[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Attached is our response to complaint
American Modern Select Insurance CompanyThis is in response to Ms***’s additional questions received in our office onDecember 26, 2014.Theapplication from which Ms***’s policy was quoted and written as newbusiness effective January 9, 2014, stated the home was located on privateproperty that was located two miles from a fire department; therefore thepolicy was rated as “protected” with a rating factor of The definition of“protected” was a home located with five road miles of a responding firedepartmentThe revised filing now rates a manufactured home that is located onprivate property as “out of park” with a rating factor of The definitionof “out of park” is private property or mobile home park with less than 25spaces.Attached are the rate pageswith the above mentioned information from the previous filing and the mostrecently approved filing.If you should have anyadditional questions, please feel free to contact *** *** ** *** ** ** *** ** *** *** ***
September 15, 2016 Revdex.com Servicing Southern Ohio, Northern Kentucky, Southeast Indiana E4th, Suite 600 Cincinnati, OH 45202 Attn: Ms*** Complainant: *** *** Policy Number: 0770038031554 Our Claim Number: *** Company: American Modern Home
Insurance Your ID: *** Dear Ms*** Please allow this letter to serve as acknowledgement of receipt of your correspondence dated September 13, 2016, regarding the complaint filed with your office by our insured, Mr*** ***. I have reviewed the complaint by Mr***, who has alleged that our claim handling process has been “unprofessional.” Mr*** filed a claim with our office on 06/13/Our adjuster, Mr*** ***, made contact with Mr*** on that day and at that time explained what information was needed to process the claimMr*** then continued to follow up with Mr*** through phone calls and letters to obtain the necessary information over the next eight (8) weeks. The requested documentation was submitted to Mr***’s attention by Mr*** on August 15, 2016, which was reviewed and payment was issued on that date concluding the claimMr*** attempted to reach Mr*** by telephone to review the adjustment of the claim, but was unsuccessfulA letter was mailed to Mr*** outlining the disposition of his claimSubsequently, the letter was returned to our office recently as the address provided by Mr*** is outdatedWe have since mailed this letter again to the correct address recently provided by Mr***
[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 ***, and find that this resolution is satisfactory to me I'm still awaiting paymentsI would still like to keep the claim openI also have another Claim #*** in regards to receiving a $1,a monthfor the month of February, and March if I'm still unemployed I would really like to keep this complaint open due to the fact that nothing was going nowhere with this company until the Revdex.com got involved, now everyone is prompt and respectful I would like to keep it this way if that is possible until these matters are resolved Regards, *** *** Hi ***,Thank you for your assistance *** I have received the check this afternoon, and we can close the complaint I truly appreciate the assistance of the Revdex.com stepping in and getting this matter resolved promptly
See attached documentAmerican ModernMidland Boulevard Amelia, OH 45102-AMIG.COMFebruary 4, 2016Revdex.com Suite E4th Street, Cincinnati, OH 45202RE: File Number: ***Insured: *** *** Policy Number: *** Company: American Family Home Insurance
Company, NAIC Number: ***Dear *** ***:I am responding to your letter that was received in our office on February 1, 2016, regarding the above mentioned policy.American Family Home sent the renewal document on February 18, to *** ***, included was a bill due on March 25, The payment was not received on the due date and the policy cancelledWe received a payment on April 1, and the policy was reinstatedThe second time the policy cancelled for nonpayment was on June 24, We received a payment on June 26, and the policy was reinstated.It is our company guideline that if a policy cancels twice within the policy term it will not reinstate for a third timeOn December 22, the policy cancelled for the third time for nonpaymentWe received a payment on December 28, and the refund was send back to *** *** on January 13, 2016.If you should have any additional questions, please feel free to contact Mellisa A*** at [email protected] or by phone at ###-###-####.Sincerely,Achmed B***American Family Home Insurance Company
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
On April I went to the American Modern web sight and It clearly stated A 10% credit applies for membership in an approved car club There was no disclaimer All American Modern is trying to do is back pedalThat company should state what states get 5% and 10%Why should the consumer have to figure it out?
Regards,
*** ***
Attached is our response the complaint filed ** *** *** *** *** ***I am responding to your letter that was received in our office onDecember 17, 2014, regarding the above mentioned policy.The policy was written effective January 9, with a premiumamount of $On
December 5, American Modern Select mailed thepolicyholder the 2015-renewal reflecting a $premium.The premium increased at renewal because of astate wide rating increase that was approved by the Ohio Department ofInsurance filed under SERFF number AMMH-with a maximum impact of1.39% affecting renewal business starting August 18, Also the age of thehome increased the premium as the rating relativity increased from years ofage with a base rate relativity of to years of age, placing the home ina new rating bracket with a base rate relativity of The location status changedwith the property from protected to out of parkThis is due to a countrywiderating change and the mechanical breakdown coverage is no longer included inthe policy which increased the premium by $35.00Attachedwith this response is a policy rate comparison chart as well as a copy of themost recent filings.If you should have anyadditional questions, please feel free to contact *** *** at *** ** ** *** ** *** *** ***
See attached documentCincinnati Revdex.comWest 7th Street, Ste1600Cincinnati, OH 4520209/4/2015In Re: Revdex.com ID # *** Our Insured: *** *** (***) Policy Number: ***Company: American Southern Home Insurance Company Our Claim No: ***Dear ***
***:This correspondence is in response to a customer concern filed by our insured *** *** (***)Ourcustomer’s concerns are related to the indemnity determination and type of coverage she has for her home.Please note that we have reviewed our customers concerns and responded to *** *** in connection with herinsurance claimAs a part of our response, regarding the explanation of insurance benefits and determination ofdamages to her home, we will be conducting another inspection with *** *** and her Contractor present in orderto reach an agreeable settlement.We are unable to provide any additional claim details/information to the Revdex.com, since copies of our customers claimcorrespondence and insurance claim investigation work product are protected material under the Federal PrivacyAct.Sincerely,Tami S*Field Supervisor
Please find our response attachedThank youSeptember 18, 2015Revdex.comAttn: *** ***RE: Our Claim #: *** Loss Date: February 25, Your File #: ***Dear *** ***:I am writing in response to a request for reviewing additional information regarding the above referenced customer concern, which was received in our office on September 18, 2015.I have reviewed the letter forwarded by *** *** from Monty Tucker with Union Force MrTucker concluded the issues with *** ***’s windows are the result of dilapidation from water intrusion via wind driven rain As stated in our prior response, there is a specific exclusion in the policy that would exclude coverage for this damage, which reads as follows:• Loss or damage due and confined to leakage from rain, sleet or snow or its resulting damage whether or not wind drivenAs this is the case, I must respectfully maintain our coverage determination for the window damage being claimed by *** *** With regard to the possible hail damage on the roof, we affirmed in our prior response we are willingness to complete an additional inspection with *** *** and his contractor of choice to ensure no damage was missed during our initial inspection of the roof This offer remains intact Should *** *** wish to proceed in this matter, he may contact me directly so that we can coordinate the inspection.Please do not hesitate to contact us should you have any questions, concerns or any additional information for further consideration.Sincerely,Paul S*Claims Supervisor IIAmerican Family Home Insurance Company
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
The business American Modern Insurance Group has once again sent this claim in another circleThis is what they have done to me alreadyMy complaint point was that nowhere does the policy that I have been paying for state that a proof of ownership is required for the payment of items mentioned in my loss claimI refuse to be out $2K+ because the business is now requiring me to show proof of ownershipI filed another claim recently for a gas powered dirt bike that was stolen from my vehicle and American Modern Insurance Group did not request proof of ownership on that claimI don't understand this business practiceYou would think that as a paying client, who has never been late on one payment since joining their group, that I would have to settle for being unsatisfied
[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 ***, and find that this resolution is satisfactory to me.
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.Per consumer on 9-24-15, "She has written letters, to try to cancel insurance, and she has been told that only her agent can cancel, however, she has not been in contact with the agent for 1/yearsCan you please cancel the insurance."They sent someone else on September 3rdA person called and said that they was supposed to do another estimate on the home, second opinion, to review the damageHe was here by 8a.m., he did not tell me his name, and did not give me a card, he said American Modern sent me because I live a little closerSo, I brought him into the yard, he got on the roof, and he walked and never squatted down, he just walked and lookedHe never kneeled down and did not use flashlight to look at ridge capHe walked onlyI stayed out in plain sight of him the whole time he was thereWhen he came down off the roof, I will return my report in to the insurance company, and they will get back to you, but I don't know how long that will takeAnd then he left, and I don't remember exactly when, but it was a few days later, and the insurance company when I tried to call them the phone just keeps ringing they do not answer the call from my phone numberI think it was a day or two later that they called me backI kept trying to call them for two or three days, it was third or fourth day from when I started calling, the phone rang and guy said he was from American Modern, and he said your claim has been denied, I'm sorry, and he hung upThe appraiser did not give me a copy, he said that he would send it to the insurance companyI don't know the guy who came out here, he did not give me a card or his name.American Modern sent me something that said claim was denied one timeI called one time and I don't know who I spoke to about status of the claim for damage of trailerI said I was calling to check on a claim, I remember someone else answered the phone, trying to check on status, someone else came on the line, I said this is *** ***, and they immediately said claim has been denied and hung up the phone and did not give any explanation.I want American Modern to come out and fix thisI have mold and damaged carpet, and not a single drop of water has come in, no further damage to spot in ceiling, where water started dripping, but that's where the mold startsI am disappointed that after 1/years of having this insurance policy, and having only one another claim many years ago, and the fact that I have paid them as much money as I have for 1/years, that they should at least pay the required portion according to my insurance policy, and that policy was taken to an attorney for review, and that attorney sent the insurance company a letter, that they needed to pay the claim because it was covered damage.
Regards,
*** ***
***'s toll free number is *** and the case number with *** is ***, in previous letters given it states the dates that we have received the disputes and the dates funds were takenAmerican Modern received the charge back on 4-24-received notification from *** that *** *** disputed the money, so they went ahead and drafted it from our account $266, when they drafted it that authorization code was ***On the chargeback notification we can acknowledge they took it or dispute it on 4-26-17, we agreed and allowed that previous draft to remain effective. The entity and fund reference numbers is verification that the $was sweeped from American Modern Home Insurance Company's home account and they no longer have access to the funds. Entity number: ***Trans Reference/Fund Reference: ***A reference number listed on the merchant chargeback notice is: ***
Please find our response attachedThank you.October 5, 2015Revdex.comAttn: *** ***RE: Our Claim #: *** Loss Date: February 25, Your File #: ***Dear *** ***:I am writing in response to a request for review of additional information regarding the above referenced customer concern, which was received in our office on October 5, 2015.I have reviewed the response from *** *** In addition, I received a voicemail from *** *** over this past weekend confirming his acceptance of our offer to inspect his residence with his contractor present I left *** *** a message today confirming my receipt of his message, and that I will have our adjuster, Fred Terrell, contact him to coordinate a date and time for the inspection to take place Please do not hesitate to contact us should you have any questions, concerns or any additional information for further consideration.Sincerely,Paul S*Claims Supervisor IIAmerican Family Home Insurance Company
Please allow this letter to serve as acknowledgement of receipt of your correspondence dated September 13,2016, regarding the complaint filed with your office by our insured, Mr*** ***.I have reviewed the complaint by Mr***, who has alleged that our claim handling process has been“unprofessional.” Mr*** filed a claim with our office on 06/13/Our adjuster, Mr*** ***,made contact with Mr*** on that day and at that time explained what information was needed toprocess the claimMr*** then continued to follow up with Mr*** through phone calls and lettersto obtain the necessary information over the next eight (8) weeks.The requested documentation was submitted to Mr***’s attention by Mr*** on August 15, 2016,which was reviewed and payment was issued on that date concluding the claimMr*** attempted toreach Mr*** by telephone to review the adjustment of the claim, but was unsuccessfulA letter wasmailed to Mr*** outlining the disposition of his claimSubsequently, the letter was returned to ouroffice recently as the address provided by Mr*** is outdatedWe have since mailed this letter again tothe correct address recently provided by Mr***.Re***al response, October 10,2016:On September 15, 2016, the claim was reviewed again by Mr***’s Examiner, Ms*** ***At thattime, it was discovered that the incorrect payment amount was issuedWe immediately issued anotherpayment in the amount of $that was owed to Mr***Ms*** tried to contact Mr*** bytelephone, but was unsuccessful and left a voice mail message detailing the error and explaining the issuanceof the additional amountAdditionally, she requested that he contact her directly with any questions andprovided her contact informationRe***al response, October 17,2016:The Examiner on the file, *** ***, called Mr*** on October 11, and left a message explainingthat she was trying to get the claim resolved and needed to verify his address to send the payment for$Mr*** then spoke to Mr*** on October 12, and offered to resend the remainingpayment by Fed Ex to the correct addressThe payment was delivered to Mr*** on October 14, 2016.I trust that this matter has been addressed to your satisfactionHowever, should you have any questions orconcerns, please do not hesitate to contact our office.Sincerely,AMERICAN FAMILY HOME INSURANCEJ*** *** * *** ***
***
*** *** ***
*** ***
*** ***
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
I was out of park the beginning of when I moved into the home. It was never in a park, so that's a charge. And why are these new charges added when my home obviously had no changes.*** insurance quoted me at per month, so obviously its a bait and switch with the first years premium being reasonable and then slamming you with double the second year. at percent increase by the state it would only raise it by per month, not
Regards,
*** ***
RE: Named insured: Mr& Mrs*** *** *** *** *** *** *** *** Company: American Modern Select Insurance Please allow this letter to serve as acknowledgment or your correspondence dated October 31, 2016, regarding the complaint filed with your office by
our insured, Mr*** ***.I have reviewed the complaint filed by Mr*** regarding the insurance claim for the damages to his propertyOn August 29, 2016, Mr*** endured a storm in the area of his home, which resulted in water damage to the property insured by American Modern Select Insurance CompanyOn August 30, 2016, we received notice of this claim, and our records indicate that the adjuster attempted to reach Mr& Mrs*** on August 31, 2016, to discuss the loss and claim processThis attempt was unsuccessful and a voicemail message was left for them requesting a return call and a brief outline of the claims handling process and the need for a physical inspection of the damages being claimed by an independent adjusterAdditionally, the adjuster made contact with Mr*** ***, a reported family friend, who has allegedly occupied the home for past three to four years that the insureds have been away, and discussed the damages to the property resulting from this loss.The Complaint filed with your office references that messages were left for our adjuster, Mr*** ***, on the dates of September 6th, September 12th, September 19th, September 22nd, and September 26thBased on our records, the inspector who performed the physical inspection of the property made contact to Coordinate the physical inspection on September 5th, 2016, and a physical inspection of the property was conducted by the independent adjusting service, *** *** ***, on September 9th, 2016.On September 13th, 2016, the adjuster followed up with *** *** *** and attempted to reach Mror Mrs*** on that day, but was unsuccessful and again left a voicemail providing a verbal status of the claim at that timeAdditionally, our adjuster followed up on the status of the inspection results on September 20th, 2016.Please be advised that we received a full copy of the inspection results the next day on September and, within Seven (7) business days of receiving the inspection report, the adjuster reviewed and again made several attempts to contact Mr& Mrs*** by telephone to review the disposition of the claim and our coverage decisionHowever, he was unsuccessful again reaching only their voice mail.As a result, on September 26th, 2016, the adjuster left a detailed voicemail explaining our coverage decision based upon the findings during the physical inspection of the damagesAdditionally, our coverage decision was provided writing in a letter sent to Mr& Mrs***, which is dated September 25, and references the applicable language of the insurance policy upon which our Coverage decision was made.At this time, our file remains closed with no further action necessaryHowever, should we receive any additional information, which has not previously been provided and that may affect our coverage position, we would be pleased to review and consider.trust that this matter has been addressed to your satisfactionHowever, if I may be of further assistance or if you should need additional information, please contact me at *** *** *** ** *** ***.Respectfully Yours,American Modern Home Insurance Company
[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Attached is our response to complaint
American Modern Select Insurance CompanyThis is in response to Ms***’s additional questions received in our office onDecember 26, 2014.Theapplication from which Ms***’s policy was quoted and written as newbusiness effective January 9, 2014, stated the home was located on privateproperty that was located two miles from a fire department; therefore thepolicy was rated as “protected” with a rating factor of The definition of“protected” was a home located with five road miles of a responding firedepartmentThe revised filing now rates a manufactured home that is located onprivate property as “out of park” with a rating factor of The definitionof “out of park” is private property or mobile home park with less than 25spaces.Attached are the rate pageswith the above mentioned information from the previous filing and the mostrecently approved filing.If you should have anyadditional questions, please feel free to contact *** *** ** *** ** ** *** ** *** *** ***
September 15, 2016 Revdex.com Servicing Southern Ohio, Northern Kentucky, Southeast Indiana E4th, Suite 600 Cincinnati, OH 45202 Attn: Ms*** Complainant: *** *** Policy Number: 0770038031554 Our Claim Number: *** Company: American Modern Home
Insurance Your ID: *** Dear Ms*** Please allow this letter to serve as acknowledgement of receipt of your correspondence dated September 13, 2016, regarding the complaint filed with your office by our insured, Mr*** ***. I have reviewed the complaint by Mr***, who has alleged that our claim handling process has been “unprofessional.” Mr*** filed a claim with our office on 06/13/Our adjuster, Mr*** ***, made contact with Mr*** on that day and at that time explained what information was needed to process the claimMr*** then continued to follow up with Mr*** through phone calls and letters to obtain the necessary information over the next eight (8) weeks. The requested documentation was submitted to Mr***’s attention by Mr*** on August 15, 2016, which was reviewed and payment was issued on that date concluding the claimMr*** attempted to reach Mr*** by telephone to review the adjustment of the claim, but was unsuccessfulA letter was mailed to Mr*** outlining the disposition of his claimSubsequently, the letter was returned to our office recently as the address provided by Mr*** is outdatedWe have since mailed this letter again to the correct address recently provided by Mr***
[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 ***, and find that this resolution is satisfactory to me I'm still awaiting paymentsI would still like to keep the claim openI also have another Claim #*** in regards to receiving a $1,a monthfor the month of February, and March if I'm still unemployed I would really like to keep this complaint open due to the fact that nothing was going nowhere with this company until the Revdex.com got involved, now everyone is prompt and respectful I would like to keep it this way if that is possible until these matters are resolved Regards, *** *** Hi ***,Thank you for your assistance *** I have received the check this afternoon, and we can close the complaint I truly appreciate the assistance of the Revdex.com stepping in and getting this matter resolved promptly
See attached documentAmerican ModernMidland Boulevard Amelia, OH 45102-AMIG.COMFebruary 4, 2016Revdex.com Suite E4th Street, Cincinnati, OH 45202RE: File Number: ***Insured: *** *** Policy Number: *** Company: American Family Home Insurance
Company, NAIC Number: ***Dear *** ***:I am responding to your letter that was received in our office on February 1, 2016, regarding the above mentioned policy.American Family Home sent the renewal document on February 18, to *** ***, included was a bill due on March 25, The payment was not received on the due date and the policy cancelledWe received a payment on April 1, and the policy was reinstatedThe second time the policy cancelled for nonpayment was on June 24, We received a payment on June 26, and the policy was reinstated.It is our company guideline that if a policy cancels twice within the policy term it will not reinstate for a third timeOn December 22, the policy cancelled for the third time for nonpaymentWe received a payment on December 28, and the refund was send back to *** *** on January 13, 2016.If you should have any additional questions, please feel free to contact Mellisa A*** at [email protected] or by phone at ###-###-####.Sincerely,Achmed B***American Family Home Insurance Company
My claim number is: ***
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
On April I went to the American Modern web sight and It clearly stated A 10% credit applies for membership in an approved car club There was no disclaimer All American Modern is trying to do is back pedalThat company should state what states get 5% and 10%Why should the consumer have to figure it out?
Regards,
*** ***
Attached is our response the complaint filed ** *** *** *** *** ***I am responding to your letter that was received in our office onDecember 17, 2014, regarding the above mentioned policy.The policy was written effective January 9, with a premiumamount of $On
December 5, American Modern Select mailed thepolicyholder the 2015-renewal reflecting a $premium.The premium increased at renewal because of astate wide rating increase that was approved by the Ohio Department ofInsurance filed under SERFF number AMMH-with a maximum impact of1.39% affecting renewal business starting August 18, Also the age of thehome increased the premium as the rating relativity increased from years ofage with a base rate relativity of to years of age, placing the home ina new rating bracket with a base rate relativity of The location status changedwith the property from protected to out of parkThis is due to a countrywiderating change and the mechanical breakdown coverage is no longer included inthe policy which increased the premium by $35.00Attachedwith this response is a policy rate comparison chart as well as a copy of themost recent filings.If you should have anyadditional questions, please feel free to contact *** *** at *** ** ** *** ** *** *** ***
See attached documentCincinnati Revdex.comWest 7th Street, Ste1600Cincinnati, OH 4520209/4/2015In Re: Revdex.com ID # *** Our Insured: *** *** (***) Policy Number: ***Company: American Southern Home Insurance Company Our Claim No: ***Dear ***
*Field Supervisor
***:This correspondence is in response to a customer concern filed by our insured *** *** (***)Ourcustomer’s concerns are related to the indemnity determination and type of coverage she has for her home.Please note that we have reviewed our customers concerns and responded to *** *** in connection with herinsurance claimAs a part of our response, regarding the explanation of insurance benefits and determination ofdamages to her home, we will be conducting another inspection with *** *** and her Contractor present in orderto reach an agreeable settlement.We are unable to provide any additional claim details/information to the Revdex.com, since copies of our customers claimcorrespondence and insurance claim investigation work product are protected material under the Federal PrivacyAct.Sincerely,Tami S
Please find our response attachedThank youSeptember 18, 2015Revdex.comAttn: *** ***RE: Our Claim #: *** Loss Date: February 25, Your File #: ***Dear *** ***:I am writing in response to a request for reviewing additional information regarding the above referenced customer concern, which was received in our office on September 18, 2015.I have reviewed the letter forwarded by *** *** from Monty Tucker with Union Force MrTucker concluded the issues with *** ***’s windows are the result of dilapidation from water intrusion via wind driven rain As stated in our prior response, there is a specific exclusion in the policy that would exclude coverage for this damage, which reads as follows:• Loss or damage due and confined to leakage from rain, sleet or snow or its resulting damage whether or not wind drivenAs this is the case, I must respectfully maintain our coverage determination for the window damage being claimed by *** *** With regard to the possible hail damage on the roof, we affirmed in our prior response we are willingness to complete an additional inspection with *** *** and his contractor of choice to ensure no damage was missed during our initial inspection of the roof This offer remains intact Should *** *** wish to proceed in this matter, he may contact me directly so that we can coordinate the inspection.Please do not hesitate to contact us should you have any questions, concerns or any additional information for further consideration.Sincerely,Paul S
*Claims Supervisor IIAmerican Family Home Insurance Company
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
The business American Modern Insurance Group has once again sent this claim in another circleThis is what they have done to me alreadyMy complaint point was that nowhere does the policy that I have been paying for state that a proof of ownership is required for the payment of items mentioned in my loss claimI refuse to be out $2K+ because the business is now requiring me to show proof of ownershipI filed another claim recently for a gas powered dirt bike that was stolen from my vehicle and American Modern Insurance Group did not request proof of ownership on that claimI don't understand this business practiceYou would think that as a paying client, who has never been late on one payment since joining their group, that I would have to settle for being unsatisfied
[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 ***, and find that this resolution is satisfactory to me.
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.Per consumer on 9-24-15, "She has written letters, to try to cancel insurance, and she has been told that only her agent can cancel, however, she has not been in contact with the agent for 1/yearsCan you please cancel the insurance."They sent someone else on September 3rdA person called and said that they was supposed to do another estimate on the home, second opinion, to review the damageHe was here by 8a.m., he did not tell me his name, and did not give me a card, he said American Modern sent me because I live a little closerSo, I brought him into the yard, he got on the roof, and he walked and never squatted down, he just walked and lookedHe never kneeled down and did not use flashlight to look at ridge capHe walked onlyI stayed out in plain sight of him the whole time he was thereWhen he came down off the roof, I will return my report in to the insurance company, and they will get back to you, but I don't know how long that will takeAnd then he left, and I don't remember exactly when, but it was a few days later, and the insurance company when I tried to call them the phone just keeps ringing they do not answer the call from my phone numberI think it was a day or two later that they called me backI kept trying to call them for two or three days, it was third or fourth day from when I started calling, the phone rang and guy said he was from American Modern, and he said your claim has been denied, I'm sorry, and he hung upThe appraiser did not give me a copy, he said that he would send it to the insurance companyI don't know the guy who came out here, he did not give me a card or his name.American Modern sent me something that said claim was denied one timeI called one time and I don't know who I spoke to about status of the claim for damage of trailerI said I was calling to check on a claim, I remember someone else answered the phone, trying to check on status, someone else came on the line, I said this is *** ***, and they immediately said claim has been denied and hung up the phone and did not give any explanation.I want American Modern to come out and fix thisI have mold and damaged carpet, and not a single drop of water has come in, no further damage to spot in ceiling, where water started dripping, but that's where the mold startsI am disappointed that after 1/years of having this insurance policy, and having only one another claim many years ago, and the fact that I have paid them as much money as I have for 1/years, that they should at least pay the required portion according to my insurance policy, and that policy was taken to an attorney for review, and that attorney sent the insurance company a letter, that they needed to pay the claim because it was covered damage.
Regards,
*** ***
***'s toll free number is *** and the case number with *** is ***, in previous letters given it states the dates that we have received the disputes and the dates funds were takenAmerican Modern received the charge back on 4-24-received notification from *** that *** *** disputed the money, so they went ahead and drafted it from our account $266, when they drafted it that authorization code was ***On the chargeback notification we can acknowledge they took it or dispute it on 4-26-17, we agreed and allowed that previous draft to remain effective. The entity and fund reference numbers is verification that the $was sweeped from American Modern Home Insurance Company's home account and they no longer have access to the funds. Entity number: ***Trans Reference/Fund Reference: ***A reference number listed on the merchant chargeback notice is: ***
Please find our response attachedThank you.October 5, 2015Revdex.comAttn: *** ***RE: Our Claim #: *** Loss Date: February 25, Your File #: ***Dear *** ***:I am writing in response to a request for review of additional information regarding the above referenced customer concern, which was received in our office on October 5, 2015.I have reviewed the response from *** *** In addition, I received a voicemail from *** *** over this past weekend confirming his acceptance of our offer to inspect his residence with his contractor present I left *** *** a message today confirming my receipt of his message, and that I will have our adjuster, Fred Terrell, contact him to coordinate a date and time for the inspection to take place Please do not hesitate to contact us should you have any questions, concerns or any additional information for further consideration.Sincerely,Paul S
*Claims Supervisor IIAmerican Family Home Insurance Company
Please allow this letter to serve as acknowledgement of receipt of your correspondence dated September 13,2016, regarding the complaint filed with your office by our insured, Mr*** ***.I have reviewed the complaint by Mr***, who has alleged that our claim handling process has been“unprofessional.” Mr*** filed a claim with our office on 06/13/Our adjuster, Mr*** ***,made contact with Mr*** on that day and at that time explained what information was needed toprocess the claimMr*** then continued to follow up with Mr*** through phone calls and lettersto obtain the necessary information over the next eight (8) weeks.The requested documentation was submitted to Mr***’s attention by Mr*** on August 15, 2016,which was reviewed and payment was issued on that date concluding the claimMr*** attempted toreach Mr*** by telephone to review the adjustment of the claim, but was unsuccessfulA letter wasmailed to Mr*** outlining the disposition of his claimSubsequently, the letter was returned to ouroffice recently as the address provided by Mr*** is outdatedWe have since mailed this letter again tothe correct address recently provided by Mr***.Re***al response, October 10,2016:On September 15, 2016, the claim was reviewed again by Mr***’s Examiner, Ms*** ***At thattime, it was discovered that the incorrect payment amount was issuedWe immediately issued anotherpayment in the amount of $that was owed to Mr***Ms*** tried to contact Mr*** bytelephone, but was unsuccessful and left a voice mail message detailing the error and explaining the issuanceof the additional amountAdditionally, she requested that he contact her directly with any questions andprovided her contact informationRe***al response, October 17,2016:The Examiner on the file, *** ***, called Mr*** on October 11, and left a message explainingthat she was trying to get the claim resolved and needed to verify his address to send the payment for$Mr*** then spoke to Mr*** on October 12, and offered to resend the remainingpayment by Fed Ex to the correct addressThe payment was delivered to Mr*** on October 14, 2016.I trust that this matter has been addressed to your satisfactionHowever, should you have any questions orconcerns, please do not hesitate to contact our office.Sincerely,AMERICAN FAMILY HOME INSURANCEJ*** *** * *** ***
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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
I was out of park the beginning of when I moved into the home. It was never in a park, so that's a charge. And why are these new charges added when my home obviously had no changes.*** insurance quoted me at per month, so obviously its a bait and switch with the first years premium being reasonable and then slamming you with double the second year. at percent increase by the state it would only raise it by per month, not
Regards,
*** ***
RE: Named insured: Mr& Mrs*** *** *** *** *** *** *** *** Company: American Modern Select Insurance Please allow this letter to serve as acknowledgment or your correspondence dated October 31, 2016, regarding the complaint filed with your office by
our insured, Mr*** ***.I have reviewed the complaint filed by Mr*** regarding the insurance claim for the damages to his propertyOn August 29, 2016, Mr*** endured a storm in the area of his home, which resulted in water damage to the property insured by American Modern Select Insurance CompanyOn August 30, 2016, we received notice of this claim, and our records indicate that the adjuster attempted to reach Mr& Mrs*** on August 31, 2016, to discuss the loss and claim processThis attempt was unsuccessful and a voicemail message was left for them requesting a return call and a brief outline of the claims handling process and the need for a physical inspection of the damages being claimed by an independent adjusterAdditionally, the adjuster made contact with Mr*** ***, a reported family friend, who has allegedly occupied the home for past three to four years that the insureds have been away, and discussed the damages to the property resulting from this loss.The Complaint filed with your office references that messages were left for our adjuster, Mr*** ***, on the dates of September 6th, September 12th, September 19th, September 22nd, and September 26thBased on our records, the inspector who performed the physical inspection of the property made contact to Coordinate the physical inspection on September 5th, 2016, and a physical inspection of the property was conducted by the independent adjusting service, *** *** ***, on September 9th, 2016.On September 13th, 2016, the adjuster followed up with *** *** *** and attempted to reach Mror Mrs*** on that day, but was unsuccessful and again left a voicemail providing a verbal status of the claim at that timeAdditionally, our adjuster followed up on the status of the inspection results on September 20th, 2016.Please be advised that we received a full copy of the inspection results the next day on September and, within Seven (7) business days of receiving the inspection report, the adjuster reviewed and again made several attempts to contact Mr& Mrs*** by telephone to review the disposition of the claim and our coverage decisionHowever, he was unsuccessful again reaching only their voice mail.As a result, on September 26th, 2016, the adjuster left a detailed voicemail explaining our coverage decision based upon the findings during the physical inspection of the damagesAdditionally, our coverage decision was provided writing in a letter sent to Mr& Mrs***, which is dated September 25, and references the applicable language of the insurance policy upon which our Coverage decision was made.At this time, our file remains closed with no further action necessaryHowever, should we receive any additional information, which has not previously been provided and that may affect our coverage position, we would be pleased to review and consider.trust that this matter has been addressed to your satisfactionHowever, if I may be of further assistance or if you should need additional information, please contact me at *** *** *** ** *** ***.Respectfully Yours,American Modern Home Insurance Company
[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
See attached response