AAA American Air Conditioning and Heating

A response was sent to [redacted] *** 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/ 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 Ms [redacted] on Friday, 5/15/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, During my review of your billing account for the above referenced policy, I see that you received and deposited the check on May 13, As we discussed by phone today, a refund was re-issued to you on your homeowner’s policy for $ Please expect this check within 7-days under a separate cover Again, I apologize for the delay you experienced receiving the check by mail."

A response was sent to [redacted] ***, July 1, from Travelers [redacted] ** Business Center as follows: "Thank you for your correspondence of June 29, which has been forwarded to us from the Revdex.com for response We appreciate the opportunity to respond regarding the recent cancellation of your automobile policy We have reviewed our policy records and find this policy was originally issued by the agent effective April 8, According to Travelers new business eligibility requirements, any operator who has owned a car that has been uninsured for more than consecutive days, or who cannot show prior automobile liability in coverage in force for at least consecutive months, is ineligible At the time of application, it was indicated to us that you had maintained continuous insurance for a period greater than or equal to months but less than one year and that that you had been insured with your current carrier (at that time) for less than months This met Travelers new business eligibility However, we were not able to validate this information Therefore, on April 21, 2014, a letter was issued to your agent requesting proof of prior insurance When we did not receive a response to our request, a Notice of Cancellation was issued on May 29, informing you that your policy was being cancelled effective June 13, because we did not receive the necessary information to complete our underwriting process Specifically, we did not receive a copy of the declaration pages from your prior carrier showing months of continuous insurance On May 30, 2014, our customer service representative informed you that your policy was being cancelled because we did not receive proof of prior insurance and requested that you fax in your prior declarations page for consideration of reinstatement On June 2, 2014, we received your fax and you were informed that it would be reviewed by an underwriter for possible reinstatement On June 7, 2014, you contacted us to make a payment At that time, you were informed that your policy had not been reinstated and that the documentation you provided was still pending underwriting review In addition, we informed you that the underwriters are not available on weekends and that you should call back on Monday (June 9, 2014) for our decisionWe were not contacted again until after the cancellation effective date It important to note that the information (declarations page) provided by you on June 2, was not accepted by the underwriter as proof of continuous insurance coverage because it did not confirm continuous insurance coverage for a full monthsThe risk does not meet our eligibility guidelines and the reinstatement of the policy was declined We regret that we are unable to reinstate the policy to provide coverage for the loss that occurred on June 14,

A response was sent 4/22/as follows: "I am responding to your inquiry regarding the above captioned claimPlease note that as an initial matter that your are not our customer; rather you are a unit owner in the condominium community where we insure the Association Given your connection to the claim however, we are responding to your concerns This claim was initially reported to [redacted] on June 9, After an initial inspection of the damaged units involved, we wrote an estimate and provided it to our insured point of contact on June 18, As the claim was below the insured’s deductible at that time, no payment was issued After learning of your incurred cost, which was higher than our estimated cost by roughly $4,000, we made several revisions to the estimate while attempting to speak with the contractor who performed the repair We did not, and do not now, feel the cost incurred by you was reasonableHowever, a decision was made in December to pay based on this cost in an effort to protect our insured, [redacted] The reason for any delay in payment was due to a dispute regarding the reasonable cost of the workWe continue to disagree that the cost incurred was reasonable, but in an effort to reach a resolution we have paid the disputed charges in fullAdditionally, there is no language in the policy entitling either our named insured or any unit owner from additional interest paymentBoth the association and the unit owner have been indemnified, and no further funds are dueThis has been communicated to you on multiple occasions I sincerely hope that our conversations have addressed to your concerns."

A response was sent to [redacted] 5/23/- outlining the timeline and valuation offers made for her vehicle Each time valuation offers were made she has rejected them size="3">Pertaining to the two days that she alleges she was unable to get to work due to no transportation the claim representative made contact with her on Monday April 25th and accepted liability the next day The liability decision was made within two business days which demonstrates no delay in handling Additionally, the law requires a person who has sustained damages due to the negligence of another to take all reasonable steps to minimize [his] [her] damages In this case it would have been appropriate for her to obtain alternative transportation to and from work on Monday and Tuesday Considering the liability decision was made Tuesday afternoon we would be willing to allow the cost of two more days of rental which was $per day or $59.94, which is based on the cost of a rental plus applicable taxes

A response was sent to Ms [redacted] on 4/15/from Travelers: Travelers aims to indemnify its customers with a fair and accurate [redacted] ***) when a vehicle is deemed not to be repairableAfter reviewing the valuation and local market information with the total loss handler, we believe the settlement extended by Travelers to be an accurate assessment of the value of your vehicle

A response was sent 4/29/as follows: "My apologies that you feel Travelers response to your complaint was unacceptable and unfair However, Travelers stands by our [redacted] settlement, and our claims handling practices during the course of your claim Again, I am sorry that the settlement amount provided did not meet your expectationsYour policy does provide an Appraisal Clause if you wish to invoke it to help resolve the dispute over the value." (The language of the clause in the policy was provided in the response letter)

Following an accident by this company's client that totaled my daughter's car, Traveler's gave us a low ball offer for her car, by several thousand dollarsAll we asked was enough funds to purchase a similar aged car ( years old)The initial offer took the company several weeksNow over months later, Travelers has refused to budge, despite many many exchanges and proof of the value of the carThe Travelers staff have been unresponsive for many weeks at a time, and have refused to consider the copious comps we have provided themThe business practice of this company is to make sure that they provide substandard service to those their clients have wronged, dragging put the process so that the aggrieved party must settle for pennies on the dollarA deplorable company

A response was sent to [redacted] , September 24, from Travelers [redacted] ** Business Center as follows: Thank you for your recent inquiry to Travelers through the Revdex.com I appreciate having the opportunity to address your inquiry in this letter I have reviewed your policy closely as well as the documentation that has been sent to you and would like to reconfirm in order to maintain your Travelers policy we will require proof of repairs for the following items: · Repair to peeling exterior paint · Debris has been removed from backyard and yard has been landscaped · Clutter has been removed from garage area · Rotted wood has been repaired over patio door I have contacted our Claims department and was advised that the camera and SD memory card have been sent back to you via [redacted] ** and will require a signature to receive the packagev

A response was sent to Ms Hill 4/3/from Travelers Spokane Business Center as follows: "Thank you for your recent inquiry to Travelers through the Better Business Bureau We appreciate the opportunity to address your inquiry In your correspondence, you noted your dissatisfaction with the nonrenewal action taken due to your comprehensive loss history and the absence of contact after each loss As explained in your policy jacket, provided sufficient notice is given, we may elect not to renew your coverage at the policy anniversaryAs industry statistics have shown that driving records and loss history are predictive of future claims, our underwriting staff conducts a periodic review of the driving records and loss history of our policyholdersIn your case, based upon the six comprehensive losses within the last two years, the policy is no longer eligible for continued coverage with Travelers Our underwriting guidelines and the specifics of our rating plans are proprietary and confidential We do not share this information with the general publicAdditionally, based upon policy and claim volumes, we would be unable to contact each insured to discuss the policy implications related to each claim filed While I understand and empathize with your disappointment with our current procedures, I cannot alter the non-renewal your policyAdditionally, I am unable to remove the comprehensive losses from your Travelers claim record as requestedPlease know that action taken is based on our filed rules and rates in the state of Arkansas which apply to all policyholders regardless of the number of years insured with Travelers."

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, A refund of unearned premium for your home policy was mailed to you on March 14, We are sorry to have lost your business through

I recently had a stress claim crack on my boat after years of making premium payments The claim was handled well and payment was made As a result of the claim my policy was cancelled which was not explained to me in the beginning of the process I feel this company should explain to its customers that it is ok to make premium payments but if a claim is made that is what will happen to you

A response was sent to MrReed on May 21, from Travelers Overland Park KS Claim Center as follows: "Please allow this letter as our response regarding a complaint you filed with the Revdex.com I have completed a review of your claim and understand that you are not satisfied with the offer of settlement proposed by Travelers Property Casualty Company of America (“Travelers”) to resolve your claim to conclusion Your claim was reported to us on February 07, [redacted] *spoke with you on 02/07/after she received the assignment of this claim Your claim was subsequently reassigned to Abbie H You and I discussed your claim on May 19, as you were unsatisfied with the offer to resolve your claim that you received from Travelers In our conversation you indicated that you retained the services of a contractor and signed a contract with them You indicated that your expectation was that we would pay your claim from the estimate prepared by your contractor I indicated that it appeared from the claim notes that your contractor wrote to repair or replace items that were not of like kind and quality of the items that needed repair or replacement as part of your home We discussed that we owe for like kind and quality of materials and we do not owe to provide upgraded materials for your home At that time, I suggested to you that you provide a copy of the estimate prepared by your contractor and that we would have the estimate reviewed and move the discussion from there We do have a copy of the estimate prepared by your contractor You also indicated in our conversation that you believed that your Wurlitzer jukebox was electrically damaged and now your jukebox has a short in it You also expressed concerns about the value of the leather couch I suggested that you address your concerns with the evaluation and that if possible to please provide documentation to support your position on the value of the repairs as well as the jukebox and couch It appears that you and [redacted] are actively engaged in moving your claim forward"

Please accept my sincere apology for the delay in handling of your cancellation request and for any upset caused by the recent collections notifications I was able to verify the cancellation date of September 10, at 12:01am and I have updated our records accordingly I have also made the necessary adjustments to remove your account from our collections department As we discussed, this debt was not reported to any credit bureaus and therefore had no impact to your credit You can expect to receive a refund in the amount of $within the next two weeks

A response was sent 8/16/ We have thoroughly reviewed our policy and billing records and see that all refund checks totaling $that were reissued to you at your new address have been cashed since your inquiry was filed on August 2, 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)

Complaint: [redacted] I am rejecting this response because: I have had subsequent communication with the company which corrected their first response and left the door open for further discussion The matter is still openI've attached yesterday's email communication for your information Sincerely, [redacted]

A response was sent to MrWade, March 26, from the Travelers Knoxville TN Business Center as follows: "Thank you for your recent inquiry to Travelers through the Revdex.com I appreciate having the opportunity to address your inquiry in this letter I have reviewed your policy and claims from September 27, and October 13, and per our notes, I see that we covered the water and sewer damages to your home on both claims to your satisfactionDue to these two claims, you are ineligible at this time for a Travelers policy In your letter you are requesting that Travelers secure a check from [redacted] *o pay for one of your claimsSubrogation is handled through our claims department and I have forwarded this information on so please expect a response from our claims department in the near future."

A response has been sent to MrCrosswhite, 4/16/from Travelers Denver CO Claim Service Center as follows: "This letter is in response to your second filing with Revdex.com concerning our response dated March 28, The Travelers Home & Marine Insurance Company, hereafter Travelers, strives to provide the highest level of customer serviceWe regret that you are dissatisfied with our liability decision As we stated in our previous letter we are unable to provide liability coverage for this loss due to a sudden emergency defenseOur Insured, Mr [redacted] experienced a heart attack that incapacitated him Under Nevada law this is a viable defense would relieve Mr [redacted] of any legal labiality for any damages sustained while he was incapacitated Attached is our first letter in response to your complaint filed with the Better Business Bureau that also explains this defense and why Mr [redacted] would not be held liable for your damages We remain open to consider any additional information or evidence to the contrary If you should need any additional information please let me know"

Complaint: [redacted] I am rejecting this response because: Received packet with response letter from [redacted] office dated 10/2/2014, in the letter on page 2: "History Report which reveals that on September 5th, at your residence location that you did have some wind gusts but the report does not identify any sizeable hail hits." I am attaching pictures from my neighborhood and from the [redacted] newspaper archives from my neighborhood on the hail stormMy argument is how can houses in my same neighborhood, and right next door to me suffer hail damage significant enough to replace their roofs and mine did notThere are other houses covered by Travelers in same neighborhood, that their roofs were repaired? Also because of the age of my roof, it will suffer more damage including granular displacement from the hail impact Sincerely, [redacted]

Travelers position has not changed since the 7/1/response to [redacted] ***