AAA American Air Conditioning and Heating

Computerized to the point of incompetenceSends duplicate paper work, no interoffice communications to correct it, and worst of all everyone you talked with had a different answer to the problemStill getting bills after policy was canceled days agoRefund on unused home policy 6/19/but no action on auto policy as of 6/and both were cancelled the same dayUsed the ol bait and switch to get me to sign up, then raised my premiumHad to cancel and go back to my old insurance company, what a mess

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution is satisfactory to me
Sincerely, *** ***

A response was sent 10/5/"It was a pleasure speaking with you this afternoon. This letter is in response to your consumer inquirey and our discussions on
October 5, at around pm.
As we discussed we will enlist the service of an independent engineering firm to investigate the damage to the septic system and to provide a detailed report. We will request the independent engineer contacts you to schedule an inspection. We will also request that once they have completed an investigation, they expidite the report.""

A response was sent to *** *** on August 4, from Travelers Glens Falls Business Center as follows:
A review of our records found that your policy was originally issued under an installment agreemnt that required a 25% down payment at application followed by equal installments
to pay the term in full. Based upon the issue premium of $1314, this would equate to a down payment of $and installments of approximately $
Your actual down payment was $350, which is more than required. This payment would have reduced the first of the installments by approxmately $
As you are aware, and we acknowledge, the initial down payment of $was not credited to your account initially. The initial bill that was sent to you on 11/11/(due 12/2/13), therefore, reflected a higher minimum due ($559) than was actually required. A payment was still required to bring your account current. No payment was received by 12/2/13, so your policy became subject to cancellation for nonpayment. A notice was mailed for the past due balance by 1/5/14.
The payment of $on 12/19/13, was insufficient to meet the required minimum, even after factoring in the $down payment. We regret Travelers is unable to reinstate your policy

A response was sent to *** ***, July 23, from Travelers *** ** Business Center as follows:
"Thank you for contacting our Consumer Affairs
Department
through the Revdex.comWe appreciate you taking time to share your
concerns and I am writing today to follow up on our phone conversation from
today
As we discussed, we have revised your replacement cost
estimate to reflect the correct square footage and features of your homeYour
new replacement cost is $223,Your new coverage for your home is $240,
We will be sending a refund check in the amount of $that you will receive in
to days
Thank you for your time today as well as your
business."

Complaint: ***
I am rejecting this response because:
After I submitting this complaint, I received contact from an agent that provided me a courtesy credit to bring the current policy down to the $that I was originally quotedThis is a nice gesture but does not address my original complaintI'm not that upset about the money - $36/months is not significantI'm more upset about the principle of thisI was quoted $by different individualsWhen the policy change was processed, the rate increased and I was not informed that it would be different than my quoteTo date, no one one has investigated why there was a discrepancy between the quotes and the actual; I have only either been brushed off or now given a courtesy credit that will not be recognized at renewal.
To be clear on the history: Both individuals that I talked to - *** *** from *** *** and the agent from Travelers went through the same experienceThey both told me initially that the rate was going to go up based on the address change but then they both identified that they had neglected to reflect on the account that I was a homeowner versus a renterAfter making this adjustment, they both confirmed that there would be no change in the rateThis is why I narrowed down on this potentially being the issue though the last person I messaged with told me that this would not affect the policy rate at all
I want someone to investigate the discrepancyIt's my understand that both of my calls where this was discussed were recordedWhy has no one reviewed those recordings? This should clarify.
Sincerely,
*** ***

A response was sent to *** *** on July 28, from Travelers Denver Claim Center as follows:
This letter is in response to
your
complaint filed on 7-27-with the Revdex.com
The Travelers Home and Marine Insurance Company (hereinafter “Travelers)
was made aware of your claim on 6-25-2014.
Upon notice of the claim it was inspected at your shop of choice. A negotiation between the shop and our
appraiser resulted in the replacement of the RT rear door skin. The shop promply cut the door skin off prior
to confirming availability of the damaged part.
Subsiquently the part was ordered and determined to be on National
Back-Order. In an attempt to resolve the
claim we have confirmed that the RT rear door shell is also on National
Back-Order
Today 7-28-I spoke with *** at *** *** *** to check on
the status of the door skin and door shell as the part was to have a release
date of 7-28-2014. She stated she received
notification from *** *** that the release date has been pushed from
7-28-til 8-11-2014. I then
contacted *** at *** *** to confirm what *** advised me of, he
confirmed that neither part is available and both have a new expected release
date of 8-11-but that is subject to change. With both the door skin and door shell being
on National Back-Order the shop, you the customer and Travelers are at the
mercy of the parts manufacturer Nissan.
Since the repair shop of choice cut the door skin off there is nothing
that can be done until Nissan makes the part available for the repair to be
completed
The proposed resolution by *** *** unfortunalty is not an option
as the door shell is not available eitherIt is unfortunate that you the customer are in this position but
there is nothing that Travelers can do to expidite this situation as the parts
simply are not available. Once the part
is available Travelers has authorized the part to be shipped on “Over Night
Status” in an attempt to secure the part as soon as possible. As per the rental car and gas reimbursement
this is not something that the policy allows for as there is no Rental
Reimbusement Coverage purchased with this policy (Comprehensive and Collision
both with a $deductable).
We at the Travelers are committed to providing exceptional claim
serviceIf you have any questions and/or concerns, please contact me."

Complaint: ***
I am rejecting this response because: I have not heard from anyone regarding my complaint
and/or resolution
including from the Connecticut Department of InsuranceCan some one please update me on the status and final decisionSincerely,
*** *** ***

A response was sent 1/4/to ** *** as follows:
"You have requested payment for Additional Living Expenses (temporary housing) while your residence
is deemed uninhabitable by mold growthOur investigation has determined the cause of the mold growth is water leaking from your hot water heater, for a period of to months. As discussed via telephone, email & regular mail on 12/29/2015, since the constant or repeated seepage or leakage of water, or the presence of condensation of humidity that occurs over a period of days or more is not a peril Insured against, your policy does not provide coverage.
As a reference, I have provided the following section of your policy (Homeowners Policy Booklet, HO-(10/06), page 10), which explains this type of loss is not covered. (explanation of policy coverage is within the response letter)
This letter reflects the company’s final position regarding this claim. Our decision is based upon the information and documentation received in connection with our research of this claim. If you are aware of any new or different information or documentation that might lead us to reconsider our decision, please contact us immediately."

Travelers requires additional information in order to refer this complaint to the proper Claims Office to respond....Please provide ***'s last name, Claim #, Date of Loss and/or employer's nameThank you

Complaint: ***
I am rejecting this response because:
As I've shared with you via email, Travelers cannot soundly prove nor disprove that the ice-damming documented in the original claim did not damage the roof and create the breach in the roof that has allowed water to enter into the exterior wallsTravelers site notates that ice-damming can, in fact, damage the roof structureI have yet to be contacted by the engineer even though I provided my phone number on August 26, 2014, and our roof repairs will begin as early as next Monday, 9/That being said, it's hard to believe that an engineer affiliated with Travelers will provide an unbiased assessment; however, I'm willing to take his/her assessment into consideration
Sincerely,
*** ***

A response has been sent to Ms*** on 5/18/ as follows:
"We have been contacted by the RevDex.com on your behalf, concerning the above noted policyThey have shared your
statement regarding the cancellation of your father’s policyI appreciate the
opportunity to address your concerns and provide some additional clarification
I have reviewed the account thoroughly and
based on the information you have provided, both by phone and in writing, I
recognize that the intent was to only cancel the automobile policy and to leave
the Condominium policy intact
I have reinstated the Condominium policy
(with no lapse in coverage) and have cancelled the Automobile policy as
requestedYou will receive confirmation of this by mail shortly
I apologize for any frustration this
situation has caused youOur goal at Travelers is to provide our customers
with a superior experience throughout their experiences with us and I regret
that we did not meet that expectation in your case
Please feel free to contact me directly if
you have any further concerns or require additional assistance."

A response was sent 3/11/from Travelers as follows:
The
Claim Professional tried to make contact with *** *** by phone on
February
5th, February 9th and 10th. Mr*** left voice mail messages for *** ***, but did not receive any returned calls.
On February 10th, Mr*** mailed a contact letter to *** *** and she returned his call on February 17. The Claim Professional inspected the loss on the
February 23rd 2015, which was the earliest date that she was available
to meet with him
*** *** presented
a claim for interior damages sustained to her home, from the result of Storm
water leaking in through her roofOur investigation revealed that the claimed
damages occurred over a long period of time, from wear & tear,
deterioration, rot… which are specifically excluded for coverage.
We
believe our Claim Professional made a reasonable coverage decision based upon
his inspection of the claimed damages, the complainant’s statements and review
of the policy previsionsThe claimed damages did not meet the insuring
agreement for direct physical damage and is specifically excluded for coverage;
continuous repeated seepage of water over a period of time, wear & tear and
deterioration… Based upon the above information, we issued a formal disclaimer
letter, in compliance with *** *** State Regulation
While we can understand the concerns of *** ***, based upon our review of this matter our
coverage determination remains unchanged. (contact information was provided in the response letter)

A response was sent June 11, to MrRamasay from Travelers Spokane WA Business Center as follows:
"Thank you for your recent inquiry to Travelers
through the
Revdex.com. We appreciate the opportunity to address your inquiry
I have reviewed our policy records and find that a
comprehensive loss occurred on May 11, under policy number 98***
when that insured vehicle was damaged due to a hail storm while parked
Travelers paid out $under comprehensive coverage.
My review shows the coding of the Policyholder and Vehicle
Operator portion of the claim report was inadvertently coded as belonging to
you, *** ***, instead of the correct Policyholder *** ***
Our records indicate that you were the only driver on the policy but the
vehicle was owned by *** ***; as the loss was related to the
comprehensive coverage on the policy the claim will remain with the vehicle
owner
After
further review, the claim was correctly noted in our system and the CLUE report
will be updated accordinglyThe loss, regardless of our coding error, had no
impact on premium that you paid on your
Travelers policy as the claim did not transfer from *** ***’s policy
to your policy under number *** *** **
As
you noted in your inquiry you felt that your current insurance carrier was
using this incorrect information to increase the cost of your current policyI
have enclosed for your records a letter from Travelers detailing the correct
claims on your record so that they may update the information used to rate your
policy
Mr* *** I do apologize for any inconvenience or distress this situation has
caused youWe appreciate that you have reached out to us with your concernsv

Complaint: ***
I am rejecting this response because:In their response to *** insurance dept, they stated I requested refund of payment, which is not correctTheir rep chose to issue refund before payment even cleared, a previous rep said to place a stop payment which was doneIt appears their rep(s) made an error in refunding before they even received cleared paymentThis is not my fault and this information has been provided to my attorney in the event legal action is taken by Travelers in regard to this matter, a counter suit may be filed
Sincerely,
*** ***

Complaint:
I am rejecting this response because:
Sincerely,
Susanne French
The reason is that there are no fire hydrants in the town of WestonThere are only fire ponds, the fire pond is right in front of my houseI have lived in the house for years this has never been a problem until nowTravelers has insured the house for the last years and this was never an issue before I also have two conflicting storiesThe agency *** (agency handling insurances) informed me that the reason for the increase was due to the response time from my house to the fire departmentThe fire department is miles from the house with a response time of minutesNow this message states the reason for the increase as being a fire hydrant issueAgain, to make it clear there are no FIRE HYDRANTS in WestonAll home have fire pondsWe also have the West Branch of the Saugatuck River flowing down the side of the propertyThese bodies of water have never completely frozen over in the years we have lived in the houseTraveler's is wanting to increase the cost because this is what the competition is doing. You can also look historically at your records, Revdex.com, of complaints and of the complaints of those complaints have been due to inwarranted increases in premiumsWhich then reinforces the fact that Travelers is trying to validate the increase saying to the issuing agency that it is a distance and response time issue and now telling me that it is a fire hydrant issue

Complaint:
I am rejecting this response because: You should really change your business practices in regards to inspecting properties BEFORE you claim you will insure them!!!!
Sincerely,
*** ***

Complaint:
I am rejecting this response because:
Sincerely,
*** ***
My business name is *** *** ***
*** *** *** ** ***
*** ** ***
My policy number
***
This is the information you requested

Complaint: ***
I am rejecting this response because:
The boss at *** told travelers they will have the witness reach our once he gets there*** did reach out and travelers rejected my witness statement advising that they didn't believe that was an actual witness and told me I wasn't telling the truth and made up the witness, which wasn't trueI have recordings of the person that hit me saying he never to travelers that he didn't hit meThe
** said that travelers just didn't want to pay out the claim
Sincerely,
*** ***

A response was sent to ** ***, August 21, - from Travelers Glens Falls Business Center
Travelers position remains unchanged, a payment was still required in order to bring the account
currentBecause no payment of any amount was received by the due date, the
policy became subject to cancellation for nonpayment
Although we received a payment of $on
12/19/2013, this was insufficient to meet the required minimum