Greater New York Mutual Insurance Company

Review: GNY has a policy in place in which they are insuring my private property without my consent. In addition to not giving me a copy of the policy, they are claiming they have a right by directions from a third party to insure property in my home that is already insured by my own insurance provider. My home is my home. It exists in the confines of a condominium association but is deemed "real property" within the law and I do not want nor have I consented to having GNY's policy on my property. If a loss occurs, the money for the loss goes to a third party and my policy for the loss on the same issue is adversely impacted. They will not provide a copy of the policy and have no legal right in the law to insure that which is not an insurable item owned by the corporation. Private property cannot be covered under their "blanket policy" since it can only cover that which is deemed common element. My private property is not common element. What is common elements, GNY is now not covering according to OKV and now my property is in jeopardy since I cannot cover pipes in the ground. GNY needs to resolve their issue of coverage based on the laws of NJ and not on the guidance of volunteer trustees. GNY is harming the owners of this corporation and conspiring with the trustees of this corporation to harm the owners/violate the law.Desired Settlement: I want GNY to remove any insurance off my private property immediately. And I want a copy of their policy for the common elements my records.

Business

Response:

As we have explained to [redacted] on a number of occasions, Strathmore Insurance Company, a subsidiary of Greater New York Mutual Insurance Company, insures the condominium association, [redacted]. [redacted] herself as a unit owner in the condominium is not our insured. Strathmore does not insure any of the unit owners, and we never sold a policy to [redacted]. Because [redacted] is not a policyholder we cannot provide her with a copy of the association's policy. We have, however, suggested to her that she request a copy of the policy from the association, of which she, as a unit owner, is a member. Unfortunately there is nothing more we can do for [redacted]e.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

[redacted] is counsel for Greater New York Mutual Insurance. I have dealt with him numerous times, advising that this corporation is not only violating the law but assisting the corporation in violating the governing documents of this corporation by which his paying client, [redacted], is bound. See attached. GNY is interfering with my property rights and deed -- and I want it stopped.

As the owners of these units, this is our property within these walls. All of it. As a point of fact, the corporation owns nothing – the owners own all of it equally under the Condo Act. But the corporation is required to maintain insurance on that which is “common element.” The unit are not common element. They are defined in law and the governing documents as separate entities belong to individual members whose names are on the deeds for those unit. With this said and known to him, he refuses to revise GNY insurance policy to remove their insurance from property that belongs to the members solely and exclusively inside their units. I have never given any consent for this mystery policy to be on my property. I cannot even know what is being covered nor can I make a claim if anything does happen to that which belongs to me. Much like my car, cat and clothes, this is my property -- not OKV COA’s to insure.

The corporation has no right to direct GNY to insure my car than they do to insure my dishwasher. They have no insurable interest on the property contained in my home. I have coverage on it and do not want it impacted by GNY’s policy. This is property I own entirely and completely -- within the four walls of my home. I have demanded GNY remove this illegal coverage and told his company they have no right (nor has any other member or first mortgagee given them the right) to do what they are doing. He may be in business/bed with OKV – I am not a party to their dealings. And I do not want my property covered by Greater New York/Strathmore or any other version of insurance they call themselves.

Clearly, the benefit is that OKV will not seek a proper settlement of loss against GNY if damage occurs to my private property. This is helpful to the two of them – but it detrimental to me. My insurance will not cover that which is already deemed covered. And it is being covered without my consent.

As stated, I have coverage. And this policy (which I cannot obtain) directly impacts my property and my right to a settlement if there is a loss. The money goes to OKV. OKV has the right to settlement. OKV communicates with GNY. I am left out without a voice or rights – and that is why I want this stopped. I have my own insurance. I have paid for it. I do not want their insurance on my private property. Nothing in the law gives them the right to do this – and I do not care if OKV is directing it be done. This corporation cannot claim to insure the local supermarket no more than it can make claims on my private property.

I want GNY’s policy off of my private property. I care not what they think they can do. The governing documents and law state otherwise. They are interfering with my rights as a property owner.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We have, on several occasions, responded directly to [redacted], and also to the New York Revdex.com concerning [redacted]’s requests and demands. As we have previously stated, we do not insure [redacted]. We have never issued homeowners insurance to [redacted] or to anyone else. That is simply not our line of business. Rather, our subsidiary, the Strathmore Insurance Company, issued to [redacted] Association, in which [redacted] lives, policies of commercial property and commercial general liability insurance. These policies include standard coverage of the common elements, and to the extent that [redacted] ia contractually required to repair them by its bylaws, on certain appliances and other fixtures within the unit owners' apartments (all as described in form CP 00 17, which has been approved by the New Jersey Department.) In her previous correspondence to us, [redacted] has claimed that [redacted] has “covered illegally” her property and that we have issued a “secret policy.” In fact, we forwarded the policies to [redacted] through its insurance producer; we have never kept the policy terms a secret from our insured. Because we have never insured [redacted], she has no standing to request copies of the policies. Only our insured in whose name the policy was taken out can authorize us to disclose a copy of the policy to [redacted] (or give her a copy of it wishes). The few claims that [redacted] has submitted to us have been adjusted to its satisfaction. As far as we know, none of them involved [redacted]’s home. The other issues [redacted] complains about stem exclusively from her interactions with her condo association rather than with our company. Although we regret that the complainant is experiencing frustration with her association, we must point out that we have no control over our insured and have fulfilled our contractual duties to it by properly adjusting all claims presented to us.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The fact remains that GNY keeps discussing a policy that exists on property the association does not own. As I have stated, it is private property. It is insured by the owner - who is me. GNY has no right to continue to abide by a corporation's desire to break the law and insure that which they have no right. This is private property. It is being insured by a third party without my consent and/or any legal authority. The condo association does not own the contents of my home and has no insurable interest in my home and/or anything within the walls of my home. I have demanded the removal of this illegal insurance from MY PROPERTY. GNY refuses to remove it. Complaints have been filed with the state and I will continue to address this as a consumer affairs issue with the state since this policy (which I cannot view and/or cannot make a claim) is directly impacting my rights as a consumer to insure my own property. GNY cannot provide a single document in which they have the right or authority to insure what is in my home. I have provided you a document showing you that they have no right. I am not satisfied with this answer and/or reply. I want their insurance removed from my private property.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,