North Star Mutual

I have had North Star Insurance for more than 25 years - on both my previous home and the one I am currently residing in. I had a water leak in my basement shortly after I purchased my current house (back in 2010).

I contacted North Star Insurance regarding the damp carpet and flooring - just to see what, if anything, I would need to do. I told them not to send anyone over to look at it just yet because my son was going to take a look at it first. We ended up pulling up the carpet, bleaching the floor underneath, and replacing the pad ourselves. No agent from North Star ever came over to my house (because I had asked them not to) or even gave me a phone call to see what we decided to do.

A short time later a received a letter in the mail saying that my insurance premium had gone up "due to a claim" filed. I contacted them by phone and their response was that even if they were called, but didn't actually have to do anything, they considered that a "claim" and increased my premium!!!! Absolutely crazy!!!

In over 25 years I have never had to use my home insurance for anything, yet, because of that one phone call, my premiums went up! Personally, I would not recommend them to anyone!

I knew condo association board members could be high risk, but I never heard of Crime insurance before.

I can see fiduciary liability coverage.

But selling the following to board members who boast about not following the governing documents, refusing owners-members copies of documents they are entitled.

Selling some of this coverage should be a crime in itself, I wonder if there is bank robber, diamond theft, drug dealer, murder coverage?

All sold to small condo assn. who is broke in part due to 1 or 2 VOLUNTEER assn.

board, who has their own election process.The board Pres. turned it into a family ran business. He hired himself, his wife, his daughter, son in law and friend and paid them as well..Several thousand over the expected yearly budget.

Directors and Liability coverage

Businessowners coverage

Hired Auto For Who Board members running a errand> Board members aren't supposed to be compensated.

How does anyone know if running a errand or not..Sign on line when they leave and when they return?

Employment Related Practices policy

Non disclosure of records policy

Business Protection Plus

Insurance went from $6500 to over $14,000 in 3 years and NO claims.

If board members were honest and not trying to self manage with no business or facility management experience. Self managing is costing much more in this case..

So who pays for all of that, other owners who have the same invested interest as the volunteer retired board member.

I had photos showing trees were neglected, north star would rather deny claim and hire not one but 2 attorneys than pay to fix my car. I leave you as judge , Do these trees look neglected.

They say I should not have parked there even though insured told me that is where I have to park. Agent that wrote policy said that they were neglected and that they lied about it. No one wants to help me fix my car. You can email me for more detailed photos.

These trees had fungus on them, and splitting limbs. North Star thought they were fine and did feel like they needed to pay claim.