AAA American Air Conditioning and Heating

A response was sent to Ms***, October 23, from Travelers
"Travelers has
researched your file and we are willing to reconsider coverage for
your
business. This will be based on a new
application for insurance and will depend on current underwriting
criteria. Please contact your insurance
agency so that they can help to obtain the appropriate underwriting
information."

A response was sent to *** ***, July 1, from Travelers *** *** ** 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, 2014. 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,

Complaint: ***
I am rejecting this response because:
I know that I have the same coverage that I had in ***t but that is precisely the point and this makes me even more frustrated with travelers because it makes me think that travelers did not even read my complaintThe point is that I was not happy with the coverage that I had in *** which is why when I switched over to *** * *** the travelers representative to write my new policy so that if I get involved in another hit and run I want to have a $deductible which later I found out is called a $collision deductible but the travelers agent did not do what I asked and that is the problemThe reason I know I asked for a $deductible was because before I moved to *** I was involved in a hit and run and my deductible was $but I wished it was $like when I lived in Texas and I had a different insurance company but the reason why I did not argue with travelers was because I knew I did not ask for the $deductible within my policy was written for *** but I know for a fact that I asked for a $deductible when my policy was written fo* *** which is a reason why I am so mad at travelersI have been a customer with travelers for two years at least and I expected representatives to write me the policy that I ask forIf I did give my authorization it was because I was not aware that I was not given a $collision deductible because I just assumed that travelers would write me the policy that I asked for and that I pay for with my hard earned money and I know that I did not sign anything saying that I accepted the policy So again I expect travelers to make their representative's mistake right by either reducing my deductible for claim number *** to $like I originally asked travelers to write my policy for or if that's not possible the other option is to mail me out a check for $to make up for the amount of my deductible that I would have to overpay because of a mistake that a traveler's representative made.
Sincerely,
*** ***

An email response was sent to MsMartinez, 3/19/from Travelers St Louis MO Premium Audit Unit, as follows:
"Hello MsMartinez, I did some checking on the
status of your refund and have confirmed that your refund in the amount
of
$13,will be mailed out tomorrow"

A response was sent 3/3/to Mr*** as follows:
I have been provided with a copy
of your Revdex.com complaint
submitted on March 27, and have
been asked to respond to youI’m sorry for the confusion about the Extended
Transportation Coverage on your auto policyPlease allow me to explain
further
Your policy has a limit on rental
car coverage of $per day to a maximum of $to provide rental coverage
during the repair or replacement of your covered vehicle. The specific policy language regarding this
coverage is found in Endorsement *** under paragraph B of your policy. The endorsement contains the following
wording:
Our payment will be
limited to that period of time reasonably required to repair or replace the
“your covered auto” or the “non-owned auto”. (an explanation was given as to the timeline of his rental period)
As the policy language quoted above indicates,
the Extended Transportation Coverage does not provide an automatic days of
coverage. The day / $benefit you purchased is a limit or maximum
of coverageAs the policy specifically states, our promise to pay is for that period of time reasonably required to
repair or replace “your covered auto.” As the policy language quoted above indicates,
the Extended Transportation Coverage does not provide an automatic days of
coverage. The day / $benefit you purchased is a limit or maximum
of coverageAs the policy specifically states, our promise to pay is for that period of time reasonably required to
repair or replace “your covered auto.”

A response was sent to Ms*** 5/18/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 email
We have completed a review of your account and I took the
liberty to inquire through insurance history reporting and found that you
replaced your coverage effective August 21, We have adjusted your billing
and have sent a request to cease all collection activityDue to the date of
your replacement coverage, we will be sending you a refund for approximately
$Also, there will be no record of the collection activity on your credit
report
I welcome an opportunity to discuss any
additional concerns you may have. "

A response was sent to MrPeterson on March 28, 2014, from Travelers Knoxville TN Business Center as follows:
"Thank you for your
recent inquiry
to Travelers through the Revdex.com. We appreciate the opportunity to address your
concerns
In your
correspondence you indicated you did not receive notification that physical
damage coverage would be removed from your policy. MrPeterson, I reviewed our records and
found on October 19, we mailed a letter to you explaining physical damage
coverage would be deleted from your policy effective December 8, and your
liability coverage placed in the North Carolina Reinsurance Facility effective
December 8, 2012. A copy of the
notification is enclosed for your review and records
A claim was filed for
damage to your vehicle that was sustained on March 4, 2014. Since there was no physical damage coverage
present on the policy on that date, this claim was denied. I am sorry you were unaware that your policy
does not provide physical damage coverage, however, our position continues to
be that there is no physical damage coverage available for this loss
We failed to provide
notification of the coverage removal to the lienholder, SECU. Under the terms of the policy, the lienholder
is entitled to notification if their interest under the policy is terminated. If appropriate for the circumstances, the
lienholder can file a claim against this policy if it has suffered financial
harm. This has no bearing upon the
denial of coverage issued to you
MrPeterson, we recognize that this is a difficult
situation, and we are sympathetic to the inconvenience you are
experiencing. Unfortunately, we are
unable to comply with your request to pay half of the cost of repairs for your
vehicle."

Complaint: ***
I am rejecting this response because:
A refund check was issued months later under an incorrect policy numberA billing error was made by your companyThere were other payments made to this account through February The Attorney
General is also investigating that there would have also been a day Grace Period had your company properly applied the payment
Sincerely,
*** ***

A response was sent to *** *** on August 5, from Travelers Hartford Claim Service Center as follows:
"We
have reviewed our log notes and see that our response followed the
documentation we have on file
On
June 17, your reported a claim to us for wind damage to your roof with the
date of loss of October 29, This date of loss is days from the date
the notice was provided to us Your
policy cancelled with us on April 13, You state that your chimney contractor
discovered the damages and notified you on May 17, This discovery date
was after your policy cancelled with usDue to the late notice of claim to us
we are unable to validate a specific date of loss for your claimProducing a
wind report from October 29, does not specifically indicate this is the
date your loss occurredThere have been other wind events after the date of
cancellation of your policy and prior to your chimney masons discovery date of
May 17, which could have caused the damages
Due
to the late notice of the claimed date of loss of October 29, we have been
prejudiced in our ability to complete accurate research to the specific date of
lossAs the date of loss cannot be specifically identified your claim has been
declined under the conditions of your contract that was active with us until
April 13, 2013."

From: *** *** ***] Sent: Tuesday, August 02, 2:PMTo: Revdex.com ***Subject: Re: You have a New Message from Revdex.com Serving Connecticut Regarding Complaint *** Hello This is the first email I received from the Revdex.com - yes I got a response from Travelers, although it did not contain copies as claimed. I also feel it should have travelers responsibility to run my husbands information before adding him to the insurance if they have certain violations that result in not insuring people It sounds like they are not giving me all of the information, and now we have to pay for their mistake. -Tara Abbey

A response was sent 4/2/to Mr*** as follows:
"This is in response to your request to the RevDex.com regarding the delay of your final audit for the policy period of
12/05/to 12/05/
""> While the audit
information was received 12/29/14, unfortunately we did not determine that
additional information was needed until 2/24/
At that time, the Audit Analyst made contact regarding a
discrepancy in the amount of wages reported compared to the amount of wages
reported on the verification documentsOur file indicates the information was
provided by you on 3/20/and the audit was promptly completed that same day
A refund for the unearned premium in the amount of $was
released and mailed to you on 3/25/
Please do not hesitate to contact me should you have any
additional questions."

A response was sent to *** ***, July 23, 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 regarding the promotional gas card you
received in the mail
Please accept my apologies for your recent experience
with TravelersWe pride ourselves on delivering the best customer experience
and regret failing you in this regardThank you for your interest in Travelers
and we appreciate you contacting us to begin your quoteUnfortunately, at this
time we are unable to activate the promotion card as a quote must be completed
with TravelersYour quoting file indicates we were in the process of
completing a quote for you but we are waiting for additional information or
documentation regarding recently departed household membersIf you would like
to complete your quote one of our licensed sales agents would be more than
happy assist."
Contact information was also provided to *** *** in the response letter

A response was sent to *** ***, August 1, from Travelers Spokane Washington Business Center as follows:
"Thank you for your recent inquiry to Travelers
through the Revdex.com. We
appreciate the opportunity to address your inquiry
First,
please accept my apologies
for your recent experience with TravelersWe pride
ourselves on delivering the best customer experience and regret not meeting
those expectations
In
your correspondence, you mentioned our decision to add *** *** as a
household member and our decision not to remove him from your policy based upon
the documentation we receivedBased upon statements that were made to our
claims department regarding his use of your vehicles and his acknowledgment of
residency at your home; *** *** was added to your insurance policy
Regarding the information needed to remove *** *** from your policy; I
apologize for any inconsistency you received in our requests for documentation
Regrettably, the documentation we have received does not sufficiently support another
residence for *** ***
We would be happy to review our decision again if you have
additional documentation to submitYou
may submit either a property lease agreement which was already in place, signed
and notarized prior to the time of the loss or a utility bill for the months
leading, including and following the date of loss in the name of *** ***
Additionally, we would like to see verification *** has either a non-owned
auto policy or a personal automobile insurance policy
While
I understand and empathize with your disappointment with our current procedures,
I cannot alter your policy at this timePlease feel free to contact me by mail
or telephone using the information above, or via e-mail."

*** *** *** ***
*** *** *** *** *** *** **
*** *** *** *** ***
*** *** *** *** *
*** *** *** *** *** *** *** *** *** I'm still waiting for Traveler's to respond to the Revdex.com Thank you

A response was sent 3/4/from Travelers:
As has been previously communicated to you,
after researching this claim,
Travelers Commercial Insurance Company determined
that your policy does not cover the rot, mold or water damage, to the master
bathroom which was caused by an ongoing leak from the shower system
This
denial of coverage was previously communicated to you at the time of
inspection, via subsequent telephone calls as well as by certified letter dated
February 22, We have attached this letter for your reference as it does
provide additional detail and applicable policy language
This
decision is based on the information and documentation we received during our
research of this claimIf you are aware of any new or different information or
documentation that might lead us to reconsider our decision, please contact us
immediately

Travelers had competitive rates, but terrible adjusters When someone hit my car Travelers said fault was 50/and it wasn't their problem I immediately called up the insurance provider of the person who hit me to give them my side of the story and they ended up paying for my claim I pretty much did Traveler's job for themEventually I purchased a home and got homeowners insurance with them too Our roof was totaled and took over months to be paid The adjuster kept apologizing indicating that all the adjusters had way too many claims to handle them in a timely manner After the claim they raised my premium by 30%!
I contacted my local insurance agent and they mentioned that Travelers is one of the worst companies they deal with

A response was sent 1/22/2015:
"In your letter you referenced that *** *** informed Travelers of the replacement of coverageUpon a thorough
review of our records, we do not have any documentation on fileWe would like
to resolve this for you and are awaiting your proof of replacement coverage in
order to process the cancellation effective the date your replacement coverage
with *** *** startedPlease email the proof directly to (contact email and phone number were provided in the letter)."

Complaint: ***
I am rejecting this response because:
After being notified on July 14, that *** *** (who is part of the reason I had to contact the Revdex.com in the first place) was not to contact me in any way (phone, email, in person, etc.) Traveler's has apparently instructed her to contact me in regards to the diminished value claimThat is completely unprofessional and not acceptableI have already emailed Cory Blankenship to inform him of the issue and I am awaiting his response
Sincerely,
*** ***

A response was sent to Ms***, 10/2/A review of our policy records shows it will effective October 3, due to no Welcome Team interview. Travelers attempted to reach Ms*** by telephone on August 25, 2015, without success, therefore a letter was mailed to her in
order to complete the brief telephone interview to confirm policy information and avoid cancellation. Because Travelers did not receive a return call, a notice of cancellation was sent out by certified mail. Ms***s' preference to use her P O Box address wsa not communicated to Travelers according to our recordsThe signed quote acceptance documents Travelers received from Ms*** shows the *** *** ** address. To avoid cancellation, Ms*** has been instructed to contact Travelers to complete that interview process

A response was sent to Ms*** on October 29, from Travelers
The response recapped the dates of inspections and reinspections of the roof for hail damage. The outcome is there is not significant hail damage to replace the roof, and that repair estimates are below the
$1,deductible. The roof did suffer some minimal hail damage that can be repaired iwthout devaluing her home. Travelers decision is based on the extent of the damage that was done by a covered cause of loss, and not the age of the roof or on fact that neighbors may be getting their roofs replaced