AVOID AVOID AVOID
Long time clients, of Bryan Harnish but he fails to meet, even the most basic of standards. Policy contracts are never sent. To say the least…
Even a bad company has to find ways of getting new customers to replace the old, burned customers.
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Make sure, if you are planning on using Bryan or anyone, to look for insurance quotes, that you are getting the required and timely notifications, about the current policy so you can make other arrangements, if necessary.
Make sure you have the choice to choose from two products or more, more than a single carrier AND if/when you DECLINE a product; saying, it’s not the right thing or product for you, that it is not still chosen for you, anyway.
Make sure you get to choose your amounts of coverage or it may not be enough to cover everything that matters. and that you actually get to look over and approve the contract BEFORE contracts are placed, and that you actually, receive by mail, contracts in full, because a summary of changes, screenshots ordering documents that fail to materialize, may cost time and delay or complete denial of your claim. Not to mention the other costs, added stress, mounting frustrations are just a few other costs to think about.
Delays! Delays! Delays!
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I can’t seem to get, you, Bryan, to mail me all the documents. I mistakenly, put my trust in the wrong place and I’ll be dealing with that issue, later. Bryan and YOUR choice, of insurance carrier, for me, have both been paid in full but you fail to provide me the contracts. I don’t know how to make it any plainer or easier to understand…
You keep sending me, incomplete documentation, Bryan. Summaries of changes made, incomplete declaration pages and screenshots are not enough! The screenshot of you ordering my documents, was received by me. But I think you forgot to hit the send button after taking it.
Should I now, be required, to track down, all the legal notices, & disclosures, legal language of the policy/s, endorsements list, the actual forms that the endorsement list, are referring to, etc, on my own? You need to provide them, Bryan!
Worth Less! Use Less!
Yes, I’m upset! I have a claim under a contract that is, frankly, being withheld from me and ALL of the requirements that apply to me, in order to get a settlement in full are completely ‘unknown’ to me.
The thank you letters and misc. forms you keep sending me are heartfelt, but completely worthless to me, without the other documents!
You understand what I meant, and what is being asked of you.
You were ACTING as my agent, you are responsible, for sending all the contracts in full, period! And you are responsible for failing, to send me all the contract documents in full.
Three weeks and counting!
Overnight by USPS, registered mail, include a checklist outlining the documents included. Send me, all of my contracts! PLEASE!
-Sent this day, May 28, 2025 3:25pm, az time
Response from the owner:Thank you for your feedback. While I regret that you feel let down, I must clarify the following for full transparency:
As of this writing, all policy documents have been sent to you in full, including the complete contracts, declarations, and endorsements. These were delivered via email and include everything provided by the carrier at the time of issuance. There are no additional documents remaining or withheld.
I understand the importance of having access to your full policy and appreciate your desire for certainty, especially when managing a claim. However, I have fulfilled my responsibility as your agent by providing the full policy packet. If you're missing or unable to locate any of these materials, I'm happy to resend them or assist you in retrieving them directly from the carrier's portal.
Please also note:
You were presented with options before coverage was bound, and selections were made accordingly.
Coverage amounts and carrier choices were discussed and confirmed.
The documentation you refer to as “summaries” were supplementary materials, not replacements for official contracts.
I understand your frustration, especially during a claims process. However, I encourage clear and respectful communication so we can resolve matters productively. If you still feel something is missing, please let me know exactly what document(s) you believe have not been received, and I will ensure they're resent immediately.
Sincerely,
Bryan Harnish
