February 2010 we lost everything to a house fire and had a 248, 000 dollar blanket coverage full replacement, we was out of a place to live except for a motel room for 6 months. we finally took all our savings plus what little we had received and bought another house older than the house we had. it took them 8 months to pay the textile company that they had called to try and clean or non salvage them, they called us several times trying to get there money we would call the insurance company they would promise to pay right away bit would not. we were also told that everything would be depreciated not replaced as the policy stated they said that we misunderstood the policy. i had this checked out and was told that everything was to be replaced at the cost at the time of loss, to this day we are still being drug around over a year later.

My son had a Home fire on 7/1/09. Cause of fire was deemed electrical. Kemper Insurance has done little to settle this claim.(As of 10/17/09) A deposition was scheduled. It was a gruely horrible defiling experience. The attorney call the insured ( my son) a liar during the deposition. When asked if a previous insurance claim had been made the answer was no. My son had been in a MVA at age 18 and was a passenger. Because he was taken to a hospital with injured they called him a liar. Never did my son feel he needed an attorney. But he did to protect him from Kemper's tactics!

Intially money for clothes and supplies was extended but now the cold season has arrived and they will not give further money or assistance. Kemper will not provide money for demolition or the rebuild. Three proposoal were submitted which were within a few thousand of each other. Now Kemper has come up with a company that will rebuild for $200, 000 less. It is in their policy that Kemper cannot low ball the rebuild.

Each month the day the rent is due on their rental property Kemper sends the money. The insured never knows if they will comply with the policy. This has caused great financial strain on this family.

This is a large insurance claim. And Kemper is doing everything they can to show examples of bad faith. How can a family with a small child rebuild their lives when the insurance company is doing everything they can do to stall or discharge the claim. Where are the rights of the insured?

Kemper is no longer writing new home insurance claims and I can see why. They are horrible. Do not use Kemper or Unitrin. You see commercials that say when you need us most we will be there. Well don't put Kemper or Unitrin in that catagory. They are heartless!

This family has been emotionally and financially stressed. You buy insurance to protect you in times of need to to harm you in times of need.