K R P Insurance

Complaint: [redacted] I am rejecting this response because:Mi responsabilidad con ustedes fue hacer el pago correspondiente por un año de la póliza de mi casa, ahora su responsabilidad hacia mí es aceptar mi reclamo y dejar mi casa como estaba, si ustedes no recapacitan esto tendrá que salir a la luz, para evitar que abusen de mas personas como lo hacen conmigoSi no hacen algo al respecto me veré en la necesidad de acudir a Trouble Shooters, Telemundo, etc Regards, [redacted] ***

We would agree that the condition was caused by exposure to water that occurred over time, and do not disagree with Ford’s position on that, or the method of repair, but rather that the condition was created over time due to the lack of maintenance leading to mechanical breakdown Our position has not changedThis is not a covered loss We believe that water can damage the fuel system and cause pump failure but that water is inherent in diesel, and failure to properly maintenance the system can lead to this type of failure [redacted] DISTRICT CLAIMS MANAGER T: [redacted]

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 meWe received the check today 6/17/ Thank you Regards, [redacted] ***

Re: Complaint ID: [redacted] Subject: *** [redacted] Policy Number: [redacted] To Whom It May Concern: Your email to Texas Farm Bureau Insurance Companies regarding the above referenced complaint was forwarded to me for a response Our office received the request for cancellation from the local agent’s office The requested effective date was prior to the renewal effective date Because the current renewal premium had already been paid, the cancellation request had to be manually processed which caused the delay On April 28, 2016, the cancellation refund was mailed to the member, and it was cashed on May 10, I believe this matter has been resolved Please let me know if I can be of further assistance on this matter Thank you

Based on the response from the agent involved, it appears there was communication between the agent [redacted] and the client [redacted] concerning adding comp and collision coverage to her Pontiac It also appears that there were possible communication delays that the agent may have contributed to which is unfortunate, however, the agent never provided a quote for adding the coverage to the policy Without Ms [redacted] obtaining a quote, accepting the quote, paying for the additional coverage, or receiving a bill for the additional coverage I’m uncertain how Ms [redacted] could possibly have the expectation for coverage to be provided when coverage was never bound

Complaint: [redacted] I am rejecting this response because:My complaint was not based on the denial of my rental for the weekend I made the complaint on the poor customer service I received It wasn't until I was at [redacted] that Mrs [redacted] explained their procedure to the [redacted] employee who then told me The response to my complaint is proof alone that customer service is still not being executed since there has yet to be an apology and I have yet to hear from the supervisor directly Also, Ms [redacted] is still the claims representative I'm being forced to deal with,through emails since both the collision center and I are still unable to reach her by phone, in spite of the fact that I requested a new representative Regards, [redacted] ***

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]

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 meEven though I disagree with the fact that multiple voicemail's were left for [redacted] and he acknowledges that he only checks them once every 2-daysI have sent them my title and am awaiting a check for my truck, so it should be resolved shortly Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: On or about the date of initial complaint to current , the said insurance company and or companies have fell to send notice of said policy fees and etc Regards, [redacted] ***

Our investigation indicates this loss was caused by exposure to water that occurred over a period time, not a single event of flooding or introduction of contaminated fuel There is no evidence the last fuel purchased was contaminated nor has the fuel station had any complaints from customers Based on these findings, this loss was not caused by a covered event such as flood or contaminated fuel, but rather is result of mechanical failure and excluded from coverage in the auto policy Sincerely, [redacted] , State Physical Damage Manager

Complaint: [redacted] I am rejecting this response because:I am having trouble sending all the information detailing why I am rejecting the response I will send it directly to Laureal Williams email Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: The business is incorrect and they are lying to cover up their mistakes I am sending documents along with this response This will be the documents they sent to me when I asked why I was being cancelled Now, they are coming up with other excuses to cover up their first excusesAlong with their response to this claim, they are now saying that my daughter was in the first accident I asked Seth McDonald when she had her accident why she was not on my policy because she is a minor living with me and he told me at my home on a Saturday morning that she was not on the policy then, but she is now The business has their dates wrong, story wrong, and they need to get everything together that they sent me and they need to prove me wrong If we need to, we can meet in person to look further into this matter I am a small person and they are a large company and I feel that they are wrong and I will push this to the limit until they prove me wrong As of right now, I have all of the documents they sent me and they are at fault Regards, [redacted]

June 8, Revdex.com [redacted] **Austin, Tx ***Via Revdex.com website Re: ID #: [redacted] Subject: [redacted] Policy Number(s): Auto- [redacted] To Whom It May Concern: Your letter of June 5, to [redacted] regarding the above referenced complaint was forwarded to me for a response In response to correspondence received from Ms [redacted] , the policy in question has been reinstated back to its previous state, prior to the vehicle change Please let me know if I can be of further assistance in this matterSincerely, [redacted] Vice President, Policy Services cc: [redacted] cc: [redacted] ***

Complaint: [redacted] I am rejecting this response because once again Texas Farm Bureau is basing their claim denial on speculation Speculation made by employees that are compensated for denying claims They have now changed their reason for denying my claim (for the 4th time) to the damage being caused by exposure to water over time This truck is a and had 21,miles on it when this damage occurredThat's not a lot of time for the damage to occur (I also own a Ford Fdiesel with over 250,miles on it It has never had this problem.) Ford, the manufacturer of this truck and engine have stated that this damage is due to EXCESS water in the fuel Ford also stated that the fuel did not have to come from the immediate tank of fuel prior to the damage I just got back for a long trip (hours one way) so I had several tanks of fuel in the truck within a few days Texas Farm Bureau states that the last location where I fueled my truck did not have any other complaints about excess water in their fuel I work in the crude oil business, water in diesel fuel separates out A small amount of water in the station tank could exist and have been pumped in to my tank and there could have been no other customers get high amounts of water in their fuel I filled up at that station very early in the morning What if I was the first customer to buy diesel from that tank at the station that morning What if the all the water in the station fuel tank settled overnight and ended up in my truck Texas Farm Bureau likes to speculate, but only if it helps them deny claims Why not speculate in favor of the truck owner, because they get compensated to deny claimsTexas Farm Bureau continues to deny my claim by changing the reason they are denying my claim after I prove their speculation wrong with facts Their employees say don't bother suing in court because I cannot win due to the way the policy is worded They explained that bottom line Texas Farm Bureau can pay or not pay any claim based on whatever they feel like that day They have the ability to deny claims even if their reasoning is not supported by facts They pay their employees to deny claims Regards, [redacted] ***

Thank you for forwarding Mrs [redacted] ’s concerns and giving us an opportunity to address themSince the April 12th opening date of this complaint we have had email and phone communications with Mrs [redacted] I have attached several supporting documents With each six month renewal offer we provide the renewal declarations page as well as a copy of the Consumer Bill of Rights for Personal Automobile Insurance This information was provided following issuance of the policy and with each six month renewal Among many things, this document addresses refusal to renew as well as what action insurance companies can take regarding refusal to renew related to not-at-fault claims The document does not address at fault accidents as each insurer has their own requirements regarding at fault accidents Since January there have been three at fault accidents, one no fault, one towing, and there is currently an open other party at fault (no fault) claim Detailed list of claims experience is also attached to this email With three paid at fault accidents within months, we’re unable to offer renewal of the policy Please find attached renewal declaration with Consumer Bill of Rights from the November 2, renewal term, email communication with Mrs [redacted] through April 18, letter of experience sent to Mrs [redacted] , and as requested here, detailed report of payments made on current policy [redacted] and former policy [redacted] If we can be of further assistance in the matter, please let me know [redacted] CPCU, API REGIONAL UNDERWRITING MANAGER [redacted] P.OBox [redacted] Waco, TX 76702-

Ms. [redacted] , First of all, I would like to thank you for your submission. Without feedback from our valued members, we would not be able to better ourselves. I apologize for the lack of communication you experienced and will not only follow up with Mr. [redacted] but with my entire... team so that we can help prevent this from happening again. It is my understanding that, since this submission to the RevDex.com, your claim has been resolved. As it pertains to the total loss of your vehicle, since the costs of repairs would have exceeded the value of the vehicle, the vehicle was determined a total loss.Again, I apologize that you are not satisfied with the claims process, but I hope you understand why we had to total your vehicle. [redacted] District Claims Manager T [redacted] F [redacted] M [redacted] E [redacted] Richardson, TX 75080

Complaint: [redacted] I am rejecting this response due to the numerous misleading and false statements that Farm Bureau provided to BBB on 10/31 and 11/1. First of all, Farm Bureau incorrectly stated in their 10/31/2016 response that I reported the 12/17/2015 fire damaged JD 4430 tractor to Farm Bureau on 12/21/2015. This is a false statement since I did in fact report the fire damage JD 4430 tractor to my Farm Bureau agent on 12/17/2015, which was the same day that the fire damage occurred. In addition, I contacted my Farm Bureau agent again (see attached email) on 12/18/2015 since he failed to send me a follow-up email (per our 12/17/2015 phone conversation) regarding my JD 4430 claim. In addition, Farm Bureau admits that they did not consider as part of their valuation the “numerous” JD 4430 tractors that were not manufactured in 1977 AND that had greater values than those 1977 JD 4430 tractors that Farm Bureau allegedly identified. However, given the fact that JD 4430 tractors were manufactured only between the years 1973 and 1977, I find it very peculiar that the older/earlier (1973-1976) year model JD 4430 tractors were valued higher than the newer/late year (1977) model JD 4430 tractors. (Clearly, any reasonable person would quickly conclude that a newer/late model tractor should be worth in value at least equal to or greater than the older/earlier year model tractors IF in fact the newer/late year model tractors were of similar quality and condition to the older/earlier year model tractors). In addition, as Farm Bureau is aware, there is not an official bluebook value for agricultural tractors. Therefore, when determining the ‘actual cash value’ of my JD 4430 tractor, it is imperative that Farm Bureau fairly consider only those JD 4430 tractors that are similar in quality and condition to my tractor rather than selectively limiting their market analysis to lower quality 1977 JD 4430 tractors that were allegedly advertised at the time. However, importantly to note, it should be mentioned Farm Bureau refused to consider as part of their valuation the www.us.farm.com advertisement (see attachment) that I sent them of a 1977 JD 4430 tractor valued at $27,500. Bottom-line, at the end of the day, Farm Bureau only used one single online source (IRON SOLUTIONS) to determine the $17,593 value for my JD 4430 tractor rather than determining the ‘actual cash value’ of my JD 4430 tractor. Therefore, Farm Bureau’s statements that they completed a fair and accurate valuation of my JD 4430 tractor, as well as compensated me more than fairly are completely false. In addition, Farm Bureau stated that “they find no basis for the reopening of this file, some 9 months post loss, to renegotiate this claim.” Unfortunately, Farm Bureau chose to ignore my factual supported disputes regarding Farm Bureau’s valuation of my tractor, which were communicated on multiple occasions to Farm Bureau at the time of my claim, but Farm Bureau chose not to address them and issued an insufficient settlement check instead. Therefore, Farm Bureau’s decision to ignore the disputes I communicated to them 9-12 months ago does not and will not absolve Farm Bureau’s associated breach of contract. Regards, [redacted]

Complaint: ***
I am rejecting this response because: statements in regards to the way the claims were filed The algae concern was brought to our attention by *** *** that came to our home The first claim was closed by the first adjuster that TXFB sent to our home due to "lack of interest" This is not true I was texting with the adjuster and he was informed I was very ill Both children have been staying with other family members At this time both adults residing in the home are staying with other family members The ceiling turned black in between the time the first call was made to TXFB and today The neglect of concern and excessive days TXFB scheduled the second inspection has caused more problems than if the first findings would have been addressed.We have repeatedly requested a hotel room to be able to sleep safely and allow our family to reside together during this tragedy TXFB has ignored this request TXFB has been informed of all water coming through the ceiling and sent photos as soon as everything happens MOST IMPORTANTLY WE NEED A SAFE PLACE TO LAY OUR HEADS UNTIL THIS MATTER IS RESOLVED The ceiling turned black in between the time period of the claim being filed and TXFB sending out a third person for a fifth review of the home.I did inform TXFB that we had spoken to *** and *** but we had not retained an attorney at this time I also informed TXFB that speaking to an attorney is not anything towards the company It is only to protect the best interest and safety of our family We have been displaced from our home due to severe safety concerns We have had to separate our family which is a terrible tragedy alone We exhausted our emergency funds by spending over thirty days in a hotel per my initial discussion with ***.From the first phone call with *** I was told the hotel would be reimbursed It took an excess of two weeks for a FORENSIC *** specializing in foundations to inspect and report the algae concern As soon as the report was back from *** *** called to inform me that was a flood and we are not covered The flood concern is complete nonsense. Since day one TXFB has done any and everything they could to find a way to deny the work Every aspect of our safety has been compromised I feel certain that we will have to retain an attorney in the end but at this time we are not in a position to do so Our primary concern is our families safety Until we are in a safe place we cannot do much of anything besides eat, sleep and shower These things are hard to complete most days due to being displaced from the home.I firmly believe in the end everything will be ok and we will recover from this tragedy but at this time TXFB should not make things more difficult for us I am immediately requesting a hotel room so we have a safe place to stay until the home is safe to enter I am certain all parties will agree after reviewing the photos.
Regards,
*** And *** ***

In response to Revdex.com Complaint ID #***;
When the Insured submitted the original application for insurance , he elected to enroll in our Assurance Pay program which electronically transfers funds from a bank account to pay monthly premiums by signing the Enrollment Form dated November 21,
2014. The monthly premiums have been electronically drafted from Mr***’s account since the inception of the policy, November 21, 2014. On January 5, 2015, a Recurring Payment Schedule was mailed to the ***’s residence indicating the amounts and the dates of the upcoming drafts to be withdrawn from their account. When the policy was due to renew, another Recurring Payment Schedule was mailed dated April 27, 2015, and subsequent Schedules followed
When the Recurring Payment Schedule for the most recent renewal was mailed, April 27, 2016, the first installment due on May 28, 2016, is shown as $ Subsequent payments are displayed with each due date and the amount of $744.66, with the final installment due of $
The Declarations for the Policy Period Effective Dates of May 21, through November 21, 2016, was also mailed April 27, 2016. Accompanying the Declarations is the Consumer Bill of Rights Subpart Electronic Payments, states, ‘If you authorize your insurer to withdraw your premium payments directly from your financial institution, your insurer cannot increase the amount withdrawn unless: the insurer notifies you by U.Smail of the increase in premium at least days prior to its effective date; and you do not notify the insurer that you object to the increase in the amount or to be withdrawn at least five days prior to the increase.’ It continues with, ‘The notice provided by the insurer must include a toll-free number, a mailing address and an email address (if applicable), through which you can contact the insurer to object to the increase.’ Our Recurring Payment Schedule complies with the requirements set forth in the Consumer Bill of Rights
Respectfully,
*** ** ***, CPCUREGIONAL UNDERWRITING MANAGERT ***F ***M ***E ***Fish Pond RoadWaco, TX

We have reviewed the follcomplaint filed on behalf of Mrs*** *** requesting a check for the money owed to her due to the cancellation of the policy before the expiration date after reversing the outstanding balance on her policy on June 2, 2016. A refund check in the amount of $was mailed to the member on 06/03/ Thank you
Let me know if you have any questions or need additional details. Thanks!*** ** ***, CPCUREGIONAL UNDERWRITING MANAGERT ***