Below are the responses sent to the client via [redacted].[redacted], I would like you to be aware that billing is not handled through our agency but rather than the insurance carrier. [redacted] has nothing to do with issuing your refund so you are able to find a new carrier at any time and the company will...
refund you any unused premium. [redacted] also has nothing to do with your inspection results and the change in premium on your [redacted] policy. He tried to dispute the square footage but could not overturn the inspectors determination because your house was a split-level rather than what he was told at the time of the application. Unfortunately, we can only do so much as agents and if we are given incorrect information and the company finds out otherwise, they will adjust your premium accordingly. I am sure [redacted] did his best to help in any way possible but could not get the results you wanted which is resulting in this poor review. What concerns me is that your accusations towards [redacted] when with simple math you can make perfect sense as to why you wouldn't get refunded that money. Your annual premium/payment was initially $794 and increased by $171 because of square footage which was never paid. I am certain he would not have told you would be getting a $250 refund considering your policy was in effect for 10 months of a 12 month period (84% of your policy period) leaving [redacted] with 2 months of unearned premium prior to the rate adjustment. 2 of 12 months or 16% of the paid $794 premium is $127. Now take 84% your premium adjustment of $171 (that was never paid) into consideration which is $12.30 more than that 16% of unused premium you paid. (.84 x $171) - (.16 x $794) = $20 due For the sake of keeping this as simple as possible I have rounded up which is why my math comes out slightly higher than the $12.30 bill that was issued. The refund that would have been issued was applied to the balance that was due to [redacted] which must be the misunderstanding. I really hope this help you understand why you were issued a bill and that [redacted] did nothing to but try to help you. I would be willing to go over this in as much detail as possible if you would like to call us directly at [redacted]. ________________________________________________________________________________...⇄ Hi [redacted], Home inspections are required by most insurance companies and are completed by a third party inspection company. Unfortunately at the time of the application you indicated that your property was a ranch style home when in reality it was a split-level. These two styles of homes are rated very differently and even though it is unfinished living space, [redacted] needs to include that square footage to ensure you are properly insured for the cost of materials and reconstruction in the event of a total loss. As agents, we have limited say in this inspection process and unless we are able to prove an error was made by the inspector, we are unable to overturn their determination. I assure you that [redacted] did not lie to you. You were dissatisfied with the inspection and [redacted]'s addition of the square footage to your policy so [redacted] offered to write a new policy with another carrier per your request. That homeowners policy was written as a split-level and is still active to this day. If you truly feel as mentioned in your review, why would you continue to do business with [redacted] or our agency? [redacted] made every effort to get any unused premium returned to you. Due to your policy increase from the square footage difference found by the inspector and considering your policy was in effect for over 10 months, any money that was to be returned was applied to the money you owed to [redacted] for the premium increase from the increased square footage. Pertaining to your auto insurance, [redacted] requires certain documents to be submitted as proof for prior insurance to qualify. If the sufficient documentation is not received in an adequate timeframe, your policy's premium may adjust. That is what occurred in your situation and we were not made aware of this until you contacted [redacted]. At that time, [redacted] became extremely involved and was able to correct your premium and the only reason there was an increase of $40 was due to a tenure issue with your prior insurance carrier. Regarding the stamp, I have spoke with [redacted] and that was an honest mistake. We have different stamps for different products and he accidentally used the wrong stamp on your RMV-1 form. I'm not sure what time you went to the RMV but we could have corrected the p[redacted]lem to get you back to the RMV that same day. If you had expressed your concern of taking off work to [redacted], I'm certain he would have made the second trip to the RMV for you to register the motorcycle and make up for his mistake.
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below.
This agency keeps making up excuses for their lack of professionalism. I was lied to on multiple occasions just for them to sell me a policy and then they are saying I gave them false information. When I signed up I told them my house was a raised ranch not a single story home. The 16+ times I had to call [redacted] / corporate / email [redacted] directly to figure out what was going on with my policy after [redacted] said it was all set each time. To the fact that [redacted] told me I was going to receive a refund for cancelling early and signing up for this new policy. There are so many times in which something went wrong that I have never experienced with another insurance company before.Like I have mentioned before I pay all my insurance policies in full at the beginning of the year. So that is why I noticed and did not pay these +$200 charges that magically appeared on each of my policies. I would hate to know how many other people they are screwing over that don't realize the additional charges because they pay month to month.
Regards,
[redacted]
Below are the responses sent to the client via [redacted].[redacted], I would like you to be aware that billing is not handled through our agency but rather than the insurance carrier. [redacted] has nothing to do with issuing your refund so you are able to find a new carrier at any time and the company will...
refund you any unused premium. [redacted] also has nothing to do with your inspection results and the change in premium on your [redacted] policy. He tried to dispute the square footage but could not overturn the inspectors determination because your house was a split-level rather than what he was told at the time of the application. Unfortunately, we can only do so much as agents and if we are given incorrect information and the company finds out otherwise, they will adjust your premium accordingly. I am sure [redacted] did his best to help in any way possible but could not get the results you wanted which is resulting in this poor review. What concerns me is that your accusations towards [redacted] when with simple math you can make perfect sense as to why you wouldn't get refunded that money. Your annual premium/payment was initially $794 and increased by $171 because of square footage which was never paid. I am certain he would not have told you would be getting a $250 refund considering your policy was in effect for 10 months of a 12 month period (84% of your policy period) leaving [redacted] with 2 months of unearned premium prior to the rate adjustment. 2 of 12 months or 16% of the paid $794 premium is $127. Now take 84% your premium adjustment of $171 (that was never paid) into consideration which is $12.30 more than that 16% of unused premium you paid. (.84 x $171) - (.16 x $794) = $20 due For the sake of keeping this as simple as possible I have rounded up which is why my math comes out slightly higher than the $12.30 bill that was issued. The refund that would have been issued was applied to the balance that was due to [redacted] which must be the misunderstanding. I really hope this help you understand why you were issued a bill and that [redacted] did nothing to but try to help you. I would be willing to go over this in as much detail as possible if you would like to call us directly at [redacted]. ________________________________________________________________________________...⇄ Hi [redacted], Home inspections are required by most insurance companies and are completed by a third party inspection company. Unfortunately at the time of the application you indicated that your property was a ranch style home when in reality it was a split-level. These two styles of homes are rated very differently and even though it is unfinished living space, [redacted] needs to include that square footage to ensure you are properly insured for the cost of materials and reconstruction in the event of a total loss. As agents, we have limited say in this inspection process and unless we are able to prove an error was made by the inspector, we are unable to overturn their determination. I assure you that [redacted] did not lie to you. You were dissatisfied with the inspection and [redacted]'s addition of the square footage to your policy so [redacted] offered to write a new policy with another carrier per your request. That homeowners policy was written as a split-level and is still active to this day. If you truly feel as mentioned in your review, why would you continue to do business with [redacted] or our agency? [redacted] made every effort to get any unused premium returned to you. Due to your policy increase from the square footage difference found by the inspector and considering your policy was in effect for over 10 months, any money that was to be returned was applied to the money you owed to [redacted] for the premium increase from the increased square footage. Pertaining to your auto insurance, [redacted] requires certain documents to be submitted as proof for prior insurance to qualify. If the sufficient documentation is not received in an adequate timeframe, your policy's premium may adjust. That is what occurred in your situation and we were not made aware of this until you contacted [redacted]. At that time, [redacted] became extremely involved and was able to correct your premium and the only reason there was an increase of $40 was due to a tenure issue with your prior insurance carrier. Regarding the stamp, I have spoke with [redacted] and that was an honest mistake. We have different stamps for different products and he accidentally used the wrong stamp on your RMV-1 form. I'm not sure what time you went to the RMV but we could have corrected the p[redacted]lem to get you back to the RMV that same day. If you had expressed your concern of taking off work to [redacted], I'm certain he would have made the second trip to the RMV for you to register the motorcycle and make up for his mistake.
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below.
This agency keeps making up excuses for their lack of professionalism. I was lied to on multiple occasions just for them to sell me a policy and then they are saying I gave them false information. When I signed up I told them my house was a raised ranch not a single story home. The 16+ times I had to call [redacted] / corporate / email [redacted] directly to figure out what was going on with my policy after [redacted] said it was all set each time. To the fact that [redacted] told me I was going to receive a refund for cancelling early and signing up for this new policy. There are so many times in which something went wrong that I have never experienced with another insurance company before.Like I have mentioned before I pay all my insurance policies in full at the beginning of the year. So that is why I noticed and did not pay these +$200 charges that magically appeared on each of my policies. I would hate to know how many other people they are screwing over that don't realize the additional charges because they pay month to month.
Regards,
[redacted]