Ameriprise Auto & Home Insurance

I recently filed a claim on my home owners policy after a tree limb fell through my roof. My claim representative was Tuesday [redacted] and originally was pleasant to deal with. The pleasant demeanor disappeared after a dozen call backs, then her calls were much slower to be returned and she never seemed to be in the office. She sent over an "independent adjuster" to put a value on the damage to the roof. The adjuster decided that only the front portion of the roof was damaged even though the right side and rear of the roof were also damaged from securing the tarp to the roof to prevent further damage. He also completely "forgot" to mention the damage to the soffit and siding on the home during his report. The roof was between 8 and 10 years old so matching the color is impossible. At this point they want to replace the front portion and patch the punctured side and rear shingles leaving ridiculous looking patches in the roof. After expressing my concern about how the roof would not look or perform properly, my claim representative stated that their policies would only cover the damaged area of the roof not the entire roof and that even if the new products didn't match they would not cover any further repair of the roof. So basically this company doesn't pay to fix the problem they only pay to patch the problem yielding their services essentially useless. After paying the deductible of $1000 I now also get to pay an additional $4350 to have the roof replaced on my home. I plan on letting my mortgage company know that the coverage provided my Ameriprise is not sufficient in protecting the value of your home. If I were to attempt to sell my home the value would be greatly diminished due to the home having a roof that is patched together. The policies offered my Ameriprise are inferior and are full of loop holes that allow them to cheap out on repairs and protect their investors and not their paying customers.

THE WORST INSURANCE COMPANY EVER. THEY ARE REFUSING TO PAY FOR MY CAR RENTAL EVEN THOUGH I HAVE FULL COVERAGE. THEY SAID MY CAR SHOULD HAVE BEEN REPAIRED IN 2 DAYS! THESE PEOPLE STEAL MONEY FROM US. I AM SUING THEM.

I work in the auto sales business, I see a lot of clients with different insurance companies, speaking with lots of them about how satisfied they are with their insurance companies, I found out that the vast majority of people with Ameriprise said they are not happy with the company. Unfortunately I didn't do my due deligence before signing with them. Now I am experiencing the same bad service and denial of claim. First after my auto accident, the agent, [redacted] made my feel like I was at fault. He sounded just like the liberty insurance television advertisement..I deeply regret signing up with this company. Can't wait for my period to be over.

this is the most worse experience i'very ever had with an insurance company. Beware people, read other people's reviews,DO NOT BE LIKE ME AND OTHERS,

thanks

[redacted].

I recently contact Ameriprise Insurance to remove my daughter from my auto coverage. My daughter is 18, has her own insurance, and no longer lives with me. At first I was told to send in a proof of address change for her. After this was done, Ameriprise contacted me and said that they could not remove her until they had proof of insurance for her. This was sent to them. Then they said that her insurance had to be at the same level as mine. Which it was not because she is 18 with a low paying job. They refused to take her off my coverage after numerous attempts on my part. They would not take her off my coverage so I had to cancel and find a new insurance company. I had been insured by them since 2004 for my car and home. I was appalled that they refused to change coverage where I paid the premium. I would NEVER recommend this company and I have great doubts that their actions were legal.

Review: I had car accident in January 2015, My insurance company told me other driver's fault, pay my deductible $500 first and fix my car, they will reimburse, I fixed my car the end of Feb, I did not hear any from my insurance, called early June, They told me It will take long time. My policy number is [redacted], claim number is [redacted], my insurance agent is [redacted], Tel ###-###-#### Ext[redacted]Desired Settlement: I want my deductible now

Business

Response:

Thank you for sending the complaint filed by our insured, Ms. [redacted], which we received on July 2,2015. We understand that she feels there was a delay processing the claim. We appreciate the opportunityto address her concerns.On January 8, 2015, Ms. [redacted] reported an accident in the parking lot at [redacted] Medical Center inChula Vista, California. We obtained statements from both drivers who confmned they were both backingout of parking spaces when their vehicles collided. Ms. [redacted] has maintained she had more control of theaisle when the claimant backed into her vehicle.Unfortunately, the claimant's insurance company, AAA Insurance, disagreed with our assessment ofliability and found Ms. [redacted] 100% responsible for backing into their insured's stopped vehicle. We couldnot reach an agreement with AAA as to who was at fault for this accident; therefore, we are sending thecase to Intercompany Arbitration where an independent arbitrator will determine if there is sufficientevidence to recover both Ms. [redacted]'s $500 deductible as well as our payment.On January 27,2015, we explained to Ms. [redacted] that she would be responsible for paying the $500Collision deductible while we paid the remaining $1,766.08 to repair the damage to her vehicle. We saidwe would attempt to recover her deductible from AAA, but we could not guarantee that we would besuccessful.Regardless of who is responsible for the accident, the deductible is owed once repairs are completed. Weimmediately attempt to recover the deductible when our insured is not responsible and the other insurancecompany agrees. However, in the event of a parking lot accident, it is often difficult to place one party atfault rather than the other, particularly when the parties disagree as to how the accident happened.Ms. [redacted] does have the option of pursuing her $500 deductible directly from AAA. Their contactinformation is:[redacted]We understand that Ms. [redacted] is frustrated with the length of lime is taking to recover her deductible. It isalways our intention to resolve all claims quickly, but when a case goes to arbitration, it does requiremore time. We regret that Ms. [redacted] feels there is a delay, but we assure you that it is not in any wayintentional.If you have any questions about this infoffi1ation, you may contact me at ###-###-####5, Ext. ####.Sincerely,[redacted]

Review: was in an accident 03/19/2015 I was seriously hurt and taken to hospital other driver made a left turn in front of me and the state police cited him and said it was his fault. we call my ins and report the accident my 2007 Lincoln I just bought 8 months before and valued at 30K plus was totaled hitting his truck. my ins. had a [redacted] claims rep who was handling the car and garage and he was DEMANDING and threatening me intimidation and trying to force me to do things then a [redacted] -e t e called me and acted the same way. we totaled your car and we are giving you 6644 you have 24 hours to take it or get nothing. well I am on medicine from the accident and they should never talk to an I m -pared person then they are demanding and threatening. [redacted] calls my bank and tells them he faxing a letter sign it and send it back and they will over night a check. I don't except the offer then [redacted] sends people to the garage with a check in hand to take my car .. without my permission .. when I asked to speak to a supervisor I get an email saying "my leader said I handled it" talk about aliens ? nasty ones ! and this is my ins co. the trooper sends the info and I call the other guys ins The [redacted] , and a [redacted] is given the case and he said he will not give me a rental and he must investigate the claim to see who is at fault .. that was a week ago and no settlement yet ? I had full coverage on my Lincoln and according to a lawyer I have limited tort so I can not sue for pain and suffering , but with limited tort My ins co must pay any lost wages , medical bills up to 5K ( and then the [redacted] pays from there) and ALL OUT OF POCKET EXPENSES . so I sent them a bill and said these are my charges , and they are refusing to pay my OUT OF POCKET EXPENSES . and settle the accident ..Desired Settlement: I want the accident settled - it was not my fault and the other guys ins (the [redacted]) is playing games just like my ins is doing . car is worth $30K , and my bills OUT OF POCKET EXPENSES need to be paid or at least negotiated . I am a [redacted] - the VA is 45 miles one way , I need a car. mine was totaled by the other guy. NOT MY FAULT ... unethical, illegal and criminal practices should put the both co. in court - fines costs etc.

Consumer

Response:

Review: I have had car insurance with Amerprise (IDS Property Casualty) for over ten years. I had a mix up of payment sent with my daughter and made my payment three days past due date. I was sent email that there is problem. I call and I am told my policy is canceled and my payment kicked back. I ask to have policy re-instated. They say No and refer me to [redacted] which quoted me a policy 3 times what I was paying. I spoke to supervisor who in turn, not only stated no but kicked me out of the online website where I would also monitor stocks. I am so confused by this treatment and can only surmise that because I was such a long time customer, they no longer want to continue giving me such great discounts. My policy joining today would be 100 dollars more. What a rip off. Plus I know I have a grace period to get payment in just like rent, car note, and any other bill. I stated to them that my daughter had already put her payment in the mail but they did not care.Desired Settlement: I would like my policy re-instated at rate I had. California Law states to have insurance and they took that away from me.

Business

Response:

Thank you for sending the complaint filed by Ms, [redacted], which we received on December 4, 2014,We understand that she would like a more detailed explanation of why the policy was canceled, Weappreciate the opportunity to address her concerns and believe the following timeline will help provideclarification,• On October 16,2014, we mailed the November 29, 2014, to May 29,2015, renewal offer to Ms,[redacted]. Included in the renewal package was a premium notice in the amount of $486,74 with a duedate of November 29, 2014, The premium notice states, "Failure to pay the premium by the due datewill result in the cancellation of your policy,"• On November 12,2014, we mailed Ms, [redacted] a reminder notice in the amount of $486,74 with a duedate of November 29,2014, The reminder notice states, "Failure to pay the premium by the due datewill result in the cancellation of your policy,"• We did not receive payment from Ms, [redacted] by November 29,2014; therefore, the policy lapsedbecause the renewal premium was not paid on time,• On December 3, 2014, we received an internet request from Ms, [redacted] asking us to apply a paymentof $172,00 to her Visa card, We attempted to call her, but the phone number on file was no longervalid, We emailed Ms, [redacted] asking her to contact us regarding her policy,• Ms, [redacted] called and requested reinstatement of her policy, We declined the request because therewas a lapse in coverage and break in the contract when the policy cancelled for nonpayment ofpremium,We understand that this is not the outcome Ms, [redacted] would like, but after reviewing the situation asecond time, we respectfully maintain our decision not to reinstate the policy,Lastly, Ms. [redacted] expressed concern about no longer being able to view her Ameriprise stocks online as aresult of the cancellation. She has full access to this information since it is housed and available on theAmeriprise Financial website, which is separate from the Ameriprise Auto & Home Insurance website.

Business

Response:

Thank you for sending the follow-up complaint filed by Ms. [redacted], which we received onDecember 16, 2014, We appreciate the opportunity to address her additional concerns.Ms. [redacted] states she did not receive our November 12, 2014, Reminder Notice,We mailed the October 16,2014, renewal offer and the November 12,2014, Reminder Notice to the [redacted] address on file.We recognize and appreciate that Ms. [redacted] has been a long-term client, and we understand that this isnot the outcome she would like. However, based upon the facts of the situation, we respectfully maintainour decision not to reinstate the policy.

Consumer

Response:

Review: Put in a claim with home insurance company. They refused claim based on terms of policy. They do not wish to repair problem. This is an unfortunate turn out but was always a possibility. I then received a letter from Ameriprise stating that if I didn't repair the problem they would cancel my policy. The conditions of the repair are that I MUST use a licensed contractor. I cannot do the repair myself. This is unacceptable that they refuse to take care of an insurance issue but demand I do the repairs in their timeframe with a contractor. It has taken me well over two weeks to even get someone to call me back from Ameriprise. I finally had to call the main operator and yell like an it to get someone's attention. I finally spoke with appropriate department and was told I have to do whatever they say or they will just cancel the policy. I am not happy with Ameriprise. They are possibly the worst insurance company on the planet.Desired Settlement: Let me handle repairs on my own conditions.

Business

Response:

Thank you for sending the complaint filed by one of our policyholders, which we received on December10, 2014. We understand that he would like an explanation of why a licensed contractor must be used tocomplete the needed repairs to his home. We appreciate the opportunity to address his concerns.On November 7, 2014, the policyholder reported a claim for damage to his sunroom due to recent rain.[redacted], an independent adjusting company, inspected the loss and confirmed the damage to thesumoom was the result of settling/earth movement. Since settling/earth movement is specificallyexcluded from the policy, we are unable to provide coverage for this loss.We sent the client a letter on December 2,2014, requesting that a contractor repair the damage to thecracked floor tiles and that he provides proof the work had been completed.We understand that the policyholder is concerned that he is not being given the opportunity to makerepairs himself. We asked him to have a contractor complete the work because, as a general practice, wedo not suggest or require our clients to personally make repairs. After a subsequent review of the damage,we have no reservations if he chooses to make the necessary repairs on his own. If he does, and heprovides proof of those repairs, his policy may remain in force.If you have any questions about this information, you may contact me at I ###-###-####.

Review: Ameriprise is a joke. I used to have them and I tried to quote to go back and they denied me insurance. I have one at fault accident on my report that falls off next year. I will never recommend them to anyone. They are a partner with the company I work for. If this is how you treat a former customer then I am glad I left.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on September 28,20 14. We understand that he would like a more detailed explanat ion of why coverage was not offered.We appreciate the opportunity to address his concerns.[n his complaint, Mr. [redacted] said we would not offer him auto insurance. We emailed Mr. [redacted]to discuss this matter because we were not able to locate him in either our Policy Administration systemor our online system. Mr. [redacted] explained he tried to retrieve a previous online quote, but it wasunavailable. Regrettably, because we could not locate the quote, we could not detennine why it may havebeen declined.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].Sincerely,[redacted]

Review: I had water damage on 10-13-13 in my basement due some problem outside the house, then I filed a claim with Ameriprise and they were quick to call out a company to come and dry the carpet, after which that they sent a contractor for restoration of the drywalls and the damaged carpets, before I discover the water in the house, I notice mold growing on drywall and some part of the carpets, so the contractor that came out saw the carpets and the mold and he recommeded in his estimates that my insurance change the whole carpet to avoid someone being sick from the mold, and also that because the house is 12 years old, he wont be able to get the exact carpet in the room with the water damage and for these two reasons, he recommeded to my insurance to change whole carpet in the basement.

After few days, my insurance got back to the contractor and told him that they will not cover the replacement of the whole basement carpet and that they will only be responsible for the room with the water damage becase in their belief, the room has a door and I can always close the door to the room, I don’t understand their reasoning, the room is part of the basement. I said ok. I contacted three different contractors and they all told me that the whole basement carpet should be changed.

I went to all major carpets companies over the weekend with my contractor and check online as well with sample of the carpets, all carpet companies I contacted told me that they don’t make this carpets/Berber/loop anymore and that they have to change the whole carpet to have a match.

Here are my reasons for filing this complaint:

1. Sump pump was one the reasons I got water damage when it rained for about 3 days in October, the plumber that came said to change the sump pump but my insurance refused – I already fixed the problem out side by paying $430 and another $500.00 deductible out of pocket to the plumber – And I still have a damaged sump pump.

2. The carpets in the basement was damaged and grow mold, the contractor told the insurance to change the whole basement, yet they refused.

3. I spent several days looking for a matching carpets, all the carpet companies contacted said that I have to change the whole basememt because they don’t make the type of that carper any more, yet they refusedDesired Settlement: They should change the whole carpets in my basement as submitted in the original estimates

Business

Response:

Dear Mr. [redacted]:

Thank you for sending the complaint filled by Mr. [redacted], which we received on November 13,

2013. We understand that he disagrees with our decision regarding the claim. We appreciate the

opportunity to address his concerns.

On October 14, 2013 Mr. [redacted] reported a claim for water damage to his basement bedroom

caused by a sump pump failure. Code Blue, an independent contractor, completed mitigation services and

provided a repair estimate ill the amount of$2,508.93; the estimate included replacement of the damaged

carpet in the bedroom. After applying his policy deductible of $500, we issued payment to Mr. [redacted] for

$2,008.93.

Mr. [redacted]'s policy does not provide coverage for the repair of his sump pump - only the damage that

resulted from its failure. For your reference, the applicable portion of the policy states:

For an additional premium:

We insure for direct physical loss, not caused by the negligence of an insured , to property covered under

Section I - Property Protection caused by water or water-borne material which:

1. Backs up through sewers or drains; or

2. Overflows or is discharged from a:

a. Sump, sump pump; or

b. Related equipment;

even if such overflow or discharge results from mechanical breakdown,

This coverage does not apply to direct physical loss of the sump pump or related equipment, which is

caused by mechanical or electrical breakdown

We understand that Mr. [redacted] is requesting that we replace all the carpeting in the basement so it will

match. We explained that the policy does not provide coverage for replacement of the non-damaged

carpet in the basement. For your reference, the policy states:

Dwelling and Other Structures Coverages

We will not pay costs to repair or replace portions of a dwelling or other structure not directly damaged by

a covered peril in this policy, regardless if replacement materials that reasonably match the existing

materials on the dwelling or other structure are no longer manufactured or are otherwise unavailable.

We are truly sorry Mr. [redacted] had to experience this unfortunate event, and we understand that this is not

the outcome he would have liked. Regrettably, we are not able to change our decision after reviewing the

facts of this loss and the policy language a second time.

If you have any questions about this information, you may contact me at ###-###-####, Ext. ####.

Sincerely,

IDS Property Casualty Insurance Company

cc: Mr. [redacted]

Review: Failure of Ameriprise personnel to disclose pertaint underwriting details of my homeowners insurance involving what has now become a "mandatory" home inspection when it is in my policy paperwork as "you may be contacted" for an inspection. They have now set a cancel date for my homeowners insurance if I do not have this inspection. Personnel will not answer direct questions that are asked of them. "I don't have that information" "That information is not availab le" "I can't help you" but not trying to find someone who can help me. This issue has been continuing since summer of 2013. I t took them over 2 months to finish the paperwork of my exterior home inspection, and then require a mandatory inspection for no reason other then the fact that they can. They are unwilling to help so that I can continue to have my home insured until such time as I can find a new insurer.Desired Settlement: I would like them to change the wording on their policy from "may be contacted" to "mandatory inspection" because anything else is lying. And to have appropriate material for their customer service people to answer questions when they are asked.

Business

Response:

Dear Mr. [redacted]:

Thank you for sending the complaint filed by Ms. [redacted] , which we received on October 28,

2013. We understand that she is concerned with our inspection process. We appreciate the opportunity to

address her concerns.

On May 31 , 2013, Ms. [redacted] began a home insurance quote on our website. That same day, Ms.

[redacted] contacted us via telephone to discuss her coverage, and during that conversation she bound

coverage on her home effect ive July 13 , 2013.

After coverage was bound, a new business packet was mailed to Ms. [redacted] to the mailing address of

record. Within that package is a Dwelling Value and Home Inspection Information form (copy enclosed),

advising Ms. [redacted] of an inspection. This form states that "We may require an inspector to view the

interior of your home. In those cases, inspectors will schedule an appointment with you to complete the

inspection process." Because not all inspections require intelior access, we indicate that the policyholder

"may" be contacted by our inspector. Due to Ms. [redacted]' s home being more than 75 years old, an

interior inspection was required to ensure the dwelling met our eligibility criteria.

On July 24, 2013, our vendor contacted Ms. [redacted] at the home telephone number she provided to us

and left a message to schedule the required inspection. The vendor then contacted Ms. [redacted] again on

July 25, 2013, and was told that the insured refused to have the interior inspection completed.

On October 16, 2013, we reviewed notification that Ms. [redacted] refused the inspection; therefore, the

policy was set to cancel effective January 14, 2014 if the required inspection was not completed. This

date was chosen to allow ample time to reopen the inspection and schedule an appointment at a time

convenient to Ms. [redacted].

We apologize for the delay in processing the initial inspection attempt and the inconvenience this

situation has caused Ms. [redacted]. We are also internally reviewing our communication practices

regarding inspections to ensure increased clarity for our policyholders.

If you have any questions about this information, you may contact me by telephone at ###-###-####,

or by fax at ###-###-####.

Review: I filled a claim with my insurance company Ameriprise about my awning been damaged, the representative that handled my case looked into it and said that yes that was covered and sent and adjuster to evaluate. The adjuster came and according to him the replacement cost was $526.00, I have $500.00 deductible so they were going to send me $26.00 I told them it looked a little too low and they said that they needed to close the claim but I could get another estimate and send it in and they would revaluate, it is very hard to find a company that replace awning but I found one and the replacement cost is over $8000.00 so I sent it in and that is when they started to totally ignore me, not returning my calls or email. Finally I was able to talk with someone and now they are saying that it is not covered anymore, so in one week the policy changed!!! I have been told and it states on my insurance contract with them that that is covered, it is attached to the house and they need to pay me today replacement cost. I tried to contact a claim supervisor and asked to please give me a different representative, ( the girl I was dealing with was lying and turn me around) I was shocked in one phone conversation she changed 100 times ( they should have the conversation recorded) also they told me that when there is a big difference between their appraisal and the customer appraisal they would send an adjustor to reevaluate. But they won't do it with my case. I also have an Umbrella insurance with them which should help with the coverage.

This insurance company is almost a fake they keep their premium very low and now I know that the reason is because they do not cover the customers. I asked over and over to please give me another representative and to send an adjuster but they totally ignored me. They do not return calls or email, and it is almost like if you have a problem they do not want to have nothing to do with you. I have the email they sent me saying that my awning was covered by the insurance, and one week later they told me that it wasn't they are not reliable and it is scary if we think how much we rely on insurancesDesired Settlement: The reason we have insurance is to protect us form any kind of damage and they NEED to honor that, I have always paid insurance they need to honor their contract with me

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on May 1,2015. We understand that she disagrees with our decision regarding the claim. We appreciate theopportunity to address her concerns.In response to Ms. [redacted]'s complaint, we reviewed the facts of the loss and reconsidered our position.We will provide coverage for the damages claimed and, today, have issued payment in the amount of$8,329.60 based on the estimate provided by Ms. [redacted]'s contractor.We apologize for the frustration Ms. [redacted] experienced during the claims process. It is always ourintention to provide quality customer service and treat all of the parties involved during the claim processwith respect, compassion and professionalism. We regret that we failed to meet Ms. [redacted]'sexpectations while settling this claim. The chain of events leading to her feedback has been reviewed, andwe will use what we have learned as an opportunity to improve our processes going forward.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: Refuses to renew policy after cancelled under false pretenses.

I had policy # [redacted] with Ameriprise via [redacted]. My vehicle was totalled 3/6/15 and I only had PLPD coverage. I called customer service & advised of the situation. The rep asked me if I was going to get a vehicle within the next 30 days. I said I wasnt sure. He then stated he cancelled the policy effective today. I found a car and went to insure it and was advised because my policy was closed I would have to be insured with another carrier for a year. I asked for a supervisor, her name was Jenna on 3/18/15 at ###-###-####. She listened to the call and confirmed I was never given the option to keep the current car on the policy and swap it to the new one. She stated she was going to make an exception and reopen the policy. She asked if I had anything I needed to report I said just that accident but I wasnt making a claim and neither was the state. She then said she had to run it past underwriting she called me back on 3/19/15 at 230pm and advised they will not reinstate the policy. I immediately started shopping for rates & they are triple what I was paying. This is causing me severe financial hardship & will not be able to afford a vehicle. I called back one more time to ask the reason for the denial and I was told its because of my driving history but also because "there was a lapse in coverage." I told her there was no lapse in coverage and she said "technically there was when you cancelled on the 6th" So in the end I cant afford a car I cant keep my job without a car and its all because the original person I spoke with didnt provide correct and adequate information for me to make an informed decision. Had that information provided none of this would've happened. Especially given that the supervisor referenced above was able to verify that fact they should be required to make an exception and reopen my policy.Desired Settlement: As stated above I feel that Ameriprise should be required to reopen my policy as if the person had provided correct information. I wouldn't have be "re underwritten" had I simply swapped the vehicles out on the policy which, again, I was never advised that was even an option.

Business

Response:

Thank you for sending the complaint filed by our insured, which we received on March 23, 2015. Weunderstand that he would like further explanation as to why his policy was not reinstated. We appreciatethe opportunity to address his concerns.On March 6, 2015, our insured contacted us and requested we cancel his policy because he no longer hada vehicle. During that conversation, our representative asked our insured if he would be purchasing a newvehicle within thirty days. When our insured stated he did not know, our representative asked if he wouldlike to have the policy cancelled. Our insured responded "yes".On March 18, 2015, our insured contacted us to request reinstatement of his policy as he obtained a newvehicle. At that time, our insured disclosed he was involved in an accident on March 6,2015, and wascited for driving too fast for conditions. Since he was involved in this accident, he no longer qualified forcoverage; therefore, we were unable to reinstate his policy.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on April 15, 2015.Mr. [redacted] asked us to consider reinstating the coverage without a lapse. We have reviewed his policy andwe are willing to do so provided we can verify there have been no losses and that we receive payment.We contacted Mr. [redacted] on April 21, 2015, to offer him reinstatement of his policy without a lapse incoverage. We are currently awaiting his response.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I was able to successfully reinstate my policy and provided them payment.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

These jokers sent me a letter of cancellation because I had one claim, which was less than $400 and they did not even pay, and they said my credit score was too low because my oldest credit account is too new. My credit score, verified by Equifax is [redacted]! I am ** years old and have had excellent credit since I was 18! I've had homeowners insurance for 31 years and I've NEVER had a paid claim. These guys are a serious joke! Beware! No one there can help answer any questions about this and they are not worth my time.

Review: Could also file under customer service, after I filed a claim in late 2013 and Ameriprise assigned someone to my claim named "Price Colvin" and used an adjusting service called Eagle Adjusting Services - both of which never answered their phone, and required me harrassing them and calling up to 5 times a day to get a response.

That said, the issue here is Ameriprise increasing my rate by over 100%. Charging me $1,620.91, and that is with a $2500 deductible.

According to the data (Readily available online), average home owners insurance in 2015 is $663, and that is a 34% DECREASE from previous year. And that is the average, my house is also average - built in 1996, 2600 sq. ft. nothing special.

The only reason they raised my rate (and they of course, did not give a reason) is because I filed a claim.

Well I am sorry a water line leaked, but that is what insurance is for.

I will have to find new insurance, and ditch this terrible, rip off company. Cannot have much faith in Revdex.com if they rate a company like this as "A+" - I looked through the resolutions, not so good. Too bad you do not take into account the actual reviews.Desired Settlement: When I switch, I will want every cent of the $1,620.91 returned to my escrow account. No "ifs" "ands" or "buts".

What a ripoff.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted],

which we received on November 17, 2015. We understand that

he

would like additional details surrounding a change in premium. We

appreciate the opportunity to address

his concerns.The changes to Mr. [redacted]’s premium are

due to a rate revision that was filed with the Ohio Department of Insurance and

became effective for policy terms beginning on or after March 10, 2015. The

overall change for our homeowners program was 4.7 %; however, the realignment

of our rates affects each policyholder differently based on the individual

characteristics of their policy. Statistical data is collected and

analyzed periodically to determine if the rates being charged are adequate to

cover future losses and operating expenses. Our recent analysis showed that a

rate increase was necessary to support our projected claims and operating

expenses in Ohio. Our analysis involved an evaluation of many important

insurance risk factors, such as: the exposure to all of the various perils

covered by the homeowner’s policy, the geographic location of each risk, and

the specific characteristics of the insured dwelling and homeowner. The rate

increase was necessary for us to continue to provide the same high-quality, comprehensive

coverage on which our clients have come to rely. Mr. [redacted] expressed concern

about his premium increasing because he filed a claim. While his individual premium was not

increased because of the claim, loss information is one category of statistics

used when analyzing and setting our overall rates. We regret that Mr. [redacted] was

dissatisfied with the adjusting service we engaged on his claim. We will review the service records and provide

any necessary feedback to improve future interactions. If you have any questions about this

information, you may contact our Client Service department at ###-###-####.

I was involved in rear-end accident with one of their policy holders. He slammed into me while I was sitting at a red light. He totaled my car then lied about it. He said I rolled back and caused the accident. Ameririse knew he was lying, the adjuster admitted she didn't believe him then still denied the claim. I had to go to small claims court to settle for what was a obvious rear-end accident. Because of our back logged court system in CA and the time it took to get a date and all the time I spent previously fighting with Ameriprise I did not get a settlement until nearly two years after the accident. I won in court which was the only way I was able to get what I was owed for my totaled car from this incredibly shady company. I don't need to hear any apologies from Ameririse, it is far too late for that, they should pay for rear-end accidents to begin with. People would be wise to avoid this company.

My car was stolen and dumped (recovered by the police). It was bad enough that it took almost 3 weeks to get things rolling, but the lady contacting me about my claim was the most unpleasant and rude representative I've ever spoken to. She would never answer her line, and call back a day or two later every time. To make matters worse, the check that they cut for me only covered the bare minimum. The appraiser missed a bunch of small details that I later found out "could no longer be included in the claim." Also, the appraised value for all the things that needed to be replaced in my car were based off of the prices for used parts. The mechanics all shook their head when they saw what they had to work with. Took it to 3 auto shops before one finally agreed to work with it (and that was only because he felt sorry for my situation). The insurance company was no help in recommending a shop either. Needless to say, I had a terrible experience with this company. You really get what you pay for.

Review: Ameriprise Home & Auto Insurance out of De Pere, WI agreed to pay for repairs to my home for a flood that occurred. My wife and I have had to pay $9,000.00 out of our own pocket to have our home repaired. We have also had to pay our monthly insurance premium to Ameriprise AND we have already paid our $500.00 deductible for this claim. Now they are refusing to reimburse my wife and I the $9,000.00 that we have had to pay and they are refusing to pay the contractor the remaining money that he is due for the repairs that he performed.Desired Settlement: I want Ameriprise to reimburse my wife and I $9,000.00 and I want the contractor to be paid any and all monies due him (less the $9,000 we have paid him).

Business

Response:

Thank you for sending the follow-up complaint filed by Mr. [redacted], which we received on December10,2014.To date, we are still waiting for Mr. [redacted] or his contractor to provide the mold remediation estimate andphotos.We have paid the replacement cost value for the damages documented by the independent adjuster. Weremain willing to review the mold remediation estimate and photos for further payment consideration.If you have any questions about this information, you may contact me at ###-###-####.Sincerely,[redacted]IDS Propelty Casualty Insurance CompanyAmeriprise Auto & Home Insurance

Review: Regarding:

Claim No.: [redacted]- 309

Policyholder: [redacted] & Wendy [redacted]

Policy No.: AI01737499

Date of Loss: February 8, 2014

Date of Settlement: February 21, 2014

On 10/20/2015, I sent the following e-mail to my claims representative, Ms. [redacted]:

"I recently learned that this comprehensive claim was listed as a collision and is being counted against my record. I don’t understand that and am hoping that you can help us to correct this. As a quick reminder, the left rear wheel of our car was hit by a rolling granite boulder during an avalanche on a mountain pass. There were no other vehicles, animals or people involved in this incident and the boulder hit us, not the other way around. I requested to make a comprehensive claim when I filed this report in 2014 and was under the impression that is what happened. In no way was this a collision and I would like to get this fixed/reclassified correctly please."

Ms. [redacted] refused to assist and helped me to understand that I have absolutely no value to Ameriprise as a customer and that I should switch both my home and auto policies away from Ameriprise to another company as soon as possible. I so much appreciate her candor and I would like to follow her advice. The problem is now that she refuses to tell me when the inaccurate claim will drop off my record so that I may move to another insurance company. Other companies can see the "no-fault" collision on my record and want to charge me a higher rate.

On 10/26/2015 at 1014 hours, I called customer service to get the date that the claim will drop off my record and the representative said "never" and then she hung up on me. This is on the recording if anyone cares to review it.Desired Settlement: Correct the record to reflect a comprehensive claim and specify a date when the claim will drop off my record so that I may switch my home and auto policies to another company ASAP.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on October 27,2015. We understand that he disagrees with our decision regarding the claim. We appreciate theopportunity to address his concerns.On February 10,2015 Mr. [redacted] gave a statement regarding the details of the accident that occurred onFebruary 8, 2015. In his statement he advised there was a rockslide in which boulders were falling from themountainside onto the road he was traveling. He stated he swerved to miss a boulder in the road, but hestruck it with the driver's side rear wheel. The adjuster confirmed the boulder was stationary when he hit it.Based on this information, Mr. [redacted] was advised the loss would fall under his Collision coverage, and his$500 Collision deductible would apply. He was also advised this would be considered a not-at-faultaccident. We did not consider this as a Comprehensive loss since he collided with a rock that wasstationary in the road. If a rock falling from the mountain landed on his vehicle, it would then beconsidered under Comprehensive coverage. This claim will appear on Mr. [redacted]'s record for three years.We regret if Mr. [redacted] feels that our decision was not adequately explained to him. However, we havereviewed the recorded phone calls, and can confirm with confidence that our claim representative in noway suggested Mr. [redacted] should switch his policies. Obviously, this would run counter to our entirecustomer service philosophy. Unfortunately, the call Mr. [redacted] made to our Client Service department onOctober 26 was disconnected when he was put on hold so the representative could research his questionregarding how long the accident would stay on his record. When a call is disconnected, ourrepresentatives are instructed to call the client back; we apologize this did not happen in Mr. [redacted]'s case.We will provide additional training to the representative involved.If you have any questions about this information, you may contact me at ###-###-####, Ext. 5613 or[redacted] at ###-###-####, Ext. 5243.Jennifer Lapinskas

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I needed to know how long the claim will remain on my record before I can switch my policies to a different company. The response indicates that the claim will remain on my record for three years. Thank you to Ameriprise for providing the requested information and to the Revdex.com for helping me to find the correct people to speak with to obtain the needed information.

Regards,

Review: We bought insurance from ameriprise auto and home insurance for our new car.

We call them Dec 1st, and got the confirm email from ameriprise Dec. 2nd. But our dealer told us that they didn't get any information from ameriprise till Dec 3rd morning.

On Dec 3rd morning, we called ameriprise, and their representative told us:

1. they have contact the dealer

2. they can't send the file to dealer via fax, they have sent the file through mail.

3. they said they may send the file by a regular envelope or by a overnight envelope. but they don't know what envelope they used to send our file.

We really need our car asap, and we want to know what envelope they used to send our file and how many days we have to wait. So we called ameriprise again at night.

1. their representative told us that they will send our file tomorrow (that means Dec 4th). When we mentioned that their colleague told us they have sent out our file, they changed their words and said they have sent our file in the morning.

2. When we asked what envelope they used, they told us that they used a regular envelope, that means the we have to wait at least 4 business day. And they told me that they used regular envelope because the dealer didn't ask to use a overnight envelop and the overnight envelop is not free. This is the most tricky part. When we purchased the insurance, they asked the dealer's fax number and they contacted with each other by fax. They never told us that they can't send the file to the dealer via fax. And they never told us that they would mail the file through a regular envelope either, that would spend almost a week. In additional, they also never asked us whether we would like to pay a overnight envelop. We would like to pay it! We really need our car asap!

When I ask if it is possible that they send the file again by a overnight envelope and I will pay it. Ameriprise told us they can do nothing for us now.

No one knows when the file will be delivered, how many days we have to wait!

Why they did business like this?

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on December 4, 2014.We understand that he feels there was a delay in our providing the dealership with information necessaryto release a new vehicle to him. We appreciate the opportunity to address his concerns.On December I, 2014, Mr. [redacted] added a 2014 Dodge Caravan to his policy effective for November 29,2014. He stated the dealer would fax us a copy of the RMVI form required to release the vehicle. Laterthat day, we received the RMV I form and discovered the dealer was located in [redacted], not[redacted]. The [redacted] Registry of Motor Vehicles requires a completed RMV I form in orderto register a vehicle in the state. When a vehicle is purchased outside of [redacted], the Registry willnot accept a faxed copy of the RMVI fonn for vehicle registration.We left a message for the insured indicating that we would need the dealer to mail or overnight us theRMV I form, and to inc**de an overnight return envelope with it to expedite its return. Ms. **, Mr. [redacted]'swife, returned our call and we reiterated the information.On December 2, 2014, the dealership emailed us the RMV I form. We responded stating we were unableto electronically complete the fonn, and that they need to overnight the original fonn to us. We also calledthe dealer and left a message with this information.On December 3,2014, the dealer called to verify if we returned the RMV I form. We inadvertently statedthat it was mailed when, in fact, it was not. We also spoke with Ms. **, and also mistakenly infonned herthat we mailed the RMVI form to the dealership.On December 4,2014, Mr. [redacted] called and expressed concern over our inability to fax the RMVI form tothe dealer. We informed the dealer that the [redacted] Registry of Motor Vehicles requires theoriginal RMVI form, and we again asked them to overnight the form to us along with a paid overnightreturn envelope. However, since we misinformed the dealership and our insured about the form status, wechose to download an appropriate RMVI form, complete it, and send it overnight to the dealership at ourexpense.On December 6,2014, we informed Mr. [redacted] that we completed the form and sent it by overnight mail tothe dealer on December 4,2014. He stated the dealer had not received it.Mr. [redacted] followed up on December 8, 2014, and we contacted UPS to verify when the package wasdelivered. We provided Mr. [redacted] with the tracking number, and UPS confirmed it was delivered to thedealership on December 5, 2014 at 10:00 a.m. Later that day, we received the copy of the RMVI formfrom the dealer, which we filled out and returned to them by overnight mail.On December 9,2014, Ms. ** informed us that the dealer did not receive the form. We provided her withthe tracking number for the second overnight package and asked her to contact the dealer with thatinfonnatiol1.On December 10, 2014, we left a message for Mr. [redacted] to contact us so we could confll1n that the dealerreceived the RMV 1 form, and that he was able to pick up his vehicle. To date, we have not received areturn call.We are truly sorry for the frustration our inadveltent oversight caused Mr. [redacted], and regret that theprocess for finalizing the RMV I form took longer than anticipated. It is always our intention to efficientlycomplete all transactions on behalf of our insured and to handle our customers with care. We regret thatwe failed to meet Mr. [redacted]'s expectations.If you have any questions about this infornation, you may contact me at I ###-###-####, Ext. ####.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.