(2006 to 2014):
IDS Property Casualty Insurance Company primarily deals with insurance.
IDS Property Casualty Insurance Company is affiliated with Ameriprise P&C Companies.
In 2013, IDS Property Casualty Insurance Company had total liabilities of $737,635 and total assets of $1,268,349. Their total liabilities reached $737,635, while their net income was $11,265.
Total direct premiums written in 2013 totaled $867,257; and net premiums were $883,654.
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Worst insurance company I ever had.
In 2/2010, my roof was leaking and I contacted Ameriprise. They sent out an adjuster who determined the amount of the damage was $900+ after a $500 deductible. I disagreed and reopened the claim and it was over $1700 more plus the damage to the roof. I then requested them to determine the amount of damage to the roof, and they recommended Pyramid Roofing Company and the damage was over $1800 more. Total claim $4100+. In January 2014, my roof was leaking again. I contacted them, and they sent out an engineer, who did a report for the company and sent out an adjuster, who couldn't get on the roof, as it was a wood roof, paid for some cosmetic damages, did a engineer's report, and sent out an adjuster, who still couldn't get on the roof. The damage to the roof had not been determined. In April, while in my hallway, looking between the slats of the attic fan, I saw daylight coming through the roof. I contacted them again, a company called AOS Restoration came out and put a couple of pieces of tin over the holes, sent the roofing engineer out, an adjuster, and still did nothing about the roof, but paid for some cosmetic junk. Shortly after that, I noticed roofs being replaced by numerous roofing companies and I found out it was due to a hail storm on March 27. I called Ameriprise again, and they set up anther claim, and on September 2,2014, finally made a determination to replace the roof. They then notified me that when my policy expired on 10/21/2014, since I had 3 claims in one year, they were not renewing. I have attempted to purchase affordable insurance, and because of their fraudulent claims handling, I have trouble getting a quote or the premiums are so high, with such high deductibles, it's very difficult. Having had insurance on my homes for 46 years I have never had these problems. I've contacted the Missouri State Insurance Commissioners office and they were no help. I've contacted attorneys, and none will take this on a contingency basis. In order to avoid these hassles, don't deal with this fraudulent company.
Worse Auto Insurance ever
We had auto insurance with them for 10 years. We got into an accident and all they wanted to do was total our car even though other estimates indicated otherwise. Very inflexible and unethical. Will not look out for your interests whatsoever. Even if more expensive, go with another company. Costco needs to find another insurance partner. This company is a big fail.
Age discrimination in Auto Ins coverage
Six month later after signing, renewal premium almost doubled. Their initial excuse was my driving years increased from 48 to 49 years. Then I called again and was told the increase is due to both being 64 to 65 years old and driving experience to 49 years. After complaining of their unreasonable excuses, they suggest I talk to supervisor and put me on hold but never came back!! I have chosen this company mainly due to my trust in "Costco" and this company is through Costco. Big mistake! And this is definitely age discrimination.
Worst homeowner policy ever.
I reviewed my homeowner and auto policy for accuracy this year. big mistake. don't every ask any questions! my vehicle has 100% glass included, not for free, but you pay for this option. you cannot opt out. bogus.
Heres's the best and most outrageous story ever. I found them charging me of "Age of Electrical". When I called on 2-14-14, and explained the fuse box and outside meter socket were upgraded in 2008 (100amp service as per code here), and with a previous insurance company, the lady said, "oh, it appears we have been overcharging you for years". I will send this to the underwriter and we'll adjust your policy and refund you any premium you were overcharged." That was Friday.
Today, 2-17-14, I got a call back from another lady saying they would not be dropping the premium. so I asked why, and she said "it says here, Age Of Electrical". I again explained it was recently upgraded...and to that she said the notes provided to her said that was not enough, and I would have to replace every inch of wire, every socket, every switch. of course, being a certified home inspector, I flipped out and gave her a boatload. NEVER USE THIS COMPANY! I will be canceling asap when I get a new quote/policy this week.
Talk about your change ups
First some background, I originally had IDS as my home owners insurance when I first purchased my home, I then rented my home out which required a change of insurance. This is my experience trying to change back to IDS:
They have great quoted prices for home insurance assuming you can get them to stick to that. Our insurance rate jumped $140 within 48 hrs with no changes made by us. Then they called to inform us that "Hey you still may not have insurance because it has to go back to the underwriter." The underwriter by the way has already approved our insurance at the original and amended prices but since the cost jumped $140 in the last 48 hours we have to be re approved and if anything changes again with the price it will have to be sent back to the underwriter again.
After this call about the rate change I was sent to an answering machine to figure out what had happened then I proceeded to call the mainline. Once there the first person I spoke to I believe her name was Kimberly, was great she explained the rate change stating that our effective policy date had been changed to a month later. When I asked why she sent me to a sales representative who's name was Brandon, I believe. I asked why the issue wouldn't have been told to before when the first amended quote was told to me he began speaking to me like I was retarded. I tried to end the call by asking if I could just go ahead and pay the insurance bill, this is when he informed me that it would have to be sent back to the underwriter. I asked how many times it had to be sent to the underwriter and his reply was "well it's only been sent once." Isn't once enough? Doesn't the initial approval when nothing else has changed mean that it should be good? I'll admit I blew up I apologized despite being treated like a dunce and attempted to keep my temper in check but was informed that if I didn't speak MORE civilly(mind you I don't believe that foul language is required to get your frustration or anger across so I know I wasn't possibly the worst person he had spoken to) he would terminate my call. At this exact moment I am debating whether it would be wise to terminate my use of this business. I would just like to say that this is ridiculous, stick to your word.
Have had IDS for 12 plus years this company is better than some other insurance companys but not as good the best companys. They are very quick to respond to auto claims , they respond back to any question you have. You can pick any repair shop (the best in your area) if you choose. The down side is pay out of a totaled car is a short fall, they start with dealer trade in value and not replacement cost.
You will need an attorney to get full value of car.
I rate this company good, better than most. I still have 4 auto policys with IDS as of 1-8-2013.