there was none. That's how wind driven rain works unfortunately. Even your adjuster agreed. They don't care about their clients. They don't care that while my husband is half way around the world serving in the USMC and his wife, daughter, and 5 dogs are home living in a hazardous situation telling his wife my bad. You're stuck with all of this. We aren't covering you, but don't forget your annual premium is almost due. Thanks for all of the thousands of dollars you have given us though. They know their adjuster said I was covered and they have admitted that. But they don't care. (I have all of the correspondence saved in emails) They now have several reasons since I keep disproving each one as to why they won't cover what they are supposed to. Maybe you should tell your customers how often your company wants the house inspected for any wear and tear so they are safely covered and don't have to fight for what they pay for. Maybe your company should come and inspect a property before writing insurance on it. Same as a life insurance policy. We are a military family. I run a non profit animal rescue. Our family lives to help others. And this is what we have received. My child has injured herself due to the home condition they have left us with. My dog is limping. They laugh. Our dream home has no been gutted and we live out of boxes. All of our heavy secured items are now standing left in the middle of our home and they laugh. Now we are meeting with lawyers this Thursday as well as media due to this gross negligence, bad faith, and roughly the 60-70,000 worth of damages (including a Servpro bill which I'm sure is well over 10,000). I haven't been able to work due to this. My daughter is having nightmares. And they don't care. read more

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This is the most corrupt fraudulent insurance company in America run don't walk. They don't pay claims. They just take your money.we have been waiting over 20 months to settle our claim which their own adjuster said was justified. They engage in fraudulent and deceptive business. read more

Had a severe storm in March of 2021. Sceens, trees blew over, roof damage, water stains on ceilings, etc. Had video on surveilence cameras. Frontline refused to cover damage. Had hire a lawyer. After a year later they finally settled after thier lawyer viewed the video and saw how violent the storm was. I had to use my Roth account to repair the house during that year. They raised my fee to $7500 a year. I dropped them for Citizens for $3300 a year. Stay away from Frontline. read more

Frontline Sucks!! Had a policy on my home, and because we were doing some remodeling ( cosmetic stuff) they dropped us. Now being in Gulf Shores, we are fucked due to a lapse. No claim ever.. This is asanine Wish they had negative stars read more

Don't bother trying to deal with them! Call Taylor Warren Weidner and Hancock to represent you. They will get you satisfaction on your legitimate claim. It's well worth their fee. Wonderful law firm that takes a team approach to resolving your claim. read more

I've had a mostly great experience with frontline. When I closed on my house they were in contact to set up the walk thru around my schedule and respected covid 19 pre cautions. She gave me a heads up on making sure my water heater was accessible but understood I had just moved in and wasn't a jerk about it. They lose a star because apparently my premium increased (just by a little in the grand scheme of things) after the first year and I wasn't notified until I got into a fight with my mortgage company about the escrow holdbacks. Would've been nice to get a heads up on that. As a mortgage broker I do get a lot of feedback from clients and overall my peeps are happy when they choose frontline. Insurance Agents I trust also say they are good about responding and taking care of claims. read more

Some of these reviews are completely bogus. I have been an Insurance Agent for over 20 years and have never had 1 Frontline client unhappy with their claim. Not one. I have had Fire, Hurricane, Wind, Water, Liability claims all made during my past 20 years. I also have my own home with Frontline Insurance for over 10 years. Maybe the problem with the claim is You, who didn't read the policy application when you signed and paid for it. Bad time to learn about what your policy covers is during a claim. If you don't have Personal property replacement cost included, you will have your personal property depreciated in a claim. Inspections are not illegal, every carrier will conduct an inspection, exterior or interior depending on the characteristics of the property. " Third degree felony" to conduct inspections, that review is laughable, Eyeroll. Several carriers went bust last few years that were completely "Financially stable"! We are stuck with limited options for home insurance thanks to past Governor Charlie Crist, who basically encouraged Nationwide, State Farm and the others to completely leave our State and just insure the rest of country without the risks of Florida. News Flash, Florida is a risk filled state, please do not make me list the risk. If you don't like the rates and carriers here...move to Montana, Tennessee, or North Dakota. Multiple water claims will get you dropped...that is with ANY CARRIER. Water is one of the most costly and frequent claim made. Replace the water connections to your toilet or washing machine and avoid coming home to a nightmare. Water heaters matter. Insurance isn't going to pay for you to fix a house that you do not keep up. There is no such thing as a 30 or 40 year shingle roof no matter what your roofer sold you. Circuit panels, there are several not accepted for what...FIRE hazards. When you sign the Application, read it!! I can only make people listen to me who want to listen to the facts. Just a tidbit , we live in Florida where we have limited carriers with more risk involved than any other State in the Country. For those of you that are unhappy with Frontline, jump into a Citizens policy if you qualify. Better yet, pay your house off and self insure. Lastly, Flood insurance is recommended. It can flood anywhere in our State at any given time. Give me 15 minutes and 15 inches of rain in a neighborhood that backs up to a brand new apartment complex and I will blow your mind. That is for another day. read more

After having them insure our house for 4 months including an onsite inspection in October, the company informed me on New Years eve that I had 6 days to replace a water heater or they would cancel the policy. This was not an issue at the time of the inspection. This was not an issue at the time the policy was written or inspected. Don't go with this company. read more

Frontline has been my Homeowners Insurance since I bought my house in 2019. They handled my roof claim without issue. It was damaged from a hail storm. The premiums have stayed low and I recommend them to everyone who needs homeowners insurance! read more

I've had my homeowners policy with them for less than 8 months. So far, they have sent me two notices of non Renewal for issues they never sent me notices on that were not even related to my policy. Then they reinstate the policy. Too much work for something that is prepaid. read more

Horrible company! Hire an engineer for our hurricane damage, and of course the engineer is working for the insurance company and his report is going to be in favor of the insurance company. On the way to lawsuit! read more

Don't bother working with this company no matter how good the rate is. When it comes to customer service you won't find less help than with these guys. They sure no how to transfer you to another voicemail...experts at that. Filed a simple lightning strike claim that has been a complete fiasco. If I can save one person,.... don't work with this company. read more

A (Fiend) worked as an adjuster for Frontline . She was former law enforcement. She told me that frontlines Request for live audio and video of policy holders dwelling inside and out was unlawful . A third degree felony in florida without proper process and permission obtained by homeowner in a correct and on tape manner which wasn't trained to staff. She said that they told her to to get video or have home owner sign a paper that say they refuse to give access to home which negates their policy even when the policy holders were willing to give access to damaged areas . Insurance companies already have to much power . But violating law without consciences is BOLD. Hope this helps some of you that didn't want your whole house interior videoed for public record . Have no idea who has access to a video of all your personal stuff . In this day and age where criminals are a-lot more resourceful. read more

The worst insurance ever. They never complete your claims in a timely fashion. I had a wind-hail claim. Had a contractor come out to see my roof within 2 weeks of the damage who said there was obvious wind and hail damage. They sent an engineer a month later who said there was none, and the damage present was due to normal wear and tear over time. I just bought this house 1.5 years ago and they got a detailed inspection of my house and roof, which did not show any "normal wear and tear" damage present, After the first 6 months of my policy, my rate increased my $900, for now apparent reason. Will not recommend this company to anyone as they are completely ripping people off read more

We heard that FrontLine insurance was the most customer friendly after hurricane Irma so we switched earlier this year and paid a slightly higher premium for our Naples villa. I just received notice that since I did not replace water heater and a valve with tool marks on it they will not renew my policy. No timeline was ever provided indicating my window of opportunity to replace a fully operational water heater or a valve that had a tool mark on it. Now we will replace this insurance company instead. read more

This company use to be good. I dos't know what happened to them. Super disppointed!! They never send me a bill to renew my policy, they just cancel it. They always tell me they send it to my email, which they don't. Called their office, emailed, with no response with anyone from their company. So long Frontline! I am going to Allstate. Much better rates and they know how to treat their customers. read more

Had their homeowners policy for one period and when it was time to renew I never received a billing and they cancelled me for nonpayment of premium. When I received the notice and called them to reinstate, they said it would not be reinstated. I said what about the 30-day grace period, THAT I WAS ONLY TEN DAYS INTO, specified by Florida Statute 627.453. They said it was their discretion as to give a 30 day grace period or not. FLORIDA STATUTE 627.453 SAYS: Grace period.--Every insurance contract shall provide that the insured is entitled to a grace period of not less than 30 days within which payment of any premium after the first may be made. Seems clear to me that Frontline needs to learn how to read the Florida Statutes that govern them read more

We have been with this company for 5 years. We recently had a random home inspection and everything came out fine, they only suggested we replace our water heater which we did. A few months later we had a pipe leak in our home and now we are being dropped! We have less than 30 days left on our policy and our claim is still open and not resolved which means we can not get a new policy!! This happened in May and we are still fighting! This has been the most horrible experience and I would NOT recommend this company to anyone! read more

Dropped me because I made 2 claims but withdrew both. They made me spend $2k to replace my circuit breaker panel as well and still dropped. **** them! read more

It is 4 months now since hurricane Sally and still claims have not been handled by Frontline. I am lucky they are not huge claims. Communication has been terrible. I was passed from on desk adjustor to another. When i first took out the policy they sent an inspector out. He said my roof looked good and then about 85 days later I got a notice i was being cancelled because of my roof. It was hurricane season and i only had a very short time to replace my roof. This was extremely stressful. I should have just stayed with my original company. They had a lower price but I see now i made a mistake. read more

Awful. Just awful. We just purchased a condo in the beginning of July and bought flood and homeowners. I elected to pay upfront for the year. Not only did they screw up our mailing address, but somehow my payment went to flood but not homeowners. I never received an email saying there was a problem - and neither did my insurance broker. Then they just cancelled my policy without notification. So, now I have a lapse in insurance and frankly, I'm screwed. They gave no indication that there was an issue and just let it turn into a huge mess for me. No call. No email. No text. Nothing. Why trust an insurance carrier who would do that to you?!! read more