Church Mutual
This Church Mutual review will cover Church Mutual ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Church Mutual A.M. Best rating is A. To compare insurance rates from the best companies in your locale, enter your ZIP code below.
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Written by
Chris Tepedino
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Reviewed by
Laura Walker
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UPDATED: Nov 19, 2011
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Customer Satisfaction
Excellent customer service. Reasonable rates.
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Unhappy
At my congregation, New Life in Lake Zurich, IL, we are not happy about the recent drastic increase in premium. and will begin the process of shopping around for a new carrier.
Second, a Workman’s Compensation claim was made at the end of last year. I was almost killed doing church business. Our claim for one month of compensation was dismissed out of hand. Currently, we’ve been forced–using an attorney– to appeal to the Illinois Commission on Worker’s Compensation, and will be seeking a far greater amount than originally asked for.
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Satisfied Customer
We only have an auto policy at this time because the premiums for multi peril and umbrella policies were too expensive. We had to find another company for this coverage.
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Great Customer Account Manager
Excellent customer service. Prompt and courteous. Brian Massey came and met with us and explained everything very thoroughly and understandably which was much appreciated. When we had a claim a few years ago Church Mutual was great.
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Helpful, courteous, friendly
The folks at Church Mutual are always patient and helpful when I call with a question or problem. Policy coverage is very good and information is communicated very well. We appreciate the articles and safety tips they send us.
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Great service on our claim for hail damage!
We had hail damage to our roof from a storm in May 2018 but did not realize it until late fall 2018. We got estimates from roofers to replace the roof and when the estimate indicated hail damage, I called Church Mutual and filed a claim. They sent out an adjuster who met with our roofing contractor and submitted a claim for us. We heard back in a timely manner, the roof was replaced, the steeple was repainted and the inside of our sanctuary was repainted to cover the water stains from the leak. We were so pleased with the service and follow-up from Church Mutual on our claim. We would recommend them highly for service, cost and efficient responses!
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Don't understand
Unity Lincoln is a church. Most Unity’s insure with CM. We trust the company and appreciate being able to call and talk to a knowledgeable person when we need to. The questions here are irrelevant to us. We are not one person. These questions make no sense. I already receive the newsletter, by email & mail and share relevant parts of it with my Board of Trustees.
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Good coverage and pricing. Good customer service
We have found that the company provides us with the better service and policy for the needs that we have as a church. Pass claims experience has been great. We plan to renew as we have been satisfied with your service for several years now. just wish the cost would not continue to move upwards.
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If not fixed, you will be a former insurance Co.
Getting ahold of someone to talk about our policy always takes a plethora of phone calls, with rarely a call back.
Filed a claim this year. Could never get ahold of the adjuster. Adjuster and the claims rep were never on the same page. Had to call repeatedly and email, usually did not get a call back. Sent invoices for reimbursement on July 8 for items replaced in April. Sent more invoices in August for items replaced. Received NO response. Followed up in September. As of today -11/22/19- Still have not been paid for the September invoices. I did however receive a letter two weeks ago saying that if they did not hear from me they were going to close my claim. Salvage items were left with us, and when I finally threatened to throw them in the dumpster in August (the loss happened January 5), they told me I could dispose of them. Nobody has been rude to us, conversations are polite. It is simply irksome when you are the one repeatedly reaching out and calling trying to wrap things up, and then you get a letter saying if they don’t hear from you they will close the claim! I even emailed the claims rep about the letter- no response. Called again a week later- no response. Called three days later and finally got someone on the line.
I give this review as someone who has a favorable view of insurance companies- both my grandfather, and my father were agents for a very reputable company. I worked for my father for years, was licensed in property and casualty, and life and health. My expectations are IN NO WAY UNREASONABLE.
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We are very satisfied with our agent and company
We have a good working relationship with the company and our agent. We have had no problems with claims, billing/payments, customer service is the best! We intend to stay with Church Mutual.
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Give customers the option of monthly payments..
Small businesses and fixed income people could manage their revenue better if Church Mutual allowed monthly premium payments i.e. car, utility, mortgage payments, food, supplies and etc…
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Good
New policy and I’m the new pastor. When calling rep she was very helpful.Thank you your service. We are happy.
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Very pleased with this insurance company.
Very pleased with this insurance company. Satisfied with the coverage my policy provides.We will definitely renew the policy again.
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Most Satisfactory Service
We had a claim for tornado/wind damage and the claim was handled very professionally and much to our satisfaction. Later a hail damage claim was handled very much the same. Never have had any reason to consider any other company.
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CM works well with insured.
Our church had some hurricane damage. I called the office on a Sunday morning after discovering the damage. CM worked faster than our personal insurance company with the turn around time for the adjuster coming till the check being paid.
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Very pleased with service
Every time we have a claim or notice only claim, the response time has been exceptionally quick. If I call or if I use the online claim form, agents have responded quickly.
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Excellent Company
We have been very pleased with everything about Church Mutual. The reason we initially took out our insurance with you was because of the positive information we received from our Unity Headquarters. Certainly glad we did!!
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Best for Ministries
I have found working with Church Mutual that since they specialize they have the tools and knowledge to deliver a awesome affordable product to meet our needs.
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Fine service.
I don’t have any other church insurance experience to compare this to. We have used Church Mutual for many years.
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Satisfied
Church mutual insured the church after another company dropped us after a tornado and no one else would insure us. After a second tornado 3 years later, church mutal paid claim without question and promptly.
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Pastor
Church Mutual has always been the most affordable and dependable insurance company dealt with on a church basis. The only complaint I have is with their billing schedule.
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Chairman of Shepherd of the Hills Lutheran Church
The water and temperature sensors are a very good idea. I appreciate the text notifications as they help prevent potential problems. The agents are helpful as well
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not much communication
I called our agent to get an estimate for our new building. He told me we would be getting a call from someone to do an inspection. Never heard from anyone after that.
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Disappointed in billing payment amt
Our insurance has increased and we are being told,
the company is requiring us pay the annual payment amount ($24,959, which will definitely put us in a bad situation. If you are concerned, please reconsider. We will do our best going forward, to make our payments timely. Thanks for your consideration!
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Pastor
nothing particular to comment on.. coverage and service ok. easy to contact. periodic information is informative and timely. Policy provisions are understandable.
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Satisfied customers
All of our contact with representatives have been pleasant and professional. They take the time to listen and provide valuable suggestions and directions. We are very pleased with our policies –
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Secretary/Treasurer
We have our church buildings and our van insured through Church Mutual. We have never had to file a claim so I can’t comment on that area but when I have had a question or other reason for calling I have always been greeted and treated excellent. All questions answered in a timely manner and asked if there is anything else they can help me with. So refreshing to talk to a person and receive help and/or answers kindly. They leave me feeling like they enjoyed helping me.
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Review
Our experience with Church Mutual has been good. We have built on, filed damage claim and all has been good.
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Exceptional Customer Service & Value
I was very impressed with Scott and his team in providing a reaasonable renewal. Scott provides excellent customer service and is a joy to work with.
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Thanks!
Have never had any problems with any claims. Reps are always helpful and friendly. Never had any issues with company.
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quite good
We are a Buddhist Meditation Center. We use you because of your specialty with religious organizations. At least that’s what we assumed was the case, though your survey has lots of other categories and not that one.
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You always get back to us when we have a question.
Whenever we have called you with a question we have received an answer at the time of the call or one of your staff have promptly returned our call with an answer. Thank you.
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Excellent compnay for church ministry
Will not be writing a review at this time, because already listed above, and have not had to file a claim at this time
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Very pleased
We have been very happy with Church Mutual’s responsiveness, professionalism, and coverage.
Our recent claim and associated communication were handled quickly and easily.
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church camp
Have covered our claims, sometimes with repeated phone calls from different people concerning the same event. Eventually gets taken care of.
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Great service
Thank you for personal email service. Keep sending supportive, educational information concerning common issues of insurance and liability.
I believe you sincerely care for your clients
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Director/Teacher
Church Mutual has provided the kind of coverage we require for our small private school. Good service has been appreciated.
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Great Company
I have never had a problem with this company or any of it’s agents. The renewal process is great along with them handling of any issue during the year. Would definitely recommend to anyone needing church insurance.
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Poor timing
Your company just cancelled our coverage with about 2 months notice and declined to help us with liability coverage while we look for another company. Considering the long and warm relationship we have had with our Church Mutual representatives, we were very disappointed at the lack of interest in the effect on us.
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Great coverage with protection
We are very happy with your company. It covers most what we need in today’s expectation. We will stick to it.
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good policy that cover what our organzation needs
Not many cover an associational office that is not a church but located in a church building. You help to provide the coverage we need for affordable price.
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reasonable premium with great service
we have used our coverage at least three times in 35 years and have had great service and excellent results. We should probably do a policy review again, please call me.Delvin Hansen
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High Satisfaction with Church Mutual
Good customer service, easy billing and payments on the internet, reasonable cost, good headquarters staff, good communication, specializes in insurance for religious organization.
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coverage is tailored to churches
They provide good customer service and good claims processing. The coverage is tailored to churches and premiums are reasonable, a good value.
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fast and good response
Our agent has always been very helpful and reviews our coverage with us every year . Our agent Kevin Crater has always been available and quick to provide assistance .
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It is what we needed at the Church
Every year when we have a renewal, the policy does go up a bit. Is there a good reason other than insurance overall goes up? We are a small denomination and I am curious at the overall pricing of our policy.
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very satisfied
All communications with agents have been helpful, professional and easy to understand.
Claims have been handled swiftly and with great kindness. We are totally satisfied.
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disappointment with request regarding security sys
This fall we added several outside security cameras to our system. When our Council president called to ask about any effect on our premiums (and the call was made before the policy renewed), we were told we would have to wait another year. Really NOT good customer service.
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secretary
We had a claim with the business auto. It was handled very timely. They were in contact about injuries and needs. We have added and removed autos several times and everyone one is always very pleasant to work with.
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Chairman Deacon Board, Chairman of Administrative
Satisfied with service and company, excellent support from Bob and Rita, we appreciate suggestions and ideas to help keep our Church and membership safe and informed.
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Looking for another Ins Co
When we had a water pipe broke and caused water damage, you for some reason would not cover any of the damage. I am actually looking for another Ins Co, there are not many options so far.
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very happy
Over all, it has been a good experience with church mutual. We have no claim for the policy since purchased.
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Great service
Roof repair done with wonderful reactions from insurer and contacts made easy. Roof done in a most professional manner. Couldn’t ask for a for a nicer look.
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Very satisfied
I am very satisfied with Church Mutual and all the coverage we get for our Automobile, Worker’s Comp., Commercial Multi-Peril, and the Umbrella Liability Policies.
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your people always helpful
nothing more to add. xxxx xxxx xxxx xxxx xxxx xxxx yyyy yyyy yyyy yyyy yyyy yyyy zzzz zzzz zzzz zzzz
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appropriate church specific policy
Customer service has been good for the entire period we’ve had it. It provides the policy we need. We are satisfied.
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calendar
Tried to order the 2020 calendar but could not make it go through. Please send as we use it to post events and use of the fellowship hall.
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Pastor
We have been with Mutual since 2009. Have not filled a claim. But we have received your ‘health check-ups’ of our property risks, which is good. I would like an occasional contact from the agent who pursued us so diligently before we purchased and have maintained the policy, these 10 years. Actual contact with a person at least once a year would be nice. Who knows, it may generate more business.
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Helpful
I am new to this job, and have not had to deal with Church Mutual but once, and the person I communicated with was very helpful and informative.Thanks.
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Very small church.
We have very few members left and not sure how long we will be able to survive. Church Mutual has been good for us.
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HUMC, Hertford, NC
would be nice to hear from agent annually just to review our needs to see if our coverage is adequate
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Great to work
Church Mutual has been great to work with, every time I have a question about anything they can easily find the answer. The refund or bonus check is also a plus.
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Thankful for Church Mutual
Church Mutual has done a great job for us…Their customer service has exceeded our expectations…We are thankful for Church Mutual…
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customer service
Customer service could be better by giving timely feedback on claims. When customer asks for updates, this should be handled promptly.
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Excellent Company
Service is excellent, coverages great, cost very competitive. Ease of contact for claims and policy questions. Representative is very thorough. Renewal process easy and efficient.
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over all great
the only complaint we may have is that there is nothing to complain about!!!!Have a very BLESSED day All!!!
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very thankful for your coverage
every time i call iget fast answeres to my questions, staff is very helpful and attentive to my needs. thank you
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Great company
We have been a member for eight years plus and receive very good rates and support from Church Mutual, i recommend this company without reservation.
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We've never had any other insurance
We are a very small community (about 6-7 regular attendees) but are required to have insurance per our bylaws. Otherwise, we would not have the policy.
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Haven't been motivated to look at competition
We have been covered by CM for more than the 10 years I have been pastor here. Overall we are satisfied and haven’t felt the need to search for alternatives. We like being insured by a company that recognizes how churches are different from businesses. One thing that REALLY annoys me is constantly having to do payroll audit updates. I’m the only employee, and that has not changed for 10+ years now. Surely there must be an easy way to indicate that there have been no changes without having to fill out and return the stupid form every few months?
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I asked my agent to file a complaint about servic2
We asked our agent Rikki Stapp to file a complaint on a water damaged claim that was denied
Almost 2 years later we have had no response from the complaint. She promised it had been done. Where the truth lies I cannot say. But we have been denied a fair hearing from Church Mutual
Christian Fellowship Church of God in Christ
10700 Chicot Rd
Mabelvale AR 72103
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Great Service
I’am happy to be in relationship with Church Mutual, so far its been great. Our church is satisfied with the coverage and we have no intentions of going anywhere else.
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Easy to do business with
Easy to work with. Known as the premier church carrier. Knowledgeable people to work with. No complaints whatsoever. Coverage needed, provided.
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Good company
Good customer service. Good company to work with. No problems to report. Plan to renew when time comes. Thank you.
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Great company with which to work.
Claims department is easy to work with regarding filing any claim. Also like how one person is assigned to your claim. Considering our ministry has had several unfortunate/unforeseen situations triggering claims filed in past 5 years – Church Mutual has not sky rocked their pricing to us or dropped us as a client. We appreciate the company continuing to be our insurance provider. I also appreciate that the company sent a Risk Control Consultant to our ministry to point out ways we can make our ministry safe etc.
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Agent Maria Allen is awesome
Agent Maria Allen is awesome. She is very professional, efficient and prompt in her response to our needs or requests.
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Great service
The customer service I experienced was one of the best I’ve ever had. I’m a customer service representative myself and Alexandria was exceptional, knowledgeable, courteous and very sweet. Very helpful. Kudos to you for your excellence.
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Quick resolution of claim
On calls for answers about possible claims, return calls were prompt and polite. When a claim was filed, adjuster was quick to respond and we were completed in a timely manner.
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We are satified with our policy
You do more than take care of our needs as a church. If we have question, we call it is handled quickly.
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Good Church Insurer
Church Mutual knows churches and has always done a good job of insuring them. They understand what churches need and should have coverage wise.
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If we needed help you are here.
We have been kept informed of any changes in our policy before the changes were put in place. We have had only one claim since we changed to Church Mutual. We are satisfied with our coverage.
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very happy
no issues at all very happy with insurance had a claim and thet took care of every thing in a good way
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Never ,Never ,Never again !!!
Never again,customer service is not in their vocabulary.They tried to nickel and dime us to death and took forever to give us the pennies they gave us .I will never recommend them to anyone
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Church Mutual is huge rip-off
Church Mutual is not a company you want to insure with if you are looking for a professional and honest company that cares about the consumer.
We had a theft of air conditioner copper on a 10 ton and 30 ton air conditioners. Church Mutual did not want to pay to have the air conditioners replaced and gave us pennies compared to what it cost to get the units repaired. The claims adjuster constantly lied about the claim. This company is dishonest and preys on the churches insured with them. I would not recommend this company if you want fair and honest coverage.
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not good
My wife was hurt at our local church. We got nothing from them. My wife slipped and was injuried and never was the same. This insurance company is a rip-off. We had over $50000 in medical bills. Not a dime from them to help out.Dont be trap in this crap. Stay away.
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Customer Service Review
They are a great insurance company and have been great to the church… they answer questions and do whatever is needed.
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Things that make you go hmmm...
I noticed that all the positive reviews for Church Mutual came from the same User Number. Why would that be?
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Took premiums NO COVERAGE
On May 22, 2016, I submitted a supplement to Office of The Wisconsin State Commissioner of Insurance, that included 4-documents directly from Church Mutual Insurance Company, produced in 2012 and 2013, and an email from the MO Dept of Insurance, produced in 2013, related to the complaint I filed with the (DATCP).
On May 26, 2016, I received an email along with a “Cease & Desist from filing any more consumer complaints letter” , dated May 19, 2016, from a law firm (Bassford Remele, a Professional Association, based in Minneapolis, MN) representing Church Mutual and company employee (though she seems to be unregistered, and unlicensed in any State, pursuant to the Wisconsin Supreme Court Rules, Chapter 20, and Chapter 10, related to the required registration of In-House Counsel), Dawn DeKeyser, threatening me with legal action.
The second and third paragraphs of the d “Cease & Desist” letter specifically state that Church Mutual is well aware of my complaints to governmental agencies, and that I am to “Cease & Desist” from pursuing my Civil Rights to seek redress by petitioning the government (1st Amendment to U. S. Constitution) in violation of my CIVIL RIGHTS. My complaints relate to 3-commercial insurance claims that were all DENIED by Church Mutual.
Church Mutual seized thousands of dollars $$$’s in U. S. Currency, over 25+years, (4th Amendment to U. S. Constitution) allegedly for premiums to pay for commercial general liability, and indemnification insurance coverage for Gospel Temple Church of God In Christ, Inc., and its’ Directors, Officers and Trustees (I have been an officer and director for 11-years), that Church Mutual Insurance Company is now saying the coverage NEVER EXISTED, which to me is equal to illegal seizures ““ THEFT OF INSURANCE PREMIUM MONEY$$$’s from a small non-profit organization, while providing NO COVERAGE AT ALL.
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Not returning calls on Claim!
I would recommend nobody do business with these crooks. I give them a 0 on everything. We will drop them and spread the word how this is a front trying to lure good Christian Churches in.
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Very Disappointed
We are a good sized church with a $25,000 annual premium with Church Mutual. We had never filed a claim and had followed their policies and dictates thoroughly. We had wind damage and finally filed a claim-the customer service has been disappointing. The claims adjustor told us first day-probably defective workmanship (the wall we filed claim on was built 30 years ago). We have been over 4 months since we filed the claim and now our agent has gone silent. As the engineered we hired for a 3rd party review stated- just the typical insurance company trying to wear you down so they don’t have to pay. It’s disappointing that a company that works with churches treat good church clients this way.
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Run away
There was a fire at our church and it totally destroyed it. Church mutual treated us like criminals, or niggers trying to get over. we lost our daycare and church and workers lost there jobs. We had to support them with our savings, we also had to pay to get the building torn down. Our policy was worth money, mind you they gave us a little bit. Mind you they called into my my daycare agency and had me and parents
Investigated and my fund cut until the investigation was over after 2 1/2 years still wating
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