Initial Business Response /* (1000, 6, 2016/12/27) */
Thank you for contacting our offices
Due to privacy regulations affecting insurance companies we are prohibited from releasing private client information to anyone other than the named insured under our policyA response will be provided
directly to *** within the next business days
Initial Consumer Rebuttal /* (3000, 8, 2016/12/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
they should be able to say to you why I was denied by corporateLuckily I was able to get the local agents to accept my renewal of insurance because in their words "you are a very good customer with no pay issues for more than years and not sure why they would deny you" The corporate office has some cleaning up to do to fix their obvious customer service issues
Final Business Response /* (4000, 12, 2017/01/09) */
Thank you for contacting our offices
Replacement funds have been received for *** policies to rectify the situationThe policy has been reinstated
2/15/2018: Mediator called business and left VM message with *** ***, requesting a faxed copy of a jpg document (Addenum for Property Subject to Mandatory Membership in a Property Owners Association) previously sent to the Revdex.comThe jpg document is not legible.2/22/18: Mediator received message from business, *** ***, stating a fax copy will be worse. *** *** X ***3/08/2018: Mediator contacted business and left a VM to discuss status of claim and consumer stating business will waive the premium balance if consumer pays $64.00. Consumer said she paid the $64.00. Mediator requested copy of said letter business sent to consumer, if available
Initial Business Response /* (1000, 9, 2016/12/06) */
Contact Name and Title: *** *** Claims Mgr
Contact Phone: XXX-XXX-XXXX ***
Contact Email: ***@americannational.com
The first part of the complaint indicates concerns with the time elapsed to address a supplemental claim for
additional damageThe CR was contacted by the contractor regarding a supplement requestThe CR requested supporting documentation in the form of the bids from subs and photosI spoke with the customer on 11/17/and left a message for the contractor that same dayOn 11/18/16, *** called back and sent bids from subcontractorsWe requested the photos from the contractor of the damaged windows being claimed as a supplement, as this was not noted in the Independent Adjuster's report*** from the contractor office did not have these, so she requested the photos from the subcontractorThe photos were received from the *** on 11/29/We have requested the IA revise his estimate to allow for the windowsWe will contact Mr*** as soon as the revised estimate is completed to review any supplemental payment that is warranted
The second portion of the complaint addresses the deductionThe policy that was sent to Mr*** at inception in states under the section entitled "How We Settle the Loss" item that Roofs when damaged by wind or hail are settled as per the Roof Payment Schedule attached to the policyThe following also appears on the Declaration Page that was provided in 2015, and again at the renewal: "FOR WIND AND HAIL LOSS, ROOF SETTLEMENT IS BASED ON THE ROOF PAYMENT SCHEDULE IN YOUR POLICY." The claim log indicates the Claim Representative explained this to Mr*** on November 29, Based on the known age of the roof of years, the claim was adjusted correctly at the maximum payment available per the payment schedule
Initial Business Response /* (1000, 6, 2017/03/17) */
An Acknowledgement letter is attached for your reviewPlease advise if anything additional is needed at this time
*** ** *** AIRC
Corporate Complaint Coordinator
Corporate Relations and Compliance
American National Insurance
Company
One Moody Plaza
Galveston, Texas XXXXX
Phone:
Email: [email protected]
Fax:
Initial Consumer Rebuttal /* (3000, 12, 2017/06/01) */
please see attachment
Final Business Response /* (4000, 17, 2017/06/21) */
***Document Attached***
Please see attached Response that was emailed on 06/02/If you need any additional information please let me knowThank you
Initial Business Response /* (1000, 5, 2016/10/04) */
September 29,
Revdex.com
Serving Western Pennsylvania
SCampbell Avenue\par
Springfield, MO
Re: IDO XXXXXX ** ***
Dear Dispute Resolution Team:
We are in receipt of your letter dated September 28, 2016,
enclosing the complaint from the above
named consumer
Because various state and federal privacy laws and regulations regarding the privacy of customer
information place constraints on our releasing personal private information of our customers, we have
requested a release from the customerWhile we are awaiting return of that release, we will begin
researching this complaint and collecting documentationOnce the release is received, we will provide
you with the information authorized by the contract owner that we believe are necessary to close this
complaint
If for such reason the customer has chosen to not release their personal private information, we'll
notify you as wellIn most cases the customer will choose to release information, but there may be that
one case in which the customer may later decide to keep their information private.While we do not
anticipate it happening very often, should we fail to receive a release by October 19, we will provide
a full response to the customer and notify your offices of these actions
If you should have any questions in the meantime, please let us know
Sincerely,
*** *** AIRC
Corporate Complaint Coordinator
NAIC# XXXXX
Internal File# CAXXXXX
Initial Consumer Rebuttal /* (3000, 11, 2016/10/17) */
TO: *** *** (Fax NoXXX-XXX-XXXX)
American National Insurance Company NAIC #XXXXX
Galveston,Texas
TO: Revdex.com, Complaint ID *** (Fax No417..X:XX-XXXX)
RE: *** ** ***
*** Drive
Chicago Heights, IL
My name is *** ***I am in charge of matters concecii anything about
my familyMy brother, ***, is giving American National Insuram Company (ANIC)
permission to release documents necessary to unravel the mystery a t
.1%1IC and its
relationship with my father, *** ** ***, deceased, and my Er, her, *** **
***See attached letter dated September 29, 2016, from *** I *** NAIC
#XXXXX*** ** *** also gives his permission for *** t handle matters
about this complaint
NAIC#XXXXX has given the Revdex.com a boilerplate form answer and also: ***Nothing
revealing about thatSuch use of template forms say littleThe face re that when we
contacted the Revdex.com for assistance privacy is precedent and the Revdex.com i; legally bound to all
privacy laws
One thing NAIC#XXXXX does not know is that our communication:, v re coming from an
office located in Springfield, MO 65899, *** Street (***)I am attaching the letters mailed to ***
I believe that NAIC#XXXXX has given *** an ultimatum date of Oc pber 19, This
complaint will continue until we can understand the mystery of AN( ' s relationship with
my father, *** ** *** and my brother, ***My brother din not have the time
because of his job to be reviewing and/or writing what needs to be a t in the cause of
this complaintI will do thisHe will review and sign whatever neexil ,o be signed
The complaint shows the types of numbers used to identify policy nu :nbers and the
problems along those lines*** filled out a Deceased Owner Chen Form and it was
returned and the same form was required to be completed againTii.is is a mysteryWhy?
There are other questions but not until NAIC#XXXXX responds at thi:!oint
/s/ *** ** ***
***
Final Business Response /* (4000, 13, 2016/10/20) */
October 19,
Revdex.com of Southwest Missouri
S Campbell Ave
Springfield, MO
Re: Policy XXXXXXXX
Complaint:CAXXXXX
Revdex.com Complaint ID: XXXXXX
Dear Sir/Madam:
This letter is in response to the complaint teceived from your office on September 28,
Thank you for giving American National Insurance Company ("American National") an opportunity
to respond to *** ***'s concerns
Our records show that the above mentioned policy has a special ownership to *** ***
We were notified of the death of *** *** when *** *** contacted our Life Customer
Service Department on January 15, At that time, a deceased ownership form was mailed to him
On May 16, we received a partially completed deceased ownership formA letter was mailed to
Mr*** on May 18, advising him of the requirements that were needed in order to process
the deceased ownership form (enclosed)Mr*** contacted our Life Customer Service
Department on July 20, and another deceased ownership form was mailed to himAs of today
we have not received the completed form
A formal response was mailed to Ms*** on October 18, with instructions on how
to complete the required formThe partially completed form was sent back to her with the specific
areas highlighted that should be completedPlease note that this form must be fully completed in
order to change the ownership, Once the ownership is changed from *** ***'s name,
information about the policy may be released to the newly named owner
American National Insurance Company has appreciated the opportunity to further review this
matter on behalf of our customerWe trust that this letter provides a complete response to Ms
***'s complaintShould you have any further questions, please feel free to correspond with me at
the address above or you may call our Life Customer Service Center at X-XXX-XXX-XXXXThank you
May 18,
*** J ***
*** DR
CHICAGO HEIGHTS IL
Policy: #MXXXXXXXX
Dear Valued Customer,
We have recently received a request for a change regarding this policyPlease submit the
following requirements so that we may process this change:
Unable to process deceased ownership change request
We will need the affiants name written in where it states "before me, the
undersigned authority, on this day personally appeared ..."
The relationship of the primary owner will need to state Insured" not son
We will need the contingent owners date of birth and ssn listed
City, slate and date
*** *** Will need to sign on page two
The file will be held in our pending for days waiting fora response before closing the file
unprocessedIf you should have any questions, please feel free to write, or call us between
8:a.mand 5:p.mCST at our toil free number shoWn above_ our customer service
representatives will be happy to assist you
We value you as a customer and look forward to serving you
Sincerely,
*** ***
Career Sales and Service.Division
Life Policy Administratio
American National General Insurance Company continues to evaluate the claim presented by Mr***Indoing so we have made requests of him in an effort to determine what coverage is available under his policy withour companyOur team members have communicated with Mr*** on several occasions
via telephone andemail and will continue to do so until the conclusion of his claim.Please contact me at the number listed below should you have any questions or concerns.Sincerely,*** ***Special Investigations UnitOperational Support*** *** ***
Initial Business Response /* (1000, 5, 2016/10/12) */
Contact Name and Title: *** *** Claims Mgr
Contact Phone: *** x***
Contact Email: ***@americannational.com
This will acknowledge receipt of the above referenced insurance Complaint on October 12, I will provide
a summary of the claim activity, as well as a review of the current status of the file
02/26/- The insured reported wind damage to her roof on 01/29/
02/29/- We advised the insured of the initial coverage information for her loss and explained the claims processWe also advised that before any work is done to the dwelling to be sure the roofing contractor is in agreement with the estimateIf the contractor disagrees with our estimate, the contractor would have to provide us with an invoice and detailed information as to why a supplement is neededThe insured advised at that time that she understood our conversationWe assigned an Independent Appraiser to inspect the dwelling for covered damages
03/23/- We reviewed the IA inspection report, photos and estimateInspection found wind damage to the front slope of the risk and no damage to the rear slope from this stormThe damage to the rear slope at the skylight is old damage of more than a year oldThe front slope has areas of lifted shingles and the roof is years oldThe shingles are too brittle to repairOur estimate included replacement of the front slope and front offset onlyInterior inspection revealed kitchen ceiling damage from water leaking from a cracked skylightThis was recent damage but it has been leaking as seen by the patch on the roofMs*** stated to the IA that she has had it repaired but it started leaking again when this wind storm hitThe visual damages found and covered for this loss were consistent with the cause and origin of lossThe total estimate for the covered roof and interior repairs amounted to an RCV of $*** - $*** deductible = $*** Net Actual Cash Value Claim and a payment was issued to the insured
05/18/- We received a call from the insured indicating that she was not in agreement with our estimateWe advised the insured to have contractor provide supporting documentation indicating rear slope needed to be replaced as a result of a covered perilWe also requested an itemized estimate so that we could compare IA's estimate with her contractor's estimate to determine any discrepanciesThe insured informed us that her contractor could not provide any supporting documentation to explain why the roof needed to be replaced and nor would contractor prepare a written itemized estimate of damagesThe insured simply demanded that we cover replacement of her roofWe also followed up with her contractor but received no return calls for assistance
09/27/- After numerous requests for insured to submit supporting documentation, we sent her a partial denial letter explaining our rationaleWe specifically indicated in part, that her Washington American National General Insurance Company Policy *** (7-14), provides coverage for accidental direct physical loss to your property, subject to certain limitations and exclusionsThe wind damage to the front slope of the dwelling roof, and the interior water damage are covered per policyPayment was rendered in the amount of $***The policy specifically excludes wear and tear, and maintenance issuesIf she has information or documentation inconsistent with this denial, please forward it for our reviewOur denial is based upon information provided and investigation conducted related to this claim to dateWe reserve the right to assert other grounds for denial should those be revealed in any other investigation or inquiry
In conclusion, our claim file remains closed
Initial Consumer Rebuttal /* (3000, 7, 2016/10/17) */
I do not accept your response
Final Business Response /* (4000, 9, 2016/10/19) */
The Insured has filed the same complaint with the Department of InsuranceWe have also mirrored our response to the DOI likewise, including a copy of the insured's declaration page and policy formWe reiterated that the insured wants us to negate the policy language and pay for repairs or replacement of items that were not damaged and/or covered under her homeowner's policyPer the denial letter sent to the insured, it states in part, "Inspection of your loss revealed the following:
Wind damage to the front slope of the dwelling roof only
No exterior damage
Old damage and patch work by the skylight on the rear slope not related to this claim
Interior water damage to the kitchen ceiling caused by a crack in the skylight
Your Washington American National General Insurance Company Policy *** (7-14), provides coverage for accidental direct physical loss to your property, subject to certain limitations and exclusionsThe wind damage to the front slope of the dwelling roof, and the interior water damage are covered per policyPayment was rendered in the amount of $***The policy specifically excludes wear and tear, and maintenance issues."
Final Consumer Response /* (4200, 16, 2016/11/02) */
You, along with your company are a bunch of maggots, collected upon a parasitic platform of injustice and corporate GREED! ***!!!
Dear ***@comcast.net, I apologize for not responding soonerFrankly, I did not see the email from Revdex.com. I do think I can help you, but first, you must know that I am not an agent for American National and no longer represent them in any form, I resigned my appointment three and a
half years ago after being an agent for them for over years Somehow my name keeps appearing with American National from different searches I have hired a company to help locate these search results and if you can tell me how you found I would like to get my name removed from the searchFor satisfaction for your issue, I suggest you call *** *** at ***, this is the number to American National home office Very best regards, *** ***
Initial Business Response /* (1000, 5, 2016/09/22) */
We have been unable to locate this individual's name in our systemWould you please provide us with a copy of his GAP policy, so we may research and respond accordinglyThanks
Initial Business Response /* (1000, 7, 2016/10/27) */
Mr.*** contracted to be an insurance agent for our companyHis contract required him to purchase E & O and to maintain "tail coverage" for one year following terminationThe unearned premium was retained in accordance with his contract
We advanced him commissions and in return he was supposed to produce a minimum number of insurance policies in AugustThe E & O premium he references was taken from the commissions we advanced himHe did not write us a check for the E & O and did not produce any business to earn the commissions that were advanced to him
Initial Consumer Rebuttal /* (3000, 18, 2016/11/21) */
***Document Attached***
The following letter to me from American National describes elements:
American National Company Policy
And
How Errors and Omissions Insurance policies work
The American National letter cited and attached absolutely proves my claim against American NationalThese kind of actions by the company caused me to quit my association with the company within the first days
How Errors and Omissions Insurance policies workAs described by the American National letter cited as an attachment, the policy sits dormant and only takes effect when the first policy by myself as a customer of American National is written for one of my clientsBefore that time neither the company or myself has incurred ANY risk
I never wrote even one policy when associated with American National during my month tenue as other documentation I have provided written by American National states
Thus, the entire errors and omissions insurance I purchased from American National as one of their customers is considered to be Unearned by American National and all State Insurance Laws require all unearned premiums by an Insurance company to be refunded to the purchaser when a policy is terminated by the insurance company, in this case American National
If I even wrote one policy, I would not be complaining because the client could have a errors and omissions claim against myself or American National
American National's OWN LETTER details thisIt is what is called a "claims made" style policy but no entity can make a claim unless a policy has been writtenAmerican National knows this, per their letter to me, and is merely attempting to breech Insurance Law
Final Consumer Response /* (4200, 27, 2016/12/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I believe the issue is founded in the CA Insurance Code, however if the company believes otherwise then:
American National Property and Causality Company
East Sunshine Street, Springfield, MO XXXXX
For Service: The *** registered agent for service *** Avenue Clayton, MO XXXXX
Unpaid Unearned Premium- $*** and $*** for my time and costs before court
Unpaid Advance- $***
Total: $***
Final Business Response /* (4000, 24, 2016/12/02) */
This is a contractual issue and the company has handled this in accordance with the Agent Agreement Mr***l signed with the company
Initial Business Response /* (1000, 9, 2016/10/18) */
October 13,
Revdex.com
Re: Claim ***
Your Case #XXXXXX
Our Insured: *** ***
Complainant: *** ***
Date of Accident: August 25,
Thank you for the opportunity to respond to your inquiry of
October 3, 2016, regarding
Mr***'s concernsWe received notice of this loss on August 26, On August 29,
2016, we honored Mr***'s request for a rental as a direct bill to us through
*** RentalMr***'s vehicle was deemed a total loss and sent to the total loss team
on September 9, Since we were unable to reach Mr*** on this date, we set the last
day of rental through *** for September 12, 2016, as *** would also assist us in
getting Mr*** to respond to our calls
We reached Mr*** on September 12, 2016, and settled his total lossWe advised him very
clearly at that time we would give him another full week of rental to September 19, 2016, which
was plenty of time for him to get his paperwork to us for payment*** also advised
Mr*** of the sameUnfortunately, Mr*** did not sign his paperwork correctly, nor did
he have his title notarized as requestedWe told Mr*** it was not our responsibility to keep
him in a rental due to these mistakes, and he was aware the last day we would pay was
September 19,
Our position is we have approved a reasonable amount of rental for this loss, and Mr***
was clearly made aware we would not be paying beyond September 19,
We appreciate your inquiry into this matterIf you have any questions or need any further
documentation, please call me at the number listed below
Sincerely,
*** ***
Manager - Claims Services
Auto Claims Division
American National Property And Casualty Company
#X-XXX-XXX-XXXX, Extension ***
Fax #XXX-XXX-XXXX
jar
c: *** ***
Executive Office
*** *** Vice President of Claims
*** *** Director of Claims
2/22/2018: Called consumer left a VM message and return call request regarding complaint filed by consumer.3/1/2018: Mediator called consumer and discussed status of complaint. Consumer stated she received a letter from business informing her if she paid $premium balance will be waived. Consumer stated because she just wanted this to go away she paid the $64.00, the policy was cancelled and she wants no further dealings with the business. Consumer considers this claim resolvedMediator ask consumer if she can provide a copy of the letter she received from Business for the file. Consumer said she will email copy of the letter to Revdex.com
Initial Business Response /* (1000, 5, 2015/06/16) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@anpac.com
We are in receipt of your communication of June 15, 2015, enclosing the complaint of *** ***We anticipate responding directly to Mr***
concerning his complaint within business daysWe are constrained in providing you a details response because of various laws and regulations regarding the release of customer information
Complaint: [redacted]
I am rejecting this response because: The original document I sent on page two which they did not show you and I have sent. At the top of the page it says at the top of the page that the roof was 3 weeks old. This document is the Sellers disclosure when we purchased house. And signed July 18, 2013.Also They say they sent something in April. I did not receive anything until I got the cancelation notice. Nor did they contact my agent.
Sincerely,
[redacted]
American National Insurance understands that Mr. [redacted] rejected our previous response, however at this time we have no additional information with which to respond. We will continue to work with Mr. [redacted] in an effort to determine what coverage is available to him.
Initial Business Response /* (1000, 5, 2016/07/29) */
We are in receipt of your communication of July 27, 2016 enclosing the complaint of [redacted]. We have communicated directly with Mr. [redacted] concerning his complaint. We are constrained in providing you a detailed response because of various...
laws and regulations regarding the release of customer information.
Initial Business Response /* (1000, 5, 2016/08/15) */
Ms. [redacted] first contacted [redacted] National advising that she wished to be compensated for Diminished Value of her 2015 Mercedes on March 29, 2016. The Claims Representative advised her she would check on what we would need. The Claims...
Representative re-contacted her on April 4, 2016 advising that we would need an appraiser to re-inspect her vehicle after the repairs were completed to complete a Quality of Repair inspection. We sent an assignment that day to our Appraiser to contact her to arrange for the inspection. On April 12, we received a status from him that Ms. [redacted] was to call him that week to arrange for the inspection. On April 18, 2016, we received another status from the Appraiser that he has left a message for Ms. [redacted] again. On April 21, 2016, the Claims Representative called Ms. [redacted] and left another message as she had not re-contacted the Appraiser. On April 25, 2016, a letter was sent to her as well.
On May 19th, 2016, Ms. [redacted] sent an E-mail to the representative sending her a report that Ms. [redacted] had requested from Pro Appraisal for their opinion on the Diminished value of her vehicle. The Claims Representative e-mailed her back advising that we needed to have the re-inspection completed on her repaired vehicle. A follow up call was made to her on May 23, 2016, and another letter sent June 9, 2016. On June 14, 2016, Ms. [redacted] e-mailed the Claims Representative that she would contact appraiser to set up an appointment with him. On July 1, 2016, Ms.[redacted] e-mailed the Claims Representative advising that the Appraiser had re-inspected her vehicle and she was asking for a status on her claim. The Claims Representative told her she would review the claim with management.
The information we had in our file was that the re-inspection had not yet been completed. We contacted the Appraiser that we had originally assigned to re-inspect the vehicle and he advised that he had not re-inspected it and had never had a response from Ms. [redacted]. On August 9, 2016, we were able to find out that, in fact, a different Appraiser had been assigned and re-inspected her vehicle. The report had evidently been misplaced and was never received at our office. The Claims Representative e-mailed Ms.[redacted] on August 9 advising that the report had evidently been misplaced.
The Claims Representative called and left a message for Ms. [redacted] on August 10, to make an offer to settle her claim for Diminished Value. The Claims Representative did not get a response from Ms. [redacted] and left her another message on August 15, 2016.
We will continue our efforts to contact Ms. [redacted] to resolve her claim. If there is anything additional you need from our office please advise.
Initial Business Response /* (1000, 8, 2016/12/14) */
December 14th, 2016
Revdex.com of Southwest Missouri
2754 S Campbell Ave.
Springfield, MO XXXXX
RE: Ms. [redacted]
Revdex.com Case# XXXXXX
American National policy: #24AXXXXXR9
To whom it may concern:
Thank...
you for the opportunity to provide a response for the grievance brought to the Revdex.com of Southwest Missouri. In the complaint, Ms. [redacted] outlines the difficulty she experienced with her American National agent, [redacted] and the delay that occurred with the cancellation of her personal auto policy. The information below provides a timeline that begins with Ms. [redacted]'s contact with American National and concludes with the cancellation of her auto policy.
As acknowledged by both Ms. [redacted] and Mr. [redacted] assistant, the first communication occurred in September with an inquiry from Ms. [redacted] regarding availability of coverage at her new address in Florida. On September 28th, 2016, a payment in the amount of $37.03 was drafted from Ms. [redacted]'s automatic EasyPay account. Mr. [redacted] office advised Ms. [redacted] that no coverage could be offered in the state of Florida. Upon learning that no coverage could be offered, Ms.[redacted] requested cancellation of her personal auto policy, effective September 29th, 2016, to Mr. [redacted] office. Regrettably, a cancellation request was never submitted to the American National home office.
On October 28th, 2016, $37.03 was withdrawn from Ms. [redacted]'s EasyPay account. Ms. [redacted] then reached out to Mr. [redacted] office to again request cancellation of the personal auto policy. Mr. [redacted] provided Ms. [redacted] with paperwork to authorize the cancellation. While the signed cancellation was returned back from Ms. [redacted], unfortunately the cancellation was again not submitted to the American National home office for processing.
On November 28th, 2016, $37.03 was withdrawn from Ms. [redacted]'s EasyPay account. At this point, on November 28th 2016, Ms. [redacted] contacted the Client Service Center (CSC) at American National's home office questioning why the policy had not yet been canceled. That same day, the CSC made contact with Mr. [redacted] office regarding the cancellation request. On November 30th, 2016, Mr. [redacted] provided the CSC with a copy of the signed cancellation request with an effective date of September 29th, 2016.
As of December 8th, 2016, Ms. [redacted]'s personal auto policy has been canceled effective September 29th, 2016 and a refund of $132.95 has been generated.
Again, thank you for allowing the opportunity to respond to Ms. [redacted]'s concerns. If you would like any further information on this case, please contact me at X-XXX-XXX-XXXX, extension [redacted] or via email at [redacted]@AmericanNational.com.
Sincerely,
[redacted] CPCU
Underwriter, Underwriting Services, West Central Underwriting
American National Property and Casualty Company
Initial Consumer Rebuttal /* (2000, 10, 2016/12/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
They have cancelled my account and I have received my refund. I appreciate their acknowledgement of the issues that I have had with their company.
Initial Business Response /* (1000, 5, 2015/11/18) */
Dear Ms. [redacted]
We are in receipt of your communication of November 17, 2015 enclosing the complaint of consumer, Ms. [redacted].
We anticipate responding directly to Ms. [redacted] concerning her complaint. We hope you appreciate...
the sensitive nature of our transactions and that we are constrained in providing you a detailed response because of various laws and regulations concerning the release of information.
If you would like any information provided to the complainant in response to her concerns, we would request that you obtain that directly from the complainant. They can release the information they feel appropriate, and maintain the privacy of any information they feel should be held confidential.
Ms. [redacted] may contact our office directly if she needs further assistance regarding this issue.
Sincerely,
[redacted]
American
National Insurance understands that Mr. [redacted] rejected our previous
response,
however at this time we have no additional information with which to
respond. We will continue to work with Mr. [redacted] in an effort to
determine what coverage is available to him.
Initial Business Response /* (1000, 6, 2016/12/27) */
Thank you for contacting our offices
Due to privacy regulations affecting insurance companies we are prohibited from releasing private client information to anyone other than the named insured under our policyA response will be provided
directly to *** within the next business days
Initial Consumer Rebuttal /* (3000, 8, 2016/12/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
they should be able to say to you why I was denied by corporateLuckily I was able to get the local agents to accept my renewal of insurance because in their words "you are a very good customer with no pay issues for more than years and not sure why they would deny you" The corporate office has some cleaning up to do to fix their obvious customer service issues
Final Business Response /* (4000, 12, 2017/01/09) */
Thank you for contacting our offices
Replacement funds have been received for *** policies to rectify the situationThe policy has been reinstated
2/15/2018: Mediator called business and left VM message with *** ***, requesting a faxed copy of a jpg document (Addenum for Property Subject to Mandatory Membership in a Property Owners Association) previously sent to the Revdex.comThe jpg document is not legible.2/22/18: Mediator received message from business, *** ***, stating a fax copy will be worse. *** *** X ***3/08/2018: Mediator contacted business and left a VM to discuss status of claim and consumer stating business will waive the premium balance if consumer pays $64.00. Consumer said she paid the $64.00. Mediator requested copy of said letter business sent to consumer, if available
Initial Business Response /* (1000, 9, 2016/12/06) */
Contact Name and Title: *** *** Claims Mgr
Contact Phone: XXX-XXX-XXXX ***
Contact Email: ***@americannational.com
The first part of the complaint indicates concerns with the time elapsed to address a supplemental claim for
additional damageThe CR was contacted by the contractor regarding a supplement requestThe CR requested supporting documentation in the form of the bids from subs and photosI spoke with the customer on 11/17/and left a message for the contractor that same dayOn 11/18/16, *** called back and sent bids from subcontractorsWe requested the photos from the contractor of the damaged windows being claimed as a supplement, as this was not noted in the Independent Adjuster's report*** from the contractor office did not have these, so she requested the photos from the subcontractorThe photos were received from the *** on 11/29/We have requested the IA revise his estimate to allow for the windowsWe will contact Mr*** as soon as the revised estimate is completed to review any supplemental payment that is warranted
The second portion of the complaint addresses the deductionThe policy that was sent to Mr*** at inception in states under the section entitled "How We Settle the Loss" item that Roofs when damaged by wind or hail are settled as per the Roof Payment Schedule attached to the policyThe following also appears on the Declaration Page that was provided in 2015, and again at the renewal: "FOR WIND AND HAIL LOSS, ROOF SETTLEMENT IS BASED ON THE ROOF PAYMENT SCHEDULE IN YOUR POLICY." The claim log indicates the Claim Representative explained this to Mr*** on November 29, Based on the known age of the roof of years, the claim was adjusted correctly at the maximum payment available per the payment schedule
Initial Business Response /* (1000, 6, 2017/03/17) */
An Acknowledgement letter is attached for your reviewPlease advise if anything additional is needed at this time
*** ** *** AIRC
Corporate Complaint Coordinator
Corporate Relations and Compliance
American National Insurance
Company
One Moody Plaza
Galveston, Texas XXXXX
Phone:
Email: [email protected]
Fax:
Initial Consumer Rebuttal /* (3000, 12, 2017/06/01) */
please see attachment
Final Business Response /* (4000, 17, 2017/06/21) */
***Document Attached***
Please see attached Response that was emailed on 06/02/If you need any additional information please let me knowThank you
Initial Business Response /* (1000, 5, 2016/10/04) */
September 29,
Revdex.com
Serving Western Pennsylvania
SCampbell Avenue\par
Springfield, MO
Re: IDO XXXXXX ** ***
Dear Dispute Resolution Team:
We are in receipt of your letter dated September 28, 2016,
enclosing the complaint from the above
named consumer
Because various state and federal privacy laws and regulations regarding the privacy of customer
information place constraints on our releasing personal private information of our customers, we have
requested a release from the customerWhile we are awaiting return of that release, we will begin
researching this complaint and collecting documentationOnce the release is received, we will provide
you with the information authorized by the contract owner that we believe are necessary to close this
complaint
If for such reason the customer has chosen to not release their personal private information, we'll
notify you as wellIn most cases the customer will choose to release information, but there may be that
one case in which the customer may later decide to keep their information private.While we do not
anticipate it happening very often, should we fail to receive a release by October 19, we will provide
a full response to the customer and notify your offices of these actions
If you should have any questions in the meantime, please let us know
Sincerely,
*** *** AIRC
Corporate Complaint Coordinator
NAIC# XXXXX
Internal File# CAXXXXX
Initial Consumer Rebuttal /* (3000, 11, 2016/10/17) */
TO: *** *** (Fax NoXXX-XXX-XXXX)
American National Insurance Company NAIC #XXXXX
Galveston,Texas
TO: Revdex.com, Complaint ID *** (Fax No417..X:XX-XXXX)
RE: *** ** ***
*** Drive
Chicago Heights, IL
My name is *** ***I am in charge of matters concecii anything about
my familyMy brother, ***, is giving American National Insuram Company (ANIC)
permission to release documents necessary to unravel the mystery a t
.1%1IC and its
relationship with my father, *** ** ***, deceased, and my Er, her, *** **
***See attached letter dated September 29, 2016, from *** I *** NAIC
#XXXXX*** ** *** also gives his permission for *** t handle matters
about this complaint
NAIC#XXXXX has given the Revdex.com a boilerplate form answer and also: ***Nothing
revealing about thatSuch use of template forms say littleThe face re that when we
contacted the Revdex.com for assistance privacy is precedent and the Revdex.com i; legally bound to all
privacy laws
One thing NAIC#XXXXX does not know is that our communication:, v re coming from an
office located in Springfield, MO 65899, *** Street (***)I am attaching the letters mailed to ***
I believe that NAIC#XXXXX has given *** an ultimatum date of Oc pber 19, This
complaint will continue until we can understand the mystery of AN( ' s relationship with
my father, *** ** *** and my brother, ***My brother din not have the time
because of his job to be reviewing and/or writing what needs to be a t in the cause of
this complaintI will do thisHe will review and sign whatever neexil ,o be signed
The complaint shows the types of numbers used to identify policy nu :nbers and the
problems along those lines*** filled out a Deceased Owner Chen Form and it was
returned and the same form was required to be completed againTii.is is a mysteryWhy?
There are other questions but not until NAIC#XXXXX responds at thi:!oint
/s/ *** ** ***
***
Final Business Response /* (4000, 13, 2016/10/20) */
October 19,
Revdex.com of Southwest Missouri
S Campbell Ave
Springfield, MO
Re: Policy XXXXXXXX
Complaint:CAXXXXX
Revdex.com Complaint ID: XXXXXX
Dear Sir/Madam:
This letter is in response to the complaint teceived from your office on September 28,
Thank you for giving American National Insurance Company ("American National") an opportunity
to respond to *** ***'s concerns
Our records show that the above mentioned policy has a special ownership to *** ***
We were notified of the death of *** *** when *** *** contacted our Life Customer
Service Department on January 15, At that time, a deceased ownership form was mailed to him
On May 16, we received a partially completed deceased ownership formA letter was mailed to
Mr*** on May 18, advising him of the requirements that were needed in order to process
the deceased ownership form (enclosed)Mr*** contacted our Life Customer Service
Department on July 20, and another deceased ownership form was mailed to himAs of today
we have not received the completed form
A formal response was mailed to Ms*** on October 18, with instructions on how
to complete the required formThe partially completed form was sent back to her with the specific
areas highlighted that should be completedPlease note that this form must be fully completed in
order to change the ownership, Once the ownership is changed from *** ***'s name,
information about the policy may be released to the newly named owner
American National Insurance Company has appreciated the opportunity to further review this
matter on behalf of our customerWe trust that this letter provides a complete response to Ms
***'s complaintShould you have any further questions, please feel free to correspond with me at
the address above or you may call our Life Customer Service Center at X-XXX-XXX-XXXXThank you
May 18,
*** J ***
*** DR
CHICAGO HEIGHTS IL
Policy: #MXXXXXXXX
Dear Valued Customer,
We have recently received a request for a change regarding this policyPlease submit the
following requirements so that we may process this change:
Unable to process deceased ownership change request
We will need the affiants name written in where it states "before me, the
undersigned authority, on this day personally appeared ..."
The relationship of the primary owner will need to state Insured" not son
We will need the contingent owners date of birth and ssn listed
City, slate and date
*** *** Will need to sign on page two
The file will be held in our pending for days waiting fora response before closing the file
unprocessedIf you should have any questions, please feel free to write, or call us between
8:a.mand 5:p.mCST at our toil free number shoWn above_ our customer service
representatives will be happy to assist you
We value you as a customer and look forward to serving you
Sincerely,
*** ***
Career Sales and Service.Division
Life Policy Administratio
American National General Insurance Company continues to evaluate the claim presented by Mr***Indoing so we have made requests of him in an effort to determine what coverage is available under his policy withour companyOur team members have communicated with Mr*** on several occasions
via telephone andemail and will continue to do so until the conclusion of his claim.Please contact me at the number listed below should you have any questions or concerns.Sincerely,*** ***Special Investigations UnitOperational Support*** *** ***
Initial Business Response /* (1000, 5, 2016/10/12) */
Contact Name and Title: *** *** Claims Mgr
Contact Phone: *** x***
Contact Email: ***@americannational.com
This will acknowledge receipt of the above referenced insurance Complaint on October 12, I will provide
a summary of the claim activity, as well as a review of the current status of the file
02/26/- The insured reported wind damage to her roof on 01/29/
02/29/- We advised the insured of the initial coverage information for her loss and explained the claims processWe also advised that before any work is done to the dwelling to be sure the roofing contractor is in agreement with the estimateIf the contractor disagrees with our estimate, the contractor would have to provide us with an invoice and detailed information as to why a supplement is neededThe insured advised at that time that she understood our conversationWe assigned an Independent Appraiser to inspect the dwelling for covered damages
03/23/- We reviewed the IA inspection report, photos and estimateInspection found wind damage to the front slope of the risk and no damage to the rear slope from this stormThe damage to the rear slope at the skylight is old damage of more than a year oldThe front slope has areas of lifted shingles and the roof is years oldThe shingles are too brittle to repairOur estimate included replacement of the front slope and front offset onlyInterior inspection revealed kitchen ceiling damage from water leaking from a cracked skylightThis was recent damage but it has been leaking as seen by the patch on the roofMs*** stated to the IA that she has had it repaired but it started leaking again when this wind storm hitThe visual damages found and covered for this loss were consistent with the cause and origin of lossThe total estimate for the covered roof and interior repairs amounted to an RCV of $*** - $*** deductible = $*** Net Actual Cash Value Claim and a payment was issued to the insured
05/18/- We received a call from the insured indicating that she was not in agreement with our estimateWe advised the insured to have contractor provide supporting documentation indicating rear slope needed to be replaced as a result of a covered perilWe also requested an itemized estimate so that we could compare IA's estimate with her contractor's estimate to determine any discrepanciesThe insured informed us that her contractor could not provide any supporting documentation to explain why the roof needed to be replaced and nor would contractor prepare a written itemized estimate of damagesThe insured simply demanded that we cover replacement of her roofWe also followed up with her contractor but received no return calls for assistance
09/27/- After numerous requests for insured to submit supporting documentation, we sent her a partial denial letter explaining our rationaleWe specifically indicated in part, that her Washington American National General Insurance Company Policy *** (7-14), provides coverage for accidental direct physical loss to your property, subject to certain limitations and exclusionsThe wind damage to the front slope of the dwelling roof, and the interior water damage are covered per policyPayment was rendered in the amount of $***The policy specifically excludes wear and tear, and maintenance issuesIf she has information or documentation inconsistent with this denial, please forward it for our reviewOur denial is based upon information provided and investigation conducted related to this claim to dateWe reserve the right to assert other grounds for denial should those be revealed in any other investigation or inquiry
In conclusion, our claim file remains closed
Initial Consumer Rebuttal /* (3000, 7, 2016/10/17) */
I do not accept your response
Final Business Response /* (4000, 9, 2016/10/19) */
The Insured has filed the same complaint with the Department of InsuranceWe have also mirrored our response to the DOI likewise, including a copy of the insured's declaration page and policy formWe reiterated that the insured wants us to negate the policy language and pay for repairs or replacement of items that were not damaged and/or covered under her homeowner's policyPer the denial letter sent to the insured, it states in part, "Inspection of your loss revealed the following:
Wind damage to the front slope of the dwelling roof only
No exterior damage
Old damage and patch work by the skylight on the rear slope not related to this claim
Interior water damage to the kitchen ceiling caused by a crack in the skylight
Your Washington American National General Insurance Company Policy *** (7-14), provides coverage for accidental direct physical loss to your property, subject to certain limitations and exclusionsThe wind damage to the front slope of the dwelling roof, and the interior water damage are covered per policyPayment was rendered in the amount of $***The policy specifically excludes wear and tear, and maintenance issues."
Final Consumer Response /* (4200, 16, 2016/11/02) */
You, along with your company are a bunch of maggots, collected upon a parasitic platform of injustice and corporate GREED! ***!!!
Dear ***@comcast.net, I apologize for not responding soonerFrankly, I did not see the email from Revdex.com. I do think I can help you, but first, you must know that I am not an agent for American National and no longer represent them in any form, I resigned my appointment three and a
half years ago after being an agent for them for over years Somehow my name keeps appearing with American National from different searches I have hired a company to help locate these search results and if you can tell me how you found I would like to get my name removed from the searchFor satisfaction for your issue, I suggest you call *** *** at ***, this is the number to American National home office Very best regards, *** ***
Initial Business Response /* (1000, 5, 2016/09/22) */
We have been unable to locate this individual's name in our systemWould you please provide us with a copy of his GAP policy, so we may research and respond accordinglyThanks
Initial Business Response /* (1000, 7, 2016/10/27) */
Mr.*** contracted to be an insurance agent for our companyHis contract required him to purchase E & O and to maintain "tail coverage" for one year following terminationThe unearned premium was retained in accordance with his contract
We advanced him commissions and in return he was supposed to produce a minimum number of insurance policies in AugustThe E & O premium he references was taken from the commissions we advanced himHe did not write us a check for the E & O and did not produce any business to earn the commissions that were advanced to him
Initial Consumer Rebuttal /* (3000, 18, 2016/11/21) */
***Document Attached***
The following letter to me from American National describes elements:
American National Company Policy
And
How Errors and Omissions Insurance policies work
The American National letter cited and attached absolutely proves my claim against American NationalThese kind of actions by the company caused me to quit my association with the company within the first days
How Errors and Omissions Insurance policies workAs described by the American National letter cited as an attachment, the policy sits dormant and only takes effect when the first policy by myself as a customer of American National is written for one of my clientsBefore that time neither the company or myself has incurred ANY risk
I never wrote even one policy when associated with American National during my month tenue as other documentation I have provided written by American National states
Thus, the entire errors and omissions insurance I purchased from American National as one of their customers is considered to be Unearned by American National and all State Insurance Laws require all unearned premiums by an Insurance company to be refunded to the purchaser when a policy is terminated by the insurance company, in this case American National
If I even wrote one policy, I would not be complaining because the client could have a errors and omissions claim against myself or American National
American National's OWN LETTER details thisIt is what is called a "claims made" style policy but no entity can make a claim unless a policy has been writtenAmerican National knows this, per their letter to me, and is merely attempting to breech Insurance Law
Final Consumer Response /* (4200, 27, 2016/12/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I believe the issue is founded in the CA Insurance Code, however if the company believes otherwise then:
American National Property and Causality Company
East Sunshine Street, Springfield, MO XXXXX
For Service: The *** registered agent for service *** Avenue Clayton, MO XXXXX
Unpaid Unearned Premium- $*** and $*** for my time and costs before court
Unpaid Advance- $***
Total: $***
Final Business Response /* (4000, 24, 2016/12/02) */
This is a contractual issue and the company has handled this in accordance with the Agent Agreement Mr***l signed with the company
Initial Business Response /* (1000, 9, 2016/10/18) */
October 13,
Revdex.com
Re: Claim ***
Your Case #XXXXXX
Our Insured: *** ***
Complainant: *** ***
Date of Accident: August 25,
Thank you for the opportunity to respond to your inquiry of
October 3, 2016, regarding
Mr***'s concernsWe received notice of this loss on August 26, On August 29,
2016, we honored Mr***'s request for a rental as a direct bill to us through
*** RentalMr***'s vehicle was deemed a total loss and sent to the total loss team
on September 9, Since we were unable to reach Mr*** on this date, we set the last
day of rental through *** for September 12, 2016, as *** would also assist us in
getting Mr*** to respond to our calls
We reached Mr*** on September 12, 2016, and settled his total lossWe advised him very
clearly at that time we would give him another full week of rental to September 19, 2016, which
was plenty of time for him to get his paperwork to us for payment*** also advised
Mr*** of the sameUnfortunately, Mr*** did not sign his paperwork correctly, nor did
he have his title notarized as requestedWe told Mr*** it was not our responsibility to keep
him in a rental due to these mistakes, and he was aware the last day we would pay was
September 19,
Our position is we have approved a reasonable amount of rental for this loss, and Mr***
was clearly made aware we would not be paying beyond September 19,
We appreciate your inquiry into this matterIf you have any questions or need any further
documentation, please call me at the number listed below
Sincerely,
*** ***
Manager - Claims Services
Auto Claims Division
American National Property And Casualty Company
#X-XXX-XXX-XXXX, Extension ***
Fax #XXX-XXX-XXXX
jar
c: *** ***
Executive Office
*** *** Vice President of Claims
*** *** Director of Claims
2/22/2018: Called consumer left a VM message and return call request regarding complaint filed by consumer.3/1/2018: Mediator called consumer and discussed status of complaint. Consumer stated she received a letter from business informing her if she paid $premium balance will be waived. Consumer stated because she just wanted this to go away she paid the $64.00, the policy was cancelled and she wants no further dealings with the business. Consumer considers this claim resolvedMediator ask consumer if she can provide a copy of the letter she received from Business for the file. Consumer said she will email copy of the letter to Revdex.com
Initial Business Response /* (1000, 5, 2015/06/16) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@anpac.com
We are in receipt of your communication of June 15, 2015, enclosing the complaint of *** ***We anticipate responding directly to Mr***
concerning his complaint within business daysWe are constrained in providing you a details response because of various laws and regulations regarding the release of customer information
Complaint: [redacted]
I am rejecting this response because: The original document I sent on page two which they did not show you and I have sent. At the top of the page it says at the top of the page that the roof was 3 weeks old. This document is the Sellers disclosure when we purchased house. And signed July 18, 2013.Also They say they sent something in April. I did not receive anything until I got the cancelation notice. Nor did they contact my agent.
Sincerely,
[redacted]
American National Insurance understands that Mr. [redacted] rejected our previous response, however at this time we have no additional information with which to respond. We will continue to work with Mr. [redacted] in an effort to determine what coverage is available to him.
Initial Business Response /* (1000, 5, 2016/07/29) */
We are in receipt of your communication of July 27, 2016 enclosing the complaint of [redacted]. We have communicated directly with Mr. [redacted] concerning his complaint. We are constrained in providing you a detailed response because of various...
laws and regulations regarding the release of customer information.
Initial Business Response /* (1000, 5, 2016/08/15) */
Ms. [redacted] first contacted [redacted] National advising that she wished to be compensated for Diminished Value of her 2015 Mercedes on March 29, 2016. The Claims Representative advised her she would check on what we would need. The Claims...
Representative re-contacted her on April 4, 2016 advising that we would need an appraiser to re-inspect her vehicle after the repairs were completed to complete a Quality of Repair inspection. We sent an assignment that day to our Appraiser to contact her to arrange for the inspection. On April 12, we received a status from him that Ms. [redacted] was to call him that week to arrange for the inspection. On April 18, 2016, we received another status from the Appraiser that he has left a message for Ms. [redacted] again. On April 21, 2016, the Claims Representative called Ms. [redacted] and left another message as she had not re-contacted the Appraiser. On April 25, 2016, a letter was sent to her as well.
On May 19th, 2016, Ms. [redacted] sent an E-mail to the representative sending her a report that Ms. [redacted] had requested from Pro Appraisal for their opinion on the Diminished value of her vehicle. The Claims Representative e-mailed her back advising that we needed to have the re-inspection completed on her repaired vehicle. A follow up call was made to her on May 23, 2016, and another letter sent June 9, 2016. On June 14, 2016, Ms. [redacted] e-mailed the Claims Representative that she would contact appraiser to set up an appointment with him. On July 1, 2016, Ms.[redacted] e-mailed the Claims Representative advising that the Appraiser had re-inspected her vehicle and she was asking for a status on her claim. The Claims Representative told her she would review the claim with management.
The information we had in our file was that the re-inspection had not yet been completed. We contacted the Appraiser that we had originally assigned to re-inspect the vehicle and he advised that he had not re-inspected it and had never had a response from Ms. [redacted]. On August 9, 2016, we were able to find out that, in fact, a different Appraiser had been assigned and re-inspected her vehicle. The report had evidently been misplaced and was never received at our office. The Claims Representative e-mailed Ms.[redacted] on August 9 advising that the report had evidently been misplaced.
The Claims Representative called and left a message for Ms. [redacted] on August 10, to make an offer to settle her claim for Diminished Value. The Claims Representative did not get a response from Ms. [redacted] and left her another message on August 15, 2016.
We will continue our efforts to contact Ms. [redacted] to resolve her claim. If there is anything additional you need from our office please advise.
Initial Business Response /* (1000, 8, 2016/12/14) */
December 14th, 2016
Revdex.com of Southwest Missouri
2754 S Campbell Ave.
Springfield, MO XXXXX
RE: Ms. [redacted]
Revdex.com Case# XXXXXX
American National policy: #24AXXXXXR9
To whom it may concern:
Thank...
you for the opportunity to provide a response for the grievance brought to the Revdex.com of Southwest Missouri. In the complaint, Ms. [redacted] outlines the difficulty she experienced with her American National agent, [redacted] and the delay that occurred with the cancellation of her personal auto policy. The information below provides a timeline that begins with Ms. [redacted]'s contact with American National and concludes with the cancellation of her auto policy.
As acknowledged by both Ms. [redacted] and Mr. [redacted] assistant, the first communication occurred in September with an inquiry from Ms. [redacted] regarding availability of coverage at her new address in Florida. On September 28th, 2016, a payment in the amount of $37.03 was drafted from Ms. [redacted]'s automatic EasyPay account. Mr. [redacted] office advised Ms. [redacted] that no coverage could be offered in the state of Florida. Upon learning that no coverage could be offered, Ms.[redacted] requested cancellation of her personal auto policy, effective September 29th, 2016, to Mr. [redacted] office. Regrettably, a cancellation request was never submitted to the American National home office.
On October 28th, 2016, $37.03 was withdrawn from Ms. [redacted]'s EasyPay account. Ms. [redacted] then reached out to Mr. [redacted] office to again request cancellation of the personal auto policy. Mr. [redacted] provided Ms. [redacted] with paperwork to authorize the cancellation. While the signed cancellation was returned back from Ms. [redacted], unfortunately the cancellation was again not submitted to the American National home office for processing.
On November 28th, 2016, $37.03 was withdrawn from Ms. [redacted]'s EasyPay account. At this point, on November 28th 2016, Ms. [redacted] contacted the Client Service Center (CSC) at American National's home office questioning why the policy had not yet been canceled. That same day, the CSC made contact with Mr. [redacted] office regarding the cancellation request. On November 30th, 2016, Mr. [redacted] provided the CSC with a copy of the signed cancellation request with an effective date of September 29th, 2016.
As of December 8th, 2016, Ms. [redacted]'s personal auto policy has been canceled effective September 29th, 2016 and a refund of $132.95 has been generated.
Again, thank you for allowing the opportunity to respond to Ms. [redacted]'s concerns. If you would like any further information on this case, please contact me at X-XXX-XXX-XXXX, extension [redacted] or via email at [redacted]@AmericanNational.com.
Sincerely,
[redacted] CPCU
Underwriter, Underwriting Services, West Central Underwriting
American National Property and Casualty Company
Initial Consumer Rebuttal /* (2000, 10, 2016/12/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
They have cancelled my account and I have received my refund. I appreciate their acknowledgement of the issues that I have had with their company.
Initial Business Response /* (1000, 5, 2015/11/18) */
Dear Ms. [redacted]
We are in receipt of your communication of November 17, 2015 enclosing the complaint of consumer, Ms. [redacted].
We anticipate responding directly to Ms. [redacted] concerning her complaint. We hope you appreciate...
the sensitive nature of our transactions and that we are constrained in providing you a detailed response because of various laws and regulations concerning the release of information.
If you would like any information provided to the complainant in response to her concerns, we would request that you obtain that directly from the complainant. They can release the information they feel appropriate, and maintain the privacy of any information they feel should be held confidential.
Ms. [redacted] may contact our office directly if she needs further assistance regarding this issue.
Sincerely,
[redacted]
American
National Insurance understands that Mr. [redacted] rejected our previous
response,
however at this time we have no additional information with which to
respond. We will continue to work with Mr. [redacted] in an effort to
determine what coverage is available to him.