You may decide, through your actions, that what I have just done here is a waste of time. I hope that as a result of you reading this; you will choose another insurance company and protect yourself. It is essential for you not to let my story become your story. You care for those you love and have worked hard for everything you own. You deserve to have an insurance company that you can trust. I contend that Gladiators insurance does not fit your need to feel secure and know that what you have paid for will be there when you need it. Apart from you being helped, this note is a waste of my time, for most of one’s time should be invested in more positive causes. Unfortunately, life is such that the negative must occasionally be dealt with.
The context from which I write here is as an individual who has purchased Gladiators insurance from age 16 to 58. Except for a brief three-year period when I was in another state completing my education, I bought many different policies from them. At one point, I had purchased several building contracts, many vehicles, a boat policy, and a general liability policy. My history has been very few claims, if any. Thus, my history has been sending them checks regularly, for an extended period, with few losses on their part. If someone looked at the balance sheet of what I paid versus what I am owed, the financial results would be way in their favor, yet they have chosen to treat me as described below.
My story began on June 22, 2020, when a tornado hit my mobile house. I was in another state working on my weight issue when this occurred. My family asked me to stay where I was and not to worry, for we have mobile home insurance. From the beginning, Gladiators insurance demonstrated that it did not care about us or hire a lousy employees. The adjudicator they sent to our home during this time of trauma was immediately obnoxious, as f we had somehow caused the calamity or were trying to rip him off.
This behavior was immediately apparent to another man who works for my wife and me. At one point, Brian, who works for me, said to others that he wanted to throw the adjudicator off the roof of my house due to his progressive condescending, and hostile style. Anyone who knows Brian is shocked that he would even think, let alone share with others, his distress in this manner.
My wife called to encourage me to stay where I was and told me she felt terrible and threatened by the adjudicator’s behavior. The fact that a tornado hit our house bothered her less than his behavior. My wife has a gentle and pleasant personality style and is a psychologist often requested by those in need. We can’t go anywhere without her getting into some conversation with some individual behind the counter who ends up sharing their life story with her. Jan tends to be appreciated by all and, like Brian, does not say anything hostile or aggressive. That is until she felt this adjudicator’s obnoxious style.
If I could do it again, I would have hired a public adjuster, and I recommend this to all Gladiators policyholders with significant claims. As a result of my decision to trust them, we have paid a significant emotional toll, as well as continuing to live in a home that was not finished correctly. We have communicated our concerns to Gladiators on many levels, yet nothing has been resolved as we approach the first-anniversary mark. No one has contacted us to resolve this issue.
Since our understanding is that the adjudicator’s supervisor has been receiving our email complaints, he seems equally uncaring or inept. A public adjuster would not have allowed this to occur and been in the proper position to advocate for the truth of our position. His supervisor and the corporate office have chosen not to do anything in responding to our complaint.
A Rejection Letter
They have never investigated the possible truth in our claims or questioned that maybe they just hired a lousy employee. The only communication we received from Gladiators was a rejection letter from someone close to the president responding to our attempts to reach him for resolution. This letter stated that they couldn’t do anything to assist us because we had already gone to the state with a complaint. They made no effort to find out what is real and thus have no idea how accurate our story is. They have not attempted to understand our ethical stance and have put us in some presumed category of “pain in the butt” customers.
We have been ignored and left to fix a significant aspect of our house ourselves. This conflict has made the reconstruction project more difficult than it should have been. I have spent many nights awake due to thinking about the dishonesty of the Gladiator’s insurance process. I have often wondered how human beings or good company could do that to one another. The concerns regarding the house’s restoration have superseded the everyday problems of living with construction for six months.
Gladiators’ insurance’s choice not to communicate has amazed me
Their unwillingness to see if the employee they hired to care for us could be wrong is apparent. Their position has been to fully stand behind their employee and supervisor, whether or not objective data exists to the contrary. They do not demonstrate a quality control system that might check to see if they could have made a mistake in judgment in any way.
They demand that you take them to court and spend your time in this useless way to achieve justice. They must presume that most of their customers will not take matters this far, and thus they can receive an extra financial reward. What other explanation is there for their lack of sending someone to us who is not a particular advocate for their employee to ascertain the facts of the case? They will be taught an important life lesson: “what goes around comes around.” I will follow through legally to cause them to understand that you can’t treat people this way. I am concerned that I am the next person on their list.
Someone to assist me
The reality is that I got someone to assist me during a time of need who didn’t care and wasn’t good at their job. The person appeared to enjoy being angry and having power over people’s lives he could temporarily control. In one conversation, I expressed to him the difficulties we were having with his lack of professionalism on an interpersonal level. He used that opportunity to verbally attack me, which only affirmed Brian’s and my wife’s suspicions about his character. Most professionals would have (even if I was wrong) apologized for a presumed “misunderstanding” and moved forward to a positive resolution. His reaction to me demonstrated that his personality was indeed the problem that was causing me and my contractor difficulty in resolving things.
I suggest that if you hire your public adjuster, none of this will happen to you. To the best of my knowledge, the man that has harmed us continues to be employed by them, for I receive letters from him regularly. This has been despite the direct communication that we wanted someone else to deal with us, for this man is seen as no longer competent or safe. This man’s eye for what was damaged was minimal right from the start. He missed several obvious problems that were created by the tornado. It regularly became our job to prove to him what he had missed.
Since he is a weak man and doesn’t like to be wrong, the proof of what he missed keeps getting bigger. This cost me more as the contractor had to justify that what he should have seen was broken. I am not mechanically inclined, and yet I can see when I walk into a house with a partial roof missing that there was a significant change to the house’s security and stereo system. It doesn’t take a rocket scientist to know that if the top is missing above these particular items and it has rained, something wrong will probably happen.
Gladiators Agent’s Perspectives
I twice went to individuals who sold me this policy and explained my distress about the situation. Although they passed the information on, they have no leverage as the person who sold it to me to get me a better adjudicator or a second opinion. It seems that Gladiators discount their agent’s perspectives as well.
Owning my own company, I have the opportunity of dealing with complaints regularly. There are various ways to judge the veracity of complaints, but telepathy does not seem to be one of them. You also have to be willing to admit errors that could always occur despite your best efforts. Therefore, due to their callous nature, I have had to write the state and ask them for help with my claim. Such actions were not taken lightly, but I felt it was necessary to escalate the conflict to this level based on their choice of non-response.
Letter to the President of Gladiators
I wrote the president of Gladiators a letter stating that I informed the state of my difficulties, hoping that he would respond by sending someone out to hear our perspective and resolve this. No one came! I sent a second letter to Terry stating that I do not accept that my house is complete and officially let him know that the adjudicator’s notes said that things were finished inaccurately. I informed them that I wanted to no longer communicate with this particular man, yet I received a letter from him today. I heard Terry’s administration assistant say that since I went to the state and complained, there was nothing they could do, and I was essentially on my own. Now that is an exciting and unhelpful approach.
They seem to be more interested in retribution than in doing what is right. It also appears that if they desire to do so, they would be able to fix this problem before the state even processed my claims. The adversarial approach of Gladiators is such that they don’t seem to care about straightening it out but just protecting their initial bad judgment or making money. Thus, this administrative assistant would feel it perfectly okay to state that they were not going to attempt to figure out what the truth is or make things right for their immediate position is one of distance from the customer combined with denial.
Anxiety and Stress Caused to me by Gladiators Insurance
I don’t know what I could have done to prevent the tornado, but I do know what I could have done to avoid the sad aftermath of anxiety and stress that Gladiators insurance has caused me. I may someday, unfortunately, get hit again by a tornado. What won’t happen to me is getting hit again by Gladiators insurance. I have started the process of finding competitive prices elsewhere and look forward to transitioning out of their web as soon as possible. I am telling you a story of a process that remains unresolved. We will likely experience stress longer as justice is sought legally. Hopefully, our story will be concluded through the state’s intervention or the legal court system. What will your story be?
The process I have been through is detrimental to my health and my family’s well-being. I suggest you take care of your family by making a different insurance choice. We have decided to create this website whereby in numbers, we can provide Gladiators insurance with the kind of feedback that may cause them to remember and return to some of their positive founding principles.
Inept attempts at fixing the problem
It will be more difficult to ignore us as a group than if we stand against them alone. What was broken the day of the tornado has not been fixed. The adjudicator has made quite a few inept attempts at fixing the problem, often relying upon our energy and time to make up for his lack of desire to work. He has ignored, on several occasions, particular verbal discussions that should have caused him to make other choices.
I use one comforting fantasy to deal with the stress of this series of traumatic events. It is the day my lawyer deposes the adjudicator, and he is finally exposed for who he is. I have chosen not to become more specific in this initial communication, for I do not want to hurt the specifics of my case. Over time on this site, I will add what has occurred as the story progresses. I desire to be much more specific after the deposition time. Until then, feel free to post your reports so that we can commiserate, strengthen and comfort each other for the Gladiator’s battle ahead.
Bullets for the war ahead
Unfortunately, a company that was once so solid and founded on sound positive principles has left its original charter and become deaf to the needs of others it claims to serve. More specifically, this time allows them to prepare to defend themselves since it has already been established that they do not care to fix it. Thus, keeping metaphorical bullets for the war ahead is in my best interest. When you post on this website, make sure you take care of yourself by sharing your story for your future battle ahead. I am waiting to hear from you whether or not this was a waste of time.