Cornerstone Agency Services

8/26/15To *** ***,Please be advised that we received the attached complaint from the Revdex.com in our office on August 25, Cornerstone received a claim from *** *** on June 17, On the very same day, June 17, Cornerstone mailed to *** ***, the attached
cover letter, statement of loss form and inventory of contents formOn July 20, 2015, we sent a day follow up letter to *** as we never received her claim documentationOn July 29, we received *** ***'s claim informationWe received the attached “Statement of Loss and notarized inventory of Contents Form” from *** *** which indicates the date of loss is June 16, As per the attached Manager's incident Report and Rental Ledger, *** *** only had insurance coverage until June 11, Thus she had no coverage on the date of lossFurthermore, as per *** ***'s Statement of Loss Form her lock was not on her unit, and thus the cause of loss is theftIn addition, the attached police report dated July 17, does not indicated forcible entryTheft is not a covered a covered cause of loss under the attached policy of insurance that *** *** purchasedI draw your attention to the Certificate of Self-Storage insurance, the paragraph entitled Burglary“The term burglary shall mean the act of stealing property by forcible entry in the storage space described in the Rental Agreement; however, this coverage only applies when such storage space is securely locked at the time of forcible entryVisible signs of forcible entry must be evidentMere absence of a lock or padlock will not constitute forcible entry.”As a result of the investigation, a letter was forwarded to *** *** denying her claim for damages on the basis that her coverage expired prior to the date of loss and that theft was not a covered perilSubsequent to that denial, *** *** alleged that the theft occurred in May, Her claim is not supported by her original statement, the manager's statement or the police reportOur position in this matter remains unchanged.Cornerstone has complied with all regulations and promptly investigated and denied this claimWe appreciate your time and assistance in this matter.Very truly yours,Cornerstone Agency Services

12/10/15To *** ***,We are in receipt of your complaint dated December 2, and attached to this letterHowever, please be advised that as per the attached Declarations Page the policy of insurance that was issued by Cornerstone agency Services was written to *** *** and not ***
***Thus *** *** is not the named insured on the policy and has no standing to file a complaint.Furthermore, a claim was reported to our company on March 13, Please be advised that on March 16, the attached letter was sent to *** *** requesting him to prove his loss by completing a Statement of Loss Form and an Inventory of Contents FormAgain on April 15, the attached letter was sent to *** *** to remind him that we have not received his required claim documentationIn addition, on May 15, we sent another attached letter to *** *** advising him that we have not received his required proof of claim formsFinally, on June 15, we sent a fourth letter, attached, to *** *** advising him that we had not received his required claim documentationPlease note that as of today we still have not received the proof of loss forms from the insured.I call your attention to the Certificate of Self-Insurance(attached) paragraph entitled "Duties You Have After A Loss: You will give prompt notice to Owner at site location and to our authorized representative, listed below, and in case of Burglary also to the police." Furthermore, I call your attention to the paragraph entitled "Examination Under Oath: Before recovering for any loss, if requested, you: aWill permit us to inspect the damaged property before it is disposed of or repaired; bWill send us a sworn statement of loss containing the information we request to settle your claim within days of our request;cWill agree to examination under oath at our request; dWill provide us with all pertinent records needed to prove the loss; and eWill cooperate with us in the investigation or settlement of the loss.*** *** has violated his duties under his policy of insurance as evidenced above and thus no payment is due to *** *** as he has not submitted his claim forms as was requested four times by usFurthermore, *** *** is not the named insured under the policy and has no standing to make a claim.Please let us know if we can be of additional assistance.Very truly yours,Cornerstone Agency Services

July 31, 2015Dear *** ***,Please be advised that the claimant reported a mold claim on June 2, The following day, June 3, 2015, we mailed the claimant the enclosed “Statement of Loss and inventory of Contents Forms”We did not receive the requested documentation back within days,
and subsequently, on July 6, 2015, sent the claimant the enclosed letter advising her that we would be unable to further process the claim until this information was receivedThe following day, On July 7, 2015, we received the requested information from the claimantWe received the requested information from the facility, also enclosed, on July 14, The same day, a denial letter, enclosed, was sent to the insured as damage from mold is an exclusion of the policyPlease be advised that the policy specifically excludes: EXCLUSIONS: We do not insure:bAgainst loss or damage caused by or resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin, mold, mildew, wet or dry rot, atmospheric condition and/or changes in temperature, delay, loss of use or loss of market.Consequently, the claimant is not entitled to receive any monetary compensation for the loss of her items due to this mold damagePlease also be advised that this is a named peril policy of which tenants at self-storage facilities who choose to enroll are covered for their personal property onlyThe selfstorage facility itself is in no way covered under this policyWe take pride in a thorough and quickhandling of all claims.Thank you for your prompt attention to this matter.Sincerely,David M.Relationship Manager

[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:its not right my property is damaged
how can a company be allowed to right an insurance policy that does not benefit the consumer and they know mold or mildew might happen again might happen they should cover it shouldn't be allowed to get away with thissomething was wrong with the storage unit my dad has a unit for awhile in same place and he hasn't had problems with mold or mildew..whos to say the roof wasn't leaking when it rainedand whoever shanelle is at simply storage I was reading one of the documents said I never told them of any damage she lied!!! simp;ly storage is the one who gave me the insurance company number to call on june 1StIf they really don't cover mold and mildew why didn't the insurance agent say that right from the start when I called on june 1,I told her my items was moldedif we can come to some agreement to pay for my pics I would be happy even though my bed is messed up and I paid for my mattress and box spring
Regards,
*** ***

8/26/15
To [redacted],
Please be advised that we received the attached complaint from the Revdex.com in our office on August 25, 2015. Cornerstone received a claim from [redacted] on...

June 17, 2015. On the very same day, June 17, 2015 Cornerstone mailed to [redacted], the attached cover letter, statement of loss form and inventory of contents form. On July 20, 2015, we sent a 30 day follow up letter to **. [redacted] as we never received her claim documentation. On July 29, 2015 we received [redacted]'s claim information. We received the attached “Statement of Loss and notarized inventory of Contents Form” from [redacted] which indicates the date of loss is June 16, 2015. As per the attached Manager's incident Report and Rental Ledger, [redacted] only had insurance coverage until June 11, 2015. Thus she had no coverage on the date of loss. Furthermore, as per [redacted]'s Statement of Loss Form her lock was not on her unit, and thus the cause of loss is theft. In addition, the attached police report dated July 17, 2015 does not indicated forcible entry. Theft is not a covered a covered cause of loss under the attached policy of insurance that [redacted] purchased. I draw your attention to the Certificate of Self-Storage insurance, the paragraph entitled Burglary. “The term burglary shall mean the act of stealing property by forcible entry in the storage space described in the Rental Agreement; however, this coverage only applies when such storage space is securely locked at the time of forcible entry. Visible signs of forcible entry must be evident. Mere absence of a lock or padlock will not constitute forcible entry.”As a result of the investigation, a letter was forwarded to [redacted] denying her claim for damages on the basis that her coverage expired prior to the date of loss and that theft was not a covered peril. Subsequent to that denial, [redacted] alleged that the theft occurred in May, 2014. Her claim is not supported by her original statement, the manager's statement or the police report. Our position in this matter remains unchanged.
Cornerstone has complied with all regulations and promptly investigated and denied this claim. We appreciate your time and assistance in this matter.
Very truly yours,Cornerstone Agency Services

July 31, 2015
Dear [redacted],Please be advised that the claimant reported a mold claim on June 2, 2015. The following day, June 3, 2015, we mailed the claimant the enclosed “Statement of Loss and inventory of Contents Forms”. We did not receive the requested documentation back...

within 30 days, and subsequently, on July 6, 2015, sent the claimant the enclosed letter advising her that we would be unable to further process the claim until this information was received. The following day, On July 7, 2015, we received the requested information from the claimant. We received the requested information from the facility, also enclosed, on July 14, 2015. The same day, a denial letter, enclosed, was sent to the insured as damage from mold is an exclusion of the policy. Please be advised that the policy specifically excludes: EXCLUSIONS: We do not insure:b. Against loss or damage caused by or resulting from wear and tear, gradual deterioration, maintenance, inherent vice, latent defect, moths, insects, rodents, vermin, mold, mildew, wet or dry rot, atmospheric condition and/or changes in temperature, delay, loss of use or loss of market.Consequently, the claimant is not entitled to receive any monetary compensation for the loss of her items due to this mold damage. Please also be advised that this is a named peril policy of which tenants at self-storage facilities who choose to enroll are covered for their personal property only. The selfstorage facility itself is in no way covered under this policy. We take pride in a thorough and quickhandling of all claims.Thank you for your prompt attention to this matter.Sincerely,
David M.
Relationship Manager

12/10/15To [redacted],
We are in receipt of your complaint dated December 2, 2015 and attached to this letter. However, please be advised that as per the attached Declarations Page the policy of insurance that was issued by Cornerstone agency Services was written to [redacted]...

and not [redacted]. Thus [redacted] is not the named insured on the policy and has no standing to file a complaint.Furthermore, a claim was reported to our company on March 13, 2015. Please be advised that on March 16, 2015 the attached letter was sent to [redacted] requesting him to prove his loss by completing a Statement of Loss Form and an Inventory of Contents Form. Again on April 15, 2015 the attached letter was sent to [redacted] to remind him that we have not received his required claim documentation. In addition, on May 15, 2015 we sent another attached letter to [redacted] advising him that we have not received his required proof of claim forms. Finally, on June 15, 2015 we sent a fourth letter, attached, to [redacted] advising him that we had not received his required claim documentation. Please note that as of today we still have not received the proof of loss forms from the insured.
I call your attention to the Certificate of Self-Insurance(attached) paragraph entitled "Duties You Have After A Loss: You will give prompt notice to Owner at site location and to our authorized representative, listed below, and in case of Burglary also to the police." Furthermore, I call your attention to the paragraph entitled "Examination Under Oath: Before recovering for any loss, if requested, you:
a. Will permit us to inspect the damaged property before it is disposed of or repaired;
b. Will send us a sworn statement of loss containing the information we request to settle your claim within 60 days of our request;
c. Will agree to examination under oath at our request; d. Will provide us with all pertinent records needed to prove the loss; and e. Will cooperate with us in the investigation or settlement of the loss.**. [redacted] has violated his duties under his policy of insurance as evidenced above and thus no payment is due to **. [redacted] as he has not submitted his claim forms as was requested four times by us. Furthermore, [redacted] is not the named insured under the policy and has no standing to make a claim.
Please let us know if we can be of additional assistance.
Very truly yours,
Cornerstone Agency Services

Review: I am trying to collect on money owed to me from an insurance claim where my unit, as well as, other units were broken into. I have tried several times to contact this company and left messages for someone to call me back (8/16/2013-8/20/2013). As of yet no one has called me back. I submitted all the information required of me and I am being told that I need to submit information they said they did'nt receive yet the information they said they didn't receive they sent it back to me.Desired Settlement: I would like to receive an insurance amount(that I was covered under) which comes no where near the amount for the items I have lost.

Consumer

Response:

Yes,I purchased the insurance at the time of getting the storage unit. There is another name [redacted] Insurance Company and I assume Cornerstone are affiliated in some way (or they are one big company) and that they (Cornerstone) may handle the claims because they are the ones that requested the information about the claim. In which, I sent them the information and called and as of yet; I have not received a return phone call from the company.

Business

Response:

10-7-2013

To [redacted],

We received the attached compiaint from you dated September 30,2013. Please be advised that **. [redacted] filed his claim with our office on August 19, 2013. On August 20, 2013 we sent **. [redacted] the attached letter requesting proof of his claim and requiring that **. [redacted] provide us with the Statement of Loss, a notarized Inventory of Contents form and a police report to prove evidence of forced entry. On September 9, 2013 we received the attached proof of claim forms from the insured. However, **. [redacted]'s Inventory of Contents form was not notarized and he did not provide us with a police report.

On September 11, 2013 the attached letter was sent to **. [redacted] requesting a police report before we are able to process the claim. On October 7, 2013 we sent **. [redacted] a second letter, again requesting the police report and a notarized Inventory of Contents. We have also called **. [redacted] on August 19, 2013, September 17, 2013 and October 4, 2013 (see notes) to request the aforesaid documents.

Consequently, as you can see from a review of the documents provided that **. [redacted]'s complaint has no merit as we have been in contact with him through letter and telephone several times. Furthermore, we are awaiting **. [redacted] to comply with our letters for a police report and a notarized Inventory of Contents form before we settle the claim.

Thank you for your attention to this matter.

Very truly yours,