Complaints
This profile includes complaints for Auto-Owners Insurance Group's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 247 total complaints in the last 3 years.
- 95 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:10/28/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This involves the lack of service by the insurance company contacting and handling my loss due to hurricane ******* It has been over a month and we have not heard from the adjuster. The company got a rental company to put us into a motel stating they would find housing in 3 to 5 days but 2 weeks later no change. We have called and texted the company to voice mail and no call backs. Our premium is paid but service is poor. Our home will not be liveable for a month or more. Can you help?******* R ****Business Response
Date: 10/31/2024
Thank you for the opportunity to respond to ******* *. We reached out to ******* *. and addressed his current temporary housing needs. We will keep in touch and provide updates as we continue to learn the full extent of damages and how this may affect his additional living expenses going forward.Initial Complaint
Date:10/25/2024
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Better Business Bureau Subject: Complaint Against Auto-Owners Insurance for Misleading Claims Settlement Process Claim Number: **************** Dear Better Business Bureau,I am filing a complaint regarding the handling of my claim with Auto-Owners Insurance. On October 11, 2024, a driver insured by Auto-Owners ran a stop sign and hit my vehicle. I filed a claim, expecting a fair settlement based on my cars value and Missouri law. However, Auto-Owners response has involved what I believe are misleading practices:1.Improper Valuation Comparables: Auto-Owners offer undervalues my 2012 ******** CTS 3.6 Premium by using 2012 CTS 3.0 Base models, which have a lower market value.2.Retail vs. Private Party Valuation: When I questioned the valuation, a representative named ***** informed me that Auto-Owners was only required to pay the private party value, though Missouri law reportedly requires the retail value.3.Retaliation for Disputing Settlement: On October 25, 2024, when I expressed my dissatisfaction with the settlement, my rental car was abruptly canceled by the representative.These actions appear to be in bad faith and may violate Missouris consumer protection and insurance regulations. I am seeking a fair settlement using accurate comparables and a reinstatement of my rental vehicle access.Thank you for assisting in this matter.Sincerely,****** *****Business Response
Date: 10/31/2024
Thank you for the feedback on your claim. Auto-Owners evaluates vehicles using common methods, such as obtaining values on comparable vehicles. It is rare to find an exact match for any vehicle, so adjustments are made to account for variances,based on known costs. We provide copies of the evaluations so that consumers can review the comps and the adjustments made. Individuals may also provide their own comps for review. At this time, we have worked with Mr. ***** and resolved this claim.Customer Answer
Date: 11/04/2024
Complaint: 22475107
I am rejecting this response because:Heres a refined response that includes the link to the comparable vehicle:
Thank you for your continued assistance with my case. Im reaching out to clarify my concerns regarding the valuation process for my vehicle.
The insurance company informed me that they couldnt find a comparable model, so they opted to use a lower model for the valuation. This approach does not accurately represent the value of my vehicle, and I believe it undervalues my claim. Additionally, the insurance adjuster asked me to conduct my own research to locate comparable vehicles, which should not be my responsibility as the insured.
After my own efforts, I found a comparable vehicle located within the **** that closely matches my model. I provided this information to the adjuster, including the listing, available at this link: ************************************************************************. Despite this, I was told it could not be used in the valuation, even though it clearly meets the necessary criteria.
I am simply seeking a fair and accurate valuation that truly reflects my vehicles worth. I would appreciate your assistance in ensuring that the insurance company upholds its responsibility to properly assess my claim.
Thank you for your help in resolving this matter.
Sincerely,
****** *****Business Response
Date: 11/11/2024
We appreciate the opportunity to further clarify. The Company did find comps local to Mr. ****** that were used in evaluating the vehicle. The value of the vehicle was affected by its status of having a salvage title. In addition to condition, mileage,and title status; location is a large factor in the value of the car. The comps we used were local to ********. The link in the complaint is for a vehicle located in *************, far outside of the market area where a replacement would likely be purchased.Initial Complaint
Date:10/15/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
We have a claim that has been approved for payment- plumbing issues related. We have additional living expenses on our policy. Our claim was 8.26.24 ***** ****** is too slow. She didn't send a preliminary adjustment until 9.19.24. Our contractor is not getting responses on supplemental adjustments things like incorrect tax rates and precedent set by our state cases like 80% damage. They started work on ***** and she hasn't extended our hotel stay. She hasn't replied to my 2 calls or 3 emails about it and she hasn't paid for our parking at hotel. This is standard stuff-we have loss of use on our home- no kitchen. We called her over and over when our hotel keys got deactivated with dogs in room and Abt 5K worth of personal property in it. People do not get your homeowners insurance with this company.Business Response
Date: 10/18/2024
We have had an opportunity to review the concerns expressed by our insured. Our branch has been in touch with our insured to discuss their concerns, and continues working to resolve the claim.Customer Answer
Date: 10/18/2024
Complaint: 22425775
I am rejecting this response because:Since my original complaint your adjuster did not reply to my email. I had to call her. When I called her I informed her that we were charged for parking at our hotel ****** that should have been covered. This still is not refunded. She did not approve parking fees initially I had to argue about it. She has not extended our stay per our contractors estimated completion date. She extended our hotel stay to 10.25.24 when our contractor stated completion date was estimated 30 days from start date which was 10.11.24. so 30 days would be 11.10.24. She informed me that our contractor had to give her a reason for delay regardless of my not being able to control that or having the right to this living expense and her delay in responses and incorrect information is also causing delays. She also stated that tax rates for materials were based on my home address - no I don't sell cabinets or flooring or subfloors those must purchased in my hometown for 8.1% tax rate. On my granite she admitted that Alessi V Mid-Mo insurance company was valid but would only pay for all granite if my contractor could prove it's discontinued. My contractor already explained it's stone a mined material at different depths and it's impossible to find a like item as it is 6 yrs old. It's ridiculous that I had to call her versus her responding, that I have to get locked out of my hotel room, charges for parking I have coverage for and I have to argue for things that have been documented or in the case of the sales tax a common sense item. The tax on materials is determined by where you buy the materials, not based on my superb address outside of city limits with no city sales tax. The places to buy materials is in city limits of **************. I would like to request a call back from ******* supervisor or just have someone tell her to pay for the sales tax where materials are bought, extend my room to the contractors estimate I hate staying there and will be home as soon as I can if they finish early and to use the original reply from my contractor on the granite- 80% is damaged all need replacement as it's in the line of sight in the kitchen. I have a replacement policy this will get the kitchen as close a possible back to the original condition.
Sincerely,
***** ****Business Response
Date: 10/21/2024
Thank you for the additional detail. We continue to discuss the details of this matter with our insured, and have requested documentation to assist in moving forward, and resolving the open aspects of the claim.Customer Answer
Date: 10/21/2024
Complaint: 22425775
I am rejecting this response because:Jamie's supervisor called me, I went over the details that I outlined in my rejection. She was to reach out to the adjuster and reach back out to me. I have no answer on any of my concerns yet so it's not resolved. My contractor submitted photos and information last week with no reply. Please don't state this is resolved until you let me know the actual resolution.
Sincerely,
***** ****Initial Complaint
Date:10/10/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Home Owners Insurance Claims 300-0219124-2024 April 2024 300-0350239-2024 June 2024 Complaints:*Failure to fairly, adequately and accurately investigate the totality of damage *shuffle responsibility for damages between claims in order to avoid paying for same *force contractors of choice to format proposals to insurance specifications, insurance cannot dictate to a private business on how to conduct business operations *failure to adequately and accurately utilize insurance exactimate softwear preferences, parameters and settings to provide estimates *failure to make accurate diagrams and notations in said estimates *failure to provide estimates to replace actual materials (ie. non-standard wood door w/ half moon glass light to be replaced w metal door standard dimensions; faced insulation to be replaced w unfaced?)*attempt to coerce use of specific contractor because favorable to insurance estimate *have a contractor hired by insurance adjuster come to our house, when contacted said contractor to make appointment was told that insurance adjustor cancelled *don't think that adjustor knows what he is doing with regard to contractor activities but evidently just knows how to behave to enable insurance to avoid paying out on a claim *understand we cannot use our front door and are obliged to use our back door as sole means of ingress and egress *understand that the parade of contractors we have contacted have had to traipse thru our bedroom since that back door exits from our bedroom *understand that insurance has made unreasonable demands of contractors and have failed to meet the standards of line item detail that they are demanding of a third party *feel that insurance is preying upon us due to socio-economic circumstances, limited financial resources and fact that the home is owned outright and not subject to the secured interests of a mortgage company w a stable of attorneys to protect that interest and make insurance fix damagesBusiness Response
Date: 10/21/2024
The branch investigated two separate losses involving wind damage to the Muse's home and has been communicating with the Muse's representation involving both claims. The branch also recently responded in writing to similar concerns in a formal venue outlining our position. Thank you for the opportunity to respond.Customer Answer
Date: 10/21/2024
Complaint: 22407957
I am rejecting this response because:This matter has been unnecessarily adversarial. The issues as outlined in the complaint have not been addressed or resolved. Our home is still damaged and not repaired. The claim has not been re-evaluated. The inaccuracies relative to damages and costs to repair same have not been addressed. Just found out today that apparently the Adjuster still hasn't paid out to the tree service for tree debris removal on the June 11, 2024 claim???
On-going communication does not constitute any type of actual resolution.
Sincerely,
****** ****Initial Complaint
Date:10/09/2024
Type:Order IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Auto Owners Insurance Company refuses to pay an automobile claim where we were rear-ended. They are giving us a run-around. No one, anywhere, in this organization is responsive.Business Response
Date: 10/11/2024
Thank you for the opportunity to respond to Ray C. The branch spoke with Ray C. by phone on 10/8, 10/9, and 10/10. We also spoke with the driver of Ray C.'s vehicle on 10/9 to obtain their version of events to complete our liability investigation. We communicated our decision to accept liability 10/9. We explained this again on 10/10 and what was needed to issue payment. The branch will remain in communication with Ray C. and address questions he may have as we work toward a resolution.Customer Answer
Date: 10/14/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 22404496, and find that this resolution is satisfactory to me.
Sincerely,
Ray CullingsInitial Complaint
Date:10/08/2024
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I had my roof inspected for hail/wind damage. The roof company inspection reflected hail/wind damage. I filed a claim for roof damage around 8/1/2024. Auto Owners sent a claims adjuster to verify and assess the damage. The adjuster agreed there was damage and recommended a new roof. My claim was assigned to claims representative, ***** *****. On 8/9/24 I received correspondence from Ms. ***** denying my claim, although she acknowledged in her letter that the inspector revealed hail damage. She stated hail reports found hail in my area over a year ago. The Benchmark Weather History Report reflects hail in my area on 6/21/24, the date of claim. I challenged her denial. She asked for additional information and pictures which were provided. She then decided to send an engineer to my home to inspect the roof after it had already been inspected by their claims adjuster. I had been told this is what insurance companies may do to support a denial-to pay the engineer is far less than paying the claim. Of course the engineer said there is no damage and the claim was denied again. (odd that she already acknowledged hail damage in her letter to me but magically the engineer stated there wasn't ... someone is not being truthful) There are now at least 12 homes right in my small neighborhood that are getting a new roof from hail/wind damage. Many of those homes are insured by Auto Owners, some by other insurers. We ** customers have had different claims representatives assigned to our claims. I was the only one assigned to ***** ***** and the only one denied. I know we all have the same weather in our neighborhood. There is major inconsistency. This is unacceptable. A policy is a policy and claim approval shouldn't depend on who you get as a claims representative. Clearly Auto Owners does not have standards and I have been treated differently. I requested a copy of the claims adjusters report but was told by Ms. ***** in a message that the report wasn't available.Business Response
Date: 10/09/2024
We appreciate the opportunity to review this matter for our insured. Our decisions are based on the facts as we understand them throughout the case at hand. Our branch made an initial decision which was disputed. An engineer was hired for their credentials as an expert, to take a second look.This engineer found no damage, which contradicted the initial findings by an adjuster. While, we hope that a second look at a claim can find a favorable result for our insureds, we make our decisions based on the facts as we understand them. Our branch will be in touch with our insured to discuss their concerns and how our decisions were made.Customer Answer
Date: 10/11/2024
Complaint: 22396597
I am rejecting this response because:There is no way my roof doesnt have damage. There are now 14 homes, surrounding mine, with damage and roofs being replaced, many insured by AO. I asked for a copy of the ** claims adjusters report. Why dont you provide it? Is it because it states there is damage and that isnt what you wanted to hear? You hired the *** engineer to support your denial. Why is AO approving my neighbors??? The person who denied it, Ms. ****** hasnt been on my roof or in my neighborhood. She acknowledged hail damage in her first correspondence with me. Why would I trust anything about this process at this point? You paid an engineer to give you a report to support her denial, period! I have NO trust in your processes. AO is NOT consistent. I will get my attorney involved.
Sincerely,
***** ******Business Response
Date: 10/17/2024
We appreciate the additional feedback on this claim. Our branch manager is attempting to reach out and discuss the matter.Customer Answer
Date: 10/21/2024
Complaint: 22396597
I am rejecting this response because:
I assume by the ** response that the supervisor wants to tell me the same thing he already told me when I called him previously. Its unacceptable. The claims adjuster that ** paid to inspect my roof originally stated it was damaged.
Ms.***** acknowledged the damage in her first correspondence with me. I want my roof replaced, just like that of my neighbors insured by Auto Owners.Sincerely,
***** ******Customer Answer
Date: 10/29/2024
It has come to my attention that Ms. ***** approved a claim in my small neighborhood for roof hail/wind damage for the same date of occurrence that I submitted and had damage from, per a roofing company and the Auto Owners claims adjuster. Im still waiting for a logical explanation for why my claim was denied. I dont need to hear that the engineer ever saw nothing after the roofer, the claims adjuster and Ms. ***** acknowledged there is damage. Where are all the copies of reports I asked for??? This new information helps support my case for an attorney, but my lawsuit will be for more than roof costs. It did not have to come to this.Initial Complaint
Date:09/30/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
For the past year, I've had a commercial auto insurance policy with Auto-Owners Insurance, sold through Commercial Insurance Specialists out of *****, **. The renewal is due on 10/1/24 but I have not received any renewal notices in the mail or via email. My office manager has contacted **** ******** 4 times in the past 30 days trying to get the price quote and send payment. As of 9/30/24, we have received NO information and **** ******** keeps making excuses as to why. It is beyond ridiculous. Our business auto's insurance will expire tonight because of their incompetence. I cannot recommend them at all.Business Response
Date: 10/04/2024
BBB ID - 22359187, Derek Bowles
Good morning,
I received the above BBB complaint, regarding Tampa Hardwood Floor Refinishing policy #53-560996-00. I immediately contacted our Motor Teams Underwriting team. The Underwriter, Derek Cone, communicated that he reached out to the insured. He left a voicemail apologizing for the confusion and inconvenience. He stated that there was back and forth, trying to get the correct UM form. The renewal issued on October 1, 2024. Our underwriter believes the matter to be resolved. However, if anything further is needed, we're happy to assist the insured.
Regards,
Initial Complaint
Date:09/25/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On Feb 5th of 2024 a claim was submitted to Auto Owners about snow damage to the roof of our house. The damage occured during the weeks Jan *****th. The local weather data show a total of 33.7" of snowfall during this time period. This snowfall caused significant damage to the outer roof, internal roof structure, and interior ceiling following into the walls. This claim was forwarded to an engineer working for Auto Owners. He inspected the house damage and concluded there was not significant snow load to cause said damage and related it to another cause that "is not covered". The claims adjuster Miles **** stated that if we could provide counter evidence to support our claim it would be reviewed. At this point we hired our own licensed P.E. (professional engineer) ****** ******. He completed a comprehensive evaluation of our damage. This also included removal of sections of the outer roof to view internal roof structure. During his evaluation he noted some key facts, which include: Auto owners engineer untruthfully concealed and reduced the amount of snowfall that was recorded to a level that was favorable to auto owners insurance , but was very inaccurate. ******** report also showed that roof supporting trusses were cracked and broken due to high compressive load as would be seen due to TOO HIGH snow load.We have submitted this report to Miles and Auto owners insurance. This was sent by certified mail. It has now been over 7 days with no response from Miles and we are unable to get a response to our repeated attempts to contact him.Business Response
Date: 09/26/2024
We appreciate the feedback from Mr. ******* The engineer that was assigned was hired for this inspection by Auto-Owners, but is not an employee of the company. Our decision was made based on the objective findings of the engineer. The previously assigned claim representative has transferred positions and we apologize for any delay this may have caused in the review of the report from the engineer hired by Mr. ******* We will be reaching out to our insured to discuss our review of the report once complete.Customer Answer
Date: 09/26/2024
Complaint: 22337598
I am rejecting this response because:Whether the engineer is an employee of Auto Owners or not, his work was authorized and distributed by them in an attempt to deny my claim under apparent false basis. ************ is not subjective to interpretation. There are also many other material facts found missing in their report as well. At best Auto Owners is responsible for those professionals with whom they engage with in denying claims.
Regardless of the engineering report substance, and also whether the intial claims adjuster has changed postions. Auto Owners have been in possession of my report, confirmed by certify mail, for more than a week. I have made numerous attempts to contact Auto Owners as well. Yet no response was made by them until receiving my BBB complaint. That is UNACCEPTABLE. I am now also contacting MI DFIS regarding this issue.
Sincerely,
***** ******Initial Complaint
Date:09/20/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Auto Owners sent me a letter stating I have given them permission "to charge or withdraw funds from this financial institution and retain its credentials in a secured location for this premium payment. A service fee may be included in the total payment amount".I NEVER gave them any permission to allow them to charge or withdraw funds. I was not asked for permission. I was only notified after I received such letter. I called the company & asked to have info removed and a confirmation letter sent to me. To date this has not happened. I want a letter from them stating they are NOT keeping my credit card info on file. I have been hacked several times and I dont need MORE INVASIONBusiness Response
Date: 09/26/2024
Were sorry to hear that you had a negative experience. Wed like to discuss your experience in detail. Please contact us at ************** and ask for a supervisor or manager.Initial Complaint
Date:09/19/2024
Type:Sales and Advertising IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I canceled my car and renters insurance thru them on June because I found a better deal. They only canceled my car insurance and didn't tell me about renters. They said I owed money which I had no idea and even sent my account to a collection agency. I was under the understanding that everything was canceled. Poor business. I'm on a budget and did not have the extra 130 dollars. I called and tried to resolve the issue but the associate named ***** was rude, condescending and not helpful at all.Business Response
Date: 09/24/2024
Due to the sensitivity of the information, we will be mailing a letter to the policyholder.
Thank you,
Auto-Owners Insurance Company
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