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
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
On August 19th I sent an email asking about refund for cancellations and was told that you could not decide until I filed a claim At that point in wasn't aware of the travel advisory or the website to find itI was told by two of yours reps that my claim is not covered and would be denied so why would I waste time?I was able to get a new flight but I had to pay $and shorten my trip four days I still want my insurancevcoverage since I'm flying but I want the $refunded instead of $I originally asked for, which I think is fair I don't want to waste time filling out a claim unless I know it will be approved
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,
*** ***

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,
*** ***

*** *** #* ***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 *** *** *** 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 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

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

***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,
*** ***

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

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 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

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

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

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"

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 *** ***

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 February 1, the World Health Organization (WHO) emergency committee declared the Zika Virus a Public Health Emergency Of International Concern (PHEIC), which is "an extraordinary event which is determined to constitute a public health risk through the international spread of disease." The National Institute of Health calls the Zika Virus a Pandemic in Progress. The Center for Disease Control (CDC) health authorities declared an increase in Guillain-Barré syndrome(GBS) associated with ZikaThis is a neurological condition where a person’s own immune system damages the nerve cells, leading to muscle weakness, parallelization and death. The muscles of the face that control eye movement or swallowing become weak which affects breathing resulting in the need for a breathing tube to help them breatheThe World Health Organization (WHO) has reported that men traveling in areas with Zika outbreak who get bitten by a mosquito carrying Zika could later transmit the virus through sexual intercourse, which will cause me to contact the Zika Virus and all it's side-effects
According to a CSA's Description of Coverage the following exclusion applies to the Medical and Dental, Trip Cancellation, Trip Interruption, and Travel Delay coverages: We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the Definitions section, including death that results there fromThis Exclusion does not apply provided you meet the following requirements:Item
states " Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination while on your Trip. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased."On February 2, India's Bharat Biotech International made available the World's First Zika Virus Vaccine. Entrance in to India requires a yellow fever vaccination certificate. According to CDC if a person is allergic to eggs or poultry they can not be given the yellow fever vaccinationReceiving the yellow fever vaccination will result in negative events include life-threatening allergic reaction, disease affecting the nervous system, and disease affecting certain internal organsInasmuch as *** *** is allergic to eggs resulting in him unable to receive the Yellow Fever Vaccine due to a medical reason, which prevented him entry to India resulting in him not receive the Zika Virus Vaccaine due to a medical reason. Due to the extenuating circumstances of this situation I am requesting CSA allow payment of this claim in the amount of $This will be considered payment in full and the claim can be considered closedSincerely,
*** ***

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 belowthis response is NOT ACCEPTABLE! First of all, I sent in the claim to CSA on 10/15/via email and by facsimileIt appears their claims receiving department is as incompetent as the adjustersThe damage provision policy purchased by the renter is not provided to the homeowners renting the property AND the Property Damage Coverage that is advertised on the website claims coverage for "damages, soiled linens, etc and EXCESSIVE CLEANING but never indicates that claims for damage is solely conditioned on the renter ADMITTING to the damage. No one would ever admit to it and from reading all the forums from homeowners regarding CSA this appears to be a continuing issue of misrepresentation This is an EASY CLAUSE for CSA to get out of paying any claims. CSA is committing fraud as well as baiting the homeowners to offer this useless coverage to renters in believing that any damage claims reported will be covered See attachments wherein CSA advertises their coverage assuring the homeowner that their claims will be covered. The mere fact that the renter admitted to damaging my washing machine is blatant sign that the other damage did result from herI requested and submitted all proof for the reimbursement of the machine repair, the cleaning service fee that I incurred together with the supplies that were purchasedPaying only a portion of the claim (washing machine) is unacceptableThese people completely destroyed my home and no person in their right mind would ever admit to such damage (soiled sanitary napkins, diapers, grease, damaged curtains, stained furniture)CSA is commiting fraud and will be reportedI am requesting the reimbursement of the cleaning service fee and supplies
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
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,
*** ***