All Season Decks & Remodeling Co

Dear ***,We have reached out to ServiceMaster Restore of Seattle (the mitigation company hired by your HOA)Service Master Restore is both the mitigation company and the contractor in your unitServiceMaster informed us that the cabinets did have some water damage to the side touching the wall
They failed to inform us of this and elected to reinstall the cabinetsWe will have National Restorations review the extent of the damage and determine what repairs need to be doneWe advised you of this decision on 8/The couch did not sustain water damageIt’s our understanding that you believe that the damage to the couch was caused by the mitigation efforts of heat and fansThis type of damage is not covered under your insurance policyWe will send you a letter detailing this decisionThank you

Dear Mr***, Thank you for bringing this matter to our attentionMisty in our Claims Department has contacted you to let you know that your $deductible refund will be issued todayWe are sorry for the delay and will continue to keep you updated on the subrogation resolution

Thank you for your feedbackOur AVP of Claims spoke to you by phone on Tuesday, June and we're happy that we were able to clear up any misunderstandings

Thank you for the feedbackWe have reviewed your fileOn 2/2/you called us to inquire about your single family residence policyDuring the course of that conversation, you indicated that there are multiple families living in your tenant occupied propertyYou were informed at that time that
this does not meet our eligibility requirements and that we would turn this over to underwriting to determine if the policy would be cancelled now or at renewalYou were informed that a notice would be sent to you indicating our decisionOn 4/4/we sent the cancellation notice to your primary addressThis cancellation was effective 5/21/On 5/31/we sent a refund check to your primary addressTo answer your question about insurance company decision making, insurance companies are a regulated industry. They are required to comply with specific state regulations regarding our conduct and actions, including how and when to notify policyholders of cancellationsFor the state of Washington these requirements include written notice by mail at least forty-five days before the effective date of cancellation, the cancellation notice must include the reason for cancelation, and the insurer must provide Proof of Mailing on the cancellation noticeWe have complied with all of these requirements If you have any additional questions, please contact us at ###-###-####

Thank you for your feedbackWe have reviewed your file to determine what happenedOn September 29, Mr*** reported a claim for an air conditioner leak and interior water damage at his covered propertyOur records indicate that on September 29, our Field Adjuster called a left a voice
message with Mr*** asking him to call and set up an inspection dateThe Field Adjuster made subsequent calls on October 2, and October 4, and Mr*** did not answerThe message on his phone stated his voice mail was full and no message could be leftOn October 9, we received an email from a Public Adjusting firm (APLC, LLC) with an attached letter of representationThis letter authorizes and requested us to include the name of APLC, LLC on all drafts or checks pertaining to the loss, in addition to the name of the insuredWe scheduled an inspection for October 13, with the Public Adjuster retained by Mr***On October 12, we received an email from the Public Adjuster stating that Mr*** was ill and would not be available for the scheduled inspectionThe inspection was rescheduled for October and Mr*** was presentOn October 27, after reviewing the documentation of damaged property provided by Mr***'s Public Adjuster, we issued check #for $6,made payable to both Mr*** and APLC, LLCOn November 7, Mr*** called us to inform us that he had fired APLC, LLCAt that time, we informed Mr*** that payment had already been made and that we would try to stop paymentOn November 8, we received an email from APLC, LLC that they were no longer representing Mr*** and attached a contract rescissionOn November 15, we called Mr*** to inform him that we had not been able to put a stop payment on the check because it had been cashed on November 3, and cleared our bank on November 6, prior to his phone call to us on November 7, We also informed Mr*** that his signature along with the signature of APLC, LLC was on the back of the checkOn November 16, we received an email from Mr*** that was unclear, but indicated that he disagreed with the settlement amount and that he had additional estimatesOn November 17, we sent a letter to Mr*** requesting that he provide these additional estimates so that we could review themTo date, we have not received these additional estimatesWe maintain that we issued the check jointly to Mr*** and APLC, LLC in good faith and in accordance with the policy and all applicable New Jersey statutes and regulations and per the contract that Mr*** signed with the Public Adjusting firmThe dispute that Mr*** has regarding the settlement funds is between him and the Public Adjusting Firm APLC, LLC

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Thank you for your feedbackOur standard process is to have all water mitigation invoices audited by a third party and ask the contractor providing the services to send in their moisture readings and equipment specifications to determine if the appropriate drying methods were used and if the
invoiced amounts alignedIn this case, our third party auditors determined that the water mitigation company had overcharged you by $4,We then asked the contractor to provide further documentation to support their charges/invoicesIn this case, the contractor refused to do so and threatened to issue a lien against you Although we stand by our decision that the water mitigation company overcharged you by $4,500, we have issued payment in the amount of $4,If you have any additional question, please contact your claim repThank you

Thank you for your feedbackWe have issued payment in the amount of $1,for the damage to the structure and $2,for the damage to personal property on August 24, We understand that you feel that this is not enough to cover the damage to the structureWe have requested our Field
Adjuster to meet with you and your contractor to discussThe re-inspection is scheduled for 10/5/

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: The response is not correct as I want to clarify your representative did not disclose the amount of $as a return in the email it was simply stated your refund had been processed it was not until after the check was received that the issue arose, however I did receive an email advising the check for the remaining balance was mailed so the issue has been resolved and I will continue to use a different company for my insurance needs
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Thank you for your feedback. We have reviewed your policy to determine what happened. Your first reported your claim on 3/22/18 and talked to our inside claim representative on 3/23/18. At that time, she communicated that an outside claim rep would inspect the property on 3/26/18. If Stillwater...

does not have a claim representative employee around the area of the claim, we work with contracted claims adjusters. In your case, the claims adjuster was an employee of Stillwater. Our claim rep determined that surface water is seeping through the foundation into your home and causing damage and we needed to determine what was causing that. You hired Independent Plumbing and Drain who determined that this was not a plumbing failure and that the water is getting through the foundation after heavy rains. In addition, we hired American Leak Detections who determined that the drains on your neighbor’s property were installed improperly and that was the cause of the water leakage into your foundation. We received the report from American Leak Detection on 3/29 and called you that same day. Your homeowner’s policy does not cover damage due to surface water. (See Section 1 – Exclusions A.) We can’t comment on the conversation between yourself and your agent Wai [redacted] as we were not present, and Mr. [redacted] is an independent insurance agent who does not work for Stillwater.  The reason why your neighbor’s insurance is involved is because the improperly installed drains are on your neighbor’s property. Your expenses may be covered under your neighbor’s insurance policy since the water is originating from a French drain that your neighbor installed. We recommend talking to that insurance company. Please let us know if there is anything else that we can do for you. Thank you.

Thank you for your feedback. Per our phone conversation with you today, we have reviewed your claim and have agreed to reinspect your property. We have retained an engineering firm to inspect the source of the leak and duration. We agree that our communication process was not acceptable,...

and we promise to keep you advised on the next steps going forward.

The person to contact for follow-up information is Claims Manager [redacted]. Thank you.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: this is a complete scam. They are lying about our credit rating. We both have credit ratings in the 800s. There was no reason for this insurance company to double our premiums.  We traded a 2003 car in for 2014 car this year. That was the other excuse they gave for doubling the premiums. We feel that this  insurance company started  giving us trouble after we made a claim for vandalism  of one of our cars. They only paid out $400. We ended up paying over $2700 for damages. Ever since the  incident, however, fwe started having problems with them. There was no reason to double our premiums. Once we realized what they had done, we immediately canceled.  But, had just paid a six-month premium of over $1200 before canceling. We expected most of that premium to be returned.  We feel that they are scammers. If they have done this to us, they have done it to other families. This is why we reported the incident to the Revdex.com. The public needs to be made aware. We do intend to seek legal advice and sue them. 
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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. 
Regards,
[redacted]

Dear Mr. [redacted], Thank you for your feedback. We have reviewed your policy to determine what happened. You first purchased an auto policy from Stillwater through your agent 1st Choice Insurance with an effective date of 9/13/15 – 9/13/16 for three vehicles at a premium of $2108. In September 2016...

you renewed this policy for 9/13/16 – 9/13/17 for $2054. On 8/9/17 we sent you a renewal offer communicating that effective this renewal, the policy term for your Private Passenger Automobile Policy had been revised from a 12-month term to a 6-month term and that your new effective date would be 9/13/17 – 3/13/18. This was on Page 2 of your renewal offer. We also communicated again in a second renewal offer on 9/5/17 and on the renewal itself sent on 9/13/17. The renewal offer was for $2390 for six months. The change in your premium was due to a number of factors including two rate revisions that had been implemented the previous year, a change in your credit score, and a change in the vehicles being covered (removing the 2003 Mercedes and adding a newer 2014 Mercedes). These are the factors that caused the premium to increase. You chose to pay your premium in two installments and submitted payment of $1212.50 on 9/13/17. On 11/13/17 we received your request to cancel this policy mid-term. As indicated in your policy contract on Page 4 under Other Termination Provisions: If the policy is cancelled mid-term at the request of the insured, the return premium shall be computed on a short rate basis. This is standard practice in auto insurance. In your case, because you voluntarily cancelled your policy mid-term, a 10% penalty on unearned premium of $156.08 was assessed. Here is how your refund was processed: Active 9/13/17- 11/13/17 total days of coverage 61 Total premium $2355.00= $13.02 a day (181 days in term) Total earned premium = $794.22 (61x$13.02) Unearned premium = $1560.78 Mid-term cancellation penalty = $156.08 ($1560.78x10%) $1212.50 paid -$35.00 policy fee -$794.22 earned premium -$156.08 mid-term voluntary cancellation penalty -$6.00 billing fee $221.20 refund check sent   Please let us know if there is anything else we can answer for you. Thank you.

Thank you for your feedback. We have been trying to reach you to discuss your concerns. We left a message on your voice mail on Thursday, December 7th, Friday, December 8th and Monday, December 11th. Please call Claims Supervisor [redacted] at ###-###-#### at your earliest convenience. Thank you.

Dear [redacted],Thank you for the feedback. We also received an email from [redacted] on August 2, 2016 that outlined the same concerns that you have expressed here. On August 2, 2016 we responded directly to [redacted] via email and informed him that your contractor has advised us that the...

two outstanding issues are almost completed. Part of the delay with your claim was the recently reported issue with your HVAC. Although there is no indication that this was caused by the tornado, we have agreed to replace it. Another cause for the delay was that you failed to meet with the inspector at the scheduled time. To date, we have paid for three hotel rooms for you and your family since December 28, 2015. We take feedback like this very seriously and our first step is to review the claims file. Our call logs indicate that we have spoken or emailed you 32 times since 12/28 concerning your claim. We are working together with your contractor to get you back into your home before your Additional Living Expense coverage is exhausted. If you have additional questions or concerns, please reach out to your claim rep. Thank you.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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 want to thank [redacted] for all his help as he was truly amazing at helping me get this closed out.
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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. 
Regards,
[redacted]