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So, i bought a policy from this company to insure both of my houses and cars... last year i had two claims one on my auto and one of my house.

as far as Auto, somebody tried to steal my car and they damaged it badly. hoses were pulled out of the car and the it doesn't run anymore. the car is a BMW 5 series

The adjusted decided they he is not paying to check on the mechanic of the car and i had to argue for days until i escalated it to thier top management, i couldn't figure ou tthe degree of damage on the car without a "check up" through the service department (bmw) check on the car to see the mechanical issues and where these hoses come from ... to make the story short , i ate the cost of fixing my car.

on the house, it took them 4 months to decide the degree of damage of my house because they didn't have their own adjusters so we had to suffer between the third party company and germania. if you tried to call germania asking about your claim and the third party company adjusters are the worst , very bad communication , bad attitude and you have to spend alot of time between these two to understand whats going on ... they try to go the cheapest way possible to fix the damage and i had to bring 4 companies to estimate in order to convence them of the cost of repair.

take my advise and just don't bother with this company ...... easy for them to take your money but when you need them ... YOU WILL SUFFER.

Location: Richmond, California

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Guest

Most insurance companies use contract adjusters when they have an unusual amount of claims. These are adjusters just like the adjusters hired by the companies.

They follow the guidelines of that particular company.

State Farm and Allstate all use contract adjusters. You would be complaining more if they did'nt contract out because then you would be waiting months for someone to even look at your loss.

Guest

Sad to say I am not surprised. Germania used contract adjusters when they have several claims at once.

The contractors and any subsequent adjusters appear to be slanted toward saving Germania money. I suggest looking at other insurance companies. You will be disappointed if you ever have to file a claim .

PS ignore friend of Germania. He is obviously a shill for Germania and makes ridiculouse charges against claimants.

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