Consolidated Fastfrate Transport Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

  When I initially went to [redacted] for home insurance, the agent, Eric A[redacted] had never mentioned to me that the premium may be adjusted upward.  If I had know I would never have signed up with [redacted] insurance.  I paid the full amount of my premium upfront thinking that this would be the premium amount for the full one year term.  Furthermore, as I had stated, I tried to contact him about this increase and he has not returned my calls. I have not spoken to him or had any correspondence with him except for the invoice that they sent me since my initial visit in January of this year.  I should not be forced to purchase this additional insurance which was unilaterally put on me . 
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

To Whom it may concern,Thank you for forwarding this along.  Based on the notes that are in our system and the agent, Eric A[redacted], Mr. E** had been spoken to on numerous occasions.  Mr. E** did pay for the policy based on the quote that was given.  Once the quote is sent up to...

[redacted] insurance they have a 90 day Underwriting period where the Insurance company can go out and examine the risk and determine the proper amount of coverage needed to protect that risk.  In this case, as you will see below, our agent worked with the client and [redacted] to reduce the premium.  Although not to the original quote price but to the rate that the insurance company was willing to protect that risk for.  This was discussed with the client and a family member by both the agent and [redacted] Insurance services.  Please see the notes below:  ** 1/**/2015 :   Gave insured rate and coverage based on conversation and info insured gave us about home and prior claims.HO3 Policy with Dwelling Replacement cost coverage. Quote was for  $385,000 Dwelling with $1500 deductible with premium of $1366.87[redacted] Policy bound same day, 01/**/15 with an effective date of 1/**/15.[redacted] Follow up documents needed to approve the alarm Discount needed 1/**/15. [redacted] A representative of [redacted] called and set inspection on 1/**/15 with insured.  [redacted] is a service that [redacted] uses to inspect and evaluate the value of a home and address any hazards[redacted] Mueller inspection showed that home was being under insured based on the information that I received from the client.  We then received a notice from [redacted] (02/**/2015) to increase the coverage for the home to match what Mueller determined.  Mueller report showed new dwelling needed to be $606,017, which modified the premium to be $2106.34[redacted]  The agent then reviewed the differences with the client and discovered some errors on the behalf of Mueller.  This was discussed with the client and let Mr. E** know that we would work with underwriting to see if we were able to reduce the overall premium from $2,106.34 based on the changes we discovered.  [redacted] The agent forwarded the adjustments (MSB rebuttal) to Underwriting and they agreed that $606,017 was incorrect and lowered Dwelling to $521,261 with final premium of $1881.79The client paid $1366.87 at the time of the quote and based on the updates and modifications the client has $521.261 of dwelling coverage the brings the premium to $1881.79.  This leaves a premium balance of $520.12 for the Increased coverage.  This was explained to Mr E** a number of times by both member of this office and the service center.  The dates of conversation were 08/**/2015, 10/**/15, 10/**/2015.The home is correctly rated at the value that is stated above.  Our agent and agency did all we could to get it to the proper amount.  The quote is based on information obtained at the time of quote, once that is sent up to the Insurance company, they determine coverage is correct or if there were updates or changes that were needed to properly insure this home.  We discussed this with the client on numerous occasions.  The client is  looking for something that we cannot change.  Please feel free to contact me for any further information.