1 /5 Joe Carter: Your commercial account manager, Karishma, failed big-time in renewing my property/liability policies. My previous policy was to expire in March and the provider was not writing policies for Florida anymore. NavSav Ocala acquired my previous agents company "Ocala Insurance"a year or so ago so I took it upon myself to start calling them in January to see what my options were. I was assured that everything would be handled smoothly with the transition to a new provider/policy and that "thousands" of companies will be called and Karishma said it will all be handled within 30 days of my actual expiration date (in March). I called again in Feb..."Dont worry, everything is progressing as it should and I am waiting on a few more prices." Karishma said. Fast forward until the eve of my policys cancellation... I received an email from Karishma after hours (I think it was around 1AM) that said your policy is expiring tomorrow and that I needed to electronically sign the forms she attached to the email. This was the FIRST time I had ever saw these documents or any other documents from her and NavSav. I had questions... but it was after midnight!!!!!! I signed them within the next couple days and then Karishma couldnt get my mortgage companys escrow to pay for the policy... the back and forth went on and on until my mortgage company had to take out its own policy before I stepped in and had to call and handle the situation. Come to find out Karishma was sending them the WRONG documents!! To top that off, they only paid the "Property" insurance portion because Karishma split up the policies into two separate parts "Property and Liability". The mortgage company will only pay the "Property" portion. Yesterday I get a notice of cancellation from the "Liability" provider. I call Karishma and she said she had contacted the mortgage company "every day" and could not get a response from them and that I should go ahead and pay the Liability policy separately. Once again, I stepped in and called the mortgage company only to be informed that it was Karishma who failed to tell me from the beginning that if she split the policies then they would only pay the property side of things. A "group call" was initiated between me, Karishma, and the mortgage companys agent by the agent. It was during this call that Karishma admitted to NOT KNOWING about a mortgage company not paying for liability UNLESS it was included in the "Property" policy. Then I confronted her with the fact that she should have known... then she started "lecturing" me in a very snippy, defiant tone. I called her out for Fing this whole thing up and she hung up. I WILL NEVER DEAL WITH NAVSAV AGAIN EVEN IF THEY ARE THE ONLY AGENGY LEFT IN THE WORLD. I WOULD RATHER SELF-INSURE THAN TO HAVE TO DO AN AGENTS JOB FOR HER. Sincerely, PJC
