(2006 to 2014):
North Light Specialty Insurance Company primarily deals with insurance.
North Light Specialty Insurance Company is affiliated with Allstate Insurance Group.
In 2013, North Light Specialty Insurance Company had total liabilities of $181 and total assets of $47,165. Their total liabilities reached $181, while their net income was $871.
Total direct premiums written in 2013 totaled $48,122; and net premiums were $0.
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Just because they can, they choose to keep three months premiums once you cancel the policy. Wow... Who knew you could legally charge someone for a service that no longer exists. This is why insurance companies are so crooked. We have to keep our share holders happy; therefore, we're going to screw the very people that provide you with a monthly premium. Thanks Northlight, and Thanks Mr. Moran for operating such a horrible company.
Worst Accounting department and proeceudre ever
I was offered the option to pay my insurance in 4 equal payments. I chose that options.
When it was time to pay the next installment, instead of a bill, I was sent a cancellation notice. Their accounting department then denied the existence of they installment option. That started a cycle of cancellation notices and recissions of previous cancellation notices.
This company is a joke. I hope I can find new coverage before I ever need to file a claim. I can only imagine how they handle a claim.
I had a theft claim with North light. I was burglarize while at work and because I do not have most of receipts they are now treating me like I am the criminal. I would never recommend this company to anyone.
My home was correctly valued at 265,000 when I purchased this policy # 481035535. Where do you get the authority to raise the value to 398,000 and an additional $630 (pay Now}That puts the sq ft value at 142. Way off the mark. I switched after being insured with Allstate since 1970 and autos as well. I deserve better treatment than this. Plus there was NO explanation for the increase. I want an answer. James McNeil
This is a picky co who looks for reasons to not cover certain things pushing you to sign execlusions form.
I have a lot of faith in my Allstate agent but it is fading quick since they "saved me money" by switching me to North Light. First off, I am in "The Katrina Zone" which apparently is not far from the twilight zone. I switched to Louisiana Citizens after Allstate refused to renew my insurance after Katrina (no, I did not flood, but I did sustain a lot of wind damage). Louisiana Citizens was also handled by my Allstate Agent (it is know as Louisiana Last Chance Insurance) after Katrina, many insurance companies would not cover the area. After the dust settled from Katrina,7 years later, other companies began writing policies and my agent said that I would save by switching to North Light and save I did! My insurance went from $3118 to $1749. I was a happy camper! I sent in my money and they sent out someone to assess the property.
Here is where the nightmare starts. I live in a 14 sided house that is 2 stories and I live in Louisiana. The assessor said that I lived in a one story house that was 1000 sqft smaller than it actually is and that I have dogs that the insurance will not cover and therefore, my insurance is cancelled. They sent a notice to me, my agent and my mortgage company. NO problem, stuff happens, my agent calls and says that I have a 2 story, the square footage is 1750 sqft sans the garage which is an additional 748 sqft and that I don't have dogs. They send back a notice saying that I have insurance and that the dogs have been taken off and a basement has been added...to which I now owe an additional $49.80, which I have never been billed for but my agent did get yet another cancellation notice. My mortgage recieved the orginal cancellation but not the notice saying that I have insurance. The mortage company sent me a letter saying that $5008.00 has been added to my mortgage to cover the forced insurance coverage since my insurance coverage had been cancelled (which it didn't, or maybe it did? Not even my agent is sure.) Now after this nightmare and the notice that I have 30 days or my insurance will be cnacelled AGAIN (or is it already, no one seems to know). It is a month till Christmas and I will be forking out the full payment for insurance to ANOTHER insurance company because I don't have dogs, I have a 1750 sqft house that has a value of $225K in the current market but the assessor must be doing their assesments using google earth and not coming in person. My agent assures me that this will get worked out but I just get a very sick feeling in my stomach that if this is the way it is just to get insurance, what will it be like if I have to file a claim? *Shudder*.
I would not recommend this company to my worst enemy in a climate and environment that is safe from any and all hazards that may befall a home.