American Plumbing Contractors, Inc.

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Nationwide did no resolving as far as insurance complaintMy request was for Nationwide to let me pay insurance bill in payments, as quoted with agentDue to service center and no communication with agent, change was made without agent being informedTherefore, I (consumer) was misinformedYes, I got a callfrom a Nationwide employee that tried to justify Nationwide mistake

*** *** called to arrange to come to the house He wanted to be here for excavation of basement I asked him to come before basement was excavated to see damage uncovered by a tree limb impacting house That I was told to leave tree limb in place, and that would not be possible if excavation began
*** *** came to house on September at 1:p.m With him was *** *** from *** *** (a structural engineer) I was expected to show *** *** and *** *** around property on crutches with leg braced as they had difficulty orienting themselves to compass directions (there are only two windows at the rear of my house / east) They seemed to intentionally cause me to be repeatedly be on my feet even though I identified this as being a difficulty
They at no time commented about how certain damage may or may not be covered *** *** stated in his last response that he was "bringing my policy for discussion (I'm paraphrasing here as I am very pressed for time), and I do not recall *** *** carrying anything like a briefcase or papers However, I will check my video surveillance of that time and date, and print a photo of *** *** to clearly determine if he had anything in hand for discussion purposes with me I am stating here that he at no time commented except to be shown directions, and to the best of my knowledge, did not "bring anything" with him
*** *** did carry a large tool bag loaded with camera equipment most of which seemed not to work I did already report to the State of *** Regulatory Commission that *** *** did activate a laser level without warning, and did shine that laser directly into my left eye Had I been given a choice, I would have chosen to not be in the room with any laser equipment due to disability and health concerns *** *** did take photographs, and repeatedly ask for directions If I told him something was feet from the house, he needed me to show him how far was feet I believe they were at my home for hours, or near that amount of time I did receive a phone call at 3:p.mthat day from the City of *** and remember the Nationwide reps just leaving
The only words spoken to me by *** *** were, upon leaving: "you understand we will not cover any damage caused by flooding" I was later told by Nationwide Advocate* *** ***, that *** *** reported that I "refused" to go over policy provisions I asked both men to sit in my dining room where I had a copy of my policy, and they declined I repeated throughout their visit that this time on my leg was a terrible strain to me, and , yet, I was continually called to my feet to show "which way"
I did not understand *** ***'s parting comment as I am really unable to stand for more than minutes even with my crutches and brace I get a fever spike from the pain and pressure His parting words: "we will not cover...for flooding"
While it was explained to *** *** and *** *** that the alley and back yard near my structure were flooded for hours, that I could not figure out how the water came into the house When the tree limb was discovered wedged behind a bush and flower bed which had outgrown themselves after the storm, the part about wind pushing hail through cracks made by impact of tree limb made sense to me, but *** *** did not comment.
When *** *** left, I wasn't altogether certain what he was talking about Did he just mean the water coming through the side door?
In order for water to flood through my side door, the water in the street in front of me would have had to be feet high If the water in the street had been feet high, every house on the block would have been flooded I spoke to several engineers on this matter after Nationwide visited me on the 23, and all provided the same conclusion I was told that the water which had pooled in the alleyway must have been blown by the wind to my side door I did report to *** *** and *** *** that the wind blew from south to north for one hour from 7:p.mto 8:p.m., and that while the hail was hitting the side of the house like bullets that this water flowed or flooded in through my side door
I did then also report that at approximately 8:p.m., that the direction of wind changed, and began blowing from the east to the west with hail hitting my storm shutters like bullets That within minutes of this wind change, I heard a loud bang, and the house shook I checked for glass damage, and found none That after a period of time, I heard another bang I later discovered my basement window well to be collapsed into the copper pipes of my laundry basin
So far, Nationwide has wanted me to believe that my extensive damage all came from the pool of water which drove through my side door, tearing off the bottom weatherstripping, and pooled around my mechanics and floor sewer drain Most of my damage occurred above level of the foundation, but the first two adjusters wanted me to believe that water went up the slope grade of my basement floor, and was wicked to the first floor of the house
I anxiously await the report from September I still have hope that Nationwide will be fair to me However, after living in an unfit house for weeks, I have my doubts
I did contact *** *** and *** *** *** today because the basement was excavated There is a fissure running from the top to bottom of the basement wall where the electric panel got saturated It is a few inches to the right of where the brick was cracked, and mortar knocked out of exterior wall and condenser cabling (inspected by *** from *** *** on June 20, 2014) There is an unlevel portion to the brick exterior house (first floor) where the tree limb struck (it bows inward) and knocked out mortar The orchid wall of the first floor bedroom has discolored yellow around the window where exterior mortar was knocked out I do not know if the fissure in the foundation was caused at the time of impact, or occurred because of the moisture which remained in this wall for weeks following the storm event
Anyway, I did leave voice messages that this fissure was discovered through excavation, and asked if *** *** wanted to return to see it before it was repaired *** *** returned my call, and left a voice message that "I was at your house with *** ***, the structural engineer, a week ago".
I did not respond to this correspondence sooner, as my AT&T service had been damaged since August I only received this Revdex.com response today A crew just came out on September to make the repair after I completely lost service, and *** *** and *** *** were shown the damaged box (impacted by tree limb / cables behind property damaged since August 11) I did tell *** *** and *** *** that AT&T would provide the details, but that they needed to contact They made no comment, and barely examined the box
When *** *** was leaving, I asked him if any wording of my policy will cover my damages, and I was told, "you will have to wait for *** *** to develop his pictures".
I was also told that I would receive a detailed report, and pictures of my damage If I am treated fairly, I will withdraw my complaint However, I want my eye examined!
Regards,
*** ***

Nationwide has not provided a reasonable backup to their calculation as to why my vehicle has only been diminished $ Proper backup to their offer will include detailed historical data, calculations based on my vehicle condition, etc I have received the appropriate backup from (2) industry experts showing my vehicle has been diminished in value nearly times the dollar amount being currently offered My diminished value claim is based on receiving a diminished value amount from a highly certified appraisal company in Auto Appraisal Group which provides auto appraisals to groups such as the National Corvette Museum If Nationwide feels their is a factual error in my diminished value appraisal, please bring this to my attention as it has been expertly established and notarized as requested.
Regards,
*** * ***

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This communication is in response to a recent inquiry from *** ***
*** regarding the outstanding balance on his former Nationwide automobile insurance policyWe have completed a review of the policy in response to this inquiry
Our records indicate that coverage was written on November 10, The policy was reviewed at that time to ensure consistency with rules and rates filed with the *** Department of InsuranceWe identified that no spousal information was provided at the time of inception
Spouses are required to be rated on the policy or excluded if they have never been licensed or their license has been relinquished for medical reasonAs such, a notice of cancellation due to no spousal information was sent on January 10, with a cancellation date of January 24, (copy enclosed)
The policy cancelled effective January 24, The premium due for the coverage time period of November 10, to January 24, was $plus installment fees of $for a total of $A total of $was received in payments resulting in an outstanding balance of $A balance due bill for the $was sent on January 14, (copy enclosed)
We appreciate the opportunity to respond to this inquiry from *** ***If you have any additional questions regarding this matter, please contact *** *** in our Underwriting Department at ###-###-####, Ext ######
Sincerely,
*** ** ***
***
*** *** *** ***
Central Plains Region

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We have reviewed the inquiry from *** *** ***
***’s inquiry is regarding premium increases on her auto policyHer auto policy was originally effective with our company on January 15,
At the time *** ***’s policy was written, she had requested lower Uninsured Motorists Property Damage limits, (UMPD)A completed rejection/selection form (attached) was required to be completed and returned to the Company before this change could be completed
This form was not received, and as such, the UMPD limits were raised to match the policy limits pursuant to *** lawThis change effective January 24, caused an increase in premium of $
After *** ***’s auto policy was issued, her independent insurance agent requested $5,of medical payment coverage to be added to her policyThis change effective January 15, created an increase in premium of $
If *** *** would like to lower her UMPD limits, we ask that she submit a completed rejection/selection form (attached) and return it to our companyOnce the form is received, we can amend her policy per her request
Additionally, *** ***’s auto policy is a 6-month policyHer policy renewed on July 15, 2014, the renewal premium was $Her renewal policy was affected by a *** auto base rate changeThe difference of her old policy term and renewal policy term is $
We appreciate the opportunity to review *** ***’s auto policy and ensure the procedures were in accordance with *** lawPlease feel free to contact me if there are additional questions
Allied Insurance, *** *** *** *** *** *** *** *** ***
Sincerely,
*** ***
*** ***
Allied Insurance, a member of Nationwide Insurance
###-###-####
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*** *** *** ***
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This letter is in response to your inquiry dated July 30, regarding the cancellation of *** ***’s auto policy.
On July 28, the policy was rejected for insufficient proof of prior insurance for the dates of December 12, to May 02, 2014.
Review of our records shows *** *** contacted our Service Department on multiple occasions and was advised to provide proof of prior insurance from November 2, to May 2, 2014; to prevent her policy from being company cancelled effective July 28,
*** *** provided documentation which was forwarded to our Underwriting Department for review to determine if it was sufficient to retain her policy. However, on July 30, 2014, the policy was company cancelled effective July 28, due to *** *** not providing proof of continuous coverage from November 2, to May 2, 2014.
The Service Department was not advised whether or not the documentation received was sufficient to retain the policy, prior to the policy being cancelled.
I apologize for the poor time service and for any inconvenience or frustration it may have caused *** ***.
She may contact agent *** *** at ###-###-#### to discuss her coverage options
Sincerely,
*** * *** ***
*** *** ***
###-###-####
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To Whom It May Concern:
Thank you for your recent inquiry regarding a complaint you received from *** ***As Customer Advocacy Complaint Coordinator, I have compiled the responses of *** *** *** *** *** *** *** *** *** *** *** and ***
*** *** *** * *** ***If we do not provide the information you need for this matter, please do not hesitate to contact the appropriate Nationwide representative mentioned below
*** *** was issued a personal lines auto policy
The concern regarding loss adjustment
*** *** *** ***
An unlisted driver on the policy, *** ***, was involved in an auto accident on December 25, in which the Honda CR-V we insure was damaged to the point it was considered a total lossOur adjustor, *** ***, received the file on December and worked with the policyholder to resolve the claim
*** *** extended the following settlement to *** *** on January 7, 2014:
Actual Cash Value = $4,
Sales Tax 6.00% + $
Tag/Title Fee + $
Subtotal = $4,
Deductible - $
Net Settlement = $4,
This settlement was accepted and payment was made to *** *** on January This check has cleared
The concern regarding the deductible
*** *** *** ***
As indicated above, *** ***’s deductible applied to the settlement was $due to the vanishing deductible endorsement on her policyOn August 7, *** *** mailed *** *** a check for the full $deductibleThis check has also cleared
The concern regarding the agent’s handling of the policy
*** *** *** *** *** *** ***
In speaking with the primary agent of record, *** ***, here is the information with which he responded
We have made several attempts to discuss *** ***'s payments and concerns with herOn several occasions, we have confirmed the accuracy of her billing with Customer ServiceAssociate Agent *** *** left a voice mail on her answering system, while customer service was on the line, for them to explain billing to herWhen there was no answer, a voice mail was left to call billing to confirm what has been explained to her
According to our confirmation with billing, her payments have been lateWe have pulled billing and confirmed with her checksIt appears the dates on her checks are earlier but it is not for the current bill; customer service explains she is paying past due billingWe have sent our client copies direct from customer service's payment historyAt one point we received a call from *** Bank saying that there was a bank error concerning her accountOur system was charging her two months for the Bad Check plus a Reinstatement FeeThe bank has issued a letter of the error to NationwideWe needed to reinstate the policy for what she paid and waive the Reinstatement fee
The member asked agent *** *** to change her billing account numbers which he did as she requested, however, he states that at no point in time did she ask him to rewrite her policy
The concern regarding the cancellations
*** *** *** *** * *** ***
In regards to both Auto and Home, the policies were cancelled effective July 17, due to Bad CheckHowever, both policies were reversed with no lapse in coverage due to receiving a letter from *** Bank that there was fraudulent activity on the bank account
Attached you will find a premium breakdown for both auto and home, along with a billing history and distribution of all funds received
Thank you for bringing these concerns to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call B*** ***, *** ** *** *** *** *** at ###-###-#### or email her at ***
Sincerely,
*** ***
*** *** *** ***
Nationwide Insurance Company
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*** *** should be in receipt of both my complaints to the State of *** Department of Insurance and Financial Services, and complaints to the Attorney General In both complaints, I did include many full color, before and after photographs of my property I did also include an inspection report (also with full color pictures) of the complete exterior of my home taken on January 25, by the Rapid Survey Group on behalf of Nationwide Insurance On January 25, the pictures determine a well maintained home (as I have been stating) that Nationwide agreed to insure for $200,structure, and $140,contents This amount, after inspection, was increased from the amount of $154,for structure and $108,contents There is, in this inspection report, a full color photograph of the exterior wall prior to sustained damage on August 11,
On October 8, 2014, I did receive another denial of claim from *** *** In the report attached to this denial, such things as property maintenance and age of structure are made an issue There was no issue with my property maintenance or age on January 25, 2011, or in the appraisal pictures taken of my property on June 30,
Also brought to issue in *** *** and *** ***'s report is that there should be scarring to this exterior brick wall There is multiple scarring of the brick on this wall which is clearly evident in the close up pictures I took I would like to direct *** ***'s attention to of of *** ***'s report pictures You can see in the picture taken by Adjuster *** on August 14, the actual green of the tree branch below the north east rear window of the house (top picture on page) The bottom picture does not zoom close enough to see that nearly every brick is scarred by the impact of this branch *** *** mentions in his written report (page of 8) that "a small tree branch will typically leave a trail of fibers on the brick and joints" My pictures show just such a trail of fibers *** *** states the foot branch was light enough to lift out the way I saw two people lift the branch to swivel it out the way...not lift
Furthermore, The impact to the house was great enough to knock the AT&T box, installed in August when I switched service, right off the house *** *** did not take a picture of this box that the AT&T technician left atop the air-conditioning condenser so that I could show and explain to insurance adjusters just how hard the house was impacted I do have a picture of it I did notify *** *** that at the beginning of the excavation, it was found that the low voltage conduit (located to the right of the basement window on page of of *** ***'s report) was also knocked from it's underground piping It was further explained to *** *** and *** *** that a portion of the tree branch (pictured on page of 16) was split away from what was left, and had been discarded before I knew the remainder was lodged into the house
*** *** repeatedly makes reference that I "altered evidence" I did repeatedly explain what had been remedied due to policy wording that states the homeowner's responsibility in securing the structure I spent thousands of dollars attempting to prevent further damage to my home and contents Three contractors, and many observers of my situation (some of them, engineers) all came to a conclusion opposite of *** ***'s Those conclusions were all identical That water entered through the crack in the exterior wall, saturated the interior from the first floor window to the electric panel below, saturated the cinder block (interior of foundation wall), and that this saturation caused the bow in the rear basement wall.
*** ***'s report (page of 8) that the bow in the "block walls likely existed prior to the placement of the glaze tiles" is ridiculous My father was a chemical engineer, and builder His one brother was a builder who taught drafting at *** *** *** ***l until age His other brother was an international authority of Baroque Art and the designer for *** *** and the *** *** He did not have a house built with bowed walls But, all that aside, now that the interior mortar joints have been removed, and the foundation excavated, that cinder block between the glazed tile and exterior parging finish to the cinder block has caused the saturated cinder block to dry out, and the wall has corrected itself Three different contractors told me this would happen, and it happened
The bow is gone due to over $10,in materials and labor When *** *** and *** *** visited the property, the entire area surrounding this glazed brick (structural stone) was tarped off with heavy plastic All of the mortar joints had been ground out, and the area was still in process of drying out I "altered evidence" to prevent further damage to my home For one summer month where there was no hot water in this house, and no mechanics (air-conditioning, laundry), this saturated back wall became worse each day *** *** refers to pictures taken by Adjuster *** on August The damage of water saturating through mortar joints had just begun The water from the above foundation crack was in the wall, and spreading down and through the mortar joints each day.
*** *** notes on page of of his written report that the house is "comprised of load bearing wood frame walls" The area he observed was tarped Heavy plastic was stapled to the walls and ceiling to prevent dust from entering the rest of the house What could not be seen because of these tarps was the steel beam construction otherwise visable in the ceiling of this area What also was not visible is the buckled floor board above which is below the damaged window on the first floor I did do my best to point out the location of these items when *** *** activated his laser level without warning, saying "oops" He did shine it into my left eye I have several handicaps, and would have wanted to get out of the area completely *** *** seems to be under the impression that I can walk through heavy gage plastic which was both stapled and taped into place *** *** did block the only entry and exit to this area while the laser level was being directed every which way by *** ***
After exiting the tarped area, I did direct *** ***'s attention to the buckled portion of the tongue and groove ceiling installed in 2013, and the drywall which was ready for priming *** *** notes in his report that the ceiling was primed, and misunderstood the discoloration to be some kind of water damage It was sheet rock work, *** ***...not water spots It is true that this buckling and cracking were not present at the original inspection *** *** points out in his report something about the whole house needing to shift for this cracking to occur Again, contractors, and other observers of this buckling and cracking got it The moisture of this rear wall caused this basement to be nearly degrees on some very hot summer days following the storm event I explained to *** *** and *** *** that I was pouring out pints an hour from the humidifier on the first floor alone while the basement humidifier (which burnt out) was piped directly into the floor drain These humidifiers were needed to run continuously for a month following the storm event The buckled and cracked ceiling, the bowed wall leading into the basement, were all caused, and then further exacerbated as this tremendous humidity persisted *** *** refused to photograph the buckled portion of tongue and groove cedar ceiling My photographs demonstrate a slight buckling after a week, and then a more significant buckling after a month of steady humidity
*** *** states in his written denial letter that he did not see the mold that broke out on the section of wall above the glazed brick I have clear pictures of the mold which broke out the day after hydraulic cement was applied to the wall It broke out on fresh cement because the humidity was so high At his September inspection, the mold is covered in dust, but very visible in *** ***'s pictures (bottom picture page of 15) The discoloration at the bottom of the gray section is mold, *** ***, and it broke out all along the bottom portion of the newly applied hydraulic cement used to dry the wall It is also above grade of the house foundation so it did not come from a sewer I did point it out to you
*** *** writes in his report that I was "trapped in my house for hours" (page of written report) It was hours, and it was because I could not walk through the water in the center of my yard to get to my garage There was no water up to the house The side alleyway, which is my paved driving access to the garage, was also "flooded"
On page of of *** ***'s written report he talks about "age and deterioration of the house" in connection with the missing mortar of the exterior wall Again, pictures taken on January 25, 2011; pictures taken on June 30, show no such "age and deterioration" I have all my caulking and mortar inspected every year However, I did further point out to *** *** and *** ***, that the furnace installer inspects my mechanics twice yearly That on June 20, 2014, that the entire compressor unit and cabling (inside and out) were inspected thoroughly After the tree limb impacted my house, the mortar was missing from the area where the condenser cabling enters the house This condenser was installed in Why would four year old mortar just fall out the wall in line with other mortar that just fell out the wall? "Age and deterioration"?!
On pages of and of of *** ***'s written report he talks about the soil at the back of the house I did explain and show receipt for over a thousand dollars that I had a licensed landscaping company remove the landscaping from the rear of the house on September I did state that among other things, new landscaping and a thirty year old Japanese Maple (visible on page of top very center of photo) were removed to prepare for excavation That brush was shredded and left at the corner of this planting strip to be placed later into my composter That a small trench was dug along back of house to see if there were any further clues as to why this damage had happened *** *** goes on at some length on pages and of about this supposed "grading", and how it could cause future damage Calling a demolition site a potential for "long term lateral soil damage" *** *** and *** *** seemed unable to understand very little of what I explained to them even though I had pictures which clearly showed the steps of each process The landscape had been demolished A pile of soil was left to be added to a composter in a different section of the property.
*** *** notes ""A horizontal crack was observed in the masonry foundation wall above the glazed tile veneer" (page of written report) There were absolutely no horizontal cracks in this area All of the cracks above the glazed brick (*** *** should know this is called structural stone and it is used in the building of large structures like schools, apartment buildings, and hospitals), are vertical The cracks to the mortar joints were horizontal which demonstrates a descending pattern of water flow.
I have logged thousands of phone minutes, hundreds of internet minutes, hundreds of dollars copying reports with pictures, and no-one I have spoken to from Nationwide understands anything However, every contractor, every regulatory agency, everyone else who has viewed this property comes to the conclusions I have stated here without any prompting from me Nationwide has failed to provide me with an adjuster capable of seeing what happened to my home they sent a "structural engineer" to the house that had the continence of a child, and who does not know the words for any building materials or procedures Neither of these men could grasp the concept that water entered through a crack of a well maintained home, and saturated the foundation
*** *** has repeatedly cited policy wording that excludes my claim while ignoring policy wording that might have granted my claim, and helped my situation be less desperate
Again, I will repeat, I showed you a picture on my cell phone taken the day when Adjuster *** inspected This picture shows me lifting the entire window well (stone sill and connected structural stone) with a putty knife this was done to show Adjuster *** that the window well had collapsed, was pushed back into place, but was completely detached If I had allowed it to remain rested against the laundry basin piping, it would have fallen causing damage to both the sill material, structural stone attached, and the slate floor below It may also have caused damage to my new copper plumbing installed throughout the house by a licensed plumber less that ten years ago My policy coverage covers HO3, Section Collapse...a.) with respect to additional coverage 1.) Collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its current intended purposes I could not occupy or utilize my laundry area with hundreds of pounds of unsecured stone overhead It had to be temporarily secured prior to your inspection, and was not permanently installed until after your inspection
I was directed by Nationwide that I might have decay hidden from view when I reported this window well collapsing. So I had three foundation specialists out to the house They all recommended excavation Nationwide also directed me to excavate, and you did, in fact, *** ***, want to co-ordinate with this inspection on a date when the excavation team came here I did beg you to come before hand as these repairs have become extremely costly, and a structural engineer should have understood the dynamic involved
I did also lose an underground pipe for my low voltage wiring to garage, at the time of this collapse and have coverage under the same HO3, Section 8 c.) Loss to an awning, fence, patio, deck, pavement, swimming pool, UNDERGROUND PIPE
Under HOBCoverage C - Personal Property We insure for direct physical loss to the property described in Coverage C caused by any of the following perils unless the loss is excluded in SECTION I - EXCLUSIONSWindstorm or Hail This peril does not include loss to the property contained in the building caused by rain, snow, sleet, sand or dust unless the direct force of wind or hail damages the building causing an opening in a roof or wall and the rain, snow, sleet or dust enters through this opening This peril includes loss to watercraft and their trailers, furnishings, equipment, and outboard engines or motors, only while inside a fully enclosed building
*** ***, while calling my property damage an effect of "age and deterioration" you are not only calling your own Rapid Survey Group a liar, you are calling me a liar You have not acted fairly with me for two months now You, and *** *** did both talk about how long it would take him to drive home to Owosso, develop his pictures, and send them to you to make your report You told me you would not have those pictures for at least ten days I have reported this incident as it has uncovered itself with as much calm as a person in great shock and under great duress can handle You have ignored the points I have brought forward You have ignored my photographs, my explanations, my inquiries, my information, and every detail of what has happened to my home Nationwide has acted in bad faith with me by sending representatives to my home who are incapable of assessing the true situation
My entire point about you and your leather binder is that you made no effort to discuss my policy Did further tell me you would not know about my policy until pictures became available If you did discuss only the Sewer BaRider, then why didn't you just do that over the phone Why did you come to my home, take pictures, shine a laser level into my eye, parade about my property like you had never seen a house before, look about the neighborhood to try to determine "what type of tree branch is this?", and provide me with a mock up report that falls short of demonstrating a knowledge of engineering? You have refused me coverage based on refusing me coverage I do not accept what you have done to me, and will continue my efforts to be heard Five agencies have received my photographs They were shown to you and *** ***, and ignored
The August storm was not just a rain event There were tremendous winds and hail I have coverage for what happened here You have denied me my rights as a policy holderYou have denied me my rights to Subrogation for those parts of my claim that had to do with damage to the walkways in my yard from the neighbor re-grading, and flooding my yard For the alley water build up that wind blew through the side door of my home You keep claiming that Sewer Bais the only coverage available to me under the terms of my policy, and fail completely at showing me, or anyone else, where that is stated.
I did contact the Revdex.com of Central Ohio to get a response from the headquarters for Nationwide Instead, I have gotten the same simple response from you when you are based in Michigan I want a response to this entire inquiry from the Nationwide Headquarters My complaints against you and your treatment have been filed in *** where you are located
Regards,
*** ***

I had Insurance with *** *** at the timeI do not own a gmc sonomaI do not need two insurance coverages on the same vehicleI cancelled the nationwide insuranceI ALWAYS pay my vehicle insurance in fullI am unable to view the bill attached to thisAugust of is the first time I received a bill or heard anything about Insurance with NationwideI faxed proof of my insurance coverage with *** *** to ###-###-####
Regards,
*** ***

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Thank you for your recent inquiry regarding a complaint you received from
*** ***As Central Sales Operation Support Manager, I have reviewed this 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
The above referenced policy’s billing account was initially set on a monthly basis with a set due date and amountInsured, *** ***, opted to apply payments that exceeded the minimum amount dueThis option created variances in the stated amount due date and amountWith multiple changes made to the policy, processing time became a factor in the agent’s communication with *** ***A warning notice was sent to *** ***, at the verified address, on July 8, stated the correct amount; due no later than July 25, 2014, to prevent a lapse of coverage
As of August 1, 2014, *** *** has made remitted payment to the above referenced policy and coverage as been reinstated without a lapse
The Bleggi Agency, per Agent Susie Kellum, has corrected the billing account to prevent this service issue from reoccurring
Based on my review, this inquiry was properly handledHowever, I am sorry that the outcome was not satisfactory to *** ***We strive to meet 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 contact me
Sincerely,
*** ** ***
Centralized Sales Operation Support
W| ###-###-####
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This letter is in response to the concerns filed by ***
*** regarding the collection amount due on this policy
In review of the policy, on July 9, the automatic payment was declined for the July installment billingOn July 19, a Notice of Cancellation was sent indicating the payment was declined and that $must be paid by July 30, or the policy would cancel July 31, (attached)The last payment received on this account was on June 10, Payment was not received which caused the policy to cancelOn August 5, a balance due notification was sent indicating that the policy had cancelled and $was due for coverages provided through the cancellation date (attached)It indicated if not paid by the listed August 24, due date the account would be referred to an agency for collectionsAs payment was not received, the amount was reported to NCO collections
Nationwide recently stopped utilizing NCO for collections and transferred all open accounts to CCS collectionsCCS collections has been sending letters to cancelled member’s indicating there is still an open delinquent account and that CCS is now handling the collection balanceThis is a valid amount due and can not be waived or removed from collection activity*** *** can contact CCS directly at ###-###-#### to make a payment and review any credit reporting as Nationwide does not report directly to the credit bureauWe sincerely apologize if the letter from CCS caused any confusion with the outstanding balance due
If you should have any other requests or questions regarding this matter, please contact *** *** at ###-###-####, Ext#####
Sincerely,
*** ***
*** ***
Customer Resolution and Response Department
Nationwide Insurance Companies

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*** *** *** *** This letter is in response to the complaint filed with your agency by *** *** regarding his automobile policy. Our records indicate the policy renewed effective October 13, 2013, with a semi-annual premium amount of $647.54. The policy billed on an installment account with payments automatically charged to a bank card on the 13th of each month
The payment dated February 13, 2014, for $was declined by the policyholder’s financial institution. Nationwide added a returned item fee of $to the policy and issued notification of the returned item on February 21, 2014. The notice indicated the amount of $must be received by March 9, 2014, to avoid cancellation
The policy cancelled effective March 10, 2014, due to non-payment of premium. Nationwide issued a final bill for premium up until the cancellation date on March 13, 2014. Attached please find copies of the February bill, the Notice of Cancellation, and the final bill
The policyholder called the Customer Service Center on April 17, and was advised that the policy could not be reinstated due to a lapse in coverage exceeding days. The policyholder was advised of the balance due on the policy and he indicated he would mail a check to Nationwide for the payment. Nationwide has no record of receipt of the payment and the balance due transferred to a third party for collection
If you should have any other requests or questions regarding this matter, please contact *** *** at ###-###-####, ext####
Sincerely,
*** ***
*** *** * *** *** *** ***
Nationwide Insurance Companies

DEAR SIRS: PLEASE BE ADVISED THIS REPLY IS TOTALLY BOGUS THE ADJUSTER MAKES IT LOOK LIKE WE DID NOT RESPOND TO HER PHONE MESSAGES WHEN THE EXACT OPPOSITE IS TRUE YOU CAN CONTACT ALL THE WITNESSES AND THEY WILL HAVE THE SAME ANSWER PHONE MESSAGES TO HER WERE NOT RETURNED AND WHEN FIRM APPPONTMENTS WERE MADE TO TALK TO THE WITNESSES THE CLAIM ADJUSTOR DID NOT FOLLOW THROUGH THERE IS A PAPER TRAIL FOR ALL OF MY STATEMENTS!!!!!.....Best Regards...*** *** #############

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This is in response to your August 29,
correspondence concerning the above captioned claim
A review of our file indicates that this loss was reported to Scottsdale Insurance Company on January 17, It was alleged that the claimants’ vehicles were damaged as the result of our fireworks show on July 4,
Our claim representative investigated the matter, speaking with our insured, the claimants, and body shopsWe did not find evidence of liability on the part of our insured, and issued a denial of liability to the claimants on April 11, On May 9, 2014, *** *** responded in writing with concerns about our investigation and outlined the parties he had contacted, including his body shop and the Sheriff’s departmentOur claim representative attempted to contact *** *** by telephone to discuss, but he was not home and a message was left with *** ***We sent a response to his letter on May 22, confirming the parties that we had contacted in our investigation
On June 13, *** *** wrote us again, to provide witness information for statementsWe began attempts to obtain those statements via telephoneMultiple calls were made to, and voicemails received from, each of those parties from June through JulyDue to the difficulty we were having connecting with the witnesses by telephone, we hired an independent adjuster, *** *** *** to assist is in securing those statementsWe received their initial report on August 18, 2014, outlining the statements that they had secured
We are currently working to revisit this matter with our insured to confirm the operating guidelines for this fireworks showOnce we have had this follow up conversation with our insured, we will make our liability determination and respond to all claimants directly
We trust this explains our handling of this claim to dateHowever, should you have any questions or require further information please contact me; toll free ###-###-####, extension ####
Sincerely,
*** ***
*** *** ***
Extension ####

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I am in receipt of the additional response received regarding *** ***’s automobile policy
Review of our records shows *** ***’s policy was reinstated with no lapse effective July 25, *** ***’s policy is currently set up on a monthly payment plan which allows her to pay the term premium in monthly installments
*** ***’s automobile policy renewed effective August 23, at $1,
On August 5, 2014, a billing statement was issued for $due on August 28, The billed amount due of $was reduced to $226.95, due to a credit on the account of $
I apologize for any misinformation that may have been provided to *** *** and for any inconvenience or frustration it may have caused
If further assistance is needed in this matter, please contact me directly at ###-###-####
Sincerely,
*** ***
*** *** (Customer Resolution & Response Team)
Colonial County Mutual Insurance Company
Email: ***

I have reviewed the response made by the business in reference to complaint ID #####, and find that this resolution is satisfactory to me
Regards,
*** ***

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PLEASE BE ADVISED THE NUMEROUS PHONE CALLS ALLUDED TO BY THE INSURANCE COMPANY TO *** *** WERE TWO PHONE CALLS OVER A MONTH PERIOD I DIDNT GET THE FIRST PHONE CALL UNTIL I SENT TWO CERTIFIED REGISTERED RETURN RECEIPT LETTERS TO *** *** THE FIRST PHONE CALL WAS BASICALLY AN ATTEMPT BY *** *** TO CROSS EXAMINE ME ON THE PHONE AND BASICALLY IMPLY I WAS A LIAR BEST REGARDS AND PLEASE LET THIS GET RESOLVED IN A TIMELY FASHION .*** * *** CELL PHONE # ###-###-####

We were referred to your insurance company by the dealer we bought our camper from. You insured our camper on the spot. If you thought there was underlying damage, why did you insure us? Obviously neither we, nor the seller was aware of any underlying damage whatsoever. You chose to insure us, so we believe you should stand by that no matter what. We are retired after working our entire lives and trusted you would take care of our property, and we paid you for it! You have let us down, you have taken away our dream to enjoy our retirement. We have nothing fancy, just wanted to enjoy life. We are so disappointed that we, the customer, did not get the service we paid for. You insured us, then denied us coverage
Regards,
*** * *** ***

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This letter is in response to the complaint filed with your agency by Marlene Thomas regarding the balance due on her Automobile policy.
Our records indicate there was a bill sent for $due December 6, 2013. After no payment was received a Notice of Cancellation was sent for $(plus a $late fee) due December 28, or the policy would cancel effective December 29, for the Automobile policy. There was also a Notice of Cancellation sent for $due December 28, or the policy would cancel effective December 29, 2013. After no payments were received both policies were cancelled effective December 29, 2013.
The Automobile policy renewal date was May 27, 2013. The policy cancelled effective December 29, for non payment of premium. During the above time frame a total of $1,was charged for coverage provided. A total of $1,was received in payments and there were two $late fees and two $service fees charged
The total charged of $1,plus a total of $in fees minus a total of $1,paid equals a balance due of $417.92. The balance due of $is for coverage provided up to the cancellation date of December 29, 2013.
The payment MsThomas is referring to of $was received on November 5, and paid $on the Homeowners policy and the remaining credit of $was applied to the Automobile policy. This payment was figured in when the above calculations were done.
I have included the Notice of Cancellation for both the Automobile and Homeowners policy.
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext####
Sincerely,
*** ***
*** ***
CSSS Customer Resolution & Response
Nationwide Insurance Companies

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            [redacted]                 This is in response to your September 11, 2014 correspondence concerning the above captioned claim, and follows our initial response on September 3, 2014. 
Our records indicate that this claim was reported to Scottsdale Insurance Company on January 17, 2014.  It was alleged that the claimants’ vehicles were damaged as the result of our fireworks show on July 4, 2013.  
As we outlined in our previous response, we have secured statements from the witnesses provided by [redacted]. We have also have spoken with [redacted] on numerous occasions throughout our investigation. It was our understanding from speaking with him, that he was taking the lead on the claim for him and his wife, [redacted].  If [redacted] has a separate claim to present, we request that she contact our office to provide us with the details of her claimed damages.  
We are finalizing our investigation by working with our insured to obtain the operating guidelines for the fireworks show on July 4, 2013.  Once we have secured this information, we will be in a position to make our liability determination and will respond to all claimants directly.  
We trust this explains our handling of this claim to date. However, should you have any questions or require further information please contact me; toll free ###-###-####, extension ####
Sincerely, 
[redacted]
Extension ####