Arrowhead General Insurance Agency Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The issue of poor communication between Arrowhead and *** was not addressed The customer service issues and the misinformation I received from Arrowhead have also not been addressedI would accept a premium of $for homeowners insurance including the rings on that policy (original amount before breakdown of communication between Arrowhead and ***)I would drop complaints if this request was fulfilled Thank you
Regards,
*** ***

Date: September 29,
To: *** **
Revdex.com of San Diego
Viewridge Ave Ste
San Diego, Ca
RE: ID # ***
Dear Ms**,
This letter is in response to your inquiry of September 25,
I have reviewed the request for assistance and policy; please consider the following:
We have attempted to contact the insured several times but are unable to reach her to
complete the process of determining the correct premium refund due.
We recently canceled the insured’s original policy with the incorrect effective dates and
have re-written a new policy to match the insured’s requested effective dateIn order to
calculate the correct refund due the insured, and to assure that she maintains continuous
coverage, we ask that she provide the date her replacement policy with her new insurance
carrier was made effective
Please have the insured contact Arrowhead, her Producer of Record (Geico (855) 721-
9248), or your office to inform us of the replacement policy effective date
Sincerely,
*** ** ***
Underwriting Analyst Personal Lines
Arrowhead General Insurance Agency
Campbell Pl
Carlsbad, CA
Email: ***@arrowheadgrp.com
Phone: (800) 333-x ***
Fax: (760)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Because of their error, I paid for insurance on days that I did not own the house Due to my severe dissatisfaction with this company, I have subsequently changed to another company and had to make the effective date of the policy according to the date Arrowhead provided as the date the insurance expired I would like a refund for the number of days I was charged for insurance when I did not own the house (from October to November 8) Thank you
Regards,
*** ***

*** ***, Thank you for your noteAs we understand it, the customer service issues brought up in the complaint were: 1. Poor communication of representatives. The insured’s communication during the process of adding the jewelry was with *** Insurance Agency, Inc., the insured’s agentArrowhead did not have direct communication with the insured during this time. 2. The premium quote. The insured’s agent, *** Insurance Agency, Incprovided the quote for one ring based on the information provided to them by the insuredPer the complaint, the first quote was developed from an old appraisal for only one of the jewelry items, which lead to the primary confusion. 3. Request for a new appraisal. Arrowhead did not request a new appraisal*** Insurance Agency requested that the insured provide them with an updated appraisal. 4. Generic emails with no representative name. Arrowhead had not communicated with the insured by email during the process of quoting and adding the jewelry. 5. Request to a supervisor contact him to discuss further. The request to have a supervisor contact the insured was made to *** Insurance AgencyThe complaint reads in part, “My chief complaint was the poor communication of *** with Arrowhead”. Arrowhead has worked in conjunction with *** Insurance Agency to help understand and resolve the insured’s concernsWe have recently been informed that *** discussed the situation at length with the insured and has resolved the insured’s concerns to his satisfaction. *** * *** ***
*** *** *** ***
*** *** ***
*** ** ***
*** *** *** * ***
***

RE: ID # [redacted]
Dear Ms. **,
 This letter is in response to your inquiry of September 17, 2014.
 I have reviewed the request for assistance and policy; please consider the following:
 Our investigation shows that the insured’s application was received on October 09,...

2013.
 The application shows a requested effective date of October 18, 2013.
 The insured’s New Business Declaration was generated on October 09, 2013. The 
Declaration shows an effective date of October 18, 2013.
 Arrowhead received a Policy Change Request from the Insured’s Producer of Record on 
October 31, 2013 to change the policy effective date from October 18, 2013 to November 
01, 2013.
 Unfortunately, our review found that the request to change the effective date was denied 
in error. We are in the process of issuing a replacement policy for our insured with the 
effective date of November 08, 2013 as requested. 
 We offer our sincere apologies for any inconvenience this may have caused. Our insured 
may contact us at 800-447-1889, or their producer at their convenience with any 
questions or concerns. 
 Sincerely,
[redacted]
Underwriting Analyst Personal Lines
Arrowhead General Insurance Agency 
2548 Campbell Pl
Carlsbad, CA 92009
 Email: [redacted]@arrowheadgrp.com
Phone: (800) 333-5553 x [redacted]
Fax: (760) 710 6963

Review: My home insurance policy through Arrowhead was cancelled without my knowledge. When I was notified by my bank, it had been over a month since it had been cancelled. I called Arrowhead customer service and they told me if I removed the reason for cancellation within a certain time period my policy would be reinstated. I did as asked in the time allotted and provided proof as requested. I was then denied for reinstatement, but offered a new policy for 150% of the original agreed amount. Lies and scams. This is not how to run a successful business.Desired Settlement: Reinstatement of the original policy.

Business

Response:

Thank you for the opportunity to review our

insured’s recent complaint. We have reviewed our information and offer the

following:Our investigation shows that the insured’s

application for property insurance was received on June 30, 2015. During the

application process, the insured’s insurance producer is required to ask if a particular

hazard is located on the insured premises. Our insured’s application answered

‘No’ to this question (we have chosen not to reveal the hazard out of respect to

the privacy of the insured, as they did not disclose the hazard in their

complaint). An

inspection of the property was completed on July 28, 2015. The inspection revealed

that the hazard was indeed located on the insured’s premises.Unfortunately,

because this particular hazard is located on the insured premises, it does not

meet our company’s underwriting guidelines which are filed with the Texas

Department of Insurance. As a result, a Notice of Cancellation was generated on

July 30, 2015 and sent to the insured at their known address with the state

mandated advanced notice of cancellation to be effective September 4, 2015. On

October 23, 2015, we received a request from the insured’s insurance producer

to reconsider the cancellation action if the hazard was removed. We agreed to

reconsider if documentation was provided in short order. On November 17, 2015,

we received a phone call from the insured requesting reconsideration. As of

that date, no proof had been received that the hazard had been removed. Because

coverage had ended nearly 2 ½ months prior, we were unable to extend our offer

to reconsider, as too much time had elapsed.Thank you again for the opportunity to

review our insured’s complaint. We sincerely wish that a different outcome

could have been reached in this matter.

Review: I made a payment to arrowheadexchange online(auto insurance). I made my payment online with my routing number and account number. I don't know what went wrong with my payment during the process. But my receipt show the correct numbers but somewhere down the line something went wrong. I'm asking to have some consideration because this my first payment online and was not happy about it.Desired Settlement: So I want the $25 to be waived or I wont pay anything and asking for my down-payment to be refunded. If this to be waived ill just make the payment in person to a local branch instead. Note: this my first payment with my auto insurance.

Business

Response:

Dear Ms. [redacted],

This letter is in response to your inquire of

January 21, 2016. As Arrowhead® General Insurance Agency, Inc.

(Arrowhead) is the general agent for Everest National Insurance Company we are

responding on their behalf.

I have reviewed the request for assistance

and policy; please consider the following:

Please note the insured’s automobile

insurance application reads in part:

I

further understand that a NSF Fee of $25 will be charged when applicable.

The insured’s was sent a Premium Billing

Notice on December 17, 2015. The Notice required a minimum payment of $45.20

due by December 27, 2015.

Arrowhead received an online check in the

amount of $45.20 on January 01, 2016.

The online payment in the amount of $45.20

was not honored and returned to Arrowhead by the insured’s financial

institution on January 08, 2016.

Arrowhead spoke to the insured on January

14, 2016 and advised him we would waive the $25.00 fee.

In conclusion, the insured submitted an

online payment that was not honored by his financial institution. The policy

was charged a $25.00 fee. The fee was waived per the insured’s telephone request.

Sincerely,

Underwriting Analyst Personal Lines

Arrowhead General Insurance Agency

Review: We quoted and secured house insurance through Geico, which contracts through Arrowhead. They are to write the insurance prior to the closing as proof for the mortgage company that we are able to secure coverage. Once the closing date is established, the effective date of the policy is changed to reflect ownership. We went through this process with Arrowhead and updated the effective/closing date to November 8, 2013. They sent me an updated binder stating the change and that binder was brought to our closing and used by several attorneys as proof of effective date. I recently received a notice in the mail telling us that our policy expires on October 18th. I called the insurance company and was placed on hold for 30 minutes. Their result was that they had never changed the effective date and although they sent me out documentation of the November 8th effective date, it was their error. Even though it was their error, they refused to change the date or reimburse me for 21 days of service that I was charged for without owning the house. Our policy was $2,500 (which is another story as they quoted us $1,700, was paid, and then without approval changed the quote and billed our mortgage company for another $800) and 2/3 of a month, means they owe us approximately $140.Desired Settlement: I would like a refund in the amount of service paid for and never used.

Business

Response:

RE: ID # [redacted]

Dear Ms. **,

This letter is in response to your inquiry of September 17, 2014.

I have reviewed the request for assistance and policy; please consider the following:

Our investigation shows that the insured’s application was received on October 09, 2013.

The application shows a requested effective date of October 18, 2013.

The insured’s New Business Declaration was generated on October 09, 2013. The

Declaration shows an effective date of October 18, 2013.

Arrowhead received a Policy Change Request from the Insured’s Producer of Record on

October 31, 2013 to change the policy effective date from October 18, 2013 to November

01, 2013.

Unfortunately, our review found that the request to change the effective date was denied

in error. We are in the process of issuing a replacement policy for our insured with the

effective date of November 08, 2013 as requested.

We offer our sincere apologies for any inconvenience this may have caused. Our insured

may contact us at 800-447-1889, or their producer at their convenience with any

questions or concerns.

Sincerely,

Underwriting Analyst Personal Lines

Arrowhead General Insurance Agency

2548 Campbell Pl

Carlsbad, CA 92009

Email: [redacted]@arrowheadgrp.com

Phone: (800) 333-5553 x [redacted]

Fax: (760) 710 6963

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Because of their error, I paid for insurance on days that I did not own the house. Due to my severe dissatisfaction with this company, I have subsequently changed to another company and had to make the effective date of the policy according to the date Arrowhead provided as the date the insurance expired. I would like a refund for the number of days I was charged for insurance when I did not own the house (from October 18 to November 8). Thank you.

Regards,

Business

Response:

Date: September 29, 2014

To: [redacted]

Revdex.com of San Diego

4747 Viewridge Ave Ste 200

San Diego, Ca 92123

RE: ID # [redacted]

Dear Ms. **,

This letter is in response to your inquiry of September 25, 2014.

I have reviewed the request for assistance and policy; please consider the following:

We have attempted to contact the insured several times but are unable to reach her to

complete the process of determining the correct premium refund due.

We recently canceled the insured’s original policy with the incorrect effective dates and

have re-written a new policy to match the insured’s requested effective date. In order to

calculate the correct refund due the insured, and to assure that she maintains continuous

coverage, we ask that she provide the date her replacement policy with her new insurance

carrier was made effective.

Please have the insured contact Arrowhead, her Producer of Record (Geico (855) 721-

9248), or your office to inform us of the replacement policy effective date.

Sincerely,

Underwriting Analyst Personal Lines

Arrowhead General Insurance Agency

2548 Campbell Pl

Carlsbad, CA 92009

Email: [redacted]@arrowheadgrp.com

Phone: (800) 333-5553 x [redacted]

Fax: (760) 710 6963

Review: The producer of the insurance, "Look Insurance Agency" is providing their clients with false information. When you open an insurance policy with them you pay over 300.00 for a down payment which is supposed to include the first month installment. This is what I was told. I was told not to worry about paying the first bill, so I didn't pay it. Then I received a 2nd bill with a late fee of 30.00 and it said my policy was cancelled. When I called the insurance agency called Arrowhead Insurance, they said that the 300.00 was just a down payment to get policy started and did not include the first month installment.I belive this is some kind of scam between the agency provider and the insurance company where they try to overcharge people on policies.Desired Settlement: I would like a refund for my late fee since I was given incorrect information regarding when my first payment was due. I was told not to worry about paying the first month since it was included in my original down payment. If I had been given the correct information I would have paid my policy on time.

Business

Response:

This letter is in response to your inquire of August 11, 2014. As Arrowhead® General

Insurance Agency, Inc. (Arrowhead) is the general agent for Everest National Insurance

Company we are responding on their behalf. It should be noted the complainant is

located in the State of Michigan.

I have reviewed the request for assistance and policy; please consider the following:

• Our investigation shows that the insured's application was received on June 30,

2014.

• A Premium Billing Notice was generated on July 07, 2014, which requested $153.16

by 7/17/2014.

• No payment was received by 7/17/14. The insured was sent a Notice of

Cancellation for Non-Payment of Premium on July 21, 2014. The effective date of

cancellation was 8/6/14.

• As no payment was received by the cancellation date the policy cancelled for nonpayment

of premium effective August 06, 2014.

• On August 07, 2014, an Offer to Reinstate with a lapse was generated.

In conclusion, the insured was sent a Premium Billing Notice that required a payment of

$153.16 due by July 17, 2014. As no payment was received, the policy cancelled for nonpayment

of premium.

Please note the policy late fee is not $30.00 but in fact $10.00.

A copy of the insured's concerns have been forwarded to the insured's Producer of Record,

we have asked them to submit a separate reply addressing these concerns.

Sincerely,

Underwriting Analyst Personal Lines

Arrowhead General Insurance Agency

2548 Campbell PI

Carlsbad, CA 92009

Email: [redacted]

Phone: (800) 333-5553 X ####

Fax: (760) 710 6963

Review: After checking several insurance companies for homeowners insurance I decided to go with Arrowhead since they contract with Geico and that's who we have our auto policy with. On 06/17/2013 a policy was issued from Arrowhead confirming the premium of $1031. On 06/19/2013 another copy of the policy was issued with an increase to the premium of $1. I called "April" on 06/28/2013 at 0825 in the morning to inquire about the change and she wasn't exactly sure. I asked her to confirm that it was only a dollar increase and she answered yes so I thought no big deal. Three weeks later on 08/08/2013 another "adjustment" is made saying we owe another $42 due to, among several reasons given, the type of shingles we have on our roof. I am not a roofer by trade, but I have insured my home since it was built in 2001 and I have never had an insurance company throw this line at me! In addition, [redacted] from Arrowhead who I spoke to on 08/12/2013 at 640pm, informed me it was also due to our having an "attached garage." I informed [redacted] that since my house was built in 2001, it has had a detached garage, standing a full 15 feet away from the main structure. I also informed [redacted] that per the [redacted] appraisal district's website, it states that I have a "detached" garage. [redacted] said that "for insurance purposes" they consider it to be "attached." With this kind of service my wife and I are praying to God that we do not have a claim for the next year. Since this has happened, I have done a more thorough research of the company and found many complaints similar to mine. I wish I'd have done my homework more diligently.Desired Settlement: Refund of $42.00

Business

Response:

This letter is in response to the correspondence received from your office dated August

21, 2013. As Arrowhead General Insurance Agency,Inc. (Arrowhead) Is the general agent for Universal

Insurance Company of North America (NAIC 11986) we are responding on their behalf.

I have reviewed the request for assistance and policy; please consider the following:

Arrowhead received Mr. [redacted]'s electronic application for property insurance on June 17,

2013. Using the Information provided by Mr. [redacted] the application shows an estimated

dwelling replacement cost of $230,000.00.

Mr. [redacted]'s New Business Declaration was generated on June 17, 2013.

A property inspection was completed by National Insurance Inspection Services on August

06, 2013. The inspection shows an estimated dwelling replacement cost of $250,000.00.

The increased estimated replacement cost resulted from our inclusion of the garage in the

replacement cost calculation. Contractually, the garage is considered attached, even though it is

only attached by a breezeway. Thus, in the unfortunate event of a total loss, Mr. [redacted] would need

to have adequate coverage for the garage under the Coverage A, dwelling portion of the

policy, rather than the Coverage A, other structures portion of the policy.

Page 1 of the Homeowners Form B contract reads in part:

SECTION I- PROPERTY COVERAGE

COVERAGE A (DWELUNG)

We cover:

1. the dwelling on the residence premises shown on the declarations page including

structures attached to the dwelling.

2. other structures on the residence premises set apart from the dwelling by clear space. This

includes structures connected to the dwelling by only a fence, utility line or similar connection.

The total limit of liability for other structures Is the limit of liability shown on the

declaration page or 10% of the Coverage A (Dwelling) limit of liability, whichever is greater.

This is additional insurance and does not reduce the Coverage A (Dwelling) limit of liability.

As a result of the increase in coverage, an amended Declaration Page was generated on August 08,

2013. The Declaration shows the increased Coverage A of $250,000.00. Please note this change

increased the [redacted]'s annual premium by $42.00.

It is our desire that our customers are adequately covered in the unfortunate event of a loss. We

hope that we have been able to satisfactorily explain our need to increase Mr. [redacted]'s coverage.

Sincerely,

Underwriting Analyst Personal Lines

Arrowhead General Insurance Agency

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

This is just another example of a less-than-reputable insurance company nickel and diming a customer.

Regards,

Business

Response:

This letter is in response to the follow up to your file # [redacted]. As Arrowhead® General Insurance Agency, Inc. (Arrowhead) is the general agent for Universal Insurance Company of North America (NAIC 11986} we are responding on their behalf.

I have reviewed the follow up comments; please consider the following:

Arrowhead General Insurance Agency, Inc. and its carrier, Universal Insurance Company of North America, believe that it is of key importance to ensure, to the extent possible, that each customer's policy functions as intended in the unfortunate event of a total loss to their home. The best way to accomplish this is to provide a coverage amount that reflects an estimate of what it would cost to entirely rebuild the home in such an event.

Arrowhead provides an industry respected replacement cost tool for this purpose at the time of quoting, which considers the home's many construction characteristics. While they happen rarely, adjustments to coverage after completion of the tool are sometimes required if inaccurate or missing information did not allow for a proper initial estimate of replacement cost. Unfortunately, this occurred with Mr. [redacted]'s policy when a physical inspection was completed and it was determined that the garage was attached to the structure.

If a total loss occurred to Mr. [redacted]'s home, he would likely have been considerably underinsured based on the information originally provided. We certainly understand that nobody likes to hear that something will cost more than they originally expected. We do hope, however, that this correspondence helps Mr. [redacted] feel more comfortable that we did our best to provide an accurate estimate of the replacement cost of his home, and that the subsequent adjustment is ultimately his best interest.

Sincerely,

Underwriting Analyst Personal Lines

Arrowhead General Insurance Agency

Review: I purchased a insurance policy through this company, via costco. policy was issued and almost 2 months later notified that they will cancel the policy when requested full refund since , there was no fault from us or request from us to cancel the policy. full refund was refused.Desired Settlement: full refund required.

Business

Response:

This letter Is In response to the correspondence received from your office dated August

14, 2013. As Arrowhead General Insurance Agency,Inc. (Arrowhead) Is the general

agent for Universal North America Insurance Company we are responding on their behalf.

I have reviewed the request for assistance and policy; please consider the following:

Arrowhead received the [redacted] application for property Insurance on June 05, 2013.The

application shows a requested effective date of June 06,2013. The application was received with a

payment of $361.00.

A property Inspection was completed by National Insurance Inspection Services on June

17,2013. Page two of the Inspection reads In part:

16. Lifting shingles seen of roof

23. No railing on front porch

25. House was vacant at time of inspection

26. Fence is leaning with board for support

Page 5 of the Universal North America Insurance Company reads in part:

UNACCEPTABLE RISKS

Dwellings:

Any roof In poor condition is unacceptable.

Page 9 of the Universal North America Insurance Company reads in part:

CANCELLATIONS OR REDUCTIONS IN COVERAGES/LIABILITY LIMITS

If Insurance is canceled or reduced at the request of either the Insured or the Company, the

earned premium will be computed on a pro-rata basis.

As this property does not meet our underwriting guides a Notice of Cancellation was generated on

June 19, 2013. The Notice reads in part:

You are hereby notified in accordance with the terms and conditions of the above policy, and in

accordance with the law, that the above mentioned policy will cancel effective at 12:01 a.m. on 8/14/13.

Reason(s) for Cancellation.·

A RECENT INSPECTION INDICATED THAT THERE ARE LIFTING SHINGLES. THERE IS NO GUARD RAIL ON THE FRONT

PORCH. THE FENCE IS LEANING. ADDITIONALLY THE HOME IS UNDERINSURED. THE REPLACEMENT COST SHOULD BE

$124,000. THIS IS UNACCEPTABLE FOR OUR PROGRAMS.

The policy was cancelled effective August 14, 2013.

Universal North America Insurance Company refund check number 53622 in the amount of $244.00 was

generated on August 14, 2013.

In conclusion,The [redacted] policy was issued per the application submitted. An inspection of the

property shows concerns with the condition of the roof.The policy was cancelled due to these

concerns.

The unearned premium was sent to [redacted] via check on August 14, 2013.

We would not be able to generate a full refund as the property was covered from June 06,

2013 to August 14, 2013.

Please find an accounting of this policy below.

Sincerely,

Underwriting Analyst Personal Lines

Arrowhead General Insurance Agency

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Regards,

This is totally unacceptable. the company should perform any inspections required prior to issuing policy. we see that out time been wasted and money lost. the company should issue a full refund as this was there concern to cancel the policy. property had no prob;em what so ever. if the insurance company standerd is higher, they should no issue the policy and take money prior to inspection and be well aware of the condition. it is a RIP off by the insurance company. any response other then full refund is not acceptable and the complain will be filled with insurance comissioners office as this company has sent me a cancellation notice of another property I owned as well, with similar excuses. its is teribbly wrong bussiness practice and a RIP off.

Business

Response:

This letter is in response to the correspondence received from your office dated August

21, 2013. As Arrowhead® General Insurance Agency, Inc. (Arrowhead) Is the general

agent for Universal North America Insurance Company we are responding on their behalf.

I have reviewed the request for assistance and policy; please consider the following:

Unfortunately as stated in our letter of August 19, 2013 we are unable to generate a full

refund since coverage for this property was provided from June 06, 2013 to August 14,

2013.

The premium returned to Mr. [redacted] reflects the full premium less the premium owed for the period

In which coverage was provided and for the fully earned policy fee.

Review: I was not satisfied with the premium quote that I received for my homeowner insurance policy. I had been receiving the same coverage from the same company for a number of years without a major claim being submitted. However this premium was unusually high. I received the quote on 5/24/2013 and informed Arrowhead Insurance and my broker that I would not be renewing my policy for that amount. I also informed my mortgage company on the same day that I would be obtaining new coverage. Arrowhead Insurance submitted the premium to my mortgage company on 05/25/2013 and received payment on 06/03/2013. I contacted my mortgagor, US Bank Home Mortgage, on 06/03/2013 to inform them of my new policy, since my existing policy would expire on 06/07/2013. They in turn informed me that a payment had been made to my old insurance company and I would need to contact them to arrange a refund. I contacted Arrowhead insurance, spoke with a representative on 06/19/2013 and faxed the information they requested to receive my refund. When I called to follow up on the process, I was informed that the paperwork sent was not to their satisfaction. I sent via fax the newly requested documentation on 07/05/2013, however when I had not received my refund by 7/11/2013, I called again. I was told that the documents were never received and to send them again to the same number. I then contacted an attorney that suggested that I try to deal directly with the old broker or the new broker. I contacted the old insurance broker on 7/11/13 with no response. I contacted my new insurance broker and the requested information was forwarded to Arrowhead Insurance on 7/17/13 via email. I still have no refund. I feel I am being treated unfairly and my money in being unlawfully withheld from me.Desired Settlement: I not only want my refund of $1340.00 but I want an additional $200.00 for unfair treatment and costs/time lost by their long drawn out process. They should be fined for mistreating consumers and providing misi nformation to delay the cancellation and refund process.

Consumer

Response:

From: [redacted] <[redacted]>

Date: Fri, Aug 9, 2013 at 8:17 AM

Subject: Re: You have a new message from the Revdex.com

To: "[email protected]" <[email protected]>

Good Morning Sir or Madame,

This letter serves to thank you for your inquiry into my complaint. I believe that your inquiry illicited a quicker response from Arrowhead Insurance. I have received my refund of the amounts paid and though I have paid out other expenses, this matter is resolved. Once again, thank you for your time and efforts.

Sincerely,

Sent from Yahoo! Mail on Android

Review: On June 15, 2014, I decided to shop for a better rate for homeowners and auto insurance. I found an agency that used Arrowhead General Insurance Agency. During the application process for the homeowners insurance I was asked a question if I had a dog. My mother and father were killed in a tragic car accident Dec 4, 2013, and I took my mothers 27 pound mutt she had for 12 years. I answered the question with a yes.

The gentleman asked what kind of dog it was and I told him a mutt. He told me I must pick a bread and I could pick anything and that it didn't matter. I looked on the internet while I was speaking with him and found a picture of a dog that said below it "Carolina dog", so this is what I gave him. I thought all was good and my policy would go into effect June 16. About 3 days later I called to see if they applied my alarm discount and that's when they told me that they cannot insure a Carolina dog due to it being a wild Dingo. WHAT??? This dog is 27lbs and is a mutt. I told them this and they proceeded to tell me that I now must go get this dog DNA tested professionally by a vet. Since I could see now how they ran their business, I decided that it would be much easier just to cancel this 3 day policy and take my business elsewhere and did so.

I have today (June 30) received a notice that this policy was canceled and that their is a $189.00 balance due. This policy was in effect for 4 days! This mistake was their representative regarding what I was asked regarding the dog I now own. The entire policy for one year was $1,501.00 and they want $189.00??

What is a real shame for Arrowhead is I would have gladly kept my business with them if during the application policy the gentleman told me to be specific as possible- I would have gladly checked with a professional being that I don't know dogs that well.

Because of this issue, Geico has lost my auto and homeowners insurance.

I also have a concern that Arrowhead does not report that they cancelled this policy, but I did. Otherwise it could be reported that I have a cancelled policy from an insurance company that will increase my premiums in the future

SteveDesired Settlement: How could I owe 18% of this yearly contract for only 4 days?

I also have a concern that Arrowhead does not report that they cancelled this policy, but I did. Otherwise it could be reported that I have a cancelled policy from an insurance company that will increase my premiums in the future.

Business

Response:

Dear Ms. [redacted],

This letter is in response to your inquire of June 30, 20141 received July 02, 2014.

I have reviewed the request for assistance and policy; please consider the following:

Our investigation shows that the Insured's application was received on June 16, 2014, and

shows a requested effective date of June 17, 2014. The application requested a Coverage

A of $697,000.00. Page 2 of the application reads in part:

Number of Dogs 1

Type of dog Other

Breed Description Carolina

Please note page 8 of the underwriting guidelines reads in part:

8. POLICY FEE

Each insured will be charged a $50.00 new business policy fee and $50.00 for each

subsequent renewal. Policy fee is fully earned upon binding. For high value

dwellings, $600,000 Coverage A Replacement Cost, the new business policy fee

will be $175.

As the "Carolina" dog is unacceptable per our underwriting guidelines a Notice of

Cancellation was sent to both the insured and his Mortgage Company on June 17, 2014.

The Notice reads in part:

The above named company elects to cancel your policy as proVided by the terms

and conditions of said policy and in accordance with state law.

Take notice that your policy will terminate and cease to be in force effective

on 7/23/14 at 12:01A.M. (Standard Time).

On June 20, 2014, Arrowhead received a request from the insured's Producer of Record.

The request asks for the policy to be cancelled effective June 20, 2014.

The request was processed on June 24, 2014. A second Notice of Cancellation was generated on June 25,

2014. The Notice reads in part:

The above named company elects to cancel your polley as provided by the terms

and conditIons of saId po/Icy and In accordance with state law.

Take notice that your policy will terminate and cease to be in force effective

on 6/20/14 at 12:01A.M. (Standard Time).

Policy cancelled due to: INSURED REQUEST

In conclusion, the insured's policy was issued per the application submitted on his behalf.

The policy was made effective June 17, 2014 and cancelled effective June 20, 2014.

Your policy was set to cancel because the "Carolina" dog, also known as an "American

Dingo" or "Dixie Dingo" does cause us concern. After further review we are willing to

reinstate your policy if still needed.

Please note Arrowhead received no payments for this policy.

Please find an accounting of the policy below.

Sincerely,

[redacted] R. [redacted]

Underwriting Analyst Personal Lines

Arrowhead General Insurance Agency

2548 Campbell PI

Carlsbad, CA 92009

Review: I was quoted an insurance premium and received a service later once signed that was more. The complaint was poor communication of representatives.

I was quoted a premium of $800 over the phone for homeowner's insurance by [redacted] of [redacted], who works with Arrowhead Insurance. I received a call the next day that I needed to obtain a new appraisal for jewelry addition to my homeowner's policy (something I already had on file with [redacted] from my previous insurance carrier. This occurred during the first week of February. I had to go through the hassle of getting a new appraisal, so I did. I was then quoted $860 when everything was drawn up. I did not complain about the slight increase from $800 to $860. Also, during this correspondence, I received several emails with [redacted] customer service, which was a generic address with no rep name. I would this extremely impersonal that the company (both [redacted] in conjunction with Arrowhead) did not share who they were when writing me. This occurred after the initial contact with [redacted].

Next, I was told that my appraisal was not enough to add my wife's jewelry (wedding rings) and I needed a "certified gemologist" even though I received the appraisal from a jeweler that was previously approved through my last [redacted] homeowner's policy with Homesite. After expressing concern over this, a rep called back 1 day later and addressed my complaint and said, "actually, you do not need to get the gemologist anymore...I have taken care of it; you are all set. Nothing else was said to me about any increases.

I submitted new appraisal and there was no problem until I received a new premium that was more. The reps I spoke when I called to resolve this were [redacted] and [redacted] or Arrowhead. This was now on February 10th and 11th, 2015. My new premium was $929.00 higher than my original $800/$860 quote. AT that point, I called and expressed concern once again. My chief complaint was the poor communication of [redacted] with Arrowhead, being quoted 3 different amounts and I was given no explanation that it was subject to an increase based on the new appraisal. I was not provided this information by [redacted], and not by the other two representatives. I found out on Feb. 11th after receiving a surprise email that stated the different premium than discussed with 3 employees. I called back in on the 11th and asked if there was any way to honor what I was quoted and if it could be adjusted. I was on hold for a very long time and the rep (did not document name this time unfortunately). The rep came back and said that they appreciate my business and did not answer my inquiry of lowering my premium back to the agreed upon amount. When I asked, she said your premium is $929. I was not provided with any details of what transpired over the extremely long wait. I said, "are you sure this is the best you can do" and the rep said that I needed to pay the amount of $929. I expressed concern once again and told them I was thinking of canceling based on the treatment I received from customer service. I asked for a supervisor to call or contact me to discuss further and did not receive this contact. No follow up came over the next few days.Desired Settlement: I simply would like the insurance carrier to honor me the premium of either $800 total for homeowner's insurance + jewelry coverage, or $860, the second amount discussed that I was also OK with.

Business

Response:

Date: March 05, 2015To: [redacted]Revdex.com[redacted]RE: ID # [redacted]Dear [redacted],This letter is in response to your inquiry of February 14, 2015. As Arrowhead® General Insurance Agency, Inc. (Arrowhead) is the general agent for [redacted] we are responding on their behalf. We apologize for the delay in responding to your inquiry. It appears we did not receive your inquiry until March 5. Responding to customer concerns are a priority for Arrowhead and we make it a practice to address issues with expediency.I have reviewed the request for assistance and policy; please consider the following:Our investigation shows that Arrowhead received an endorsement request to add coverage for a $1,600.00 jewelry item on February 10, 2015.Upon receiving an appraisal of the item, a $9,000 ring was also listed. On February 13, both items were added to the insured’s policy.We have asked [redacted] Insurance Agency to verify with the insured if he in fact would like to insure both rings or only cover the $1,600.00 ring. Upon receipt of information we will adjust the policy as needed.Thank you for your inquiry. We look forward to resolving our insured’s concerns as quickly as possible.Sincerely,[redacted]Underwriting Analyst Personal LinesArrowhead General Insurance Agency[redacted]Email: [redacted]Phone: [redacted]Fax: [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The issue of poor communication between Arrowhead and [redacted] was not addressed. The customer service issues and the misinformation I received from Arrowhead have also not been addressed. I would accept a premium of $800 for homeowners insurance including the 2 rings on that policy (original amount before breakdown of communication between Arrowhead and [redacted]). I would drop complaints if this request was fulfilled. Thank you.

Regards,

Business

Response:

[redacted], Thank you for your note. As we understand it, the customer service issues brought up in the complaint were: 1. Poor communication of representatives. The insured’s communication during the process of adding the jewelry was with [redacted] Insurance Agency, Inc., the insured’s agent. Arrowhead did not have direct communication with the insured during this time. 2. The premium quote. The insured’s agent, [redacted] Insurance Agency, Inc. provided the quote for one ring based on the information provided to them by the insured. Per the complaint, the first quote was developed from an old appraisal for only one of the jewelry items, which lead to the primary confusion. 3. Request for a new appraisal. Arrowhead did not request a new appraisal. [redacted] Insurance Agency requested that the insured provide them with an updated appraisal. 4. Generic emails with no representative name. Arrowhead had not communicated with the insured by email during the process of quoting and adding the jewelry. 5. Request to a supervisor contact him to discuss further. The request to have a supervisor contact the insured was made to [redacted] Insurance Agency. The complaint reads in part, “My chief complaint was the poor communication of [redacted] with Arrowhead”. Arrowhead has worked in conjunction with [redacted] Insurance Agency to help understand and resolve the insured’s concerns. We have recently been informed that [redacted] discussed the situation at length with the insured and has resolved the insured’s concerns to his satisfaction. [redacted]

Review: On October 30 of 2011 my son was hit by a car when running into the street with his friend while playing football. He had several broken bones and required hospitalization for over a week and two surgeries. In October of 2012 I started receiving notices from Saginaw Anesthesiology that there was a bill for $2295 that had yet to be paid. I immediately began calling the insurance company to get this resolved. I did not start receiving return calls until January of 2014 and those calls are far and few between. I have called the claims department manager several times and have not had one return call. When I started receiving collection notices and a notice that the bill would be turned over to lawyers for wage garnishment I made and agreement to pay $100 per month to take care of this bill that should have been paid by the insurance company. Arrowhead has yet to give me an explanation as to why the bill has not been paid. The last call I received I was told me that I needed me to send a copy of the agreement or a written statement from me that I am paying that bill, but the only explanation that I was given as to why this was necessary was, "so that they can get it cleared up on their end" . I asked if that meant that the bill would be paid and was not given an answer, just more about clearing it up for them. None of the adjusters, supervisors, or managers answer their phones when called but their machines say leave a message and they will call back, which is rarely the case, in with the department manager it has never happened. I also called and complained several times between the first of January 2014 and today, January 31, 2014Desired Settlement: I would like this bill to be paid and reimbursement for any payments that I have made.

Business

Response:

February 07, 2014

Revdex.com of San Diego

4747 Viewridge Ave Suite 200

San Diego, CA 92123

RE: Complaint filed by [redacted]

Complainant: [redacted]

Insured: [redacted]

Claim No: [redacted]

Date of Loss: October 29, 2011

Policy Number: [redacted]

Carrier: QBE Insurance

Policy Type: Personal Auto

Dear Revdex.com,

On behalf of QBE Insurance Corporation (QBE), we are in receipt of your correspondence dated January 8, 2013. Mr. [redacted] filed a consumer complaint in the above referenced matter, relating to unpaid bills.

The complaint alleges that QBE failed to pay medical bills associated with his son's injury. We have reviewed the file. The bills submitted are over one year old, and therefore fall outside of the statute of limitations. Bills must be presented for payment, and paid, within one year of being incurred. The no fault law is very clear on the one year statute, and these bills are over one year old.

We had received a prior bill for anesthesia services in the amount of $2,295.00 for a service date of November 3, 2011. This bill was reviewed and paid at the customary and reasonable amount of $1,794.12 on January 13, 2012. We did not receive any other bills from this facility in question.

We reached out to Mr. [redacted] to discuss his situation. He stated that he had a bill with a date of service of October 30, 2011. Our records indicate that this bill was never sent to us for payment.

We are currently reviewing Mr. [redacted]'s claim further with the QBE. The bills in question are over the one year statute, which was not protected.

Please let us know if you have any further questions.

Sincerely,

Auto Claims Manager

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Though they have resolved this issue with me, there statement about the bill in question never being sent was false as I have documented on each bill as to when they were submitted. That particular bill was actually sent twice. Over the course of two years there were at least 4 different claims adjusters on this claim and rarely did I get the chance to speak with any of them. Even though this issue has been resolved, it is still a very poor business to deal with in respect to customer service.

Regards,

Review: On Dec. 30, 2013 I called American Claims Management who directed me to contact Arrowhead to request that my declarations page in regards to Policy# [redacted], be sent to [redacted] Loan Servicing, the mortgage servicing/lender. I was informed by [redacted] that I no longer had a policy with them and that it had been cancelled because the home was no longer owner occupied and was occupied by a tenant. When asked how could this be when I had received three checks from them in the past 4-5 mos they showed no records of the disbursements. I also explained that I had called on at the very least two occasions to get the declarations page sent to [redacted], she confirmed that I had called [redacted] on Sept. 9 and requested this information. I at no time prior to the December 30, 2013 conversation or my many contacts with the claims department(American Claims Management) was informed of the cancellation of my policy. The roof was replaced in Sept. and the AC unit was replaced in OCT./NOV. and checks were issued that they don't seem to have record of. The letter that was sent out was supposedly sent to an address that they knew I did not occupy because this was the basis for their cancellation.

As a result I have unknowingly been without homeowners insurance as a result of their negligience and failure to communicate properly in writing, email or via phone. As stated in the conversations with [redacted] and [redacted] the policy would have the option of being re-written if there was not a sixty day lapse. This would not be an issue at all had I been properly notified or if this information had been disclosed at some point.

I spoke with [redacted] & [redacted] and left a message for the Mgr. [redacted]

ThanksDesired Settlement: I am requesting that I not have to absorb the obvious cost hike that I will pay for the lapse in coverage which is someone else's incompetence or negligence. I am requesting that my policy be re-instated and that the lapse of coverage become nullified. I would like to have the options that would have been afforded me if due diligence had been taken to notify me of the pending cancellation beforehand and that it had been cancelled even after the fact.

Business

Response:

Date: January 14, 2014

To: [redacted]

Revdex.com of San Diego & Imperial Counties

4747 Viewridge Ave Ste 200

San Diego, CA 92123

RE: ID # [redacted]

Dear Ms. [redacted],

This letter is in response to your email of January 09, 2014. As Arrowhead® General Insurance Agency, Inc. (Arrowhead) is the general agent for Universal Insurance

Company of North America we are responding on their behalf.

I have reviewed the request for assistance and policy; please consider the following:

Our investigation shows that the insured's application for property insurance was received with the following occupancy information:

Occupancy Owner Occupied

The insured's policy was reviewed for renewal on July 15, 2013. The review shows a Hail loss of June 17, 2012. The claims note of May 20, 2013 reads in part:

He moved and uses this property as a rental property. He believes he told his agent at the time they moved out.

Page 2 of the Universal Insurance Company of North America manual reads in part:

GENERAL UNDERWRITING

Eligibility:

One or two family, owner occupied dwellings only.

As the insured no longer occupied the property a Notice of Non-Renewal was generated on July 22, 2013. Our investigation shows that the notice was sent and proof of mailing is on file in our office. The Notice was mailed to the insured's listed mailing address. The Notice reads in part:

The above named company elects to non-renew your policy as provided by the terms and conditions of said policy and in accordance with state law.

Take notice that your policy will terminate and cease to be in force effective on 8/29/13 at 12:01A.M. (Standard Time).

Policy non-renewed due to: WE HAVE BEEN NOTIFIED THAT THIS PROPERTY IS TENANT OCCUPIED. THIS IS UNACCEPTABLE PER OUR UNDERWRITING GUIDELINES AS HOMEOWNER POLICIES ARE REQUIRED TO BE OWNER OCCUPIED.

The policy was Non-Renewed for underwriting reasons effective August 29, 2013.

In conclusion, the insured's policy was reviewed for renewal. A claim listed for the policy shows the insured no longer occupies the property. As our policy requires the owner to occupy the policy a Notice of Non-Renewal was generated.

Arrowhead shows no record of a request to change the insured's address

Arrowhead has generated no payments to the insured. We will assume the payments were related to their claim which was handled by a separate company (American Claims Management).

The insured's Notice of Non-Renewal was sent to the property address.

Sincerely,

Underwriting Analyst Personal Lines

Arrowhead General Insurance Agency

2548 Campbell PI

Carlsbad, CA 92009

Email: [redacted]@arrowheadgrp.com

Phone:###-###-#### X [redacted]

Fax:[redacted]

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