North Carolina Coastal Insurance - Wilmington, North Carolina

AC

I was a longtime customer of this carrier. While they can get you some of the best rates for the policies required for coastal homes, they are not reliable to review your policies and increase your rates ethically. After approximately 6 years of a relationship with Hernan as my agent, he yelled at me on the phone when I called to review the details of why my rates were steadily increasing and found he added coverage. I inquired as to why $100,000 worth of coverage was added to my policy on a structure that I did not have on my property, and he became aggressive and hostile yelling at me in response. I asked to speak with someone else after he yelled at me and he responded with, "NO!" along with other inappropriate comments. I pulled up his google reviews and found that he has a history of yelling at his customers and even called some of them liars. I have terminal cancer and did not have time to address this in the way I would have otherwise but I transferred my policies to another agency so my wife would not have to deal with such a toxic personality should I not survive. I lost all trust in this company after extensive experience with them. I have great empathy for the several wonderful women I spoke with in this office over the years, but I encourage prospective clients to read the 1-star reviews before entering a relationship here and seriously consider going with a different company. No one needs this kind of unnecessary hostility and unprofessionalism in their lives.

Bill R.

When we moved into the area a few years years ago, we entrusted NC Coastal Insurance with all our insurance needs. We have nothing but praise for the classy manner in which they conducted business with us throughout this period. It was extremely comforting to know that they had our backs no matter what the occasion and, for that, we highly recommend them.

Melissa B.

I have known the owner of this company, Hernan Lois, for 10 years or so and thought of him as a friend. In the past decade I submitted only one claim for flooding of my home following a Hurricane, receiving only $1200? for that one-and-only claim. My home has withstood at least 5 hurricanes and still has plastic on the roof since an adjuster deemed the roof did not need replacing. My husband was nearly killed in a car accident last October 2023 with a heart contusion and ICU care. Since my husband was not at fault for this nearly fatal car accident, our attorney wanted to submit a claim to my insurance carrier through our agent of many years, Hernan Lois. Mr Lois seemed to be unaware that a married couple are covered under both of our separate car insurance policies per a North Carolina statute. HE INSTEAD SENT NASTY TEXTS ACCUSING ME OF INSURANCE FRAUD, A FELONY AND HUNG UP ON A 3 WAY CALL WITH MY ATTORNEY AND MYSELF. His texts were outrageously unprofessional as if he were going to have to personally pay for a claim on my car insurance coverage that I have paid for for many years. This occurred on a Friday afternoon so I was unable to switch to another agent quickly but am doing so now 4 days after his horrible behavior, texts and phone call with my attorney. Any decent human being would have asked about my husband, his well being and recovery but NOT HERNAN LOIS. I still don’t understand what triggered his horrible behavior and hope I NEVER ENCOUNTER ANOTHER INSURANCE AGENT LIKE HERNAN LOIS. I am considering reporting him to the state insurance commission. For now with multiple coverages paid in full and up-to-date on homes and 3 cars, I am switching to another agent. I would NEVER RECOMMEND HERNAN LOIS TO ANYONE WHO MIGHT HAVE A RARE CLAIM WITH THIS AGENT. He does not appear to have the temperament for this profession or perhaps just can’t handle paying claims when necessary. Why do we pay huge sums of money for insurance if not easily utilized when needed

Aww, I received a response from Hernan Lois after my review of his business and he says he was counseling me…what a laugh. He only took my premiums for a decade without ANY COUNSEL and if he wants to dispute that then provide the recorded phone calls!!! I have the proof of his behavior in the nasty texts he sent to me!!! He accused me of insurance fraud in texts which I am submitting to the insurance commission and obviously has a temper since he hung up on me and my attorney as well as others who have reviewed him since I read his other poor reviews! I would love the recording of our 3 way conversation with my attorney so we can show his undeniable lack of professionalism. If he continues to write lies, I will sue for libel. Every word I have written is true and witnessed by my attorney!! Do not comment again, Hernan Lous or this will be pursued further. FYI, I NEVER ACCUSED YOU OF HARASSMENT, that was my attorney who used those words after I sent him the nasty texts you sent to me!!! And what does a high Liability individual mean since you have only received one claim from me for flooding in 10 years and how dare you say I am not a responsible client. We will see what the DOI has to say about your unprofessional name calling!!!

Jessica S.

I've personally worked with Sarah through a few vehicle changes. She and the rest of the team are terrific to work with. They are quick, efficient, and always get the best prices. I can't say enough good things about my experiences with NC Coastal Insurance over the past 4 years. I will be a long time customer!

Hillary M.

Hernan gave me the best deal out of ANY company I called. He knew what I needed most and tailored my quote to perfection. Still came out $150 less a month than the cheapest quote I found. Shop local!

Jennifer B.

When I first switched to NC Coastal several years ago I worked with Hernan directly, he was attentive, professional and made sure I had the appropriate coverage needed for a short term rental. I was a very happy customer and referred a lot of business to his agency. I'm not sure what happened however it's clear that Customer Service is no longer a top priority. I received a notification from Katie Goodspeed a few weeks prior to my renewal date that the carrier was increasing my deductible, I asked her to see if she could find any better options. Weeks passed with no response so I spoke with another agency who was able to provide better coverage for the same cost with a lower deductible. She finally responded to me 3 days prior to my renewal date and I advised that we went with another carrier. The communication then became very unprofessional and borderline harassment, they made it very difficult for me to cancel my policy. Both women I spoke to were snotty, rude, condescending and unprofessional. I even copied Hernan on the unprofessional emails in the hopes that he could intervene and prevent any further issues however he never responded. I would highly recommend seeking your insurance from another agency!

Morgaine P.

NC Coastal Insurance has been the best insurance agency (for any kind of insurance) that I've ever worked with.

They are prompt, courteous, and extremely helpful in complicated, awkward or difficult situations. They have saved my butt many times by letting me know about expiring policies and providing information after I was no longer a customer.

Sadie Y.

A few months ago Hernan found me a less expensive homeowners policy and saved me hundreds of dollars. He and his staff are polite, efficient and really listen to your concerns. I am so glad I called when my real estate agent recommended them.