Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Based on the response from the insurance company, it seems that the auditor fabricated quite a few statements in the auditWhen [redacted] was at our office, she reviewed the payrollWhen she asked questions about the employees' job descriptions, we asked her to present the question via email so we can make sure to document thatThese questions never cameAnd looking deeper into the response from the insurance company, it seems that these job descriptions are a copy/paste from years pastThey made assumptions from years old info in that the employees are doing the same thing as beforeThere was a reason this was disputed this year and that is the fact that due to growth/advancement, the jobs are different Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
Attached please find the letter and policy form for Mr*** A refund is being processed5/24/2017Mr [redacted] [redacted] ***Re: B&B ID [redacted] Policy [redacted] Dear Mr***,I apologize for any miscommunication on cancelling your policy On page and under section “RCANCELLATION” on the policy form #U-ARW-101-A-CW (06-12), the policy form states that the insured may cancel the policy at any time by either returning it to us or notifying us in writing We do not have a required form, we only need your signature and the request to cancel However, we will make an exception and use your B&B Complaint as documentation of a cancellation request We will process this cancellation effective 5/17/ Your refund will be mailed to you within business days Please feel free to contact me with any questions at 877-233-[redacted] ***Vice President, Residential Earthquake Arrowhead General Insurance Agency, IncB Street, Suite 2100San Diego, CA
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me
I have sent the attachment of how I send my payments to this corporationListed, are several names this company apparently uses as referenceI have tried to communicate with them but they seem to pass me on to a different department without any conclusionPlease helpThank you
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, ***n ***
Initial Business Response / [redacted] (1000, 8, 2016/01/14) */ Spoke to customer brieflyI apologized for the length of time it took to cancel their account as we were under the impression one of our vendors was taking care of thisI let her know they had a zero balance, their account was cancelled and they would no longer receive any invoices Initial Consumer Rebuttal / [redacted] (2000, 10, 2016/01/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)
I spoke with the customer yesterday on 2/6/to explain why he received a final bill from AFS regarding his alarm monitoringThe balance consisted of the remaining months left on the terms of his alarm monitoring contractI informed the customer I would submit a credit on his account therefore it would reflect a zero balance
Dear Ms [redacted] ,Thank you for the opportunity to review the consumer’s recent concerns.I have reviewed the request for assistance and policy; please consider the following:Our investigation shows that the consumer’s electronic application for property insurance was received on September 21, The requested effective date is shown as October 01, 2015.Pages and of the application reads in part:APPLICANT QUESTIONNAIREYES NOTrampoline on Premises [ ] [X]A Renewal Offer was generated on August 29, The Offer reads in part:Your HOMEOWNER Policy is issued to cover the insured and location indicated aboveYou are shown on our records as the premium payorIf payment is not received by 12:a.mon 10/01/you will have no coverage as of this date.The Offer required a minimum payment of $due by October 01, 2017.The policy lapsed for non-payment of premium effective October 01, 2017.A Lapse Notice was generated on October 06, The Notice reads in part:THIS IS TO INFORM YOU THAT YOUR HOMEOWNER POLICY HAS LAPSED AS OF 10/01/YOU ARE WITHOUT INSURANCE COVERAGEIF PAYMENT HAS BEEN SENT OR IF YOU HAVE REPLACED COVERAGE ELSEWHERE, NO FURTHER ACTION IS REQUIRED.On October 11, the consumer reported a Hail loss that occurred on March 26, Upon reviewing the loss, we noted that a trampoline was located on the propertyBecause our underwriting guidelines do not allow trampolines, a letter was generated on October 24, The letter reads in part:A recent review of the policy revealed a trampoline on the premises which is unacceptablePlease provide photos as proof of the trampoline removal and a signed statement confirming it will not be replaced on the premises by 11/22/2017.We had additional concerns because the loss was not reported in a timely manner so that it could be properly adjusted.In conclusion, our policyholder was sent a Renewal Offer on August 29, and a Lapse Notice on October 06, As no payment was received by the payment due date, and because of our concern noted above, AGIA declined to reinstate the lapsed policy.We hope this has addressed the concerns presented and are sorry that we are unable to accommodate this consumer’s insurance needs going forward.Sincerely, [redacted] R [redacted] Underwriting Analyst Personal Lines Arrowhead General Insurance Agency Campbell Pl Carlsbad, CA 92009Email: a***@arrowheadgrp.com [redacted]
***, Thank you for taking the time to communicate to us why our processing timeline did not meet your expectationsWe have every desire to address your needs and provide the best solution available to resolve your issue as soon as possibleWe have reissued a check to you to replace the initial check that we sent you in It should be placed in the mail tomorrowWe will be further evaluating how we can prevent this problem from occurring in the futurePlease accept our sincerest apology for any trouble or inconvenience we have caused youSincerely, [redacted] Assistant ControllerArrowhead General Insurance Agency, Inc.d [redacted] @arrowheadgrp.com
Hello,I called [redacted] since she sent in an inquiry and was confused why since she had cancelled was she still receiving a billI explained that she signed an agreement in and she was in her initial term of months so this is the balance owedShe said she didn't agree with it because the account was cancelledI let her know that it is up to her if she wants to cancel however the balance needs to be fulfilledShe got frustrated with me and eventually hung upI would be happy to forward her another copy of the agreementThank you,Cheryl A***Alarm Financing Services, Inc[redacted] ext [redacted] fax [redacted] Alarm Financing Services, Inc
Upon receipt of this inquiry it was discovered that contact had already been made with the insured During our conversation with the insured, the policy deductible was discussed as well as the need for a contractor estimate in order to review for potential supplemental damage Since that time we were provided with an estimate and the claim has been settled accordingly If the Revdex.com should have any questions or concerns, please reach out to the following individual: [redacted] Claims Manager [redacted]
August 07, [redacted] Revdex.com of San Diego Viewridge Ave Ste San Diego, CA RE: ID # [redacted] Dear Ms [redacted] , Thank you for the opportunity to review our policyholder’s recent concernsAs Arrowhead® General Insurance Agency, Inc(AGIA) is the general agent for Integon Preferred Insurance Company (Integon/NAIC [redacted] ) their input is included in this response This letter will review the underwriting issues of the complaintThere will be a separate letter from Integon Preferred Insurance Company to review the claims issues I have reviewed the request for assistance and policy; please consider the following: Our investigation shows that this policy was last renewed effective February 07, The annual renewal premium was $(excluding fees) The policy is not currently being charged for any accidents or moving violations The policy is not receiving the Good Driver Discount because of the September 28, moving violation (please note the policy has not received this discount since its inception date February 07, 2015) Please note the policy is set to lapse for non-payment of premium effective August 17, In conclusion, our policyholder’s premium has not been increased due to an accident, but in fact his premium has decreased from $(2016) to $(2017) a $ decrease As AGIA does not handle the Integon Preferred Insurance Company claims we have forwarded a copy of these concerns to Integon and asked them to submit a separate reply ArrowheadGrp.com ArrowheadGrp.com [redacted] **
In reply to your message of November 16, 2017; please consider the following:We are sorry our consumer does not feel he was notified of his pending renewal.Please note our consumer was also sent a courtesy Lapse Notice on October 06, to notify him that his homeowner’s policy had lapsed on October 01, 2017.The renewal notice was generated and sent to the consumer’s mailing address on August 29, The renewal notice required a payment by October 01, 2017.As no payment was received by the payment due date the policy lapsed for non-payment of premium effective October 01, 2017.Sincerely, [redacted] R [redacted] Underwriting Analyst Personal Lines Arrowhead General Insurance Agency Campbell Pl Carlsbad, CA
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Based on the response from the insurance company, it seems that the auditor fabricated quite a few statements in the auditWhen [redacted] was at our office, she reviewed the payrollWhen she asked questions about the employees' job descriptions, we asked her to present the question via email so we can make sure to document thatThese questions never cameAnd looking deeper into the response from the insurance company, it seems that these job descriptions are a copy/paste from years pastThey made assumptions from years old info in that the employees are doing the same thing as beforeThere was a reason this was disputed this year and that is the fact that due to growth/advancement, the jobs are different Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
Attached please find the letter and policy form for Mr*** A refund is being processed5/24/2017Mr [redacted] [redacted] ***Re: B&B ID [redacted] Policy [redacted] Dear Mr***,I apologize for any miscommunication on cancelling your policy On page and under section “RCANCELLATION” on the policy form #U-ARW-101-A-CW (06-12), the policy form states that the insured may cancel the policy at any time by either returning it to us or notifying us in writing We do not have a required form, we only need your signature and the request to cancel However, we will make an exception and use your B&B Complaint as documentation of a cancellation request We will process this cancellation effective 5/17/ Your refund will be mailed to you within business days Please feel free to contact me with any questions at 877-233-[redacted] ***Vice President, Residential Earthquake Arrowhead General Insurance Agency, IncB Street, Suite 2100San Diego, CA
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me
I have sent the attachment of how I send my payments to this corporationListed, are several names this company apparently uses as referenceI have tried to communicate with them but they seem to pass me on to a different department without any conclusionPlease helpThank you
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, ***n ***
Initial Business Response / [redacted] (1000, 8, 2016/01/14) */ Spoke to customer brieflyI apologized for the length of time it took to cancel their account as we were under the impression one of our vendors was taking care of thisI let her know they had a zero balance, their account was cancelled and they would no longer receive any invoices Initial Consumer Rebuttal / [redacted] (2000, 10, 2016/01/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)
I spoke with the customer yesterday on 2/6/to explain why he received a final bill from AFS regarding his alarm monitoringThe balance consisted of the remaining months left on the terms of his alarm monitoring contractI informed the customer I would submit a credit on his account therefore it would reflect a zero balance
Dear Ms [redacted] ,Thank you for the opportunity to review the consumer’s recent concerns.I have reviewed the request for assistance and policy; please consider the following:Our investigation shows that the consumer’s electronic application for property insurance was received on September 21, The requested effective date is shown as October 01, 2015.Pages and of the application reads in part:APPLICANT QUESTIONNAIREYES NOTrampoline on Premises [ ] [X]A Renewal Offer was generated on August 29, The Offer reads in part:Your HOMEOWNER Policy is issued to cover the insured and location indicated aboveYou are shown on our records as the premium payorIf payment is not received by 12:a.mon 10/01/you will have no coverage as of this date.The Offer required a minimum payment of $due by October 01, 2017.The policy lapsed for non-payment of premium effective October 01, 2017.A Lapse Notice was generated on October 06, The Notice reads in part:THIS IS TO INFORM YOU THAT YOUR HOMEOWNER POLICY HAS LAPSED AS OF 10/01/YOU ARE WITHOUT INSURANCE COVERAGEIF PAYMENT HAS BEEN SENT OR IF YOU HAVE REPLACED COVERAGE ELSEWHERE, NO FURTHER ACTION IS REQUIRED.On October 11, the consumer reported a Hail loss that occurred on March 26, Upon reviewing the loss, we noted that a trampoline was located on the propertyBecause our underwriting guidelines do not allow trampolines, a letter was generated on October 24, The letter reads in part:A recent review of the policy revealed a trampoline on the premises which is unacceptablePlease provide photos as proof of the trampoline removal and a signed statement confirming it will not be replaced on the premises by 11/22/2017.We had additional concerns because the loss was not reported in a timely manner so that it could be properly adjusted.In conclusion, our policyholder was sent a Renewal Offer on August 29, and a Lapse Notice on October 06, As no payment was received by the payment due date, and because of our concern noted above, AGIA declined to reinstate the lapsed policy.We hope this has addressed the concerns presented and are sorry that we are unable to accommodate this consumer’s insurance needs going forward.Sincerely, [redacted] R [redacted] Underwriting Analyst Personal Lines Arrowhead General Insurance Agency Campbell Pl Carlsbad, CA 92009Email: a***@arrowheadgrp.com [redacted]
***, Thank you for taking the time to communicate to us why our processing timeline did not meet your expectationsWe have every desire to address your needs and provide the best solution available to resolve your issue as soon as possibleWe have reissued a check to you to replace the initial check that we sent you in It should be placed in the mail tomorrowWe will be further evaluating how we can prevent this problem from occurring in the futurePlease accept our sincerest apology for any trouble or inconvenience we have caused youSincerely, [redacted] Assistant ControllerArrowhead General Insurance Agency, Inc.d [redacted] @arrowheadgrp.com
Hello,I called [redacted] since she sent in an inquiry and was confused why since she had cancelled was she still receiving a billI explained that she signed an agreement in and she was in her initial term of months so this is the balance owedShe said she didn't agree with it because the account was cancelledI let her know that it is up to her if she wants to cancel however the balance needs to be fulfilledShe got frustrated with me and eventually hung upI would be happy to forward her another copy of the agreementThank you,Cheryl A***Alarm Financing Services, Inc[redacted] ext [redacted] fax [redacted] Alarm Financing Services, Inc
Upon receipt of this inquiry it was discovered that contact had already been made with the insured During our conversation with the insured, the policy deductible was discussed as well as the need for a contractor estimate in order to review for potential supplemental damage Since that time we were provided with an estimate and the claim has been settled accordingly If the Revdex.com should have any questions or concerns, please reach out to the following individual: [redacted] Claims Manager [redacted]
August 07, [redacted] Revdex.com of San Diego Viewridge Ave Ste San Diego, CA RE: ID # [redacted] Dear Ms [redacted] , Thank you for the opportunity to review our policyholder’s recent concernsAs Arrowhead® General Insurance Agency, Inc(AGIA) is the general agent for Integon Preferred Insurance Company (Integon/NAIC [redacted] ) their input is included in this response This letter will review the underwriting issues of the complaintThere will be a separate letter from Integon Preferred Insurance Company to review the claims issues I have reviewed the request for assistance and policy; please consider the following: Our investigation shows that this policy was last renewed effective February 07, The annual renewal premium was $(excluding fees) The policy is not currently being charged for any accidents or moving violations The policy is not receiving the Good Driver Discount because of the September 28, moving violation (please note the policy has not received this discount since its inception date February 07, 2015) Please note the policy is set to lapse for non-payment of premium effective August 17, In conclusion, our policyholder’s premium has not been increased due to an accident, but in fact his premium has decreased from $(2016) to $(2017) a $ decrease As AGIA does not handle the Integon Preferred Insurance Company claims we have forwarded a copy of these concerns to Integon and asked them to submit a separate reply ArrowheadGrp.com ArrowheadGrp.com [redacted] **
In reply to your message of November 16, 2017; please consider the following:We are sorry our consumer does not feel he was notified of his pending renewal.Please note our consumer was also sent a courtesy Lapse Notice on October 06, to notify him that his homeowner’s policy had lapsed on October 01, 2017.The renewal notice was generated and sent to the consumer’s mailing address on August 29, The renewal notice required a payment by October 01, 2017.As no payment was received by the payment due date the policy lapsed for non-payment of premium effective October 01, 2017.Sincerely, [redacted] R [redacted] Underwriting Analyst Personal Lines Arrowhead General Insurance Agency Campbell Pl Carlsbad, CA