Kemptons Quality Pools & Spas

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to mePlease find attached the document of replacement policy which is effective on Aug24, with American Strategic Insurance, as required by Erie Insurance for their decision.Thanks again for the efforts in resolving this issue for meAlso I would like to thank Erie Insurance for their quick response.Looking for forward to Erie's resolution (credit $back to my account) as they stated in their letter
Regards,
*** **

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. Erie's decision was based on their own roof inspector and the decision of an engineering company which they employ. (Neither are Revdex.com rated). Erie did not consider the opinions from two separate roofing companies who provided us with photographs and analyses but instead labeled them as biased. Both of these roofing companies are highly rated by Revdex.com and I wouldn't believe you would just put your symbol on "ambulance chasers". I have to wonder why out of homes in our cul-de-sac, needing new roofs to date plus about a dozen more just in this subdivision to date that we have seen - when I removed inches of hail from my front porch, and high winds through out a wide area close to us loosened shingles and siding, damaging and loosening our shingles as well. There are at least roofing companies involved in these area roof replacements. Erie has paid for at least one replacement located a few doors from our house, same age and same original roof installer, same location, same storm.All houses in this cul-de-sac area are 10-years old and all had original installation of their roofs by the builder MI Homes, highly respected and highly rated.We have yearly paid Erie to insure our home and roof for the years of its existence. Now suddenly Erie refuses to cover the roof
Regards,
*** * *** ***

This is in response to your letter of July 4, 2018, which we received on July 5, Ms***’s request that ERIE cover 100% of the charges for the June 22, 2018, claim and subrogate against the at fault parties insurance carrier for recovery.According to our claim file, Ms***’s father,
*** ***, was the vehicle operator during the June 22, 2018, lossMr*** had permission to operate the vehicleERIE obtained a statement from Mr*** who states that the claimant’s vehicle came along side of him in the left hand lane and struck the vehicles driver’s side mirrorPer our claim notes, Ms*** is waiting for ERIE to obtain the claimants information and attempt to go through their insurance carrier for repairs to her vehicle.Ms*** is requesting in her complaint that ERIE pay the full amount for the damage to her vehicle without subtracting her deductibleUnfortunately, we have not yet received the police report for this loss, nor do we have any of the claimant’s informationTherefore, we are unable to waive her deductible at this time.Please see our policy language below:OUR PROMISE-Collision CoverageIf Collision Coverage is indicated on the “Declarations,” “we” will pay for “loss” to an “auto we insure” and its equipment caused by collision or upsetIf the “loss” is to an “owned auto we insure,” “we” will only pay if “you” purchased Collision Coverage for the “owned auto we insure.” “We” will pay for “loss” less the deductible shown on the “Declarations.”“We” will not subtract the deductible if the accident is between an “auto we insure” and another “auto:”1.insured by the Erie Insurance Group not insured by the Erie Insurance Group, if:athe “loss” to the “auto we insure” is greater than the deductible amountbthe owner of the other “auto” has been identified;cthe owner or operator of the other “auto” is solely liable for the “loss;” anddthere is adequate property damage liability insurance which protects anyone responsible for the “loss.”Regardless of fault, Ms*** is responsible for her $deductible at this timeIf ERIE finds that the other party also has ERIE Insurance, or if the other parties insurance carrier advises ERIE that they have accepted 100% liability, we will then be able to waive Ms***’s deductible.Ms*** does have the option to utilizer her policy and pay her $deductibleOnce ERIE receives the police report, as long as it corresponds with Mr***’s statement and places the other party 100% at fault, ERIE will attempt to subrogate the claimant’s insurance carrierIf the claimant does not have automobile insurance, ERIE will attempt to subrogate the claimant directly.We apologize to Ms*** and for the burden this has placed on herIf we can provide additional information or clarify any item, please do not hesitate to contact me at ###-###-####.Sincerely,Becca S*Executive Resolution ExaminerOffice of the PresidentEnclosures:c: Hallman Agency LLC, AA6005c: Leah M***,Pittsburgh Branch

This is in response to your letter of January 6, 2016, which we received on that same dayYou have asked that
we respond to a complaint filed by Mrs*** regarding ERIE’s decision to nonrenew her family’s Automobile
Insurance Policy effective March 7,
According to our records, Mrs
*** has been insured with Erie Insurance since (years)According to
our records, they have submitted a total of six claims totaling $13,We have collected premiums during
that same time period of $24,As you can see, the ***’s have paid more in premium than we have
paid in claimsHowever, our concern is with the recent deterioration of the overall loss history and driving record
of the ***’sThere have been three at fault accidents in the past three and a half years, as well as Trent
***’s record of two moving violations and a license suspensionEnclosed is a copy of the Notice of
Nonrenewal explaining this information to the ***’s
While this has been a difficult decision for the ERIE to make given the ***’s years with us, and we
certainly understand their frustration with receiving this notice, we believe their driving record has *** to
the point where we can no longer continue to provide their insurance protectionTherefore, we must standby the
nonrenewal effective March 7,
Mrs***, in her letter to your office, alleges that I was “unaccommodating” and was “highly insulting”
during our phone conversationI can assure you that is not true and I remained professional during our
conversationI tried to explain during our conversation the reasons why the ERIE did not want to reconsider our
positionMrs*** became angry and began berating Erie InsuranceThen, she requested to speak with our
president, which I refused as I had already answered all her questions
If you have any additional questions, please do not hesitate to contact me at ###-###-####

AttaThis is in response to your letter dated and received December 14, 2015, regarding MrR***’s complaint related to the premium rate applied for the change of vehicles on his Erie Insurance Company Auto Policy and the cancelation of the R***’s Erie Insurance Company ErieSecure H*** Policy.We
have taken this opportunity to review the R***’s auto policy and find that effective October 12, 2015, Mrand MrsR*** transferred vehicles on their Erie Insurance Company Auto PolicyAt the time of the quoted premium for the newly acquired vehicle, the quote did not consider the current rates being applied as of the effective date of the changeThe quoted premium is an estimated premium and is subject o adjustment based on ERIE’S filed rating planERIE is required to apply the filed rates applicable as of the effective date of amendments to the policy when processed.ERIE is in receipt of the Riegle’s request to cancel their Erie Insurance Company ErieSecure H*** Policy and we are currently processing their request effective November 12, 2015,If you should need any additional information regarding the above, please feel free to contact me directly at ###-###-####.Sincerely,Gretchen ** T***, AINS, AIS, CPIW Executive Assistant II Office of the President

Thank you for your letter of January 23, which we received in our office that same dateYou request ERIE review and respond to the insured’s concerns regarding their request to cancel this policy and remove from collections.Upon receipt of your letter to our office, ERIE reviewed this
account to find that an insurance application was submitted by the insured’s representing agentERIE further confirmed the application on file did not contain a required signatureBased on this informationERIE agrees to cancel this policy flat and remove the insured from the collections process.We believe this response should adequately assist with closing your file, if you have any additional questions, please contact me directly at (*** ***.Sincerely,Stephen ** R*** Executive Assistant Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.2012!? I was and living with my parents! So what your saying is agents of Erie slip in extra coverages to trick young kids before they sign??? That is even worse!! I demand a copy of this paperwork for my records so I can show that Erie trucks young kids into extra coverages they do not need just so they can get a extra dime out of them!
Regards,
*** *** (***)

This is to confirm receipt of your letter dated March 9,received in our office March You requestERIE review and respond to the insured’s concerns that he did not receive a copy of the appraisal report for hisdamaged vehicle.Upon receipt of your letter, ERIE mailed a copy of the
requested appraisal report for the claim occurring January)30, 2016, to the attention of Mr***Our records indicate that ERIE mailed a copy of the appraisal to Mr.*** on February 22, We apologize if Mr*** failed to receive that document or that it could have beenmisplaced.Thank you for providing ERIE the opportunity to review the claimant’s concerns and provide a copy of theappraisal to our insuredIf you have any additional questions or concerns, please contact our office at ***
***Sincerely,~-~ar~r4.Stephen ** R*** Sr., ACS, AINS, AIS, AU, CICExecutive Assistant IIOffice of the President

Dear Ms***:This is in response to your letter dated November 22, 2017, which we received on the same date.In reviewing the customer’s Complaint to your office, we offer the following informationMs*** was involved in an accident under her ERIE Automobile Policy on September 2, 2017, and
she was found at fault for the incident According to our file information, she submitted no damages to her vehicleWe are in the process of settling the damages with the claimant that was struck by Ms*** in that accident.However, the complaint also includes an issue with car registration, in which ERIE was not involvedShe states that her car was reported junked from the accidentHowever, ERIE did not total her vehicle, nor did we provide any Collision coverage as she did not have Collision coverage on her policyIf the vehicle is reported as totaled, it may have been from a prior incident before she was insured with ERIEThe inception date of ERIE’S policy was February 23, 2017.With regard to the Complaint that the adjuster was ignoring her phone calls, the file information reflects several messages left for *** *** during the claims processWe regret that she is unhappy with the service that she received.We trust this is the information you are seekingIf further information is needed, you may contact me at *** ***.Sincerely,Denise H***, API, AIS, AINS, CPIWSrExecutive Resolution ExaminerOffice of the President

Dear Ms***:Thank you for your letter dated January 1, 2018, received in our office on January 2, You request ERIE review and respond to the insured’s concerns cancellation of her homeowner’s insurance policy as she obtained replacement coverage with another insurance carrier.Upon receipt
of your letter to our office, we contacted the insured’s representing ERIE Agent who confirmed at no time did their office receive a written request to cancel the above captioned policyERIE will consider backdating the cancellation of this policy in the event Ms*** is willing to provide proof of replacement coverage from another insurance carrier.We believe we have provided the information to assist with your investigation into the insured’s concernsIf you require additional information clarity, please contact our office at ***, extension ***.Sincerely,Stephen *R*** Sr., ACS, AINS, AIS, AU, CICSenior Executive Resolution ExaminerOffice of the President

This is in response to your letter dated June 20, 2017, which we received on the same date.According to our information, this Automobile Policy renewed effective December 17, The yearlypremium was $and the customer selected the pay in full option in which the entire premium is paid on
orbefore the effective date of the renewalNo payment was received; therefore, the payment plan reverted to PlanD, in which the yearly premium is divided into four quarterly installments, adding a $service charge to thefinal three paymentsA new invoice was sent dated January 27, requesting $A second invoice wasmailed February 24, requesting $be paid as the December and March installments were now dueNopayment was received, therefore a Notice of Cancellation issued March 23, indicating the policy wouldcancel for nonpayment of premium effective April 24, unless $was paid by that dateNo paymentwas received, therefore the policy canceled as indicated in the noticeA final Notice of Policy Balance wasmailed to the customer dated May 31, indicating that an earned premium balance of $remains due forthe time coverage was in effect from December 17, to April 24, All Notices were mailed to the lastknown address for the customer, *** *** *** *** *** ***.It is extremely regrettable that the customer is now deceased and that the policy has cancelled, however, given theinformation above, it appears that the cancellation was proper and in keeping with our proceduresCoverage wasin full effect on the vehicle until the cancellation date of April 24, No payment was made for the fourmonths of that coverage, therefore no adjustment can be made to the payment that is due.Thank you for the opportunity to respond to this inquiryIf further information is needed, you may contact me at###-###-####.Sincerely,Denise H***, API AIS, AINS, CPIWExecutive Assistant IIOffice of the President

Dear Ms***:Thank you for your letter dated December 17, 2017, received in our office on December 18, You request ERIE review and respond to our concerns regarding the automatic renewal of their ERIESecure Rental and Special Property Insurance Policy effective August 24, 2017.In review of
our file, the following chain of events occurred:ERIE mailed a Continuation Notice to the insured on July 1, 2017, indicating the above captioned policy was automatically renewing for the policy period of August 24, to August 24, The Continuous Policy Condition located in the policy jacket, and shown below, clearly outlines that ERIE’s policies automatically renewIt also provides the policyholder’s responsibilities show they choose not ton continue their ERIE policy:CONTINUOUS POLICYThis policy is a continuous policyIt will continue in force until cancelled by “you” or terminated by “us” as explained in the CANCELLATION AND NONRENEWAL conditionEach year “we” will send “you” a “Declarations” that shows the premium due for the next policy periodIn return for this service, “you” must mail “us” written notice prior to the new policy period if “you” want to cancelIf “we” do not receive this notice, this policy remains in force and “you” must pay “us” the earned premium due for this time.ERIE would be willing to consider backdate cancelling this policy of insurance in the event the insured would be willing to provide proof of replacement coverage with another insurance carrierWe would encourage the insured to contact our office or their representing ERIE Agent for any further consideration of crediting this account.We believe the information provided should be helpful in assisting you with your fileIf additional information or clarification is required, please contact our office at *** ***.Sincerely,Stephen ** R*** **., ACS, AINS, AIS, AU, CIC Senior Executive Resolution Examiner Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.The response from Erie clarified the dates and situation and also recapped our conversations about the issue. I have not set up a payment plan because I would like to have more detail as to why the error took so long to catch. As the letter stated, I've been a loyal customer for yearsI trusted that the insurance company would not have issued a refund if it wasn't due to me because they would have a checks and balances to ensure payments were credited properly to each homeowners' account, especially before a year's lapse in time. The insurance company should assume the responsibility for their mistake. There have been similar cases where the court stated in absence of fraud, when a refund is issued by a insurance company and then is determined it was paid in error is not the responsibility of the insured to repay. Regards,
*** ***

This is in response to your letter dated and received July regarding Mr***complaint filed with your office related to the cancellation of his Erie Insurance Company AutoPolicy effective June for non-payment of premium.In reviewing our records we find that the *** policy
originated August Coveragehas been provided annually to the most recent renewal effective August On July 30,2016, ERIE issued and mailed the *** renewal policyOn August 8,a billing invoicewas mailed requesting payment in full by August The payment plan was amended anda billing invoice was mailed September 8,2016, requesting a payment of $by September29, On October 10, 2016, a billing invoice was mailed requesting a payment of $316.75by October 31, 2016.On November 1,2016, a cancellation notice was issued and mailed advising of a cancellationeffective December 3, 2016, for non-payment of premiumThe notice requested a minimumpayment of $due by December 3,2016, to avoid cancellationOn December 6,2016, arescind notice was issued and mailed acknowledging receipt of the insured’s payment of $.00on December 5,2016, and the rescission of the cancellation.On December 8,2016, a billing invoice was issued and mailed requesting a payment of $313.50by December 29, On January 9,2017, a billing invoice was issued and mailed requestinga payment of $by January 30, 2017.On February 1, 2017, a cancellation notice was issued and mailed advising of a cancellationeffective March 5,2017, for non-payment of premiumThe notice requested a minimumpayment of $due by March 5,to avoid cancellation.On March 2,an amended policy was issued and mailed to the *** confirming a changerequested to the policy.On March a rescind notice was issued and mailed acknowledging receipt of theinsured’s payment in the amount of $on March 3,and rescinding the cancellation.On March a billing invoice was issued and mailed requesting a payment of $byMarch On April 10, a billing invoice was mailed requesting a payment of$by May 1.2017.On May a cancellation notice was issued and mailed advising of a cancellation effectiveJune 3,due to non-payment of premiumThe notice requested a minimum payment of$by June 3,2017, to avoid cancellation.No payment was received and the policy cancelled effective June On June afinal statement was issued and mailed confirming the cancellation effective June 3,andincluding billing for $representing the remaining earned premium due for coverageprovided up to June 3.2017.Mr*** contacted ERIE on July regarding the cancellation of his policy1-Ic wasadvised that the policy was canceled effective June 3,2017, and the policy would not bereinstatedMr*** contacted ERIE again on July 18, 2017, and was again advised that thepolic) would remain canceledMr*** requested copies of all correspondence mailed fromMarch of to June of ERIE mailed the requested correspondence to the *** onJuly by certified mail.Based on the above, we believe our action to be appropriate and look for your support in thismatterIf you should need any additional information, please feel free to contact me directly at*** ***Sincerely, Gretchen AT***, AINS, AlS, CPIWExecutive Assistant IIOffice of the President

AttaThis is in response to your letter dated and received December 14, 2015, regarding MrR***’s complaint related to the premium rate applied for the change of vehicles on his Erie Insurance Company Auto Policy and the cancelation of the R***’s Erie Insurance Company ErieSecure H*** Policy.We
have taken this opportunity to review the R***’s auto policy and find that effective October 12, 2015, Mrand MrsR*** transferred vehicles on their Erie Insurance Company Auto PolicyAt the time of the quoted premium for the newly acquired vehicle, the quote did not consider the current rates being applied as of the effective date of the changeThe quoted premium is an estimated premium and is subject o adjustment based on ERIE’S filed rating planERIE is required to apply the filed rates applicable as of the effective date of amendments to the policy when processed.ERIE is in receipt of the Riegle’s request to cancel their Erie Insurance Company ErieSecure H*** Policy and we are currently processing their request effective November 12, 2015,If you should need any additional information regarding the above, please feel free to contact me directly at ###-###-####.Sincerely,Gretchen ** T***, AINS, AIS, CPIW Executive Assistant II Office of the President

January 16, 2018*** ***The Revdex.comHoliday Drive, Suite 220Pittsburgh, PA *** *** *** *** ***
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*** *** Revdex.com File #:*** Dear Ms***:This is in response to your letter of January 8, 2018, received in our office on January 8, You request ERIE review and respond to Ms***’s concerns regarding the above captioned claim.We also received your letter dated January 15, which we received in our office on January This letter indicated that the complainant’s issues were resolvedWe had already submitted a request with our claims team to further review this complaint and provided is their formal response.ERIE insured *** *** was involved in a four vehicle rear end collision on the outer loop of the Baltimore BeltwavMs*** was struck twice in the rear end and pushed into the vehicle in front of herOne of the vehicles to the rear of Ms*** was also insured with ERIE and the other was reported to be insured with MAIFThe above captioned claim number, ***, is the claim presented under Ms***’s policyThe damages to her vehicle were paid under this claim, however Ms***’s policy does not carry coverage for a rental vehicle or diminished value, so these elements of her claim could not be paid under her policy.Under Claim ***, Ms*** presented a third party claim under the policy for ERIE insured *** *** *** ***Mrs*** was one of the responsible tort-feasors in this accidentAfter much communication with MAIF, the other responsible tort-feasor has been determined to be uninsuredOn January 10, 2018, ERIE issued a check to Ms*** in reimbursement of her rental costs in the amount of $1,Also on January 10, ERIE issued a check in amount $2,to Ms*** in payment of the diminished value of her Toyota 4runner.We greatly appreciate the opportunity to respond to your additional inquiries and hope the information provided assists you in your responseIf you should need any additional information regarding this matter, please feel free to contact me at ***.Sincerely,Nicholas K***Executive Resolution ExaminerOffice of the President*** *** *** *** ***
*** *** *** *** *** ***
*** *** ** * *** *** ***

Dear Ms***:Thank you for your letter dated January 18, and received in our office January 18, You request ERIE to review and respond to the insured’s concerns regarding her estimated replacement coverage on her ErieSecure Home Policy.According to our file information Ms***’s
was first written effective February 11, with the *** *** * *** *** agencyThe policy was written with an estimated replacement cost of $267,On January 18, 2017, Hometown Insurance and Real Estate Agency reduced the estimated replacement coverage to $205,This resulted in a $reduction in premium for the to term and $for the entire - term.Effective June 1, 2017, Ms***s requested that her policy be transferred to the *** *** AgencyBoth agents agreed to the transfer and Erie processed the changeDuring the new agent’s review with Ms***s, she questioned why the estimated replacement cost had been reduced to $205,from $267,During this review the agent spent approximately hours going over all of her property’s coverages.In an effort to determine why the estimated replacement cost was reduced we reached out to Ms***’s former agent, *** *** * *** ***, to discuss the application and changes that took place on the policyThe agency principal advised that the agent who wrote this policy no longer works for that agency and cannot confirm what took place and advised there is no written documentation of the changes requested or performed.As far as current policy with *** *** Agency, we have spoken with agency principal and discussed what has taken place since he has took over this policyWe agreed that the agency will perform a New Home Cost Estimator and amend the estimated replacement cost for the insuredI have obtained the new Home Cost Estimator from the agency *** *** AgencyThe new Home Cost Estimator lists $242,The agency will speak with the insured only by via e-mail to confirm if and any changes need to be done.As of Thursday, January 18, 2018, the agency has e-mailed Ms***s regarding the coverage amount and what she would like to do with her replacement costAs of January 19, 2018, the agency is still awaiting her response.The type of policy that Ms***s has is a guaranteed replacement cost policyThe estimated replacement cost is based on the Home Cost Estimator as what it would cost to rebuild the homeThe estimator cost is listed on the policy, but that is not the amount that is guaranteedThe guaranteed amount would be based upon what the replacement cost is.Based on the inflation guard which is outlined in her policy, the estimated replacement guard will slightly increase annuallyIf Ms***s prefers to go higher she would need to review that with her agent and need to be confirmed in writing.If you have any further questions, please contact me at *** ***.Sincerely,Nicholas K*** Executive Resolution ExaminerOffice of the President

Dear Ms***:Thank you for your letter dated January 23, 2018, received in our office that same dateIn follow up of our two (2) prior responses to your office, Ms*** is now stating that she never signed up for a tenant insurance policy with ERIE.Our records confirm that the insured bound coverage effective the policy inception date of September 14, ERIE maintains on file a copy of the signed application of insuranceMs*** signed the application on September 13, Ms*** selected the account billing option, and has made all premium payments for each renewing policy with the last payment sent to ERIE on February 16, 2017.ERIE stands by our current decision to cancel the above-captioned policy effective November 19, 2017, for non-payment of premiumERIE maintains the insured at no time provided ERIE Agent advanced written request to cancel the above captioned policyAny earned premium owed will remain dueBelow you will find the policy condition applicable to the insured’s concerns:(2) CANCELLATION Your Right to CancelYou may cancel this policy by mailing or delivering to our Agent or us written notice stating at what future date you want the cancellation to take effectWe may waive these requirements by confirming the date of cancellation to you in writing.We believe we have provided the information to assist with your investigation into the insured’s concernsIf you require additional information clarity, please contact our office at ***, extension ***.Sincerely, Stephen ** R*** Sr., ACS, AINS, AIS, AU, CICSenior Executive Resolution Examiner Office of the President

This letter is in response to your correspondence, dated and received on July 31, 2017, regarding a complaint made by *** ***The accident occurred on June 18, when our insured *** *** pulled from a stop sign on Oliver Road in Erie, PA and collided with the complainant *** ***.We contacted MsPetraca on June 20, and she chose *** *** to complete her repairs*** *** estimated the length of her repair time to be days and we arranged an Enterprise rental car for her on June 20, for daysMs***’s vehicle repair was completed on June 30, *** *** advised us that they had left several phone messages for Ms*** with no responseMs*** picked up her vehicle on July 5, and returned her rental vehicleMs*** provided her *** Cell phone records which clearly show that *** *** did not attempt to contact her from the time that her vehicle repair was completed and the time she picked up the carTherefore, we contacted Ms*** on August 2, and agreed to pay the remaining balance of the rental bill which was $244.50.If we can provide your office with additional information or clarify any item, please do not hesitate to contact me at ###-###-####.Sincerely,Karen * M***, CPCU, AIM, AINS, AIS, CPIWSenior Executive AssistantOffice of the President

This letter is in response to your correspondence dated November and received in our office on December 2015, regarding a complaint made to your office by *** ***.Mr***' complaint concerns a collection letter lie received for earned premium on the above-referenced policy
Mr*** states he did not want his ERIE'S homeowner's policy to renew and obtained insurance from another carrierUnfortunately, ERIE was not aware that Mr*** had obtained other coverage until we received proof of other insurance: with Liberty Mutual on December 4, The policy was re-cancel!cd back to the renewal date of May ()and taken out of collectionsEnclosed it the Final Statement of Policy Balance, showing there is no outstanding balance of premium owed to ERIEWe believe that this should resolve Mr***' compiainl.If we can provide your office with additional information or clarify any item, please do not hesitate to contact me at ###-###-####.Sincerely.Karen * M***, CPCU, AIM, AIMS, AIS, CPIW Senior Executive Assistant Office of the President