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Insurance Offices, LTD

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Insurance Offices, LTD Reviews (4)

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I never received the Declarations document stating there was a policy issued.  I never knew a policy was issued.  The only documents I received were the contract to review and sign, which was never done.
Regards,
[redacted]

[redacted] was referred to us by a current high-value
client.  She was looking for insurance
for a property that was owned by her mother’s estate, but was in a lease /
purchase agreement.  The property was not
insured; the prior carrier was State Farm. 
She was concerned...

about the property not being insured.  We did this as an agency accommodation as there were no
opportunities for other lines of insurance. 
It was explained that information on the person buying the property was
needed as the policy would be in their name, with the Estate as an Additional
Insured. She called multiple times wondering about the status of the
quote.   In the meantime, the employee
handling this quotation left the agency.I took over the quotation and offered a proposal with
Foremost, fully explaining that the policy would be in [redacted]’ name (the
lease purchaser), with the Estate of [redacted] as additional insured
because they are the deeded owner.  We
were speaking with [redacted] (the daughter of the [redacted]) as there was a language
barrier with [redacted].  The only time
I spoke with [redacted] was to get his date of birth and social security number; he
was fully aware of what was happening. [redacted] acted as the interpreter and
representative of both her mother’s Estate and [redacted] (purchaser of her Mother’s
property).  She had instructed all
billings go to her to ensure premiums were paid and coverage remained in
effect.During the process, [redacted] had called several times with
concerns that the property was uninsured.   
Once all of the information was obtained and a quote was provided, she
verbally gave me permission to issue the policy on September 4th with intent of returning all signed documents within the next few days. We
instructed Foremost to bind coverage on the 4th of September.  An application was mailed directly to [redacted],
who again as the representative of the deeded owner of the property in a lease
to purchase agreement with [redacted], indicated she would obtain [redacted]’s
signature.  Foremost issued the policy on
September 5th, with copies mailed directly to both [redacted] and
[redacted].  All parties would’ve received
their hard copies by the 11th of September at the latest.  As instructed, a bill was sent under separate
cover to the additional interest, Estate of [redacted].  At this point there was no contact from
[redacted] concerning the policy issuance or premium.  Foremost conducted an inspection of the
property between the 5th and the 18th of September and
issued a notice of cancellation because of specific physical property
conditions.  The cancellation notice
issued on September 18th gave ample time to address the “physical
conditions”, as a result of the inspection, as the notice indicated the policy
would cancel October 23rd.  [redacted] called
shortly after receiving the cancellation notice stating she never requested
coverage. I told her she in fact requested I put coverage in effect over the
phone and that she could repair the recommendations requested within the time
frame and coverage would continue to remain in force.  Since she requested  all invoices be mailed to the Estate, payment
of the premium including unearned premium would be the responsibility of the
estate.[redacted] had multiple opportunities to indicate she did not
want the policy: when the application was mailed and received by her; when the
policy was received; and when the bill was received. It was only when the
cancellation notice due to the physical conditions of the property did she
decide she did not want the policy. As such, time had lapsed where coverage was
in effect.  Simply put, had a claim
occurred during that time, without a doubt, [redacted] would have wanted the claim
to be paid.  Inasmuch as she would’ve
wanted that claim be paid, there is an earned premium from the date coverage
was bound until the policy was cancelled for non-compliance of the
recommendations that needed to be completed.

See attached document.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:  Most of the response is correct, except the part where I verbally agreed to the policy.  When I was given the quote I requested the contract be sent to me for review, stating I would talk to [redacted].  My response to the cancellation notice and billing for the few weeks they are charging was due to the fact that I did not know there was a policy in place until I received the cancellation notice.  If something had happened to the home within that time period there would not have been a claim because I did not know there was a policy in place.  All my previous interactions with any businesses was that nothing was finalized until all paperwork is signed.  I have never dealt with a company that did anything until a contract was signed, which is why I am contesting this billing.
Regards,
[redacted]

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Address: 5445 Pottsville Pike, Leesport, Pennsylvania, United States, 19533-8633

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