Free Air Fine Art

I have attached the estimates I've received to dateI am in the process of obtaining a 3rd.Grange contacted a contractor, [redacted] who I fired during the dry out process for multiple reasons, one of which was breaking my bed & causing me & my wife to sleep on the couch for a week, and asked them to provide an estimate based off of the estimate provided by MrP [redacted] [redacted] did not receive payment for their part in the dry out due to their incompetency which caused me to fire them & hire another companyIf Grange believes this is a fair & accurate attempt to come to a resolution they are sadly mistakenGrange's estimate was for $5,698.07, [redacted] was $6,My contractors, one of which I've never met before, came in at $8,& $11,I will obtain the 3rd estimate & we will be in touch with regards to how we would like to proceed as far as the appraisal, etcI've had my home taken apart for months all because Grange has refused to pay a fair & reasonable contractor the rate which they are chargingMy preferred contractor was the cheaper of the estimates I received & I suspect the 3rd estimate will be higher than my preferred contractor as wellGrange calling on a contractor I fired, one which they also refer to clients, to obtain an estimate where they did not receive payment for the work they completed is not only unethical but down right bad businessI find it VERY suspicious & disappointing that this company, who will ultimately lose about $750/month from me and also all of the business which I have referred to the agent who was writing many of these policies through them, would go to such extremes to be unreasonable & unfair with regards to paying their claimsI have never had an insurance claim in my life so this is my 1st experience & a very disappointing one at thatRegards, [redacted] ***

[redacted] Insured: [redacted] Complainant: [redacted] Date of Loss: 4/24/ We have reviewed Mr [redacted] s response and the fact he does not accept our offerOver the past few months we have made what we believe to be a fair offer for the damage to his vehicleWhile we respect his position we are unable to modify our offer at this timeWe would like to thank the Revdex.com for their assistance in this matter Please contact me @ ###-###-#### with any questions Sincerely, Eric F [redacted] Fax: ###-###-#### [redacted]

Thank you for allowing Grange Mutual Casualty Company the opportunity to respond to the inquiry from Mr [redacted] This incident occurred on September 5, when our insured, Mr [redacted] , was attempting to park his boat in a slip While trying to do so, the wind blew his boat toward Mr [redacted] ’s boat, and in a panic, our insured accidentally hit the throttle and bumped Mr [redacted] ’s boat Points of impact were the starboard quarter of the insured boat with the bow of Mr [redacted] ’s boat at the anchor roller Our insured reported the loss to Grange Insurance on September 15, and a Property Damage claim was opened for Mr [redacted] at that time On September 15, 2016, our adjuster spoke with our insured and Mr [redacted] and confirmed that coverage would be afforded and liability was accepted for this loss Our insured reported his damage as a thumbnail sized chip in the fiberglass in the starboard rear Mr [redacted] submitted an estimate on September 16, from [redacted] Marine for $which included replacement of the anchor roller, repair of stanchions and removal and reinstallation of the bow rail (A “stanchion” is an upright bar, post or frame forming a support These stanchions support the bowrail that circles the boat, away from the point of impact.) He submitted a second estimate on September 22, from [redacted] Marine for $10,which noted labor, miscellaneous materials and that boat should be inside for month before repair On September 23, we contacted Mr [redacted] to obtain the location of the boat and advised that we would be sending an independent appraiser to inspect the damages On September 26, 2016, a referral was made to [redacted] Marine Surveyors who then referred the inspection to [redacted] with [redacted] Surveying because he was closer to the boat’s location On September 30, 2016, Mr [redacted] ’s boat was inspected by [redacted] who wrote an estimate for $to include replacement of the anchor roller and its fasteners He noted that starting with the sixth bowrail stanchion base there are cracks coming from the stainless steel fasteners The cracks appeared to be old and are consistent with either overtightening or using too large of a screw for the drilled hole He noted all six stanchions along each side have identical cracking He also noted that the bowrails appear to be in the proper position and were not pushed to the starboard side, which was the direction of the impact He did note a bend in the hand rail on the starboard side, but felt that most likely happened during docking as it was not at the point of impact Mr [redacted] also inspected our insured’s boat and noted scr***es on the starboard quarter at the same height as the anchor on Mr [redacted] ’s boat This is consistent with the description of the accident We provided Mr [redacted] with the two estimates submitted by Mr [redacted] and received an email from Mr [redacted] on September, 30, advising that he had spoken with both vendors who wrote the estimates, and that both were of the same opinion that the damage at the base of the stanchions was previous damage On October 3, 2016, our adjuster issued payment per the appraiser’s estimate for $for damage related to this loss She emailed a copy of the estimate at this time On October 26, 2016, Mr [redacted] spoke with a Claims Manager and advised that he did not agree with our appraiser’s estimate of related damages and that the vendors where he had received estimates advised him that they had not spoken with our appraiser At that time, our adjuster contacted appraiser [redacted] and reached him on October 31, He explained that the only damage related to this incident was the anchor area and not the stanchions or railing He reiterated what was in his report and included commentary on the fact that there was dirt in the cracks by the screws, which was another indicator that this was prior damage He believed that Mr [redacted] requested an estimate of damage from the vendors but did not mention the facts of this incident Mr [redacted] confirmed that he spoke with [redacted] at [redacted] Marine and [redacted] at [redacted] Marine Mr [redacted] also requested a copy of the appraiser’s report when speaking with the Claims Manager This was sent via email to Mr [redacted] on October 28, On October 27, 2016, Mr [redacted] emailed photos of his boat to Grange Insurance to demonstrate that the damage was not there previously, however, we were unable to clearly see the areas of damage when attempting to zoom in There was also no date for record of when the photos were taken On November 2, 2016, our adjuster reached [redacted] at [redacted] Marine He advised that he was only asked to write an estimate for damage He stated that Mr [redacted] indicated the boat had been hit in bow area but pointed out damage to bow pulpit and entire railing on both sides He did not judge causation, only wrote an estimate for repair as requested He went on to say that he could not connect the vast majority of damage with this impact First, he advised that there was no damage to the railing itself In addition, the railing is connected to the deck and there are fasteners in four corners where it connects If there had been an impact to the railing, the railing would have been bent and the gel coat at the base would have fractured and shown upward pull The fractures would have looked crisp He stated the cracks he saw were black and did not feel it was related to this incident He advised he did not want any further involvement in this matter Attempts to contact [redacted] at [redacted] Marine were made on October 31, and November 2, 2016, but were unsuccessful A message was left on November 2, requesting a return call, which has not been received to date On November 4, 2016, our adjuster received a call from [redacted] with [redacted] Marine Surveyors who advised that Mr [redacted] contacted him and was not in agreement with the inspection findings Mr [redacted] advised our adjuster that he went to two marinas and found identical boats with the same cracks He stated that he is standing behind Mr [redacted] ’s inspection and report Thank you for the opportunity to explain our position If you have further questions, please feel free to contact me at ###-###-#### Sincerely, Jon M [redacted] AVP Division Claims Manager ###-###-#### m***[email protected]

Thank you for allowing Grange Property & Casualty the opportunity to respond to Mr.***'s inquiry.This claim was assigned to our claim representative, Mike P [redacted] on March 7, Mr.P [redacted] contacted [redacted] on March 7, A toilet flap at the ***'s home didnot close properly and it ran for four days while the ***'s were away from theirhomeMrP [redacted] set up an inspection for March 8, Mr [redacted] had hired acontractor; [redacted] and they were on the scene at that time workingto clean up the water and mitigate damages.The inspection was completed on March 8, with Mr [redacted] and a representativefrom [redacted] ***A scope of the damages was discussed at that point but access toall areas of possible damage was not yet possibleCoverage was discussed with Mr[redacted] at that time.The next day MrP [redacted] received a call from the [redacted] General Manager whoadvised him the ***'s had told them to remove their equipment due to adisagreement regarding the tear out of the ceiling drywallMrP [redacted] ' left a messageon Mr***'s phone to speak with him concerning the changes with the contractorand the claim status.On March 10, Mr [redacted] advised MrP [redacted] he called [redacted] to pickup the work where [redacted] left off.MrP [redacted] called Mr [redacted] on March 16, and they set up a reinspection time forthe next morningThe reinspection took place and additional tear out of drywall hadbeen completed by [redacted] beyond what [redacted] had discussed withMrP [redacted] MrP [redacted] revised his estimate on site to account for the additional tearout of drywall and gave a copy to Mr***Mr [redacted] had given his contractor Mr.P [redacted] 's contact information but he had not heard from them at that pointPaymentbased on MrP [redacted] 's estimate was issued that day, March 17, On March 28, MrP [redacted] reviewed the file and still had not received anythingfrom [redacted] on the water mitigationMrP [redacted] checked online to see if hecould get any information on them, but he was unable to locate any information orcontact information for [redacted] .MrP [redacted] received an email from Mr [redacted] along with an estimate from [redacted] on April 1, The estimate provided had no square footage or line itemdetailsMrP [redacted] told Mr [redacted] to give our estimate to his contractor and have themcall him.On April 8, 2016, [redacted] advised MrP [redacted] that the carpeting the ***'spicked out was more expensive than what we had on our estimateHe also indicatedthe hardwood floor in the pantry could not be saved and would need to be replaced andrefinishedMrP [redacted] advised he needed an original carpet sample to have thecarpeting they had analyzed for pricing and that our pricing on the drywall and paintingis what we pay on those items based on industry standards and Xactimate pricingMr[redacted] indicated he wanted this resolved and his claim paid.On April 12, MrP [redacted] spoke with [redacted] from [redacted] and workedthrough some discrepancies on the water mitigation, which she was going to discusswith her managerOn April 19, [redacted] agreed to the water mitigationamount and payment was issued.The ITEL labs were received April 19,on the carpet and a revision was made basedon the actual carpeting the ***'s had at the time of the lossOur estimate was revisedand payment was issued on April for the water mitigation and additional payment onthe carpeting portion.At this point, we have revised our estimate and feel the estimate is a fair and reasonableestimate of what is needed to repair the ***'s homeWe use Xactimate estimatingsoftware, which is used by both contractors and insurance companies and is utilized bythe majority of the market in estimating residential property damageGrange usesXactimate pricing as well and does not modify the pricingThis pricing is used to settlethe several thousand property claims we handle each yearWe have offered to providea list of area contractors that work from the same estimating system to assist theinsured [redacted] ***, who was the contractor initially chosen by the ***'s, waswilling to work with our pricing.We have an obligation to our policyholders to pay a reasonable price for covereddamages to be properly repairedIf property owners choose a contractor that chargesmore, they are entitled to do so with the property owner picking up the difference inpricingAt this point, we believe we have fulfilled our obligations on this claim.Sincerely,Dan M [redacted] Phone: 800-837-ext253Fax: 800-837-0483Email: [email protected]: Ohio lnsurance & Financial Group

Grange's representative MrEric F [redacted] completely ignored my prior response because it highlighted Grange's blunder in fairly valuing my Camry vehicle As I indicated previously and contrary to MrF [redacted] 's assertion, Grange never revised the CCC One appraisal report to reflect my three Craigslist ad comparables for Camry vehicles listed for sale by private individuals Accordingly, they would not be subject to Grange's $deduction for dealer condition adjustment that they made to the three dealer vehicles used in report # [redacted] The Craigslist ad vehicles would only be subject to an adjustment for comparable mileage and would result in adjusted value of approx $for my vehicle A copy of CCC One appraisal report # [redacted] has been included separately as part of this complaint My vehicle was not for sale at the time of the accident and it also was not owned by a dealer at that time Accordingly, the dealer condition subtraction of $is not applicable to my craigslist comparables for used Camry vehicles listed for sale by private individuals The value of my vehicle is approx$based on my craigslist comparables adjusted for mileage differences.As I indicated above, I am providing a copy of CCC One appraisal report # [redacted] as evidence that Grange did not utilize my Craigslist comparables of privately-owned vehicles listed for sale in making a good faith appraisal and valuation of my totaled Camry vehicle Thank you for your assistance in this matter.Regards, [redacted]

Thank you for allowing Grange lndemnity the opportunity to respond to the complainant'sinquiry.MrComplainant disagrees with our liability position regarding this fileComplainant contendsthat our insured entered his lane of travel while negotiating a curve in the roadway and struckthe left rear wheel of his trailerOur insured contends that the rear of the complainant's trailerentered her lane of travel while negotiating a curve in the roadway, causing our insured to strikethe trailer of the complainantSeeing that we could not prove one account over the other asthere was no evidence to prove which lane the impact occurred, liability was subsequentlydenied and referred to our subrogation departmentOur subrogation department initiallyrequested reimbursement for the amount paid for our insured's damagesWe have sincedecided to cease pursuing collection due to conflicting accountsWhile the police did respondto the accident scene, the responding officer did not witness the accident and the vehicles weremoved prior to the police department's arrivalOur insured disputed the citation she receivedand ultimately had it dismissed in court.I hope this addresses any concerns you may haveIf you require additional information, pleasecontact our office.Sincerely,Steven E [redacted] P# ###-###-####E: [redacted]

Hello,You are closing my case but I have yet to receive correspondence from Grange stating that they have corrected where they sent me to collections (thus affecting my credit score) and also stating my account balance is $as of the end of my policy on 09/24/I don’t know how this can be closed with no confirmation and no documentation that Grange has truly done what they should have

Dear Ms [redacted] , Thank you for allowing Grange the opportunity to respond to Mr***’s concern regarding the settlement amount presented for his Chevrolet Silverado that was damaged in this lossGrange received notice of this loss on February 24th, As Mr [redacted] mentions, our insured struck his vehicle which was parked at the time of the accidentWe did not have Mr***’s contact information at the time of report, however he reached our adjuster on February 27th to discuss the lossMr [redacted] informed Grange that he would drop off his vehicle at [redacted] Glass the following afternoonA rental reservation was created for Mr [redacted] on that date as wellMr [redacted] was informed on March 6th by a Grange appraiser that his vehicle was considered a total loss and that he would be hearing from an adjuster regarding the value of his vehicleMr [redacted] was contacted on March 7th and advised that our staff appraiser noted significant rust to the rocker panels, cab corners, frame and the rear bumper This information was considered when determining the overall condition of the vehicle while running the evaluation through [redacted] ***Grange reviewed the vehicle options with Mr [redacted] and advised that condition of his auto was considered below average due to the excessive rust, reducing the actual cash value of his vehicleAn offer was presented for $3,Mr [redacted] disagreed with this amount and picked up his vehicle from the shopIt was also on this date that Mr***’s complaint was submitted to the Revdex.comThe following day, Mr [redacted] submitted receipts for recent maintenance on the vehicle which increased the actual cash value to $4,Mr [redacted] was advised of the value increase on March 9th, to which he replied that his father had contacted an attorney on his behalfOn March 12th, Grange received a call from [redacted] ’s father regarding the evaluation of [redacted] ’s vehicleAfter reviewing our position, he advised our adjuster that he would be contacting his own carrier for an evaluation.In regards to Mr***’s desired settlement, we feel that our assessment of his Chevrolet Silverado is fair and reasonable when considering the condition the auto was in at the time of lossTo date, Mr [redacted] has yet to provide his lienholder information to determine what is currently owed on the vehicleIt appears now he may be pursuing this loss through his own carrier as wellIf you have further questions or I can provide any additional information regarding this matter, please feel free to contact me at ###-###-####Sincerely, Steven E [redacted] Fields Claims AMD ManagerP: ###-###-#### E [redacted] @grangeinsurance.com Cc: Ken K [redacted] – Vice President Claims

A refund of $was mailed to the address on the policy on March 22,

In response to your correspondence received May 13, 2015, I have reviewed the above captionedclaim and respond accordingly.Grange Insurance inspected [redacted] 's Toyota Corolla on April 8, and determinedthe vehicle to be a total lossA settlement offer was made to [redacted] the next day by claimrepresentative [redacted] [redacted] requested we reconsider our decision that hervehicle was a total loss and repair her vehicle [redacted] obtained a signed contract of repairwith a body shop of her choice to repair the vehicle.Due to the fact that there is currently a lien on [redacted] 's Toyota Corolla, we have a duty toprotect the lien holder when there is a claim for damages where coverage applies [redacted] hasbeen in regular contact with the lien holder and is following all requirements made by themGMFinancial is the lien holder and they have instructed Grange that we must issue a two party checkfor the repairsA two party check was issued in [redacted] 's name and [redacted] on May12, immediately after we were given their approval to proceed with payment.While we understand that [redacted] has been inconvenienced by her motor vehicle accident,we do not feel Grange Insurance is responsible for the delay and won't refund her deductible.If you have any questions, please contact me at ###-###-####[redacted]

the information provided by MrR [redacted] is not factual On 9/29, Susan C [redacted] advised verbally that I would have days to return the rental car once I received an official offer I did not receive an official offer until 10/despite following up with her several times (she apparently was out on vacation with no back-up) I NEVER mentioned anything about having my insurance company be involved I did mention that days was not enough time to locate and buy a vehicle and that my insurance typically covers rental vehicles for days I want to note here again that MsC [redacted] called me and I accepted her call while driving, and advised her of this fact I very specifically asked for all details of this conversation to be sent via e-mail There was never any mention of returning the rental vehicle in this communication; I assumed that this was because there was also not an offer sent at this timeIn a later conversation with MrR***, where we never discussed the rental carMr R [redacted] suggested that I involve my insurance company since Grange's overall offer was very low This seems to be MrR***'s approach Instead of handling this claim in a professional manner, he just recommends that my insurance pay for things even though his Company's insured was 100% liable for this accident.I would also like to see Grange's policy that Rental car coverage ends days following an offer for a Total Loss as well Overall, even with a check in hand, it doesn't seem reasonable to expect someone to find and purchase a replacement vehicle in hours Sincerely, [redacted]

Grange Insurance is in receipt of the response from Mr [redacted] and thank you for allowing us to respondWe have deemed Mr [redacted] ’s Ford Escape a total lossGrange Insurance does not owe to replace Mr [redacted] ’s vehicleWe owe the actual cash value for the vehicleWe have provided Mr [redacted] with the CCC One market valuation report that used comparable vehicles to determine the marketplace valueVehicle market valuation services like CCC one are approved by the Ohio Department of Insurance for use in settlement of total loss claimsWe are confident that the value from CCC One is fair and we will not be changing our settlement offer Sincerely,Jon M***AVP, Division Claims ManagerTrustgard Insurance Company###-###-####m***[email protected]

This will be our final rebuttal to Johathon C [redacted] and Granger InsuranceThe facts are that we stand by our statement dated 7/20/when we supplied additional information from Chase Bank and 2nd additional insurance policy that Jonathan C [redacted] was not aware that existed.We are not surprised that Jonathan C [redacted] continues to fabricate all the facts about our home under construction.Additionally, we stand by our all statements that have been made in regards to this case.To Jonathon C [redacted] , this is unbelievable on your response in the last rebuttal “It does appear that there was miscommumnication between Mr***, his agent [redacted] , and Grange Property & Casualty Insurance Company regarding the competed construction of his home and the timeframes of the policy effect datesWe apologize for the confusion this caused.”In previous statement Jonathon C [redacted] claimed that we purchased the policy for only months, currently he admitted that we purchased the policy for years.Records indicated that we completed our residence in (see included Lake County Tax copy).Our policy should have never been cancelled, our insurance policy should have been reclassified (house complete) and continued forward from 2016, our agent was advised and never stopped by to verify completion.RE: Jonathon C [redacted] ’s statement on 8/24/“...miscomunnication, we apologize for the confusion this caused”We demand adjustment!If Granger Insurance does not respond we will file a claim with Ohio Attorney General Mike DeWine [redacted] *** [redacted] ***

In response to your correspondence dated October 30, 2015, I have reviewed the above captionedclaim and respond accordingly to Mr [redacted] 's reply.During the course of handling the claim, Grange advised Mr [redacted] of his options and assisted himwith repairs of his choiceMr [redacted] choose to use [redacted] and we preserved hischoice of repairs and did not indicate where he could or could not repair his vehicleAt the momentGrange became aware of the excessive charges Grange called Mr [redacted] and set expectations wewould not consider the addition chargesMr [redacted] had the opportunity to move his vehicle toanother shop or work the charges out directly with the shop of his choice.Mr [redacted] choose the shop, authorized the repairs and continued the repairs knowing Grangewould not consider the excessive chargesGrange has indemnified Mr [redacted] for the repairs basedon market rates and provided him a rental during the processThe charges paid by Mr [redacted] werebased on excessive labor rates not approved by Grange.Best regards,Jennifer SN [redacted] ***

This letter is in reference to a complaint filed by [redacted] regarding injuries hesustained along with property damages to his Suzuki motorcycle as a result of anauto accident that occurred on May 19, 2015.This claim was reported to Grange Insurance on May 20, Grange establishedcontact with [redacted] the same day and confirmed the facts of lossA request wassent to inspect his Suzuki motorcycle and a personal injury claim was opened.Grange also made contact with their insured driver [redacted] to confirm the facts ofloss and an inspection of his Ford F-was also requested.Grange received the vehicle inspections back on May 27, and was able to concludetheir liability decisionGrange insurance accepted 70% liability and placed 30%comparative negligence on [redacted] based on the statements both parties provided andthe inspections completed on the vehiclesGrange made contact with [redacted] onJune 5, and informed him of the liability decision[redacted] accepted 70% of the estimate that was completed on his Suzukimotorcycle and a check was issued to him in the amount of $On June 10, [redacted] settled his injury claim with Grange and his medical bills in the amount of$was paid in addition to a pain and suffering settlement of $Grange considersthis claim settled and closed at this time.Please contact me @ ###-###-#### with any questions.Sincerely, [redacted] Fax: ###-###-#### [redacted]

In response to your correspondence dated October 5, 2016, I have reviewed the abovecaptioned claim and respond accordingly.Grange Insurance received this claim for hail damage to the Honda CR-V on May30, Claims Representative Angie H [redacted] spoke to Ms [redacted] on June 3, andarranged to have the vehicle inspected for damages and completion of an estimate ofrepairFollowing the inspection, MsH [redacted] made several attempts to reach Ms [redacted] with no successOn June 18, 2014, Ms [redacted] contacted MsH [redacted] and requested thatthe payment check be issued to her only and explained that she and [redacted] wereseparatedMsH [redacted] indicated that the check must be in [redacted] 's name since he was theownerA check in the amount of $2,was issued payable to [redacted] K [redacted] andthe lien holder ***The check was mailed to [redacted] .On June 30, 2014, [redacted] contacted MsH***He explained that he and Ms[redacted] were in the process of getting a divorceHe said that his attorney was workingwith Ms [redacted] 's attorney to resolve ownership of the vehicleHe added that thevehicle may have more damage than was captured on our estimateMsH [redacted] indicatedthat a re-inspection would be necessary, but since Ms [redacted] had possession of thevehicle she would need to work with us on those arrangements.On July 14, 2016, Ms [redacted] called Grange Insurance to discuss her claimMsH***is no longer employed at Grange, so the claim was assigned to Claims RepresentativeCarolyn S*Ms [redacted] stated that she was in the process of converting the title ofthis vehicle into her name and was entitled to payment for this claimMsS [redacted] askedher to send her a copy of the title once this was completed.Grange received a copy of the title on August 30, After attempting to void theinitial check, MsS [redacted] was informed that the check had been remitted to the state ofSouth Carolina as unclaimed funds and that the check could not be voidedMsS***attempted to contact Ms [redacted] to discuss her findings, but was unable to reach her.Ms [redacted] contacted MsS [redacted] on September 22, MsS [redacted] explained thesituation to Ms [redacted] They agreed that MsS [redacted] would contact the Office of theTreasurer of South Carolina to find out what Ms [redacted] would need to doMsS***spoke with a woman named [redacted] who stated that she could not locate a check sent tothem by GrangeAfter following up again with our Accounting Department, MsS***was informed on September 26, that the check was actually cashed by Mr [redacted] on July 5, They were able to secure a copy of the cancelled checkMsS***attempted to contact Ms [redacted] the same day, but was unable to reach her and had toleave a messageTo date, MsS [redacted] has not been able to speak with Ms [redacted] toinform her of our findings.Since the check for damages related to this claim has been cashed by our insured [redacted] , we are unable to void and reissue the check to Ms [redacted] .If you have further questions or I can provide any additional information regarding thismatter, please feel free to contact me at ###-###-####.Sincerely, ,Jon M***

Dear [redacted] ,Thank you for the opportunity to respond to this complaint filed by [redacted] Please see attached response.Sincerely, [redacted]

Thank you for allowing Grange Property & Casualty Insurance Company the opportunity to respond to [redacted] 's inquiryGrange Property & Casualty Insurance Company provides a Homeowners policy for [redacted] Mr [redacted] presented a claim for damage to the furnace on 2/8/2018.Please see below.Timeline of claims handling:Date Event02/08/Date of Loss02/08/Loss Reported to Grange02/08/First Contact made with ComplainantHe stated he woke up with no heatin homeHe called [redacted] ***r who advised the system would requirereplacementThe claim was referred to [redacted] Steam Boiler forequipment breakdown review.02/09/to 02/15/ [redacted] ***r confirmed electrical damage to several components whoserepair totaled $1,The insured chose to replace the furnace andair conditioning unit, in addition to some ductwork, with a replacementcost of $12,507.0002/15/No damage was observed to the air conditioning unitSettlement wasrecommend based on the cost of the damaged items less the policydeductible of $500.00.02/22/Additional damage was identified to the heat exchanger, the repairproposal totaled $1800.0002/22/ [redacted] determined when considering the initial repair evaluation of$1720, this additional damage exceeded the replacement cost of thefurnaceSettlement was revised to represent replacement of the furnacein the amount of $2,250.00, and a check for $was issued.02/22/The replacement cost of a LKQ furnace was determined to be $1,800.00.The policy provides up to 125% for efficiency improvements, making thereplacement cost allowance $2,250.00We attempted a three way call with the [redacted] Steam Boiler adjuster and Mr [redacted] to discuss the valuation;however, Mr [redacted] indicated he had already discussed the issue with [redacted] and did not see any resolution.We have issued all payment due under the policy at this timePayment authorizations are attached for yourreview.Please feel free to call me with any questions at the number listed below.Sincerely,Tracy LG***, CPCU, AIC, CLCSCommercial Claims Property ManagerGrange InsurancePhone: (800) 422-ext

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

March 14, 2018Enclosed is my letter from the ODI and thank you for your help and may God Bless you for who you are to myself and the others who will need you for your assistanceI will let you know when my credit record is clearedMaybe like you said the end of May 2018.Sincerely, [redacted]