BMI Company, Inc. - Billings, Missouri

Kate Balzer

When I had my carpet put in, they stole a bunch of my deceased father's items out of the garage and my high-end purses, so I opened a claim.After I filed a police report of course. I have never had such a traumatic horrific experience going over this again and again and again and again with the insurance companies adjuster. What I asked for was the price for the purses being "used". Not the price for purses "new". We argued over the price of the cameras that belonged to my dad and the tripod over and over and over. We argued over the price of my mother's dishes. That had 24 carat gold around the edges. The insurance agent NEVER came out to take a look at anything ever. I HAD THE BEST PICTURES I COULD!! HE COULD HAVE COME TO SEE IT ALL IN PERSON FROM WHAT WAS LEFT!!!The amount of money I was to receive was pathetic $623. Then I had to repurchase items and send in receipts at the end of the month. AND HOPE FOR UP TO 1/2 THE PRICE REFUNDED, WHATNot only that during this whole event, I had to track down the police department officer, who went on maternity leave, sent him the paperwork from 3 different computers and then from ups store and the detective with no phone # or e mail and make sure that they had ALL the pages that I listed that the insurance co has these items on. ( YES I HAD TO) Because they couldn't keep them informed...this whole thing has been absolutely ridiculous. I did all the paperwork. I did all the tracking down. I did all the legwork. I am disgusted at how this company made me do all the work. And then made me feel like I'm trying to get something from them, like I had tried to get something for nothing when they never came out to take a look at what was here, what little I have left of my family's memories. What little that they didn't steal? I am disgusted, just disgusted. If you want to be treated with respect and you want a company to really come out and do the job, right, you need to hire anybody, but BMI do not ever think twice about using this company. You will go through hell if you try to open a claim with this company!!!
The whole process is extremely exhausting and you re live the trama over and over until you say you can't take it anymore and then they win.......
Horrific company!!!!

Cherish Heydenreich

Do Not Use this Company!!!!! They are frauds and WILL NOT PAY!!!!!
If I could give this company zero stars, I would! Our home was damaged by a tornado in May of this year. We had major damage to our property . We lost 9 trees that all landed on property. Destroyed our detached garage, shed and privacy fence. We also had damage to our roof, siding and gutters.It took 2 months to find out anything about our claim. They only paid $500 total for all the trees. BMI Said it would take 2 men 4 hrs to clean up. Is what they wrote on the claim. It actually took 8 people 4 days with machinery to just get the trees out. That does not include anything else. Then because we live in a 100 year old home they depriciated all damage to the house to to Les than $500. Then they tell us that there is an 12,000 maximum for damage to outbuildings. This company should be shut down for fraud! Do not use them. They will not pay your claims. We will be canceling our policies.

Nicholas Oh

Terrible experience overall, listen to what the other reviews say about BMI only being out to protect themselves! Have had insurance with them for about 2 years since I bought my home, since then the few encounters I've had with BMI have all been terrible, BMI will send their lackeys to find things wrong with your home so you can be the one shelling out cash, we recieved a random 'routine' inspection followed with a letter stating that our trees were too close to our house and they had to be cut or they would drop our roof coverage, we did this promptly and to the exact directions stated by BMI paying almost 600-700$ to have the work done. Recently, through all these storms and hail we had a guy come take a look at our roof and he did find a good bit of damage on the roof and even let me climb up there with him so he could show me the damage directly, all the surrounding houses around me got new roofs as the storms were pretty gnarly, I knew it was gonna be rocky when even trying to call BMI they could not find my policy and bounced me around Auto Owners Insurance, FCNB and BMI so theres are some names to keep an eye to avoid aswell! Tried to submit a claim with BMI and did the normal routine of scheduling for the adjustor to come out and take a look, similar to another review left about adjusters being shady about how and when they show up. I wanted my contractor to be there with the adjustor as I am no expert when it comes to roofs so I scheduled this with both of them to be present at the same time, the time comes and my contractor does not show up. This obviously would peeve anyone so I called him to find out what was going on, and the contractor states that BMI contacted him that I changed the appointment date The adjuster that came to our house was named Monte, and the experience really left a sour taste in my mouth, Monte did not want me to go onto the roof with him to show what the contractor showed me and spent maybe 15 minutes up there poking around and taking pictures of things OTHER than the roof. Afterwards he comes down and tells me the roof is perfectly fine and that it was in really good shape and that they would be denying the claim. And he really just gave this vibe that he was blowing smoke and a talking down feeling about even suggesting the roof had damage.

I explained to Monte, that obviously I am getting some very differing opinions on the roof and that I really would like to have my contractors opinion involved with this as he took pictures and chalked all the damage locations during his visit and he could definately could provide those photos to BMI, he told me "Well I dont work for that guy, I work for BMI" And this really just rubbed my the wrong way to a company I pay over 2,000/Yr to do nothing apparently. Where does he thinks BMI gets their money for his paycheck? I also relayed this information to my contractor who states he has tried to contact BMI multiple times and they will not return his calls (also similar to what another reviewer has said)

Several days after he leaves, I get ANOTHER letter in the mail stating that BMI has recently completed an inspection on my property and found that lo' and behold, my trees are too close to my house and need to be cut back, the roof on my home leaks and needs to be repaired (The irony of it honestly made me chuckle, funny how monte never even went into the attic to see something like that) and that the pool on the property was a liability and needed to be filled or blocked off. Ignoring the fact that it was not a scheduled inspection and Monte was supposed to be there to do a roof claim, that pool's been unchanged since the day we bought the house, its interesting that now its a problem as soon as you start to stick your fingers in their pocket that youve been dumping money into for the past 2 years.

I will not be doing anymore business with BMI and they will not be getting anymore money from me. I've already switched insurance providers to AAA and my premium is 50% of what BMI was charging me for MORE coverage!!!!

Stay away from BMI

T K

Mike Whitesel was the adjuster we dealt with on an accident my teenage son was in a few weeks ago and he went above and beyond- he was courteous when talking with myself, my husband, & son which isn’t always the case in accidents involving teen drivers. He was quick to get everything turned around & moving for us so we could move past this, answered questions quickly and in terms we understood, & BMI had everything closed, settled & check to us in days. Highly recommend BMI!

William Doyal

Great as long as you don't expect them to pay a claim. Make sure if they insure your home that you can pay out of pocket for a new roof and have funds to pay an attorney a retainer as I am going to do. They will send a joke of an adjuster to your house to try to convince you nothing is damaged. Low class people who absolutely know they are frauding people.

D G

What a worthless insurance company. They denied a straightforward claim by completely omitting the paragraph in the policy that describes my situation, and stretched the interpretation of another paragraph to base their denial on. When challenged on the facts - they just dug in and stuck to their denial instead of doing the right thing and taking care of their customers. What a crooked way of doing business.

Justin Fanatia

Absolutely one of the worst insurance companies out there. I have my house with them so I tried to add my cars. I met all their criteria but they denied me. My agent went round and round with them and they still said no. Mind you I already sent them a cashiers check for two months of premium. Little did we know until a month later that instead of sending the check back to me, they sent it back to the bank. This has caused me to not have $300 for up to 90 days as the bank can not locate the check that was supposedly sent back. I have to wait 90 days to see if and who cashes it before I can put a stop payment on it. Had they just approved the policy because I met their criteria and accepted the payment it would have been all good. Had they just sent the check back to me which is what should have happen I could have cancelled it. Instead, there is now a $300 check that is lost because this company is incompetent. DO NOT USE THIS COMPANY.

Sydney McIntosh

We just recently bought a home and BMI Company picked us up for coverage. Our agent called us demanding money because our loan company "short paid" BMI. However, we found out by our loan company that our policy increased without our knowledge. Then we received a check in the mail with a letter stating BMI was dropping our entire roof coverage. When we reached out to our agent, she had no clue what was going on. After she spoke to BMI, they stated we had significant hail damage and would not cover us again until we replaced our entire roof. We climbed our roof and didn't find any "significant hail damage." We then climbed our carport, only to realize our "significant hail damage" was nothing more than a few dings in a ventless vent. We had many roofing companies come look at our roof and no one agreed this roof to our CARPORT needed to be replaced. According to the policy, BMI has 60 days after the policy is instated to modify or drop coverage for any reason. BMI's inspector didn't come out until 74 days after our policy began. Also in their policy, they are supposed to give you 10 days notice for changing the policy. We were not notified. I did give them one star because when we cancelled our policy and asked for our premiums to be refunded, they did refund us. However, I would not encourage anyone to insure anything through BMI.