All Season Decks & Remodeling Co

Dear Ms. [redacted], Thank you for the feedback. We have reviewed your policy to determine what happened. On 6/7/17 your [redacted] agent purchased a Stillwater home policy for your Canton, Ohio home in the amount of $1440.00. It appears that this was an error made by your [redacted] agent. On 7/11/17 the policy...

was cancelled at the request of a [redacted] supervisor. On 8/1/17 we received a check payment for your policy from Wells Fargo for $1440.00. As this policy had already been cancelled, we sent a refund check (check #[redacted]) in the amount of $1,440.00 directly to you on 8/22/17. Please let me know if there is anything else that we can do for you. Thank you.

Dear [redacted], Thank you for bringing this to our attention. We sincerely apologize for the delay in responding to your claim. You should have been contacted on 8/25 and we are reviewing our internal process to determine what happened and to correct the process. On Wednesday, 8/31 our AVP of claims...

called to apologize in person. Also on Wednesday, 8/31 we called to update you on next steps and to provide the adjuster's contact information. We are sorry for the delay. If you need anything else from us at this time, please let your claim adjuster know.

[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. Not really, but obviously no one is going to care about the little guy and all that crap, so I really can't care about this anymore. 
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. Since the claim is still open, I reserve the right to file a further complaint if once again I receive inadequate service from both Stillwater's claims person and Stillwater's complaint supervisor whose name was forwarded to me via Revdex.com. And my sincere thanks to Revdex.com for assisting me in this matter.
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reasonResolved]
 Complaint: [redacted]
I am rejecting this response because: it it does not satisfy the fact that I never received the notice that was sent via the United States Postal mail services. Unimportant matters such as a cancellation of a homeowner's insurance should be sent via registered mail or certified mail or something that shows the company that the client has received the mail. I received a refund check but not until a few days ago. Stillwater is the worst company that I've ever had to deal with. Very unprofessional   
Regards,
[redacted]

Dear Mr. [redacted],Thank you for bringing this to our attention. When we reviewed your file, we saw that your initial request for your LOE was received by us the afternoon of 1/24/16. We emailed your LOE to you the morning of 1/26/16. Our process is to respond within 24 hours and we apologize that this...

did not happen. We are putting safeguards in place to ensure that this does not happen again. If you need anything else, please let us know.  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. 
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're sorry that this process has been frustrating for you. When you cancelled your policy mid-term, you should have been informed by your agent that your policy fee of $14.36 was due. After reviewing your file, it's apparent that this did not...

happen. Therefore, we are in agreement with your desired settlement and have waived the $14.36 policy fee. Thank you for your business.

Thank you for the feedback. We have reviewed your complaint and asked Chris, our claims manager, to reach out to you directly to uncover what happened with your claim.
As a result of this investigation, we discovered that [redacted] should not have required a down payment from you for the mold...

remediation. This is covered by your home insurance policy with us. We are sending you a check for $3140 via FedEx. This check is to reimburse you for the payment you made directly to [redacted]. In addition, we sent [redacted] a check for $3262.46 to cover the water mitigation portion of your claim. We have reinforced our procedures with [redacted] to help ensure that this does not happen in the future.
We also reviewed and took corrective action to improve our customer service. We understand your frustration and thank you for bringing this matter to our attention.

Dear Ms. [redacted],Thank you for your feedback. We have reviewed your policy to determine what happened. On 2/17/17 you purchased an annual renter’s policy from Stillwater through your agent (National General Insurance Marketing) for $239.00. At the time of purchase, the new business fee of $30 along...

with a down payment of 15% of your premium ($31.35) is required to start your policy.  You paid this total ($61.35) on 2/17/17 and that was your first month’s payment. The remaining balance was $177.65 and you elected to pay this in monthly installments for the next 11 months. That meant that your monthly payment would be $16.15 + a $2.00 billing fee for $18.15/month. The monthly payments were made from March-September 2017. When we attempted to collect the October payment on 10/17, we were informed that your account was closed. Because we were unable to secure payment, your policy was cancelled.We do not accept cancellation requests verbally. Our process is that we need written documentation either via email or US Mail. Because we did not receive a written or email cancel request from you, the policy was cancelled based on our system calculations. In consideration of your situation, we are waving the $8.20 premium owed. 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. 
Regards,
[redacted]

We consider this complaint closed. [redacted] requested a refund in the amount of $18.56 and full refund has been made.

We stand by our original statement.  On 2/2/16 you were informed verbally that your policy would be cancelled after we became aware that your tenant occupied property included multiple families. Your policy with us was for a single family residence only. On 4/4/16 we mailed your cancellation notice as required by the department of insurance via the United States Post Office. We have the appropriate Proof of Mailing documentation to support this and will be happy to provide a copy. We have also issued you a refund check. Please contact us directly at ###-###-#### if you have additional questions. 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. 
Regards,
[redacted]

Thank you for your feedback. We have reviewed your file and have reached out to you directly to discuss the results of both of your claims. Payment on your first claim was sent on February 1st. Upon reviewing your second claim, we determined that our claim rep did not follow our standard procedures...

to ensure that the claim was completed and the check processed in a timely manner. The payment for the second claim was processed today and is being sent to you via Fed Ex.  We understand your frustration and apologize for the delay. Please let us know if you need anything else. Thank you.

Dear Mr. [redacted], Thank you for your feedback. Our claims supervisor [redacted] has spoken to you directly about your concerns for the claim filed for you father-in-law. We apologize for the delay in handling this claim and agree that this should have been handled more quickly and that we should have...

communicated more frequently. We received the estimate on 1/21/18 and we are processing it immediately. If you should have any additional questions or concerns, please contact [redacted] directly at the direct phone number that he provided during the call. Thank you for being a Stillwater customer.

Thank you for your feedback. We have reviewed your policy to determine what happened. On 2.24.17 you purchased a Stillwater condo policy through your [redacted] agent. On 4.29.17 we received notification from your [redacted] agent that your dog (a Boxer mix) had bitten the mailman and that a claim had been...

filed. To date, the lawsuit related to the claim is still pending and this claim remains open.On 12.21.17 we mailed you notification that your policy would not be renewed with Stillwater and that the effective date of nonrenewal is 2.24.18. We communicated that the policy is being non-renewed because of the 4.29.17 claim involving your dog causing injury to someone. We also communicated that you are covered under your Stillwater policy for the next 64 days and that you should work with your [redacted] agent in obtaining replacement insurance.All insurance companies, including ours, determine their rates based on a predictability of loss model. Today, dog bites account for more that 1/3 of all homeowner claims and the average cost paid out is $30K. Once a dog has bitten and or been aggressive for the first time, the likelihood that this will incur again increases. Unfortunately, our guidelines do not allow risks where there is a dog with a bite/aggressive history.Since you reside in Connecticut, you do have the option to exclude your dog from the insurance policy. That means that you can retain your condo insurance with us, but any future incidents involving your Boxer mix would not be covered under your insurance policy. If you would like to pursue this option, please call Virginia in our customer care department at ###-###-####. Thank you.

Thank you for your feedback. We have reviewed your policy to determine what happened. On 8/22/16 you purchased a Stillwater Insurance renters policy from us through GEICO for the address on Orchard Street. On 4/3/18 you reported a claim that occurred at the Town Brooke address and informed us...

that you had moved to the new address on 6/23/17. We were not aware that you had changed your address and assumed that the payments that you were making were to insure the property at the Orchard Street address. We understand that this was an honest mistake and we are making an exception in this case to honor your claim. In the future, it’s important to inform your home insurance company when you have an address change.  Our claims examiner tried to contact you yesterday and has sent an email advising of next steps. Thank you.