To whom it may concern: Thank you for your additional inquiry concerning the above named policyholder On January 28, we received proof of insurance from *** *** Insurance CompanyThis showed that effective September 20, Ms*** bound coverage for the location address listed in the above referenced policy We adjusted the cancellation date of Ms***’s Nationwide Tenant policy from October 24, to September 20, This change has reduced the collection amount from $to zeroMs*** no longer has a balance owed to Nationwide for the policy listed above On January 29, we sent notification to *** *** *** (***) advising there is a zero balance and they cleared the collection at that time. I spoke to *** today from *** and he confirmed that the collection amount was cleared. I asked that he mail Ms*** a letter to advise there is no longer an amount owed and he obligedThe letter is being mailed to her today from *** If you require further assistance, please contact our Customer Relations Coordinator, *** *** at ###-###-####, or by email at ***@nationwide.com
*** *** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** ***
Thank you for the opportunity to respond to the Revdex.com regarding policy
number ##### for *** *** and to address his concerns about the policy
On 08/15/2014, *** *** purchased a six month insurance policy online from
Nationwide.com with a bill plan of 20% down and installments
On 08/29/a Notice of Installment Due was mailed with an amount due of $
and a stated due date of 09/15/On 09/15/no payment was received and a
Cancellation/Notice of Payment due was mailed with a stated cancellation date of
10/03/On 10/03/no payment was received and the policy cancelled per the
09/15/noticeThere is a current balance due of $for the coverage provided
on the policy until 10/03/
*** *** quoted his own policy online and selected his own bill planAt no point in
time was he advised that he was on an automatic withdrawal and his signed application
states the payment plan selected was 20% Down InstallmentsAll documents were
mailed to *** *** at the address provided on his application; *** *** ***
*** ** ***
Please see attached proof of mailing for the 09/15/
Cancellation/Notice of Payment Due
I trust that I have addressed the issues within *** ***’s complaintIf I can be of
further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** offer and response is clearly in bad faith.*** *** how do you justify:Not including the options I mentioned, "FogLamps, DualRadio, Vcr, Television, RemoteStarter" in the settlement offer?Not including the average of the adjusted value of the totaled vehicle determined by the comparison vehicles that your company found?Not giving me the opportunity of a cash payout allowing me to repair my own vehicle? All of these request are industry standards and I'm willing to bet my legal rightDid you bother to read the explanation of my request?
Regards,
*** ***
I do not feel as though I owe anything to this company after they over charged me for insurance for years, have placed claims on vehicles that we never filed, placed claims against my insurance falsely, and owe me money for a claim
Regards,
*** ***
*** *** ***
*** *** *** ** *** ** ***
*** *** **
*** ** ***
*** *** ***
*** *** *** ***
*** *** *** *** ***
** *** *** ***
***
This letter is in response to the complaint filed with your
agency by *** *** ***a regarding his Automobile policy
Our records indicate the Auto policy was written effective October 25, and payment of $was received on October 17, On October 24, 2014, the Vehicle Identification Number was updated which caused an increase in premium of $
The policy was then cancelled effective October 25, as a request from the insuredThe effective date of the policy was changed to October 28, The agent’s office then submitted a cancellation request effective October 25,
We have cancelled the policy effective October 28, so there is no coverage from NationwideA refund of $will be sent on November 18, as an Express refundThis means that the insured will get the refund on November 19,
I have included a breakdown of the account for your review
Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** ***, Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at ***
Sincerely,
*** ***
*** *** *** *** *** * ***
Nationwide Insurance Companies
###-###-####, Ext####
***
I have reviewed the response made by the business in reference to complaint ID #####, and have complied with the response for the coverage brochures from ***, however, with that being said, this complaint is about what Allied/Nationwide offered as coverage.Sincerely,*** ***
Thank you for your recent inquiry regarding a complaint you received from Ms*** *** regarding the cancellation of her dwelling fire policy. On April 7, 2015, a notice was sent advising that the policy would be cancelled because we received notification that this property was not owned by Ms***After further research, we have found that this notification was incorrect and Ms*** is the owner of the property located at Carter Ave., Bessemer, AL Please be advised that the policy will be retained Nationwide does value Ms.***’ business and sincerely apologizes for any inconvenience this may have causedFor any further questions, she may feel free to contact her agent at ###-###-#### between the hours of 8:AM and 4:PM, Monday through FridayThank you for bringing this matter to our attention. As I mentioned above, we will be retaining this policyWe hope this will resolve all pending concerns. Sincerely, John H*** *** *** *** ***
*** *** ***
*** *** *** *** *** *** **
*** ***
*** *** *** *** * *** *** *** *** ***
*** *** ***
*** ** *** *** *** *** *** This loss occurred
on July 7, as stated by *** *** *** ***The *** was contacted by a Nationwide Claim Specialist on July 7, and temporary housing was providedNationwide *** *** *** contacted Mrs*** on 07/11/and discussed the contents portion of this loss*** *** *** responded to the loss where she met with the *** and inventoried the contents in the homeClaim Specialist offered mask to the *** asking if they wanted to enter the homeThey put the mask on and then decided they did not want to go into the houseClaim Specialist then asked them are there any valuables or anything you would like brought out to them and they stated no*** *** *** *** advised Claim Specialist they had everything they needed from the home and had no need to go inThe contents of the home were inventoried, sent to the *** and payment was issuedThe *** later contacted the Claim Specialist stating they had a jewelry box with expensive jewelry and a collection of arrowheads and civil war buttons that were located in what is identified as the third bedroomThe only room that was burned out of site was the son’s bedroom*** *** *** *** were advised all items in the room where they stated these items were was identifiable and the aforementioned items were not in the roomClaim Specialist reviewed her photos of the loss location and returned to the house which had been secured by the property to search for these items with negative results*** *** *** *** were advised of this and asked for proof of ownershipClaim Specialist asked the *** to provide documentation or photos of these itemsThe *** stated the arrowheads and civil war buttons were authentic and were appraisedThe *** submitted photos and values to NationwideUpon reviewing them it was obvious these documents/photos were printed from the internetWe spoke with the *** in reference to the documents submittedThey advised these documents were sent in because the original appraisal were located in the attic and burned in the fire along with any photosThey were then asked for the name and location where the appraisals were obtained and they advised they could not rememberAt this time no verification of ownership has been received
March 25, Catherine McLaughlin Ohio Revdex.com Dublin Road Columbis, OH, Policyholder: Patricia *** Policy #: 7701TNAIC #: 23779/ Nationwide Mutual Fire Insurance Company Your File #: Dear MrsMcLaughlin: Thank you for your additional inquiry. Nationwide Mutual Fire Insurance Company is dealing with the customer in a professional and courteous manner. At this time, the claim is still under investigation. We have made a payment for all damage that has been confirmed. No additional payment can be made until our investigation is completed. We are requesting documentation in accordance with the terms and conditions of the insured’s policy We are communicating with Ms*** directly. If you have any further questions, feel free to contact me at ###-###-#### Sincerely, Ronald H*** *** *** *** *** *** Nationwide Mutual Fire Insurance Company
Dear *** ***:In response to the email we received directly from *** ***, on which you were copied, we offer the following We are aware of *** *** concerns, have completed a through investigation, and are confident that our liability decision is accurateWe have taken the necessary steps to evaluate this claim and the damages to both vehicles. At no point in time did we advise *** *** that we would extend coverage for his damagesWe did advise that he can take his vehicle to our repair facility for an appraisal however; the final liability decision was not complete at that time. *** *** does have the option to seek repairs through his insurance carrier ***We encourage *** *** to contact the claim adjuster with his insurance company ***, *** *** ###-###-#### We hope we have answered the consumer’s questions or concerns that were brought forward with this concern and if there is any additional information needed or clarification on any concerns, please let me know. *** *** *** ***Nationwide Property & Casualty###-###-####***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** ***
***
** *** * ***
*** *** ***
First, we would like to thank *** *** for being a long term Nationwide member and for the opportunity to resolve his concerns regarding his auto and motorcycle policies.
We ask that he would please accept our apology for the error that occurred with the cancellation of the motorcycle policy. Today, all policies are cancelled effective June 9, as requested.
Unfortunately, there is still a balance due on the account. The balance of $on automobile policy 6139Mrepresents the amount owed for coverage provided on the Dodge Ram from May 7, to June 9, 2014. A final bill for $was issued to the address we have on file. Due to no payment being received, the debt was referred to Credit Collection Services (CCS) on August 20, 2014, to pursue the collection. On November 13, 2014, a member care representative waived the $assessed on June 24, 2014, which reduced the final balance owed to $51.50.
CCS has been notified of the adjusted amount owed.
A refund check for the unused premium on the motorcycle policy has been mailed. All collection efforts have been stopped and cleared from *** ***’s record for policy ########
Sincerely,
*** ***
Nationwide Insurance
*** *** ***
Dear ***?
This letter is in response to your request for information pertaining to the above file
Our records indicate there were two changes that processed on the Auto policy prior to the renewal date of March 28, 2015, which resulted in the balance due of
$
On February 20, 2015, the Benz was replaced by a Toyota Camry effective February 14, which resulted in a prior term balance of $
On March 4, 2015, the date of birth for *** *** was changed from September 6, to September 6, 1937. This change was made effective March 3, which resulted in a prior term balance of $and a current term charge of $
The Auto policy cancelled effective the renewal date so no premium was charged past March 28, 2015. However, the two prior term amounts of $and $are due for coverage up to the cancellation date
Delta called on February 23, and requested the address be updated to: *** * *** ***,** *** ** ***. This change can be seen on the February 24, Policy Declarations page, however, the change produced no premium increase. There was no charge in premium to the policy for updating the address
I have provided an account history as well as the Policy Declarations pages for your review
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at ###-###-####, Ext. *** or my email address is ***
Sincerely,
*** ***
*** ***
Nationwide
###-###-####
***
Thank you for forwarding the foregoing Complaint to our attention***, a fully ownedsubsidiary of Nationwide Mutual Insurance Company (hereafter '***"), was notified ofthis loss on August 20,at 3:59PM by the insured's agentThe loss was assigned to ***, Material
Damage Claims Specialist the following business day, August 21,2014.I did speak to *** regarding her interactions with Ms*** She did acknowledgethere were some challenging discussions with Ms*** and she did maintain her professionalismduring these conversations.I have completed a review of the claim file and prepared the following timeline to document theinteraction between the Associate *** *** and the Complainant *** ***Thetimeline reflects the history of the claim due to the allegations by Ms*** that Ms, *** didnot explain anything to her and did not return phone calls.On August 1,14, *** *** contacted our insured and accepted liability for this accident.She also contacted *** *** on the same date and dispatched an appraiser to inspect hervehicleMs*** spoke to Ms*** twice on 8/21/On 8/22/Ms*** received theappraisal, for the damages to Ms***'s vehicle and issued payment in the amount of $8937.56.Ms.*** called Ms*** and left a message in addition to sending her a copy of the appraisalOn 8/25/14, Ms*** returned a call to Ms*** and explained the rentalprocedureIt was at this time Ms*** indicated she would like to have the vehicle towed to theSubaru Dealership, *** *** MotorsMs*** had thought the vehicle was beingrepaired at ***'s but Ms, *** indicated she wanted the vehicle repaired at the dealership, Ms.*** did tell Ms*** the vehicle needed to be moved immediately as there would be astorage issue***'s attempted to tow the vehicle to the dealership and they ended up towingthe vehicle back to their location because the dealership would not cover the towThere are someshops that will cover the tow and bill us once they receive the vehicle but that was not the casehere*** then received a bill from ***s in the amount of $for tows, storageand miscellaneous chargesThis bill was paid in full and sent overnight mail to ***'s, Ms.***'s vehicle was towed to *** *** MotorsOn 8/26/the damage estimate wasfaxed to *** *** MotorsOn 8/28/Ms*** called the associate for a copy of herestimate which was mailed againOn 9/2/Ms*** called the associate to advise the vehiclelisted an the appraisal should be a Legacy not a ImprezaThe associate contacted theappraiser who indicated the VIN would not decode in the system due to the model year Theappraiser advised the shop should contact them if there were my supplements or parts pricedifferencesMs*** contacted Ms*** to advise her of the reason and the steps we wouldtake to remedy if there were any parts price differencesThe repairs took a considerable amountof time because there was a part on backorder which is common for new vehiclesThe cost of theongoing rental is not necessarily the obligation of the insurer to absorb entirelyRegardless,*** and *** *** Motors worked together to provide a rental for Ms***during the parts delay.On 11/10/the claimant submitted a letter to present a claim for Diminished ValueIn order for*** to move forward with the Diminished Value claim the repairs to the vehicle must becompletedThe vehicle repairs were not completed at the time Ms*** presented this claim asthem was a part on back orderTwo supplements were received, one on 11/17/and another on11/21/for a total of $Both were paid to the shopNow that the repairs are completedwe are moving forward to determine the amount of the Diminished Value ClaimThe vehiclerepairs must be inspected by our consultant and there is a protocol that is followed to determinethe amount of the Diminished Value ClaimWe will contact Ms*** to coordinate the re-inspection immediately.Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, *** ***, at ###-###-#### or via emailat ***@nationwide.com,
I am in receipt of your reply regarding the above captioned loss and would like to take this opportunity to respond.As we stated in our letter of May 20, 2015, we are having a re-inspection completed of *** ***’s home to confirm if the roof is damaged from a covered event under our policyPer *** ***’s most recent correspondence he has hired an attorney to represent him in this lossAs we are now notified of the presence of an attorney, we are unable to speak to *** *** directlyAt this time we await further contact from his legal representative.If *** *** has already arranged for the re-inspection with *** *** we would ask that this be allowed to go forward so that this loss may be resolved.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or via email at ***.Regards,*** *** *** ***
*** *** ***###-###-####***
I am in receipt of your reply regarding the above captioned loss and would like to take this opportunity to respond.I have discussed this file with *** *** of *** ***He will contact a local roofer to inspect the property to assist in determining the cause of the damage to the roofHarleysville Insurance agrees to pay for the cost of pulling up the tarp and putting it backHarleysville Insurance will not be liable for any damage to the roof from prior tarps.”*** *** advised me that *** *** recently bought this home and was unaware of any past issues with the roofWe would request a copy of the home inspection that was completed prior to the purchase of the home so we can verify the condition of the roof at the time of the purchase*** *** will be requesting this from *** ***.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or via email at ***.Regards,*** *** *** ***
*** *** ***############
* * * * * * * * * * * * * * * * * * * * * * *
*** *** *** *** *** *** ** ***
*** *** *** *** *** *** *** ***
***
*** ***
*** ***
*** *** ***
*** I am writing in response to the
complaint submitted by *** *** to the Revdex.com of Columbus, Ohio. *** *** has indicated in his complaint that he has received poor time service regarding the settlement of his claim and requests he receive payment for downtime beginning November 25, until the claim is paid in full, the repairs to his tractor are complete, and not be charged for this monthI assume the last request is in regard to the insured’s insurance premium. The claim was received by the claim associate on November 4, at which time *** *** was contacted and the claim process was explained to include the need for the inspection of *** ***’ damaged tractor and trailer. An assignment was sent to an independent appraiser on November 5, to inspect *** ***’ tractor and was completed on November 13, The completed repair estimate was received on November 14, and payment of $1,was issued to our insured, * * ***, along with a copy of the repair estimate writtenA phone conversation between the claim representative, *** ***, and *** *** followed, explaining the same. On November 21, *** *** called the claim representative to advise his repair facility had their own estimate of repair*** *** was advised to have his repair facility submit the supplemental estimate to the appraiser for review, consideration, and if in line, supplemental payment. The insured contacted the claim representative on December 1, stating his repair facility could not reach the appraiserThe claim representative spoke with the appraiser who confirmed they did speak with *** ***’ repair facility and advised the appraiser they were still waiting on parts to arrive, therefore, could not forward their supplement yetThe claim representative called *** *** back and explained the appraiser is still waiting on the supplement from the insured’s repair facility. The claim representative followed up with the appraiser and repair facility on December 9, December 16, and finally on December 22, for status of the supplemental estimateOn December 22, the repair facility confirmed they had the supplement written and would forward directly to the claim representative for review, audit, and if in line, payment.The supplemental estimate was received via email from the repair facility on December 22, The claim representative then forwarded the supplemental estimate for review and auditOn December 24, the claim representative followed up on status of the audit and is pending a responseThe claim representative will review the claim again for status of the audit and payment consideration for the supplemental repairsOnce the audit is received, to include an agreed repair amount with the insured’s repair facility, payment will be issued directly to the repair facility. There will be no consideration for down time beginning November 25, until the claim is paid in full and the repairs to his tractor are complete, and insured not being charged premium for this month. Should you have additional questions or inquiries, please please contact our Customer Relations Coordinator, *** ***, toll-free at ###-###-####, ext#####, direct at ###-###-####, or by email at *** Respectfully, *** *** *** *** *** ###-###-####, Ext. *** ***
*** *** ***,We are in receipt of your latest communicated dated January 30, We have reviewed our file to addressyour concerns Our insured has a personal auto policy with a liability limit of 100,The loss date was7/4/the loss was reported to Harleysville on 7/25/This most recent response is from *** *** Emailto the Revdex.com.A representative from Harleysville did call *** *** on 1/27/We advised that any additional damagesbeing claimed needed to be inspected by his carrier, *** *** ***They have paid for the damages tohis vehicle, and we have reimbursed them through subrogation.If there are additional damages, this will need to be confirmed and viewed by *** ***'s Carrier, ***
*** ***The estimate written by *** *** *** appears to be written to industry standards.I cannot comment on the practices and guidelines that are being used by *** *** *** but the use ofnon-original factory parts is very common on an older vehicle, in poor prior conditionWheel alignments arenormally only allowed when a wheel or tire is replaced.We have accepted 100% liability for this loss and any supplements that are submitted by *** *** ***will be reviewed by Harleysville, and paid, as long as the additional damages being claimed are loss related.Our file will remain closed.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator,*** ***, at ###-###-#### or via email at ***.Sincerely,*** ** ***
*** ***###-###-####
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** ***
*** *** ***
*** *** ***
*** ***
This letter is in response to the inquiry received from your office on December 10,
We are continuing in our efforts to attempt to find coverage for our customer’s loss to her HVAC system. We have requested documentation from her on her home warranty policy, which she states she canceled as a result of being offered our Equipment Breakdown endorsement (####). If we can verify that the home warranty policy would have covered her loss, we will extend coverage on a one time basis due to a misunderstanding regarding coverage under our endorsement
In response to our request for information, *** *** has provided a marketing brochure for the home warranty company
We have contacted the home warranty company and have been advised that they cannot provide us with any specific information regarding the policy *** *** had. They will however provide the information to *** *** directly
Via *** ***’s insurance agent, we have asked that she follow up with the home warranty company to obtain the needed information. We have yet to receive any further documentation from *** ***
If you require further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, toll-free at ###-###-####, Ext #####or by email at ***
Sincerely,
*** ***
*** ***
Western Claims Zone
Allied Property & Casualty Insurance Company
Phone: ###-###-####
Email Address: ***
***
***
*** *** ***
*** *** ***
*** ** ***
*** *** ***
*** ***
*** *** *** ** *** ***
*** *** **
*** ** ***
*** ***
Thank you for your recent inquiry regarding a complaint you received from *** ***. As Property Claims Manager, I have reviewed this claim fileBased on this review, I will address *** ***’s concernsIf I do not provide the information you need in this matter, please do not hesitate to let me know
The concern regarding denial of liability coverage for damages to the parked vehicle:
*** *** reported a claim to Nationwide under his Homeowners policy on September 26, due to his daughter loosing control while driving a golf cart and striking a parked and unattended vehicle on the left front bumper. After completing our investigation, it was determined that based on the facts of the loss that liability would not extend to the damages to the parked vehicle due to the cause of loss being excluded under the policy. The liability provisions of the policy exclude “a motor vehicle or all other motorized land convey owned by or operated by, or rented or loaned to an insured” except when “a motorized golf cart while being operated to or from, or on the premises of a golf course.” Based on our investigation, the loss did not occur on the premises of a golf course nor while the golf cart was being operated to or from a golf course. As such, coverage was not afforded for the damages to the parked and unattended vehicle.
The concern regarding coverage for the repairs to the insured’s golf cart:
Subsequent to the liability claims decision, the insured reported a first party claim for the damages to his golf cart on October 8, 2014. Again after completing our investigation of the claim facts, it was determined that the cause of loss was not caused by one of the covered named perils. The damage to the golf cart was due to the insured’s daughter driving it into a parked and unattended vehicle and not due to one of covered perils. Due to the damages to the golf cart not being caused by one of the listed named perils, no coverage was afforded for the loss
Thank you for bringing this matter to our attention. Based on my review, this claim was properly handled. 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 *** ** *** at ###-###-#### or email her at ***.
Sincerely,
*** ***
*** ***
Nationwide Mutual Insurance Company
###-###-####-####
***
I *** *** has told Nationwide Insurance that I do not go on roofs. This is why I hired a roofing company to go on top of my roof for the third timeSince when we had a bad storm here in *** *** A tornado in *** *** ** & they know this alreadyPS
*** *** ***
To whom it may concern: Thank you for your additional inquiry concerning the above named policyholder On January 28, we received proof of insurance from *** *** Insurance CompanyThis showed that effective September 20, Ms*** bound coverage for the location address listed in the above referenced policy We adjusted the cancellation date of Ms***’s Nationwide Tenant policy from October 24, to September 20, This change has reduced the collection amount from $to zeroMs*** no longer has a balance owed to Nationwide for the policy listed above On January 29, we sent notification to *** *** *** (***) advising there is a zero balance and they cleared the collection at that time. I spoke to *** today from *** and he confirmed that the collection amount was cleared. I asked that he mail Ms*** a letter to advise there is no longer an amount owed and he obligedThe letter is being mailed to her today from *** If you require further assistance, please contact our Customer Relations Coordinator, *** *** at ###-###-####, or by email at ***@nationwide.com
*** *** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** ***
Thank you for the opportunity to respond to the Revdex.com regarding policy
number ##### for *** *** and to address his concerns about the policy
On 08/15/2014, *** *** purchased a six month insurance policy online from
Nationwide.com with a bill plan of 20% down and installments
On 08/29/a Notice of Installment Due was mailed with an amount due of $
and a stated due date of 09/15/On 09/15/no payment was received and a
Cancellation/Notice of Payment due was mailed with a stated cancellation date of
10/03/On 10/03/no payment was received and the policy cancelled per the
09/15/noticeThere is a current balance due of $for the coverage provided
on the policy until 10/03/
*** *** quoted his own policy online and selected his own bill planAt no point in
time was he advised that he was on an automatic withdrawal and his signed application
states the payment plan selected was 20% Down InstallmentsAll documents were
mailed to *** *** at the address provided on his application; *** *** ***
*** ** ***
Please see attached proof of mailing for the 09/15/
Cancellation/Notice of Payment Due
I trust that I have addressed the issues within *** ***’s complaintIf I can be of
further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** offer and response is clearly in bad faith.*** *** how do you justify:Not including the options I mentioned, "FogLamps, DualRadio, Vcr, Television, RemoteStarter" in the settlement offer?Not including the average of the adjusted value of the totaled vehicle determined by the comparison vehicles that your company found?Not giving me the opportunity of a cash payout allowing me to repair my own vehicle? All of these request are industry standards and I'm willing to bet my legal rightDid you bother to read the explanation of my request?
Regards,
*** ***
I do not feel as though I owe anything to this company after they over charged me for insurance for years, have placed claims on vehicles that we never filed, placed claims against my insurance falsely, and owe me money for a claim
Regards,
*** ***
*** *** ***
*** *** *** ** *** ** ***
*** *** **
*** ** ***
*** *** ***
*** *** *** ***
*** *** *** *** ***
** *** *** ***
***
This letter is in response to the complaint filed with your
agency by *** *** ***a regarding his Automobile policy
Our records indicate the Auto policy was written effective October 25, and payment of $was received on October 17, On October 24, 2014, the Vehicle Identification Number was updated which caused an increase in premium of $
The policy was then cancelled effective October 25, as a request from the insuredThe effective date of the policy was changed to October 28, The agent’s office then submitted a cancellation request effective October 25,
We have cancelled the policy effective October 28, so there is no coverage from NationwideA refund of $will be sent on November 18, as an Express refundThis means that the insured will get the refund on November 19,
I have included a breakdown of the account for your review
Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** ***, Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at ***
Sincerely,
*** ***
*** *** *** *** *** * ***
Nationwide Insurance Companies
###-###-####, Ext####
***
I have reviewed the response made by the business in reference to complaint ID #####, and have complied with the response for the coverage brochures from ***, however, with that being said, this complaint is about what Allied/Nationwide offered as coverage.Sincerely,*** ***
Thank you for your recent inquiry regarding a complaint you received from Ms*** *** regarding the cancellation of her dwelling fire policy. On April 7, 2015, a notice was sent advising that the policy would be cancelled because we received notification that this property was not owned by Ms***After further research, we have found that this notification was incorrect and Ms*** is the owner of the property located at Carter Ave., Bessemer, AL Please be advised that the policy will be retained Nationwide does value Ms.***’ business and sincerely apologizes for any inconvenience this may have causedFor any further questions, she may feel free to contact her agent at ###-###-#### between the hours of 8:AM and 4:PM, Monday through FridayThank you for bringing this matter to our attention. As I mentioned above, we will be retaining this policyWe hope this will resolve all pending concerns. Sincerely, John H*** *** *** *** ***
*** *** ***
*** *** *** *** *** *** **
*** ***
*** *** *** *** * *** *** *** *** ***
*** *** ***
*** ** *** *** *** *** *** This loss occurred
on July 7, as stated by *** *** *** ***The *** was contacted by a Nationwide Claim Specialist on July 7, and temporary housing was providedNationwide *** *** *** contacted Mrs*** on 07/11/and discussed the contents portion of this loss*** *** *** responded to the loss where she met with the *** and inventoried the contents in the homeClaim Specialist offered mask to the *** asking if they wanted to enter the homeThey put the mask on and then decided they did not want to go into the houseClaim Specialist then asked them are there any valuables or anything you would like brought out to them and they stated no*** *** *** *** advised Claim Specialist they had everything they needed from the home and had no need to go inThe contents of the home were inventoried, sent to the *** and payment was issuedThe *** later contacted the Claim Specialist stating they had a jewelry box with expensive jewelry and a collection of arrowheads and civil war buttons that were located in what is identified as the third bedroomThe only room that was burned out of site was the son’s bedroom*** *** *** *** were advised all items in the room where they stated these items were was identifiable and the aforementioned items were not in the roomClaim Specialist reviewed her photos of the loss location and returned to the house which had been secured by the property to search for these items with negative results*** *** *** *** were advised of this and asked for proof of ownershipClaim Specialist asked the *** to provide documentation or photos of these itemsThe *** stated the arrowheads and civil war buttons were authentic and were appraisedThe *** submitted photos and values to NationwideUpon reviewing them it was obvious these documents/photos were printed from the internetWe spoke with the *** in reference to the documents submittedThey advised these documents were sent in because the original appraisal were located in the attic and burned in the fire along with any photosThey were then asked for the name and location where the appraisals were obtained and they advised they could not rememberAt this time no verification of ownership has been received
March 25, Catherine McLaughlin Ohio Revdex.com Dublin Road Columbis, OH, Policyholder: Patricia *** Policy #: 7701TNAIC #: 23779/ Nationwide Mutual Fire Insurance Company Your File #: Dear MrsMcLaughlin: Thank you for your additional inquiry. Nationwide Mutual Fire Insurance Company is dealing with the customer in a professional and courteous manner. At this time, the claim is still under investigation. We have made a payment for all damage that has been confirmed. No additional payment can be made until our investigation is completed. We are requesting documentation in accordance with the terms and conditions of the insured’s policy We are communicating with Ms*** directly. If you have any further questions, feel free to contact me at ###-###-#### Sincerely, Ronald H*** *** *** *** *** *** Nationwide Mutual Fire Insurance Company
Dear *** ***:In response to the email we received directly from *** ***, on which you were copied, we offer the following We are aware of *** *** concerns, have completed a through investigation, and are confident that our liability decision is accurateWe have taken the necessary steps to evaluate this claim and the damages to both vehicles. At no point in time did we advise *** *** that we would extend coverage for his damagesWe did advise that he can take his vehicle to our repair facility for an appraisal however; the final liability decision was not complete at that time. *** *** does have the option to seek repairs through his insurance carrier ***We encourage *** *** to contact the claim adjuster with his insurance company ***, *** *** ###-###-#### We hope we have answered the consumer’s questions or concerns that were brought forward with this concern and if there is any additional information needed or clarification on any concerns, please let me know. *** *** *** ***Nationwide Property & Casualty###-###-####***
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First, we would like to thank *** *** for being a long term Nationwide member and for the opportunity to resolve his concerns regarding his auto and motorcycle policies.
We ask that he would please accept our apology for the error that occurred with the cancellation of the motorcycle policy. Today, all policies are cancelled effective June 9, as requested.
Unfortunately, there is still a balance due on the account. The balance of $on automobile policy 6139Mrepresents the amount owed for coverage provided on the Dodge Ram from May 7, to June 9, 2014. A final bill for $was issued to the address we have on file. Due to no payment being received, the debt was referred to Credit Collection Services (CCS) on August 20, 2014, to pursue the collection. On November 13, 2014, a member care representative waived the $assessed on June 24, 2014, which reduced the final balance owed to $51.50.
CCS has been notified of the adjusted amount owed.
A refund check for the unused premium on the motorcycle policy has been mailed. All collection efforts have been stopped and cleared from *** ***’s record for policy ########
Sincerely,
*** ***
Nationwide Insurance
*** *** ***
Dear ***?
This letter is in response to your request for information pertaining to the above file
Our records indicate there were two changes that processed on the Auto policy prior to the renewal date of March 28, 2015, which resulted in the balance due of
$
On February 20, 2015, the Benz was replaced by a Toyota Camry effective February 14, which resulted in a prior term balance of $
On March 4, 2015, the date of birth for *** *** was changed from September 6, to September 6, 1937. This change was made effective March 3, which resulted in a prior term balance of $and a current term charge of $
The Auto policy cancelled effective the renewal date so no premium was charged past March 28, 2015. However, the two prior term amounts of $and $are due for coverage up to the cancellation date
Delta called on February 23, and requested the address be updated to: *** * *** ***,** *** ** ***. This change can be seen on the February 24, Policy Declarations page, however, the change produced no premium increase. There was no charge in premium to the policy for updating the address
I have provided an account history as well as the Policy Declarations pages for your review
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at ###-###-####, Ext. *** or my email address is ***
Sincerely,
*** ***
*** ***
Nationwide
###-###-####
***
Thank you for forwarding the foregoing Complaint to our attention***, a fully ownedsubsidiary of Nationwide Mutual Insurance Company (hereafter '***"), was notified ofthis loss on August 20,at 3:59PM by the insured's agentThe loss was assigned to ***, Material
Damage Claims Specialist the following business day, August 21,2014.I did speak to *** regarding her interactions with Ms*** She did acknowledgethere were some challenging discussions with Ms*** and she did maintain her professionalismduring these conversations.I have completed a review of the claim file and prepared the following timeline to document theinteraction between the Associate *** *** and the Complainant *** ***Thetimeline reflects the history of the claim due to the allegations by Ms*** that Ms, *** didnot explain anything to her and did not return phone calls.On August 1,14, *** *** contacted our insured and accepted liability for this accident.She also contacted *** *** on the same date and dispatched an appraiser to inspect hervehicleMs*** spoke to Ms*** twice on 8/21/On 8/22/Ms*** received theappraisal, for the damages to Ms***'s vehicle and issued payment in the amount of $8937.56.Ms.*** called Ms*** and left a message in addition to sending her a copy of the appraisalOn 8/25/14, Ms*** returned a call to Ms*** and explained the rentalprocedureIt was at this time Ms*** indicated she would like to have the vehicle towed to theSubaru Dealership, *** *** MotorsMs*** had thought the vehicle was beingrepaired at ***'s but Ms, *** indicated she wanted the vehicle repaired at the dealership, Ms.*** did tell Ms*** the vehicle needed to be moved immediately as there would be astorage issue***'s attempted to tow the vehicle to the dealership and they ended up towingthe vehicle back to their location because the dealership would not cover the towThere are someshops that will cover the tow and bill us once they receive the vehicle but that was not the casehere*** then received a bill from ***s in the amount of $for tows, storageand miscellaneous chargesThis bill was paid in full and sent overnight mail to ***'s, Ms.***'s vehicle was towed to *** *** MotorsOn 8/26/the damage estimate wasfaxed to *** *** MotorsOn 8/28/Ms*** called the associate for a copy of herestimate which was mailed againOn 9/2/Ms*** called the associate to advise the vehiclelisted an the appraisal should be a Legacy not a ImprezaThe associate contacted theappraiser who indicated the VIN would not decode in the system due to the model year Theappraiser advised the shop should contact them if there were my supplements or parts pricedifferencesMs*** contacted Ms*** to advise her of the reason and the steps we wouldtake to remedy if there were any parts price differencesThe repairs took a considerable amountof time because there was a part on backorder which is common for new vehiclesThe cost of theongoing rental is not necessarily the obligation of the insurer to absorb entirelyRegardless,*** and *** *** Motors worked together to provide a rental for Ms***during the parts delay.On 11/10/the claimant submitted a letter to present a claim for Diminished ValueIn order for*** to move forward with the Diminished Value claim the repairs to the vehicle must becompletedThe vehicle repairs were not completed at the time Ms*** presented this claim asthem was a part on back orderTwo supplements were received, one on 11/17/and another on11/21/for a total of $Both were paid to the shopNow that the repairs are completedwe are moving forward to determine the amount of the Diminished Value ClaimThe vehiclerepairs must be inspected by our consultant and there is a protocol that is followed to determinethe amount of the Diminished Value ClaimWe will contact Ms*** to coordinate the re-inspection immediately.Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, *** ***, at ###-###-#### or via emailat ***@nationwide.com,
I am in receipt of your reply regarding the above captioned loss and would like to take this opportunity to respond.As we stated in our letter of May 20, 2015, we are having a re-inspection completed of *** ***’s home to confirm if the roof is damaged from a covered event under our policyPer *** ***’s most recent correspondence he has hired an attorney to represent him in this lossAs we are now notified of the presence of an attorney, we are unable to speak to *** *** directlyAt this time we await further contact from his legal representative.If *** *** has already arranged for the re-inspection with *** *** we would ask that this be allowed to go forward so that this loss may be resolved.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or via email at ***.Regards,*** *** *** ***
*** *** ***###-###-####***
I am in receipt of your reply regarding the above captioned loss and would like to take this opportunity to respond.I have discussed this file with *** *** of *** ***He will contact a local roofer to inspect the property to assist in determining the cause of the damage to the roofHarleysville Insurance agrees to pay for the cost of pulling up the tarp and putting it backHarleysville Insurance will not be liable for any damage to the roof from prior tarps.”*** *** advised me that *** *** recently bought this home and was unaware of any past issues with the roofWe would request a copy of the home inspection that was completed prior to the purchase of the home so we can verify the condition of the roof at the time of the purchase*** *** will be requesting this from *** ***.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or via email at ***.Regards,*** *** *** ***
*** *** ***############
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*** I am writing in response to the
complaint submitted by *** *** to the Revdex.com of Columbus, Ohio. *** *** has indicated in his complaint that he has received poor time service regarding the settlement of his claim and requests he receive payment for downtime beginning November 25, until the claim is paid in full, the repairs to his tractor are complete, and not be charged for this monthI assume the last request is in regard to the insured’s insurance premium. The claim was received by the claim associate on November 4, at which time *** *** was contacted and the claim process was explained to include the need for the inspection of *** ***’ damaged tractor and trailer. An assignment was sent to an independent appraiser on November 5, to inspect *** ***’ tractor and was completed on November 13, The completed repair estimate was received on November 14, and payment of $1,was issued to our insured, * * ***, along with a copy of the repair estimate writtenA phone conversation between the claim representative, *** ***, and *** *** followed, explaining the same. On November 21, *** *** called the claim representative to advise his repair facility had their own estimate of repair*** *** was advised to have his repair facility submit the supplemental estimate to the appraiser for review, consideration, and if in line, supplemental payment. The insured contacted the claim representative on December 1, stating his repair facility could not reach the appraiserThe claim representative spoke with the appraiser who confirmed they did speak with *** ***’ repair facility and advised the appraiser they were still waiting on parts to arrive, therefore, could not forward their supplement yetThe claim representative called *** *** back and explained the appraiser is still waiting on the supplement from the insured’s repair facility. The claim representative followed up with the appraiser and repair facility on December 9, December 16, and finally on December 22, for status of the supplemental estimateOn December 22, the repair facility confirmed they had the supplement written and would forward directly to the claim representative for review, audit, and if in line, payment.The supplemental estimate was received via email from the repair facility on December 22, The claim representative then forwarded the supplemental estimate for review and auditOn December 24, the claim representative followed up on status of the audit and is pending a responseThe claim representative will review the claim again for status of the audit and payment consideration for the supplemental repairsOnce the audit is received, to include an agreed repair amount with the insured’s repair facility, payment will be issued directly to the repair facility. There will be no consideration for down time beginning November 25, until the claim is paid in full and the repairs to his tractor are complete, and insured not being charged premium for this month. Should you have additional questions or inquiries, please please contact our Customer Relations Coordinator, *** ***, toll-free at ###-###-####, ext#####, direct at ###-###-####, or by email at *** Respectfully, *** *** *** *** *** ###-###-####, Ext. *** ***
*** *** ***,We are in receipt of your latest communicated dated January 30, We have reviewed our file to addressyour concerns Our insured has a personal auto policy with a liability limit of 100,The loss date was7/4/the loss was reported to Harleysville on 7/25/This most recent response is from *** *** Emailto the Revdex.com.A representative from Harleysville did call *** *** on 1/27/We advised that any additional damagesbeing claimed needed to be inspected by his carrier, *** *** ***They have paid for the damages tohis vehicle, and we have reimbursed them through subrogation.If there are additional damages, this will need to be confirmed and viewed by *** ***'s Carrier, ***
*** ***The estimate written by *** *** *** appears to be written to industry standards.I cannot comment on the practices and guidelines that are being used by *** *** *** but the use ofnon-original factory parts is very common on an older vehicle, in poor prior conditionWheel alignments arenormally only allowed when a wheel or tire is replaced.We have accepted 100% liability for this loss and any supplements that are submitted by *** *** ***will be reviewed by Harleysville, and paid, as long as the additional damages being claimed are loss related.Our file will remain closed.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator,*** ***, at ###-###-#### or via email at ***.Sincerely,*** ** ***
*** ***###-###-####
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*** ***
This letter is in response to the inquiry received from your office on December 10,
We are continuing in our efforts to attempt to find coverage for our customer’s loss to her HVAC system. We have requested documentation from her on her home warranty policy, which she states she canceled as a result of being offered our Equipment Breakdown endorsement (####). If we can verify that the home warranty policy would have covered her loss, we will extend coverage on a one time basis due to a misunderstanding regarding coverage under our endorsement
In response to our request for information, *** *** has provided a marketing brochure for the home warranty company
We have contacted the home warranty company and have been advised that they cannot provide us with any specific information regarding the policy *** *** had. They will however provide the information to *** *** directly
Via *** ***’s insurance agent, we have asked that she follow up with the home warranty company to obtain the needed information. We have yet to receive any further documentation from *** ***
If you require further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, toll-free at ###-###-####, Ext #####or by email at ***
Sincerely,
*** ***
*** ***
Western Claims Zone
Allied Property & Casualty Insurance Company
Phone: ###-###-####
Email Address: ***
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Thank you for your recent inquiry regarding a complaint you received from *** ***. As Property Claims Manager, I have reviewed this claim fileBased on this review, I will address *** ***’s concernsIf I do not provide the information you need in this matter, please do not hesitate to let me know
The concern regarding denial of liability coverage for damages to the parked vehicle:
*** *** reported a claim to Nationwide under his Homeowners policy on September 26, due to his daughter loosing control while driving a golf cart and striking a parked and unattended vehicle on the left front bumper. After completing our investigation, it was determined that based on the facts of the loss that liability would not extend to the damages to the parked vehicle due to the cause of loss being excluded under the policy. The liability provisions of the policy exclude “a motor vehicle or all other motorized land convey owned by or operated by, or rented or loaned to an insured” except when “a motorized golf cart while being operated to or from, or on the premises of a golf course.” Based on our investigation, the loss did not occur on the premises of a golf course nor while the golf cart was being operated to or from a golf course. As such, coverage was not afforded for the damages to the parked and unattended vehicle.
The concern regarding coverage for the repairs to the insured’s golf cart:
Subsequent to the liability claims decision, the insured reported a first party claim for the damages to his golf cart on October 8, 2014. Again after completing our investigation of the claim facts, it was determined that the cause of loss was not caused by one of the covered named perils. The damage to the golf cart was due to the insured’s daughter driving it into a parked and unattended vehicle and not due to one of covered perils. Due to the damages to the golf cart not being caused by one of the listed named perils, no coverage was afforded for the loss
Thank you for bringing this matter to our attention. Based on my review, this claim was properly handled. 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 *** ** *** at ###-###-#### or email her at ***.
Sincerely,
*** ***
*** ***
Nationwide Mutual Insurance Company
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I *** *** has told Nationwide Insurance that I do not go on roofs. This is why I hired a roofing company to go on top of my roof for the third timeSince when we had a bad storm here in *** *** A tornado in *** *** ** & they know this alreadyPS
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