Imperial fire & casualty insurance company

What is Imperial Fire & Casualty, and how does it work?

In Opelousas, Louisiana, the Imperial Fire & Casualty Insurance Company was founded. In addition to Louisiana, they have expanded into several neighboring states and now write insurance in Florida, Texas, Oklahoma, and Arkansas. They are also licensed in several other states.

Imperial Fire & Casualty was acquired by the large insurance holding company National General in 2014, and it now operates as a wholly-owned subsidiary. This provides the company with a solid financial foundation, removing any concerns about the reliability of a newer, smaller insurance company.

The acquisition followed a private equity investor's Imperial and another insurance company's purchase, which proved to be doomed and forced regulators to intervene.

The company's headquarters are still in Opelousas, but it now has offices in four states, including one in Dallas. Independent agents sell insurance policies in each of the five states they serve.

Although not all products are available in all five states, it writes about personal auto and basic home insurance.

What Kinds of Insurance Products Do You Have?

Auto insurance is available in all five of the states served by the company.

Only Louisiana and Texas currently offer home insurance.

Imperial Auto Insurance provides a basic auto insurance program that includes all of the required coverage and common options. They provide comprehensive coverage that includes rental reimbursement, towing and labor coverage, and all of the other essentials.

There's no sign of the more trendy or gimmicky options that large insurance companies frequently offer these days. While some people prefer a wide range of choices, Imperial's straightforward program is likely to appeal to those who prefer things to be straightforward.

Imperial claims to offer competitive insurance rates, which they appear to achieve primarily by keeping their products simple.

Imperial writes both standard homeowner's insurance and more basic dwelling fire insurance.

Home, personal property, and liability coverage are all included in a standard home insurance policy. Again, it appears that this is a straightforward policy with few extras.

Non-owner-occupied homes, specifically those that are rented out, are covered by dwelling fire policies. They cover rental reimbursement expenses to cover lost rent, as well as the liability risks associated with renting your home to others.

Flood Insurance is an optional product.

The Write Your Own Flood Insurance program allows Imperial to write flood insurance. This program is approved by FEMA and adheres to all of the National Flood Insurance Program's regulations. Still, it allows insurance companies to write their own flood policies within the program's parameters.

Flood insurance is available for both residential and commercial properties.

Are the insurance rates offered by the company competitive?

Imperial Fire & Casualty Insurance does not offer quotes online and only sells policies through agents. They also don't write insurance in the two states where we normally get our comparison rates. We are unable to provide a direct rate quote or a comparison to other insurance companies due to this.

The company does make some big promises about getting affordable Imperial Fire & Casualty insurance; low-cost insurance is not generally what small regional insurers are particularly known for. They keep their policies very simple, which is likely to keep rates down, but we'd be surprised to see them really competing with major direct-buy insurers.

Is it possible to file a claim online?

Claims can be submitted both over the phone and online. The link on the website, 'File a Claim,' brings you to the National General claims site. If you are making a flood insurance claim, the site directs you to call the Imperial Fire & Casualty insurance phone number at 877-254-6819.

All other claims can be filed by phone, 1-800-325-1088, available 24/7, or by submitting their claim online.

If the claim has already been submitted and the customer is looking for an update, the site provides a phone number specifically for this, 1-888-233-4575.

The website doesn't offer any details on the company's claims process, nor is there any information on how to file or what to expect.

Does the Insurer Have Positive Reviews?

Although the company is not accredited, the Imperial Fire & Casualty Insurance rating is an A+ rating with the Better Business Bureau. There is only one complaint against the company in the past three years.

Our previous review of this company had the BBB rating as B+, citing that a large volume of complaints from insurance customers was the cause. However, the previous complaint number was just 9, all of which had been responded to and closed by the company. It is nice to see the rating back up to an A+.

There are a few scattered reviews elsewhere of this company, but not many. This is partially due to the size of the company but still points to a relatively stable and trustworthy reputation.

What's the Bottom Line?

Imperial Fire & Casualty offers fundamental, solid products and is backed by a huge, financially stable company. They are likely to appeal to those who prefer to obtain their insurance through an agent and seek a good balance between coverage and customer service price.

Those who are searching for the best price overall will likely find a better deal elsewhere, but Imperial is worth a look if you are willing to pay a little more for local, personal attention.

Don't Make Assumptions.

Experts decide many insurance claims. Don't assume whether you know if something is covered or not. Although some instances involving are obviously covered by insurance, there are various factors why the insurance company might try to get out of paying you. It is essential to realize that the insurance provider could try to convince you that the cost of fixing the damages is less than the deductible. Don't let the insurance provider take a free ride in rejecting your legitimate claim. Get an experienced home insurance attorney to help.

Get An Acceptable Insurance Policy.

One of the most critical roles of an insurance attorney is to advise their clients of the insurance carriers inclined to keep their promises. That's why we made this list.

If your insurance carrier is on this list, please review the score. If it is failing, we recommend you contact your insurance agent and consider switching companies. We recommend buying insurance from one of the following market carriers:

• Allied Trust
• Universal North America
• American National Lloyds

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In case you've had property damage, and your insurance carrier is not adequately paying your claim, you need to recognize that they may be now not to your side. They use demonstrated strategies to get you to accept a tiny fraction of what you want to recover financially out of your insurance policy. We combat these companies each day, and we win. Our clients can relax knowing we're dealing with each detail of their claim and are aggressively pursuing the compensation they deserve. Call us for free to discover if you have a case.

YOU CAN OBTAIN A HIGHLY SKILLED INSURANCE LAWYER

If your insurance company has refused to honor your policy despite having a valid claim, you can recover damages based on "bad faith." At Dick Law Firm, PLLC, we are committed to fighting for the total compensation you deserve. When you retain our services, we fight to protect your rights as a policyholder.

Hiring a highly-skilled property insurance attorney will help by:

• Significantly increases the value of your claim
• Learning all of the ins and outs of your policy
• Helping you navigate the claims process and negotiations
• Validating the cause and extent of the damage
• Informing you if a claim denial is valid
• Notifying you of all relevant insurance laws

If you have been mistreated or wronged by your insurance company, you can count on us to do everything possible to rectify the situation. We aim to resolve a claim as efficiently and effectively as possible.

Please speak with our team at 833-7RIGHTS today! Consultations are FREE.