Genesis Homes

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Thank you for advocating on my behalfThis has been quite an ordeal and something has has made it difficult to mourn our lossI cannot thank you enough.Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I did provide the evidence that I was delayed more than hours It was included in the claim form packet of information I mailed to your company I was delayed at least this long to the point that it was safer to get a hotel room than wait on the roads any longer due to a bad accident(s) that had traffic snarled for miles Due to the hotel stay, we reached our destination one day late, which caused us to pay the resort for one night that we did not use Therefore, I am requesting reimbursement for this lost night, along with extra gas expense I incurred while having to depart from my destination path in order to find a hotel and then back track to the destination path
Regards,
*** ***

CSA Travel Protection and insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated December 05, 2017, notifying us of the complaint filed by Ms***.Due to the recent influx of Hurricane and
Natural Disaster claims received in our office, we have been unable to process our claims as quickly as we normally doWe have reviewed Ms***'s claim and requested that she provide a copy of her credit card statement showing proof of payment for the tripUpon receipt of this documentation, we will Continue processing the claim.If you have any questions, please feel free to contact us at ###-###-####, by email at claims(GECsatravelprotection.com or by FAX at ###-###-####Please ensure the claim number is included with your response.Sincerely *** *** SrTechnical Claims Specialist

***Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11946865, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The company should have asked for additional information first before denying my claimI would like for the complaint to remain open to see if they follow through with trying to resolve the matter by obtaining the additional information they said they intend to obtain from my doctorOnce they obtain that information, they should refund my moneyThere is still no resolution; only a statement saying they will investigate furtherAt the time I submitted an appeal to them, they should have requested clarification from my doctor at that time but instead they just refused a refundBased on this, the matter remains unresolved
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The property was inspected after Ms *** and her guests departedThe linens were seen to be stainedThe linens were stain treated and washed, two timesThe stains appear to be from a body loton or body oils.I understand Ms *** is saying she did not knowingly cause damage to the linensThe fact remains the linens used during her stay are unusable and I have purchased new linens to replace them.I have submitted numerous photos showing the stains
Regards,
*** ***

Dear Mr***:CSA Travel Protection and insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 9/20/17, notifying us of the complaint filed by Ms***.On 4/12/and 4/19/17, Ms
*** purchased airline tickets to travel to Washington stateThe travel insurance plans were purchased on 4/30/17, with Trip Cancellation coverage commencing on 5/01/At that time Policy Confirmation Letters and Description of Coverage, outlining the plan's Coverage and COverage restrictions, were emailed to her at the address provided of t***03Ghotmail.comThe trip was canceled due to Ms***'s illness.The policy provides benefits for trip cancellation when certain requirements are metThe policy states under the heading "TRIP CANCELLATION BENEFITBenefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.Covered Events:The Sickness, injury or death of you, your Family Member, your Traveling Companion or your Service AnimalThe Sickness or Injury must first commence while your coverage is in effect under the Policy".Coverage is also subject to the plan's terms and "GENERAL EXCLUSIONSWe will not pay for any loss under this Policy, caused by, or resulting from...sa loss that results from an illness, disease, or other Condition, event or circumstance which occurs at a time when coverage is not in effect for you".According to the information provided to us, Ms***'s medical condition commenced on 4/01/17, and that is when the doctor deemed her medically unable to travelAs the illness began before the policy went into effect on 5/01/17, we are unable to provide benefits for this claim.If you have any questions, please feel free to contact us at (800) 541-3522, by email at claimsQCsatravelprotection.com or by FAX at (877) 300-Please ensure the claim number is included with your response.Sincerely,*** *** SrTechnical Claims Specialist

*** *** #* ***Claim Number: ***Policy Number: ***Dear Ms***:CSA Travel Protection and Insurance Services represents Generali U.SBranch as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated March 25, 2015, notifying
us of the complaint filed by Ms***.In December 2014, Ms*** booked a C*** *** with scheduled travel dates of April09, to April 13, The travel insurance Policy was purchased on December , 2014.At that time a Policy Confirmation Letter and Policy, outlining the plan's coverage and coveragerestrictions, were emailed to her.At some point Ms*** realized that the cruise dates would conflict with the children'sschool scheduleThe trip was canceled and a claim made for the $penalty charged bythe cruise line.The travel insurance Policy purchased only provides benefits for a trip cancellation that iscaused by one of the plan's listed Covered EventsThe reason that Ms*** had to cancelher trip is not one of the Covered Events that would allow payment of benefitsTherefore, wemust reaffirm our original decision that this claim is not payable.If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***.Sincerely, *** ***SrTechnical Claims SpecialistGenerali U.SBranch*** *** * Director of ClaimsThese plans are administered by GSA Travel Protection and Insurance ServicesServices areprovided through GSA's designated providersTravel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # *** (all states except as otherwise noted) underPolicy/Certificate Form series TCalifornia is Underwritten by Generali Assicurazioni GeneraliS.P.A(U.SBranch), Colorado is Underwritten by Assicurazioni Generali- U.SBranch, Oregon isUnderwritten by Generali U.SBranch DBA The General Insurance Company of Trieste & Venice,and Virginia is Underwritten by The Generali Insurance Company of Trieste and Venice- U.S.Branch

CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was selectedWe received your email dated October 14, 2016, notifying us of the complaint filed by Ms***.We have reevaluated the claim and determined that
coverage will be affordedThe file will be reopened and payment issued shortly,If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your response.Sincerely,*** ***SrTechnical Claims Specialist

CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was selectedWe are in receipt of your email dated July 26, 2016, notifying us of the complaint filed by Ms***.We were able to obtain the additional documentation
needed for the claim, and payment for $should be mailed at the end of the week to Ms***.If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your response.Sincerely,*** *** SrTechnical Claims Specialistcc: *** *** *** *** / Director of Claims

CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchased by the Insured, *** ***.Mr*** rented a property to *** ***Mr*** purchased the Property Damage Protection coverage on
2/23/At that time we provided Mr*** with a copy of his policy, as he is the Named Insured.Mr*** checked out of the property on 2/27/On 3/06/17, Mr*** submitted a claim to us for damage to the propertyThe damage reported to us included that the quartz countertop was damaged and had to be replaced, the kitchen backsplash and cabinets were damaged, there were cracked walls requiring repair and paint, the cost to have the air ducts cleaned, the cost to have trash removed from the property, and extra costs to have the house cleanedThe total amount claimed was $7,566.00,The policy provides benefits to the Named insured "If you occupy an Accommodation and you damage the real or personal property assigned to that ACCommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the cost to replace the property, up to the amount shown in the Schedule." There is no coverage to have the air ducts cleaned, the trash removed, or excessive cleaning Costs as none of these is damage.We contacted Mr*** to verify whether he or his guests had caused the damage to the propertyMr*** informed us that no one in his rental party had caused any damage to the propertyHe stated that upon arrival at the property, there was trash found in the garage and the trash can outside was also fullThis was reported to the property manager, who stated they had missed the trash pickup, and Mr*** should store the trash accumulated during their stay in the garageMr*** indicated the property manager was supposed to do a walk-through of the property to verify any damages, but this did not take placeThe property manager also called Mr*** from the rental property on the day that he checked out of the unit on 2/27/17, and did not mention finding any damages.The policy issued to, and purchased by Mr*** provides benefits for accidental damage caused during his rental stayMr*** has denied causing the damages claimed, and we are unable to issue payment for this loSS.If you have any questions, please feel free to contact us at ###-###-####, by email at claimsGCsatravelprotection.com or by FAX at ###-###-####Please ensure the claim numberis included with your response.Sincerely, *** *** SrTechnical Claims Specialist

CSA Travel Protection and insurance Services represents General U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 2/03/17, with additional information provided by Ms***.The policy purchased only provides Trip Cancellation benefits for the specific Covered Events listed in the planThere is no Covered Event that would provide benefits due to hurricane damage at their vacation destination.Ms*** has stated that Hurricane Matthew struck the Bahamas on 10/06/16, after the effective date of the policyHurricane Matthew was named a Category hurricane on 9/29/16, prior to the 10/05/effective date of the policy.Based on the terms and conditions set forth in the policy, there was no Covered Event that would allow payment of this claimTherefore, regretfully, we must again deny benefits for this claimMs*** may want to Contact justfly.com regarding their airline credit for future travel.If you have any questions, please feel free to contact us at *** ***, by email at claimsGCSatravelprotection.com or by FAX at *** ***Please ensure the claim number is included with your response.Sincerely,*** ***SrTechnical Claims Specialist

CSA Travel Protection and insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated March 22, 2016, notifying us of the complaint filed by Mrs***.We understand that the trip was canceled due
to the risk of Mr*** contracting the Zika virus and the World Health Organization warning about travel to specific regionsThe policy only provides benefits for cancellations for specific covered eventsPlease refer to the Description of Coverage, where you will see a complete list of Covered EventsUnfortunately, the risk of contracting an illness is not one of the plan's listed Covered Events.A copy of the Description of Coverage is enclosed for your reviewThe reason that the trip was canceled is not one of the Covered Events that would allow payment of benefitsTherefore, regretfully, we are unable to provide payment for this claim.If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your response.Sincerely,*** *** SrTechnical Claims SpecialistCC: Generali U.SBranchScott Crabtree / Director of Claims

Dear Ms***, CSA Travel Protection and Insurance Services is an administrator of travel protection plans and vacation rental damage protection plans sold through HomeAway.com and their subsidiary site VRBOWe are receipt of your follow- up correspondence on the above referenced matter As you've noted, some travel protection plans available in the marketplace include the coverage of Trip Interruption, which typically provides benefits if you are delayed beyond your scheduled departure date or if you are unable to continue on your trip due to a covered event that occurs during your scheduled travel datesThe Cancellation Protection product you purchased through VRBO does not include this coverageWhile the terms "cancel" and "interrupt" may not be defined, the Travel Insurance Policy advises what benefits are available under "TRIP CANCELLATION BENEFIT" if you are prevented from taking your trip due to a covered event that occurs prior to your departure Formally, a claim has not been filed by you against this policyThe customer service information provided in the March 25th phone call, and our response to your Revdex.com of San Diego complaint, were not denials of insurance claims If you wish for our Claims Department to review the facts of your loss and issue a formal determination, please access the following website to complete a claim form and review a list of the supporting documentation to submit: *** For assistance with the forms and supporting documentation, you can reach our Claims Department toll-free at *** *** Sincerely, *** *** Director of Compliance & Licensing Enclosure/Attachment: Policy Confirmation Letter for #*** including Travel Insurance Policy Cc: Revdex.com of San Diego *** *** Vice President of Operations CSA Travel Protection
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December 16, 2014*** ***/ Revdex.com OF SAN DIEGOVIEWRIDGE AVE #200SAN DIEGO, CA 92123*** *** #***/ Insured: *** ***Claim Number: ***Policy Number: ***Travel Dates: October 08, 2014- October 12, 2014Dear Ms***:CSA Travel Protection and Insurance Services represents Generali U.SBranch as theadministrator of the travel protection plan that was selectedWe are in receipt of your emaildated December 15, 2014, with the additional information submitted by Ms***.The claim documents were received from Ms*** on October 30, Her email didindicate that the documents had originally been submitted on October 15, 2014, but we find norecord of receiving the claim documents at that timeWe apologize for any misunderstanding ordelay in processing caused by this issue.The Property Damage Protection certificate is provided to the insured when the coverage ispurchasedCoverage is provided to the insured for accidental damage to the property duringthe tripIf the insured denies causing the damage claimed, benefits cannot be paidWe havefound that the vast majority of the insureds are honest and do admit when they have causeddamage to the property assigned to the rental unit.Based on the terms and conditions of the policy, and the damages that Ms*** confirmedwere caused by her, we have issued a benefit check for the payable amount of this claimMs.*** has indicated that the Property Damage Coverage advertised on the website claimscoverage for EXCESSIVE CLEANINGHowever, we are not aware of this specific language onthe website, and the plan does not pay for excessive cleaning.If you have any questions, please feel free to contact us at (800) 541-3522, by email atclaims@csatravelprot ction.com or by FAX at (877) 300-8670.Sincerely,*** ***SrTechnical Claims Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
Revdex.com:
I'm not satisfied with the resolution because C S A did not take into consideration that anxiety has physical featuresHarvard Health Publications wrote the following report:Anxiety is a reaction to stress that is both psychological and physical features.The feeling is thought to arise in the amygdala, the brain region that governs many intense emotional responsesAs neurotransmitter carry the impulse to the sympathetic nervous system, heart and breathing rates increases, muscles tense, and the blood flow is diverted from the abdominal organs to the brainIn short term, anxiety prepares us to confront a crises by putting the body on alertBut its physical effects can be counterproductive, causing light-headedness, nausea, diarrhea, and frequent urinationAnd when it persists, anxiety can take a toll on our mental and physical health.Dr*** should have discussed my physical symptoms as well as the acute anxiety that I was experiencing when he filled out the first physicians statementI believe he felt that he could get the physical problems under control by treating the anxiety that I was experiencing because of the break up of my sons marriageDr*** is a well respected physician and would not have filled out the second statement if everything he stated wasn't trueHe was more than happy to fill out the second report, If he did not not mention the dizziness and other symptoms in his records, he certainly remembered them at the follow up.For the above reasons I believe C S A should pay the $1900.Thank You *** ***

CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 5/02/notifying us of the complaint filed by Mrs***.Mrs*** booked airline tickets through Justfly.com
with scheduled travel dates of 3125,to 3729-The travel insurance plan was purchased on 3:22:17, with coverage for Trip Cancellation commencing on At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to herThe trip was canceled on 325/17, due to the illness of Mr***.The policy provides Trip Cancellation benefits due to the illness of the insured when certain requirements are metThe policy states under the heading "TRIP CANCELLATION BENEFITBenefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.Covered Events:The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service AnimalThe Sickness or injury must first commence while your coverage is in effect under the Policy".Coverage is also subject to the plan's terms and "GENERAL EXCLUSIONS We will not pay for any loss under this Policy, caused by, or resulting from:s, a loss that results from an illness, disease, or other Condition, event or circumstance which occurs at a time when coverage is not in effect for you"

CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated April 15, 2016, notifying us of the complaint filed by Mr***.Mrand Mrs*** canceled their trip to Paris on November 27, 2015, due
to the recommendation of Mrs***'s doctor that she not flyA letter written by Dr*** was provided to us indicating that Mrs***'s estimated delivery date is in June 2016.Coverage under the policy is subject to the plan's terms and conditionsUnder the heading General Plan Exclusions it states:"The following exclusions apply to all coverages: We will not pay for any loss under the plan caused by, or resulting frompregnancy or resulting childbirth or elective abortion".Based on the minimal information provided in the doctor's letter, we are unable to confirm whether this exclusion will apply to this lossWe had requested a Patient Authorization form be completed, which would allow us to obtain additional documentation from the treating doctorThis request has been declined by Mrand Mrs***.In order to Continue processing the claim, we will need authorization to contact Dr*** for Mrs***'s records between 10/01/through 11/27/This will allow us to confirm whether this was a pregnancy, or if there were complications of the pregnancyBenefits can be considered if there were complications of the pregnancy during the above time periodThe Patient Authorization form does not require Mrs*** to 'waive HIPAA protection'The form informs the doctor that "You are authorized to release any health information that may have a bearing on the request for benefits submitted in conjunction with the travel protection plan"Without the medical records, during the time period noted above, we are unable to determine if this is a payable claimThe Patient Authorization form also includes the following: "If I refuse to sign this authorization, benefits may not be paid under the travel protection plan if additional health information is needed to determine my eligibility for benefits."We do not require Mrs***'s life time personal information, her complete medical file, and she does not need to include her social security number on the formObtaining medical documentation to support a claim is a common practice in the insurance industry.If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your response.Sincerely, *** *** SrTechnical Claims Specialistcc: *** *** / Director of Claims

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
On August I was transferred to a CSA Travel Protection AgentThis agent from the CSA Travel Protection Company agent assuredly said we would receive a full refund for cancelingI was misinformed by the agent of CSA Travel Protection not my travel agentThe miscommunication is coming from the CSA Travel Company that provides insurance if cases like ours happenTo make it clear, OUR country THAT I SERVE PROUDLYOnce again if I would have received the email dated August 2014, I would have canceled the policySince I was misinformed by the CSA Travel Protection Agent at that time, I obviously cannot get the $owed to me and my familyI am sure if the CSA Travel Protection Representative were in my shoes he would understand what a dis-service this is and how this company does not honor their productThis could have been avoided if the email was sent by the CSA Travel Protection AgentYes I have looked in all my messages and never received one for August
Regards,
*** ***

Dear Mr***:CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was pu**hasedWe are in receipt of your email dated December 05, 2017, with additional information from Ms***.Ms*** states that ***, the agent at **, told her that she was purchasing a policy that included cancel for any reason coverage*** reviewed the telephone call and reported that *** recommended the travel insurance to Ms*** and provided some general information about the policy.Ms*** received a copy of her policy and Coverage information at the time of the policy purchase on December 31, The Policy Confirmation Letter encouraged her to review the insurance COverages and Description of Coverage, and to contact us with any questionsShe Was also informed that if the plan did not meet her needs, she had a 10-day free look period to Cancel the policy and receive a full premium refundThe free look period expired on January 09, 2017?The Optional Coverage for Trip Cancellation for Any Reason was not purchasedMs***'s trip was not canceled due to a reason that would allow payment of benefits under this policyRegretfully, we are unable to provide benefits for her claim.if you have any questions, please feel free to contact us at (800) 541-3522, by email at ***QCSatravelprotection.com or by FAX at (877) 300-Please ensure the claim number is included with your response.*** *** SrTechnical *** Specialist