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]
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]
[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,
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[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
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]
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]
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
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.
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]
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]
Thank you for your recent inquiry regarding a complaint you received from [redacted]. Below is the information we gathered regarding this case. If I do not provide the information you need for this matter, please do not hesitate to let me know.Our records indicate, on February 14, 2015, Mr. [redacted]...
called the [redacted] Agency to add a 2005 Subaru to his policy. After being quoted several deductible amounts and the corresponding premium increases, Mr. [redacted] advised he could not afford the additional premium to add comprehensive and collision coverage to his policy. He then told his agent he wanted liability only for the Subaru. The vehicle was then added per his request.On May 18, 2015, several weeks after being in an accident, Mr. [redacted] called the [redacted] Agency and spoke with office manager [redacted] about the coverage he had on the Subaru. During this conversation Mr. [redacted] was advised it was their practice when quoting or adding vehicles, to give several options but it is ultimately their choice which coverage they purchase. Also discussed was the coverage on his 2003 Dodge. Mr. [redacted] was offered a $1000 deductible on this vehicle to which he declined advising he had to speak with his wife before making the decision.During our investigation into this matter, no error was found. Lack of the offer of coverages to an insured does not constitute an error. Mr. [redacted] did not request additional quotes for other deductibles for collision and we found the [redacted] Agency followed their normal procedure of discussing the available options with Mr. [redacted]. After being told by Mr. [redacted] he could not afford additional premium and he wanted liability only for the vehicle, the vehicle was added as requested.Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. If you should have any questions or wish to discuss the matter further, please feel free to call Betsy S[redacted], [redacted] at ###-###-#### or email her at[redacted]Sincerely,Derrick H[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.
We are in receipt of Ms. [redacted]’s rejection of our response regarding the above referenced file. In her complaint, Ms. [redacted] is disputing the processing of the above referenced claims and is requesting additional benefits be applied.As stated in our original response, we have requested records on Ms. [redacted]’s behalf in order to determine if additional benefits apply to the above referenced claims. We received the requested records on October 18, 2016. Our review was completed on October 20, 2016 and found that Murphy was treated primarily for pneumonia on all claims in question. The claims were reprocessed with a primary diagnosis of Pneumonia (code 1447) and secondary benefits were applied as indicated in the records. A letter explaining the outcome of the review was sent to Ms. [redacted] on October 20, 2016. A revised explanation of benefits was sent out for each claim reprocessed.Please note that our review is final unless we receive additional documentation that was previously unsubmitted.Should you require any further assistance in this matter, please contact our [redacted], Patty G[redacted] at ###-###-#### or via email at [redacted].Sincerely,Vincent G[redacted]###-###-####
Thank you for the opportunity to respond to Mr. [redacted] additional concerns regarding the above referenced auto policy.Please review the summary of the recorded call listed below:April 1, 2017 [redacted]- [redacted]-Hey I was just calling to check status on my policy I guess they were trying to cancel it and wanted to see where they are at with the documents I sent over. [redacted]- Verifies privacy, Bare with me just one second to get caught up on the situation [redacted]- Sure [redacted]-Ok so um what I understand we are trying to figure out how long [redacted] has been out of the country. [redacted]-So the issue is she left out of the country, we are married right she has come back but living at a different location we are separated but are still together, legally married right and uh we are living at 2 different locations she is back in the country now she is not leaving any time maybe a month or 2 beyond the fact I am trying to figure out what we need to do in a way this is frustrating they are making a big deal over something small right. Even if they need to put her on there temporarily so my policy isn’t cancelled it is a $10-$20 increase I could care less I think it is a petty issue to be talking about this right if I had an accident or bad driving it would be different. [redacted]- Well it is a different situation when there is a marriage involved we require having a spouse on the policy from there if you get separated or divorced right we would need a letter from her stating it was ok to remove her from the policy [redacted]- Can you hold on one second. Alright can you hear me better now even though we are not in the same household it is still causing an issue. [redacted]- Yes it is how a married couple gets treated they both are named insured you have equal rights to the policy it is not just one saying the other should be removed because the other one has the equal rights. So that is why we require the letter and proof of insurance to remove the spouse I understand it is a minor issue but um I am trying to see what is the best way to get this taken care of right We don’t have [redacted]’s information right Yeah we do we have a Driver License information. [redacted]- Yeah she even has all the information she has coverage on her vehicle at the different address, [redacted]- I would be able to speak to the Underwriter tell them that until you are able to letter of consent proof of insurance add her would that be ok to keep the policy active. [redacted]- Yeah I just don’t want to be stopped and not have coverage. [redacted] – Let me try to get in touch with an Underwriter I can not promise I will not get in touch with one right now. [redacted]- What do I need to get from her [redacted]- If you get proof of insurance with the different address and a letter of consent to remove The car isn’t titled toher is it [redacted]- No it is titled to just me [redacted]- then the best thing is the proof of insurance[redacted]- This is the first time I had to deal with this [redacted] just asked for an exclusion form[redacted]- Just a letter of consent from her to remove her would work. [redacted]- She was out ofthe country and now she is back and we are separated. Do what you need to, to keep meinsured. [redacted]- If you don’t mind I can put you on a brief hold and try to reach out to themright now. (hold) Got Erica’s UW voicemail but didn’t leave a message Hello [redacted] thanksfor holding I tried reaching out but the UW has already left for the day. I can follow up with youtomorrow what is going on I am not in the office tomorrow but I can have someone follow upwith you tomorrow. [redacted]-Doesn’t my policy cancel tomorrow meaning I am not insured ortomorrow is the last day [redacted]- Tomorrow the policy cancels at 12:01 AM we are going to tryto get this policy brought back tomorrow I am going to send an email and I will have one of mycoworkers follow up with you tomorrow since I am not going to be in the office ok [redacted]- Iwonder if they tried to call me Do you know what the area code is over there? [redacted]-Overwhere [redacted]-where UW would call from [redacted]- UW doesn’t try to call out it would besomeone from the Service Center. [redacted]-what if someone else tried to call would it be an800 number [redacted]- Yeah we would have called from a number like that; I don’t see notes thatanyone tried to call back did you call earlier today [redacted]- Yeah it was like screw it let’s seeif he doesn’t call back and you know cancel that bad boy out. Plan B if I call back apply forinsurance again what is going to be the issue what can we not solve now to keep the policyfrom cancelling [redacted]-The only thing we would have to do to avoid any further issues is listher on the policy instead of excluding her until we can get one of the two things [redacted]- I amlost to why they didn’t just say we are adding when they didn’t have the documents instead ofexcluding her since we didn’t get the document. [redacted]- I wouldn’t be able to explain why[redacted]- I understand I used to be an Underwriter for loans I understand how they work. A lotof them is negligence I didn’t get the documents cancel this out. [redacted]- I hope that wouldn’tbe the case. [redacted]-You would hate we all have daily lives you have so much going on oopsanother policy cancelled they will be calling back. But let’s just hope we can figure this outtomorrow because honestly I think I will be escalating the issue tomorrow if I need to. Um Ithink um I think it is negligence and improper way to handle an insurance claim for someonethat document that was sent for a spouse I think it is a bad way to handle it for a payingcustomer right [redacted]- I Hope we are going to get this taken care of tomorrow if we can just letthe UW know you are willing to list her as a principal driver don’t think we will have an issuefrom there I really don’t [redacted]- We will see tomorrow if we um I mean You have done a lotyou are ok just hopefully the UW I will have to escalate at the UW end you did everything atyour disposal. [redacted]- Ok Anything else I can help you with [redacted]-No I will be calling in firstthing in the morning [redacted]- Let me see who comes in that early that we can call you backfirst. [redacted]- I don’t want to wait all day and the UW be out of the office again [redacted]- I don’tnormally come in until 10:30 in the morning which is still plenty of time to get in touch with anUW [redacted]- OK I can wait until noon but this needs taken care of tomorrow I have beenworking on this since Sunday and they just responded today saying they needed thedocuments [redacted]-we will give you a call tomorrow ok [redacted]-OKNationwide Underwriting approved the reversal of the policy, and rating of Ms. [redacted] as aprincipal driver based on Mr. [redacted] comments above. On April 2, 2015, our Member CareRepresentative contacted Mr. [redacted] 2 times to inform him that his policy had been activated withouta lapse in coverage, and Ms. [redacted] was rated as a principal driver. The Representative wasunable to reach Mr. [redacted] or leave a voicemail as it was full. Another attempt was made to contactMr. [redacted] on April 3, 2015 with the same result.Policy cancelled effective May 18, 2015 for non payment of premium. Collection notice in the amountof $98.45 was mailed to the customer on May 22, 2015.Nationwide is unable to remove the amount due of $98.45 on the policy, as Mr. [redacted] advised he would like to rate her as a principal driver until further information could be provided. Policy was activated and premium was not paid by Mr. [redacted], resulting in the cancellation for non payment of premium.If you have any further questions or concerns, please contact our Customer Relations Coordinator, Lance R[redacted], at ###-###-####, or email at [redacted]Sincerely,Kristin M[redacted]Personal Lines Compliance Specialist
On 9/19/2014 I submitted the claim Nationwide, but I never received an appraisal report from Nationwide. A couple days later the claims adjuster phoned to say he would be several days late and I had a black out, and electrical fire. So a contractor was phoned and hired, the repairs were done.
October 2014, a bill was submitted for reimbursement. This was denied by Nationwide.
On 11/5/2014 I was told and I quote by Mr. B. M[redacted] of Nationwide, “What I need to know at this time to move forward with the claim is what damages were and were not paid for by the home warranty company. Once I get this information I can try to move forward with the claim.” I don’t know how this relates, but I couldn’t provide this information because I do not have a home warranty. However, my policy states…
On 11/5/2014 R. H[redacted] of Nationwide stated and I quote, “At this point, we do not disagree on the amount of the claim since the scope of damage has yet to be confirmed. Once the scope of repairs has been confirmed, appraisal could be an option if we can't agree on the amount of the damage” so I agreed to a 3rd party of Nationwide’s choice to assess the repairs. Nationwide picked [redacted] to do the assessment and sent claims associate J. Harris with him.
On 11/20/2014 [redacted] after assessing the damages and repairs, came up with an new estimate of $5,479.72. This estimate/quote was denied for payment by Nationwide as well.
On 12/1/2014 I received an email from Steve C** of Nationwide, stating and I quote, “Your claim has been referred to me for further investigation.” I stated I could speak with him any given Saturday. He never contacted me again.
On 2/16/2015 Nationwide stated and I quote, “In order to move forward with the handling of the claim, we need to confirm your insurable interest in the property covered and resolve questions concerning the [redacted] proposal that you provided to us.” So, I sent Nationwide my deed, and lien release where I completely paid for the home in 2012 all these documents had my name on them. I ask if he could give me the questions concerning [redacted] that are unanswered? I never received an answer.
On 3/2/2015 I was told by Nationwide (R. H[redacted]) and I quote, “. At this time, we still have additional questions which are better discussed in an alternative form of communication other than e-mail.” So I asked Mr. H[redacted] to escalated my claim to the district manager for an impartial, nonbiased, new pair of eyes and possible resolution.
On 3/3/2015 Mr. R. H[redacted] sent me a letter stating Your claim has been reviewed by my direct manager, our investigative department, and our legal department. Until the investigation is completed, there is no matter to escalate[redacted]
[redacted] [redacted]
This letter is in response to your inquiry on November 10, 2014 regarding the auto policy referenced above. I would like to address [redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know.
Regarding policy cancellation
This policy was bound using our online system. It asks if you have current insurance, with what company, current limits and how long you were insured with them. Based on the information provided, a review of the policy revealed a lack of the required six months of continuous coverage prior to the inception date of this policy. We needed continuous coverage from January 17, 2014 to July 14, 2014. There was a lapse of coverage from January 23, 2014 to February 25, 2014. Additionally, there was an undisclosed driver, [redacted], who was not added to or excluded from the policy. Therefore the policy was set to cancel effective October 21, 2014 and notice was sent.
Regarding communication
After receiving the cancellation notice [redacted] called to inquire about what was needed to retain the policy and again to verify the information was received. She was advised it would be sent to underwriting for review and that she would receive a return call. Regretfully, [redacted] did not receive appropriate follow up which prompted additional calls; coaching has been provided to those associates.
Regarding refund request
As the policy was in effect from July 17, 2014 to October 21, 2014 and [redacted] advised the effective date of her new policy is October 31, 2014, we are not able to backdate our cancellation date. This leaves a balance of $52.54 for the time she was insured so we are also unable to provide a refund. However, as a customer service gesture we will remove the balance due of $52.54.
Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns, however, if you should have any questions or wish to discuss the matter further, please feel free to call me.
Sincerely,
[redacted]
Nationwide Insurance Company
###-###-#### [email protected]
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]
We have reviewed the inquiry from [redacted]. His correspondence was regarding excluding his son, [redacted], from the auto policy. The policy covering [redacted] and [redacted]’s vehicles was written as new business with our Company on March 4, 2015. His concerns are addressed below:After receiving a...
quote from Allied in March, I checked to make sure drivers could be added or removed. I was repeatedly promised and assured that this would not be an issue.The conversation between the Company agent and [redacted] has been reviewed. The insured did inquire about excluding his son on the 2007 Ford Mustang and only rating him on the 2006 Crown Victoria. The agent advised that we are unable to exclude drivers from specific vehicles. Nothing was discussed regarding adding/deleting drivers.On May 1, 2015, I attempted to remove a driver from the policy via the Company’s website but that capability is apparently unavailable.Drivers can be added and removed from our policy if they are no longer members of the household. Our Service Center Representatives are available by phone to assist the insured with these requests.I called Nationwide and was told I can not subtract drivers.[redacted] contacted our Company Service Center on May 1, 2015, to remove [redacted] as a driver on the policy. The Company Representative asked if [redacted] was still a household member and had a valid license. The insured confirmed that he was still a household member and had a valid license but was not allowed to drive due to his grades. He also advised that he was told that he could exclude his son. The Service Representative then sent the exclusion form to the insured to sign and return to us.The Service Representative then obtained information from the underwriter indicating that the driver was not eligible to be excluded on this policy. The underwriter is the third party arbitrator that the insured referenced in his inquiry. Our Company is not able to exclude household members unless their license is suspended or revoked. Because [redacted] has a valid license, he is not eligible to be excluded under the auto policy. We apologize for the error made by the Allied Insurance, [redacted] Company Service Representative in sending out the form to be signed and will follow up with the associate on the additional training regarding this topic.Thank you for the opportunity to explain the policy for [redacted]. Please contact me if there are further questions.Sincerely,[redacted]Allied Insurance, a member of Nationwide Insurance###-###-####[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
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]
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]
[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 reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[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
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]
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]
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
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.
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]
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]
Thank you for your recent inquiry regarding a complaint you received from [redacted]. Below is the information we gathered regarding this case. If I do not provide the information you need for this matter, please do not hesitate to let me know.Our records indicate, on February 14, 2015, Mr. [redacted]...
called the [redacted] Agency to add a 2005 Subaru to his policy. After being quoted several deductible amounts and the corresponding premium increases, Mr. [redacted] advised he could not afford the additional premium to add comprehensive and collision coverage to his policy. He then told his agent he wanted liability only for the Subaru. The vehicle was then added per his request.On May 18, 2015, several weeks after being in an accident, Mr. [redacted] called the [redacted] Agency and spoke with office manager [redacted] about the coverage he had on the Subaru. During this conversation Mr. [redacted] was advised it was their practice when quoting or adding vehicles, to give several options but it is ultimately their choice which coverage they purchase. Also discussed was the coverage on his 2003 Dodge. Mr. [redacted] was offered a $1000 deductible on this vehicle to which he declined advising he had to speak with his wife before making the decision.During our investigation into this matter, no error was found. Lack of the offer of coverages to an insured does not constitute an error. Mr. [redacted] did not request additional quotes for other deductibles for collision and we found the [redacted] Agency followed their normal procedure of discussing the available options with Mr. [redacted]. After being told by Mr. [redacted] he could not afford additional premium and he wanted liability only for the vehicle, the vehicle was added as requested.Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. If you should have any questions or wish to discuss the matter further, please feel free to call Betsy S[redacted], [redacted] at ###-###-#### or email her at[redacted]Sincerely,Derrick H[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.
We are in receipt of Ms. [redacted]’s rejection of our response regarding the above referenced file. In her complaint, Ms. [redacted] is disputing the processing of the above referenced claims and is requesting additional benefits be applied.As stated in our original response, we have requested records on Ms. [redacted]’s behalf in order to determine if additional benefits apply to the above referenced claims. We received the requested records on October 18, 2016. Our review was completed on October 20, 2016 and found that Murphy was treated primarily for pneumonia on all claims in question. The claims were reprocessed with a primary diagnosis of Pneumonia (code 1447) and secondary benefits were applied as indicated in the records. A letter explaining the outcome of the review was sent to Ms. [redacted] on October 20, 2016. A revised explanation of benefits was sent out for each claim reprocessed.Please note that our review is final unless we receive additional documentation that was previously unsubmitted.Should you require any further assistance in this matter, please contact our [redacted], Patty G[redacted] at ###-###-#### or via email at [redacted].Sincerely,Vincent G[redacted]###-###-####
Thank you for the opportunity to respond to Mr. [redacted] additional concerns regarding the above referenced auto policy.Please review the summary of the recorded call listed below:April 1, 2017 [redacted]- [redacted]-Hey I was just calling to check status on my policy I guess they were trying to cancel it and wanted to see where they are at with the documents I sent over. [redacted]- Verifies privacy, Bare with me just one second to get caught up on the situation [redacted]- Sure [redacted]-Ok so um what I understand we are trying to figure out how long [redacted] has been out of the country. [redacted]-So the issue is she left out of the country, we are married right she has come back but living at a different location we are separated but are still together, legally married right and uh we are living at 2 different locations she is back in the country now she is not leaving any time maybe a month or 2 beyond the fact I am trying to figure out what we need to do in a way this is frustrating they are making a big deal over something small right. Even if they need to put her on there temporarily so my policy isn’t cancelled it is a $10-$20 increase I could care less I think it is a petty issue to be talking about this right if I had an accident or bad driving it would be different. [redacted]- Well it is a different situation when there is a marriage involved we require having a spouse on the policy from there if you get separated or divorced right we would need a letter from her stating it was ok to remove her from the policy [redacted]- Can you hold on one second. Alright can you hear me better now even though we are not in the same household it is still causing an issue. [redacted]- Yes it is how a married couple gets treated they both are named insured you have equal rights to the policy it is not just one saying the other should be removed because the other one has the equal rights. So that is why we require the letter and proof of insurance to remove the spouse I understand it is a minor issue but um I am trying to see what is the best way to get this taken care of right We don’t have [redacted]’s information right Yeah we do we have a Driver License information. [redacted]- Yeah she even has all the information she has coverage on her vehicle at the different address, [redacted]- I would be able to speak to the Underwriter tell them that until you are able to letter of consent proof of insurance add her would that be ok to keep the policy active. [redacted]- Yeah I just don’t want to be stopped and not have coverage. [redacted] – Let me try to get in touch with an Underwriter I can not promise I will not get in touch with one right now. [redacted]- What do I need to get from her [redacted]- If you get proof of insurance with the different address and a letter of consent to remove The car isn’t titled toher is it [redacted]- No it is titled to just me [redacted]- then the best thing is the proof of insurance[redacted]- This is the first time I had to deal with this [redacted] just asked for an exclusion form[redacted]- Just a letter of consent from her to remove her would work. [redacted]- She was out ofthe country and now she is back and we are separated. Do what you need to, to keep meinsured. [redacted]- If you don’t mind I can put you on a brief hold and try to reach out to themright now. (hold) Got Erica’s UW voicemail but didn’t leave a message Hello [redacted] thanksfor holding I tried reaching out but the UW has already left for the day. I can follow up with youtomorrow what is going on I am not in the office tomorrow but I can have someone follow upwith you tomorrow. [redacted]-Doesn’t my policy cancel tomorrow meaning I am not insured ortomorrow is the last day [redacted]- Tomorrow the policy cancels at 12:01 AM we are going to tryto get this policy brought back tomorrow I am going to send an email and I will have one of mycoworkers follow up with you tomorrow since I am not going to be in the office ok [redacted]- Iwonder if they tried to call me Do you know what the area code is over there? [redacted]-Overwhere [redacted]-where UW would call from [redacted]- UW doesn’t try to call out it would besomeone from the Service Center. [redacted]-what if someone else tried to call would it be an800 number [redacted]- Yeah we would have called from a number like that; I don’t see notes thatanyone tried to call back did you call earlier today [redacted]- Yeah it was like screw it let’s seeif he doesn’t call back and you know cancel that bad boy out. Plan B if I call back apply forinsurance again what is going to be the issue what can we not solve now to keep the policyfrom cancelling [redacted]-The only thing we would have to do to avoid any further issues is listher on the policy instead of excluding her until we can get one of the two things [redacted]- I amlost to why they didn’t just say we are adding when they didn’t have the documents instead ofexcluding her since we didn’t get the document. [redacted]- I wouldn’t be able to explain why[redacted]- I understand I used to be an Underwriter for loans I understand how they work. A lotof them is negligence I didn’t get the documents cancel this out. [redacted]- I hope that wouldn’tbe the case. [redacted]-You would hate we all have daily lives you have so much going on oopsanother policy cancelled they will be calling back. But let’s just hope we can figure this outtomorrow because honestly I think I will be escalating the issue tomorrow if I need to. Um Ithink um I think it is negligence and improper way to handle an insurance claim for someonethat document that was sent for a spouse I think it is a bad way to handle it for a payingcustomer right [redacted]- I Hope we are going to get this taken care of tomorrow if we can just letthe UW know you are willing to list her as a principal driver don’t think we will have an issuefrom there I really don’t [redacted]- We will see tomorrow if we um I mean You have done a lotyou are ok just hopefully the UW I will have to escalate at the UW end you did everything atyour disposal. [redacted]- Ok Anything else I can help you with [redacted]-No I will be calling in firstthing in the morning [redacted]- Let me see who comes in that early that we can call you backfirst. [redacted]- I don’t want to wait all day and the UW be out of the office again [redacted]- I don’tnormally come in until 10:30 in the morning which is still plenty of time to get in touch with anUW [redacted]- OK I can wait until noon but this needs taken care of tomorrow I have beenworking on this since Sunday and they just responded today saying they needed thedocuments [redacted]-we will give you a call tomorrow ok [redacted]-OKNationwide Underwriting approved the reversal of the policy, and rating of Ms. [redacted] as aprincipal driver based on Mr. [redacted] comments above. On April 2, 2015, our Member CareRepresentative contacted Mr. [redacted] 2 times to inform him that his policy had been activated withouta lapse in coverage, and Ms. [redacted] was rated as a principal driver. The Representative wasunable to reach Mr. [redacted] or leave a voicemail as it was full. Another attempt was made to contactMr. [redacted] on April 3, 2015 with the same result.Policy cancelled effective May 18, 2015 for non payment of premium. Collection notice in the amountof $98.45 was mailed to the customer on May 22, 2015.Nationwide is unable to remove the amount due of $98.45 on the policy, as Mr. [redacted] advised he would like to rate her as a principal driver until further information could be provided. Policy was activated and premium was not paid by Mr. [redacted], resulting in the cancellation for non payment of premium.If you have any further questions or concerns, please contact our Customer Relations Coordinator, Lance R[redacted], at ###-###-####, or email at [redacted]Sincerely,Kristin M[redacted]Personal Lines Compliance Specialist
On 9/19/2014 I submitted the claim Nationwide, but I never received an appraisal report from Nationwide. A couple days later the claims adjuster phoned to say he would be several days late and I had a black out, and electrical fire. So a contractor was phoned and hired, the repairs were done.
October 2014, a bill was submitted for reimbursement. This was denied by Nationwide.
On 11/5/2014 I was told and I quote by Mr. B. M[redacted] of Nationwide, “What I need to know at this time to move forward with the claim is what damages were and were not paid for by the home warranty company. Once I get this information I can try to move forward with the claim.” I don’t know how this relates, but I couldn’t provide this information because I do not have a home warranty. However, my policy states…
On 11/5/2014 R. H[redacted] of Nationwide stated and I quote, “At this point, we do not disagree on the amount of the claim since the scope of damage has yet to be confirmed. Once the scope of repairs has been confirmed, appraisal could be an option if we can't agree on the amount of the damage” so I agreed to a 3rd party of Nationwide’s choice to assess the repairs. Nationwide picked [redacted] to do the assessment and sent claims associate J. Harris with him.
On 11/20/2014 [redacted] after assessing the damages and repairs, came up with an new estimate of $5,479.72. This estimate/quote was denied for payment by Nationwide as well.
On 12/1/2014 I received an email from Steve C** of Nationwide, stating and I quote, “Your claim has been referred to me for further investigation.” I stated I could speak with him any given Saturday. He never contacted me again.
On 2/16/2015 Nationwide stated and I quote, “In order to move forward with the handling of the claim, we need to confirm your insurable interest in the property covered and resolve questions concerning the [redacted] proposal that you provided to us.” So, I sent Nationwide my deed, and lien release where I completely paid for the home in 2012 all these documents had my name on them. I ask if he could give me the questions concerning [redacted] that are unanswered? I never received an answer.
On 3/2/2015 I was told by Nationwide (R. H[redacted]) and I quote, “. At this time, we still have additional questions which are better discussed in an alternative form of communication other than e-mail.” So I asked Mr. H[redacted] to escalated my claim to the district manager for an impartial, nonbiased, new pair of eyes and possible resolution.
On 3/3/2015 Mr. R. H[redacted] sent me a letter stating Your claim has been reviewed by my direct manager, our investigative department, and our legal department. Until the investigation is completed, there is no matter to escalate[redacted]
[redacted]
[redacted]
[redacted] [redacted]...
[redacted] [redacted]
This letter is in response to your inquiry on November 10, 2014 regarding the auto policy referenced above. I would like to address [redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know.
Regarding policy cancellation
This policy was bound using our online system. It asks if you have current insurance, with what company, current limits and how long you were insured with them. Based on the information provided, a review of the policy revealed a lack of the required six months of continuous coverage prior to the inception date of this policy. We needed continuous coverage from January 17, 2014 to July 14, 2014. There was a lapse of coverage from January 23, 2014 to February 25, 2014. Additionally, there was an undisclosed driver, [redacted], who was not added to or excluded from the policy. Therefore the policy was set to cancel effective October 21, 2014 and notice was sent.
Regarding communication
After receiving the cancellation notice [redacted] called to inquire about what was needed to retain the policy and again to verify the information was received. She was advised it would be sent to underwriting for review and that she would receive a return call. Regretfully, [redacted] did not receive appropriate follow up which prompted additional calls; coaching has been provided to those associates.
Regarding refund request
As the policy was in effect from July 17, 2014 to October 21, 2014 and [redacted] advised the effective date of her new policy is October 31, 2014, we are not able to backdate our cancellation date. This leaves a balance of $52.54 for the time she was insured so we are also unable to provide a refund. However, as a customer service gesture we will remove the balance due of $52.54.
Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns, however, if you should have any questions or wish to discuss the matter further, please feel free to call me.
Sincerely,
[redacted]
Nationwide Insurance Company
###-###-####
[email protected]
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]
We have reviewed the inquiry from [redacted]. His correspondence was regarding excluding his son, [redacted], from the auto policy. The policy covering [redacted] and [redacted]’s vehicles was written as new business with our Company on March 4, 2015. His concerns are addressed below:After receiving a...
quote from Allied in March, I checked to make sure drivers could be added or removed. I was repeatedly promised and assured that this would not be an issue.The conversation between the Company agent and [redacted] has been reviewed. The insured did inquire about excluding his son on the 2007 Ford Mustang and only rating him on the 2006 Crown Victoria. The agent advised that we are unable to exclude drivers from specific vehicles. Nothing was discussed regarding adding/deleting drivers.On May 1, 2015, I attempted to remove a driver from the policy via the Company’s website but that capability is apparently unavailable.Drivers can be added and removed from our policy if they are no longer members of the household. Our Service Center Representatives are available by phone to assist the insured with these requests.I called Nationwide and was told I can not subtract drivers.[redacted] contacted our Company Service Center on May 1, 2015, to remove [redacted] as a driver on the policy. The Company Representative asked if [redacted] was still a household member and had a valid license. The insured confirmed that he was still a household member and had a valid license but was not allowed to drive due to his grades. He also advised that he was told that he could exclude his son. The Service Representative then sent the exclusion form to the insured to sign and return to us.The Service Representative then obtained information from the underwriter indicating that the driver was not eligible to be excluded on this policy. The underwriter is the third party arbitrator that the insured referenced in his inquiry. Our Company is not able to exclude household members unless their license is suspended or revoked. Because [redacted] has a valid license, he is not eligible to be excluded under the auto policy. We apologize for the error made by the Allied Insurance, [redacted] Company Service Representative in sending out the form to be signed and will follow up with the associate on the additional training regarding this topic.Thank you for the opportunity to explain the policy for [redacted]. Please contact me if there are further questions.Sincerely,[redacted]Allied Insurance, a member of Nationwide Insurance###-###-####[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