Business ProfileforBear River Mutual Insurance Company

I am writing this review to warn others that *** have their homeowners or renters insurance through this company. More than eight weeks ago, gigantic perfectly healthy, three-story high pine tree fell on our house, crushing one entire room, an upper deck. And roofing. Weve been paying this insurance company for over 20 years and not made a single claim when we made this claim instead of an adjuster they sent out a contractor with a contracting company who came with contracts that he wanted us to sign so they could do the work Before they even knew what the work was going to be this contractor promised to help move the pool table that was in the way to help pay for the packing material to help pay for a place for us to move all of the items that needed to be moved in order to repair the room He was very helpful until we informed him that we had our own contractor and everything changed. We had to wait for them to send out an adjuster and wait for an engineer he told us that it would take 2 to 3 weeks for him to draw plans. Meanwhile, we have huge holes in our roof , no one has offered to help with anything. We had to rip off the roof rip off the walls and underneath the ceiling so the engineer could look at the damage. This is all in my backyard in the middle of the summer. They have an offer to get a dumpster they have an offer to buy a tarp to put over the holes. They have an offer to repay us for the contractor that we had come out to rip off the ceiling that they needed to have ripped off . IWere going on eight weeks now and not one thing has been done. Their website they state it is a quick stress free process- its a flat lie! *********************

Thank you for your inquiry on behalf of our customer's son, ********************* regarding a claim for damage to her home in *****, ****, reported as caused by a fallen tree. The date of loss was reported as 06/25/2024. I have reviewed the claim and am happy to respond. First, let me express our intent to investigate and provide coverage for all damages covered under the policy. We appreciate the cooperation of **************** as we sought coverage for their damage and investigated their claim. ****************' mother is a valued customer of Bear *********************************************. We find that the claim reflects timely response to the claim report, inspection and consideration of all evidence and opinions presented as the coverage investigation progressed. This claim was reported on 6/25/2024. Bear River Mutual attempted to contact **************** on 6/25/2024 and 6/26/2024. A representative of Bear River Mutual spoke with **************** on 7/8/204. A Senior Property Claims Adjuster inspected the home on 7/9/2024. Due to the extensive damage from the fallen tree, it was determined that an engineer was needed to detail the repairs needed to indemnify the dwelling. CKR Engineering has not yet completed their report. Our Senior Property Claims Adjuster has followed up with CKR several times requesting their report. He will continue his efforts to obtain their report and will then write an estimate of repairs to indemnity the property to its preloss condition. Engineering is a crucial step to ensure the home is repair to a structural standard that aligns with todays building code. We too are anxious to move forward with repairs as soon as feasibly possible and will work with the Hommes family to conclusion of their claim. If you have any additional questions, please do not hesitate to reach out to me directly.