North American Risk Services
Reviews and Complaints

My business was contacted to tow a vehicle that was in an accident in February 2024. We showed up on the scene and were advised to tow the vehicle to our storage yard until further notice. 25 days later after the accident took place, North American Risk Services (NARS) contacted my business regarding the vehicle. I provided all the details requested and 5 days later an amount was agreed upon with NARS to release the vehicle via check being mailed overnight. The check never showed up. Approximately 10-12 days later the check was finally received, and NARS advised me that they put a stop payment on the check with no prior notice from NARS regarding this. Currently, the vehicle is still in my storage and NARS is refusing to pay the full amount required for the vehicle to be released. NARS has been very inconsistent and unethical.

I have had the most horrible experience EVER with this company. I would not recommend this company to anyone. I have had a claim open since August 2023 and the adjuster have been ignoring my emails and calls the entire time. Meanwhile my vehicle is sitting at a body shop racking up storage fees and I'm paying a car note. This company does not care for it's customers at all and is a total scam.

I have lost thousands of dollars dealing with this company at this point. I will be taking legal action against them.

My claim number is # ICIN23040014. I was rear-ended by an 18-Wheeler (Commercial Vehicle) on 04/18/2023 in Los Angeles. I filed a claim through North American Risk Services (NARS) on 04/24/2023. They did not make initial contact until 06/01/2023. That was to inform me that my claim had yet to start. They needed to contact the driver to confirm their insurance coverage. The driver’s company contacted me to check on me. They informed me that they had yet to hear from NARS and would contact them. I have sent countless emails and phone calls for updates to my claims adjuster for months. I am still waiting for responses or callbacks. I contacted my insurance company. They investigated and found the other driver at fault. My insurance advised me to go through NARS to have my vehicle repaired. I would have to pay a $2,500.00 deductible to fix my car. My vehicle remains damaged. I have not been able to drive it. I can no longer afford a rental, and not having a car will cause significant hardship for my family and me. I believe this is discrimination, and my case is being ignored because I am a minority. I do not think NARS is structured to help people like me.

My claim was handled quickly and by courteous adjusters. I am very pleased with this company.

We were please with their ability to help us through the process of recovering after the winter freeze in Texas.

It is always a stressful experience when there is an accident, but our Claims Adjuster,
Laura *** really went the extra mile.

The worked worked quickly to get my claimed settled during this Covid 19 situation . I am very pleased with their services and would recommend to all.

Great customer service. After filing a claim, an adjuster was out in a few days. Claim was approved the same week and settlement was received that weekend.

Quick response, knowledgeable claim adjuster. Explain the process and kept me updated via email. Pleased with the prompt respond especially during these uncertain time of the COVID 19. Highly recommend

NARS DID A GREAT JOB CONNECTING ALL THE DOTS PAINLESSLY. FROM CLAIMS OFFICE TO ADJUSTER TO CLAIMS MANAGER THEY ALL HELPED ME GET STARTED ON REPAIRS IN A VERY TIMELY FASHION. CANT IMAGINE BEING HAPPIER WITH PROCESS. THANKS

I had probably the best insurance claim experience with this group of all of the claims I've ever had to make. I wish they actually sold insurance because they would get my money instead of the companies I've had to deal with over the years that have done nothing to live up to their responsibility.

Recently had a slab leak in our foundation. Our insurance agent thought it might not be completely covered by our policy, but filed a claim anyway. Once I connected with our claims agent, I sent her the receipts and by the end of the day had the claim resolved and a check is on the way. 100% satisfied!

I had the best experience with this company when I needed to get a new roof due to hail damage. They came out and to see my room on 12/19, approved in the beginning of January, mailed my check on 1/7, got a new roof on 1/12 and then Westin mailed out my recoverable depreciation that was received on 1/25 so I got everything completed in almost a month! Also, the people I worked with at Weston were all professional!

I've never had to submit a claim for a piece of jewelry before. I was so impressed at how fast they reacted to everything. I filed my claim on a Friday afternoon by Monday morning I had heard from the adjuster. Excellent service from the beginning and they kept me informed each step of the way. My claim was approved and less than a week. They worked with my jeweler directly to get my ring replaced. Very very pleased.

Senior Claim Adjuster David *** did not handle my claim well. He did not provide the appropriate documents upon request and did not have the courtesy to following up with my claim in a proper manner. Not only I have to make a following up call with them regarding my case but also I have to handle my own claim with the other party (the other party/insurance company is responsible for the damage since they were at fault but my own insurance refused to help.) Thanks NARS.

This far is the worse insurance company I have ever worked with in my life. Brenda *** my so call adjuster never answer phone calls or emails. I leave countless voicemails and sent countless emails. No response. My claim have been going on for almost a year. Every time I call they transfer me and the phone some how mysterious hangs up and I have to call back several times only to be transferred to a supervisor that has never responded ever in almost a year. This Ridiculous is very unprofessional and unacceptable for an insurance company to take your hard earned money every month and you get nothing but the run around.

This has been my worst experience with any type of insurance company in the last 25 years. I am now on my third adjuster, it took over 2 months to get any sort of payment, which was incorrect. I email my adjuster and get no response, call and it goes to voice mail. Been waiting for my next workers comp check which should have been cut over a week ago and I should be having another one cut by the end of this week. I was told to be patient numerous times, it's been 3 months! How long does it take you folks to get your stuff together. I waited over 2 months for PT, the whole process has been a nightmare. If I could give zero stars, I would.

NA Risk handled our claim involving a large commercial truck rear ending our 1990 Cadillac. They communicated with us much better than any of the other parties involved- we only had liability insurance on our 30 year old car , the truck owner originally indicated they would like to settle our substantial damage directly, but basically wasted our time and never offered us a penny. After we told our insurance to go after the truck owners insurance NA Risk Services contacted us and progress was made. J. *** at NA Risk kept in contact with us and answered us promptly. A damage assessor inspected the car, and soon we received an offer of compensation that was fair ( actually what I asked the truck's owner / company for that they balked at ). We received our check quickly ( less a small salvage fee because we kept the Cadillac - it runs great and we want to restore it ). Overall a very good experience with this company!

By far the worst experience I've had with any company ever! It took the 1st adjuster assigned to my claim Kiah B, 2 months to finally send an appraiser to appraise my vehicle. She sent me emails, giving me approval to schedule my repairs, and also my rental reservation the next day. My vehicle was in the shop for 2 weeks when I get a call from David P. Apparently the new adjuster assigned to my claim, since Kiah was laid off. That's when it went from a bad experience, to a nightmare! David informed me that they will not be paying my shop bill because they're not liable. I was of course outraged and demanded to speak to a manager, since clearly he has not eager to help. He said he would email the manager to give me a call, of course that never happened. I actually called & was able to speak with the "manager" Renee G. When I spoke to her, she seemed to want to help and get to the bottom of things. Boy was I wrong! After the 1st contact, I was never able to get a hold of her again. Won't answer or return my calls, won't reply to my text or emails. I don't understand how an insurance company can approve your claim, and 2 weeks into shop work say, oh we changed our minds. So I'm left with my vehicle in the shop with an unpaid shop bill and without a rental. Worst company ever! With the most unprofessional employees ever!

I filed a claim with Acceptance Casualty Insurance Company, who was the insurer on a contractor who did work on my house that resulted in water damage. NA Risk Services is the claims adjuster who is working on the claim supposedly. I have provided them all the information requested, including pictures, and they have been extremely unresponsive over the past 7 weeks. The adjuster never contacts me, and the only times we have spoken (3 times), is when I reach him on the phone and he tells me he is working on it, and will provide an update in the next day or so. I then give him a week or two to provide that update, which never comes. I then contacted his supervisor, who was equally unhelpful and would not acknowledge the poor communication and updates. NA Risk's service model seems to be to delay and hope the claim goes away. Unfortunately, my only recourse left is legal, which I have tried to avoid but they are leaving me no choice. NA Risk should not be in business.

Got lightning hit on August 16. Was in hotel for 3 months. Very slow claim process and messy. Cheque comes without explanation. Partial payment like they pay for my AC but not yet pay the diagnostic. Contractors tried to communicate with them got no response. Many emails send and no response. Pay my electrical 3 months late. ALE partial payment. Electronic devices no news. Got transfer to different adjustors 5 times and still cant get a hold on anyone. Now, it's been no news for 3+ months. Got me hostage on insurance renewal. Having insurance is worser than not having now becos NARisk is out of reach and they said everything needs approval. All my neigbours having lightning hit all done in 2 months and my case still going for 8 months. The worse is no news. So far, I only receive 1 official mail which came more than a month late. The company gives nothing official. The only news I heard was from the first adjustor and nothing after. Very frastrating experience.

On sept 30 I have filed a claim for my loss. Same day as told by the adjuster I called the police to file a report. As it was done, I've expected a call back from adjuster the following day. He sent an email only, very confusing and i had called him back Tuesday oct 5th to follow up on my claim. He claimed to not know who I was, which I can understand which a large number of clients, so per request I had provided my Claim number. After speaking to him for 2minutes, asking if he had time to help me, he abruptly hung up, so I was confused if I said something wrong. I called him back, as he did not call me back after, asking if we got disconnected or he had hung up, and he went back to stating he has no idea who is talking to, after we've just talked and I have him my claim #. I asked for the supervisor, and asked the supervisor to switch my rep, due to the issue that had occurred, to which he responded, he won't be doing it, in case anyone else has attitude that I don't like

I have had Berkshire guard home insurance for a couple of years right when I bought my house. The inspection did not show any problem with the roof, it all started when I noticed a roof leak and called a contractor to have it fixed. The contractor noticed a lot of wind damage and I proceeded to call the insurance for a claim. They sent an adjuster who literally did not care and so after 20 days and me reaching out, I was told my claim was denied because the damage is wear and tear. After the storm in Texas, I called a different contractor who noticed a lot more damage and so a second claim is filed and adjuster sent. This time the adjuster for the insurance told me the roof has a lot of wind damage and need replacement. So NARS reached out after more than 10 days to let me know the damage occurred on June 6th before I bought the house which is totally not true. This time I sent the data for September 20 when my area was hit and caused the damage and still no resolution.

After reading all other complaints against NARS, it is very clear that shady business practices are the standard for this company so that consumers do not get what is rightfully owed. My claim was filed 5/27. Adjuster inspected the roof 6/4. The adjuster agreed to the hail damage and replacement was approved. Was told that NARS would contact me on 6/11. On 6/17, I finally call them and am told that he was just looking at my claim (lies). Then I'm told that depreciation will not be paid out because I was over 180 days from the date of loss. After contacting the supervisor of this issue, I was then put on trial. I was then accused of filing a claim on the home with another insurance company which was before I had even purchased this house. Months go by of being ignored, and then I had a new person at NARS take over. Here I continue to be handed the lies of "we are trying to hear back from the other company about the previous claim from 2018. (continuation in supporting docs)

Contacted Aug. 11 for storm damage. 28th was inspection. 15th September, was 10 days, i gave you 5 extra days. I called never a return call. Why not? August 10th, storm damaged garage. Put claim in on August 11th. Received email from Jordan ***. 72 hours I would be contacted. The following week I called twice, no response, I call his supervisor, Melissa *** No respose. Contacted on August21, stated I was her point of contact, Laura *** Stated on August 24, that Colin Shoemaker would be the inspection person. He arrived as stated on August 28. Stated paperwork would be filed that evening. Figured 28th is a Friday, paperwork would not be seen till Monday 31st of August. I was told to wait 7 to 10 working days, I gave them an extra 5 working days. I called on September 23 and 24. No reply. My agent was notified of the lack of promptness. He called on the 28th. As well as on the October 1st, with an email. I also called on October 1st. I am finished with dealing with people who show no respect, to the people whom are supposed to be helping not hindering.

This company is the insurance company for a firm which damaged my equipment while up righting it. THIS INSURANCE COMPANY refuses to return my calls after promising to further negotiate with me. The TINY amount of money they sent in a check does not begin to cover my loss. Stonewalling in this childish way is a poor way to conduct business. A Sales Rep. named Rene G promised to return my call several times by email. Other co. rep's. who said they were Dept. Heads also said they would look into this matter and get back to me. Nothing... since 7/23. I have spent $2,000 for the initial purchase. And I spent $3,500 to begin to refurbish an RV which would be worth $35,000 when remodeled. I further paid the company that did the damage $770.00. I also paid a professional appraiser $120 to assess the damage after the insurance co. client left. Plus having to spend another $150 on misc. ( tarps, tape, plastic, lumber ) to keep the rain out of the damaged areas. I want this insurance co. to pay me back these losses because this unit is now a total loss. And it was not so before the insurers clients damaged The RV.

I started a claim on October 2 and North American risk services have yet to reach final decision. I started a claim on October 2 and North American risk services have yet to reach final decision. I was told that it most likely will get denied and I don't understand why. I have foundation coverage and extra foundation coverage. A pipe burst and water ran from it for a few days before my husband or I noticed. The water made the foundation mess up to where every time it rain the water sits underneath it and cause it to shift. I paid for foundation coverage so it should be covered. However no one returns my calls or emails to explain why it's not covered. Me waiting over a month has caused more damage inside my home such as cracks on the walls and floor. In the beginning I was told that it can take up to two weeks for a final decision and it has been over a month. If someone would of got back with me within two weeks I wouldn't have new damage. If it wasn't covered I could of got a loan and had my foundation repaired. Now there is a long waiting list and new damage has occurred because I've been waiting so long for a final decision

North American Risk Service, the 3rd party insurance Clear Blue Insurance Company failed to follow through on the declaration,on water back up $5000 The problem started September 19 Tropical Storm Imelda. Notifying *** in Silsbee,Texas who placed us in a 3rd party insurance called North American Risk Service (Clear Blue Insurance Company) did not follow through on the water backup, the sewer continually back up into the tub when the adjuster Kendrick *** stated there was no problem when he saw the evidence in the tub and floors. The AC unit as of today leaks when it did not leak before Tropical Storm Imelda. The walls in the master bedroom was damage excessively from termites, in which the walls had to be replaced. Majority of the contents from Tropical Storm Imelda was destroyed. The damages were over the related damage of $2722.62 that NARS (3 party claims administrator for Clear Blue Insurance Company. The stress escalated from one rejection after another with NAR/ Clear Blue Insurance Company. Before Tropical Storm Imelda the home *** in Beaumont, Texas did not have these past problem. The closing of the Home was August 17 at Capital Title in Beaumont. This have been a very complicated journey, we had to live in a RV for many month until my home was livable. The insurance company did not provide just due toward the damages to my home.

No one contacting me for my final claim payment after trying to call at least 10 or more times. Not issuing my final payment for house ins. claim. On July 31 I sent in my pictures and invoices showing the work complete for my house ins claim ***. I have called the adjuster Jobert H more times than I can count without a return phone call. I also called his supervisor Todd O at *** with no return call also. I also called the insurance company direct and all they did was patch me through to them and I got a different adjuster who couldn't see any info on the claim but said he would tell Jobert to call me. Again no call. I have completed my repairs with out of pocket expenses that were to be reimbursed when job was complete. I did as I was suppose to but they haven't paid me or even had the courtesy to update me on the status. I put some pretty large charges on my credit card and now it is due and I don't have the money to pay for it and will have to pay heavy interest charges because they won't give me my final payment. I also had extra damage to another room that wasn't seen until I moved a piece of furniture. The time I actually did talk to Jobert, he said the pictures of the damage were fine and he would submit it to his supervisor for the approval of the carpet for that room and would get back to me in a couple of days at the most. He didn't and when I tried to call he never returned my calls.

We want to get the storm damage to our house fixed, but can't move forward without being able to make contact with the business We had a strong wind event on June 3, & a huge limb broke off a tree in my yard, & hit the roof of the house causing a lot of damage (Roof, ac compressor, and the ceiling inside the home) We called our Insurance company the next day & scheduled a field adjuster to inspect the damages. On June 11, he did his inspection & said somebody will be in touch. Here's where the problems start: We got an estimated for the tree limb removal, the roofing job, and the a/c repair. We emailed our desk adjuster the 3 estimates. From this point, we kept getting switched around from one desk adjuster to another. It wasn't until the 4th adjuster (month later) that we started getting anywhere. With the 4th adjuster we finally received a partial payment. We finally had the tree limb removed from the yard, but once again we were switched to another adjuster. (#5) We spoke to her 1 time, & had to go over the same information all over again. We again got no further calls from her. We were finally able to reach the insurance company again, but again we were informed that we have a new desk adjuster. (#6). We spoke with her once about the situation, & now it's been a week since we last heard from her.(It is presently September 8,) We would really like to get this finally Taken care of without getting the same treatment again. It seems like we will never get the house fixed up

I have not received any correspondence or updates for the claim I submitted on August 3. There was activity in the attic, leading to several inspections to identify the source of the noises. Findings from an Orkin inspection on July 17, by inspector Michael, included bat droppings and urine in the attic. Bats were roosting at the peak, leaving waste on insulation and storage items, damaging baffles, insulation, and soffit vents. This poses a health hazard and requires immediate cleanup. Two service agreements were made for wildlife exclusion and attic decontamination. I was contacted by Tiffany P on August 7, who indicated that Jordan would handle my claim. However, after being transferred to multiple adjusters, I spoke with Charleszetta, who took over the claim. Despite repeated emails and calls, I've only reached voicemail and have left messages, including one for her supervisor, Jack, at the provided number. My last call was on October 3.

I have a home insurance claim open for over 5 weeks now and yet to receive any monies for repairs My claim consists of a home fire case which originated in the base of my large ranch style home which caused extensive damage. It's been six weeks now and I am on 3rd "desk adjuster " G Wilson. I keep getting the run around with NO return calls as promised when he does indeed answer by chance. They sent out their own inspector and I met with him and we discussed damage and repairs and he agreed but failed to put all items in report. Initial report was completed and reviewed at $108,000.00 When in fact damage is more likely to be around $200,000. I have submitted a bill for the replacement of electric service restoration which was less than inspectors cost and they are still jerking around. I am insured by Berkshire Hathaway and I don't know why NARS is involved. I pay my premium to BH and no one else. This NARS has the worst customer service I've ever received and the quality of service is possibly the lowest I have ever seen. The lies and the lack of communication is second to none. I should not have to use my own money in a claim like this or if I do I feel I might as well not have insurance as it is pointless. This is my first insurance claim in my 56 years of life and my 5th home. I'm fed up with the run around and next step is to hire a law firm. I spoke to G Wilson at 8:05 am Friday and asked him if he had a home and if he insured it with NARS and he stated NO. He was to call me back by end of day Friday and it's now noon on Monday. When I do get to speak to someone I have been recording phone calls & have told them. I've also kept a written log of calls and way they've bounced me around. Over 40 calls in 5 weeks. They don't have any respect for people that incurred a loss.

This complaint is in regards to communication & a resolution of our case with North American Risk Services. We have insurance to reduce stress and assist in improving the financial, physical & emotional hardships, that occur unexpected disasters. It is supposed to help people! It is not supposed to further contribute to the stress, hardship & work involved in recovering from an unexpected disaster. When a claim is filed, the insurance company should handle it & the cover the costs to restore the property to it's condition prior to the disaster. We also feel that an extra expenses incurred as a result of the disaster, that we would not normally have, should be covered. It should not battle that goes on for weeks as this has. We have spent many hours trying to resolve this with NARS. This disaster happened on 8/11/8, 2021. We have hundreds of unreturned emails & phone calls regarding our case. Their voicemails say the will communicate within 24 hours. It is sometime weeks before we hear from them. They delayed repairs on our home which was under a real estate contract when the disaster happened. Their delays caused us to lose the sale of the home. The completion date listed on the adjuster's estimate is 8/16. We did not receive any funds until almost 2 months after this date. We paid for most of the repairs initially out of our savings. They missed several items on the adjusters reports which we shared with them. They told us they would resolve these issues in mid September. We have sent them all of the proper documentation & have done everything they have asked of us. It is now the end of October and we still have not received a reply from them on the items they have missed or additional items we requested on 9/17. They have not acted in good faith & have been negligent throughout this process & it has cost us a lot of money. When insurance is handled in this manner it is failing at the purpose for which it exists.

They keep saying we are going to be paid, in recorded calls and emails, but then come up with an excuse or switch adjusters and then don't pay. We were hired by the home owner the week of 11/25 and the original adjuster, Michael Y, authorized us to start the project ASAP (during a recorded phone call). We started the project on 12/219, the adjuster also told us not to collect any payment from homeowner, he would pay us right away (which is not our normal practice, but since he gave authorization and said he would pay right away, we took his word). He gave us the run around all of December, said payment was in the process, then said he was waiting on answers, would call us back, never did. We would call is supervisor, Jason W, he would never call back. Michael Y was then fired in January and a new adjuster took over, Bryant W, we had to provide all the documents again, re-explain everything and basically start over from the beginning, and have been going back and forth with him and the excuses of why they haven't issued payment. During this time, they hired a "peer review" which Bryant said to communicate with to get documents. We called him 2x and he never called us back. On 4/10 I sent an email to Bryant, his supervisor, Matt W, and another higher up in the company David Crane, requesting that they at least pay us a partial payment on what we all agree on is due and we could continue to w*** on the differences, if I didn't have a response, I would file a complaint with the ComplaintsBoard.com. FINALLY on 4/10 Bryant W called and said he had a partial payment approved, it was going to be mailed this week 4/13 (that is what the attached files reference - the email saying it was approved and the file with the payment details). Today we got a call from the home owner, that the claim now has ANOTHER NEW adjuster, Wes B. We spoke with him and he said that nothing the previous adjuster did will be honored or followed through with, that he has to start ALL OVER (this is now the 3rd time) and we won't know when payment will be issued. This is absolute craziness that this company is being ran this way. The homeowner is STILL out of her home because her insurance company hasn't paid anything to get her house fixed. This job owes us OVER $90,000.00 and we haven't been paid a penny.

The claim service of this company is the worst I have ever seen in 20+ years in the insurance industry. My husband was involved in a major accident with a tractor trailer truck on 3/6. The claim (WHKNXXXXXXXX) was assigned to North American Risk Services on 3/8. It has been almost 3 weeks since the accident and not a single thing has been done to date. We did not have collision coverage on our vehicle, therefore we put in a third party claim for property damage. I have worked in the insurance industry for 20+ years as an agent and am very familiar with the claims process. Never in my life have I seen such a level of unprofessionalism as I have with this company. Any time my husband or I call to follow up, we receive the same canned response of "the claim is under investigation" and we need to "clear coverage". IT DOES NOT TAKE THREE WEEKS TO CLEAR COVERAGE. Furthermore, no one is able to explain what this said "investigation" consists of. There is a clear cut police report that states that the truck driver was cited for "careless erratic driving", not to mention that a rear-end collision is an automatic at-fault accident. I can understand if the accident was a he said, she said incident but photos of the accident are pretty clear cut, particularly since the truck ended up at the front of our vehicle after sidewsiping ours and after striking the vehicle behind sending it into our vehicle. Even if we had collision coverage on our car, our company would have already paid and would be in subrogation at this time. My husband was contacted by the other parties insurance company to find out if he has had any luck with North American Risk Services because they too have had no response or cooperation. This, coming from another insurance company. So here we are three weeks later and an adjuster hasn't even gone out to assess the damage to the vehicle. We paid almost $600 to take it out of storage (per the mitigation letter) and a totaled vehicle is in my parents driveway as we do not have anywhere else to store it. I can only imagine how the claim settlement will be if an adjuster ever does go out! Based on the other reviews I have read, it seems we need to prepare to not receive full restitution for our loss. This is the worst claim agency I have ever encountered in 20 years. This is not how I or anyone else that has a business sense has ever conducted business.