Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below American Modern Insurance Group (AMIG) has responded times to this dispute thus far AMIG has not provided any step towards a resolution, not even one step Because they are a large company and hold all the power of decision making in this dispute, they have not made any attempts to try to resolve this situation in a professional manner other than stating that they will not do anything this is very clear in all of the communication they have had with me the only issue AMIG has addressed is their unwillingness to fulfill their responsibility as an insurance company to cover my claim for a hail storm and its effects on my property My home is covered by hail storms AMIG chooses to willingly to do otherwise.According to AMIG's website, their code of ethics is "to always do the right thing." It is apparently their number one rule, yet fails to have any real life value As was mentioned in earlier communication, their unprofessional and uncaring month long delay resulted in additional thousands of dollars of damage to my home They fail to see the reason I mention it, and then ignore all the other points I bring to their attention This is the basis for the type of company AMIG is, the values it really has, and its only self-preserving attitude They apologize, yet there is no action or even a step to resolution to those empty words As we can see, the response of AMIG does not resolve my case because they have not given any resolution to the case other than that I should take financial responsibility for their inability to take responsibility for their purpose of being in business Regards, [redacted]
[A default letter is provided here which indicates your acceptance of the busin***'s response If you wish, you may update it before sending it If you and the busin [redacted] have reached an agreement and compliance is set for a future date, we trust the busin [redacted] 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.] Better Busin [redacted] Bureau: 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] ***
Please find our response attachedThank you.October 5, 2015Revdex.comAttn: [redacted] ***RE: Our Claim #: [redacted] Loss Date: February 25, Your File #: [redacted] Dear [redacted] ***: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 [redacted] In addition, I received a voicemail from [redacted] over this past weekend confirming his acceptance of our offer to inspect his residence with his contractor present I left [redacted] 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
Good morning ***,I have reviewed over this complaint and I doesn't think it belongs to our companyOur company does not sell standard auto insurance We sell antique autos and exotic cars I also process a name search and was not able to locate anything in our system under [redacted] My thoughts are that this might belong to American Family Insurance Company based out of [redacted] If you are able to provide me a policy and claim number I can review further.Thank youMellisa A
Good morning, Please find attached our company response to file # [redacted] Thank you Mellisa A [redacted] October 8, 2015Attn: [redacted] ***Cincinnati Revdex.comE4th St#600Cincinnati, Ohio 45202RE: File Number: [redacted] Insured: [redacted] Policy Number: [redacted] NAIC Number: ***Dear [redacted] ***,I am responding to your letter that was received in our office on October 1, regardingthe above mentioned policy[redacted] contacted American Family Home Insurance Company on August 18, 2015requesting to cancel her policy effective August 1, Per her request the policy wascancelled and we issued a refund check of $1,on August 20, The refundcheck was returned by the post office as “Return to Sender”.A second refund check was issued on September 16, and it was cashed by [redacted] on September 24, 2015.We welcome the opportunity to further discuss this matterShould you have additionalquestions, please feel free to contact Mellisa A [redacted] via e-mail [email protected] or by phone at 1-800-759-extension ***.Sincerely,Kathrin Y***Team SpecialistAmerican Family Home Insurance Company
Our response is attached.September 3, [redacted] ***Marketplace Resource Consultant [redacted] Phone: [redacted] RE REFERENCE: [redacted] INSURED: [redacted] ***COMPLAINTANT: [redacted] ***CLAIM: [redacted] POLICY: [redacted] DATE OF LOSS: 4/30/2015TYPE OF LOSS: Weather - WindOUR NAIC#: [redacted] ***,This letter is our response to [redacted] ***’s rejection of our response to her complaint which wereceived on September 2, In her response, [redacted] stated that she is no longerrepresented by an attorney and that she wants us to communicate with her directly.We also note that she has accepted our offer to have a claims representative complete a reinspectionwith her contractor and herself to see if there is additional damage not previouslynotedWe will be assigning the re-inspection to [redacted] who will contact both [redacted] andher contractor next week to schedule the re-inspection.If you have any further questions or need any further information, please contact theundersigned at [redacted] .Sincerely,Mike P [redacted] Claims SupervisorAmerican Modern Home Insurance Company [redacted] Phone [redacted] FaxEXECUTIVE OFFICES/ MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.OBOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL800-375-
Good morning,Please find attached our company response.Thank youMellisa A [redacted] August 8, 2017Revdex.comE4th, Suite 600Cincinnati, OH 45202Attn: [redacted] *** Re: Complaint ID No.: [redacted] Complainant: [redacted] ** Policy No.: [redacted] Inception Date: March 23, Company: American Modern Home Insurance Company; ***: ***Dear [redacted] ***,We are in receipt of your correspondence of August 1, American Modern HomeInsurance Company (“American Modern Home”) appreciated the opportunity to respond tothe additional concerns for *** [redacted] **.We have verified with the payment processing company, [redacted] , that American ModernHome is no longer in possession of money received from/or owed to *** [redacted] **.When [redacted] initially disputed the payment, it was placed in a holding account with [redacted] [redacted] then notified American Modern Home on April 24, 2017, of the disputeAtthat time American Modern Home approved the reversal of the $payment on April26, 2017.As of the writing of this letter, the $funds are in the possession of [redacted] and nolonger accessable to American Modern Home.If you should have any additional questions, please contact me at [email protected] orby phone at 1-800-759-9008, ext***.Sincerely,Mellisa A [redacted] SrCompliance Specialist
Please find our response attachedThank youRevdex.com [redacted] ** [redacted] Dear [redacted] : This message is in regard to your concerns submitted on 2/4/11:56:AM against American Modern Insurance Group Your complaint was assigned ID [redacted] We received the business's response to your concerns, and you can find the contents of the message below or attached To assist us in bringing this matter to a close, we would like to know your view on the matter * Has the company addressed the issues of this dispute? * If not, why? * Has the company met the agreement they outlined in their response? Please submit your thoughts via online system, fax or mail within days The text of your complaint may be publicly posted on Revdex.com's web site (Revdex.com reserves the right to not post in accordance with Revdex.com policy)Please do not include any personally identifiable information when you tell us about your problem or in your desired outcomeBy submitting your complaint, you are representing that it is a truthful account of your experience with the businessRevdex.com may edit your complaint to protect privacy rights and to remove inappropriate language Your complaint will be made part of the company's Revdex.com Business Review If we don't hear from you, your complaint will be reflected as "resolved." Should you have any questions or further concerns, please do not hesitate to contact us We would be glad to assist you Regards, [redacted] Marketplace Resource Consultant [redacted] [redacted] [redacted] MESSAGE FROM BUSINESS: Please find our response attachedThank you
This letter will acknowledge receipt of the correspondence from you on April 29th, We received this claim filed by the insured, Quicken Loan Inc on March 11th, The damages reported by the borrower, [redacted] ***, indicated interior water damage to the bedroom due to water leaking from the roof The claim was assigned to [redacted] for handling who sent it out for inspection to a local field adjusterThe inspection completed confirmed interior water damage from the roof was found to a bedroomThe inspection of the roof found that one slope was replaced and is newer than the other slopeNo wind or hail damage was found to the newer slope of the roof and it was found to be in good conditionThe inspection of the older slope found no evidence of wind or hail damageThe slope was found to be worn and deteriorated due to age and wear and tearThis resulted in water to seep and cause damage to the bedroomUpon review of the inspection report and the policy it was found that the roof was not covered due to age, deterioration and wear and tearHowever, the interior water damage is covered in the policyAn estimate to repair the water damage in the bedroom was worked up and repairs came to a total of $The policy has a deductible of $Since the cost of repair is less than the policy deductible no payment was issued [redacted] spoke with the borrower and discussed the denial on the roof and repairs to the bedroom [redacted] informed Mr [redacted] that if he finds that the repairs to the interior were higher than the policy deductible to forward a contractor’s estimate for reviewIf you have any questions or need further information, please contact the undersigned at [redacted] *** Sincerely, [redacted] Claims Supervisor
April 21, Cincinnati Revdex.com West 7th Street, SteCincinnati, OH RE: File Number: [redacted] Insured: [redacted] Policy Number: [redacted] Company: American Modem Select Insurance Company NAIC Number: Dear Ms [redacted] : I am responding to your letter that was received in our office on April 13, 2015, regarding the above mentioned policyAs a threshold matter, the company insuring Ms [redacted] is American Modem Select Insurance Company, not American Modem Property and Casualty Insurance CompanyI have contacted the agency and spoke with [redacted] He stated that Ms [redacted] 's policy was just acquired by their agency a couple of weeks ago from the previous agent of recordThere may have been some confusion as to which agency to contact, making it difficult for Ms [redacted] to reach the agentI have provided [redacted] with Ms [redacted] 's phone number and email address and he stated that he will get in contact with Ms [redacted] to discuss her policyIf you should have any additional questions, please feel free to contact [redacted] at [redacted] or by phone at [redacted] extension ***Sincerely, [redacted] ,
Response is attached.June 22, Cincinnati Revdex.com West 7th Street, SteCincinnati, OH RE ID : [redacted] INSURED : [redacted] COMPLAINTANT : [redacted] CLAIM : [redacted] DATE OF LOSS : April 2, TYPE OF LOSS(reported as) : Weather - wind Dear [redacted] [redacted] , This letter will acknowledge receipt of your correspondence dated June 16, On April 2, 2015, [redacted] ***, our customer, filed a claim (# [redacted] ) for damage to the shingled roof of her home located at [redacted] ***On April 8, 2015, our adjuster, Lori C [redacted] , completed a physical inspection of the damage to our customer’s property with the customer and the customer’s contractor present during the inspectionDuring the inspection, our adjuster found no damage present to the roof resulting from windstorm, hail or any other Peril Insured Against provided in the policyThe inspection by our adjuster revealed the shingles present on the roof were [redacted] composite roof shinglesInspection of the shingles found the presence of cracks and blistering to the shingles, which were determined to be the result of wear and tear and manufacturer’s defectOur adjuster advised our customer her insurance policy does not provide coverage for manufacturer’s defectOur adjuster informed our customer and her contractor that the damage to the shingles resulting from manufacturer’s defect should be directed to the manufacturerOur customer was adamant that her insurance policy should provide coverage and then request reimbursement for the insurance claim payment provided to our customer through the process of subrogationOur adjuster again advised our customer that their policy does not provide coverage for manufacturer’s defectOn April 13, 2015, our adjuster completed a denial letter to the customer quoting the applicable policy languageSince our customer’s insurance policy is a named peril policy and manufacturer’s defect is not a named peril listed in the insurance policy, the claim was denied [redacted] If you have any questions or need further information, please contact the undersigned at [redacted] or via e-mail: [redacted] Sincerely, AMERICAN FAMILY HOME INSURANCE COMPANY Angie J [redacted] Claims Supervisor
Good morning,We are in need of a little more information Can you please provide us a policy number and claim number so I can research this further?Thank you [redacted]
See attached documentCincinnati Revdex.comWest 7th Street, Ste1600Cincinnati, OH 4520209/4/2015In Re: Revdex.com ID # [redacted] Our Insured: [redacted] ( [redacted] ) Policy Number: [redacted] Company: American Southern Home Insurance Company Our Claim No: [redacted] Dear *** ***:This correspondence is in response to a customer concern filed by our insured [redacted] ( [redacted] )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 [redacted] 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 [redacted] 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 [redacted] Field Supervisor
Please find our response attached. Thank youSeptember 18, 2015RevDex.comAttn: [redacted] ***RE: Our Claim #: [redacted] Loss Date: February 25, 2014 Your File #: [redacted] Dear [redacted] ***: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 [redacted] from Monty Tucker with Union Force. Mr. Tucker concluded the issues with [redacted] ’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 [redacted] . 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 [redacted] and his contractor of choice to ensure no damage was missed during our initial inspection of the roof. This offer remains intact. Should [redacted] 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
Good afternoon [redacted] ***,Please find attached our company response in regards to [redacted] 's concerns that were provided to our company under your complaint # [redacted] .If you should have any questions, please don't hesitate to contact me.Sincerely,Mellisa A [redacted]
Good morning,Please find attached our company response to MsIwen's concerns.Thank youMellisa A [redacted] July 31, 2017Revdex.comE4th, Suite 600Cincinnati, OH 45202Attn: [redacted] *** Re: ID Number: [redacted] Complainant: [redacted] ** Policy No.: [redacted] Inception Date: March 23, Company: American Modern Home Insurance Company; ***: ***Dear [redacted] ***,We are in receipt of your correspondence of July 25, American Modern Home Insurance Company(“American Modern”) appreciates the opportunity to respond to he Revdex.com.Ms [redacted] had a policy with American Modern with effective dates of March 23, through March23, 2018, for an annual premium of $266.00; which was paid in full at the inception of the policy.On April 3, 2017, American Modern received a call from [redacted] to cancel her policy; which was honoredand completed the same dayOn April 19, 2017, a pro-rated refund for $was mailed to [redacted] **under check no [redacted] .On April 24, 2017, American Modern received a chargeback notice (attached) from [redacted] **’s merchantthat she disputed the $and on April 24, 2017, our account was debited $due to thedisputed transactionTo ensure that [redacted] wasn’t double refunded, American Modern issued a stoppayment on the refund check no [redacted] .American Modern is no longer in possession of money received from or owed to [redacted] **.If you should have any additional questions, please feel free to contact me at [email protected] or byphone at 1-800-759-9008, ext***.Sincerely,Mellisa A [redacted] SrCompliance Specialist
Good morning, Please find attached our company response Thank you Mellisa A [redacted] September 9, 2015Revdex.comAttn: [redacted] ***Re: File Number: [redacted] Insured: [redacted] ***Policy Number: [redacted] Number: ***Dear [redacted] ***,I am responding to your letter that was received in our office on August 31, , regarding the above mentionedpolicy.Check number [redacted] for $to cover overdraft fees was delivered to the address on file on September 2,via ***, tracking number [redacted] ***eRenterPlan sincerely regrets the delay in the processing of thecheck and apologizes for the inconvenience.If you should have any questions, please feel free to contact Mellisa A [redacted] at [redacted] .Sincerely,Mellisa A [redacted] SrCompany Authority & Market Conduct Specialist
Consumers County Mutual Insurance CompanyMidland BoulevardAmelia, OH 45102-2607800.543.2644June 30, 2015Cincinnati Revdex.comE4th Street Suite, 600Cincinnati, Ohio 45202Reference: Insured: [redacted] Policy Number: [redacted] ID#: [redacted] Dear [redacted] ,I am responding to your letter received in our office on June 25, 2015, regarding theabove mentioned policy.On May 1, a policy was issued for the policyholder which included Personal InjuryProtection (PIP) coverageA request for the signed selection form was sent to thepolicyholder on May 6, and again on May 13, Notice of cancellation was senton May 22, because the previously requested form had not been received.Consumers County Mutual Insurance Company received the PIP selection form on June2, A review of the form and policy revealed the policyholder does not carry PIPcoverage on their daily auto policyIn accordance to Consumer County MutualInsurance’s new business practices, the policy was not eligible to select PIP coveragebecause it was not on the daily auto policyTherefore, the policy cancellation was notrescinded.Due to the circumstances we have elected to allow the policyholder a flat cancellation ofthe policy and will provide a full refund of the paid premium.I hope this response will bring closure to our correspondenceShould you have additionalquestions, please feel free to contact Mellisa A [redacted] via e-mail at [redacted] or at [redacted] ***.Sincerely,Mike P***, Underwriting AnalystConsumers County Mutual Insurance Company
Please allow this letter to serve as acknowledgment of your correspondence regarding the supplemental response submitted by our insured Mr [redacted] following our recent response to his original complaint filed with your office.I have reviewed Mr [redacted] ’s additional concerns regarding the above-noted insurance claim for the damages to his propertySpecifically, Mr [redacted] is requesting that coverage for the claim be afforded based upon the amount of time it took to investigate and conclude the claimPlease be advised that American Modern Select Insurance Company makes every effort to provide coverage when a loss occursUnfortunately, in this instance, the damages identified were not the result of a loss event covered under the policy that was in force on the date of lossTherefore, no coverage can be extended or payment made for the damages claimed.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.I 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 [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below American Modern Insurance Group (AMIG) has responded times to this dispute thus far AMIG has not provided any step towards a resolution, not even one step Because they are a large company and hold all the power of decision making in this dispute, they have not made any attempts to try to resolve this situation in a professional manner other than stating that they will not do anything this is very clear in all of the communication they have had with me the only issue AMIG has addressed is their unwillingness to fulfill their responsibility as an insurance company to cover my claim for a hail storm and its effects on my property My home is covered by hail storms AMIG chooses to willingly to do otherwise.According to AMIG's website, their code of ethics is "to always do the right thing." It is apparently their number one rule, yet fails to have any real life value As was mentioned in earlier communication, their unprofessional and uncaring month long delay resulted in additional thousands of dollars of damage to my home They fail to see the reason I mention it, and then ignore all the other points I bring to their attention This is the basis for the type of company AMIG is, the values it really has, and its only self-preserving attitude They apologize, yet there is no action or even a step to resolution to those empty words As we can see, the response of AMIG does not resolve my case because they have not given any resolution to the case other than that I should take financial responsibility for their inability to take responsibility for their purpose of being in business Regards, [redacted]
[A default letter is provided here which indicates your acceptance of the busin***'s response If you wish, you may update it before sending it If you and the busin [redacted] have reached an agreement and compliance is set for a future date, we trust the busin [redacted] 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.] Better Busin [redacted] Bureau: 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] ***
Please find our response attachedThank you.October 5, 2015Revdex.comAttn: [redacted] ***RE: Our Claim #: [redacted] Loss Date: February 25, Your File #: [redacted] Dear [redacted] ***: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 [redacted] In addition, I received a voicemail from [redacted] over this past weekend confirming his acceptance of our offer to inspect his residence with his contractor present I left [redacted] 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
Good morning ***,I have reviewed over this complaint and I doesn't think it belongs to our companyOur company does not sell standard auto insurance We sell antique autos and exotic cars I also process a name search and was not able to locate anything in our system under [redacted] My thoughts are that this might belong to American Family Insurance Company based out of [redacted] If you are able to provide me a policy and claim number I can review further.Thank youMellisa A
Good morning, Please find attached our company response to file # [redacted] Thank you Mellisa A [redacted] October 8, 2015Attn: [redacted] ***Cincinnati Revdex.comE4th St#600Cincinnati, Ohio 45202RE: File Number: [redacted] Insured: [redacted] Policy Number: [redacted] NAIC Number: ***Dear [redacted] ***,I am responding to your letter that was received in our office on October 1, regardingthe above mentioned policy[redacted] contacted American Family Home Insurance Company on August 18, 2015requesting to cancel her policy effective August 1, Per her request the policy wascancelled and we issued a refund check of $1,on August 20, The refundcheck was returned by the post office as “Return to Sender”.A second refund check was issued on September 16, and it was cashed by [redacted] on September 24, 2015.We welcome the opportunity to further discuss this matterShould you have additionalquestions, please feel free to contact Mellisa A [redacted] via e-mail [email protected] or by phone at 1-800-759-extension ***.Sincerely,Kathrin Y***Team SpecialistAmerican Family Home Insurance Company
Our response is attached.September 3, [redacted] ***Marketplace Resource Consultant [redacted] Phone: [redacted] RE REFERENCE: [redacted] INSURED: [redacted] ***COMPLAINTANT: [redacted] ***CLAIM: [redacted] POLICY: [redacted] DATE OF LOSS: 4/30/2015TYPE OF LOSS: Weather - WindOUR NAIC#: [redacted] ***,This letter is our response to [redacted] ***’s rejection of our response to her complaint which wereceived on September 2, In her response, [redacted] stated that she is no longerrepresented by an attorney and that she wants us to communicate with her directly.We also note that she has accepted our offer to have a claims representative complete a reinspectionwith her contractor and herself to see if there is additional damage not previouslynotedWe will be assigning the re-inspection to [redacted] who will contact both [redacted] andher contractor next week to schedule the re-inspection.If you have any further questions or need any further information, please contact theundersigned at [redacted] .Sincerely,Mike P [redacted] Claims SupervisorAmerican Modern Home Insurance Company [redacted] Phone [redacted] FaxEXECUTIVE OFFICES/ MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.OBOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL800-375-
Good morning,Please find attached our company response.Thank youMellisa A [redacted] August 8, 2017Revdex.comE4th, Suite 600Cincinnati, OH 45202Attn: [redacted] *** Re: Complaint ID No.: [redacted] Complainant: [redacted] ** Policy No.: [redacted] Inception Date: March 23, Company: American Modern Home Insurance Company; ***: ***Dear [redacted] ***,We are in receipt of your correspondence of August 1, American Modern HomeInsurance Company (“American Modern Home”) appreciated the opportunity to respond tothe additional concerns for *** [redacted] **.We have verified with the payment processing company, [redacted] , that American ModernHome is no longer in possession of money received from/or owed to *** [redacted] **.When [redacted] initially disputed the payment, it was placed in a holding account with [redacted] [redacted] then notified American Modern Home on April 24, 2017, of the disputeAtthat time American Modern Home approved the reversal of the $payment on April26, 2017.As of the writing of this letter, the $funds are in the possession of [redacted] and nolonger accessable to American Modern Home.If you should have any additional questions, please contact me at [email protected] orby phone at 1-800-759-9008, ext***.Sincerely,Mellisa A [redacted] SrCompliance Specialist
Please find our response attachedThank youRevdex.com [redacted] ** [redacted] Dear [redacted] : This message is in regard to your concerns submitted on 2/4/11:56:AM against American Modern Insurance Group Your complaint was assigned ID [redacted] We received the business's response to your concerns, and you can find the contents of the message below or attached To assist us in bringing this matter to a close, we would like to know your view on the matter * Has the company addressed the issues of this dispute? * If not, why? * Has the company met the agreement they outlined in their response? Please submit your thoughts via online system, fax or mail within days The text of your complaint may be publicly posted on Revdex.com's web site (Revdex.com reserves the right to not post in accordance with Revdex.com policy)Please do not include any personally identifiable information when you tell us about your problem or in your desired outcomeBy submitting your complaint, you are representing that it is a truthful account of your experience with the businessRevdex.com may edit your complaint to protect privacy rights and to remove inappropriate language Your complaint will be made part of the company's Revdex.com Business Review If we don't hear from you, your complaint will be reflected as "resolved." Should you have any questions or further concerns, please do not hesitate to contact us We would be glad to assist you Regards, [redacted] Marketplace Resource Consultant [redacted] [redacted] [redacted] MESSAGE FROM BUSINESS: Please find our response attachedThank you
This letter will acknowledge receipt of the correspondence from you on April 29th, We received this claim filed by the insured, Quicken Loan Inc on March 11th, The damages reported by the borrower, [redacted] ***, indicated interior water damage to the bedroom due to water leaking from the roof The claim was assigned to [redacted] for handling who sent it out for inspection to a local field adjusterThe inspection completed confirmed interior water damage from the roof was found to a bedroomThe inspection of the roof found that one slope was replaced and is newer than the other slopeNo wind or hail damage was found to the newer slope of the roof and it was found to be in good conditionThe inspection of the older slope found no evidence of wind or hail damageThe slope was found to be worn and deteriorated due to age and wear and tearThis resulted in water to seep and cause damage to the bedroomUpon review of the inspection report and the policy it was found that the roof was not covered due to age, deterioration and wear and tearHowever, the interior water damage is covered in the policyAn estimate to repair the water damage in the bedroom was worked up and repairs came to a total of $The policy has a deductible of $Since the cost of repair is less than the policy deductible no payment was issued [redacted] spoke with the borrower and discussed the denial on the roof and repairs to the bedroom [redacted] informed Mr [redacted] that if he finds that the repairs to the interior were higher than the policy deductible to forward a contractor’s estimate for reviewIf you have any questions or need further information, please contact the undersigned at [redacted] *** Sincerely, [redacted] Claims Supervisor
April 21, Cincinnati Revdex.com West 7th Street, SteCincinnati, OH RE: File Number: [redacted] Insured: [redacted] Policy Number: [redacted] Company: American Modem Select Insurance Company NAIC Number: Dear Ms [redacted] : I am responding to your letter that was received in our office on April 13, 2015, regarding the above mentioned policyAs a threshold matter, the company insuring Ms [redacted] is American Modem Select Insurance Company, not American Modem Property and Casualty Insurance CompanyI have contacted the agency and spoke with [redacted] He stated that Ms [redacted] 's policy was just acquired by their agency a couple of weeks ago from the previous agent of recordThere may have been some confusion as to which agency to contact, making it difficult for Ms [redacted] to reach the agentI have provided [redacted] with Ms [redacted] 's phone number and email address and he stated that he will get in contact with Ms [redacted] to discuss her policyIf you should have any additional questions, please feel free to contact [redacted] at [redacted] or by phone at [redacted] extension ***Sincerely, [redacted] ,
Response is attached.June 22, Cincinnati Revdex.com West 7th Street, SteCincinnati, OH RE ID : [redacted] INSURED : [redacted] COMPLAINTANT : [redacted] CLAIM : [redacted] DATE OF LOSS : April 2, TYPE OF LOSS(reported as) : Weather - wind Dear [redacted] [redacted] , This letter will acknowledge receipt of your correspondence dated June 16, On April 2, 2015, [redacted] ***, our customer, filed a claim (# [redacted] ) for damage to the shingled roof of her home located at [redacted] ***On April 8, 2015, our adjuster, Lori C [redacted] , completed a physical inspection of the damage to our customer’s property with the customer and the customer’s contractor present during the inspectionDuring the inspection, our adjuster found no damage present to the roof resulting from windstorm, hail or any other Peril Insured Against provided in the policyThe inspection by our adjuster revealed the shingles present on the roof were [redacted] composite roof shinglesInspection of the shingles found the presence of cracks and blistering to the shingles, which were determined to be the result of wear and tear and manufacturer’s defectOur adjuster advised our customer her insurance policy does not provide coverage for manufacturer’s defectOur adjuster informed our customer and her contractor that the damage to the shingles resulting from manufacturer’s defect should be directed to the manufacturerOur customer was adamant that her insurance policy should provide coverage and then request reimbursement for the insurance claim payment provided to our customer through the process of subrogationOur adjuster again advised our customer that their policy does not provide coverage for manufacturer’s defectOn April 13, 2015, our adjuster completed a denial letter to the customer quoting the applicable policy languageSince our customer’s insurance policy is a named peril policy and manufacturer’s defect is not a named peril listed in the insurance policy, the claim was denied [redacted] If you have any questions or need further information, please contact the undersigned at [redacted] or via e-mail: [redacted] Sincerely, AMERICAN FAMILY HOME INSURANCE COMPANY Angie J [redacted] Claims Supervisor
Customer called Revdex.com stating the matter is resolved
Good morning,We are in need of a little more information Can you please provide us a policy number and claim number so I can research this further?Thank you [redacted]
See attached documentCincinnati Revdex.comWest 7th Street, Ste1600Cincinnati, OH 4520209/4/2015In Re: Revdex.com ID # [redacted] Our Insured: [redacted] ( [redacted] ) Policy Number: [redacted] Company: American Southern Home Insurance Company Our Claim No: [redacted] Dear *** ***:This correspondence is in response to a customer concern filed by our insured [redacted] ( [redacted] )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 [redacted] 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 [redacted] 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 [redacted] Field Supervisor
Please find our response attached. Thank youSeptember 18, 2015RevDex.comAttn: [redacted] ***RE: Our Claim #: [redacted] Loss Date: February 25, 2014 Your File #: [redacted] Dear [redacted] ***: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 [redacted] from Monty Tucker with Union Force. Mr. Tucker concluded the issues with [redacted] ’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 [redacted] . 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 [redacted] and his contractor of choice to ensure no damage was missed during our initial inspection of the roof. This offer remains intact. Should [redacted] 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
Good afternoon [redacted] ***,Please find attached our company response in regards to [redacted] 's concerns that were provided to our company under your complaint # [redacted] .If you should have any questions, please don't hesitate to contact me.Sincerely,Mellisa A [redacted]
Good morning,Please find attached our company response to MsIwen's concerns.Thank youMellisa A [redacted] July 31, 2017Revdex.comE4th, Suite 600Cincinnati, OH 45202Attn: [redacted] *** Re: ID Number: [redacted] Complainant: [redacted] ** Policy No.: [redacted] Inception Date: March 23, Company: American Modern Home Insurance Company; ***: ***Dear [redacted] ***,We are in receipt of your correspondence of July 25, American Modern Home Insurance Company(“American Modern”) appreciates the opportunity to respond to he Revdex.com.Ms [redacted] had a policy with American Modern with effective dates of March 23, through March23, 2018, for an annual premium of $266.00; which was paid in full at the inception of the policy.On April 3, 2017, American Modern received a call from [redacted] to cancel her policy; which was honoredand completed the same dayOn April 19, 2017, a pro-rated refund for $was mailed to [redacted] **under check no [redacted] .On April 24, 2017, American Modern received a chargeback notice (attached) from [redacted] **’s merchantthat she disputed the $and on April 24, 2017, our account was debited $due to thedisputed transactionTo ensure that [redacted] wasn’t double refunded, American Modern issued a stoppayment on the refund check no [redacted] .American Modern is no longer in possession of money received from or owed to [redacted] **.If you should have any additional questions, please feel free to contact me at [email protected] or byphone at 1-800-759-9008, ext***.Sincerely,Mellisa A [redacted] SrCompliance Specialist
Good morning, Please find attached our company response Thank you Mellisa A [redacted] September 9, 2015Revdex.comAttn: [redacted] ***Re: File Number: [redacted] Insured: [redacted] ***Policy Number: [redacted] Number: ***Dear [redacted] ***,I am responding to your letter that was received in our office on August 31, , regarding the above mentionedpolicy.Check number [redacted] for $to cover overdraft fees was delivered to the address on file on September 2,via ***, tracking number [redacted] ***eRenterPlan sincerely regrets the delay in the processing of thecheck and apologizes for the inconvenience.If you should have any questions, please feel free to contact Mellisa A [redacted] at [redacted] .Sincerely,Mellisa A [redacted] SrCompany Authority & Market Conduct Specialist
Consumers County Mutual Insurance CompanyMidland BoulevardAmelia, OH 45102-2607800.543.2644June 30, 2015Cincinnati Revdex.comE4th Street Suite, 600Cincinnati, Ohio 45202Reference: Insured: [redacted] Policy Number: [redacted] ID#: [redacted] Dear [redacted] ,I am responding to your letter received in our office on June 25, 2015, regarding theabove mentioned policy.On May 1, a policy was issued for the policyholder which included Personal InjuryProtection (PIP) coverageA request for the signed selection form was sent to thepolicyholder on May 6, and again on May 13, Notice of cancellation was senton May 22, because the previously requested form had not been received.Consumers County Mutual Insurance Company received the PIP selection form on June2, A review of the form and policy revealed the policyholder does not carry PIPcoverage on their daily auto policyIn accordance to Consumer County MutualInsurance’s new business practices, the policy was not eligible to select PIP coveragebecause it was not on the daily auto policyTherefore, the policy cancellation was notrescinded.Due to the circumstances we have elected to allow the policyholder a flat cancellation ofthe policy and will provide a full refund of the paid premium.I hope this response will bring closure to our correspondenceShould you have additionalquestions, please feel free to contact Mellisa A [redacted] via e-mail at [redacted] or at [redacted] ***.Sincerely,Mike P***, Underwriting AnalystConsumers County Mutual Insurance Company
Please allow this letter to serve as acknowledgment of your correspondence regarding the supplemental response submitted by our insured Mr [redacted] following our recent response to his original complaint filed with your office.I have reviewed Mr [redacted] ’s additional concerns regarding the above-noted insurance claim for the damages to his propertySpecifically, Mr [redacted] is requesting that coverage for the claim be afforded based upon the amount of time it took to investigate and conclude the claimPlease be advised that American Modern Select Insurance Company makes every effort to provide coverage when a loss occursUnfortunately, in this instance, the damages identified were not the result of a loss event covered under the policy that was in force on the date of lossTherefore, no coverage can be extended or payment made for the damages claimed.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.I 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 [redacted]