Aegis Security Insurance Company Reviews (10)
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Aegis Security Insurance Company Rating
Description: Insurance Services
Address: 2407 Park Dr, Harrisburg, Pennsylvania, United States, 17110-9303
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www.aegisfirst.com
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August 10, 2016Dear [redacted] :This is in response to the complaint you received from the above captionedI apologize for the delay in responding; however, was unable to locate a policy issued in the name of [redacted] After extensive research found a policy had been issued in the name of [redacted] The address on the complaint matches the address on the policy, in addition to the same last name.An application was submitted to obtain insurance for their manufactured homeOne of the factors included in developing our rates is the use of an insurance score which is obtained from a credit reportTheir agent, C M K***, verified they did ask the insured for permission to obtain the reportsOut System does not allow the agent to continue until they check mark the statement verifying they informed the applicant that third party reports, including a credit report would be obtainedIf the insurance score results in a surcharge we are required by law to notify the insured of the factors that negatively affected their premiumThis does not result in a "hit" on their credit report.Please call me if you have any questions or need additional information,Sincerely,Deborah *G.Vice President /Underwriting
April 9, 2015Dear *** ***:This is in response to your letter dated April 6, 2015.The insured's renewal premium bill was sent on February 18, and was due on or before March 26, Payment was not received and a lapse notice was mailed to *** ***The insured called our office on April
3, to make a late payment and we declined rewriting coverageWe verified her mailing address which did not change and we never received return mail.Please call me if you have any questions.Sincerely,Deborah G Vice President / Underwriting Aegis Security
October 21, 2015Dear *** ***:
This is in response to your e-mail on October 19, We mailed the insured's renewal premium bill on August 31, with a due date of October 5, Payment was not received and a lapse notice was mailed to and received by the
insuredThe insured then made a credit card payment in the amount of $for the first installment and a declaration page with a new policy number was issued and mailed to the insuredBecause the United States Postal Service did not return the bill to us, we verified with the insured that the mailing address the bill was sent to is correctShe did receive her lapse noticeHer second installment bill in the amount of $was mailed October 20, and will be due on November 26, 2015.Please contact me if you need additional information or if you have any questionsSincerely,Deborah GVice President / Underwriting
Been payiny since 2007. Last year I made a claim after a hail storm and next rain showed leaks and it took an extra 2 weeks before their person came and looked at my roof. He said normal wear and tear but he suggested I wait till next good hail storm to file the claim (fishy talk). I repaired what he suggested and it was another year before the hail came and more leaks appeared. I asked the company to send someone different and explained yet they sent the same guy. This time he appeared to have an attitude and then filed it as normal wear and tear even with obvious bebee sized holes, dent on only metal flashing, and less damage to roof where tree coverage protected it. Paperwork came back dening any home roof protectio but covered 30 percent on another roof building that is way older. How do they cover 30% of a roof that is probably 30 years old and not on the home from 2002? And how dare their guy tell me to wait till next hail storm in the first place. I'm a Disabled Veteran of the U.S. Army and this company appears to be lacking intergrity. My wife filed again after another hail storm now where golf ball sized hail struck our roof. They sent a different guy who seemed to agree about hail and they sent him back to take more photos and now its been another 2 weeks. Summer is coming to an end and still no solution. I would think with the money we payed in for the insurance already would be more than twice what the actual cost to replace the shingles are. And before the hail that started the leaks we had never put in for a claim.
August 10, 2016Dear [redacted]:This is in response to the complaint you received from the above captioned. I apologize for the delay in responding; however, was unable to locate a policy issued in the name of [redacted]. After extensive research found a policy had been issued in the name of...
[redacted]. The address on the complaint matches the address on the policy, in addition to the same last name.An application was submitted to obtain insurance for their manufactured home. One of the factors included in developing our rates is the use of an insurance score which is obtained from a credit report. Their agent, C M K[redacted], verified they did ask the insured for permission to obtain the reports. Out System does not allow the agent to continue until they check mark the statement verifying they informed the applicant that third party reports, including a credit report would be obtained. If the insurance score results in a surcharge we are required by law to notify the insured of the factors that negatively affected their premium. This does not result in a "hit" on their credit report.Please call me if you have any questions or need additional information,Sincerely,Deborah *. G.Vice President /Underwriting
October 21, 2015Dear [redacted]:This is in response to your e-mail on October 19, 2015.We mailed the insured's renewal premium bill on August 31, 2015 with a due date of October 5, 2015. Payment was not received and a lapse notice was mailed to and received by the insured. The insured then made a...
credit card payment in the amount of $138.19 for the first installment and a declaration page with a new policy number was issued and mailed to the insured. Because the United States Postal Service did not return the bill to us, we verified with the insured that the mailing address the bill was sent to is correct. She did receive her lapse notice. Her second installment bill in the amount of $66.09 was mailed October 20, 2015 and will be due on November 26, 2015.Please contact me if you need additional information or if you have any questions.Sincerely,Deborah G.Vice President / Underwriting
April 9, 2015Dear [redacted]:This is in response to your letter dated April 6, 2015.The insured's renewal premium bill was sent on February 18, 2015 and was due on or before March 26, 2015. Payment was not received and a lapse notice was mailed to [redacted]. The insured called...
our office on April 3, 2015 to make a late payment and we declined rewriting coverage. We verified her mailing address which did not change and we never received return mail.Please call me if you have any questions.
Sincerely,
Deborah G
Vice President / Underwriting Aegis Security
Review: The electric awning on my RV broke while I was at a camp site caused by rain. I couldn't get it to retract into the RV so I called [redacted]'s RV service to come out to remove it so I could drive the RV home. They came and removed it and
I paid [redacted]'s RV service 143.60 dollars to remove the awning. I called Aegis insurance company to report the problem and had [redacted]'s RV service fax Aegis Insurance the estimate for the new awning and labor involved (removal of old and installing new) which was 1523.61. Aegis subtracted the 500 dollar deductible from this amount, but Aegis didn't subtract the 143.60, that I already paid for the awning removal, from the 500.00 deductible. Aegis gave me a check for 1023.61. When I called back to explain this to him,([redacted], the agent who handled the claim), he said he worked it into the bill. It didn't make sense. I told him that he ripped me off.
Business
Response:
September 10, 2013
Dear [redacted]:
On August 9th, [redacted] & [redacted] submitted a claim for the awning on their seasonal RV and it was assigned to [redacted] in our office on August 12th.
**. [redacted] left a message for the insureds on August 12th asking them to submit an estimate for the damaged awning from a repair facility. Later that same day, [redacted] from [redacted] RV Service called [redacted] and informed him that he would be faxing over the estimate for the awning in the next few days.
[redacted] received the estimate on August 15th and it was processed on August 16th. I have attached a copy of that estimate for your review.
The estimate listed the material costs for the awning at $1,363.99 and a labor rate of $80.00 per hour for a total of 1.5 hours to replace the awning for a total of $120.00. It also listed a charge of $143.60 that the insured already paid to have the awning removed.
[redacted] added the material cost of $1,363.99 and the labor rate of $120 as well as the tax of $97.61 and got a total of $1581.60 which was $143 less than the total of the estimate submitted by [redacted]'s RV service and which is also the amount of the removal cost.
[redacted] re-wrote the estimate from [redacted] RV Service to apply depreciation in accordance with the policy that the insured purchased. I have also included a copy of that for your review.
On the estimate from [redacted], you will see the first line item is the materials for $1,363.99 less depreciation of $204.59 leaving an actual cash value of $1,159.40.
The second line item is made up of the labor to replace the awning of $120, shop supplies of $3.00 and the removal cost of $143.60 for a total of $266.60. Finally the last item on the estimate is the tax of $97.61.
Based on these figures the replacement cost estimate by [redacted] actually totals $1,728.20 as compared to the estimate by [redacted] RV which only totals $1,724.60 at replacement cost.
Our estimate was actually $3.60 more than the estimate provided by the repair facility.
Should you need any further information on this file please feel free to contact my office.
Sincerely
Review: We have Insurance[ Home owners] for 13 years, we have never filed a claim, until now. The roof is leaking,we have had hail,wind,rain,over the last 13 years. Now we need repairs. We have 2 est.costing 5700.00 and 5100.00. When we filed 2 claims.We have been turned down,stating we have no sings of damage to our roof.The 2 roofers states we have hail damage.But the Insurace co.said we don't have damage. But our roof is still leaking. Our police does cover hail damage.But when we filed the claim,2 letters was sent stating there is no damage. We are so upset to know we been paying insurance for 13 years and when you need it,they don't want to pay!!!!!! This is a rip off. We demand satisfaction. Can you please help us?Desired Settlement: We need money to have the roof replaced. 5700.00
Business
Response:
October 11, 2013
Dear [redacted]:
We acknowledge the complaint file by **. [redacted] on 10/6/13 for claim 789265. The claim was submitted to our office on 8/2/13. It was then assigned to the local independent adjuster on that same day.
The adjuster inspected the home on 8/5/13 with the insured present. The inspection found no signs of any wind or hail damage to the roof of the home. The roof is approximately 13 years old and showing signs of deterioration from its age. This has caused the roof to leak into several rooms however this policy does not provide coverage for the interior damage unless there is wind/hail damage to the roof itself.
A denial letter was issued to the insured on 8/7/13 explaining we found no wind or hail damage to the roof and the interior damages were not covered.
On 9/10/13 our office received an estimate from [redacted]'s Roofing and spoke with the contractor [redacted] who stated there was definitely hail damage to the roof of this home. We agreed to have the adjuster meet with the contractor to point out the hail damage.
The adjuster met with the contractor on 9/17/13 the marks shown to the adjuster were not hail marks but rather deterioration from aging. The adjuster however did photograph the marks and submitted them to our office for review.
[redacted] reviewed the re-inspection report from the adjuster on 9/19/13 and also agreed that the marks on the roof were not from hail but from aging.
A second denial letter was again issued to the insured on 9/19/13 explaining that our reinspection again found no signs of any wind or haii damage to the roof and we are standing by our denial.
I have attached copies of the adjuster's report and letters sent to the insured for you to review.
Should you need anything further please feel free to contact my office.
Sincerely,
I am having similar issues. Last year I made a claim after a hail storm and next rain showed leaks and it took an extra 2 weeks before their person came and looked at my roof. He said normal wear and tear but he suggested I wait till next good hail storm to file the claim (fishy talk). I repaired what he suggested and it was another year before the hail came and more leaks appeared. I asked the company to send someone different and explained yet they sent the same guy. This time he appeared to have an attitude and then filed it as normal wear and tear even with obvious bebee sized holes, dent on only metal flashing, and less damage to roof where tree coverage protected it. Paperwork came back dening any home roof protectio but covered 30 percent on another roof building that is way older. How do they cover 30% of a roof that is probably 30 years old and not on the home from 2002? And how dare their guy tell me to wait till next hail storm in the first place. I'm a Disabled Veteran of the US Army and this company appears to be lacking intergrity.