Armed Forces Insurance reviews and complaints

I am writing this review to direct the attention of the "Chairman of Armed Forces Insurance (AFI) and Management Team". Most importantly, to the people who are looking for a homeowner's Insurance or already a customer of AFI.
I have been a customer for more than 32 years with 0 claims. I paid all my dues on time and in full. I switched insurance carriers on September 6, 2018, because I felt AFI failed in their mission to protect me. They treated me unfairly as if I do not exist.
Here's why:
July 25, 2018, around midnight. Water leak coming from behind the ceiling in one of our upstairs bedroom. Saw leak coming from the edge of the air conditioner. Decided to wait till morning to save on emergency call.
7/26/18, Called AFI, transferred to the claims department. Explained the problem, given a claim number and told "KG" is our claims rep but she is out of office. KG called while we were out. She left a message for us to call back. We called back and spoke to KG. KG said the source of leak not covered. Will cover only damage caused by the leak. KG gave the go-ahead to call a plumber to inspect and possibly repair the leak. List of the local contractor not available. I will need to contact a plumber to effect a repair. The plumber found the leak but cannot repair. Need to call HVAC tech. I called HVAC tech and got an estimate. Another company came to dry the room and clean up the mess.
7/27/18, Called KG twice to give her an update and to ask a couple of questions and advice. KG out of office, I left two messages to call me back. Never called back.
8/6/18, I emailed KG reminding her that I am still waiting for her reply and her a couple of questions and advice. No response.
8/10/18, I sent a direct message to the Chairman complaining about KG non-response to my call and email. KG finally called. I explained to her what happened. Again, she said the repair estimate by the HVAC tech is not covered. However, the rest of the repairs are covered but not the service call for the plumber. When I reminded her that she gave me the go-ahead to call a plumber, she said it's covered.
8/16/18, I emailed KG to ask her a couple more questions. I thought I would get a quick response this time. Again, no response.
8/28/18, I wrote a feedback on AFI FB page about the continued non-response (for the second time) of KG. Got a call from claims supervisor DE. DE said their record only shows my last contact with KG was on 8/10/18. I said I would forward him the email I sent to KG. DE answered my question and apologized on behalf of KG. I recommended a written counseling for KG but to date; I have not received any communications back from AFI. Lesson learned: Always take notes and if possible, use email.
Conclusion: I believe the root cause of the problem at AFI is the culture of "if possible, do not pay" from their claims department. This kind of attitude only happens because, in my opinion, their Chairman and Management Team do not care what their customers (not members) say as long as they make money. Here is what I always told my sailor supervisors before; "You can delegate all you want but if you don't follow up, you will fail as a leader".
AFI mission statement of "To protect the people who protect our nation" is the exact opposite of what they did to me. Please do your due diligence very carefully. Buyer beware of AFI!

We just got notice today that Armed Forces Insurance is raising our automobile premiums by $235 a year. When we called about it, they think it's completely fair since my husband filed a Chapter 13 after his retirement income was not enough to cover our bills. In 20 years, neither of the insured, myself or my husband, has had an accident or moving violation. We have kept our insurance current. So not only are we old, (66 years, both of us), my husband is retired military, retired federal employee and have an excellent driving record with no claims, and are now on a severely fixed income, this is what we have to deal with. Have these people have no conscience? They say they have only begun to do this--to use credit rating in their computation of premiums. We will be buying insurance elsewhere, even if we do pay more.