I am responding to your letter that was received in our office on April 6, 2016, regarding the above mentioned policy.Our website is generic and in most states the car club discount is 10%. We do have the following disclaimer on our website:“Coverage is subject to policy terms, conditions,... limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA American Modern Insurance Company (Lic. No 2222-8)”.However, in light of your inquiry we plan to reference the disclaimer about this and other discounts in a more prominent fashion.If you should have any additional questions, please feel free to contact me at [redacted] or by phone at 1-800- [redacted] , extension ***.Sincerely, [redacted] American Family Home Insurance Company
July 22, 2015Attn: [redacted] ***Cincinnati Revdex.comRE: File Number: [redacted] Insured: [redacted] Policy Number: [redacted] Dear [redacted] ***:I am responding to your letter that was received in our office on July 17, 2015, regarding the above mentionedpolicy.Our records show that [redacted] contacted us on June 22, to cancel their policy because theywere moving into a home [redacted] issued a refund check# [redacted] for $to [redacted] onJune 25, Our records show that it was mailed to [redacted] ***shortly thereafter.The policy was cancelled with an effective date of June 22, If for some reason the refund check stillhasn’t been received please have [redacted] contact [redacted] directly to advise.If you should have any additional questions, please feel free to contact me at [redacted] orby phone at [redacted] extension ***.Sincerely,Mellisa A [redacted] SrCompany Authority & Market Conduct Specialist
Please find attached response.American Modern Select Insurance CompanyJanuary 25, 2016Cincinnati Revdex.comAttn: [redacted] ***Marketplace Resource Consultant [redacted] @cincinnati.Revdex.com.orgRE: Insured: [redacted] Cause of Loss: Appliance/Plumbing Failure withClaim Number: [redacted] ensuing water damage Date of Loss: July 18, 2013Policy Number: [redacted] Dear [redacted] ***:Thank you for your letter regarding [redacted] ’s concerns with damage to her homeWe appreciateyour effort to assist and facilitate communication in the matter.It is our policy not to disclose personal claims information to other partiesWe are contacting Ms.Lambert to discuss her concerns and will endeavor to resolve this matter amicably.If you have any further questions or if any further issues arise, please contact me at [redacted] ext:***I will be happy to assist in any way that I can.Sincerely,American Modern Select Insurance CompanyMisty F*SupervisorPhone: [redacted] ***Fax: 513-947-4469Email: m***@amig.comEXECUTIVE OFFICES / P.OBOX / CINCINNATI, OHIO 45201-/ TEL(513) 943-
[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 [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Please find our response attachedthank you.August 6, [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 the complaint from [redacted] which we received on August 5, [redacted] ***’s claim was received on May 11, and was inspected on May 18, Therewas interior damage due to rain leakage with no evidence of covered exterior damage that hadcaused the interior damage [redacted] ***’s policy has an exclusion for damage caused by “loss thatresults from seepage or leakage of rain, sleet, ice or snow, whether or not wind-driven, unlesscaused by a PERIL INSURED AGAINST.” There was also a crack noted on a bedroom ceiling andthe policy carries an exclusion for “loss that results from settling, cracking, shrinking, bulging orexpansion of pavements, patios, foundations, wall, floors, roofs or ceilings”During theinspection, no exterior damage was noted under, around or on top of the homeA denial wasissued both verbally and by letter on May 18, to [redacted] ***.On June 8, 2015, we received a letter from [redacted] ***’s attorney advising they did not agree withour coverage decision and requested paymentWe acknowledged the letter and haveexchanged communication with her attorney since thenWe have received a contractor’sestimate from her attorney and on July 30, 2015, we requested to be able to meet with theattorney and / or contractor for a re-inspection of her property to review the scope and cause ofthe damagesWe are currently waiting on a response to this request from [redacted] ***’s attorney.EXECUTIVE OFFICES/ MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.OBOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL800-375-[redacted] contacted the handling adjusters on August 4, 2015, but he had to tell her that he wasnot allowed to discuss the claim with her since she was represented by an attorneyIf we canget permission to meet with the involved parties for a re-inspection, we will be glad to reviewour original coverage decision.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 CompanyPhone513-688-Faxmp [redacted] @amig.com
Re***al response, October 10,2016: On September 15, 2016, the claim was reviewed again by Mr [redacted] ’s Examiner, Ms [redacted] ***At that time, it was discovered that the incorrect payment amount was issuedWe immediately issued another payment in the amount of $that was owed to Mr [redacted] Ms [redacted] tried to contact Mr [redacted] by telephone, but was unsuccessful and left a voice mail message detailing the error and explaining the issuance of the additional amountAdditionally, she requested that he contact her directly with any questions and provided her contact informationI trust that this matter has been addressed to your satisfactionHowever, should you have any questions or concerns, please do not hesitate to contact our officeSincerely, AMERICAN FAMILY HOME INSURANCE [redacted] *** [redacted] [redacted] [redacted] [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 See attached document Regards, [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 [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]
I am responding to your letter received in our office on July 25, 2016, regarding the above mentioned insured.The rate changes experienced over the last couple of years for this policyholder were due to a number of different changesHowever, none of the changes were due to any claim activity.The rate changes between the and renewal were due to several program changesWe changed rates for this territory to get closer to the North Carolina Rating Bureau (NCRB) ratesWe are still just slightly below NCRB ratesThe policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $123,to $125,in order to keep up with the cost of replacing their covered propertyThis increase in limits resulted in a portion of the changeIn addition, the included Personal Property limit was changed from 50% of the Dwelling limit to 30%, so the policyholder saw an increase in their Personal Property premium as the Personal Property limit was kept at the same 50% level, but they are now charged for the additional 20% of coverageAlso, since the Replacement Cost coverages for the home and personal property are a percentage of the Dwelling and Personal Property premium, those increased as wellFinally, there was a slight increase in the Personal Liability premium as the included limit changed to $25,000, so the premium increased to get to the customer’s limit of $100,A notice was included on the policy informing the customer of the Personal Property and Personal Liability included limit change and the impact of this change.Between the and renewal, the North Carolina Rate Bureau implemented new rates which included a rate increase for some customersThis rate change became effective 10/1/This rate change also included a change in the rating territories and the county where this policyholder is located was moved to a higher rated territoryHowever, all individual rates and options for this policy were equal to the NCRB’s previous rates and are still equal to the recently implemented NCRB ratesOnce again the policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $125,to $128,in order to keep up with the cost of replacing their covered propertyThis increase in limits resulted in a portion of the changeSince both the Dwelling and Personal Property premium increased, the Replacement Cost and Personal Property Replacement Cost premium increased as wellFinally, the overall increase in premium was also due to a rate correction on your prior termThe deductible credit on the prior term allowed for a larger credit than was intendedThis miscalculation has since been corrected and the proper credit amount has been applied to your renewal termNotices for both the Personal Property and Personal Liability included limit change as well as the Deductible correction were included on the policy informing the policyholder of the impact of these changes.I hope this response will bring closure to our correspondenceShould you have additional questions, please feel free to contact me via e-mail at [email protected] or at [redacted] *** Thank you [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 Dear [redacted] ***, Thank you for your assistant on this matter The dispute was cancelled after I received the check However, the check was returned from my bank because AMIG put stop payment on the check (attached the letters) I was charged for $because of stop payment actionAs I have emailed and called AMIG customer service many times to let them know [redacted] (Credit card Company) has funding available for American Modern to withdraw since May "The merchant's bank needs to withdraw the funding from the holding account The funding is available for merchant to withdraw.” [redacted] card bank statedThe cost of the insurance policy is $that is the amount I paid to the credit card companyThe cancelation of the policy refund is $ AMIG should receive $of the service after refund my one year payment That said AMIG should collect the payment $of the sales and refund my portion of $ [redacted] card bank did not sale the product or service to me hence they cannot refund $to me and AMIG entitled to receive $of the sales in this transactionPlease let me know if there is anything I can do to resolve this matter Thanks and Regards, [redacted] **
I am responding to your letter that was received in our office on April 6, 2016, regarding the above mentioned policy.Our website is generic and in most states the car club discount is 10%. We do have the following disclaimer on our website:“Coverage is subject to policy terms, conditions,... limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA American Modern Insurance Company (Lic. No 2222-8)”.However, in light of your inquiry we plan to reference the disclaimer about this and other discounts in a more prominent fashion.If you should have any additional questions, please feel free to contact me at [redacted] or by phone at 1-800- [redacted] , extension ***.Sincerely, [redacted] American Family Home Insurance Company
July 22, 2015Attn: [redacted] ***Cincinnati Revdex.comRE: File Number: [redacted] Insured: [redacted] Policy Number: [redacted] Dear [redacted] ***:I am responding to your letter that was received in our office on July 17, 2015, regarding the above mentionedpolicy.Our records show that [redacted] contacted us on June 22, to cancel their policy because theywere moving into a home [redacted] issued a refund check# [redacted] for $to [redacted] onJune 25, Our records show that it was mailed to [redacted] ***shortly thereafter.The policy was cancelled with an effective date of June 22, If for some reason the refund check stillhasn’t been received please have [redacted] contact [redacted] directly to advise.If you should have any additional questions, please feel free to contact me at [redacted] orby phone at [redacted] extension ***.Sincerely,Mellisa A [redacted] SrCompany Authority & Market Conduct Specialist
Please find attached response.American Modern Select Insurance CompanyJanuary 25, 2016Cincinnati Revdex.comAttn: [redacted] ***Marketplace Resource Consultant [redacted] @cincinnati.Revdex.com.orgRE: Insured: [redacted] Cause of Loss: Appliance/Plumbing Failure withClaim Number: [redacted] ensuing water damage Date of Loss: July 18, 2013Policy Number: [redacted] Dear [redacted] ***:Thank you for your letter regarding [redacted] ’s concerns with damage to her homeWe appreciateyour effort to assist and facilitate communication in the matter.It is our policy not to disclose personal claims information to other partiesWe are contacting Ms.Lambert to discuss her concerns and will endeavor to resolve this matter amicably.If you have any further questions or if any further issues arise, please contact me at [redacted] ext:***I will be happy to assist in any way that I can.Sincerely,American Modern Select Insurance CompanyMisty F
*SupervisorPhone: [redacted] ***Fax: 513-947-4469Email: m***@amig.comEXECUTIVE OFFICES / P.OBOX / CINCINNATI, OHIO 45201-/ TEL(513) 943-
[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 [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Please find our response attachedthank you.August 6, [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 the complaint from [redacted] which we received on August 5, [redacted] ***’s claim was received on May 11, and was inspected on May 18, Therewas interior damage due to rain leakage with no evidence of covered exterior damage that hadcaused the interior damage [redacted] ***’s policy has an exclusion for damage caused by “loss thatresults from seepage or leakage of rain, sleet, ice or snow, whether or not wind-driven, unlesscaused by a PERIL INSURED AGAINST.” There was also a crack noted on a bedroom ceiling andthe policy carries an exclusion for “loss that results from settling, cracking, shrinking, bulging orexpansion of pavements, patios, foundations, wall, floors, roofs or ceilings”During theinspection, no exterior damage was noted under, around or on top of the homeA denial wasissued both verbally and by letter on May 18, to [redacted] ***.On June 8, 2015, we received a letter from [redacted] ***’s attorney advising they did not agree withour coverage decision and requested paymentWe acknowledged the letter and haveexchanged communication with her attorney since thenWe have received a contractor’sestimate from her attorney and on July 30, 2015, we requested to be able to meet with theattorney and / or contractor for a re-inspection of her property to review the scope and cause ofthe damagesWe are currently waiting on a response to this request from [redacted] ***’s attorney.EXECUTIVE OFFICES/ MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.OBOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL800-375-[redacted] contacted the handling adjusters on August 4, 2015, but he had to tell her that he wasnot allowed to discuss the claim with her since she was represented by an attorneyIf we canget permission to meet with the involved parties for a re-inspection, we will be glad to reviewour original coverage decision.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 CompanyPhone513-688-Faxmp [redacted] @amig.com
Re***al response, October 10,2016: On September 15, 2016, the claim was reviewed again by Mr [redacted] ’s Examiner, Ms [redacted] ***At that time, it was discovered that the incorrect payment amount was issuedWe immediately issued another payment in the amount of $that was owed to Mr [redacted] Ms [redacted] tried to contact Mr [redacted] by telephone, but was unsuccessful and left a voice mail message detailing the error and explaining the issuance of the additional amountAdditionally, she requested that he contact her directly with any questions and provided her contact informationI trust that this matter has been addressed to your satisfactionHowever, should you have any questions or concerns, please do not hesitate to contact our officeSincerely, AMERICAN FAMILY HOME INSURANCE [redacted] *** [redacted] [redacted] [redacted] [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 See attached document Regards, [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 [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]
I am responding to your letter received in our office on July 25, 2016, regarding the above mentioned insured.The rate changes experienced over the last couple of years for this policyholder were due to a number of different changesHowever, none of the changes were due to any claim activity.The rate changes between the and renewal were due to several program changesWe changed rates for this territory to get closer to the North Carolina Rating Bureau (NCRB) ratesWe are still just slightly below NCRB ratesThe policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $123,to $125,in order to keep up with the cost of replacing their covered propertyThis increase in limits resulted in a portion of the changeIn addition, the included Personal Property limit was changed from 50% of the Dwelling limit to 30%, so the policyholder saw an increase in their Personal Property premium as the Personal Property limit was kept at the same 50% level, but they are now charged for the additional 20% of coverageAlso, since the Replacement Cost coverages for the home and personal property are a percentage of the Dwelling and Personal Property premium, those increased as wellFinally, there was a slight increase in the Personal Liability premium as the included limit changed to $25,000, so the premium increased to get to the customer’s limit of $100,A notice was included on the policy informing the customer of the Personal Property and Personal Liability included limit change and the impact of this change.Between the and renewal, the North Carolina Rate Bureau implemented new rates which included a rate increase for some customersThis rate change became effective 10/1/This rate change also included a change in the rating territories and the county where this policyholder is located was moved to a higher rated territoryHowever, all individual rates and options for this policy were equal to the NCRB’s previous rates and are still equal to the recently implemented NCRB ratesOnce again the policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $125,to $128,in order to keep up with the cost of replacing their covered propertyThis increase in limits resulted in a portion of the changeSince both the Dwelling and Personal Property premium increased, the Replacement Cost and Personal Property Replacement Cost premium increased as wellFinally, the overall increase in premium was also due to a rate correction on your prior termThe deductible credit on the prior term allowed for a larger credit than was intendedThis miscalculation has since been corrected and the proper credit amount has been applied to your renewal termNotices for both the Personal Property and Personal Liability included limit change as well as the Deductible correction were included on the policy informing the policyholder of the impact of these changes.I hope this response will bring closure to our correspondenceShould you have additional questions, please feel free to contact me via e-mail at [email protected] or at [redacted] *** Thank you [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 Dear [redacted] ***, Thank you for your assistant on this matter The dispute was cancelled after I received the check However, the check was returned from my bank because AMIG put stop payment on the check (attached the letters) I was charged for $because of stop payment actionAs I have emailed and called AMIG customer service many times to let them know [redacted] (Credit card Company) has funding available for American Modern to withdraw since May "The merchant's bank needs to withdraw the funding from the holding account The funding is available for merchant to withdraw.” [redacted] card bank statedThe cost of the insurance policy is $that is the amount I paid to the credit card companyThe cancelation of the policy refund is $ AMIG should receive $of the service after refund my one year payment That said AMIG should collect the payment $of the sales and refund my portion of $ [redacted] card bank did not sale the product or service to me hence they cannot refund $to me and AMIG entitled to receive $of the sales in this transactionPlease let me know if there is anything I can do to resolve this matter Thanks and Regards, [redacted] **