Call My Realtor, Corp.

February 14, 2017, [redacted] Revdex.com serving Metro Washington DC and Eastern PennsylvaniaKSTNW 10" FLOORWASHINGTON DC2OOO5-34O4.ID # [redacted] RE: [redacted] ***Dear [redacted] :In reference to the receipt of the complaint submitted by [redacted] , below is the response to the complaint:We are a third party administrator that handles claims on behalf of [redacted] ***.We did receive a claim from [redacted] regarding damage to a wedding dress and a scentsy warmer as well as gray down pillows (missing) on 11/03/(exhibit A).Paperwork included in the move is a "Declaration of Value Inventory" sheetThis is for items of value in excess of $per pound(exhibit B) this form was signed by the customer with no notation of any high value items.In addition the household goods descriptive inventory and customer check off sheet (exhibit C & D) were also signed with no notations of any damage while in the care and custody of [redacted] ***.The dress was inspected by a local repair firm, (exhibit E) it was suggested by the repair firm to take the dress to an alterations repair shopIt was noted that the dress could not be repaired at that particular shop.At this point it was discussed that she take the dress to the establishment where the dress was purchasedIt was then discussed that the establishment would reach out to the designer of the dress to see if the lace portion could be repaired/replaced.We feel the amount of $was a fair and reasonable settlement based on:Special Risk Solutions

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: it is ridiculous to suggest that the dress was damaged prior to the moveThe crew could have documented damages on the inventory checklist, but they didn't, because the dress wasn't damaged prior to the move! It was packed by [redacted] Lines in a box with metal hooksMetal vslace does not workIt's also ludicrous to suggest the way I unpacked caused the tearsI opened the box and removed the items-pretty standard method [redacted] Lines utilized wardrobe boxes for most of the itemsin my closet, but chose to ball up my wedding dress and put it in a box with a hook rackI think it's pretty obvious were the damage came from.The expectation was that all of my items should have been packed properly, regardless of their valueIt is ludicrous that you are suggesting a form was required to advise a crew to pay attention to what they were doing only because the item was expensive No one with common sense should put a lace wedding dress in a box with metal hanging racks!The excuses and placing the blame on me is infuriatingThis is terrible customer serviceI notified [redacted] Lines immediately of the damage and they apologized profusely and assured me I would be properly reimbursedThe dress was packed with metal hooksIt's pretty clear how the dress was tornIt should have been packed like the rest of my clotha wardrobe box, not balled up-and my dress would not have been damagedI provided the receipt, and expect to be reimbursed for my dress, not given an arbitrary amount of money and excuses Regards, [redacted]

May 12, 2016Revdex.com K Street NW10" Floor Washington, DC 20005-Attn: *** ***RE: *** *** -Revdex.com Complaint # ***Dear Mr***:We are in receipt of your follow up email to *** ***, which also includes additional comments that have been offered by Mr***.The last response we sent [copy included details the reasons we are unable to consider the - supplemental claim that was filed by Mr***With regard to the 2/12/email sent by Chris D*** of our company to Mr***, stating “We have reviewed your file again with the underwriters and based on the signed delivery documents and no written exceptions, we will be able to honor your claim for the missing camera items", the context of this statement clearly demonstrates that it was Chris' intention to have stated “we will not be able to honor your claim.” This was subsequently addressed by Chris în another email.Mr***, I'm not sure what more we can offer in terms of a response, which has not already been stated in my letter to you dated 4/19/If you require anything further, please let us know.Sincerely,

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

Customer: *** *** Insured: ***, IncDate of Discovery: 08/15/Incident #: *** Revdex.com Case it: ***Dear *** ***,XN Financial Services, Incinsures ***, Incfor *** *** *** *** *** *** Insurance Coverage under policy ***, with a policy effective
date of November 01, 2015, until October 31, The effective dates of coverage on the above referenced property are August 2, until August 16, UNIRISC, Inc acting on behalf of XN Financial Services has completed the investigation of the claim.Our investigation has established that the damage was the result of improper packing and/or shifting of contents in the containerSince the customer either hires their own packing service or they pack the containers themselves, damages resultant from loading or shifting of contents is a specific exclusionThere was no container damage found to indicate mishandling of the container and both locations confirmed there were no problems with the handling of the containerHowever, as a gesture of good will, we have forwarded a settlement offer to *** ***, copy attachedUpon receipt of a signed and notarized release, the good will settlement will be processed and the claim closed as resolved.If you have specific questions or concerns regarding this correspondence, please contact me

October 24, 2016Revdex.com K Street NW, 10" Floor Washington, DC 20005-Attn David DennisRE: Claim Number: ***Customer: *** *** Insured: ***, ***Date of Discovery: 09/12/Incident it: *** Revdex.com Case i: ***Dear *** ***,** *** *** ***
insures ***, Incfor *** *** *** *** *** *** Insurance Coverage under policy ***, with a policy effective date of November 01, 2015, until October 31, The effective dates of coverage on the above referenced property are August 27, until September 12, UNIRISC, Inc acting on behalf of ** *** *** has completed the investigation of the claim.According to the terms and conditions of the policy, unless there a definite signs of forced entry, coverage for theft and/or missing items are not coveredPlease note that *** does not retain the customer's keys or combinations and does not have access to the Contents of the containers once they are locked.However, as a gesture of good will, we have forwarded a settlement offer to *** ***, copy attachedUpon receipt of a signed and notarized release, the good will settlement will be processed and the claim closed as resolved.If you have specific questions or concerns regarding this correspondence, please contact me,October 27, 2016*** *** *** *** Providence, RI ***RE: Claim Number: ***Customer: *** *** Insured: ***, IncDate of Discovery: 09/12/Incident #: ***Dear *** ***,** *** *** *** insures ***, Incfor *** *** *** *** *** *** Insurance Coverage under policy ***, with a policy effective date of November 1, 2015, until October 31, The effective dates of coverage on the above referenced property are August 27, until September 12, UNIRISC, Inc acting on behalf of ** *** *** has completed the investigation of the claim.Our investigation has established that there was no indication the reported loss to your property is a covered lossTherefore, as a gesture of good will and in an effort to resolve this matter amicably, we are offering a settlement of $573.71, per the attached adjustment statement, in resolution of the claimIn accordance with your policy, the deductible of $is being applied to the Actual Cash Value of $In order for us to prepare a release, please provide your full legal name and if applicable that of a spouseWe will then forward you a release to be completed and returnedUpon receipt of the release and our authorization of the payment a check will follow within business days.Please note that your coverage is not a Replacement Cost Policy, rather it is Actual Cash Value, which means that depreciation does apply based on the of an item, kindly refer to the *** Contract for the Contents Protection Addendum.By stating our coverage position, ** *** *** *** in no way intends to waive or be estopped in regard to any other basis of determining coverage which may or may not be presently apparentIf you obtain any information, whether or not requested herein, which may be pertinent to our investigation, we ask that you forward it to us immediately for our review and consideration.If you have specific questions or concerns regarding this correspondence, please contact meW*** Vice President-Claims ***.comcC: *** *** ***, IncSpecial Risk SolutionsWashington, DC Paramus, NJ Lombard, IL Dallas, TX Toronto, ON Norco, CA Orlando, FL UNIRISC, INC.???*** *** ??? Orlando, FL *** ** :: UNIRISCADJUSTMENT STATEMENTCLAMANT NAME: *** *** CLAIME: *** INCIDENT: ***Item description Amount Less Amount ExplanationClaimed Depreciation AllowedStand Mixer $$$Depreciated Value Hand Mixer $$$Depreciated Value Coffee POt $$$Depreciated Value Electric Can Opener S$$11.99Depreciated Value MicroWave Oven $$80.OO $119.99Depreciated Value Toaster SS$17.99Depreciated Value CK POIt S$$20.99Depreciated Value Knife Block $$$35,99Depreciated Value Electric Knife S$$Depreciated Value FOOd PrOCeSSOr $$$Depreciated Value Mini Chopper S$$Depreciated Value *** *** Grill $$$17.99Depreciated Value Blender $$$Depreciated Value Bread Machine SS4O.OO $59.99Depreciated Value All Cooking Utensils $$$Depreciated Value Baking Dish Set $S$17.99Depreciated Value Metal File Box with Paperwork SO$0.001-...-S0.90No Coverage Subtotals $Less Deductible (S100.00) Total $

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. I will reopen the complaint if I do not receive the check in the time frame allocatedAlthough the responses were delayed, they were able to finally get this claim processedThank you for the assistance
Regards,
*** ***

September 27, 2016The Revdex.com ID #***Dear Mr***,We received the customer's claim and were unable to honor the full amount as the provisions of the policy were not met.There are specific requirements and procedures to follow when submitting a claim; the customer is provided
with a relocation packet prior to their relocation that explains their responsibilities as the owner.Per policy provisions, items claimed missing must be noted as such at the time of delivery on the delivery paperwork in order for consideration to be givenThe customer is provided a check off sheet at delivery to ensure all items that were loaded at origin are delivered at destinationIt is their responsibility to check off as confirmation that all have been receivedThis is standard procedure across the moving industry.The customer signed the Inventory Control Form acknowledging they had checked off the form as well as acknowledging everything was received.I have attached a copy of the customer check off sheet as well as the documents for your reviewThe numbers on the check off sheet correspond with the inventory numbers found inthe far left column of the Household Goods Descriptive Inventory.The claim was concluded in May, my last correspondence with the customer was on 06/29/i have not received any voice mails, e-mails or other messages from this customer.Please let me know if I can provide additional information.Very truly yours, Karen L

*** *** *** *** File is ***Dear *** ***:We received your claim form 3/28/for items stated to be damaged as a result of your company-assigned relocation from NY to SC with delivery on 12/30/The items claimed are:- *** *** - autographed motorcycle helmetA local independent
appraiser was assigned to inspect the rear gate of the vehicle that no longer opensTheir report indicates there was no sign of external damage that may have contributed to the malfunctionThe operational condition of any vehicle is subject to problems from age, wear and usageCoverage for the move excludes electrical, mechanical and/or electromechanical problems.Approximately a week after the vehicle was inspected, you have reported that the key fob no longer operates and that the battery was drained and non-rechargeable stating the appraiser was responsibleUnfortunately, we cannot hold the appraiser liable for the additional problems you are reporting.With regard to the autographed helmet, you have claimed that the signature (unknown racer) is ruined and the amount claimed for the helmet is $2,The photos you provided show the helmet in an AGV cartonYou advised that the helmet is new with tags, in the original packaging and hand-signedThe helmet appears to have signs of wear such as dirt, Scrapes, etcin addition to a smudged signature.The carton itself is not crushed, dented, mangled or water spotted to suggest mishandling or affected by any packing paper used to protect the carton and thereby the contents inside.There is a notation pertaining to the helmet, as you knowThe actual condition of the helmet was not verified prior to transportTherefore, we were unable to substantiate that the signature was damaged due to negligence or mishandling on the part of the moving crew.We have attempted to evaluate your claim as fully as possible and unfortunately, we are unable to accept liability for items claimed.Jóan *

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
An email provided on February 12, at 13:EST was sent to me prior to the denial of paymentIt stated, "Hi ***, we have reviewed your file again
with the underwriters and based on the signed delivery documents and no written
exceptions, we will be able to honor your claim for the missing camera items." I then asked for confirmation of this statement and then after several days, UNIRISC said that my claim was declinedKeep in mind this was a staggering five (5) months after submission of my claim.After admitting they misplaced my documents, then saying it would pay it, then saying it would not, it is apparent that the representatives from UNIRISC mishandled this from start to finish and was attempting to delay my ability to make a complaint by using excessive time in responding to meIn fact, there was no response unless I initiated contact.UNIRISC only provided documents after I filed a case with the Revdex.comI question the authenticity and accuracy of these after-the-fact documents as well as the process on how claims are handled as the unresponsive representative at UNIRISC had shown in my case. I seek an amicable solution to my claim
Regards,
*** ***

February 23, 2017,*** *** Revdex.com serving Metro Washington DC and Eastern PennsylvaniaKSTNW 10" FLOORWASHINGTON DC 20005-3404ID # ***RE: *** *** *** ***Dear *** ***:In reference to the rebuttal of the complaint submitted by *** ***, below is the response to the rebuttal:Please note: our responses are in bold.We are a third party administrator that handles claims on behalf of *** *** *** ***.We did receive a claim from *** *** regarding damage to a wedding dress and a scentsy Warmer as well as gray down pillows (missing) on 11/03/(exhibit A).Paperwork included in the move is a "Declaration of Value inventory" sheetThis is for items of value in excess of $per pound(exhibit B) this form was signed by the customer with no notation of any high value items.As stated by *** *** she unpacked the carton that the dress was inWe have no way of knowing if the dress was damaged by the customer as it was pulled out of the cartonEssentially, we have no real proof this damage took place during the coverage period.In addition to *** ***'s rebuttal regarding the "Declaration of Value inventory," the reference of jewelry and coins etcis to notify the customer that these items are not covered if the customer chooses to add them to the listBased on the value of the wedding dress it warranted being listed on the Declaration of Value Inventory.Despite the lack of proof of this being a covered claim, we did proceed to offer settlement based on what our research concluded was a "like kind and quality" dressCoverage is not based on what maySpecial Risk Solutions

We are sorry for the delay in responding.  The claims manager has been out addressing critical health issues.
Our documents are now attached.
Very truly yours,
Teresa J[redacted]

May 13, 2016Revdex.com 1411 K Street, 10" Floor Washington, DC 20005-3404 Attn. [redacted]RE: Claim Number: [redacted]Customer: [redacted]b [redacted] Insured: PODS, Inc. Date of Discovery: 03/03/2016 Incident #: [redacted] Revdex.com Case #: [redacted]Dear Mr. [redacted],[redacted] Services, Inc. insures PODS, Inc. for Commercial Inland and Worldwide Cargo Marine Insurance Coverage under policy [redacted], with a policy effective date of November 01, 2015, until October 31, 2016. The effective dates of coverage on the above referenced property are January 8, 2016 until March 2, 2016. UNIRISC, Inc acting on behalf of [redacted] Services has completed the investigation of the claim.Thank you for providing the customer's additional comments. Unfortunately, as previously stated our investigation has established that the damage was not a covered cause of loss.However, as a gesture of good faith and in an effort to resolve this matter amicably, underwriters have agreed to a good will settlement of 50% of the amount claimed for an offer of $5,350.00. A copy of the letter sent to Mr. [redacted] has been attached for your records.Upon notification of his acceptance of the offer, a release will be sent to Mr. [redacted] to have signed and notarized so that payment can be processed.If you have any questions or concerns regarding this correspondence, please feel free to contact me.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: this answer still does not explain why there is a form after unpacking for missing items,if you cannot insure after the boxes are delivered, and still no apology. A lot of my emails and calls were to the company after Karen lasasseater would not respond to my emails asking for her supervisors info and even threatening to report her to the Revdex.com if she could not respond. I can attach a copy of this email if needed. 
[redacted]

Regrettably, [redacted]'s adjuster, Cindy F[redacted], has been out on leave for an extended time and is not expected to return for several weeks.  Her supervisor, Deborah W[redacted], has been in contact with [redacted] the last couple of weeks.  The review was completed on 09/21 and a settlement...

offer emailed to [redacted]. 
Should you have any questions, please feel free to contact us.

Hi there,I wrapped all the breakable items in bubble wrap, then I put the items in the bubble wrap in blankets and towels. They I put them in a cardboard box. They head of the wooden doll wouldn't have fell off unless the container was slammed to the ground.  The finally the insurance company came back with an amount to pay for my damage. Now, they want me to notarize the form to make things more expensive for me and they issuance of the payment a longer process.Thanks
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

Customer: [redacted] Insured: [redacted]incident #: [redacted]Dear [redacted],Unirisc, Inc., acting as the third party administer of the [redacted] insurance, received an emergency claim from [redacted] on November 6, 2017 due to damages from the household goods shipment...

delivered to her home on November 5", 2017.After an inspection by The [redacted] on November 7, 2017, an immediate wire transfer in the amount of $1,500.00 was sent to [redacted] as compensation for the twin platform bed and an allowance for purchasing 3 air mattresses.Replacement parts for the king bed were obtained, and installation was attempted on December 1, 2017, unfortunately, assembly was unsuccessful.[redacted] located replacement furniture and provided internet links to Unirisc for replacement of the bedroom set. She was contacted on December 7, 2017, and agreement was made with Unirisc and the customer to replace the bedroom set at her requested claimed amount of $4,463.00. Any additional delivery, sales tax and/or assembly will be reimbursed above and beyond this settlement, upon receipt of the sales purchase invoice.Unirisc Inc. will exercise the salvage rights, and picked up the damaged bedroom set from her home prior to delivery of the replacement bedroom set.At this time, [redacted] was satisfied with the resolution of this issue.

September 20, 2017Revdex.com 1411 K Street NW, 10" Floor Washington, DC 20005RE: Claim Number: [redacted]Customer: [redacted] Insured: [redacted], Inc. Date of Discovery: 07/06/2017 incident #: [redacted] Revdex.com Case it: [redacted]Dear [redacted],[redacted]. insures [redacted],...

Inc. for [redacted] under policy [redacted] with a policy effective date of January 1, 2017, until December 31, 2017. The effective dates of coverage on the above referenced property are November 14, 2016 until July 6, 2017. UNIRISC, Inc acting on behalf of [redacted] has completed the investigation of the claim.Our investigation has established that the damage was the result of improper packing and/or shifting of contents in the container. Since the customer either hires their own packing service or they pack the Containers themselves, damages resultant from loading or shifting of contents is a specific exclusion. However, as a gesture of good will, we have forwarded a settlement offer to [redacted] in the amount of $672.00 less her deductible of $100.00, see attached letter. Upon receipt of a signed and notarized release, the good will settlement will be processed and the claim closed as resolved.If you have specific questions or concerns regarding this correspondence, please contact me.Deborah ** W[redacted] Vice President-Claims [redacted]@unirisc.com

The complaint has been forwarded to the responsible party here at UNIRISC and we will be composing a response shortly.May 11, 2016Revdex.com 1411 K Street, 10" Floor Washington, DC 20005-3404 Attn. [redacted]RE: Claim Number: [redacted]Customer: [redacted] Insured: PODS, Inc. Date...

of Discovery: 03/03/2016 Incident #: [redacted] Revdex.com Case #: [redacted]Dear Mr. [redacted],[redacted] Services, Inc. insures PODS, Inc. for [redacted] Insurance Coverage under policy [redacted], with a policy effective date of November 01, 2015, until October 31, 2016. The effective dates of coverage on the above referenced property are January 8, 2016until March 2, 2016. UNIRISC, Inc acting on behalf of [redacted] Services has completed the investigation of the claim.Our investigation has established that the damage was the result of improper packing and/or shifting of contents in the container. Since the customer either hires their own packing service or they pack the containers themselves, damages resultant from loading or shifting of contents is a specific exclusion.In addition, the customer has also alleged that someone accessed the container, the PODS location has advised that no one had access to the container and the first notification of this matter to PODS was after the container had been picked up empty from Mr. [redacted], approximately 10 days after the redelivery. Since there is no coverage for breaking and entering while the container is onsite with the customer and not in the care, custody and control, we cannot confirm that this reported damage is a covered cause of loss.Therefore, a letter maintaining our position in this matter has been sent to Mr. [redacted], a copy is attached for your records.If you have specific questions or concerns regarding this correspondence, please feel free to contact me.

February 14, 2017,[redacted] Revdex.com serving Metro Washington DC and Eastern Pennsylvania1411 KST. NW 10" FLOORWASHINGTON DC2OOO5-34O4.ID # [redacted]RE: [redacted]Dear [redacted]:In reference to the receipt of the complaint submitted by [redacted], below is the response to the...

complaint:We are a third party administrator that handles claims on behalf of [redacted].We did receive a claim from [redacted] regarding damage to a wedding dress and a scentsy warmer as well as 2 gray down pillows (missing) on 11/03/16. (exhibit A).Paperwork included in the move is a "Declaration of Value Inventory" sheet. This is for items of value in excess of $100.00 per pound. (exhibit B) this form was signed by the customer with no notation of any high value items.In addition the household goods descriptive inventory and customer check off sheet (exhibit C & D) were also signed with no notations of any damage while in the care and custody of [redacted].The dress was inspected by a local repair firm, (exhibit E) it was suggested by the repair firm to take the dress to an alterations repair shop. It was noted that the dress could not be repaired at that particular shop.At this point it was discussed that she take the dress to the establishment where the dress was purchased. It was then discussed that the establishment would reach out to the designer of the dress to see if the lace portion could be repaired/replaced.We feel the amount of $1500.00 was a fair and reasonable settlement based on:Special Risk Solutions