Crowne Plaza Louisville Airport

This
letter is in response to the inquiry received from your office on February 12,
Our
policyholders, [redacted] and [redacted]
[redacted], submitted a claim on January 22,
2016, for water damage to their master bathroom and master closet. We spoke to Mrs[redacted] on January 22,
2016, and she advised that there is a crack by the drain in the shower; she
further advised she had [redacted] Construction inspect the damage and the contractor
advised her that it appeared that water might have been leaking through the
crack for months and possibly for years.
We advised her that we would inspect the damage to determine coverage
We
retained the services of an independent adjuster, [redacted], to inspect
Mrand Mrs[redacted]'s home. Mr
[redacted] inspected the home on January 27, 2016. During the inspection, Mr[redacted]
confirmed the presence of several cracks in the tile grout around the shower
drain. He also confirmed the presence of
water damage due to repeated leakage and seepage to the sub floor and
insulation below the shower, as well as, water damage to the drywall and carpet
in the master closet
Based
on the inspection, we determined that we can extend coverage for the water
damage to the drywall and carpet in the master closet; however, the cost to
repair this damage is below the $1,policy deductible. This damage is eligible for coverage as the
damage to the drywall and carpeting does not show evidence of being due to
repeated leakage and seepage of water over an extended period of time
We
are, unfortunately, unable to provide coverage for the necessary repairs to the
sub floor and the insulation as the inspection revealed that these building
components have been damaged over time by the repeated leakage of water from
the cracks in the tile grout lines every time the shower is used. The sub floor shows evidence of repeated
staining and microbial growth. Under the
terms of the homeowner's policy that Mrand Mrs[redacted] have with Nationwide
Insurance Company of America, we cannot provide coverage for damage due to
repeated leakage and seepage from a plumbing system. Additionally, the policy excludes from
coverage damage due to mold or fungus unless the mold or fungus is due to a
covered cause of loss. In this instance,
the cause of the loss is specifically excluded from coverage
The
Homeowners Comprehensive Form policy (0100), pages through of 28,
states in part:
SECTION I
– PERILS INSURED AGAINST
THIS
SECTION ALSO CONTAINS EXCEPTIONS TO OR EXCLUSIONS FROM COVERAGE
We insure against risk of direct physical loss
to property described in Coverages A and
B and C
We do not insure, however, for loss:
A. Under Coverages A, B
and C:
1. Excluded
under SECTION I - EXCLUSIONS;
2. Caused by:
dConstant or repeated seepage or leakage of water or steam
over a period of weeks, months or years from within:
1) A plumbing, heating,
air conditioning or automatic fire protective sprinkler system or a household
appliance on the "residence premises"; or
2) A storm drain or water,
steam or sewer pipes off the "residence premises"
For purposes of this
provision, a plumbing system or household appliance does not include a sump,
sump pump or related equipment
or a roof drain, gutter, downspout or similar fixtures or equipment; or
e. Any of the following:
1) Wear and tear,
marring, deterioration;
2) Mechanical breakdown,
latent defect, inherent vice, or any quality in property that causes it to
damage or destroy itself;
3) Smog, rust or other
corrosion, fungi, fungus, mold, wet or dry rot;
4) Smoke from agricultural
smudging or industrial operations;
5) Discharge, dispersal,
seepage, migration, release or escape of pollutants unless the discharge,
dispersal, seepage, migration, release or escape is itself caused by a Peril
Insured Against under Coverage C of
this policy
"Pollutants" means any
solid, liquid, gaseous or thermal irritant or contaminant, including smoke,
vapor, soot, fumes, acids, alkalis, chemicals and waste. Chemicals include, but are not limited to,
petroleum, petroleum derivatives, petroleum synthetics and farm chemicals. Waste includes materials to be recycled,
reconditioned or reclaimed;
6) Settling, shrinking,
bulging or expansion, including resultant cracking, of bulkheads, pavements,
patios, footings, foundations, walls, floors, roofs or ceilings;
7) Birds,
vermin, rodents, insects or animals; or
8) Tree, shrub, or bush
roots
Exception to 2.e
Unless the loss is
otherwise excluded, we cover loss to property covered under Coverage A or B resulting from an accidental
discharge of overflow of water or
steam from within a:
Plumbing, heating, air
conditioning or automatic fire protective sprinkler system or household
appliance on the "residence premises".
This includes the cost to tear out and replace any part of a building,
or other structure, on the "residence premises", but only when necessary to
repair the system or applianceHowever, such tear out and replacement coverage only applies to other structures if
the water or steam causes actual damage to a building on the "residence
premises"
We do not cover loss to
the system or appliance from which this water or steam escaped
For purposes of this
provision, a plumbing system or household appliance does not include a sump,
sump pump or related equipment or a roof drain, gutter, downspout or similar
fixtures or equipment
SECTION I - EXCLUSION A.3. Water Damage, paragraphs aand cthat apply to surface water and water below the surface of the
ground do not apply to loss by water covered under Exception to 2.eabove
Under A.2.aand eabove, any ensuing loss to property described in Coverages A and B and C not precluded by
any other provision in this policy is covered
The Fungi or Bacteria
Endorsement (1201) provides the following:
FUNGI OR BACTERIA ENDORSEMENT
The limit of liability applies to the total of
all loss payable under this endorsement, regardless of the number of
"occurrences", the number of claims made, or the number of locations insured
under this endorsement and listed in this Schedule
SECTION I – PROPERTY
COVERAGES
E. ADDITIONAL COVERAGE
18.
"Fungi" or Bacteria
b. The coverage describe in 18.aonly applies when such loss or costs are a result of a Peril
Insured Against that occurs during the policy period and only if all reasonable
means were used to save and preserve the property from further damage at and
after the time the Peril Insured Against occurred
Unfortunately,
based on the policy provisions of Mrand Mrs[redacted]'s homeowner policy, we
are unable to assist them with all of the repairs needed in their bathroom
We have
spoken to Mrs[redacted] and have advised her of our coverage decision and the
reasons why coverage cannot be provided for the damage to her bathroom. Additionally, we have sent them a letter
explaining our coverage decision and providing the applicable policy language
for their review
If you
require further assistance in this matter, please contact our Customer Relations
Coordinator, [redacted], toll-free at ###-###-####, Extor by email at [redacted]@nationwide.com

Dear [redacted]Thank you for the opportunity to respond to the Revdex.com regarding policynumber [redacted] for [redacted] and to address her concerns about the policy.On 03/15/2011, [redacted] purchased a six month insurance policy from ** [redacted] with a bill...

plan of 16.7% down and 5 installments. The policy last renewedinto the term beginning 09/15/2014 when the renewal offer was accepted with therenewal down payment in the amount of $56.76 paid on 09/13/2014.On 10/31/2014 a Notice of Installment Due was mailed to [redacted] advising her that thesecond installment payment of the term was due on 11/15/2014 in the amount of $52.65.On 12/03/20 14 we received a signed request to cancel the policy effective 11/24/2014.On 12/04/2014 the request was reviewed and processed per the request received on12/03/2014. Our company processes all mid term cancellations at the customer's requestas a short-rate calculation or unearned pro-rate premium x .90. This process has beenfiled and approved by the [redacted] Department of Insurance.Upon cancelling the policy at [redacted]' request, a remaining balance of $38.87 showeddue on the policy. This balance included $21.59 for coverage extended up to thecancellation date and $17.28 for the short rate calculation. [redacted] had a payment dueon 11/15/2014 that was not paid and coverage was provided until the selectedcancellation date of 11/24/201 4. As an accommodation to [redacted], the $17.28 shortrate calculation has been removed. The only amount owed now is for the coverageprovided up to the cancellation date totaling $21.59.In reference to the fluctuating due dates on the policy, the bill plan [redacted] selectedrequires a payment to be made every 30 days. It states in the policy document mailed on03/11/201 1 and 03/18/2014 that our company reserves the right to impose a fee if thepremium is not paid by the due date. When the payments were made after the stated duedate, listed on the installment notices, a late fee was assessed.I trust that I have addressed the issues within [redacted]' complaint. If I can be of furtherassistance, please contact me at ###-###-####.Sincerely,[redacted]

I am in receipt of your email to [redacted] dated November 2, 2015.I am providing you with the following information:? Renewal Declarations? Billing StatementsPolicy 7842D 349516 renewed on October 7, 2015, with a term premium of $606.90. On September 4, 2015, a Renewal Declarations was mailed...

to the address on file advising the member of the new 6 month premium.The increase in the 6 month premium, from $540.70 to $606.90, was due to several changes:? A statewide rate revision for Colonial County Mutual Insurance, a Nationwide Company.? A reduction in the New Vehicle Discount as this is a diminishing discount. This discount applies to automobiles with model years within the past five years. The current model year increases every year on October 1st, regardless of the actual introductory dates of the makes and models.? The removal of the Easy Pay Sign-up Discount as this discount is only applicable for one term.On September 14, 2015, a draft statement was emailed to the email address on file, at [redacted], advising $106.06 would be deducted from the member's bank account on or around October 7, 2015, which was the first payment of the renewal. The bill also notified the member that his automatic Electronic Funds Transfer amount would increase at the next monthly withdrawal and explained what to do if he objected to the increase. The first payment of the renewal did not reflect the renewal increase due to [redacted] House Bill 3221. In order for Nationwide to be in compliance with [redacted] House Bill 3221, we are required to notify account holders 30 days in advance of any renewal premium increase greater than $2.00. At renewal; the first withdrawal amount of $106.06 was based on the prior term premium. The bills for the remainder of the term will be adjusted to approximately $130.85.On October 23, 2015, a draft statement was emailed to the email address on file, at [redacted], advising $130.85 will be deducted from the member's bank account on or around November 7, 2015.If you have any additional questions, please contact Sharon W[redacted] at [redacted] or via phone at ###-###-####.Sincerely,Christina L[redacted]

Two sentences below are quoted from your letter case [redacted] Revdex.com Revision.  > we will not be accepting liability for his damages as there was no > damage to our insured vehicle and no evidence to support we caused the > damages to his vehicle.Let me ask you what would happen when the jeep rear door opened widely (a massive object with momentum) hit my car fuel tank door (a less massive object stationery). Please review Newton’s Laws Motion before you draw conclusion (no damage to our insured vehicle). If college physics  is very challenging for you, I suggest you go over 6th grade science course like energy and matter. I believe that knowledge will benefit your career in long term. I could knock down a little one without hurt my fist so in your theory I am not guilty. Use common sense if 6th grade class is still beyond you.  > We completed an appraisal only for Mr.> [redacted] vehicle which verified that there was no paint transfer from our > insured vehicle, and only a dent was noticed. How much paint transfer you want me show you for a minor accident occurred in rain. Are you expecting blood red paint transferred from the jeep in red rock crystal pearl color to my car? I suggest you see an ophthalmologist because I’m afraid you are experiencing color vision difficulties which put you at risk if you can’t tell traffic red light from green one. Colorblindness is not too bad as a dent was noticed at least so no worry for blindness. A Nationwide adjuster answered YES to question if Nationwide cover the repair cost, that’s why body shop told me pay zero on written repair estimate.  Please reply full communication recorded by the Nationwide adjuster on Dec 31, 2014. If you couldn’t hear the word YES it’s time you see otolaryngologist. So I guess a standard procedure you handle claims is to tell customer that Nationwide cover repair cost and customer pay zero and then deny all what you promised!!!Take care,[redacted]

[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 reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted] I will contact the listed advocacy personnel with the further documentations due to excess time will need to get documents together more than 10 days. Thank you and God Bless

Well I think this is something that should be told to individuals when they plan to get due dates changed because most people will get due dates that are closer to their pay dates. So anybody that has this issue of changing their due dates to meet automatic withdrawl, is doomed to be punished with fees because their policies will show differently.

I got a call on Good Friday afternoon from Nationwide Insurance. I don't know who it was by it was a agent a female. She asked me was I [redacted] I said yes. She told me the only way I get a new roof for my home I would have to hire my own structural engineer.  That was a slap in my face. I didn't like what she told me.So I call [redacted]. He told me that he thought it was the first complaint. And said to me that he couldn't do anything about it.They will not resolved this complaint. So I'm writing you back on this.[redacted]

Dear [redacted]
 
This letter is in response to the inquiry received from your office on January 27, 2015.
 
The complainant, [redacted], indicated he was concerned because he was initially advised the total claim for the other party’s damages was $969.78, and then,...

after calling in again to see the progress of the claim, the total claim for the other party’s damages was $4,095.93 with no explanation as to why there was an increase in the claim amount. 
 
[redacted] was advised of our initial estimate amount when he inquired to how much our current assessment of the damages were for the other vehicle.  Until a vehicle is completely torn down and all damages are assessed, there could be additional supplements.  It was the additional supplements, in combination with the prior unrelated damages, which resulted in the vehicle being considered a total loss.  [redacted] was initially advised if the damages were under $1,000, then no surcharge would apply to his policy.  He was also advised if the damages were to go over $1,000, it would pierce the threshold, and a surcharge would apply to his policy.  [redacted] called to inquire to the total claim amount at a later date, and at this time, he was informed the vehicle involved had since been deemed a total loss, with the total damages exceeding the $1,000 threshold.  Pursuant to [redacted] statute, our insured was also notified in writing that this loss was considered an at-fault accident resulting in property damage in excess of $1,000.  The at-fault determination was made based on the [redacted] Code of Regulations Section 2632.13 that took effect on December 11, 2011. 
 
Additionally, [redacted] was concerned that the property damage was settled by “giving the owner of the 2000 Honda Accord twice what the car blue booked at”. The property damaged was settled by using a consistent process according to the guidelines established by the [redacted] Department of Insurance. This involved locating and identifying actual comparable vehicles that were available for retail purchase by the general public in the local market area within 90 calendar days of the final settlement offer. The use of a “blue book”, NADA or a internet based valuation would have been contrary to Department of Insurance guidelines as comparable vehicles were located.
 
During his last conversation with [redacted], our Claims Manager, [redacted], explained that even if the claimant’s vehicle damage was actually $969.78 any rental paid on the claim would move the property damage beyond the at-fault accident threshold. He also attempted to address all of [redacted]’s concerns including the valuation process. Unfortunately, as [redacted] very quickly stipulated that regardless of any explanation or response that should there be any impact to his premiums at his policy renewal, he would consider that unacceptable. This precluded us from having the opportunity to directly respond to his concerns.
 
We hope that this response addresses those concerns. 
 
If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], toll-free at ###-###-####, Ext. [redacted] or by email at [redacted]
 
Sincerely,
 
[redacted]
[redacted]
Western Claims Zone
Nationwide Insurance Company of America
Phone: ###-###-####
Email Address: [redacted]

I have reviewed the inquiry received from [redacted] regarding his auto policy insured with Nationwide Agribusiness Insurance Company. He inquired about the cancellation of this policy and subsequent refund.Both [redacted] and [redacted] are named insureds under this policy providing...

coverage for the following vehicles: 2001 Honda, 2004 Honda, 2012 Volkswagon, and 2002 Cadillac. On November 3, 2015 [redacted] contacted the Company Service Center to remove [redacted] from the policy due to divorce. The service representative advised [redacted] that because [redacted] was also a named insured on the policy, we would need either proof of her other coverage or a request signed by her to remove her or her vehicles from the policy. On November 6, 2015, [redacted] requested the 2012 Volkswagon and the 2002 Cadillac be removed from the policy effective November 3, 2015 as he obtained other coverage on those vehicles. The deletion of those vehicles was processed as requested and a return premium of $260.61 was applied to the policy. Coverage was still being provided for the 2001 and 2004 Hondas on the policy. We subsequently received a signed cancellation request for the remaining vehicles on the policy, and it was processed effective November 3, 2015. A notice advising of the cancellation of the policy per the insured’s request was sent to the address showing on the policy: [redacted]We reached out to the [redacted]’s local agent, [redacted], who had been working with [redacted] on the auto and home policies. According to the agency, [redacted] became unreasonable to the agency staff when they were not able to remove [redacted] or her vehicles from the policy.The cancellation of the policy effective November 3, 2015 resulted in a premium refund of $44.01 based on the vehicles listed on the policy at the time of the cancellation. Per [redacted]’s request, the 2012 Volkswagon and 2002 Cadillac had already been removed from the policy which resulted in return premium of $261.60 applied to the policy. The policy cancellation was processed on November 16, 2015 to be effective November 3, 2015. The only vehicles listed on the policy at the time the cancellation was processed were the 2001 and 2004 Honda’s.The homeowner policy with our company is providing dwelling, personal property, personal liability, and premises liability for both [redacted] and [redacted] as they are both named insured’s on the policy. In order to protect the rights and coverage for both parties, a signed cancellation request or proof of other coverage from each party is needed to cancel the policy. Any issues, payment, or refund descrepanices involving their policies and arising out of the [redacted]’s divorce situation are a personal legal matter that should be handled between [redacted] and [redacted] and their legal representatives.If further assistance is needed in this matter, please contact me directly at ###-###-####.Sincerely,Gale G[redacted]

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

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]   [redacted]
[redacted]   [redacted] This letter is in...

response to your request for information pertaining to the above file.Our records indicate the Auto policy renewed at $1,063.20 for the November 4, 2014 renewal with a monthly amount of $182.20 (includes $5.00 service fee).  A bill was sent for $182.20 due November 14, 2014.  On November 19, 2014, [redacted] called into the Service Center to inquire on reducing the premium.  The Service Representative added the SmartRide discount which provided a credit to the policy of $33.50.  The Service Representative also stated that [redacted] could sign up for the Paperless Policy discount via her MyNationwide.com account.  [redacted] contacted the Service Center on November 20, 2014 and spoke with another Service Representative who advised that the total credits would not apply to the current bill because the November 14, 2014 installment had not been paid.  The bill was manually adjusted by $23.20 which lowered the amount due to $159.00 as [redacted] had not been informed that she needed to make a payment in order to reduce the billed amount.  A payment was received on December 1, 2014 for $159.00.A bill of $366.68 was sent due January 4, 2015.  This means that when the December 1, 2014 payment was received there was not enough time to bill for December 4, 2014.  The December bill was skipped and a two month bill was generated for January 4, 2015.  On December 19, 2014, [redacted] called the Service Center and was advised she could make a payment for December but a bill would not be issued as there was not sufficient time to send a bill due for December 4, 2014.On December 23, 2014, the Paperless Policy Discount was added along with changing the [redacted]’ marital status from widowed to single.  These two changes resulted in a charge to the policy of $19.10.  The billed amount due at this time was removed to send out a new bill for January 14, 2015.  The total due for January 14, 2015 was $358.31 which is for December and January installments.On January 6, 2015, [redacted] contact the Service Center and spoke with a Service Representative.  A Supervisor documented the account that $205.42 would be applied as a credit to the account to lower the monthly bills to $160.43 and the remaining bills to be the same.The agency did a file review with [redacted] when the life policy was written.  Our Life Department will be responding under separate cover for the customer’s questions regarding her life policy and payment options.Sincerely, 
 
[redacted]Nationwide ###-###-#### [redacted]

I received a Authorization of release of information from your office. I filled out said complaint and signed said document and mailed it to your offices which I believe it must have got misplaced or not delivered because of the holiday season. When I applied for said insurance. I was and my wife were very firm that she was not to be put on said insurance policy. I am the sole owner of said vehicles and she doesn’t have a valid license to drive and I do. I returned the forms that were mailed to me on several occasions from the insurance company and mailed the back signed and dated. I also called the said company on several occasions and was told the insurance would be cancelled because of my wife not being a valid never. The insurance was supposed to be solely on me and no-one else and this was stated on several occasions. I feel I was mislead in the matter and it is very unethical to treat anyone this way. This letter also gives you permission to authorization to contact anyone you wish about this matter and also for them to release information to you.

all I ask that they call my agent and get her view of this unethical act
Regards[redacted]

You repeat “no evidence” without looking into
evidence I provided and completely ignored my questions. Please provide point-by-point responses to my previous
email(March 18).  For your convenience I
copy/paste it below. 
 
1. About the photo.
Ø  I([redacted]) do
not see any color at arrowheads pointed damage spots.   YES or NO
Ø  I([redacted])  do see faint brownish red color at arrowheads
pointed damage spots. YES or NO
 
2. About the voice record(around 11am Dec
31,2014).
interpreter: … nationwide will cover repair and
expense…?
Natioinwide: …ntionwide …drive in ….and fix it
interpreter: …so nationwide is going to cover
those…?
Nationwide: Yes!
Ø  I([redacted])  couldn’t hear anything.  YES or NO
Ø  I([redacted])  do hear it but that piece of record does not
match the record made at our side so I don’t trust it.  YES or NO 
 
3. About bodyshop estimate.
Ø  It’s normal and correct
process when Nationwide handle claims to let bodyshop to document customer pay
zero and insurance cover 100% repair cost.   YES or NO
Looking forward to hearing from you soon. 
Thanks,
[redacted]
April 2, 2015

Once again, I never said that I cancelled my previous policy to take Allieds policy.  What I did say is that I had a homeowners insurance policy in tact when I purchased my home and I would have gone back to the same company to get insurance again (I wanted to have coverage for my air conditioning units) except that when I told [redacted] (my insurance agent) that I was looking into getting another home owners policy,   [redacted] told me that they had a new policy to offer me that WOULD cover my air conditioning units.  [redacted] also told me that the policy was so new that there wasn't a brochure or information to give to me and said that I would get information soon and took the policy out for me, himself and another person in his office as they wanted this great coverage too.   Once again, Allied is trying to divert attention from the issue, which is their agent told me it was covered.  This has nothing to do with my other homeowners policy, this has to do with what Allied told me was covered.  Additionally, I provided the brochure to show that air conditioning units are covered (at their request.)   This tactic of diverting attention from the real issue, which is misrepresentation of a product, is really unprofessional and shady.    I have already provided written documentation about [redacted] telling me that he misrepresented the policy when he sold it to me.  Honor what your agents are selling to customers Allied.
Regards,
[redacted]

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

Thank you for your recent inquiry regarding a complaint you received from our insured [redacted].  We strive to provide quality service while conforming to the expectations of our customer and all regulations. 
 
Ms. [redacted] had a water loss on March 22, 2015. ...

The water escaped from a pipe in a chase wall on an exterior bathroom.  The water leaked down from the upstairs chase wall down into the living and dining area below requiring repair to the walls, ceiling and floor.  A containment area was created to limit dust and disturbance to the other areas of the home during the drying and remediation process.  On 4/30/15 Ms. [redacted] called our Customer Advocacy Center and stated she was unhappy that she was not placed in a hotel during her repair process and also that she was unhappy with the restoration company because they had not placed all her belongings back in the proper locations in the home.  I notified the restoration company who responded and moved the contents into the areas she requested and we also discussed the considerations for additional living accommodations.  I explained that while she does have coverage for ALE it was not initiated because the damages were limited to areas of the home that could be contained to prevent as much disturbance as possible. I spoke with her and explained that ALE (Additional Living Expenses) is cost incurred.  In her situation as explained, she did not need nor was required to stay in a hotel and the cost was not incurred.  No payment can be made since no cost was incurred.
 
I also apologized for any inconvenience that the loss and repairs caused her and for the issues with the general contractor who needed to return to properly move articles to her desired areas of the home. 
 
Ms. [redacted] commented of a fall that was documented in her complaint to have occurred on May 5th.  The fall was never reported to Nationwide but rather to the contractor, [redacted], following the completion of the restoration.  The work was completed and a final walkthrough was held on 4/21/15.  After the completion of the work Ms. [redacted] contacted the contractor and said she had tripped on the new carpet.  It was determined that there was no installation issues with the new carpet but possibly tripped because the carpet was new. 
 
I will include a copy of the estimate and photos in this response.  If there are any additional questions or concerns please feel free to call my office at ###-###-####.
 
Sincerely,
 
Warren Y[redacted]
 
[redacted]

Nationwide has done a false inspection of my house and who is to say they are doing other false things during billing. I do not have wood shakes on my house, I have expressed this three times to a customer service supervisor named Otis. My house has blue vinyl siding that looks like wood but in reality is vinyl. Attached is the comparison that was done in July and one in August. If my house is priced at 278,000 that is were all other companies should be priced at. They are overcharging me on a house that surely does NOT cost 278,000 to replace. If this continues I will be continuing this complaint with a lawyer... There may be some differences but not 78,000 dollars worth....PLUS not to mention somehow Nationwide received a payment of the 278.65 (not by us and Otis does not know who made the payment but it was by mail, and they reinstated our policy... Otis said since that "back payment was paid they reinstated our policy" when I no longer want Nationwide and have Liberty Mutual.    Someone is not doing there job at Nationwide and this needs to be further investigated. Thank you.
Regards, [redacted]

They raised my premiums without notifying me there representatives are very rude when I called with questions. I use to pay 153.20 they raised to 214 without an explanation. When I called to cancell the premium with Theresa at their office location in Houston she did not let me that I will have a balance. Nation wide has unconvinced me a lot because of their terrible & unprofessional reps. I should not owe anything. 
Regards,
[redacted]

I did not walk in to [redacted] on June 30th 2015. I did not receive any email from nationwide that was dated July 1st 2015. The lien holder, [redacted] Dealer Services, for the 2014 Honda Civic LX does not have proof of insurance for June 30th 2015 to August 18th 2015 with policy number [redacted]. I never received a new business policy packet that included the declarations of an insurance policy for the 2014 Honda Civic LX. I never received an amendment policy stating that a multi-policy discount was removed from my policy. I did not authorize [redacted] or Nationwide insurance company to draft funds from my bank account. I did not received a letter stating that I signed up for recurring electronic fund transfer from my bank account or when my first payment was going to be drafted. I did not understand the service representatives that I spoke to on August 29th 2015 and September 5th 2015 and were unable to resolve my issue. I did not receive any email from a customer service representative to my email.