American Plumbing Contractors, Inc.

Regarding *** ***'s concern over her loss of inherited property, she was not a party to the mortgage loan transaction and was not an obligor on the note*** *** was the only party that signed the mortgage and noteNationwide Advantage Mortgage Company (NAMC) began the
foreclosure proceedings in January due to missed mortgage paymentsAt the time of foreclosure referral in January 2013, *** *** was past due for five payments, September through January 2013.
Part of the foreclosure process is to notify any person or company that may have an interest in the property*** *** and *** *** are now married and she may have an interest in the property as his spouseAs part of the foreclosure, it is necessary to name everyone who may have an ownership interest in the property, as well as everyone who holds a mortgage or lien on the propertyas defendantsThis does not mean that all of these defendants are personally obligated to pay the debtThey are named to cut off any interest that they may have in the propertyThat is why *** *** was named as a defendant on the foreclosure documents
In addition, NAMC approved *** *** for a loan modification on November II. NAMC also participated in a mediation hearing on December 19,2013, in which we offered *** *** the loan modification a second time and answered any questions regarding loss mitigation
On January 13,2014, *** *** called our office to advise her loss mitigation rep that they would not be accepting the loan modificationBased on the borrower's rejection of the loan modification, NAMC has resumed the foreclosure process and the property went to sale on July 14, 2014. Regarding the sale of the property from *** *** *** *** to *** ***, the loan was originated by *** *** *** on June 29, *** *** *** sold the loan to NAMC, and the servicing of the loan was transferred to NAMC effective as of the August paymentAny issues surrounding a delayed payoff of the loan with *** *** *** *** and ** *** at the time of origination would have to be resolved with *** *** *** and ** ***NAMC can confirm that the foreclosure involving *** *** was related only to his missed payments on his loan used to buy the property from *** *** *** ***
NAMC disputes *** ***'s allegations of fraud and other wrongdoingWe believe that we have serviced this loan in compliance with all applicable laws
If you have any further questions regarding this loan, please contact me at #####, extension ##### weekdays m 8:a.mto 4:p.mCentral time
Sincerely,
*** *** *** **
***

*** ** *** ***
*** *** ***
*** ** *** *** *** ***
*** *** *** ** ***
*** *** ** ***
*** *** *** * ***
In response to the latest letter received from ** ***, I never requested to be at *** ***'s house after the “excavation” the first time I learned an excavation was going to take place was when I inspected the loss
I never requested *** *** to be on her feet, *** *** had many questions for *** *** as he had never been to the house and had little or no information as to what actually took placeI am confident that when *** *** reviews her security cameras she will be able to clearly see that I was in fact carrying a leather binder which had a manila folder within it that contained the certified copy of the Homeowners policy
While in the basement, *** *** did in fact use a laser level, however contrary to *** ***’s assertion prior to turning the unit on he explained what it was and I clearly remember *** *** moving from the damaged rear wall to the middle of the basement behind plastic which was hanging from the ceiling
While at the residence, I nor *** *** were ever asked to sit at the dining room table to discuss the policyWe did both see the tree limb and the area where *** *** claims the tree damaged to homeThe branch we were shown was easily removable and in the opinion of the structural engineer did not cause or contribute to any water damage to her home
I never made the statement that *** *** “would have to wait for *** *** to develop his pictures” We have been very clear that the loss sustained was not covered under the Homeowners policy and the only coverage available was for the water back upWe employed the services of an engineer as each letter that is written the facts of the loss change and we wanted to have an independent engineer inspect the home to give their opinion on the cause of loss
After the inspection by the engineering firm, along with my own inspection, our opinion remains that the additional damage claimed is not covered under the Homeowners policy and *** *** has been fully compensated under the water-backup endorsement
Please contact the undersigned directly with any questions on this matter
Sincerely,
*** ** ***
*** ***
Nationwide Insurance

*** *** *** *** *** *** *** *** *** *** ***
*** *** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
***
We have reviewed the inquiry from *** and ***
***Mrand Mrs***’s inquiry concerns their policy canceling for nonpayment of premium
We thank you for the extension of time granted to research this fully and respond to the questions raisedAccording to our thorough review of our records, it is the Company’s position that the Company’s notices and billing procedures were compliant with ***’s insurance lawHowever, the Company has made the business decision to reinstate coverage of the Homeowners policy (######) provided the ***s make the applicable premium payments that are dueThe policy will have no lapse in coverage, and the loss of June 3, will be investigated according to the policy provisions
Please find the Company’s response addressing each of the ***s’ specific concerns for your considerationMrand Mrs***’s concerns appear in bold:
? Mrand Mrs*** believed that Allied cancelled their Home policy without their knowledge: A Notice of Cancellation For Non-Payment of Premium was sent to the ***s in May subsequent to the billing notice that additional premium was due in April
? The Company sent a billing notice dated April 25, stating a due date of May 15, Per the ***s’ request, their Home and Auto policies have been billed on the same accountAlthough they had paid premium of $2,on June 14, 2013, the vehicle change they made on March 26, created additional premium due on the account
? Because the additional premium was not paid, the Company sent a Notice of Cancellation For Non-Payment of Premium to Mrand Mrs*** on May 20, Please find the attached copy of the Notice of Cancellation For Non-Payment of Premium and proof of mailingBecause the Home and Auto policies were billed
Allied Insurance, *** *** *** *** *** *** *** *** ***
on the same account, the Notice of Cancellation was applicable to both policies, as stated and listed on the Notice
Mrand Mrs*** believed that they were told the policy cancelled due to owing $on the boat policy by company representative, ** ***:
? Mrand Mrs*** contacted the Company’s customer service department on June 19, Mr*** received confirmation that their Home and Auto policies cancelled for nonpayment of $Our records reflect that the Service Center representatives advised that this additional amount due was the result of the March 26, vehicle change made by the ***s
? The Company has reviewed Mrand Mrs***’s account in detail and we do not find record of a conversation with a party named ** ***Moreover, the Company records do not show an employee by this name
Mrand Mrs*** advised that they called *** *** about the $and said that they would pay the amount when the entire policy was due upon the policy’s renewal
? Because the insured’s agency is an independent insurance agency and because the Company was not privy to any conversations between Mr*** and the independent insurance agency, the Company reached out to the insured’s agencyThe Company obtained statements from parties within the independent insurance agency, *** *** Agency, regarding their interactions with the ***sPlease see the enclosed statements
Upon dialogue with the ***s’ independent insurance agency in late June, the Company made the business decision to reissue the Home and Auto policies with lapses in coverage effective June 20, The reissued Home policy number was ##### with the effective date of June 20th and the Auto policy number, with the same effective date of June 20th, is ######Because the prior Home policy is being reinstated, with no lapse in coverage, the Home policy number will now be ############ (effective June 15, to June 15, 2015) and the applicable premiums will apply for the reinstated policy and the June 15, renewalThe Auto policy number remains unchanged
We appreciate the opportunity to review Mrand Mrs***’s inquiry, confirm the Company’s actions and notices were compliant with *** law, and address the policyholders’ concernsPlease feel free to contact me if there are additional questions
Sincerely,
*** ***
*** ***
Allied Insurance, a member of Nationwide Insurance
###-###-####
***

On Revdex.com received a phone call from *** *** She said as of today she has not received the $check from Nationwide

For five very long weeks, I have been asking the same question The question asked, is for someone at Nationwide or Allied to explain some very specific wording of my policy In my last response of September 12, 2014, I did, once again make reference to the specific wording of Page of my policy The response given by *** ***, on September 15, once again, gives explanation of page of the policy, and ignores my request for an explanation of page
Had I received any explanation of Page of of the policy, I would not be requesting an explanation now I did write the words in my correspondence of September that I wanted an explanation of *** *** gave some explanation of words on Page of which I clearly understand to be the "exclusions" of the policy I did ask for an explanation of the "exceptions" found on Page (and stated clearly in my last correspondence)
What seems to be happening is that *** *** seems to be purposefully ignoring and declining my request It does not seem like an unreasonable request to ask an insurance company to explain policy wording for sake of understanding by the insured
It seems unusual to me that over contractors have come to my home Each and everyone of them understood that the ceiling in my basement buckled (tongue and groove portions) and cracked (new drywall construction 2013) in some areas because the back wall of my home bowed resulting in the complete collapse of a window well Yet, Nationwide sent a second adjuster to my home, issued me a second claim number, and insisted on viewing my upstairs bedroom and roof
My second question to Nationwide after this second adjuster visited on September 3, 2014; was: "how is this a second claim" Nationwide did purposefully send a second adjuster to my home, called this adjuster a "catastrophe specialist", told me this adjuster would explain any or all parts of my policy, all under the guise to set me up with a second claim number in order to cause me to be un-insurable
Nationwide wants to talk about roofs and ceilings throughout my home so that they don't have to answer the primary questions I have asked about my policy
It has become my firm opinion that Nationwide is employing a tactic to keep me from asking other questions about my policy which are specific to my circumstance Nationwide refused to document the actual damage of this event, and the true loss to my investment Nationwide had the responsibility to pay me for provisions of my policy because the damages were caused by another individual's specific act Nationwide further had the ability to recover any payment to me for my complete damage and loss, and seek subrogation against this person who caused damage to my property through his homeowner's policy
*** *** has made no attempt to explain the policy wording that I requested explanation of *** *** has made no attempt to remedy this business about "two separate claims" Nationwide adjusters made comments about the "maintenance issues" on my property when I showed them damage
I do have photographs taken of all areas of my property on June 30, documenting no single sign of maintenance issue I do have tens of thousands of dollars of receipts demonstrating that this property was properly maintained I do have witnesses that the rear neighbor brought dump trucks full of dirt, and did re-grade the back alley causing several of the block homeowners to experience damage from this one man's acts
In the report of the first adjuster, *** ***, the value of my year old high efficiency Trane furnace was valued at $even though I showed Adjuster Smith the receipt for $in 2010, and maintenance receipts on this mechanic twice a year since purchase *** *** intentionally undervalued my loss in this and other instances I should also be asking why Nationwide refused to document my true loss from this August 11, event, but Nationwide is not allowing me to even get an answer to my initial request for explanation of specific policy words.
I am left with one thing to say, and it is this: *** ***, I am seeking an explanation of the following wording of my homeowners insurance policy found on Page of 28, and stated clearly in my previous response to you, and sent prior via UPS to the Revdex.com of Central Ohio The explanation I am seeking is of these specific words which I will repeat here, as I have repeated for five long weeks, and those words are, and follow the words of your Page 14:
...beginning on Page of 28: "Section I: Perils Insured Against" This section includes all exclusions of coverage (as pointed out by *** ***), but then state the following exceptions:
We do not insure for loss to property described in Coverages A and B caused by any of the following However, any ensuing loss to property described in Coverages A and B not precluded in Section I - Exclusions in Aabove is covered
Weather conditions However, this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in Ato produce the loss
Acts or decisions, including the failure to act or decide, of any person, group, organization or government body
Faulty, inadequate or defective:
aPlanning, zoning, development, surveying, siting
bDesign specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction
cMaterials used in repair, construction, renovation or remodeling:
or
dMaintenance
Of part or all of any property whether on or off the 'residence premises'
** *** these highlighted words are the words I want explained Is it possible for you to explain these words? Need I re-iterate my understanding of these words highlighted in my correspondence of September 12?
I remain resolved that the exception to my loss was the grading issue caused by my insured rear neighbor I remain resolved that Nationwide owes me an explanation of the specific policy wording that I have repeatedly requested explanation of Kindly conduct yourself, and acknowledge and address my request.
Regards,
*** ***

In response to the latest letter received from ** *** although you have indicated a response is not necessary, there are several inconsistencies which I fell should be addressed.
To date I have not heard from the Attorney General, I have answered requests from the Revdex.com as well as Department of InsuranceThere is no mention in my letter of October 4th regarding the maintenance or age of *** ***’s home, I am in agreement that the Limits on the dwelling are $200,the contents limit is actually $140,280.00.
In the Third paragraph *** *** makes mention of the tree branch being visible in a picture (4), this is actually a tree in her yard, not the branch which she claims did damage; this can be seen on picture The branch that is being referred to, I witnessed it myself and *** *** was able to remove it himself without any assistanceThis letter is the first time (previous letter’s as well as several phone conversations and an inspection) there has been any reference to the fact that some of this branch had been removed prior to our inspectionThis is also the first notice I have received that *** *** has had an engineer at her home, I would be happy to review any reports they have written.
*** *** goes on to describe what happened once the excavation took place, which in fact shows the home was experiencing lateral soil pressure as outlined in the engineering report.
The following paragraph goes on to discuss *** ***’s description of the home being of exterior bearing wood frame walls, this is the correct definition of the homes constructionThis home does in fact have a steel I-beam which supports floor joistsOnce again I must reiterate the laser level being pointed in *** ***’s eye never took place, I at no time ever blocked the egress, and in fact I had to move in order to hold the tape measure against the wall for the laser level which would put me several feet away from the entrance.
The next items discussed are the buckling and water spots on the ceiling, I do not see any reference in the engineering report to water stains on the basement; the reference to water staining is in the bedroom upstairsI do not recall being shown any mold, nevertheless, as previously explained, there would be no coverage available under the Homeowners policy.
*** *** then discusses whether she was trapped in her house for or hours, I do not recall specifically what was stated during the inspection so I cannot comment here** *** then states that the water was never up to her house, I stood and listened to *** *** describe how water was rushing down her basement stairs from the side door, indicated that the water was up to the second glass block window in the basement and she has also reiterated this in writing indicating there was so much water running under the door it removed the weather stripping and it was found in the homeI am unsure how she is now stating the water was never up to the house.
In regards to the reference to the engineering report regarding age and deterioration, the engineer has clearly stated the damage to the mortar was not caused by a tree branch and is in fact due to the deterioration of the mortar. Next *** *** indicates that myself and engineer did not understand what was being explained to us as the report goes on to state how this could cause future damageI certainly understood what was being told to me and that the report is simply mentioning there will be additional issues if the grading is not addressed*** *** made no reference to the current condition becoming long term lateral soil damage, rather he points out the movement of the East and North foundation walls are due to lateral soil pressure which increases when saturated with ground water.
Despite *** ***s claim that there are no horizontal cracks, the report gives the photograph number (26) and looking at the photo’s I can clearly see the horizontal crack being referenced. Glazed tile veneer is a generic name for the tiles in the basement.
The following paragraph attempts to discredit the engineer, myself and adjuster indicating we do not understand what we are being told, as I have indicated, we clearly understand what we are being told, unfortunately the loss MsGeek sustained has no coverage for other than the sewer back up that she has previously been paid for. ** *** then goes on to discuss collapse, this claim has been refuted by the engineering report.
The following paragraph discusses *** ***’s claim that “Nationwide” told her she may have hidden decay and that she should excavate the foundationThis never took place, as previously mentioned the first time I found out about an excavator coming to her home was upon my inspectionJust prior to the excavation *** *** called *** *** and left him a message that I instructed her to have excavation done, *** *** called me and gave me that information, I immediately called *** *** and explained I never made any reference to this and when confronted with this she indicated it was someone at Nationwide, I asked her who and she could not give me any names that told her thisAs pointed out in the report, the engineer did indicate lateral soil pressure, he also pointed out this was not caused by the recent eventEven if this were the case, this is not covered under the Homeowners policy as previously stated.
The next paragraph goes onto describe an underground pipe with a low voltage line, this is the first mention of this item, *** *** goes on to discuss the coverage for the item under collapse, a collapse never took place as indicated in the engineering report.
I have never made the comment to ** *** regarding age or deterioration; therefore I am not calling Rapid Survey or *** *** a liarMortar can deteriorate for a number of reasons*** *** does not live in *** that is where the *** office is locatedI have addressed every concern and we have sent a very qualified Adjuster as well as engineer to your home to inspect your loss.
The next paragraph goes on to discuss my leather binder, which in previous letters *** *** said I never had with me, my assumption is the security cameras were reviewed and I did in fact have the information with me as previously discussedWe came to your home as this was an option that *** *** discussed with you and you were in agreement withAs previously indicated the engineer did not shine a laser level into your eye, we walked the entire home so that you could point put the areas of damageYour photographs were not ignored; they were reviewed in the submission of this claimWith respect to Subrogation, we can subrogate against a third party if they are identified as being the cause of a covered loss we pay for, unfortunately this is not the case with your claimI have pointed out to you in several letters, where the policy would only provide coverage for the water back up endorsement.
With respect to a response to Nationwide Headquarters, I do in fact represent our headquartersI was also scheduled to come back to your home on October 17th with *** *** as well as the engineer for a further discussion of not only the engineering report but the policy as wellYou cancelled this inspection on Wednesday October 15th and did not give a reason.
Please contact the undersigned directly with any questions on this matter.
Sincerely,
*** ** ***
*** ***
Nationwide Insurance

*** *** *** *** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** *** ***
*** *** *** ***
Thank you for the opportunity to respond to the RevDex.com regarding policy
number ###### for *** *** and to address his concerns about the policy
On ***4, *** *** purchased a six month insurance policy from the ***
*** ***
with a bill plan of 16% down and installments with an automatic draftThe
policy has canceled per *** ***'s request effective 06/24/per the short-rate
calculation agreed upon by *** *** when the policy was purchased
On 5/27/2014, when *** *** initialed his application, he acknowledged that he would
provide proof of prior insurance of at least months of continuous coverage with no lapseThe
proof of prior insurance was used in rating his policy at the original quoted amountOn
212014, when *** *** failed to provide the proof of prior insurance, the discount was
removed and the policy premium increased accordinglyThe current amount due of $
reflects an amount of $-in extended coverage and a short rate cancellation calculation of
$The $remains due and wilt not be adjusted
Please see the attached acknowledgement and application
I trust that I have addressed the issues within *** ***'s complaintIf I can be of further
assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***

*** *** ***
*** *** *** *** *** ** *** *** *** ***
*** ***
*** ***
In response to the latest letter received from ** *** I propose the following:
I will re-open this claim, contact MsGeck early next week and set an inspection of the property myselfI will arrange to have a structural engineer present to inspect the property and make a determination as to what caused the damages to the home.
I will bring with me a copy of the homeowner’s policy and all applicable endorsements.
Please contact the undersigned directly with any questions on this matter.
Sincerely,
***
*** ** ***
Nationwide Insurance

I am responding to the letter from Nationwide, yes she sent the letters but not the phone calls that I made to the customer service representatives, and to the local office *** *** I placed a lot of calls starting in October to be exact because that was the month that I got laid off in so the lady that is responding to this complaint is just someone behind a desk pulling up information on the computer and going by that, she is not someone who dealt with me personally so it is not fair that she try and be the determine factorI have dealt with the Osborne agency for a long time and Nationwide for about plus years I was on the phone immediately when I knew I was not going to be able to keep my policy paidI spoke with *** and told her that I wasn't going to be able to pay but wanted to catch up my policy for the payment that I was behind and she told me how much it was and she called the number and got me an extension to have the payment in so I went to my credit union and got a loan for the $dollars and made the payment at that time I told *** *** that I would have to cancel my policy because I at that point had no income periodI then called the customer service number to let them know that I was cancelling the policy and wanted to see if they could take me off and just leave my sons on the policy he said no so I told him to cancel this policy immediately, he then went on to say that another insurance company wouldn't look at this in a good way because I would have a laps in my insurance, I told him it didn't matter I needed to cancel because I had no income and he was still trying to give me another extension even after I told him that I had one extension and had been told that you could have only one extension a year and that even if he extended it I still would have no money and couldn't pay it and to cancelI only found out that *** had not cancelled the policy when I called the number to see if my sons could keep their policy and take me off so if *** had done as I asked policy would have been cancel and it wouldn't have kept going so I did what I needed to do they didn't
Regards,
*** ***

Nationwide is failing to provide a factual error in my diminished value appraisal as relayed per their request I continue to stand firm with the claim amount I have demanded
The *** Department of Insurance has clarified they are not in a position to comment on this case since it is a legal matter that needs resolution through either direct reconciliation through Nationwide and *** * *** or through the local court system If a mutually agreeable amount cannot be established, I will file a complaint with the appropriate judicial venue to seek resolution through the *** court system
Based on the fact the Nationwide insured was determined to be at full fault for this incident, along with information I have collected from various industry experts regarding my diminished value, I am confident I will successfully receive a full settlement if this case does need to be resolved through the appropriate court system
I continue to be willing to seek a mutual agreement outside of the court system if Nationwide is willing to provide a reasonable and justifiable settlement amount Currently they continue to fail to prove their offer amount was established within industry guidelines in which I have provided the requested backup
Regards,
*** * ***

I am rejecting this response because: Never in my life have have I seen car insurance that change every month surely they will dress up with technical terms stating this is why this price occurred and when you do call every representative has something different to say I will be seeking auto insurance some were else and will never give a positive review for nationwide as I stated earlier there on no ones side but there own I'm never giving anyone permission to automatically deduct money from my account and neither I'm I willing to put a tracking device on my carI worked hard for my money and refuse to keep paying a increasing insurance rate just because a insurance company feel like they can keep raising your price.#ridiculousssssssssssssssss

*** *** ***
*** *** *** *** *** *** **
*** ***
*** *** *** *** * *** *** *** *** *** ** *** *** ** *** ** *** *** ***Dear *** Your last message was replied to in a timely fashion and the dispute has not been resolved Thank you for your attention in this matter...*** *** *** *** *** ***

*** ** ***
***
*** *** *** ** *** ***
*** *** **
*** ** ***
*** *** *** ***
***
***
*** *** *** *** *** ***
*** ***
*** *** ***
*** ***
This letter is being written in response to your inquiry regarding the above referenced policy. After careful review of all relevant information, please see findings below:
In compliance with our *** *** underwriting guidelines, all licensed drivers in the household must be rated regardless of the type of restriction on the licenseAlso, college students under age are considered members of their parent’s household and must be rated
Based on these guidelines, *** *** qualifies as an insured resident relative and must be rated on his parent’s auto policy
As a college student away from home without a vehicle, we are rating *** as an occasional driver which applies a discounted rate
If you have further questions or concerns please feel free to contact me at ###-###-####
Sincerely,
*** ***
*** *** ***
Nationwide Mutual Insurance Company

*** *** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** *** ***
*** ***
Thank you for the opportunity to respond
to the Revdex.com regarding policy
number for *** *** and to address his concerns about the policy
On 5/23/2014, *** *** purchased a six month insurance policy from the ***
*** *** *** with a paid in full bill plan
We received a written request from *** *** to cancel his policy effective 6/9/
on 7/10/Our policy states that any request received to backdate a cancelation over days requires documentation that coverage has been bound elsewhereAn exception has been made to cancel *** ***’s policy effective 6/9/per his request and per the policy terms and conditions that *** *** agreed upon when he purchased the policyA refund check in the amount of $has been issued to *** *** and should be received in the next 7-days
I trust that I have addressed the issues within *** ***’s complaintIf I can be of
further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***

*** ** ***
*** ***
*** *** ***
*** ** ***
*** *** *** ***
*** *** ***
*** *** ***
Please accept our apologies for the misunderstandings and your
inconvenience
Our goal at Nationwide is to provide you with the best possible Homeowners coverage for your premium dollar. To assist us in doing so, we use an inspection company to follow through with an on site review.
The goal of the review is twofold. One, to review your home to determine if the coverage you have today is proper for your home Second, to determine if conditions exist that may cause or exaggerate losses to your property, or injury to family members or visitors
During the review, questions are asked to ensure proper coverage. It is apparent there was a misunderstanding during your review. Once we were made aware of the misunderstanding and incorrect information, we made the correction to your policy. However, the correction was not made within your expectations.
We provided coverage on your dwelling from April 26, until the date you requested cancellation, July 14, Your desired settlement is to receive a full refund of the premium paid for this coverage and without a lapse in coverage. Unfortunately we are unable to grant your request of a full refund.
During the misunderstanding, we remained accountable to uphold our contract obligations. Because of our contract obligations, we are unable to refund any premium. If a covered loss had occurred, we would have remained accountable for providing coverage and payment for the loss
Again, we apologize for the misunderstanding and inconvenience
Sincerely,
*** ***
*** *** *** ***
NATIONWIDE MUTUAL FIRE INSURANCE COMPANY

*** *** ***
*** *** *** *** *** *** **
*** ***
*** *** *** * *** *** *** *** ***
*** *** ***
*** ** *** ***
This letter is in response to the complainants concern
about the denial of her claim resulting from an automobile accident on 5/5/
Please find enclosed a transcribed copy of the recorded interviews taken from both the complainant and our policyholder as well as a letter from the State Highway Administration confirming that the lights at the intersection were not functioning properly at the time of this loss and would have been in flashing mode
Our investigation determined that our insured, *** ***, was traveling on *** ***She confirms the traffic signal was not working properly and all lights were flashing, which would have made the intersection an area of caution*** *** states she stopped at the flashing red light allowing other vehicles to enter the intersectionWhen it was her turn to proceed, she did so and was struck by *** ***'s vehicle
*** *** reports in her recorded interview that her light was green at the time she approached the intersection and therefore she proceeded without slowing and hit *** ***' vehicle on the left front bumper with her right bumper*** ***'s claim that she had a green light is not consistent with the letter *** *** provided from the state showing that the light was malfunctioning and was in the flashing mode which would have required her to slow before entering the intersection and proceed with caution
The *** *** County Police came to the scene and exchanged information but did not make a report
It was our determination that *** *** was negligent for failing to slow and proceed with caution before entering the intersection with a flashing yellow lightBased on the state of ***s law of contributory negligence, which bars recovery from anyone who contributes in any way to a loss, we denied *** ***'s claim
We hope this answers any questions you may have regarding our handling of this matterIf you should have additional questions, please feel free to contact me at the telephone number or email below
Sincerely,
*** ***
*** ***
Nationwide Insurance
###-###-####
***

*** ** ***
*** *** *** ** *** ***
*** *** ***
*** *** ***
*** *** *** ***
*** *** ***
*** ***
Thank you for your recent inquiry regarding a complaint you received from *** ***As Material Damage Claims
Director, I have reviewed this claim file and would like to address *** ***’s concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know
*** *** reported a vehicle theft claim to Nationwide Affinity Insurance on May 19, The claims associate made contact with *** *** on May 23, and a recorded statement was takenThe claim was assigned to our Special Investigator for further investigation of inconsistencies within the statementThe vehicle was recovered, found wreckedA vehicle inspection was then conducted
On June 6, 2014, it was determined to hire a column analysis expert to determine if the ignition was compromised, since *** *** had the one and only key to the vehicle in his possession
On June 16, 2014, Nationwide Affinity Insurance Co of America received the ignition analysis reportThe findings were that the ignition was not defeated and a key was used to move the vehicle from the loss location to its final recovery place
On June 25, 2014, Nationwide Affinity Insurance Co of America received the *** *** State Highway Patrol report stating no theft of vehicle report was takenThe claims associate contacted *** *** and offered to pay the claim under Collision, since no theft report was on file*** *** refused, stating the vehicle was stolen
On June 26, 2014, a file conference was conducted with the claims associate, the special investigator and our Regional General CounselIt was determined to move forward with an Examination under Oath
The Examination under Oath was conducted on July 16, At this time, *** *** was again advised of his collision coverage and the claim could be transferred to collision*** *** refused
On August 19, 2014, another file conference was conducted and it was determined to deny the claim based on the facts do not support a vehicle theft loss
The claims associate contacted *** *** on August 25, 2014, after several attemptsThe Claims associate advised *** *** a decision to deny his claim, based on facts don’t support a theft loss, were discussedThe claims associate advised *** *** that a denial letter would be mailed regular and certified mail
Based on my review, this claim has been properly handledWe strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to call me
Sincerely,
*** ** ***
*** *** *** * *** ***
Nationwide Affinity Insurance Co of America
###-###-####
***

*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** *** ***
***
*** ***
*** *** ***
This letter is in response to the complaint filed with your agency by *** *** regarding her automobile policy. Our records indicate the policy was a semi-annual policy that renewed on March 29, 2009, and cancelled for nonpayment of premium effective May 25, 2009. The policy billed on an installment account with payment due on the 29th of each month
Attached please find copies of the bill due on April 29, 2009, the Notice of Cancellation, and the final bill. The balance due of $reflects premium owed up until the cancellation date of May 25, 2009. Nationwide was unable to locate documentation showing coverage was obtained with another carrier prior to May 25, 2009. I would be glad to adjust the balance due if proof of alternate coverage is received
If you should have any other requests or questions regarding this matter, please contact *** *** at ###-###-####, ext########
Sincerely,
*** ***
*** *** * Customer Resolution and Response
Nationwide Insurance Companies

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As requested, I am providing a written summary of Nationwide’s position in regards
to *** ***’s tenant policy
On April 14, 2014, *** *** purchased a *** *** tenant policy at Nationwide.comThe policy was requested with an effective date of April 14, On May 1, 2014, *** *** contacted Nationwide Direct to have the tenant policy cancelled. He had purchased a home and obtained insurance through another carrier. A cancellation request form was sent to *** *** via fax to sign and return. It was confirmed that *** *** signed and returned the cancellation request form. During processing of the cancellation, it was discovered that the incorrect policy number was entered on the cancellation form; therefore, the tenant policy was not cancelled. In reviewing the files, this was a company errorThe cancellation form was sent to *** *** with his North Carolina automobile policy number on it instead of the *** *** tenant policy number.
MrWhitney submitted documents indicating that he obtained insurance through another carrier effective April 24, 2014. Therefore, we have adjusted the cancellation date on the *** *** tenant policy to April 24, 2014. A refund check in the amount $is being mailed to *** ***. We have also notified Credit Collection Services of this error and the balance has been cleared with them
We sincerely apologize for the inconvenience *** *** experienced.
If you require further assistance, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or by email at ***
Sincerely,
*** ***
*** *** *** *** * *** ***
Nationwide Insurance Company
Phone: ###-###-####
Fax#: ###-###-####
Email: ***

I am rejecting this because the main issue is NOT addressedMy son *** has a restriction on his license making it illegal for him to drive ANY vehicle other than a Fleet vehicleHis address had currently been changed to my secondary residence Restriction under ***DMV only allows fleet vehicles to be driven by *** Restriction information was faxed to Nationwide twice but the underwriter is not addressing this Restriction will be lifted when *** either gets his own insurance or we (his parents) choose to place him on our policyCurrently we choose to keep the restriction that makes it illegal for *** to driveWill the underwriter phase address the restriction?
Regards,
*** *** ***