Free Air Fine Art

Thank you for allowing Grange Property & Casualty Company the opportunity torespond to Ms***'s inquiry.Ms***'s homeowners policy with Grange Property & Casualty Company, ** ***was written with an effective date of November 16, The agent submitted policydid not indicate that
there was a supplemental heat source in the homeThe policypremium was $574.00.Grange often completes an inspection report on insured properties to ensure that thereare no visible risk hazards which could impact eligibility or the policy premiumOnDecember 11, our Underwriting department reviewed an exterior inspectionreport of Ms***'s propertyThe report noted the presence of a wood burning stoveas indicated by a visible metal flueAdditionally, Underwriting reviewed interiorphotographs of the home on Zillow.com which confirm the presence of a free-standingwood fireplaceCopies of the exterior inspection report and interior photograph areenclosed.Grange Property & Casualty Company does apply a surcharge for supplemental heatsources including, but not limited to wood stoves and free-standing fireplaces as thesetypes of units present an increased fire hazardThe Supplemental Heat Factor isdescribed in the Premium Calculation section of the Underwriting ManualAt the timethe inspection was reviewed, Underwriting added a supplemental heat surcharge to thepolicy which increased the policy premium to $A copy of page F-of theUnderwriting Manual are enclosed.Should you have any additional questions, please feel free to contact me.Sincerely,Jonathon C*** *** *** ***

In response to your correspondence dated September 2, 2016, I have reviewed the above captioned claim and respond accordingly.This claim was reported to Grange Insurance on August 29, We contacted Mr*** and gathered the facts of lossMr*** reported that on August 28th, he drove
through high water from recent storms and his insured vehicle stalledWe offered to have the vehicle inspected at North Canton Collision and arranged a rental vehicle for Mr***.On August 30th, Mr***’s Mercury Montego was inspected at North Canton Collision by Grange Appraiser Shawn S*During the inspection we found no evidence of water in the oil, air cleaner, air cleaner housing or engineWe advised Mr*** that the vehicle would need to be towed to a mechanic shop for tear down and then reinspectedWe also advised Mr*** that the vehicle should not be driven due to engine noise that was identified upon our inspection. On August 31st, Mr*** submitted an estimate from *** *** *** dated August 28th that stated that the Mercury Montego was inspected and the “air box and air filter are soaked with water indicating engine has ingested water”Due to these findings contradicting our inspection of the vehicle, we called *** *** *** to further discuss the merits of this claim. On September 1st, contact was made with *** *** *** and we were told that Mr*** drove the vehicle to their shop and that water was found in the air cleaner and top end of the motorIt was during this conversation with *** *** that we explained that we had evidence of dry dirt in the airbox and that our investigation showed no physical signs of water damageAs a result of the conflicting physical evidence, we informed the shop that we would look into this matter further and possibly involve members of our Special Investigation UnitWithin one hour of this discussion with the shop, Mr*** called and requested to withdraw his claimAs we explained to Mr*** and his mechanic, if he would like to continue with his claim, we will need to have his vehicle torn down and reinspected by a Grange staff member. If you have further questions or I can provide any additional information regarding this matter, please feel free to contact me at ###-###-####. Sincerely,Jon M***

In response to your correspondence dated October 21, 2015, l have reviewed the abovecaptioned claim and respond accordingly.The above captioned loss was reported to Grange on 9/9/and contact was made with Mr.*** on the same business dayDuring the initial conversation with M r***,
Grangeaccepted liability and set expectations for the next step of repairs while preserving Mr***choiceAt the time of the initial conversation, Mr*** was undecided of his repair locationso Grange inspected the vehicle to prevent any delayThe inspection was complete and Mr.*** was paid on 9/10/in the amount of $1106.82.On 9/15/15, Grange received a call from Mr*** indicating he set an appointment with theshop of his choice for that afternoon and was in need of a rentalGrange setup the rental andobtained the shop information to assistOn 9/16/15, Grange received a supplement from*** requesting a re-inspection and enclosed in the email was a copy of ***'s estimate(See Attachment)*** provided an estimate in the amount of $with a request toaddress the labor rate changes on the supplementThe vehicle was re-inspected afterteardown by Grange on 9/17/the approved supplement was paid in the amount of $2496.75(See Attachment)On 9/17/15, the appraiser indicated to *** that Grange would notconsider any payment over industry standardsThe Grange appraiser then called Mr***on 9/17/setting expectations of the labor rate differences and confirmed Grange paid thefair and reasonable amount to repair his vehlcleWe further explained the additional laborcharges were excessive and Mr*** would need to work the charges out with the shop.The repairs continued after that conversation based on the agreement with Mr*** and***.During the course of the repairs the shop submitted an additional supplement to Grange on10/1/15, 10/6/for back up sensors that Grange already addressed that were not damaged.The appraiser paid a third supplement on 10/7/to reset the codes of the sensor, butexplained he would not include a part that was not damagedThe shop confirmed the sensorwas not damaged, but continued to include in the supplement correspondence (SeeAttachment)The shop did not request any other supplements for labor rate differences afterthe expectations were set with both the shop and Mr*** on 9/17/At the time Grangewas made aware of the issue we called Mr*** discuss our concernsWe advised Mr.*** that Grange would not pay the additional charges over the market rate to the shop ofhis choice and he choose to continue the repairsThe shop unfortunately passed the cost to Mr.***.In addition, Grange is not in the habit of speaking negatively about a shop, but has set properexpectationsGrange has indemnified Mr*** for the repairs based market rates andprovided him a rental during the processThe charges paid by Mr*** were based onexcessive labor rates not approved by Grange.Jennifer N*** *** *** *** *** ***

Thank you for your correspondence dated February 21, outlining the complaint of ourinsured *** ***Grange lnsurance Company of Michigan provides a personal linesauto policy to Ms*** providing standard collision and comprehensive coverages, eachwith a $1,deductible.On December
28, Grange lnsurance Company of Michigan spoke with Ms***regarding her accident that took place on December 25, Ms*** advised that theDetroit Police Department had her Subaru Legacy towed from the scene to *** ** ***Towing in Highland Park, MichiganMs*** elected to have her vehicle moved to*** *** Collision to have the repairs completed on her vehicleGrange lnsuranceCompany of Michigan contacted *** Towing to tow the vehicle from *** ** *** Towing to*** *** CollisionMs*** later changed her mind and wanted to move the vehicleto *** Auto Collision in Detroit, Michigan*** Auto Collision dispatched their towcompany to pick up the vehicle from *** *** Collision and moved it to their collisionshopMs*** advised us that *** Collision did not have the keys for the vehicle.Grange lnsurance Company of Michigan contacted *** *** Collision who advised thatwhen they received the vehicle from *** Towing there were no keys with the vehicle.Grange lnsurance Company of Michigan then contacted *** Towing*** Towing advisedthe keys were not with the vehicle when they picked it up from *** ** *** Towing***Towing dispatched another tow truck to *** ** *** Towing to pick up Ms***'s keys forthe Subaru LegacyAt that time *** ** *** Towing advised *** Towing they didn'thave the keys and that the customer must have them.On December 30, Grange lnsurance Company of Michigan filed a mini-tort claim withState Farm on behalf of Ms***Grange lnsurance Company of Michigan faxed thedamage estimate, declaration page of Ms*** auto policy, and the police report to StateFarm attention to their claim number of ***State Farm does not feel their driver wasat fault for the accident so they denied Ms***'s mini-tort claimSince the claimant's StateFarm policy was active for the date of loss there is no subrogation opportunity for Grangelnsurance Company of MichiganAlthough we do not agree with State Farm's liability decisionGrange lnsurance Company of Michigan does not have any recourse against them.Sincerely,*** ***Field AMD Manager

Thank you for allowing Grange Property and Casualty Insurance Company the opportunity to respond to the inquiry The insured contacted Grange Property and Casualty Insurance Company on August 31, and requested the policy to be cancelled. The insured was advised in order to cancel
the policy a signed cancellation request would be required and a cancellation request was mailed that day to the insured The insured contacted Grange Property and Casualty Insurance Company on December 15, to inquiry why money was still coming out of her bank account. The insured was advised that her policy was still active and that we did not receive her signed cancellation form. The insured requested to have the policy cancelled effective August 31, 2016. The insured was advised that if she could provide proof of duplicate coverage with another carrier we could backdate the cancellation. The insured stated she could not provide proof of duplicate coverage. A cancellation request was faxed to the insured for her to sign and it was returned and the policy was cancelled effective 12:am on November 15, 2016. A refund of $was issued to the insured on December 27, Regards Sonya W***
* Billing Product Manager Grange Insurance ###-###-####

At no time did I request Grange to pay for the Air conditionerThe cost of the heating unit to be replaced was $dollars, The total of the bill was over $I just wanted to be paid for the replacement of the heating unit because it was deemed condemned by the Maintance SupervisorI would have been happy if they would have just paid for the repair cost which was $3569 The policy states they will pay for the replacement if needed which it was due to the unit being condemnedI ask Grange before I called anybody if there was a company they wanted me to useThey stated no, call anyone you likeWhen I spoke to *** at the end of this process he stated they could have replaced the unit for $Well if that was truly the case ,why wasn't I given their number to call for the replacement if that's how they base there refunds? Not wait until I have called a company to do the work and paid for itI was told that I would have to pay a $deductible and Grange would take care of the rest for the repair or placement if neededAlso $is a crazy low ball numberI have called different companies in this area since this started and ask for quotes on a unit for a house of my sizeNot one of those companies gave a quote less than $If you could have replaced it for $why did the replacement parts for my unit alone cost $It was a low ball claimI pay this company $dollars a year for insurance on home and auto and this is my first and last claim with themIf this is how they do business I'll fine another company to give my money away too

Thank you for allowing Trustgard lnsurance Company the opportunity to respond to Ms.***'s inquiry.Ms***'s homeowner's policy, TH was written with an inception date ofJune 29, The policy was cancelled effective April 12, due to non-payment ofpremium.On July 30, 2014,
Underwriting reviewed an inspection report completed on Ms.***'s propertyThe inspection report indicated the presence of an above groundswimming pool and a trampoline on the premisesThe swimming pool and trampolinewere not disclosed when the policy was originally submitted and these types ofexposures impact the policy ratingAt that time the swimming pool and trampolinewere added to the policy to ensure that the premium was commensurate with theexposureThe rates and Underwriting rules used by Trustgard lnsurance Company arefiled with the Indiana Department of Insurance.While the swimming pool on the premises is not a permanent fixture, Trustgardlnsurance Company does still apply a surcharge for this type of pool as it is deep enoughto present a liability hazard for drowningA copy of the inspection report which includespictures of the swimming pool is enclosed.Trustgard lnsurance Company mailed an invoice to Ms*** on August 8, As ofMarch 26,the minimum payment amount due had not been submitted and aNotice of Cancellation was mailed to Ms*** indicating that if the minimum amountdue was not received prior to April 12, 2015, the policy would cancelCopies of theinvoice and Notice of Cancellation are enclosed.On April 13, Ms*** spoke with our Billing department regarding thecancellationShe was advised that since the policy had already cancelled, no changescould be made until it was reinstatedShe was offered a reinstatement amount andreferred to her agent to discuss the policy details.The reinstatement amount was not received and the offer to reinstate the policyexpired on May 11, 2015.Please contact me should you have any additional questions.Sincerely*** ** *** *** *** ***###-###-####Fax: ###-###-####***

Grange has still continued to use their broad, generic public relations responses with responding to an dealing with my complaint Grange said and I quote "we preserved his choice of repairs and did not indicate where he could or could not repair his vehicle" If they truly did not dictate where I could get my vehicle repaired, they would have covered the entire labor rate of $an hour instead of refusing to pay anything over $ A $dollar an hour charge is not unreasonable for a shop that performs quality work, which is what I would expect when you have a brand new vehicle. The next sentence Grange stated they "Called Mr*** and set expectations we would not consider the additional charges, and that I had the opportunity to move my vehicle to another shop or work the charges out directly with the shop of my choice." The fact that I would have to move my vehicle to another shop or PAY out of my own pocket when I was the one inconvenienced when an insured motorist of their company hit my car demonstrates that they were not going to let me get my vehicle repaired there UNLESS I paid the additional charges, as *** * *** *** was not going to perform the repairs unless their costs were met when other insurance companies pay the going rate they charge for their service The only way to work out the charges with the shop of my choice was to pay them or have my vehicle repaired elsewhere. Refusing to pay $additional dollars an hour simply is an act of a cheap insurance company who takes advantage of the general public when forced to pay out on behalf of those they insure.To consider this matter resolved to my satisfaction, I expect the reimbursement of the $from Grange that I had to pay out of my own pocket to have my vehicle repaired at the shop of my choice.Regards,*** ***

To Whom It May Concern:Thank you for allowing Trustgard Insurance Company the opportunity to respond to *** ***'s inquiry.Trustgard Insurance Company provides a Personal Auto policy for *** *** *** is a third party anddisputes the values of their total loss.Grange Insurance has
accepted liability for the above listed loss and we have been communicating with Mr.*** regarding the total loss of his Ford EscapeGrange Insurance has updated the evaluation of theFord Escape with any missed options and/or maintenance items that Mr*** has presentedI haveattached the current evaluation for your review.Timeline of claims handling:Date Event10/18/Date of Loss10/19/Loss Reported to Grange10/19/First Contact made with ComplainantFirst Contact made with Complainant.Claim Representative Lora P*** explains the need to speak with our insuredbefore moving forward with theclaim.10/19/Lora P*** speaks with our insured *** *** and obtains facts of loss10/20/Lora P*** speaks with Mr*** and explains that coverage and liability are inorderShe explains concern over potential total loss and that she will besending him proactive total loss documentsLora authorizes a rental for Mr.***.10/20/*** Auto Body submits estimate for repairs10/24/Grange Appraiser deems the Ford Escape a total loss10/24/Lora P*** discusses vehicle with *** Auto BodyThey started repairs andare in discussions with Mr*** regarding repair of his vehicle.10/26/Mr*** is notified that we have deemed his vehicle a total lossThe initialvalue of $7,was given along with a last day for the rental vehicle forOctober 30.10/27/Maintenance receipts reviewed and remote start option added to CCC OneEvaluationNew value of $7,was given to Mr***10/31/Mileage updated on CCC One Evaluation and new value of $7,wasgiven to Mr***10/31/to 11/01/Multiple discussions with Mr*** regarding the value of his vehicleClaimsAdjuster- Lora P***, Claims Manager- Tonya C*** and Regional Claims Manager- Steve S*** discuss claim with Mr*** via phone and email.The CCC Market Value report is attached and indicates the value of *** ***'s vehicle is $7,for theirzip codeThe final settlement amount is $7,after applying feesWe feel this amount accurately reflectsthe local market value of *** ***’s vehicle and will issue payment upon receipt of properly executed totalloss documents.Mr*** does have the option to retain his vehicleShould Mr*** decide to owner retain his vehicle thepayment would be $6,after receiving confirmation that the title was changed to a salvage titleThis optionwas discussed with Mr*** on October by claim representative Lora P***.Please feel free to call me with any questions at the number listed below.Sincerely,Jon M***AVP, Division Claims ManagerTrustgard Insurance Company###-###-####m***[email protected]: Ken K*** - Vice President Claims

In response to your correspondence dated March 1, 2017, I
have reviewed the above captioned claim and respond accordingly.Grange Insurance received notice of the insured vehicle loss
on November 21, 2016. We completed our initial inspection on November 29,
at the insureds shop of
choice. At that time, our appraiser
estimated the sprbed liner repair cost at $650. Payment was
requested based on the amount of Grange’s estimate and denied by our appraiser
manager the same day. The manager contacted a local vendor and confirmed
repair of the sprbed liner would range from $150-$We adjusted our
estimate and informed the insured and repair facility of the update before
repairs were startedThe estimate and payment were sent to the repair facility
on November 30, 2016. Revisions to our estimate read “bed liner to be paid
per invoice”, which is standard procedureOn January 13, the insured
contacted Grange stating the bed liner repair was not completedGrange contact
the repair facility and confirmed they did not complete the repair. At
that time, the insured requested $for the bed liner. We’ve contacted
the original vendor responsible for the sprbed linerThey advised the
repair would cost $plus taxWe’ve attempted to contact the insured and
left messages to discuss the claims resolution. At this time we’ve issued
payment to the insured for $532.68, the amount including taxWe feel this is a
fair and reasonable claim resolution If you have any further questions or concerns, please do not
hesitate to contact Grange Insurance.Best Regards,

Thank you for allowing Grange Property & Casualty Insurance Company the opportunity to respond to Mr***’s inquiry. Mr***’s homeowners policy, TH was written with an original inception date of 05/05/The policy was issued as a dwelling under construction. Policies
written for dwellings under construction require that construction be completed within months of the policy effective dateIf documentation of completed construction is not received with months, the policy is automatically set up to non-renewIn this case, such documentation was not submitted and the non-renewal was issued effective 05/15/The Notice of Non-Renewal was mailed to Mr*** on 03/04/2017. Per our records, Mr*** left a voicemail with the underwriter assigned to his policy on 05//22/The underwriter returned Mr***’s call and left a voicemail, however Mr*** did not return the call. On 06/26/2017, Grange Property & Casualty Insurance Company received a request from Mr***’s new insurance agent to cancel both his homeowners and automobile policies effective 05/15/as he obtained coverage with another carrierAn unearned premium refund was issued under his automobile policy in the amount of $150.90. As the homeowners policy was cancelled effective at the policy expiration date, the premium for the policy term was fully earned and no refund was issued. Sincerely, Jonathon C***

This is a follow up to the complaint received from Mr*** ***Upon receipt of hiscomplaint I attempted to reach out to Mr*** by phone and email to get a betterunderstanding of his concerns around the handling of his claimAfter following up withhis insurance agent it was determined we do
not have a working phone number and myemail requests to contact me have gone unansweredI am in need of speaking to Mr.*** as I am not clear from the complaint letter received what Mr*** is asking to beconsideredIt appears it could be for consideration of $in charges he has incurred.In review of the claim file I see we have paid $25,in additional living expenses forlodging and against receipts submittedMr*** previously contacted our office onMarch 2, to inquire about his limits of coverage and paid amounts under the claim.Following this call we provided Mr*** a summary of paid amounts against hisapplicable policy coverages.Finally, under the terms of the policy Mr*** has one year from the date of loss toconclude his claimThis policy terms was outlined to Mr*** in claim correspondence.While this timeframe has tolled I will be happy to discuss Mr*** concerns should herespondShould your office hear from Mr*** please contact me directly at ###-###-#### X***Sincerely,Chris K*** ***

Thank you for your letters dated 1-17-and 1-19-I appreciate Revdex.com for their good service.But, I still keep my complaint to "The Grange Mutual Casualty Group of Insurance Companies", as I have presented to you:That are:They use a "minimum payment' kidding meNow, they owe me $They should refund me $or They should back me a receipt of $Now, I'm waiting for their reply

Thank you for allowing Grange Mutual Casualty Company the opportunity to respond to Mrs***'s inquiry

Thank you for allowing me to respond to Mr***' complaintMr*** is requesting Grange pay forhis rental through 1/4/when he returned the car to EnterpriseI actually spoke to Mr*** on the dayafter he filed this complaint, and I agreed to pay for his rental in fullHis complaint
appears to have beenresolved.Please let me know if I can be of further assistance in this matterI can be reached at ###-###-#### ext,***.Manager, KY AMD Claims

The check must be outstanding for weeks before Grange can place a stop payment and issue a new check. Please contact the Grange Customer Care Center after April 11th to have this check reissued

Complaint: ***
I am rejecting this response because:
Regards,
*** ***Again, this is inaccurate information!

Thank you for following up with me on this matterMyself having years of customer service experience, I would like to add that by far I had the worst customer service experienceIf I had not analyze the report my vehicle would have been a total lost, and the vehicle would have been written up incorrectlyI can tell you on a daily basis I called the office just to find a update on this claim and recieve no answerEven the operator Debbie was starting to recognize my voiceThere deliver poor communication and no follow upI would like to thank the Revdex.com for helping me resolve this matter quickly
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me.
Regards,
*** ***

1-we had no choice to sign those papers even knowing Grange agents said it did not apply to these policies in questions...it was standard *** (Grange customers agent) on policies over 20+ old2-when we received the letter stating about the reinstatement year period....I called and both my father and I disagree with immediately and again *** said he would note my father's policies because they did not apply to these policies....(noted: my father phones records was sent)3-we will not agree to nothing until both policies are paid in full to the beneficiaries listed on the policies
Regards,
*** ***

It is completely unfair to ask me to subsidize the costs resulting from their insureds recklessness I had nothing to do with this incident but they want me to absorb over $of the cost Grange only cares about profit I am only asking for what's fair but they are only offering the bare minimum required by Ohio law. Adding insult to injury; they were rude, arrogant, and are brainwashed to believe their CCC One report is their bible.Please file a class action lawsuit on behalf of everyone they have cheated. Consumers beware! Avoid these chiselers CHEAP IS NOT BETTER YOU GET WHAT YOU PAY FOR!
Regards,
*** ***