Bear River Mutual Insurance Company

Complaint: [redacted] I am rejecting this response because:We were informed by Farmer's Insurance immediately after the accident happened that, because the then-current insurance on the vehicle wouldn't really cover anything, we were responsible for going to Bear River to pay for the damages Which is why we've spent the past months attempting to call and email them with absolutely no response We would have been able to explain the situation if they would have actually picked up a phone and returned any of the calls we made.Additionally, their facts are wrong The USAA vehicle was the one that had damage to the rear driver's side Bear River's insured hit my car on the front passenger's side and ripped the front bumper almost entirely off (see the attached pictures from the scene of the accident) I've attached the towing receipt and the collision repair receipt I expect to be completely reimbursed for a total of $2, Sincerely, [redacted] ***

This was a car accident involving a Bear River Mutual insured, a Farmers insured and a USAA insuredOnce Bear River received the claim, statements from all involved parties had to be obtained, as well as the police reportOnce the investigation was completed, it was determined that Bear River owed for 100% of the USAA vehicle damages, but would only owe for the rear driver side damage of the Farmers vehicleThe Farmers insured made a claim through that company for the repairs and towBear River is currently waiting for a subrogation demand from FarmersOnce that is received, we will pay the portion of the vehicle damage and tow that is owed

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] I will move forward with their dispute process as I am required by their policyI will notify the Revdex.com if the dispute is unable to be resolvedThank you Sincerely, [redacted]

We have reviewed the information provided in the complaint # [redacted] A claim was reported November 2nd for hail damage that occurred to our insureds home August 10th The home was inspected November 4th by our adjusterThe adjuster’s inspection of the roof showed damage to the roof that was not consistent with hail damageAfter discussing the claim with a manager it was determined that we should have the roof inspected by an Engineer to help determine the cause of the damageWe hired a Forensics Engineering firm for that inspectionThe home was inspected November 9th During his inspection the engineer noted hail damage to some areas of stucco and rain gutters as well as some water damage to the interior of the garage that occurred during the same stormThe engineer also inspected the roof and determined “Shingles on all facets exhibited small holes near the top of the exposed portion, just under the overlying course” his comment about the holes were “These holes are not characteristic of damage from hailstones impactsThese holes are most likely the result of a manufacturing anomaly or rough handling during installation or both”An estimate was obtained from a local Restoration Company for the related damage and a check was sent for $2,less their deductible.The homeowner has had several roofing companies tell him there is hail damage to the roofSo we have a difference of opinion as to whether the roof problem is related to the hailstorm or something unrelatedThe policy does provide a provision for a dispute to be resolved and we are willing to proceed to the appraisal process outlined in the policy and adhere to the outcome of that process.EAppraisal If you and we fail to agree on the amount of loss, either may demand an appraisal of the lossIn this event, each party will choose a competent and impartial appraiser within days after receiving a written request from the otherThe two appraisers will choose an umpireIf they cannot agree upon an umpire within days, you or we may request that the choice be made by a judge of a court of record in the state where the "residence premises" is locatedThe appraisers will separately set the amount of lossIf the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of lossIf they fail to agree, they will submit their differences to the umpireA decision agreed to by any two will set the amount of lossEach party will: Pay its own appraiser; and Bear the other expenses of the appraisal and umpire equally

Complaint: [redacted]
I am rejecting this response because:We were informed by Farmer's Insurance immediately after the accident happened that, because the then-current insurance on the vehicle wouldn't really cover anything, we were responsible for going to Bear River to pay for the damages.  Which is why we've spent the past 3 months attempting to call and email them with absolutely no response.  We would have been able to explain the situation if they would have actually picked up a phone and returned any of the calls we made.Additionally, their facts are wrong.  The USAA vehicle was the one that had damage to the rear driver's side.  Bear River's insured hit my car on the front passenger's side and ripped the front bumper almost entirely off (see the attached pictures from the scene of the accident).  I've attached the towing receipt and the collision repair receipt.  I expect to be completely reimbursed for a total of $2,085.28.
Sincerely,
[redacted]

This was a 3 car accident involving a Bear River Mutual insured, a Farmers insured and a USAA insured. Once Bear River received the claim, statements from all involved parties had to be obtained, as well as the police report. Once the investigation was completed, it was determined that Bear River...

owed for 100% of the USAA vehicle damages, but would only owe for the rear driver side damage of the Farmers vehicle. The Farmers insured made a claim through that company for the repairs and tow. Bear River is currently waiting for a subrogation demand from Farmers. Once that is received, we will pay the portion of the vehicle damage and tow that is owed.

We have reviewed the information provided in the complaint #[redacted]A claim was reported November 2nd 2016 for hail damage that occurred to our insureds home August 10th 2016. The home was inspected November 4th 2016 by our adjuster. The adjuster’s inspection of the roof showed damage to the roof...

that was not consistent with hail damage. After discussing the claim with a manager it was determined that we should have the roof inspected by an Engineer to help determine the cause of the damage. We hired a Forensics Engineering firm for that inspection. The home was inspected November 9th 2016. During his inspection the engineer noted hail damage to some areas of stucco and rain gutters as well as some water damage to the interior of the garage that occurred during the same storm. The engineer also inspected the roof and determined “Shingles on all facets exhibited small holes near the top of the exposed portion, just under the overlying course” his comment about the holes were “These holes are not characteristic of damage from hailstones impacts. These holes are most likely the result of a manufacturing anomaly or rough handling during installation or both”. An estimate was obtained from a local Restoration Company for the related damage and a check was sent for $2,442.90 less their deductible.The homeowner has had several roofing companies tell him there is hail damage to the roof. So we have a difference of opinion as to whether the roof problem is related to the hailstorm or something unrelated. The policy does provide a provision for a dispute to be resolved and we are willing to proceed to the appraisal process outlined in the policy and adhere to the outcome of that process.E. Appraisal If you and we fail to agree on the amount of loss, either may demand an appraisal of the loss. In this event, each party will choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the "residence premises" is located. The appraisers will separately set the amount of loss. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of loss. Each party will: 1. Pay its own appraiser; and 2. Bear the other expenses of the appraisal and umpire equally.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. I will move forward with their dispute process as I am required by their policy. I will notify the Revdex.com if the dispute is unable to be resolved. Thank you
Sincerely,
[redacted]