Ameriprise Auto & Home Insurance

They have the worst customer service and sales department I have ever spoken with. I asked to speak with a supervisor when I had a problem and was told that the supervisor can not help me. I asked for a supervisor to call me back and got a sales rep to call me back! I would not recommend this company to anyone!

Review: My home was involved in a total loss fire on 8-9-15. The insurance was not very informative. I emailed time after time, asking where we were with the inurance claim only to recieve a bland reply that he would email the investigators. This went on for weeks with no immediate answers or information about claim. I hired a lawyer to call in and speak with them so I could get more answers that I did not recieve from the company. I have complied with all the policy obligations and then some. I feel this company is acting in bad faith not processing my claim in a timely manner. After 4months, the investigations is not complete nor is the claim processed while everyone who works for the insurance company goes home at night to their home. Meanwhile Im still in tempory housing with no answers and a paid insurance policy who is giving no definate information about processing my claim.Desired Settlement: Would like claim processed immediately.

Business

Response:

Thank you for sending the complaint filed by Ms.[redacted], which we received on December 10, 2015. We understand that she feels there was a delay processing the claim. We appreciate the opportunity to address her concerns.We understand that the process of resolving the claim surrounding the fire at Ms. [redacted]’s home seems to be lengthy. However, our investigation into the loss revealed information that requires additional, extensive research. We have recently conducted examinations under oath of Ms. [redacted] and her brother, Justin [redacted], who is a resident of her home. We are also waiting to receive the reports of the investigations conducted by the local fire marshal and law enforcement agencies.We have kept Ms. [redacted] and/or her attorney regularly apprised of all developments. In the interim, we have paid Ms. [redacted] for damaged personal possessions as well as additional living expenses.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].

Review: I phoned Ameriprise to remove my daughter from my policy because she is no longer in my home. I was asked if she was more than 100 miles away from home and at college my response…YES

I have done this same practice several times over the past ten-years with no problem or hassle. My daughter was added in June I paid the required premium for adding her to the policy and was advise I could remove her when she moved out of the house.

My request to remove my daughter from my policy was denied when I called in August….... I explained she is not in my home and will not be driving.while away in college.

I was asked to send her rental agreement and my IRS tax paperwork to Ameriprise, if not I could EXCLUDE her from my policy indefinitely.

The supervisor and representative s[redacted]d Ameriprse would be held liable if my daughter had an car accident…how she is not driving and will no longer be associated with their company.

I remind the company I have done this practice for years and was never advised of a change in policy or provided with details that prevented me from removing my daughter from the policy.

How can I have insurance coverage on someone that is not in my home nor drive my vehiclesDesired Settlement: Resolution I was sent a form to exclude my daughter indefinitely or pay the excessive high insurance premium. There was an offer to decrease the additional premium of 1000.00 by 100.00

Status my daughter is active on the policy no resolution to this unfair treatment.

I feel Ameriprise is forcing me to commit insurance fraud

Supervisor as rude and unreasonable…their customer service was awful…..it took presenance for the rep to transfer to a supervior say the supervisor are too busy to take my call.

I have been with Ameriprise nearly 15years.policy I do not appreciate this treatment

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on August 28, 2015.We understand that she would like a detailed explanation surrounding the removal of her daughter fromthe policy. We appreciate the opportunity to address her concerns.On June 3, 2015, Ms. [redacted] called and added her daughter, [redacted], to the policy as a driver. We havereviewed our records and do not show that [redacted] has been listed as a driver on this policy prior to June 3,2015.On August 27, 2015, Ms. [redacted] requested the removal of Tier a from the policy because she was attendingschool more than 100 miles away from home. We explained that since [redacted] is a minor licensed driverwho is not insured with another company, she would be covered under our policy. At that time, we alsoupdated Ms. [redacted]'s policy to include the Student 100 Miles Away discount. Ms. [redacted] asked to have asupervisor call her; that same day, a supervisor called the home number on file and left a messageincluding her direct number for the return call.We consider the parents' home address as the permanent address of students who are away at school andresiding on campus. Therefore, we need to list students on their parents' automobile policy because weare liable for any accident in which students might become involved, and we need to collect theappropriate premium for that risk. Students are not required to be listed on their parents' policy only ifthey are truly and completely moved out of the home, have a permanent residence, and do not returnhome except to visit.For your reference, our Insured Person guideline [redacted] the following:We will pay damages for which an insured person is legally liable because of bodily injury or propertydamage resulting from the ownership, maintenance or use of a car or utility trailer. An insured personmeans: you or a relative; a person using your insured car. A relative is defined as a person living in yourhousehold and related to you by blood, marriage or adoption, including a ward or foster child.On several occasions, we offered Ms. [redacted] the option of completing a driver exclusion form that wouldexclude [redacted] from coverage under the policy - in fact we emailed the form to her on August 27, 2015.If Ms. [redacted] can provide documentation that [redacted] either permanently resides at a different residence orhas other auto insurance with Bodily Injury limits equal to Ms. [redacted]'s, we will consider removing herfrom the policy.

Review: In May of this year, my boyfriend and I bought a new house together. We allowed our movers to install our washer and dryer-and we didn't realize that we had left behind the hook part of the dryer hose. We normally wash and dry our clothes on gentle cycle, so it was never a problem. However, I decided to wash some towels on the normal cycle, which caused the drain hose to fall from the wall, draining the entirety of the washing machine into our hardwood floors. The laundry room in our house sits between the living room and a hallway with doors on each side. So, the water spread both ways and went through the wall into the garage (behind the laundry room). We got up all the water that we could, and I called Ameriprise the next day to file a claim. A few days later, and adjuster (who is independent) came out to inspect the damages, and a company was sent to dry the floor. The adjuster said that we should go ahead and get quotes from other companies to fix the flooring and an agreement would be made between us and Ameriprise regarding fixing the damages. Sounds easy enough? Well, no, of course. Two and a half weeks later after calling our adjuster (who works FOR Ameriprise this time) multiple times and finally breaking down and calling him every hour on the hour-we get a copy of the Adjuster's (independent) estimate-which equals out to be about $3,000 less than the floor estimates we had received. At this time, our adjuster from Ameriprise is Ryan Vannes. I am also told at this time that a check had been issued to us on 7/28 for $13,701.78 which is the total for the Adjuster's (independent) estimate (compare this total to the $16,462 given by the floor company.) After the flooring company compared their estimate to the independent adjuster's, we found that the independent adjuster had said my flooring was floating floor...which it isn't. It is glue down-which is apparently much more expensive to get rid of AND install. So, he sends his findings directly to Ryan Vannes and CC's me in the email-attached were pictures of my flooring (half ripped up I might add) that clearly show it is glue down. The next day after calling Ryan Vannes multiple times, the flooring company gets an email from a Deb Gorzlanyk saying that the supplement had been sent for review and we should hear back Wednesday or Thursday (8/5, 8/6). So Wednesday and Thursday come, and of course no reply. The flooring company spoke with Deb on Thursday, and she said we would definitely hear something by Friday. So Friday comes, and of course we hear nothing back. Around 2 pm we start calling Ameriprise. We are told that a new estimate had been made and that it had been accepted by the flooring company. Fine. So, we call the flooring company...They had never even been contacted for any agreement to be made whatsoever. Weird, right? So I call back again and let them know what has been stated. I am sent to a "team lead"- Jeanette Gomez- who states that they had accepted the flooring company's estimate and had already issued a check for the supplement totaling $2,760.22. I asked her to confirm the address the checks were being mailed to as we had never received the first one. Turns out, they had our old address on file. She told me-point blank- she was stopping payment on those two checks and emailing me a new check for the total amount $16,462.00 to our current address. I asked her to email me a copy of the accepted estimate so that I could provide it to our flooring company, which she did. AND IT WAS THE ESTIMATE FROM THE FLOORING COMPANY. Fine. Everything's perfect, we had him scheduled to come out Monday (today). I get to work today and have an email from Ryan Vannes saying that a payment was issued to me for $13863.32 which is not the total I was told I was being mailed a check for on Friday. So, I email him back and asked what happened to that total. This email is what I received in response:

Thank you for your patience while I was away from the office. I reviewed your file and have noted that the estimate received from your contractor included line items for what is called "Overhead and Profit". This is added to the final cost based on the jobs complexity and our appraisal review team has determined that the job is not complex enough in nature to warrant the oversight of a general contractor , therefore the estimate line items for "Overhead and Profit" in the amount of $2743.72 are not covered and the total payment would be and is $13,863.32. Thank you in advance and I apologize as I understand this can be a confusing process.

First of all, the total amount minus the "Overhead and Profit" does not equal $13,863.32.

Second, I was already told I was issued a check for the full amount.

Third, who decides how complex the job is? The company that said I have floating floor when in fact it is glue down?

And finally, if I had not said anything and just picked up the checks from our old address..would I then be getting the full amount-Or was all of that a lie as well?

All I am getting is a run around. I have been without half of my house for 30 days, my brand new furniture is covered in tarps. I'm down a bathroom. Thank goodness I have the help and physical ability to move my washing machine and dryer back into my home..or I would be paying to have someone do my laundry. This is ridiculous. Good thing they record their conversations, because I would really love to go back and listen to all the lies I've been told over the past 30 days.

Every single person I have talked to from this company has lied to me. Flat out. I pay them to fix my house when something goes wrong. Plain and simple. Fix it.Desired Settlement: I want my floor to be fixed with the estimate that was supposedly agreed upon. I was told this was in agreement by multiple people. I want to quit being lied to and to be able to live in my house that I just bought. I want them to do what I pay them to do.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on August 17,2015.We understand that she disagrees with our decision regarding the claim. We appreciate the opportunity toaddress her concerns.On August 10, 2015, Ms. [redacted] contacted us regarding this matter. On August 11,2015, we contactedher and explained that we had approved the flooring replacement estimate from her contractor, [redacted]. We told Ms. [redacted] and her contractor that they may proceed with repairs based onthe estimated replacement cost of$16,462.00.We understand that Ms. [redacted] is frustrated with the length of time it has taken to resolve this claim. It isalways our intention to resolve all claims as quickly as possible, but we need time to investigate the loss,to obtain paperwork and to coordinate inspections. However, we genuinely regret that this claimsexperience has not met Ms. [redacted]'s expectations. The chain of events leading to her feedback has beenreviewed, and we will use what we have learned as an opportunity to improve our processes goingforward.

Great company, friendly competent employees, Settled quickly and fairly after they got an estimate and they saved us hundreds REALLY compared to progressive.Very glad to have them on our side.

Review: I have auto and home insurance w [redacted], I cancelled my [redacted] account and transferred everything over to [redacted]. my home insurance still drafted out of my [redacted] account even though I changed it, as of right now my account is negative $84, the original $14 and 2 overdraft fees. all [redacted] wants is the $14 refunded and they will credit all fees.

I have called in 4 - 5 times to get this resolved and its still not resolved, reps from ameriprise are the rudest people ive ever dealt w, I didn't even know I was a customer of theirs, I thought I was a [redacted] customer.

ameriprise service is so bad, even after this problem is fixed, im leaving to the competition, please review all the notes on my acocuntDesired Settlement: I just want the problem to be corrected, nothing more, then I want my account cancelled

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on January 20,2015.We understand that he would like an explanation why his renter policy payment method was not changedfrom his [redacted] to his [redacted] bank account. We appreciate the opportunity to address hisconcerns and believe the following timeline will help provide clarification:• On September 15,2014, Mr. [redacted] started his renters insurance and provided his [redacted] bankaccount for payments. We were withdrawing $14.64 from this acconnt on a monthly basis.• On December 19, 20 14, Mr. [redacted] called to tell us that he had changed his withdrawal informationon his automobile insurance policy with [redacted], and that he had been informed it would also beupdated on his renter's policy with us. We apologized and explained that we were unaware of thechange; we coordinated a conference call with [redacted], and they agreed to reimburse him for thenonsufficient fund (NSF) fees that had been applied to his [redacted] bank account.• On January 10, 2015, Mr. [redacted] called to inform us that he had not received reimbursement for hisNSF fees. We had another conference call with [redacted], and they stated they would correct thematter.• On January 14, 2015, Mr. [redacted] called and asked us to return the $14.64 that we withdrew from his[redacted] bank account on December 15,2014, so [redacted] would reverse the NSF fee; he alsoasked us to apply the payment to his debit card. We honored his request and issued a credit of$14.64to his [redacted] bank account, and we withdrew the payment from his debit card.We sincerely apologize for the confusion and frustration this situation caused Mr. [redacted]. If you haveany questions about this information, you may contact me at I ###-###-####, Ext. ####.

Review: Ameriprise Insurance Co. never settled my content coverage after our house fire. All three levels were rebuilt and they claimed that their computers were not efficient in opening the DVD that contained our content damage. Lists, receipts, and other evidence was shown and they refused to accept it. They payed the builder for a job which was not finished.Desired Settlement: A settlement for the house contents and diamond ring.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on June 24, 2014.We understand that she feels there was a delay processing the claim. We appreciate the opportunity toaddress her concerns.On April 30, 2014, Ms. [redacted] reported a loss for fire damage to her home. We assigned [redacted]), an independent adjusting firm, to inspect the damage and provide an estimateand report with their findings. We assigned [redacted], an independent restorationcompany, to complete mitigation services; and [redacted], an independent contents restoration company,to inventory and clean personal property, and write a list of non-salvageable items. [redacted], anindependent contents replacement service, was provided with a list of the non-salvageable items tocomplete research and confirm replacement cost values.To date, total payments have been issued as follows:Coverage A - DwellingCoverage C - Personal PropertyCoverage D - Additional Living ExpenseCoverage B - Unattached Structures$458,536.34$73,991.88$80,406.23$1,206.43Ms. [redacted] also submitted an inventory list of damaged contents in the amount of $256,731.27. The listincluded many items that were discarded prior to our inspection ofthe loss, and a diamond ring valued at$10,000. The inventory list also included items that were cleaned or deemed non-salvageable that werepreviously included on the inventory list provided by [redacted]. We sent the inventory list to [redacted]to complete research and confmn replacement cost values of any additional items not included on the[redacted] inventory list.Ms. [redacted] provided some photos of contents being claimed; however, the photos did not show anydamage to the contents. Since the contents were di scarded prior to allowing us to inspect and continn thedamages, we were unable to provide coverage for these items. The applicable portion of your policyreads:ConditionsWhat To Do In Case Of LossI f a covered loss occurs, the insured person must:e) Exhibit the damaged property to us or our representative, as often as may be reasonably required;Regarding the $10,000 diamond ring being claimed, we asked Ms. [redacted] for additional informationregarding this item including where the ring was at the time of loss and after the loss. We also requestedthat she provide supporting documentation continning the extent of damage to the ring and why it needsto be replaced.On April 2, 2014, we received an email from Ms. [redacted] stating we will be hearing from her lawyer, Mr.[redacted]. After we receive a letter of representation from Mr. [redacted] we will contact him todiscuss any further concems regarding the claim.If you have any questions about this information, you may contact me at ###-###-#### Ext. ####.Sincerely,[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Goodmorning Bradley,

On Feb. 12th, my car was hit on the side after someone backed into me in a parking lot. The responsible party acknowledged that she did not see me, and gave me her insurance information. Not wanting to impact my insurance rates by filing with my own company, Travelers, I decided to use Ameriprise, who represented the responsible party. After many phone calls, and forwarding the photos and estimates of the damage, I was told they would pay 90% of the claim as I was responsible for 10% of the accident, the most asinine thing I have ever heard. (I must have been driving sideways as the side of my car was damaged and the offending party had bumper damage.) In any event, they finally received all of the requested information. By the way, they only use their own software for receiving information, an exercise in futility, and do not accept faxes, e-mails or certified mail. Knowing that I was in no way responsible for this accident, I told the adjuster that if they did not pay the entire claim, it would be settled in Small Claims Court. They did only pay 90% of my claim, but I also contacted the responsible party, explaining the situation and they agreed that the accident was in no way my fault, and paid me the difference of l0%. This company actually cheated their own client and when I received an e-mail survey from them, believe me, it was not a glowing review. This company and their policies need to be looked at carefully.

Review: Claim No:. 2122282-BT805

Policyholder: [redacted] & [redacted]

Policy No.: BH04010481

Date of Loss: February 14, 2016

We have a home insurance policy with Ameriprise and filed a claim for damages to our driveway (concrete washout in a small area) and fence (came loose in a small area) due to brutal winter weather conditions (rain with heavy wind). Our claim was denied due to dubious reasons by rep [redacted] assigned to us, stating that the damage occurred due to settlement and surface water, which were not covered under the policy. There is no water accumulation or settlement of our property or driveway. Weather-related damages should be covered under our policy.Desired Settlement: We need Ameriprise to honor our claim and perform repairs as provided under the policy, or issue us a check for $750, so we can perform the repairs ourselves. Failing this, we would like an adjustment made to the premium paid on the policy for the same amount, as the policy was misrepresented to us and does not cover damages to our house sustained due to unfavorable weather conditions.

Business

Response:

Thank you for sending the complaint filed by Dr. [redacted], which we received on March 11, 2016. We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity to address his concerns.Dr. [redacted] submitted a claim to us for damage to his fence and concrete damage to his driveway, both of which he reported were caused by rain water. During our initial conversation, we explained that there is no coverage under his policy for surface water (rain water) damage.Our appraiser inspected the premise and determined the fence damage was the result of rain water drainage and repeated accumulation of that water, which resulted in the ground shifting under the fence.The damage to the concrete driveway occurred in increments over a long period of time from surface water and cold weather. It should be noted that the driveway shows signs of old crack filler in this area.We sent a denial letter on March 9, 2016 explaining our decision and outlining the applicable policy language as follows:Section I Property ProtectionExclusions3. Water damage, meaning:a) Flood, surface water, waves, tidal water, overflow of a body of water or spray from any of these, whether or not driven by wind;b) Water or water-borne material which backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment.c) Water or water-borne material below the surface of the ground, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure; ord) Release of water held by a dam, levee or dike or by a water or flood control device; caused by or resulting from human or animal forces or any act of nature.Direct loss by fire, explosion or theft resulting from water damage is covered.[redacted]We do not cover loss caused directly or indirectly by any of the following, whether or not any other cause or happening contributes concurrently or in any sequence to the loss:Under Dwelling and Other Structures Coverages, we do not cover loss resulting directly or indirectly from:3. Faulty, inadequate or defective:a) construction, reconstruction, repair, remodeling or renovation;b) materials used on construction, reconstruction, repair, remodeling or renovation;c) design, workmanship, specifications;d) siting, surveying, zoning, planning, development, grading or compaction; ore) maintenance of a part or all of the residence premises or any other property;4. Wear and tear; marring or scratching; deterioration; damage which occurs over a period of time, or from lack of normal maintenance; defective materials and workmanship; inherent vice; latent defect; mechanical breakdown; fungus; rust; mold; wet or dry rot; discharge, dispersal or release of pollutants or contaminants; smog; smoke from agricultural smudging or industrial operations; settling, cracking, shrinkage, bulging or expansion of pavement, patios, foundations, walls, floors, roofs or ceilings; birds, vermin, rodents, insects or domestic animals.If any of these cause water damage not otherwise excluded, from a plumbing, heating, air conditioning or automatic fire protective sprinkler system or household appliance, we cover loss caused by the water including the cost of tearing out and replacing any part of a building necessary to repair the system or appliance. We do not cover loss to the system or appliance from which this water escaped.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].

Review: I had water damage in my unit that was caused by faulty water pipes from another unit. Our management company and the unit owner where the source of the damage was both agreed that he was at fault and he opened a claim with his insurance company claim #[redacted]. The agent who had the claim Gina M[redacted] contacted me and from the get go she had made a prejudgment that this claim wont be honored. Her argument was that the insured had a friend who looked at the issue and thought the insured wasn't at fault. Only after I did protest via email that how could an insurance company make judgement via a unprofessional third party did she contact me and said they will send a plumber. not to my unit where the damage was but to the insured unit who has no damages. I don't think I will get a fair decision from the above mentioned agent.Desired Settlement: I would like for the insurance to repair the damages in my unit that their insured had accepted liability for.

Business

Response:

Thank you for sending complaint [redacted], which we received on May 18, 2015. We understand that theclaimant disagrees with our decision regarding the claim. We appreciate the opportunity to address hisconcerns.On May 21, 2015, we spoke with this claimant about this home liability claim. We explained that we arestill investigating this claim and no decision has been made. A contractor will be sent to investigate thecause of the water damage to his unit. We will determine whether or not our insured is negligent for thewater loss as soon as we have completed our investigation.

Review: On September 24, 2015 an insured of Ameriprise Auto Insurance ran thru a stop sign causing me to hit her auto. The insured fully admits she was at fault. I did everything possible to avoid the collision, but I hit her rear bumper causing damage to both autos. It was a split second decision on my part, I had a choice of slamming on my brakes, or veer off to the right where over 12 children are playing in a church's after-school playground a mear 11 feet from the curb. I think I make the correct choice!! Their claims representative says they are willing to only pay 80% of my cost, even though their client was 100% at fault.Desired Settlement: To have Ameriprise pay the full amount of my damage.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on September 292015. We understand that he disagrees with our determination of liability. We appreciate the opportunityto address his concerns.As part of our investigation, we obtained statements from both drivers involved in the loss, and wereviewed the scene of the accident. On September 28,2015, we contacted Mr. [redacted] and made him aliability offer of 80% of his total damages. The offer was based on the fact that Mr. [redacted] could not sayhow far away he was from the other vehicle when he first noticed it, and the point of impact on bothvehicles. The 2015 GMC Sierra driven by Mr. [redacted] sustained front bumper damage, and our insured2014 Nissan Sentra was impacted on the rear driver's side quarter panel. Mr. [redacted] disagreed with ourdecision.We contacted Mr. [redacted] again on September 30, 2015, and discussed our fmdings again. In an effort tocompromise, we advised Mr. [redacted] that we would be willing to pay 90% of his damages due to the factthat he did try to brake to avoid the loss. He disagreed with the 90% offer. We instructed Mr. [redacted] togo to his repair shop of choice and have an estimate and photographs taken so that we could review ourliability decision again.We received that information in on October 2,2015. We contacted Mr. [redacted] and discussed our liabilityposition of 90%. We explained that based on the scene photographs Mr. [redacted] should have been able tosee the other vehicle approaching the intersection and should have been able to take evasive action toavoid the loss. We feel that the lack of awareness contributed to the accident, and again we offered Mr.[redacted] 90% of his damages. Mr. [redacted] accepted that offer.The total damage to Mr. [redacted] 2015 GMC Sierra was $2,648.72. On October 2,2015, we issued acheck in the amount of $2,383.85 to Mr. [redacted] and mailed it to his home address. Mr. [redacted] advisedthat he did not need a rental vehicle while his vehicle was in tbe body shop. We told Mr. [redacted] that ifadditional damage is found after the body shop begins repairs, we would be responsible for paying 90%of any related supplemental damage.

Consumer

Response:

Review: During a major storm in Houston my deck was damaged. Ameriprise sent an individual out and they agreed to the damage and did an estimate of the costs along with a statement showing the repairs that they approved. As part of the assessment they sent an estimate of the cost. Their cost estimate was about equal to my deductible. I accepted their assessment and moved forward to find a contractor. I found two contractors one five times their estimate and another 10 times their estimate. When I sent them the contractor information they sent over their personnel again talked with my contractor and started the internal process again. The original complaint was filed 4/26 it is now 8/19 and they now say they want to send a structural engineer to access the cause of the damage and see if I am covered. At the very least if I am not to be covered this should have been determine 4 months ago. I have taken several days off of work and spent a lot of time attempting to resolve this. I was informed by their personnel not to have any work done until this was resolved. I believe the claim should be accepted as it originally was and now they are simply dragging this out in an attempt to not pay or perhaps an employee is trying to cover their tracks of being so far off on the original estimate. Regardless I feel I am being given the run around on a simple claimDesired Settlement: I simply want the insurance company to cover the damages as they originally agreed to and set the amount they are willing to pay for and allow me to move forward. I have no problem covering my deductible and simply want my deck repaired.

Business

Response:

Thank you tor sending the complaint filed by Mr. [redacted], which we received on August 19,2015. We appreciate the opportunity to address his concerns.Mr. [redacted] reported his loss on April 27, 2015, and we promptly assigned Ms. [redacted] toinspect the damages and prepare an estimate for the damage. Ms. [redacted] provided a report to indicate aportion of the damage to the deck was the result of water damage. The damage was estimated at a total of$4,096.07. A denial letter was subsequently sent to Mr. [redacted] explaining that the estimate was lessthan his $4,854 deductible.On June 29, 2015, Mr. [redacted] advised us he has selected a contractor to complete repairs at his homewho found more damage than was identified by Ms. [redacted], and the cost estimate is significantly morethan previously estimated. After discussing the potential additional damages with Mr. [redacted], itbecame clear that further inspection would be needed. We asked Ms. [redacted] to inspect the propertyagain. Her second inspection identified additional damages that appear related to structural movementand unrelated to water damages. Mr. [redacted] proposed that the damages may be the result of lightning;however, the structure is absent of any evidence of lightning damage.Because of the potential additional damages, we asked a structural engineer to evaluate the entire claim toconclusively determine the cause of the damage and repairs needed to remedy the problem. We retained[redacted] for this purpose, and we are waiting for their assessment. Once we have their report,we will make a coverage determination. We anticipate receiving the report within the next 30 days, andwe will make a determination and inform Mr. [redacted] within five days of receiving the report.We understand that Mr. [redacted] is frustrated with the length of time it is taking to resolve this claim. Itis always our intention to resolve all claims as rapidly as we can, but we need time to investigate the loss,to obtain paperwork from outside providers, and to coordinate inspections. However, we genuinely regretthat this claims experience has not met Mr. [redacted]'s expectations, and we look forward to resolvingthis matter as quickly as possible.

I just had the worst experience dealing with Ameriprise. During my initial first 6 months having auto insurance with them, my fiance and I experienced the worst customer service ever. What one customer service rep would say another one would go against. They were never be consistent with anything. So the real problem came into action when I added an additional 2 vehicles onto my policy which I consider are my pleasure vehicles but one rep drilled me and started asking what was my profession (I'm a journeyman electrician)and she wanted to know what type of tools would I carry in the cars and as I'm explaining that these are pleasure vehicles, as I'm not going to carry electrical tools in my BMW, Cadillac Truck or Cadillac SRX, the most I would carry is a flashlight and jumper cables as I have done my whole driving life. My policy was to be renewed this past week and they never sent a renewal policy and when I called in they stated they were not renewing the policies because I used my 1st vehicle for business use and if I did not that they needed a signed letter stating that I do not use it for business use. I emailed letter and received a response a day later that they needed the letter notarized, therefore I sent a notarized letter in the following day all for them to tell me that they CANNOT renew my policy because the letter was due the day I initially sent it in. I disgusted with this company because as I looked at every email sent from them, they never gave a due date for the letter but I was very diligent with not wasting time with getting the information in. This company seem to not care about even keeping their customers and at this point I would rather pay higher premiums for better service. I guess you get what you pay for! I'm informing all of whom I referred to this company to find a new company to work with because after looking at all these reviews I see that if something was to really happen to any of my vehicles they would find a way to blame the customer instead of paying a claim.

Review: I am being penalized, asked to pay for policy in full, because the company was not able to collect my monthly payment. This was an issue since the credit card I use was breeched and reissued by my credit union. This is a matter that was not my doing and out of my control. However, when I contacted the company to resolve this issue I was told that there was nothing they could do. I am being faulted for issues that were not my doing. Credit cards that are breeched and used fraudulently so now I am labeled as a late payer. I have otherwise been on time with my account and do not appreciate that I am faulted for an issue that is out of my control.Desired Settlement: That I am allowed to continue to pay my policy via monthly payments and maintain an automated payment for my plan rather than a lump sum like they are asking.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on July 29, 2015.We understand that he disagrees with our decision regarding his payment plan. We appreciate theopportunity to address his concerns.After a reviewing Mr. [redacted]'s policy, we fonnd that he has had three payment reversals within the pastyear. Because there has been more than one credit card decline within the past 12 months, we require thebalance of $628.87 to be paid in full.Upon his next renewal, Mr. [redacted] will have the option of returning to automatic monthly installmentpayments.

Consumer

Response:

Review: I filed a roof claim on 3/30/15 and it continues to be unresolved as of 7/9/15. The company first claimed the damage was less than our deductible without even going on the roof. On 6/4/15 (after estimator) went on the roof they revised the estimate to $4,632.30. On 7/5/15 the estimate was increased to $4,940.18. My contractor initially estimated the work at apx $8,500 is unable to start working until they approve his expenses.Desired Settlement: Approve and pay contractor required amount of apx $8,500.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on July 9, 2015. Weunderstand that she feels there was a delay processing the claim. We appreciate the opportunity to addressher concerns.Immediately after receiving notice of the claim on March 30, 2015, we assigned Mr. Matt [redacted] to inspectthe property and provide an estimate. On April 20, 2015, we issued payment in the amount of $418.06 toMr. and Ms. [redacted] based on Mr. [redacted]'s estimate.On April 23, 2015, Ms. [redacted] notified us that her contractor, Mr. [redacted], disagreed with Mr. [redacted]'sestimate and supplemental payment was needed to complete the repairs. Mr. [redacted] and his associate, Mr.[redacted], worked with Mr. [redacted] to reach an agreed price for the cost of repairs.On June 9, 2015, we issued additional payment to Mr. and Ms. [redacted] for the damages agreed uponwith Mr. [redacted].Upon receipt of this complaint, we followed up with Mr. [redacted]. During that conversation, wedetermined that an agreement had, in fact, not been reached on the actual amount needed to indemnify theinsured. We subsequently reached an agreed amount with Mr. [redacted] of $7,500 for the needed repairs.We issued supplemental payment in tllis amount on July 15, 2015.

Consumer

Response:

I was recently involved in an accident with a. Ameriprise client

She was sighted and ticketed for running a red light . After a few days I was contacted by a claims adjuster from Ameriprise ( fist things first she was the rudest person I have ever dealt with in the insurence world ) she led me with question a to get the answers she wanted . Then she stopped. The recording and all but called me liar

And claimed I was at fault for the accident . This with out ever seeing FHP report or the two wittiness statements. One of the witnesses was an. Off duty sheriff. The adjuster flat out told me " we are not paying, you were at fault , doesn't matter what highway patrol says.

Please please stay way from this company after this experience I wouldn't use Ameriprise FOR ANYTHING !!! And prey you are never in an accident with someone who has Ameriprise for coverage . They will find any and every reason not to pay . A worthless company with RUDE people working for them

I am a auto insurance customer with Ameriprise and at the start they were great. Kept me informed and up to date. However in February of 2016 they called saying I did not give them complete information for their underwriting. I checked my application to them (Which I have saved for my records) and the information was completed. I replied with my information once again and thought that was the end of it. Until today March 28, 2016 when I found out they canceled my policy over a week ago without notifying me. I dealt with their Customer Assistance and at least got them to acknowledge their fault and reinstate the policy. I really enjoyed driving WITHOUT INSURANCE! The first problem is they did not bother to notify me other then a letter in the mail weeks before the policy canceled. There was no attempt to reach out and resolve the issue. The problem now is now they will not offer any assistance to me. I am canceling my policy with them and moving to another company that values the customer and has better practices. Do not buy with them.

I had a auto claim which had to wait for 2 months before it could get processed. Ameriprise claims department is the WORST!! The claims representative will never call back, you continuously leave voice messages without luck. It seems that if they have to pay for the repairs, they will try to postpone it as much as possible...no business ethics!

Endangerment.
Ameriprise had cancelled our auto policy without sending us certified mail to us as required by bmv/indiana.

Review: I used Ameriprise for my homeowners insurance until I sold my home. I sold and closed on my home on March 9, 2015.

I received a call from [redacted] with Ameriprise on 7/24/15 and was told I needed to update my address with them. I informed [redacted] that we no longer own that home and it we closed in March of 2015 and needed to be refunded for all the time we had been billed. [redacted] transferred me to another office and I explained my story, but was told I was unable to receive a refund from 3/9/15 until 7/24/15 because we could not show them proof of insurance with our new home. I explained to the agent that I was living with someone else and I didn't need homeowners insurance as the owners had their own insurance. Once again, he declined my request for a refund from 3/9/15 until 7/24/15. I was mailed a check from Ameriprise for the rest of the year in the amount of $193.93 and receive it on 7/30/15. I will be more than happy to provide the closing papers when given the chance.Desired Settlement: I would like a full refund from 3/9/15 to 7/24/15 as I was no longer using the homeowners insurance due to no longer living at this location.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on July 31, 2015.We understand that he would like his homeowners insurance policy cancelled effective March 9, 2015,and a premium refund. We appreciate the opportunity to address his concerns.If Mr. [redacted] can provide closing papers showing he sold his home on March 9, 2015, we will considerbackdating the cancellation and providing an additional refund. We contacted Mr. [redacted] today andinformed him of the same.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].