Commerce Insurance

I purchased a homeowners policy and paid it in full only to have it inspected and reviewed two months later at which time the insurance company assessed the house at more then double the purchase price. They then doubled the cost of the policy.

I then received and addressed the survey that was submitted to justify this increase which was clearly fraudulent. I have been in the construction business for over 43 years and very up to date on current building costs. it is a establish fact that you can build a new house in MA. with upgrades for $150 a square foot and this survey co "siteline" came in over $410.00 a square foot which is totally absurd.

I submitted documents supporting this fact that were totally ignored. I was told that I could not speak with underwriter or the survey company only my agent who got nowhere with this process. I then received a bill for thousands of dollars more and if I didn't make the additional payments I would be cancelled for non payment losing my original amount paid of almost $4,000.00.

this amounts to unfair and fraudulent business practices as the survey company will not stand by there survey as outlined by there disclaimer on the survey. Any help in this matter would be appreciated.

I've never heard of this company before, a AAA agent hooked me up with them. I signed up for a year, paid up front for the entire year since there was a little discount (Dec 2017 to Dec 2018).

My term ended Dec 17, 2018. I called AAA before I left the country because I knew I needed to pay my insurance. i told them to deduct my bank account for the entire year. I went on my vacation and didn't get back until early January. I received several mails from Commerce insurance, one of them being they cancelled my insurance due to lack payment. I called AAA explaining about what happened. They told me Commerce wouldn't reinstate my insurance. I then found another insurance on my own, not through AAA.

Early Feb Commerce billed me $10 for something I don't remember. I paid. Then late Feb they billed me again for $96. I called AAA and asked what that for. They told me that Commerce continued to cover me (supposedly) until Jan 3 when I called them and asked about why they cancelled my insurance.

Basically,

- there was no warning from Commerce before they cancelled their policy;

- they sent bills in the mail but didn't follow up when they didn't get the payment;

- AAA or them emailed me once about authorization to deduct my account. I didn't remember received the email, or I might accidentally delete it. Things happened! Yet they never gave any warning when the insurance was due.

I'm a responsible person. I never missed bills. the fact that I paid the entire year the previous year didn't mean anything to them.

Due your research before deciding on using Commerce!