This customer has his Cincinnati Insurance Company policies set up to make payments through electronic funds transfer (EFT) through his bank accountThe insured has changed his EFT date several times, which alters when payments are receivedThe independent insurance agent writing the policies has
the right to refuse EFT changes in these types of situations where the payment due date has been changed several times previously.This insured called our company in March to complain that the agency would not change his EFT dateIt was explained to him at that time that the agency had a right to refuse this change, due to the multiple changes previously madeThe insured said he understood, and said he would have to seek coverage elsewhere.The current payments for the tenant & auto policies were due on 11-12-We tried to make the EFT, but the bank notified us on 11-17-that the account had been closedThese two non-sufficient funds (NSF) transactions generated an additional $NSF penalty due on each account.The insured called his independent agent on 11-14-advising he wanted to change coverage on his policyAs the premium payment due 11-12-had not been received, the agent informed the insured no changes could be made until the payment clearedOn 11-18-the non-sufficient funds cancellations were processed, generating a cancellation date of 12-1-On 11-23-the agent e- mailed the insured to let him know how much money was due, and what needed to be done to continue coverageOn 11-30-the agent e-mailed the insured again to let him know what needed to be done to continue coverageThe insured did not respond to either e-mail from his agent, and coverage cancelled 12-1-6.Both the home & tenant policies have been cancelled for non-payment of premium effective 12-1-Due to the poor pay history, these policies are not eligible for reinstatement.Please do not hesitate to contact me if you have any questions or concerns
The Cincinnati Insurance Company (CIC) is in receipt of Revdex.com complaint ***, submitted by *** ***CIC acknowledges this matter concerns a claim submitted by Ms***’ son *** *** on May 4, 2016, in relation to an accident involving a Honda Accord. On May 4, 2016, Mr
*** contacted CIC stating he had been involved in an auto accident while driving the vehicle in questionAlso on May 4, 2016, Field Claim Representative Mary Ann *** determined the Honda Accord driven by Mr*** had been deleted from Ms***’ Personal Auto policy on September 4, 2015. On May 10, 2016, Ms*** sent a letter to Ms*** advising there was no available coverage for the May 4, accident involving her son and the Honda AccordOn May 12, 2016, Ms*** contacted Ms*** advising no permission to contact CIC had been given to Mr***Further, Ms*** requested CIC’s file concerning the accident be closedThat same day, CIC’s file was closed and designated “No Claim Made”This matter will not be charged against Ms***’ policy. Copies of CIC’s May 10, letter and activity log are attached
Thank you for your responseAfter careful review, we stand behind our previous statement and decision not to reinstate this policy.Please do not hesitate to contact me if you have any questions or concerns.Thank you very much
The Cincinnati Insurance Company (CIC) acknowledges the June 17, 2015, customer concern *** regarding *** ***Please be advised, on July 7, 2015, this matter has been resolved amicably with *** ***
We recently received a customer complaint identified above and we appreciate the opportunity to respond, Our customer had a complaint regarding the issuance of a refund check for returned Premium owed, due to the cancellation of his homeowner's insurance policyOur records indicate a refund check
in the amount of $2,was sent to *** *** (mortgagee) after discovering the policy had been cancelledOn 8/25/15, a stop payment order was placed on the check, as it had not yet been cashed by the recipient (*** ***)Our billing department has since reissued a check to be sent directly to the insured with expedited shipping, We hope this will resolve any concerns surrounding this issue and regret any inconvenience this may have caused
The CincinnatiSpecialty Underwriters Insurance CompanyA subsidiary of the Cincinnati Insurance CompanySherri B***, AICAssociate Manager, CSU Claims October 17, 2017 *** ***Marketplace Resource ConsultantRevdex.comE 4th, Suite 600Cincinnati, Ohio
45202***@cincinnati.Revdex.com.orgRE: Revdex.com ID No.: *** Insurer The Cincinnati Speciality Underwriters Insurance Company Dear *** ***:The Cincinnati Specialty Underwriters Insurance Company ("CSU") is in receipt of the complaint made to the Revdex.com filed by a customer (the "policyholder") who alleges his claims for defective subcontractor workshould be covered by his insurance policy. The policyholder holds a Commercial General Liability ("CGL") policy with CSUThe purpose of thisGCL policy is to protect the policyholder against liability claims for bodily injury and property damagearising out of its premises, operations, products, and completed operationsThe CGL policy does notprovide coverage for defective work, which includes work or operations performed by the policyholder oron the policy holder's behlafThe referenced claim involves a situation where the work was completed bya subcontractor on the policyholder's behalf.The CGL policy, however, does provide coverage for property damage to the home resulting from thesubcontractor's work, subject to the required deductibleThus, CSU informed the policyholder that it wouldpay for the damage resulting from the subcontractor's work but not for the damaged work itself. Sincerely,Sheri ** B***, AICAssociate Manager --CSU Claims
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
The company has not contacted me in reference to this . Their statement is full of exaggeration and lies. Get my payment record, been late once before this issue in four years. I called days before my payment was due, because my car had broke down , blew head gasket , and was not going to be driving it, obviously, and was never offered the lower rested for times like this. I gave them 4 days notice and they had recently changed that policy, to 5 days to let them know. The agent with held information that could have lowered my rate and chose not to, then try to charge 50 extra because of the 4 day rule. So as you can see the Cincinnati Insurance Company and s not so ethical. Thank you, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted] Weather they reinstate it or not , I do not want that, what they will do is make it so my insurance now is not shown as defaulted. I took your advice and contacted the Michigan Insurance Agency. I am simply asking because of their negligence and greed that it is documented that it was in fact their fault the policy was A. Not renewed because the car was broke down and the lower rate was not offered, and B, them trying to steal $50 dollars on top of being irresponsible.
Complainant: [redacted] Insured: T[redacted] Claim No.: [redacted] Policy No.: [redacted] LoSS Date: 10/24/2016Dear Ms. [redacted]Thank you for your letter dated November 30, 2016 regarding [redacted]'s complaint. On December 8, 2016, The Cincinnati Insurance Company received...
your second notice of Mr. [redacted]'s complaint made with respect to the above referenced claim. At the time of the water loss [redacted] was a condominium owner of property located at [redacted].The Cincinnati Insurance Company provided a Commercial Package Policy form to [redacted] under policy number [redacted]. The effective dates of coverage began on April 10, 2016 and end on April 10, 2017. The insured location l[redacted]. The policy contains a blanket building coverage limit of $28,486,373.00 with a $1,000.00 deductible.The claim was received and assigned to Claims Representative, [redacted], on October 26, 2016 and contact was made with our insured representative and the condominium unit owner, Mr. [redacted], on the following day. Mr. [redacted] was not a direct insured of The Cincinnati Insurance Company. Mr. [redacted]'s sold the condo and Scheduled the closing within a few days of the loss, he proceeded with the sale of the property and was unable to provide access to the unit for Our inspection. We worked with Mr. [redacted]'s carrier to obtain information on the loss. Mr. [redacted] Submitted repair documentation. Prior to receipt of this complaint Weissued settlement payment of $2,170.00 less the $1,000.00 deductible to Mr. [redacted] for our insured's portion of the property damages.Mailing Address: [redacted] I Headquarters: [redacted] [redacted]This document is being produced at the request of the Revdex.com. The production of these documents is neither an expressed, nor implied waiver, of any of the privileges The Cincinnati Insurance Company may have associated with it.
February 4, 2015 [redacted]Durham, NC 27707 RE: Insured: [redacted]...
[redacted] Date of Loss: 5/15/14 Our Claim#: [redacted] Policy #: [redacted] Location: [redacted]Durham, NC Dear Ms. [redacted]: This letter is in follow-up to our conversations and emails regarding your concerns arising out of a claimfor storm related wind damage to your rental dwelling located at [redacted] In a prior email, we acknowledged your concerns and frustrations with the independent adjuster’shandling of your claim. This is certainly unfortunate and we trust we will be able to resolve your claim basedon the covered damages you incurred. As discussed, The Cincinnati Insurance Company agrees to pay you for your engineer’s report ($500), thechimney sweep’s inspection ($99), and the repairs to your driveway ($300)caused by the various contractors. These items total $899. Inaddition, we will pay for a change order submitted by [redacted] inthe amount of $2,050. Initially, thiswas declined as it appeared to be unrelated to the claim. Afterfurther review, we are giving you the benefit of doubt the damages could berelated to the wind storm. Please findenclosed a check in the amount of $2,949 for these supplemental items. Supplement claim driveway, engineer, chimney sweep 899.00 [redacted] 2,050.00 Total 2,949.00 You have mentioned in previous correspondence you feel you have been deceived. Our intent since receiving the claim has beento pay you for your covered damages and never one of deception. It is notuncommon for additional damage to be discovered during the claim adjustmentprocess. Unfortunately, your policy does not provide coverage for your time to review estimates, etc. We,respectfully, must decline your request of $700. We appreciate you bringing this matter to our attention. If youhave any questions or concerns, please feel free to give me a call. Sincerely, [redacted], AICField Claims SuperintendentCincinnati Insurance Enclosures cc: Headquarters
Please find attached our response to [redacted]'s complaint.Thank you,Brad S[redacted]Cincinnati Ins. Co.513-870-2136brad_s[redacted]@cinfin.com The Cincinnati The Cincinnati Insurance Company The Cincinnati Indemnity Company The Cincinnati Casualty Company Insurance Companies The Cincinnati...
Specialty Underwriters Insurance Company The Cincinnati Life Insurance CompanyBrad *. S[redacted], AIC, AISSecretaryRegional Manager, Casualty ClaimsFebruary 13, 2018 Sent Via E-Mail Only: [redacted]@cincinnati.Revdex.com.org Revdex.comAttn: [redacted]Marketplace Resource Consultant Subject: Our Name Insured: [redacted] Our Claim #: [redacted] Revdex.com ID#: [redacted] Dear [redacted];I am writing in response to your inquiry about the above Revdex.com complaint. I appreciate [redacted]would like to recover his deductible. We are trying to do that for him. Our records show ourclaim handler has been keeping [redacted] informed as to the status of this matter, mostrecently speaking with him over the phone on 1-12-2018. As background to this matter, [redacted] had his personal auto insurance with our company, to include collision and comprehensive coverage, at the time his parked and unoccupied vehicleslid down a hill and had to be extracted by a tow truck. The towing company used a cableattached to a tree to pull the vehicle out. In the process, the tree collapsed and fell onto [redacted]'s vehicle. [redacted] turned a claim in to us under his personal auto policy. We promptlyhonored the claim and issued payment to [redacted], less the deductible he elected to carryunder the policy. We believe the towing company was negligent in their actions and should reimburse ourcompany for the damages paid and [redacted] for his deductible. We are pursuing a subrogation claim against the towing company, which includes seeking from them [redacted]'sdeductible. [redacted] insures the towing company. They have been "investigating" this matterfor a considerable period of time. I understand they have now admitted their policyholder was atfault for this accident, but for some reason, they are unwilling to reimburse 100% of the damages. We are continuing our efforts to recover from [redacted] or their policyholder. [redacted]'s deductible will be reimbursed to him if/when we are successful in our subrogation effort.I appreciate [redacted]'s concern as to how long this is taking, but the delay is due to [redacted]'s refusal to honor the damages caused. Thank you for your time and assistance. Brad ** S[redacted]The Cincinnati Insurance Companies Mailing Address: P.O. Box 145496 Cincinnati, OH 45250-5496 Headquarters: 6200 S. Gilmore Road Fairfield, OH 45014-5141brad_s[redacted]@cinfin.com [redacted] Office
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
While I understand that Cincinnati insurance has failed to obtain their money from [redacted], that is no excuse to refuse to pqp the money I am contractually owed. Please send me my $500 immediately
Regards,
[redacted]
[A default letter is provided here which indicates your acceptance of the business's...
response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I found it unfortunate that this matter could not have been negotiated without involving the Revdex.com. Thanks for your assistance.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Regrettably Cincinnati Insurance Company does not want to step up an pay a legitimate claim. I am 63 years old, a veteran with severe health issues living on a fixed income. I pay insurance problems for protection against such disasters as the one that befell my property.The facts in this case are the same:1. I paid Cincinnati Insurance Company my premium to protect my property.2. My neighbor, a very nice young couple with children did the same by paying Cincinnati Insurance Company homeowner premiums also.3. How in the name of fairness to its policy owners it can deny a claim, and even Cincinnati Insurance Company does not dispute that there was substantial damage to my property, when both myself and my wonderful young neighbors the Cruthfields are covered by the same insurance company?The answer lies in the fact that I have a higher deductible and they told me I have to file a claim on my policy even though the neighbors tree caused damage to the power lines and ripped parts of my roof off. Already the roof has started leaking. Cincinnati Insurance answer it was an "Act of God" (Silly me.... I thought that was the reason we buy insurance)A very nice young fellow from Cincinnati Insurance called me trying to get me to drop this Revdex.com claim. I asked him what he felt was the right thing to do and he just said the claim was denied. He did, in fact, advise me to file a claim on my policy. When I told him I had a high deductible of $2500 he said I chose the wrong amount. Asked him why his company would not pay the claim on the Crutchfield's policy with Cincinnati he refused to answer only saying there was no negligence involved. I then asked him if I filed on my policy what would happen. He said if the claim was approved, less the $2500 deductible then I might get a little money but my properties "Loss Report" would make my insurance premiums go up and he would not rule out cancelation of the policy in the future. My own insurance agent who is one of the best in town advised me the same. Also noted that all the insurance companies share the information.In the end I am the one holding the bag for this loss. Researching other complaints against Cincinnati Insurance, like on the "Rip Off Report"I can see that I am not alone.Shame on this company for not paying this claim. I now have to pursue it with the North Carolina Insurance Commissioner. Sure hope I live long enough to see justice in this case. Looks like corporate profits trump moral obligation.
"Bad faith" is the basis of this complaint. We are paying premiums for general liability insurance, and when we have presented legitimate claims, they have been denied. Cincinnati's own team has even tried to change the reasoning of why they were denied, in addition to trying to pass a deductible on to us when there should be no deductible placed from damages from other parties.
I am writing in response to your inquiry about the above Revdex.com complaint. This matter involves a tree limb that fell in a windstorm on property insured by our company. When the limb fell, it pulled down a utility line that was connected to a neighboring property owned by the claimant/complainant. The...
claimant's building sustained damage from the wire being torn down.We conducted an investigation and found that prior to this loss there was no outward, visible indication the tree limb in question had any issues or may otherwise be prone to fall. As such, we declined liability on behalf of our insured property owner for the claimant's damages.Independent of the liability claim, it turned out the claimant also has their property insurance with our company. The damage sustained to their building is covered by their policy. Their policy does have a deductible of $2,500.00 that would be applicable to this loss.We take seriously our obligation under the insurance policy to protect our policyholder against liability claims. We conduct reasonable investigations and honor liability claims when warranted. In this case, liability for the claimant's damages did not rest with their neighbor, our policyholder, and our liability denial was proper.We also honor first-party claims made by a policyholder under their own policy, and we have done that in this present case for the claimant, under their CIC policy. That policy does have a deductible, as is commonplace with insurance policies, which the claimant selected when he purchased his insurance policy.Thank you for your time and assistance.[redacted]The Cincinnati Insurance Companies
The complainant did have commercial insurance policies with our company through 9/5/2014 at which time the coverage was cancelled and placed with another carrier. The premiums/refunds in question are in relation to the insureds Workers Compensation policy, I understand the confusion over the refund...
amounts as some of the documents being referenced (refund of $1,899) is actually just an accounting reconciliation had the policy ran full term and the full premium been paid. Below is a reconciliation of the premiums due for the shortened policy period, what the complainant actually paid and the resulting refunds,The insured made two installments for their Workers Compensation policy:4/14/2014 [redacted]6/16/2014 [redacted]Total $1,854No further payments were received prior to the cancellation. The annual premium for this policy was $3,706. Since the policy was cancelled, the prorated premium due for the policy was reduced to $1,732 (Premium/tax of $1,707 + late fee of $25). Since the insured paid $1,854 in the two installments, a credit was due of $122. In processing the revised cancellation date (originally cancelled 9/15/14 and revised to 9/5/14 when alternate coverage was secured), an error was made in the calculation of prior premiums billed resulting in a refund to the insured of $208. So in fact, the insured received a refund of $86 more than was due. At this point, we will leave the billing as issued,Mailing Address: [redacted].The Collection amount demanded by Mr. [redacted] and the collection agency were related to a different policy (general liability). These amounts have been cleared from the account and there should be no further contact from the collection firm. I trust this will satisfy the inquiry.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
This is simply "bad faith" and fraud on Cincinnati's part. Our General Liability covers both, all claims need to be paid out as contracted. Cincinnati is collecting fees and not providing the service that they are contracted for. Also, altering deductible prices on claims another indication of "bad faith" and fraud. What kind of company can operate like this?
Regards,
[redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
This customer has his Cincinnati Insurance Company policies set up to make payments through electronic funds transfer (EFT) through his bank accountThe insured has changed his EFT date several times, which alters when payments are receivedThe independent insurance agent writing the policies has
the right to refuse EFT changes in these types of situations where the payment due date has been changed several times previously.This insured called our company in March to complain that the agency would not change his EFT dateIt was explained to him at that time that the agency had a right to refuse this change, due to the multiple changes previously madeThe insured said he understood, and said he would have to seek coverage elsewhere.The current payments for the tenant & auto policies were due on 11-12-We tried to make the EFT, but the bank notified us on 11-17-that the account had been closedThese two non-sufficient funds (NSF) transactions generated an additional $NSF penalty due on each account.The insured called his independent agent on 11-14-advising he wanted to change coverage on his policyAs the premium payment due 11-12-had not been received, the agent informed the insured no changes could be made until the payment clearedOn 11-18-the non-sufficient funds cancellations were processed, generating a cancellation date of 12-1-On 11-23-the agent e- mailed the insured to let him know how much money was due, and what needed to be done to continue coverageOn 11-30-the agent e-mailed the insured again to let him know what needed to be done to continue coverageThe insured did not respond to either e-mail from his agent, and coverage cancelled 12-1-6.Both the home & tenant policies have been cancelled for non-payment of premium effective 12-1-Due to the poor pay history, these policies are not eligible for reinstatement.Please do not hesitate to contact me if you have any questions or concerns
The Cincinnati Insurance Company (CIC) is in receipt of Revdex.com complaint ***, submitted by *** ***CIC acknowledges this matter concerns a claim submitted by Ms***’ son *** *** on May 4, 2016, in relation to an accident involving a Honda Accord. On May 4, 2016, Mr
*** contacted CIC stating he had been involved in an auto accident while driving the vehicle in questionAlso on May 4, 2016, Field Claim Representative Mary Ann *** determined the Honda Accord driven by Mr*** had been deleted from Ms***’ Personal Auto policy on September 4, 2015. On May 10, 2016, Ms*** sent a letter to Ms*** advising there was no available coverage for the May 4, accident involving her son and the Honda AccordOn May 12, 2016, Ms*** contacted Ms*** advising no permission to contact CIC had been given to Mr***Further, Ms*** requested CIC’s file concerning the accident be closedThat same day, CIC’s file was closed and designated “No Claim Made”This matter will not be charged against Ms***’ policy. Copies of CIC’s May 10, letter and activity log are attached
Thank you for your responseAfter careful review, we stand behind our previous statement and decision not to reinstate this policy.Please do not hesitate to contact me if you have any questions or concerns.Thank you very much
The Cincinnati Insurance Company (CIC) acknowledges the June 17, 2015, customer concern *** regarding *** ***Please be advised, on July 7, 2015, this matter has been resolved amicably with *** ***
We recently received a customer complaint identified above and we appreciate the opportunity to respond, Our customer had a complaint regarding the issuance of a refund check for returned Premium owed, due to the cancellation of his homeowner's insurance policyOur records indicate a refund check
in the amount of $2,was sent to *** *** (mortgagee) after discovering the policy had been cancelledOn 8/25/15, a stop payment order was placed on the check, as it had not yet been cashed by the recipient (*** ***)Our billing department has since reissued a check to be sent directly to the insured with expedited shipping, We hope this will resolve any concerns surrounding this issue and regret any inconvenience this may have caused
The CincinnatiSpecialty Underwriters Insurance CompanyA subsidiary of the Cincinnati Insurance CompanySherri B***, AICAssociate Manager, CSU Claims October 17, 2017 *** ***Marketplace Resource ConsultantRevdex.comE 4th, Suite 600Cincinnati, Ohio
45202***@cincinnati.Revdex.com.orgRE: Revdex.com ID No.: *** Insurer The Cincinnati Speciality Underwriters Insurance Company Dear *** ***:The Cincinnati Specialty Underwriters Insurance Company ("CSU") is in receipt of the complaint made to the Revdex.com filed by a customer (the "policyholder") who alleges his claims for defective subcontractor workshould be covered by his insurance policy. The policyholder holds a Commercial General Liability ("CGL") policy with CSUThe purpose of thisGCL policy is to protect the policyholder against liability claims for bodily injury and property damagearising out of its premises, operations, products, and completed operationsThe CGL policy does notprovide coverage for defective work, which includes work or operations performed by the policyholder oron the policy holder's behlafThe referenced claim involves a situation where the work was completed bya subcontractor on the policyholder's behalf.The CGL policy, however, does provide coverage for property damage to the home resulting from thesubcontractor's work, subject to the required deductibleThus, CSU informed the policyholder that it wouldpay for the damage resulting from the subcontractor's work but not for the damaged work itself. Sincerely,Sheri ** B***, AICAssociate Manager --CSU Claims
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
The company has not contacted me in reference to this . Their statement is full of exaggeration and lies. Get my payment record, been late once before this issue in four years. I called days before my payment was due, because my car had broke down , blew head gasket , and was not going to be driving it, obviously, and was never offered the lower rested for times like this. I gave them 4 days notice and they had recently changed that policy, to 5 days to let them know. The agent with held information that could have lowered my rate and chose not to, then try to charge 50 extra because of the 4 day rule. So as you can see the Cincinnati Insurance Company and s not so ethical. Thank you, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted] Weather they reinstate it or not , I do not want that, what they will do is make it so my insurance now is not shown as defaulted. I took your advice and contacted the Michigan Insurance Agency. I am simply asking because of their negligence and greed that it is documented that it was in fact their fault the policy was A. Not renewed because the car was broke down and the lower rate was not offered, and B, them trying to steal $50 dollars on top of being irresponsible.
Complainant: [redacted] Insured: T[redacted] Claim No.: [redacted] Policy No.: [redacted] LoSS Date: 10/24/2016Dear Ms. [redacted]Thank you for your letter dated November 30, 2016 regarding [redacted]'s complaint. On December 8, 2016, The Cincinnati Insurance Company received...
your second notice of Mr. [redacted]'s complaint made with respect to the above referenced claim. At the time of the water loss [redacted] was a condominium owner of property located at [redacted].The Cincinnati Insurance Company provided a Commercial Package Policy form to [redacted] under policy number [redacted]. The effective dates of coverage began on April 10, 2016 and end on April 10, 2017. The insured location l[redacted]. The policy contains a blanket building coverage limit of $28,486,373.00 with a $1,000.00 deductible.The claim was received and assigned to Claims Representative, [redacted], on October 26, 2016 and contact was made with our insured representative and the condominium unit owner, Mr. [redacted], on the following day. Mr. [redacted] was not a direct insured of The Cincinnati Insurance Company. Mr. [redacted]'s sold the condo and Scheduled the closing within a few days of the loss, he proceeded with the sale of the property and was unable to provide access to the unit for Our inspection. We worked with Mr. [redacted]'s carrier to obtain information on the loss. Mr. [redacted] Submitted repair documentation. Prior to receipt of this complaint Weissued settlement payment of $2,170.00 less the $1,000.00 deductible to Mr. [redacted] for our insured's portion of the property damages.Mailing Address: [redacted] I Headquarters: [redacted] [redacted]This document is being produced at the request of the Revdex.com. The production of these documents is neither an expressed, nor implied waiver, of any of the privileges The Cincinnati Insurance Company may have associated with it.
February 4, 2015 [redacted]Durham, NC 27707 RE: Insured: [redacted]...
[redacted] Date of Loss: 5/15/14 Our Claim#: [redacted] Policy #: [redacted] Location: [redacted]Durham, NC Dear Ms. [redacted]: This letter is in follow-up to our conversations and emails regarding your concerns arising out of a claimfor storm related wind damage to your rental dwelling located at [redacted] In a prior email, we acknowledged your concerns and frustrations with the independent adjuster’shandling of your claim. This is certainly unfortunate and we trust we will be able to resolve your claim basedon the covered damages you incurred. As discussed, The Cincinnati Insurance Company agrees to pay you for your engineer’s report ($500), thechimney sweep’s inspection ($99), and the repairs to your driveway ($300)caused by the various contractors. These items total $899. Inaddition, we will pay for a change order submitted by [redacted] inthe amount of $2,050. Initially, thiswas declined as it appeared to be unrelated to the claim. Afterfurther review, we are giving you the benefit of doubt the damages could berelated to the wind storm. Please findenclosed a check in the amount of $2,949 for these supplemental items. Supplement claim driveway, engineer, chimney sweep 899.00 [redacted] 2,050.00 Total 2,949.00 You have mentioned in previous correspondence you feel you have been deceived. Our intent since receiving the claim has beento pay you for your covered damages and never one of deception. It is notuncommon for additional damage to be discovered during the claim adjustmentprocess. Unfortunately, your policy does not provide coverage for your time to review estimates, etc. We,respectfully, must decline your request of $700. We appreciate you bringing this matter to our attention. If youhave any questions or concerns, please feel free to give me a call. Sincerely, [redacted], AICField Claims SuperintendentCincinnati Insurance Enclosures cc: Headquarters
6.21.17 Revdex.com received a phone message from consumer stating business is working with her to address complaint issue.
Please find attached our response to [redacted]'s complaint.Thank you,Brad S[redacted]Cincinnati Ins. Co.513-870-2136brad_s[redacted]@cinfin.com The Cincinnati The Cincinnati Insurance Company The Cincinnati Indemnity Company The Cincinnati Casualty Company Insurance Companies The Cincinnati...
Specialty Underwriters Insurance Company The Cincinnati Life Insurance CompanyBrad *. S[redacted], AIC, AISSecretaryRegional Manager, Casualty ClaimsFebruary 13, 2018 Sent Via E-Mail Only: [redacted]@cincinnati.Revdex.com.org Revdex.comAttn: [redacted]Marketplace Resource Consultant Subject: Our Name Insured: [redacted] Our Claim #: [redacted] Revdex.com ID#: [redacted] Dear [redacted];I am writing in response to your inquiry about the above Revdex.com complaint. I appreciate [redacted]would like to recover his deductible. We are trying to do that for him. Our records show ourclaim handler has been keeping [redacted] informed as to the status of this matter, mostrecently speaking with him over the phone on 1-12-2018. As background to this matter, [redacted] had his personal auto insurance with our company, to include collision and comprehensive coverage, at the time his parked and unoccupied vehicleslid down a hill and had to be extracted by a tow truck. The towing company used a cableattached to a tree to pull the vehicle out. In the process, the tree collapsed and fell onto [redacted]'s vehicle. [redacted] turned a claim in to us under his personal auto policy. We promptlyhonored the claim and issued payment to [redacted], less the deductible he elected to carryunder the policy. We believe the towing company was negligent in their actions and should reimburse ourcompany for the damages paid and [redacted] for his deductible. We are pursuing a subrogation claim against the towing company, which includes seeking from them [redacted]'sdeductible. [redacted] insures the towing company. They have been "investigating" this matterfor a considerable period of time. I understand they have now admitted their policyholder was atfault for this accident, but for some reason, they are unwilling to reimburse 100% of the damages. We are continuing our efforts to recover from [redacted] or their policyholder. [redacted]'s deductible will be reimbursed to him if/when we are successful in our subrogation effort.I appreciate [redacted]'s concern as to how long this is taking, but the delay is due to [redacted]'s refusal to honor the damages caused. Thank you for your time and assistance. Brad ** S[redacted]The Cincinnati Insurance Companies Mailing Address: P.O. Box 145496 Cincinnati, OH 45250-5496 Headquarters: 6200 S. Gilmore Road Fairfield, OH 45014-5141brad_s[redacted]@cinfin.com [redacted] Office
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
While I understand that Cincinnati insurance has failed to obtain their money from [redacted], that is no excuse to refuse to pqp the money I am contractually owed. Please send me my $500 immediately
Regards,
[redacted]
[A default letter is provided here which indicates your acceptance of the business's...
response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I found it unfortunate that this matter could not have been negotiated without involving the Revdex.com. Thanks for your assistance.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Regrettably Cincinnati Insurance Company does not want to step up an pay a legitimate claim. I am 63 years old, a veteran with severe health issues living on a fixed income. I pay insurance problems for protection against such disasters as the one that befell my property.The facts in this case are the same:1. I paid Cincinnati Insurance Company my premium to protect my property.2. My neighbor, a very nice young couple with children did the same by paying Cincinnati Insurance Company homeowner premiums also.3. How in the name of fairness to its policy owners it can deny a claim, and even Cincinnati Insurance Company does not dispute that there was substantial damage to my property, when both myself and my wonderful young neighbors the Cruthfields are covered by the same insurance company?The answer lies in the fact that I have a higher deductible and they told me I have to file a claim on my policy even though the neighbors tree caused damage to the power lines and ripped parts of my roof off. Already the roof has started leaking. Cincinnati Insurance answer it was an "Act of God" (Silly me.... I thought that was the reason we buy insurance)A very nice young fellow from Cincinnati Insurance called me trying to get me to drop this Revdex.com claim. I asked him what he felt was the right thing to do and he just said the claim was denied. He did, in fact, advise me to file a claim on my policy. When I told him I had a high deductible of $2500 he said I chose the wrong amount. Asked him why his company would not pay the claim on the Crutchfield's policy with Cincinnati he refused to answer only saying there was no negligence involved. I then asked him if I filed on my policy what would happen. He said if the claim was approved, less the $2500 deductible then I might get a little money but my properties "Loss Report" would make my insurance premiums go up and he would not rule out cancelation of the policy in the future. My own insurance agent who is one of the best in town advised me the same. Also noted that all the insurance companies share the information.In the end I am the one holding the bag for this loss. Researching other complaints against Cincinnati Insurance, like on the "Rip Off Report"I can see that I am not alone.Shame on this company for not paying this claim. I now have to pursue it with the North Carolina Insurance Commissioner. Sure hope I live long enough to see justice in this case. Looks like corporate profits trump moral obligation.
"Bad faith" is the basis of this complaint. We are paying premiums for general liability insurance, and when we have presented legitimate claims, they have been denied. Cincinnati's own team has even tried to change the reasoning of why they were denied, in addition to trying to pass a deductible on to us when there should be no deductible placed from damages from other parties.
I am writing in response to your inquiry about the above Revdex.com complaint. This matter involves a tree limb that fell in a windstorm on property insured by our company. When the limb fell, it pulled down a utility line that was connected to a neighboring property owned by the claimant/complainant. The...
claimant's building sustained damage from the wire being torn down.We conducted an investigation and found that prior to this loss there was no outward, visible indication the tree limb in question had any issues or may otherwise be prone to fall. As such, we declined liability on behalf of our insured property owner for the claimant's damages.Independent of the liability claim, it turned out the claimant also has their property insurance with our company. The damage sustained to their building is covered by their policy. Their policy does have a deductible of $2,500.00 that would be applicable to this loss.We take seriously our obligation under the insurance policy to protect our policyholder against liability claims. We conduct reasonable investigations and honor liability claims when warranted. In this case, liability for the claimant's damages did not rest with their neighbor, our policyholder, and our liability denial was proper.We also honor first-party claims made by a policyholder under their own policy, and we have done that in this present case for the claimant, under their CIC policy. That policy does have a deductible, as is commonplace with insurance policies, which the claimant selected when he purchased his insurance policy.Thank you for your time and assistance.[redacted]The Cincinnati Insurance Companies
The complainant did have commercial insurance policies with our company through 9/5/2014 at which time the coverage was cancelled and placed with another carrier. The premiums/refunds in question are in relation to the insureds Workers Compensation policy, I understand the confusion over the refund...
amounts as some of the documents being referenced (refund of $1,899) is actually just an accounting reconciliation had the policy ran full term and the full premium been paid. Below is a reconciliation of the premiums due for the shortened policy period, what the complainant actually paid and the resulting refunds,The insured made two installments for their Workers Compensation policy:4/14/2014 [redacted]6/16/2014 [redacted]Total $1,854No further payments were received prior to the cancellation. The annual premium for this policy was $3,706. Since the policy was cancelled, the prorated premium due for the policy was reduced to $1,732 (Premium/tax of $1,707 + late fee of $25). Since the insured paid $1,854 in the two installments, a credit was due of $122. In processing the revised cancellation date (originally cancelled 9/15/14 and revised to 9/5/14 when alternate coverage was secured), an error was made in the calculation of prior premiums billed resulting in a refund to the insured of $208. So in fact, the insured received a refund of $86 more than was due. At this point, we will leave the billing as issued,Mailing Address: [redacted].The Collection amount demanded by Mr. [redacted] and the collection agency were related to a different policy (general liability). These amounts have been cleared from the account and there should be no further contact from the collection firm. I trust this will satisfy the inquiry.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
This is simply "bad faith" and fraud on Cincinnati's part. Our General Liability covers both, all claims need to be paid out as contracted. Cincinnati is collecting fees and not providing the service that they are contracted for. Also, altering deductible prices on claims another indication of "bad faith" and fraud. What kind of company can operate like this?
Regards,
[redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]