I have just cancelled our policies that we did through Wilker insurance. I shopped my own rates and found that Progressive was able to offer savings of nearly $1300 for the year with the exact same coverage. They responded when I found this and said they could only do a 6 month policy and we'd be left without umbrella insurance. As it turns out, we had no issue getting an umbrella policy which they claimed they'd be unable to provide. They also quoted less coverage for homeowner's at a higher cost to us instead of trying to get us the best rate and savings of over $500 on the premium by flipping the name of the primary insured.
My biggest concern is that they had us drastically under insured for years according to every single insurance rate calculator as far as replacement cost and I assume only calculated builder grade replacement value which would not be adequate to replace our fully remodeled house with all updated plumbing, electrical, roof, kitchen, bathrooms, flooring, cabinetry, etc.
Tom Wilker and his team's incompetence and failure to make proper adjustments to the replacement cost could have cost us a fortune in a disaster and has apparently been costing us thousands because they didn't provide us with the best options. I'm sure they provided the options that padded their pockets instead of protecting us.
On top of that, there is nobody that I've ever worked with that is ruder than Tom Wilker. He's insulting and condescending and his response is that everyone else is "scamming" or doesn't want the business.
The only thing worse than someone in sales that is rude is someone that is rude, negligent and incompetent. Take your business elsewhere. There are plenty of insurance agents out there that are willing to take a few minutes to get you the best rates and protect you and your family. Don't settle for rude, negligent and incompetent. read more