Dear Revdex.com: American Claims Management, Incis the third-party administrator for Everest National Insurance Company regarding the above-mentioned claim. We are in receipt of your letter dated 11/2/16. We spoke with Ms*** on 8/29/16, 8/30/16, 9/14/16, 9/19/and 10/4/
before receiving a retainer letter from her attorneyWe informed her that her recorded statement was required to determine coverage When she finally provided her recorded statement on 9/19/we discovered coverage issues based on her statementThe claim was assigned to our coverage attorney who was needed to provide a coverage opinionWe received the coverage opinion on 10/31/and a denial of coverage letter was sent out to Ms*** in today’s mail If you have any questions, please contact the undersigned at *** ***. Sincerely,
*** ***Claims Adjuster
Revdex.com of San Diego, Orange, and Imperial Counties Re: Insurance Entity: Everest National Insurance Company State of Issue: Michigan Contract type: Individual ID Number: *** Our Claim No.: *** Dear Bureau: Please accept this as Everest National Insurance Company’s response to the recent
complaint to the Revdex.comAfter a complete review of this matter, this matter has resolved timelyA complete investigation into any claim is needed, prior to making any paymentsWe received notice of the claim on the date of loss which was 09/08/Upon receipt, we completed a coverage review as well as a liability investigation, which included ordering the police reportVehicle inspections were also arrangedThe vehicle was determined to be a total lossUpon the original offer, the complainant requested another review of the value of the vehicle for additional items, which was completed, and settlement figures were renegotiated and the claim ultimately resolvedPayment was mailed earlier last weekShould you have any questions, please do not hesitate to contact our offices
Dear Ms***: I am writing in response to your letter sent to American Claims Management regarding the above captioned complaintAmerican Claims Management is the claims administrator for the Extra Space Storage Customer Protection Plan program claims Please find attached a copy of
the master policy. Complainant leased Extra Space storage unit *** ** *** ** *** *** *** ** ***A report of mold was made on 8/6/There was a policy in place at the time of the loss with a limit of $2,Mold is not a covered cause of loss unless it is caused by water intrusion which is not excluded under the policyInitial evidence received indicated no water intrusion in the unitThe tenant was notified and a declination letter was sent on 8/9/We have recently received additional information from the site indicating the possibility of water intrusionAs such, we are reaching out to the tenant and advising acceptance of the claimShe will be sent a Personal Property Inventory Form to note her damaged items which will be valued at the lesser of actual cash value, reasonable restoration or the cost to replace of like, kind and quality, up to the limit of insuranceI direct you to the Certificate of Storage Insurance policy which states in part: PERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.Fire or Lightning j) Falling objects, provided the exterior of the building containing theWindstorm or Hail property is first damaged by such falling objectsExplosion or Sonic Boom k) Weight of Ice, Snow or SleetStrikes, Riot or Civil Commotion l) Collapse of Buildings containing the property insured, other than by Aircraft, Self-propelled Missiles or Spacecraft earthquakeVehicles m) Water Damage except as excluded under Paragraphs (b) and (c)Smoke “Exclusions”Landslide, including sink hole collapse n) Flood, surface water, waves, tides, tidal waves, overflow of any body of Vandalism or Malicious Mischief water, or their spray, all whether driven by wind or not EXCLUSIONS: We do not insure:b) Against loss or damage caused by or resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin, mold, mildew, wet or dry rot, atmospheric condition and /or changes in temperature, delay, loss of use or loss of market.VALUATION: The value of the property will be determined at the time of loss and will be the least of the following amounts:The actual cash value of that property;The cost of reasonably restoring that property to the condition immediately before loss; orThe cost of replacing that property of like kind and quality. Please advise if you require any additional information regarding this claim or the coverage provided by *** *** * *** *** ** *** ***
This document, and any attachments, may contain non-public personal information and should be held In confidence to the extent allowed by federal and state law
Dear *** ***:I am writing in response to your letter sent to American Claims Management regarding the above captioned complaintAmerican Claims Management is the claims administrator for the Extra Space Storage Customer Protection Plan program claims.Please find attached a copy of the master
policy.Complainant leases Extra Space storage *** ** ** *** *** *** *** **A report of mold on a mattress stored in the Unit was received on 7/20/There was a policy in place of the time of the loss with a limit of $10,The tenant, as well as the site monoger indicated no evidence of water intrusionIn addition, we assigned on independent adjuster to inspect the Unit and he opined no evidence of water intrusion as wellA coverage declination was issued on 8/5/I direct you to the Certificate of Storage Insurance policy which states in parti:PERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.a) Fire or Lightning j) Falling objects, provided the exterior of the building containing the b) Windstorm or Hail property is first damaged by such falling objects c) Explosion or Sonic Boom k) Weight of Ice, Snow or Sleetd) Strikes, Riotor Civil Commotion 1) Collapse of Buildings containing the property insured, other than by e) Aircraft, Self-propelled Missiles of Spacecraft earthquakef) Vehicles m) Water Damage except as excluded under Paragraphs (b) and (c) g) Smoke "Exclusions"h) Landslide, including sinkhole collapse and) Flood, surface water, waves, tides, tidal waves, overflow of anybody of it) Vandalism Or Malicious Mischief water, or their spray, all whether driven by wind or notEXCLUSIONS: We do not insure:b) Against loss or damage caused by or resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin, mold, mildew, wet or dry rot, atmospheric condition and for changes in temperature, delay, loss of use or loss of market.Please advise if you require any additional information regarding this claim or the coverage provided by Occidental Fire & Casualty Company of North Carolina.This document, and any attachments, may contain non-public personal information and should be held In confidence to the extent allowed by federal and state law
Thank you for your inquiry as to the status of this claim with American Claims ManagementWe regret when our customers are not satisfied with the level of services rendered as we are constantly reviewing our efforts to try and improve on our daily performance,We received notice of complaint #
*** on December 14, and immediately contacted our insured to discuss the issueDuring our conversation we were able to confirm the receipt of the $5,recoverable depreciation check issued on December 11, 2015.It is our understanding the issue surrounding this complaint has been resolve and our insured is satisfied with the outcome.Should you have any more questions, please feel free to contact me directly at *** * ***.Sincerely,*** * *** Supervisor, Property American Claims Management
8/20/2015Revdex.com, San DiegoOrange & Imperial CountiesViewridge Avenue, Ste200San Diego, CA92123Regardng: Our insured;Address;*** ***,Our Claim;Your Ref#;Attention:*** ** *** *** *** *** *** ***
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Innovative Solutions.Exceptional Results.Thank you for your inquiry as to the status of this claim with American Claims ManagementWe regret when ourcustomers are not satisfied with the level of services rendered as we are constantly reviewing our efforts to try andimprove on our daily performance.As of August 3rd of this year, our claim with Ms*** had been completed and a full settlement less the insured'sdeductible had been madeTotal damages had been calculated and after the application of the deductible, a net paymentwas madeFile documentation indicates that on August 4th the insured was called with information on the details of thesettlement and an email was sent to confirm those detailsOur check number *** was issued on that same day.Since that time, I have personally been in touch with *** *** and I understand there are some additional pendingissuesI will be in touch with the new and different handling adjuster and also inform her of what is still neededI gave*** my direct phone number in the event she has any more questions or concerns.Should you have any more questions regarding the status of this claim, please feel free to contact the undersigned at yourearliest convenienceUntil that time, I remain ...Property Claims ManagerAmerican Claims Management* *** ***ACMCiaims.com*** *** *
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Revdex.comViewridge Ave #200San Diego, CA 92123 *** ***NGrafton StreetRomney, WV 26757 Response to Revdex.com Complaint
#*** Insured : Turner Development CoInc.Carrier : Houston Casualty CompanyClaimant : *** ***Policy No. : ***Claim No. : ***Date of Loss : 04/22/2017 Dear *** ***: American Claims Management, Incis the third-party administrator for Houston Casualty Company regarding the above-mentioned claim. We are in receipt of complaint #*** dated July 20, from the Revdex.com. We reviewed *** ***’s complaint regarding a lack of response from *** *** regarding the settlement check for her Medical Payment claim. We have reviewed the claim and have immediately issued a settlement check for $2,to *** *** (See Attachment). We left a detailed voicemail with *** *** on July 27, regarding the status of the settlement check. If she does not receive it in 3-business days, we have asked for her to immediately contact us. We reviewed our records and the Settlement Release for the Medical Payment was received on June 20, 2017. However, *** ***’s last day with our company was June 22, 2017. We issued the settlement payment on July 27, 2017. We apologize for any service delays while we worked on transitioning a new employee into *** ***’s position. If you have any additional questions or concerns, please advise. Very truly yours, American Claims Management, Inc. *** ***Commercial Claims SupervisorAmerican Claims Management, Inc.Phone: (760) 827-4893Fax: (*** *** E-mail: ***
I am writing in response to your letter sent to American Claims Management regarding the above captioned complaintAmerican Claims Management is the claims administrator for the Extra Space Storage Customer Protection Plan program claims.Complainant leased Extra Space storage Unit *** at *** ***
*** *** *** ** ***A report of burglary was made on 5/27/There was a policy in place of the time of the loss with a limit of $2,Burglary is covered as long as there is forcible entryThe site manager indicates there was no forcible entry to this unitThere was an incident of burglary to the Extra Space location, however, this tenant's Unit was not involved.| refer you to the insurance policy, which stores in part:INSURING AGREEMENT: We will provide insurance under The Master Policy in consideration of your payment of the premium shown in the Insurance ApplicationEFFECTIVE DATE: This insurance attaches on the date shown in the Rental AgreementThis insurance shall remain in effect until terminated or cancelled as provided by this certificatePROPERTY INSURED: We cover your personal property or the personal property of others for which you may be liable or have assumed liability prior to a loss while in storage within the enclosed storage space described in the Rental AgreementPERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.a) Fire or Lightningb) Windstorm or Hailc) Explosion or Sonic Boomd) Strikes, Riot or Civil Commotione) Aircraft, Self-propelled Missiles or Spacecraftf) Vehiclesg) Smokeh) Landslide, including sink hole collapsei) Vandalism or Malicious Mischiefj) Falling objects, provided the exterior of the building containing the property is first damaged by such falling objects k) Weight of Ice, Snow or Sleetl) Collapse of Buildings containing the property insured, other than by earthquakem) Water Damage except as excluded under Paragraphs (b) and (c) "Exclusions'n) Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or notADDITIONAL COVERAGE'S: We will also provide these additional coverage's up to the amounts stated belowThese additional coverage's do not increase the Amount ofInsuranceBURGLARY: 100% of the amount of insurance for each insured loss by burglary or holdupThe term Burglary shall mean the act of stealing property by forcible entry into the storage space described in the Rental Agreement; however, this coverage only applies when such storage space is securely locked at the time of the forcible entry.Please advise if you require any additional information regarding this claim or the coverage provided by Occidental Fire & Consult Company of North Carolina.This document, and any attachments, may contain non-public personal information and should be held In confidence to the extent allowed by federal and state low
I am writing in response to your letter sent to American Claims Management regarding the above captioned complaintAn initial response was sent on November 28, This letter is to provide additional information in response to your letter dated December 23,Complainant leased Extra Space storage *** *** ** *** *** *** *** *** ** ***A report of burglary was made on May 27, There was a policy in place of the time of the loss with a limit of $2,Burglary is a covered peril Under the policy OS long as there is forcible entryThe site manager inspected and indicated there was no forcible entry to this Unit.There was can incident of burglary to the Extra Space location on March 11, The site manager checked all Units and noted that the involved Units hold the locks cutThe involved Units were *** *** *** *** *** *** *** *** *** *** *** *** *** *** ***The site manager contacted the lease of each of these Units and advised them of the burglaryThe site manager also reported the burglary to the *** County Police DeportmentThe police responded to the scene and took a report - ***The police did confirm in their report the forcible entry into the noted UnitsThis tenant's Unit was not one of the noted Units.The tenant contacted the police department on May 16, and added his information to the police report for the tenants involved in the March 1, burglaryWe contacted the detective and were informed that this tenant made a statement indicating that his unit was burglarized on an unknown date and timeThe detective advised that the police did not do a physical inspection of this tenant's UnitThe tenant advises that since this police report indicates forcible entry, that his claim should be paid.| refer you to the insurance policy, which states in part:INSURING AGREEMENT: We will provide insurance under The Master Policy in consideration of your payment of the premium shown in the Insurance ApplicationEFFECTIVE DATE: This insurance attaches on the date shown in the Rental AgreementThis insurance shall remain in effect until terminated or cancelled as provided by this certificatePROPERTY INSURED: We cover your personal property or the personal property of others for which you may be liable or have assumed liability prior to a loss while in storage within the enclosed storage space described in the Rental AgreementPERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.a) Fire or Lightningb) Windstorm or Hailc) Explosion or Sonic Boomd) Strikes, Riot or Civil Commotione) Aircraft, Self-propelled Missiles or Spacecraft f} Vehiclesg) Smokeh) Landslide, including sink hole collapse i) Vandalism or Malicious Mischief j) Falling objects, provided the exterior of the building containing the property is first damaged by such falling objects k) Weight of loce, Snow or Sleet I) Collapse of Buildings containing the property insured, other than by earthquake m) Water Damage except as excluded under Paragraphs (b) and (c) "Exclusions" n) Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or notADDITIONAL COVERAGE'S: We will also provide these additional coverages up to the amounts stated belowThese additional coverages do not increase the Amount ofInsuranceBURGLARY: 100% of the amount of insurance for each insured loss by burglary or holdupThe term Burglary shall mean the act of stealing property by forcible entry into the storage space described in the Rental Agreement; however, this coverage only applies when such storage space is securely locked at the time of the forcible entry,Please advise if you require any additional information regarding this claim or the coverage provided by Occidental Fire & Casualty Company of North Carolina.This document, and any attachments, may contain non-public personal information and should be held In confidence to the extent allowed by federal and state low.Sincerely,*** ** ***, CPCU, AIC, ARM, ARM-P Vice President, Coims
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.Complaint Detail / ProblemComplaint Type:Contract IssuesselectProblem:Problem getting insurance to fix my carTranslate Desired Resolution / OutcomeDesired Resolution:RepairselectDesired Outcome:I have been trying to get my car repaired through this company for months now. They lied and stated that they mailed a check to my auto repair shop and they never did
Regards,
[redacted]
Revdex.com 4747 Viewridge Ave, #200 San Diego, CA 92123-1688 Re: Revdex.com Complaint ID #: [redacted] ACM Claim Number: [redacted] Dear Ms. [redacted], Please allow this to serve as a response to your correspondence that is dated April 29, 2017. American Claims...
Management, Inc. (“ACM”) is the third-party administrator for [redacted] National Insurance Company (“[redacted]”) regarding the above-mentioned claim. As noted in the correspondence, the consumer is seeking resolution of her first party Collision claim related to this matter. We have reviewed this matter closely and have provided a brief timeline of events for your review below: On February 16, 2017, the consumer reported that her vehicle was struck while parked and unoccupied by an unknown party. At that time, a claim was generated and an adjuster was assigned to investigate coverage and the facts of the accident. On February 17, 2017, the adjuster attempted to contact the consumer by phone but was unable to reach her. An independent appraiser was also assigned to inspect the damage to the consumer’s vehicle. On February 21, 2017, the adjuster left a message for the consumer to discuss the claim. On February 22, 2017, the adjuster contacted the consumer and secured her version of the loss. The independent appraiser was instructed to inspect the vehicle at the consumer’s residence, per her request. On March 3, 2017, the adjuster contacted the consumer and left a message regarding the repair estimate and requested information for her repair facility. On March 9, 2017, the adjuster received a voice message from the consumer to discuss her claim. The adjuster returned the consumer’s call but was unable to reach her. The adjuster left a message for a return call. On March 13, 2017, a Supervisor received a voice message from the consumer regarding her claim. The supervisor called the consumer back and was able to discuss her claim. The supervisor went over the repair estimate and process. The consumer advised she would call back with her repair facility information. On March 24, 2017, the consumer called the adjuster to discuss the repairs of her vehicle. During that conversation, the consumer indicated that she might want to use Pacific Elite for the repairs. The consumer indicated she would call back to confirm. On April 11, 2017, the adjuster called the consumer to verify her intentions regarding her claim. The consumer indicated that she did not have money for her deductible and would call back in a “few weeks.” On May 2, 2017, the adjuster contacted the consumer and she provided information for her new repair facility. At that time, the adjuster contacted the facility, provided them with a copy of the repair estimate and issued payment to resolve this matter. We certainly regret any inconvenience the consumer may have experienced. However, we feel that our handling of this matter was appropriate and timely and resolved in accordance with California Insurance law. The handling adjuster resolved this matter once she was able to secure the repair facility information from the consumer. Our handling of this matter has concluded, as there are no pending matters associated with this claim. Please let us know if you have any questions or require further information. [redacted]
[redacted]
Good Afternoon. Upon receipt of this inquiry, immediate contact was made with our customer. During our conversation with him we requested that he provide us with the documents referenced in the inquiry. He has since provided us with the documentation via email and we have begun our...
review for release of the funds in question. We will continue to be in contact with him until such time his needs are met, final payments have been issued, and the file has reached a satisfactory conclusion. If the Revdex.com should have any questions or concerns, please contact the undersigned at the number or email below. Thank you.
Good afternoon Ms. [redacted]. I am not satisfied with the response received from American Claims Management regarding this claim. They stated my unit was not broken into with forcible entry. However, I have attached a picture of the broken lock/latch on my unit door ([redacted]). I also attached the police report for this incident clearly showing that my unit and many others at the storage facility were broken into forcibly. The site manager who originally stated my unit wasn't included in the list of affected units lied to the insurance company processing my claim and now no longer works there. It's my understanding that she was involved in theft and foul play at the facility (including stealing contents from my storage unit) and used her position of authority to try and coverup her involvement. Her false statement regarding my unit was just one of the many issues Extra Space Storage had with her, and that's why she was terminated. I have requested that American Claims Management follow up with the police department and new management for additional clarification regarding forcible entry into my unit, but they won't take any further action. This is unfair to me. I have been a storage customer at this facility for over 3 years and have paid over $3,500 in storage fees and $400 in insurance premiums. Now that I need to receive insurance benefits I am denied. Please send a rebuttal to the business reflecting the above referenced response and update my complaint. Many thanks![redacted]
Ms [redacted] Revdex.com, San Diego Orange & Imperial Counties 4747 Viewridge Avenue, Ste. 200 San Diego, CA. 92123Regarding: Our insured: [redacted]Address: [redacted], [redacted] Our Claim: [redacted] Your Ref #: 10781916Ms. Passick,Thank you for your inquiry as to the status of this claim with American Claims Management. We regret when our customers are not satisfied with the level of services rendered and we are constantly reviewing our efforts to improve on our daily performance.On September 16, 2015 we contacted [redacted] to discuss this claim. During the conversation we identified his specific concerns and were able to negotiate a financial settlement. It is our understanding, based on an email received from [redacted], that he is satisfied with the settlement and will be moving forward with is repairs. On September 17, 2015 the final settlement check was mailed to [redacted].Should you have any more questions regarding the status of this claim, please feel free to contact me directly at [redacted].
Dear [redacted]: I am writing in response to the letter dated 9/8/2016 sent to American Claims Management regarding the above captioned complaint’s rebuttal to our response to her initial complaint. As you will recall, complainant leases Extra Space storage [redacted]. A report of mold on a mattress stored in the unit was received on 7/20/2016. There was a policy in place at the time of the loss with a limit of $10,000.00. The tenant, as well as the site manager indicated no evidence of water intrusion. In addition, we assigned an independent adjuster to inspect the unit and he opined no evidence of water intrusion as well. A coverage declination was issued on 8/5/2016. I direct you to the Certificate of Storage Insurance policy which states in part: PERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.Fire or Lightning j) Falling objects, provided the exterior of the building containing theWindstorm or Hail property is first damaged by such falling objectsExplosion or Sonic Boom k) Weight of Ice, Snow or SleetStrikes, Riot or Civil Commotion l) Collapse of Buildings containing the property insured, other than by Aircraft, Self-propelled Missiles or Spacecraft earthquakeVehicles m) Water Damage except as excluded under Paragraphs (b) and (c)Smoke “Exclusions”Landslide, including sink hole collapse n) Flood, surface water, waves, tides, tidal waves, overflow of any body of Vandalism or Malicious Mischief water, or their spray, all whether driven by wind or not EXCLUSIONS: We do not insure:b) Against loss or damage caused by or resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin, mold, mildew, wet or dry rot, atmospheric condition and /or changes in temperature, delay, loss of use or loss of market. The complainant is correct that the independent adjuster was denied access to the roof by the site manager. However, he indicated based on his inspection of the unit that there was no evidence of water intrusion. We have asked that the independent adjuster go back out to the site to inspect the roof (we have secured permission to access from the district manager) to determine if the damages could have resulted from water intrusion. If it is determined that water intrusion occurred, coverage will be afforded. If the independent adjuster finds no evidence of water intrusion through the roof, the declination will remain. Please advise if you require any additional information regarding this claim or the coverage provided by Occidental Fire & Casualty Company of North Carolina.
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.
I cannot find a single contractor to do all the work required, before they'll release the hold. Due to different types of damage, we'll need a the roofer for the roof leak, a dry wall person to repair drywall, painters to refinish and paint, and a windows person to replace the seals. They are requesting a single signed contract for all the work before they'll release the held funds. Furthermore, I've already had to spend funds for the jack boot replacements and repairing the job that the initial contractor performed and screwed up. Additionally, we received a letter informing us that if we didn't have all the work completed, have receipts, and provide photos of completed work by Sep. 21, 2015, that they would not be able to renew out home insurance for the next year. There is no way we'll be able to get all this work completed in a week and a half, and they know it because it took them a month just to get us the estimate from the field agent. They are essentially forcing us to go to another home insurance company, while finding reasons to not release the claim hold.
Regards,
[redacted]
[redacted] [redacted] [redacted] [redacted]
Dear [redacted]: American Claims Management is the third party administrator for [redacted] Company Limited ([redacted]), one of the insurers for CPH, LLC (CPH). We are in receipt of your Revdex.com complaint # [redacted] in regards to a warranty issue with your home. To clarify, we do not directly represent CPH nor do we have authority to extend coverage for a warranty claim. Our scope was strictly limited to gathering the information for this claim and submitting this to CPH’s insurer, [redacted]. As we discussed on 06/12/2017, Colorado affords a 6/8-year statute for construction defect claims and we have no evidence that your home participated in a warranty program that extended the Statute to 10 years. Based on the information provided, the Close of Escrow date for your home was October 2009. If you did participate in a warranty program (outside the warranty provided by CPH) or were provided documents to the contrary, please provide us this information so we may investigate further. For your reference, Colorado Revised Statutes § 13-80-104, states, in part: § 13-80-104. Limitation of actions against architects, contractors, builders or builder vendors, engineers, inspectors, and others (1)(a) Notwithstanding any statutory provision to the contrary, all actions against any architect, contractor, builder or builder vendor, engineer, or inspector performing or furnishing the design, planning, supervision, inspection, construction, or observation of construction of any improvement to real property shall be brought within the time provided in section 13-80-102 after the claim for relief arises, and not thereafter, but in no case shall such an action be brought more than six years after the substantial completion of the improvement to the real property, except as provided in subsection (2) of this section. (b)(I) [redacted] (2) In case any such cause of action arises during the fifth or sixth year after substantial completion of the improvement to real property, said action shall be brought within two years after the date upon which said cause of action arises As promised, we will review this case with [redacted] and obtain their final coverage position. If you have any additional questions or concerns, please feel free to reach out to us. American Claims Management, Inc.
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]
Dear Ms. [redacted]: I am writing in response to your letter sent to American Claims Management regarding the above captioned complaint. American Claims Management is the claims administrator for the Extra Space Storage Customer Protection Plan program claims. Please find attached a copy of...
the master policy. Complainant leased Extra Space storage unit [redacted] at [redacted]. A report of mold damage from water intrusion was made on 10/21/2016. There was a policy in place at the time of the loss with a limit of $10,000.00. The claim was accepted and an acknowledgement letter was sent on 10/26/2016. On 11/23/2016 we sent he tenant a personal property inventory form to be completed. The form was completed, returned, processed and the claim was settled and paid on 12/13/2016 for the covered water damage. In addition to the damage from water, the tenant also claimed separate damages from rodents to her personal property. This is not covered under the policy and falls specifically under the exclusions. The damage from rodents was denied on 11/22/2016. I direct you to the Certificate of Storage Insurance policy which states in part: PERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.Fire or Lightning j) Falling objects, provided the exterior of the building containing theWindstorm or Hail property is first damaged by such falling objectsExplosion or Sonic Boom k) Weight of Ice, Snow or SleetStrikes, Riot or Civil Commotion l) Collapse of Buildings containing the property insured, other than by Aircraft, Self-propelled Missiles or Spacecraft earthquakeVehicles m) Water Damage except as excluded under Paragraphs (b) and (c)Smoke “Exclusions”Landslide, including sink hole collapse n) Flood, surface water, waves, tides, tidal waves, overflow of any body of Vandalism or Malicious Mischief water, or their spray, all whether driven by wind or not EXCLUSIONS: We do not insure:b) Against loss or damage caused by or resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin, mold, mildew, wet or dry rot, atmospheric condition and /or changes in temperature, delay, loss of use or loss of market.Please advise if you require any additional information regarding this claim or the coverage provided by Occidental Fire & Casualty Company of North Carolina. This document, and any attachments, may contain non-public personal information and should be held Sincerely,
[redacted], CPCU, AIC, ARM, ARM-PVice President, Claims
Thank you for your inquiry as to the status of this claim with American Claims Management. We regret when our customers are not satisfied with the level of services rendered as we are constantly reviewing our efforts to try and improve on our daily performance.Ms. [redacted] indicates American Claims...
Management has not provide a timely claim resolution regarding her hail claim filed on November 22, 2017.A review of the claim file shows that a complete inspection and investigation of the home was completed by [redacted], P.E. of SDii Global Corporation. The engineer report was received on February 19, 2018. Mr. [redacted] determined the home suffered a combination of wind and mechanical damage. Two missing shingle tabs and ten creased shingle tabs were damaged by wind. The 105 unsealed shingle tabs were the result of installation and can be resealed. Mr. [redacted] also determined the roof was pliable and can be repaired.A phone call and letter explaining the covered damages were below the deductible was provided on February 21, 2018.Should you have any more questions regarding the status of this claim, please feel free to contact the undersigned at your earliest convenience.Sincerely,[redacted], CPCU, AIC Property Claim Director [redacted] @acmclaims.com 813-452-2633
Dear Revdex.com: American Claims Management, Incis the third-party administrator for Everest National Insurance Company regarding the above-mentioned claim. We are in receipt of your letter dated 11/2/16. We spoke with Ms*** on 8/29/16, 8/30/16, 9/14/16, 9/19/and 10/4/
before receiving a retainer letter from her attorneyWe informed her that her recorded statement was required to determine coverage When she finally provided her recorded statement on 9/19/we discovered coverage issues based on her statementThe claim was assigned to our coverage attorney who was needed to provide a coverage opinionWe received the coverage opinion on 10/31/and a denial of coverage letter was sent out to Ms*** in today’s mail If you have any questions, please contact the undersigned at *** ***. Sincerely,
*** ***Claims Adjuster
Revdex.com of San Diego, Orange, and Imperial Counties Re: Insurance Entity: Everest National Insurance Company State of Issue: Michigan Contract type: Individual ID Number: *** Our Claim No.: *** Dear Bureau: Please accept this as Everest National Insurance Company’s response to the recent
complaint to the Revdex.comAfter a complete review of this matter, this matter has resolved timelyA complete investigation into any claim is needed, prior to making any paymentsWe received notice of the claim on the date of loss which was 09/08/Upon receipt, we completed a coverage review as well as a liability investigation, which included ordering the police reportVehicle inspections were also arrangedThe vehicle was determined to be a total lossUpon the original offer, the complainant requested another review of the value of the vehicle for additional items, which was completed, and settlement figures were renegotiated and the claim ultimately resolvedPayment was mailed earlier last weekShould you have any questions, please do not hesitate to contact our offices
Dear Ms***: I am writing in response to your letter sent to American Claims Management regarding the above captioned complaintAmerican Claims Management is the claims administrator for the Extra Space Storage Customer Protection Plan program claims Please find attached a copy of
the master policy. Complainant leased Extra Space storage unit *** ** *** ** *** *** *** ** ***A report of mold was made on 8/6/There was a policy in place at the time of the loss with a limit of $2,Mold is not a covered cause of loss unless it is caused by water intrusion which is not excluded under the policyInitial evidence received indicated no water intrusion in the unitThe tenant was notified and a declination letter was sent on 8/9/We have recently received additional information from the site indicating the possibility of water intrusionAs such, we are reaching out to the tenant and advising acceptance of the claimShe will be sent a Personal Property Inventory Form to note her damaged items which will be valued at the lesser of actual cash value, reasonable restoration or the cost to replace of like, kind and quality, up to the limit of insuranceI direct you to the Certificate of Storage Insurance policy which states in part: PERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.Fire or Lightning j) Falling objects, provided the exterior of the building containing theWindstorm or Hail property is first damaged by such falling objectsExplosion or Sonic Boom k) Weight of Ice, Snow or SleetStrikes, Riot or Civil Commotion l) Collapse of Buildings containing the property insured, other than by Aircraft, Self-propelled Missiles or Spacecraft earthquakeVehicles m) Water Damage except as excluded under Paragraphs (b) and (c)Smoke “Exclusions”Landslide, including sink hole collapse n) Flood, surface water, waves, tides, tidal waves, overflow of any body of Vandalism or Malicious Mischief water, or their spray, all whether driven by wind or not EXCLUSIONS: We do not insure:b) Against loss or damage caused by or resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin, mold, mildew, wet or dry rot, atmospheric condition and /or changes in temperature, delay, loss of use or loss of market.VALUATION: The value of the property will be determined at the time of loss and will be the least of the following amounts:The actual cash value of that property;The cost of reasonably restoring that property to the condition immediately before loss; orThe cost of replacing that property of like kind and quality. Please advise if you require any additional information regarding this claim or the coverage provided by *** *** * *** *** ** *** ***
This document, and any attachments, may contain non-public personal information and should be held In confidence to the extent allowed by federal and state law
Dear *** ***:I am writing in response to your letter sent to American Claims Management regarding the above captioned complaintAmerican Claims Management is the claims administrator for the Extra Space Storage Customer Protection Plan program claims.Please find attached a copy of the master
policy.Complainant leases Extra Space storage *** ** ** *** *** *** *** **A report of mold on a mattress stored in the Unit was received on 7/20/There was a policy in place of the time of the loss with a limit of $10,The tenant, as well as the site monoger indicated no evidence of water intrusionIn addition, we assigned on independent adjuster to inspect the Unit and he opined no evidence of water intrusion as wellA coverage declination was issued on 8/5/I direct you to the Certificate of Storage Insurance policy which states in parti:PERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.a) Fire or Lightning j) Falling objects, provided the exterior of the building containing the b) Windstorm or Hail property is first damaged by such falling objects c) Explosion or Sonic Boom k) Weight of Ice, Snow or Sleetd) Strikes, Riotor Civil Commotion 1) Collapse of Buildings containing the property insured, other than by e) Aircraft, Self-propelled Missiles of Spacecraft earthquakef) Vehicles m) Water Damage except as excluded under Paragraphs (b) and (c) g) Smoke "Exclusions"h) Landslide, including sinkhole collapse and) Flood, surface water, waves, tides, tidal waves, overflow of anybody of it) Vandalism Or Malicious Mischief water, or their spray, all whether driven by wind or notEXCLUSIONS: We do not insure:b) Against loss or damage caused by or resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin, mold, mildew, wet or dry rot, atmospheric condition and for changes in temperature, delay, loss of use or loss of market.Please advise if you require any additional information regarding this claim or the coverage provided by Occidental Fire & Casualty Company of North Carolina.This document, and any attachments, may contain non-public personal information and should be held In confidence to the extent allowed by federal and state law
Thank you for your inquiry as to the status of this claim with American Claims ManagementWe regret when our customers are not satisfied with the level of services rendered as we are constantly reviewing our efforts to try and improve on our daily performance,We received notice of complaint #
*** on December 14, and immediately contacted our insured to discuss the issueDuring our conversation we were able to confirm the receipt of the $5,recoverable depreciation check issued on December 11, 2015.It is our understanding the issue surrounding this complaint has been resolve and our insured is satisfied with the outcome.Should you have any more questions, please feel free to contact me directly at *** * ***.Sincerely,*** * *** Supervisor, Property American Claims Management
8/20/2015Revdex.com, San DiegoOrange & Imperial CountiesViewridge Avenue, Ste200San Diego, CA92123Regardng: Our insured;Address;*** ***,Our Claim;Your Ref#;Attention:*** ** *** *** *** *** *** ***
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Innovative Solutions.Exceptional Results.Thank you for your inquiry as to the status of this claim with American Claims ManagementWe regret when ourcustomers are not satisfied with the level of services rendered as we are constantly reviewing our efforts to try andimprove on our daily performance.As of August 3rd of this year, our claim with Ms*** had been completed and a full settlement less the insured'sdeductible had been madeTotal damages had been calculated and after the application of the deductible, a net paymentwas madeFile documentation indicates that on August 4th the insured was called with information on the details of thesettlement and an email was sent to confirm those detailsOur check number *** was issued on that same day.Since that time, I have personally been in touch with *** *** and I understand there are some additional pendingissuesI will be in touch with the new and different handling adjuster and also inform her of what is still neededI gave*** my direct phone number in the event she has any more questions or concerns.Should you have any more questions regarding the status of this claim, please feel free to contact the undersigned at yourearliest convenienceUntil that time, I remain ...Property Claims ManagerAmerican Claims Management* *** ***ACMCiaims.com*** *** *
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Revdex.comViewridge Ave #200San Diego, CA 92123 *** ***NGrafton StreetRomney, WV 26757 Response to Revdex.com Complaint
#*** Insured : Turner Development CoInc.Carrier : Houston Casualty CompanyClaimant : *** ***Policy No. : ***Claim No. : ***Date of Loss : 04/22/2017 Dear *** ***: American Claims Management, Incis the third-party administrator for Houston Casualty Company regarding the above-mentioned claim. We are in receipt of complaint #*** dated July 20, from the Revdex.com. We reviewed *** ***’s complaint regarding a lack of response from *** *** regarding the settlement check for her Medical Payment claim. We have reviewed the claim and have immediately issued a settlement check for $2,to *** *** (See Attachment). We left a detailed voicemail with *** *** on July 27, regarding the status of the settlement check. If she does not receive it in 3-business days, we have asked for her to immediately contact us. We reviewed our records and the Settlement Release for the Medical Payment was received on June 20, 2017. However, *** ***’s last day with our company was June 22, 2017. We issued the settlement payment on July 27, 2017. We apologize for any service delays while we worked on transitioning a new employee into *** ***’s position. If you have any additional questions or concerns, please advise. Very truly yours, American Claims Management, Inc. *** ***Commercial Claims SupervisorAmerican Claims Management, Inc.Phone: (760) 827-4893Fax: (*** *** E-mail: ***
I am writing in response to your letter sent to American Claims Management regarding the above captioned complaintAmerican Claims Management is the claims administrator for the Extra Space Storage Customer Protection Plan program claims.Complainant leased Extra Space storage Unit *** at *** ***
*** *** *** ** ***A report of burglary was made on 5/27/There was a policy in place of the time of the loss with a limit of $2,Burglary is covered as long as there is forcible entryThe site manager indicates there was no forcible entry to this unitThere was an incident of burglary to the Extra Space location, however, this tenant's Unit was not involved.| refer you to the insurance policy, which stores in part:INSURING AGREEMENT: We will provide insurance under The Master Policy in consideration of your payment of the premium shown in the Insurance ApplicationEFFECTIVE DATE: This insurance attaches on the date shown in the Rental AgreementThis insurance shall remain in effect until terminated or cancelled as provided by this certificatePROPERTY INSURED: We cover your personal property or the personal property of others for which you may be liable or have assumed liability prior to a loss while in storage within the enclosed storage space described in the Rental AgreementPERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.a) Fire or Lightningb) Windstorm or Hailc) Explosion or Sonic Boomd) Strikes, Riot or Civil Commotione) Aircraft, Self-propelled Missiles or Spacecraftf) Vehiclesg) Smokeh) Landslide, including sink hole collapsei) Vandalism or Malicious Mischiefj) Falling objects, provided the exterior of the building containing the property is first damaged by such falling objects k) Weight of Ice, Snow or Sleetl) Collapse of Buildings containing the property insured, other than by earthquakem) Water Damage except as excluded under Paragraphs (b) and (c) "Exclusions'n) Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or notADDITIONAL COVERAGE'S: We will also provide these additional coverage's up to the amounts stated belowThese additional coverage's do not increase the Amount ofInsuranceBURGLARY: 100% of the amount of insurance for each insured loss by burglary or holdupThe term Burglary shall mean the act of stealing property by forcible entry into the storage space described in the Rental Agreement; however, this coverage only applies when such storage space is securely locked at the time of the forcible entry.Please advise if you require any additional information regarding this claim or the coverage provided by Occidental Fire & Consult Company of North Carolina.This document, and any attachments, may contain non-public personal information and should be held In confidence to the extent allowed by federal and state low
I am writing in response to your letter sent to American Claims Management regarding the above captioned complaintAn initial response was sent on November 28, This letter is to provide additional information in response to your letter dated December 23,Complainant leased Extra Space storage *** *** ** *** *** *** *** *** ** ***A report of burglary was made on May 27, There was a policy in place of the time of the loss with a limit of $2,Burglary is a covered peril Under the policy OS long as there is forcible entryThe site manager inspected and indicated there was no forcible entry to this Unit.There was can incident of burglary to the Extra Space location on March 11, The site manager checked all Units and noted that the involved Units hold the locks cutThe involved Units were *** *** *** *** *** *** *** *** *** *** *** *** *** *** ***The site manager contacted the lease of each of these Units and advised them of the burglaryThe site manager also reported the burglary to the *** County Police DeportmentThe police responded to the scene and took a report - ***The police did confirm in their report the forcible entry into the noted UnitsThis tenant's Unit was not one of the noted Units.The tenant contacted the police department on May 16, and added his information to the police report for the tenants involved in the March 1, burglaryWe contacted the detective and were informed that this tenant made a statement indicating that his unit was burglarized on an unknown date and timeThe detective advised that the police did not do a physical inspection of this tenant's UnitThe tenant advises that since this police report indicates forcible entry, that his claim should be paid.| refer you to the insurance policy, which states in part:INSURING AGREEMENT: We will provide insurance under The Master Policy in consideration of your payment of the premium shown in the Insurance ApplicationEFFECTIVE DATE: This insurance attaches on the date shown in the Rental AgreementThis insurance shall remain in effect until terminated or cancelled as provided by this certificatePROPERTY INSURED: We cover your personal property or the personal property of others for which you may be liable or have assumed liability prior to a loss while in storage within the enclosed storage space described in the Rental AgreementPERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.a) Fire or Lightningb) Windstorm or Hailc) Explosion or Sonic Boomd) Strikes, Riot or Civil Commotione) Aircraft, Self-propelled Missiles or Spacecraft f} Vehiclesg) Smokeh) Landslide, including sink hole collapse i) Vandalism or Malicious Mischief j) Falling objects, provided the exterior of the building containing the property is first damaged by such falling objects k) Weight of loce, Snow or Sleet I) Collapse of Buildings containing the property insured, other than by earthquake m) Water Damage except as excluded under Paragraphs (b) and (c) "Exclusions" n) Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or notADDITIONAL COVERAGE'S: We will also provide these additional coverages up to the amounts stated belowThese additional coverages do not increase the Amount ofInsuranceBURGLARY: 100% of the amount of insurance for each insured loss by burglary or holdupThe term Burglary shall mean the act of stealing property by forcible entry into the storage space described in the Rental Agreement; however, this coverage only applies when such storage space is securely locked at the time of the forcible entry,Please advise if you require any additional information regarding this claim or the coverage provided by Occidental Fire & Casualty Company of North Carolina.This document, and any attachments, may contain non-public personal information and should be held In confidence to the extent allowed by federal and state low.Sincerely,*** ** ***, CPCU, AIC, ARM, ARM-P Vice President, Coims
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.Complaint Detail / ProblemComplaint Type:Contract IssuesselectProblem:Problem getting insurance to fix my carTranslate Desired Resolution / OutcomeDesired Resolution:RepairselectDesired Outcome:I have been trying to get my car repaired through this company for months now. They lied and stated that they mailed a check to my auto repair shop and they never did
Regards,
[redacted]
Revdex.com 4747 Viewridge Ave, #200 San Diego, CA 92123-1688 Re: Revdex.com Complaint ID #: [redacted] ACM Claim Number: [redacted] Dear Ms. [redacted], Please allow this to serve as a response to your correspondence that is dated April 29, 2017. American Claims...
Management, Inc. (“ACM”) is the third-party administrator for [redacted] National Insurance Company (“[redacted]”) regarding the above-mentioned claim. As noted in the correspondence, the consumer is seeking resolution of her first party Collision claim related to this matter. We have reviewed this matter closely and have provided a brief timeline of events for your review below: On February 16, 2017, the consumer reported that her vehicle was struck while parked and unoccupied by an unknown party. At that time, a claim was generated and an adjuster was assigned to investigate coverage and the facts of the accident. On February 17, 2017, the adjuster attempted to contact the consumer by phone but was unable to reach her. An independent appraiser was also assigned to inspect the damage to the consumer’s vehicle. On February 21, 2017, the adjuster left a message for the consumer to discuss the claim. On February 22, 2017, the adjuster contacted the consumer and secured her version of the loss. The independent appraiser was instructed to inspect the vehicle at the consumer’s residence, per her request. On March 3, 2017, the adjuster contacted the consumer and left a message regarding the repair estimate and requested information for her repair facility. On March 9, 2017, the adjuster received a voice message from the consumer to discuss her claim. The adjuster returned the consumer’s call but was unable to reach her. The adjuster left a message for a return call. On March 13, 2017, a Supervisor received a voice message from the consumer regarding her claim. The supervisor called the consumer back and was able to discuss her claim. The supervisor went over the repair estimate and process. The consumer advised she would call back with her repair facility information. On March 24, 2017, the consumer called the adjuster to discuss the repairs of her vehicle. During that conversation, the consumer indicated that she might want to use Pacific Elite for the repairs. The consumer indicated she would call back to confirm. On April 11, 2017, the adjuster called the consumer to verify her intentions regarding her claim. The consumer indicated that she did not have money for her deductible and would call back in a “few weeks.” On May 2, 2017, the adjuster contacted the consumer and she provided information for her new repair facility. At that time, the adjuster contacted the facility, provided them with a copy of the repair estimate and issued payment to resolve this matter. We certainly regret any inconvenience the consumer may have experienced. However, we feel that our handling of this matter was appropriate and timely and resolved in accordance with California Insurance law. The handling adjuster resolved this matter once she was able to secure the repair facility information from the consumer. Our handling of this matter has concluded, as there are no pending matters associated with this claim. Please let us know if you have any questions or require further information. [redacted]
[redacted]
Good Afternoon. Upon receipt of this inquiry, immediate contact was made with our customer. During our conversation with him we requested that he provide us with the documents referenced in the inquiry. He has since provided us with the documentation via email and we have begun our...
review for release of the funds in question. We will continue to be in contact with him until such time his needs are met, final payments have been issued, and the file has reached a satisfactory conclusion. If the Revdex.com should have any questions or concerns, please contact the undersigned at the number or email below. Thank you.
Good afternoon Ms. [redacted]. I am not satisfied with the response received from American Claims Management regarding this claim. They stated my unit was not broken into with forcible entry. However, I have attached a picture of the broken lock/latch on my unit door ([redacted]). I also attached the police report for this incident clearly showing that my unit and many others at the storage facility were broken into forcibly. The site manager who originally stated my unit wasn't included in the list of affected units lied to the insurance company processing my claim and now no longer works there. It's my understanding that she was involved in theft and foul play at the facility (including stealing contents from my storage unit) and used her position of authority to try and coverup her involvement. Her false statement regarding my unit was just one of the many issues Extra Space Storage had with her, and that's why she was terminated. I have requested that American Claims Management follow up with the police department and new management for additional clarification regarding forcible entry into my unit, but they won't take any further action. This is unfair to me. I have been a storage customer at this facility for over 3 years and have paid over $3,500 in storage fees and $400 in insurance premiums. Now that I need to receive insurance benefits I am denied. Please send a rebuttal to the business reflecting the above referenced response and update my complaint. Many thanks![redacted]
Ms [redacted] Revdex.com, San Diego Orange & Imperial Counties 4747 Viewridge Avenue, Ste. 200 San Diego, CA. 92123Regarding: Our insured: [redacted]Address: [redacted], [redacted] Our Claim: [redacted] Your Ref #: 10781916Ms. Passick,Thank you for your inquiry as to the status of this claim with American Claims Management. We regret when our customers are not satisfied with the level of services rendered and we are constantly reviewing our efforts to improve on our daily performance.On September 16, 2015 we contacted [redacted] to discuss this claim. During the conversation we identified his specific concerns and were able to negotiate a financial settlement. It is our understanding, based on an email received from [redacted], that he is satisfied with the settlement and will be moving forward with is repairs. On September 17, 2015 the final settlement check was mailed to [redacted].Should you have any more questions regarding the status of this claim, please feel free to contact me directly at [redacted].
Dear [redacted]: I am writing in response to the letter dated 9/8/2016 sent to American Claims Management regarding the above captioned complaint’s rebuttal to our response to her initial complaint. As you will recall, complainant leases Extra Space storage [redacted]. A report of mold on a mattress stored in the unit was received on 7/20/2016. There was a policy in place at the time of the loss with a limit of $10,000.00. The tenant, as well as the site manager indicated no evidence of water intrusion. In addition, we assigned an independent adjuster to inspect the unit and he opined no evidence of water intrusion as well. A coverage declination was issued on 8/5/2016. I direct you to the Certificate of Storage Insurance policy which states in part: PERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.Fire or Lightning j) Falling objects, provided the exterior of the building containing theWindstorm or Hail property is first damaged by such falling objectsExplosion or Sonic Boom k) Weight of Ice, Snow or SleetStrikes, Riot or Civil Commotion l) Collapse of Buildings containing the property insured, other than by Aircraft, Self-propelled Missiles or Spacecraft earthquakeVehicles m) Water Damage except as excluded under Paragraphs (b) and (c)Smoke “Exclusions”Landslide, including sink hole collapse n) Flood, surface water, waves, tides, tidal waves, overflow of any body of Vandalism or Malicious Mischief water, or their spray, all whether driven by wind or not EXCLUSIONS: We do not insure:b) Against loss or damage caused by or resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin, mold, mildew, wet or dry rot, atmospheric condition and /or changes in temperature, delay, loss of use or loss of market. The complainant is correct that the independent adjuster was denied access to the roof by the site manager. However, he indicated based on his inspection of the unit that there was no evidence of water intrusion. We have asked that the independent adjuster go back out to the site to inspect the roof (we have secured permission to access from the district manager) to determine if the damages could have resulted from water intrusion. If it is determined that water intrusion occurred, coverage will be afforded. If the independent adjuster finds no evidence of water intrusion through the roof, the declination will remain. Please advise if you require any additional information regarding this claim or the coverage provided by Occidental Fire & Casualty Company of North Carolina.
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.
I cannot find a single contractor to do all the work required, before they'll release the hold. Due to different types of damage, we'll need a the roofer for the roof leak, a dry wall person to repair drywall, painters to refinish and paint, and a windows person to replace the seals. They are requesting a single signed contract for all the work before they'll release the held funds. Furthermore, I've already had to spend funds for the jack boot replacements and repairing the job that the initial contractor performed and screwed up. Additionally, we received a letter informing us that if we didn't have all the work completed, have receipts, and provide photos of completed work by Sep. 21, 2015, that they would not be able to renew out home insurance for the next year. There is no way we'll be able to get all this work completed in a week and a half, and they know it because it took them a month just to get us the estimate from the field agent. They are essentially forcing us to go to another home insurance company, while finding reasons to not release the claim hold.
Regards,
[redacted]
[redacted] [redacted] [redacted] [redacted]...
[redacted] [redacted] [redacted] [redacted]
Dear [redacted]: American Claims Management is the third party administrator for [redacted] Company Limited ([redacted]), one of the insurers for CPH, LLC (CPH). We are in receipt of your Revdex.com complaint # [redacted] in regards to a warranty issue with your home. To clarify, we do not directly represent CPH nor do we have authority to extend coverage for a warranty claim. Our scope was strictly limited to gathering the information for this claim and submitting this to CPH’s insurer, [redacted]. As we discussed on 06/12/2017, Colorado affords a 6/8-year statute for construction defect claims and we have no evidence that your home participated in a warranty program that extended the Statute to 10 years. Based on the information provided, the Close of Escrow date for your home was October 2009. If you did participate in a warranty program (outside the warranty provided by CPH) or were provided documents to the contrary, please provide us this information so we may investigate further. For your reference, Colorado Revised Statutes § 13-80-104, states, in part: § 13-80-104. Limitation of actions against architects, contractors, builders or builder vendors, engineers, inspectors, and others (1)(a) Notwithstanding any statutory provision to the contrary, all actions against any architect, contractor, builder or builder vendor, engineer, or inspector performing or furnishing the design, planning, supervision, inspection, construction, or observation of construction of any improvement to real property shall be brought within the time provided in section 13-80-102 after the claim for relief arises, and not thereafter, but in no case shall such an action be brought more than six years after the substantial completion of the improvement to the real property, except as provided in subsection (2) of this section. (b)(I) [redacted] (2) In case any such cause of action arises during the fifth or sixth year after substantial completion of the improvement to real property, said action shall be brought within two years after the date upon which said cause of action arises As promised, we will review this case with [redacted] and obtain their final coverage position. If you have any additional questions or concerns, please feel free to reach out to us. American Claims Management, Inc.
[redacted]
[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]
Dear Ms. [redacted]: I am writing in response to your letter sent to American Claims Management regarding the above captioned complaint. American Claims Management is the claims administrator for the Extra Space Storage Customer Protection Plan program claims. Please find attached a copy of...
the master policy. Complainant leased Extra Space storage unit [redacted] at [redacted]. A report of mold damage from water intrusion was made on 10/21/2016. There was a policy in place at the time of the loss with a limit of $10,000.00. The claim was accepted and an acknowledgement letter was sent on 10/26/2016. On 11/23/2016 we sent he tenant a personal property inventory form to be completed. The form was completed, returned, processed and the claim was settled and paid on 12/13/2016 for the covered water damage. In addition to the damage from water, the tenant also claimed separate damages from rodents to her personal property. This is not covered under the policy and falls specifically under the exclusions. The damage from rodents was denied on 11/22/2016. I direct you to the Certificate of Storage Insurance policy which states in part: PERILS INSURED AGAINST: We cover direct loss to property insured by the following perils, except as otherwise excluded but limited to the amount of insurance.Fire or Lightning j) Falling objects, provided the exterior of the building containing theWindstorm or Hail property is first damaged by such falling objectsExplosion or Sonic Boom k) Weight of Ice, Snow or SleetStrikes, Riot or Civil Commotion l) Collapse of Buildings containing the property insured, other than by Aircraft, Self-propelled Missiles or Spacecraft earthquakeVehicles m) Water Damage except as excluded under Paragraphs (b) and (c)Smoke “Exclusions”Landslide, including sink hole collapse n) Flood, surface water, waves, tides, tidal waves, overflow of any body of Vandalism or Malicious Mischief water, or their spray, all whether driven by wind or not EXCLUSIONS: We do not insure:b) Against loss or damage caused by or resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin, mold, mildew, wet or dry rot, atmospheric condition and /or changes in temperature, delay, loss of use or loss of market.Please advise if you require any additional information regarding this claim or the coverage provided by Occidental Fire & Casualty Company of North Carolina. This document, and any attachments, may contain non-public personal information and should be held Sincerely,
[redacted], CPCU, AIC, ARM, ARM-PVice President, Claims
Thank you for your inquiry as to the status of this claim with American Claims Management. We regret when our customers are not satisfied with the level of services rendered as we are constantly reviewing our efforts to try and improve on our daily performance.Ms. [redacted] indicates American Claims...
Management has not provide a timely claim resolution regarding her hail claim filed on November 22, 2017.A review of the claim file shows that a complete inspection and investigation of the home was completed by [redacted], P.E. of SDii Global Corporation. The engineer report was received on February 19, 2018. Mr. [redacted] determined the home suffered a combination of wind and mechanical damage. Two missing shingle tabs and ten creased shingle tabs were damaged by wind. The 105 unsealed shingle tabs were the result of installation and can be resealed. Mr. [redacted] also determined the roof was pliable and can be repaired.A phone call and letter explaining the covered damages were below the deductible was provided on February 21, 2018.Should you have any more questions regarding the status of this claim, please feel free to contact the undersigned at your earliest convenience.Sincerely,[redacted], CPCU, AIC Property Claim Director [redacted] @acmclaims.com 813-452-2633