AAA American Air Conditioning and Heating

A response was sent to [redacted] on August 18, 2014 from Travelers Alpharetta GA Claim Center as follows:
"This letter is to follow up on our conversation from August 12, 2014 in which we discussed your concerns regarding...

The Travelers Home and Marine Insurance Company’s (hereinafter referred to as Travelers) inability to recover your $500 deductible. This deductible was incurred due to a September 21, 2013 accident involving a vehicle that opened their car door into your vehicle in a parking lot. The insurance carrier for the other vehicle did not accept liability for the loss and you filed your damages under the collision coverage of your auto policy.
Travelers conducted an investigation into the loss and determined that you were not responsible for the accident. This was based on the police report, points of impact and statements obtained. However, the other insurance company found you to be at fault for the accident for improper passing. Intercompany arbitration was then filed to resolve the dispute between the carriers and to attempt to recover the amount paid on your claim. On May 2, 2014 Travelers received a decision from an arbitration panelist. The panelist stated that in your statement you admitted to seeing the other vehicle stop and put on their lights to indicate they were going to let out passengers at the entrance to a grocery store. The panelist ruled that more care was needed by your part while passing. They ruled that you were 75 percent at fault for improper passing but did place 25 percent negligence against the other party for not taking more care when opening their car door.
Due to the fact you were placed as being majority at fault for the accident by the arbitration panelist, we are not able to recover any amount paid on your claim by you or the policy. During our discussion you asked for the other carrier’s information to give them a call to discuss their decision to deny liability from the onset. I provided that information to you for your reference."

Complaint: [redacted]
I am rejecting this response because: This letter has not been received by my self or my husband. I did receive a call from this man telling me it was over and he was not going to change his mind no matter what we do. The agent who was here as I said previously showed my husband and my self the wet installation when he removed it, as well as the step ladder he was on become wet. We also have the word from [redacted] saying the damage was obviously from the sink leaking and as there was no mold when she was here but it was less them 5 days later tells you this agent is lying. His boss also claimed he would call travelers and the agent to have a conference call which has not happened. Then we also have the call from [redacted] claiming she doesn't trust the Agent who was here and that Travelers would no longer use them.  This company is lying to cover them selves while a family with young children cant use the one working bathroom in their house. This email also comes after Travelers sent a satisfaction survey to me. I have the proof of the leak and when it started and the phone calls. When we purchased this house Travelers was already the insurance company, they know the damage they are claiming happened has actually been repaired prior to 2006 when we purchased the home. They need to admit to wrong doing and take care of the problem. We were also told by an agent at travelers, another manager, that it would appear that [redacted] and [redacted] are all looking for reasons to deny all claims coming from us. We do not know why as we have been denied 3 times on 3 different claims. This needs to change and they NEED to be held responsible. We pay them to protect our home and family but they refuse to do that. If this isn't corrected I will hire an attorney to go after Travelers for damages and a full refund of all premiums paid over the last 8 years.
Sincerely,
[redacted]

Complaint: 9979293
I am rejecting this response because:
My thoughts and prayers go out to Mr. [redacted]'s family for their tragic and untimely loss. Mr. [redacted] has travelers
Insurance to protect himself,other drivers, and their property from accidental damage or property loss. I
Am requesting travelers insurance company to make me whole and compensate me from this accident involving 
Their insured, Mr. [redacted]. It is shameful and disgraceful how travelers insurance company has made every
Attempt in not fulfilling their insured, Mr. [redacted]'s, liability in this automotive accident caused by Mr. [redacted]. Regardless 
Of any medical condition that Mr. [redacted] had, my property is lost due to the accident caused by travelers insurance 
Company insured, Mr. [redacted]. Mr. [redacted], your insured, caused my property to be damaged and subsequently a loss of my vehicle 
And has created a painful and stressful ordeal in my life. I have attempted several times to resolve this matter with travelers insurance company. Hopefully, travelers insurance company will reverse their uncompassionate and unlogical defense for denying to make me whole and compensate me for the loss of my Property.
 
Sincerely,
Rashay Crosswhite

A response was sent to Ms [redacted] 5/29/2015:
"We have been notified
by the Revdex.com of your concern regarding the above referenced
claim and...

specifically unpaid rental charges.
The allowed rental
time for this repair was 2 days.  The
rental over the allowed 2 days was not paid because it was related to an
assessment of prior, unrelated damage. 
You confirmed with Travelers claim professionals there was damage from a
prior accident. This discussion took place before you took the car to the shop
of your choice for repair.  During this
conversation, the claim professional explained that charges related to the
prior, unrelated damage would not be paid for under this claim."

A response was sent to Ms. [redacted] on Friday, 5/15/2015 as follows:
"Thank
you for your recent inquiry through the Revdex.com. ...

We appreciate you taking the time to share
your concerns and the opportunity to assist you.
Please
accept my sincere apologies for your recent experience.  We pride ourselves on delivering an
exceptional customer experience and regret failing you in that regard.   Although I am unable to provide a reason as to
why you did not receive the original check, I see that our service team had
this re-issued to you on May 7, 2015.
During
my review of your billing account for the above referenced policy, I see that
you received and deposited the check on May 13, 2015.  
As
we discussed by phone today, a refund was re-issued to you on your homeowner’s policy
for $250.00.  Please expect this check
within 7-10 days under a separate cover. 
Again, I apologize for the delay you experienced
receiving the check by mail."

Complaint: [redacted]
I am rejecting this response because: Travelers, Inc. deliberately fabricated my statement  in order not to reimburse my expenses. I request a proof of the following statement: "seeing the other vehicle stop and put on their lights to indicate they
were going to let out passengers at the entrance to a grocery store".
Sincerely,
[redacted]

A response was sent 8/16/2016....
We have thoroughly reviewed our policy and billing records and see that all 4 refund checks totaling $540.39 that were reissued to you at your new address have been...

cashed since your inquiry was filed on August 2, 2016. We consider this matter resolved but are happy to answer any additional questions or concerns you may have. (contact information was provided in the response letter)

A response has been sent to Mr. [redacted] from Travelers 5/8/2015:
Mr. [redacted] will be receiving  refund check of $6.00.

A response was sent to Ms Clingan on March 18, 2014, from Travelers Glens Falls Business Center as follows:
"Thank you for your recent inquiry to Travelers...

through the
Revdex.com.  We appreciate
you taking time to share your concerns and I am writing today to follow up. 
Please accept my sincere apologies for the delay in handling
your request to cancel your home and auto policies.  I have completed a review of your account and
can confirm that both policies have been cancelled per your request effective
February 24, 2014.  A refund of unearned
premium for your home policy was mailed to you on March 14, 2014.
We
are sorry to have lost your business through

Travelers position has not changed since our November 17,...

2015 Department of Insurance response.  Therefore a response will not be going out to [redacted]

Complaint: [redacted]
I am rejecting this response because: Traveler did not act with due diligence. Travelers did properly inspect our roof and did not attempt to reinspect anything.
These people are a fraud and are only concerned about collecting premiums and not honoring customers policies. I want to be reimbursed in full for the cost
of our roof repair which is approximately $7,000.00 .  
Sincerely,
[redacted]

A response was sent to Mr. [redacted] on 8/10/2015:
Travelers Claim Rep inspected the loss with you on March 31, 2014. 
He was able to...

provide coverage for the vandalism damage to the building
glass and associated items that were installed by you as a tenant betterment
and improvement.  He also provided
coverage for the loss of business income during the time of the loss.  Payments in the amount of $1,372.31 were
issued to you for the covered portion of the loss. 
In
addition, you claimed damage to the rooftop air conditioning unit as part of
the same vandalism loss.  Upon inspection
it was determined that the top grate, fan and other components inside the unit
was missing.  This damage is not
consistent with the vandalism loss to the front of the building.  Surveillance video showed the suspect
breaking the front glass of the building and running away.  The suspects would not have had access to the
roof during that time.
In
addition, Travelers inspected the same air conditioning unit with you on August
7, 2013 for a claim of theft/vandalism on July 24, 2013, under claim
[redacted].  At that time, the A/C unit was
not working as the fan and motor had been disconnected and was lying on the
bottom of the unit.  Travelers determined
there was no coverage for this loss and you were advised the same.
At
the time of this inspection, Travelers Claim Rep requested the repair invoices showing
that the unit had been repaired since the July, 2013 loss and was operational
at the time of this loss.  These invoices
were never received by Travelers.  Based
on the fact that the damage to the rooftop air conditioning unit is not
consistent or in close proximity with the type of damage found on the
surveillance video, no coverage was provided for this part of the loss.  There is also no indication that the unit was
repaired or operational after the initial inspection on August 7, 2013.  A denial letter for this portion of the loss
will be sent to you under separate cover.

A response was sent to Mr. [redacted] on 7/2/2015 as follows:
"You
filed a claim due to damages sustained as a result of a fire/smoke loss on
March 22, 2015, as a result of a chimney...

fire. We received the claim on March
22, 2015, at 2:41 pm and contact was made on March 22, 2015, at 3:15 pm to
discuss the facts surrounding the loss. Due to the home being uninhabitable,
due to the amount of smoke, we coordinated with you all to set you up in a
hotel until the inspection could take place. The adjuster set an inspection
time with you for March 23, 2015 at 1:30 pm. At the time of the inspection, Mr.
[redacted] chose to stay in the home while the rest of the family stayed at the
hotel. The adjuster reviewed the property and discussed the scope with you and
your contractor to get an agreed scope as to what needed to be done to clean
the home and remove the fire damaged material to rid the home of the odor. The
adjuster also approved an additional 2 weeks of Additional Living Expense for your
family to remain at the hotel until this work could be completed. The
contractor’s then advised Mr. [redacted] that no one could stay in the home during
the cleaning process; therefore, he then joined the family at the hotel.
The
adjuster completed his initial estimate on April 2, 2015.  This estimate was provided to you along with
the initial payment to be used to cover the costs of the cleaning repairs to
make the home habitable. On April 6, 2015, you provided the claims adjuster
with photos of soot still located within the cupboards after your contractor
completed the cleaning and voiced concerns of damage to some of your flooring.
There was also some concern as to the extent of the damage to the fireplace.  In light of this additional information, an
engineering firm was contacted to inspect the fireplace. The adjuster also
agreed to again meet with you and your contractor on April 14, 2015, to assess
the additional damage and certain contents that had been cleaned but still
smelled of smoke. The adjuster addressed the flooring damages and adjusted the
estimate to include the additional repairs that were needed.
On
April 17, 2015, the engineering firm inspected your home and the fireplace. The
firm concluded that the fireplace and chimney were structurally unaffected as a
result of the fire. The engineer found that the actual fire was a result of the
chimney being installed directly against the exterior framed wall, which caused
the framed wall to combust when the chimney heated up. The chimney was improperly
constructed against current residential code as it did not provide the minimum
2” clearance from any combustible materials. The adjuster received the official
engineer report on April 29, 2015, and provided a copy to you for your records.
The estimate was then updated to reflect the cleaning of the chimney and
fireplace as the engineer confirmed no structural damage to the fireplace or
chimney.
Your
next concern was the chimney and the framing, which are currently against code.
The adjuster advised Mr. [redacted] on May 8, 2015, that the policy did not provide
coverage to correct improper workmanship; however, if the local municipality
were to enforce an ordinance or law requiring additional work to be completed
to meet that ordinance or law, the policy had additional coverage to account
for those costs. The adjuster advised Mr. [redacted] and your contractor that they
would need to get something in writing from the local municipality outlining
what exactly they were enforcing, if anything at all, before Travelers could
proceed with any further adjustment to correct this issue.
The
adjuster followed up with your contractor on May 27, 2015, to request status on
any ordinance or law enforcements being made by the local municipality and
received a response from the contractor on May 31, 2015, advising they have
left multiple messages and had not heard back. The adjuster followed up again with
the contractor on June 15, 2015, to determine whether any ordinance or law
enforcements were being made.  The
contractor responded that they only received a verbal response that the issue
with chimney needed to be corrected and that the municipality was working on preparing
an official write up. When it became apparent your contractor was not placing a
priority on gathering this information, the adjuster went straight to the
municipality to expedite the process and obtained the necessary information to
confirm the enforcement. The adjuster updated the claim and the estimate to
include these additional costs and submitted this information to you on June
24, 2015. At this time Travelers is not aware of any additional issues regarding
the repairs to your home.
In
conclusion, the adjuster has responded timely with any requests made by you and
has continued to coordinate with you to address your concerns. The only time
anything was communicated to you about providing a name for a different
contractor was when you voiced concerns regarding the lack of quality cleaning
and/or the missing of areas on your contractor’s part. In response to these
specific complaints by you, the adjuster advised that he could provide the
names of additional contractors for you to consider if you were unhappy with your
current contractor. Furthermore, every time the estimate was updated to account
for additional repair or cleaning costs, the adjuster issued an additional
payment to you so you would have the funds available to complete that work. If
any work was not conducted timely, it was not a result of the adjuster holding up
a payment but, rather, an apparent lack of coordination between you and your
contractor. Finally, throughout the time the home was uninhabitable, you have
had access to utilize your Additional Living Expense coverage to stay elsewhere
until the cleaning was completed.
Moving
forward, Travelers will continue to diligently work with you and your
contractor to fully resolve any additional issues, which will include
continuing to follow up with you and your contractor to verify that the repair work
is commencing. If there are further belongings that may have sustained damage
as a result of the loss, we will continue work with you to evaluate them to
determine the reparability and/or replacement. "

A response was sent to [redacted] on 9/11/2015.
At the time the policy was issued a replacement cost estimator evaluation resulted in an estimated replacement cost, policy was issued with coverage for the dwelling at $400,000 and was agreed to by both parties.  An exterior...

inspection was conducted by an outside frim and the replacement cost for the dwelling was $589,461.   The policy increased coverage, and insured was notified.  Since [redacted] submitted additional documentation about his home and an updated replacement cost calculation for his  home was completed, it was determined replacement cost coverage is $438,500, previously communicated to [redacted].

Complaint: [redacted]
I am rejecting this response because: I have contacted [redacted]. They are not willing to this repair as Travelers estimate and adjustment. Reason:  1. The labor hours total are 15.7 hours from [redacted] but only 12.3 hours from Travelers. The difference: 3.4 X 50 = 170.00.  2. The part: Longo, $542.43, travelers, $378. The difference: $164.43. Total amount is short: $334.43. 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:  This insurance co is fabricating events. Travellers Insurance says that their adjuster denied claim from the beginning. Actally, the adjuster DID approve it  explicitly stating that damage was caused from water. Not only did she approve it but discussed with me and with **, the licensed [redacted] Dealer's repair service center manager, exactly where and when the reimbursement check from Travellers Insurance would be sent. ** at [redacted] Dealer can verify this. 
Travellers Insurance states that the corroded wiring harness is located under the vehicle's hood. Well, yes, where it is for any vehicle. But, this one is specifically is located right where the hood props up when hood is opened. It had been raining so hard for weeks that the sealant normally preventing rainwater from dripping under the hood  dissolved. This allowed all rain from those hard storms to wash under the hood and onto wiring harness. Hence, corrosion. 
 Travellers Insurance says that I inquired about whether I could "reach out to Revdex.com."  Nope. Their fabrication again. Actuality, Revdex.com was never, ever mentioned at any time by me or by any representative of Travellers Insurance. Revdex.com was never included in any conversation. Never.   Travellers Insurance says their rep told me I was within my rights to contact Revdex.com. once again, those words were never spoken as Revdex.com was never mentioned. Obviously,  Travellers Insurance is rather confused with actual facts. 
Travellers Insurance say that their rep (Mr. [redacted]) was not rude. Well,  I alone, was the other person in those conversations and am here to say their rep was downright smug and condescending towards me.  I would suggest that Travellers Insurance reevaluate their company's lack of standards, or rather, their company's acceptance of blatantly unprofessional behavior.
Travellers Insurance suggested that denied claims can be the reason for their customer's construing of poor service. That is insulting to all of their customers throughout the nation. This company infers that their honest customers, are not smart enough to identify an issue in question as versus identifying the demeaning attitude of their representative. That reflects greatly in a negative was for Travellers Insurance.
To the hard working consumers out there - reflect on what is happening here. Notice the effort Travellers Insurance is spending to deflect their responsibilities over one, single, small claim that was not going to cost much from the beginning. 
I am simply identifying unfair practices of this insurance company.
Sincerely,
[redacted]

A response was sent to Mr. [redacted] on 6/18/2015:
The response letter included a timeline back to 2012.     "Since your rating, we have had multiple emails from you and responded back...

and tried to resolve this
case with you for $8000 which significantly exceeds the rating you were given by the treating physician.
We never received any report from any physician you may have obtained a second opinion with. We
also never received any correspondence from an attorney indicating you are represented by them yet
many of your emails do refer that you were being advised by attorneys.
We have made multiple efforts to resolve this case with you for more than the value of the rating given
by the treating physician and ultimately the statute of limitations has now run and we are not able to pay
anyhing out on this claim. You were notified many times of our offer as well as the statute of limitation dates".

A response was sent via email from Travelers, 5/27/2015 as follows:
"Thank you for speaking with me by telephone on May 26, 2015
in regards to your inquiry filed through the Revdex.com....


As we discussed, In order to process the cancellation
effective May 15, 2015, the date you referenced it was donated, Please have
your mother sign the request form and return it to me along with a document
showing your mother is the executor over your brother’s estate.
Please let me know how I can be of further
assistance to you and your family during this time of need and again please
accept our sincerest condolences for your loss. "

A response was sent to [redacted] on 2/23/2016:
We have conducted a review of our records and note that your agent has cancelled this policy effective January...

26, 2016 per your request. Your agent also removed the service fee and late charge that were applied on January 28th. With these transactions, there is no balance due on your account.
However, with our additional review, we agree that the late charge and service fee you were assessed in August 2015 should also be waived.  As such, you can expect a refund under separate cover within the next ten days.

A response was sent to Mr **, 5/18/2015 as follows:
"We have been contacted by the RevDex.com on your...

behalf, concerning the above noted policy. They have shared your
statement regarding the refund that was due as a result of the cancellation of
your policy. I appreciate the opportunity to address your concerns and provide
some additional clarification.
I have taken a thorough review of your
account and understand that your desire was for a check to be issued to you as
opposed to the electronic refund that occurred. Unfortunately by the time we
were made aware of this, the refund had already been sent back to the account
that had been used to pay your premiums.
Once we have sent this refund to the card
company/bank, the money is no longer under Travelers control; we cannot cancel
the transaction once it has processed. In the event the account is closed, or
if for some other reason the refund cannot be processed by the receiver, we
must wait to be notified by them of such, and the money is then transferred
back to Travelers. I have found that this refund has been rejected and was
subsequently transferred back to Travelers. As a result, we are issuing a
refund check today that will be mailed to you. This will arrive under separate
cover.
I apologize for any frustration this
situation has caused you. Our 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.
Thank you again, Mr. **, for bringing these
concerns to our attention. Should you need any further assistance, please feel
free to contact me directly."