Good afternoon,
Please find attached our company response.
If you should have any questions, please don't hesitate to contact me.
Sincerely,
Mellisa A[redacted]
July 29, 2015Cincinnati Revdex.com Suite 600 1 E 4th Street Cincinnati, OH 45202RE: File Number: [redacted]Insured:...
[redacted] Policy Number: [redacted] NAIC Number: [redacted]Dear [redacted]:I am responding to your letter that was received in our office on July 24, 2015, regarding the above mentioned policy.Our records indicate that [redacted] requested a policy on July 21, 2015 with a requested effective date of July 22, 2015. A payment in the amount of $24.67 was paid for the first installment to start the policy on July 21, 2015. This payment consisted of a premium payment of $22.17 plus a $2.50 service charge to draft the payment.[redacted] contacted our office by email on July 22, 2015 and requested that the policy be cancelled effective July 22, 2015 as she had found better coverage. The policy was cancelled effective July 22, 2015 and a refund in the amount of $22.17 was sent to [redacted] on July 23,2015. The service charge is a non-refundable charge, however I have requested that an additional refund for $2.50 be sent to [redacted].If you should have any additional questions, please feel free to contact Mellisa A[redacted] at [redacted] or by phone at 1-800-759-9008 extension [redacted].Sincerely,Lisa J[redacted] Team Specialist American Family Home Insurance Company
September 28, 2016 [redacted]
[redacted]
[redacted]
[redacted]
Complainant: [redacted] Policy Number: [redacted] Our Claim Number: [redacted] Company: American Modern Home Insurance Your ID: [redacted] Dear Ms. [redacted] Please allow this letter to serve as acknowledgement of receipt of your correspondence dated September 21, 2016, regarding the complaint filed with your office by our insured, Mr. [redacted]. I reviewed the complaint by Mr. [redacted], regarding the alleged lack of customer satisfaction. Mr. [redacted] filed the claim on August 30, 2016 and was contacted by our adjuster, [redacted], the next day. At that time, Mr. [redacted] was advised proof of ownership would be needed to process his claim and confirmation of the same was provided to him via e-mail and letter. Mr. [redacted] was also provided examples of the types of documents that would suffice as proof of ownership. After several e-mail correspondences to Mr. [redacted] to follow-up on our request for documentation in support of proof of ownership, our adjuster e-mailed Mr. [redacted] on 09/08/16 referencing the language in Mr. [redacted]’s policy that requires this information be submitted when a claim is presented. At this time, our claim file remains open pending receipt of sufficient documentation to support his proof of ownership of the items being claimed. Once received, we can move forward with the proper disposition of his claim. I trust that this matter has been addressed to your satisfaction. However, should you have any questions or concerns, please do not hesitate to contact our office. Sincerely, [redacted] – Cincinnati AMIG Examiner [redacted]
[redacted]
[redacted]
This is in response to complaint number [redacted] filed by our policyholder on or about July 14, 2016. We have reviewed the complaint and have ascertained that it appears to stem from a perceived delay in payment on his claim for damages to his motorcycle, which was declared a total loss as a result...
of the loss referenced above.On May 26, 2016, we received from our policyholder an itemized list of accessories that were installed on his motorcycle; this allowed us to finalize our valuation and present a settlement offer to him shortly thereafter. On June 2, a letter was mailed to our policyholder explaining the additional documentation we needed from him in order to proceed with settlement; this included the original title to his motorcycle.On June 9, he called us and advised that he was unable to locate the title and would be requesting another from the DMV. On June 22, we again spoke with our policyholder who confirmed that he had requested a new title from the DMV, and expected it to receive it soon.On or about July 1, we met with our policyholder in person to obtain the title and other required documents; this in-person meeting was done in an effort to help speed the process for him. After we were able to verify that all required documents had been received and properly completed, and subsequently processed by our salvage department – a prerequisite of payment that had been explained to our policyholder previously - payment was issued on July 19.Should you have any additional questions or concerns, please feel free to contact me.AFH Insurance Company
Our response is attached.September 3, 2015[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, 2015. 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 previouslynoted. We 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/ 7000 MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.O. BOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL. 800-375-2075
Good morning,
Please find attached our company response to file # [redacted].
Thank you
Mellisa A[redacted]October 8, 2015Attn: [redacted]Cincinnati Revdex.com1 E. 4th St. #600Cincinnati, Ohio 45202RE: File Number: [redacted]Insured: [redacted]Policy Number: [redacted]NAIC Number:...
[redacted]Dear [redacted],I am responding to your letter that was received in our office on October 1, 2015 regardingthe above mentioned policy.[redacted] contacted American Family Home Insurance Company on August 18, 2015requesting to cancel her policy effective August 1, 2015. Per her request the policy wascancelled and we issued a refund check of $1,009.54 on August 20, 2015. The refundcheck was returned by the post office as “Return to Sender”.A second refund check was issued on September 16, 2015 and it was cashed by [redacted] on September 24, 2015.We welcome the opportunity to further discuss this matter. Should you have additionalquestions, please feel free to contact Mellisa A[redacted] via e-mail [email protected] or by phone at 1-800-759-9008 extension [redacted].Sincerely,Kathrin Y[redacted]Team SpecialistAmerican Family Home Insurance Company
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 2 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]
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,
call
[redacted] I have recieved a check only for $220.30 there has been no call or message left by no one, I was told by [redacted] that the amount I would receive was $700.00 and some change along with an letter explaining why the amount would be smaller the amount issued for the lost of my items . I will never use and recommend that no one should use this company, they are unreliable and unprofessional
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 property. Specifically, Mr. [redacted] is requesting that coverage for the claim be afforded based upon the amount of time it took to investigate and conclude the claim. Please be advised that American Modern Select Insurance Company makes every effort to provide coverage when a loss occurs. Unfortunately, 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 loss. Therefore, no coverage can be extended or payment made for the damages claimed.At this time, our file remains closed with no further action necessary. However, 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 satisfaction. However, if I may be of further assistance or if you should need additional information, please contact me at [redacted].
April 21, 2015 Cincinnati Revdex.com 7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 RE: File Number: [redacted] Insured: [redacted] Policy Number: [redacted] Company: American Modem Select Insurance Company NAIC Number: 38652 Dear Ms [redacted]: I...
am responding to your letter that was received in our office on April 13, 2015, regarding the above mentioned policy. As a threshold matter, the company insuring Ms. [redacted] is American Modem Select Insurance Company, not American Modem Property and Casualty Insurance Company. I 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 record. There may have been some confusion as to which agency to contact, making it difficult for Ms. [redacted] to reach the agent. I 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 policy. If you should have any additional questions, please feel free to contact [redacted] at [redacted] or by phone at [redacted] extension [redacted]. Sincerely,[redacted],
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. [redacted].I have reviewed the complaint by Mr. [redacted], who has alleged that our claim handling process has been“unprofessional.” Mr. [redacted] filed a claim with our office on 06/13/16. Our adjuster, Mr. [redacted],made contact with Mr. [redacted] on that day and at that time explained what information was needed toprocess the claim. Mr. [redacted] then continued to follow up with Mr. [redacted] through phone calls and lettersto obtain the necessary information over the next eight (8) weeks.The requested documentation was submitted to Mr. [redacted]’s attention by Mr. [redacted] on August 15, 2016,which was reviewed and payment was issued on that date concluding the claim. Mr. [redacted] attempted toreach Mr. [redacted] by telephone to review the adjustment of the claim, but was unsuccessful. A letter wasmailed to Mr. [redacted] outlining the disposition of his claim. Subsequently, the letter was returned to ouroffice recently as the address provided by Mr. [redacted] is outdated. We have since mailed this letter again tothe correct address recently provided by Mr. [redacted].Re[redacted]al response, October 10,2016:On September 15, 2016, the claim was reviewed again by Mr. [redacted]’s Examiner, Ms. [redacted]. At thattime, it was discovered that the incorrect payment amount was issued. We immediately issued anotherpayment in the amount of $220.30 that was owed to Mr. [redacted]. Ms. [redacted] tried to contact Mr. [redacted] bytelephone, but was unsuccessful and left a voice mail message detailing the error and explaining the issuanceof the additional amount. Additionally, she requested that he contact her directly with any questions andprovided her contact information. Re[redacted]al response, October 17,2016:The Examiner on the file, [redacted], called Mr. [redacted] on October 11, 2016 and left a message explainingthat she was trying to get the claim resolved and needed to verify his address to send the payment for$742.50. Mr. [redacted] then spoke to Mr. [redacted] on October 12, 2016 and offered to resend the remainingpayment by Fed Ex to the correct address. The payment was delivered to Mr. [redacted] on October 14, 2016.I trust that this matter has been addressed to your satisfaction. However, should you have any questions orconcerns, please do not hesitate to contact our office.Sincerely,AMERICAN FAMILY HOME INSURANCEJ[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.
I was out of park the beginning of 2011 when I moved into the home. It was never in a park, so that's a false charge. And why are these new charges added when my home obviously had no changes.[redacted] insurance quoted me at 52.10 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 1.9 percent increase by the state it would only raise it by 9.00 per month, not 35.00
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
Dear [redacted],
Thank you for your assistant on this
matter.
I spoke to [redacted] the credit card company, the
process is for merchant AMIG to withdraw the available funding [redacted] provided on
the bank holding account US$266. AMIG
should keep $and refund me $258.02.
That is the refund process for merchant.
If AMIG willing to perform the above action
then issue can be resolved. At this
moment, I'm being punished by cancelation of the insurance policy
Please let me know if there is anything I can
do to resolve this matter.
Thanks and Regards,
[redacted]
[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]
Good morning,Please find attached our company response to Ms. Iwen's concerns.Thank youMellisa A[redacted]July 31, 2017Revdex.com1 E. 4th, Suite 600Cincinnati, OH 45202Attn: [redacted] Re: ID Number: [redacted] Complainant: [redacted] Policy No.: [redacted] Inception...
Date: March 23, 2017 Company: American Modern Home Insurance Company; [redacted]: [redacted]Dear [redacted],We are in receipt of your correspondence of July 25, 2017. 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, 2017 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 day. On April 19, 2017, a pro-rated refund for $258.02 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 $266.00 and on April 24, 2017, our account was debited $266.00 due to thedisputed transaction. To 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. [redacted].Sincerely,Mellisa A[redacted]Sr. Compliance Specialist
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]
[redacted]'s toll free number is [redacted] and the case number with [redacted] is [redacted], in previous letters given it states the dates that we have received the disputes and the dates funds were taken. American Modern received the charge back on 4-24-17 received notification from [redacted] that [redacted] disputed the money, so they went ahead and drafted it from our account $266, when they drafted it that authorization code was [redacted]. 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 $266 was sweeped from American Modern Home Insurance Company's home account and they no longer have access to the funds. Entity number: [redacted]Trans Reference/Fund Reference: [redacted]A reference number listed on the merchant chargeback notice is: [redacted].
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[redacted]Claims Supervisor IIAmerican Family Home Insurance Company
Good morning,Please find attached our company response.Thank youMellisa A[redacted]August 8, 2017Revdex.com1 E. 4th, Suite 600Cincinnati, OH 45202Attn: [redacted] Re: Complaint ID No.: [redacted] Complainant: [redacted] Policy No.: [redacted] Inception Date: March 23, 2017 Company: American Modern Home Insurance Company; [redacted]Dear [redacted],We are in receipt of your correspondence of August 1, 2017. 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] then notified American Modern Home on April 24, 2017, of the dispute. Atthat time American Modern Home approved the reversal of the $266.00 payment on April26, 2017.As of the writing of this letter, the $266.00 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. [redacted].Sincerely,Mellisa A[redacted]Sr. Compliance Specialist
Good afternoon,
Please find attached our company response.
If you should have any questions, please don't hesitate to contact me.
Sincerely,
Mellisa A[redacted]
July 29, 2015Cincinnati Revdex.com Suite 600 1 E 4th Street Cincinnati, OH 45202RE: File Number: [redacted]Insured:...
[redacted] Policy Number: [redacted] NAIC Number: [redacted]Dear [redacted]:I am responding to your letter that was received in our office on July 24, 2015, regarding the above mentioned policy.Our records indicate that [redacted] requested a policy on July 21, 2015 with a requested effective date of July 22, 2015. A payment in the amount of $24.67 was paid for the first installment to start the policy on July 21, 2015. This payment consisted of a premium payment of $22.17 plus a $2.50 service charge to draft the payment.[redacted] contacted our office by email on July 22, 2015 and requested that the policy be cancelled effective July 22, 2015 as she had found better coverage. The policy was cancelled effective July 22, 2015 and a refund in the amount of $22.17 was sent to [redacted] on July 23,2015. The service charge is a non-refundable charge, however I have requested that an additional refund for $2.50 be sent to [redacted].If you should have any additional questions, please feel free to contact Mellisa A[redacted] at [redacted] or by phone at 1-800-759-9008 extension [redacted].Sincerely,Lisa J[redacted] Team Specialist American Family Home Insurance Company
September 28, 2016 [redacted]
[redacted]
[redacted]
[redacted]
Complainant: [redacted] Policy Number: [redacted] Our Claim Number: [redacted] Company: American Modern Home Insurance Your ID: [redacted] Dear Ms. [redacted] Please allow this letter to serve as acknowledgement of receipt of your correspondence dated September 21, 2016, regarding the complaint filed with your office by our insured, Mr. [redacted]. I reviewed the complaint by Mr. [redacted], regarding the alleged lack of customer satisfaction. Mr. [redacted] filed the claim on August 30, 2016 and was contacted by our adjuster, [redacted], the next day. At that time, Mr. [redacted] was advised proof of ownership would be needed to process his claim and confirmation of the same was provided to him via e-mail and letter. Mr. [redacted] was also provided examples of the types of documents that would suffice as proof of ownership. After several e-mail correspondences to Mr. [redacted] to follow-up on our request for documentation in support of proof of ownership, our adjuster e-mailed Mr. [redacted] on 09/08/16 referencing the language in Mr. [redacted]’s policy that requires this information be submitted when a claim is presented. At this time, our claim file remains open pending receipt of sufficient documentation to support his proof of ownership of the items being claimed. Once received, we can move forward with the proper disposition of his claim. I trust that this matter has been addressed to your satisfaction. However, should you have any questions or concerns, please do not hesitate to contact our office. Sincerely, [redacted] – Cincinnati AMIG Examiner [redacted]
[redacted]
[redacted]
This is in response to complaint number [redacted] filed by our policyholder on or about July 14, 2016. We have reviewed the complaint and have ascertained that it appears to stem from a perceived delay in payment on his claim for damages to his motorcycle, which was declared a total loss as a result...
of the loss referenced above.On May 26, 2016, we received from our policyholder an itemized list of accessories that were installed on his motorcycle; this allowed us to finalize our valuation and present a settlement offer to him shortly thereafter. On June 2, a letter was mailed to our policyholder explaining the additional documentation we needed from him in order to proceed with settlement; this included the original title to his motorcycle.On June 9, he called us and advised that he was unable to locate the title and would be requesting another from the DMV. On June 22, we again spoke with our policyholder who confirmed that he had requested a new title from the DMV, and expected it to receive it soon.On or about July 1, we met with our policyholder in person to obtain the title and other required documents; this in-person meeting was done in an effort to help speed the process for him. After we were able to verify that all required documents had been received and properly completed, and subsequently processed by our salvage department – a prerequisite of payment that had been explained to our policyholder previously - payment was issued on July 19.Should you have any additional questions or concerns, please feel free to contact me.AFH Insurance Company
Our response is attached.September 3, 2015[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, 2015. 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 previouslynoted. We 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/ 7000 MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.O. BOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL. 800-375-2075
Good morning,
Please find attached our company response to file # [redacted].
Thank you
Mellisa A[redacted]October 8, 2015Attn: [redacted]Cincinnati Revdex.com1 E. 4th St. #600Cincinnati, Ohio 45202RE: File Number: [redacted]Insured: [redacted]Policy Number: [redacted]NAIC Number:...
[redacted]Dear [redacted],I am responding to your letter that was received in our office on October 1, 2015 regardingthe above mentioned policy.[redacted] contacted American Family Home Insurance Company on August 18, 2015requesting to cancel her policy effective August 1, 2015. Per her request the policy wascancelled and we issued a refund check of $1,009.54 on August 20, 2015. The refundcheck was returned by the post office as “Return to Sender”.A second refund check was issued on September 16, 2015 and it was cashed by [redacted] on September 24, 2015.We welcome the opportunity to further discuss this matter. Should you have additionalquestions, please feel free to contact Mellisa A[redacted] via e-mail [email protected] or by phone at 1-800-759-9008 extension [redacted].Sincerely,Kathrin Y[redacted]Team SpecialistAmerican Family Home Insurance Company
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 2 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]
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,
call
[redacted] I have recieved a check only for $220.30 there has been no call or message left by no one, I was told by [redacted] that the amount I would receive was $700.00 and some change along with an letter explaining why the amount would be smaller the amount issued for the lost of my items . I will never use and recommend that no one should use this company, they are unreliable and unprofessional
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 property. Specifically, Mr. [redacted] is requesting that coverage for the claim be afforded based upon the amount of time it took to investigate and conclude the claim. Please be advised that American Modern Select Insurance Company makes every effort to provide coverage when a loss occurs. Unfortunately, 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 loss. Therefore, no coverage can be extended or payment made for the damages claimed.At this time, our file remains closed with no further action necessary. However, 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 satisfaction. However, if I may be of further assistance or if you should need additional information, please contact me at [redacted].
April 21, 2015 Cincinnati Revdex.com 7 West 7th Street, Ste. 1600 Cincinnati, OH 45202 RE: File Number: [redacted] Insured: [redacted] Policy Number: [redacted] Company: American Modem Select Insurance Company NAIC Number: 38652 Dear Ms [redacted]: I...
am responding to your letter that was received in our office on April 13, 2015, regarding the above mentioned policy. As a threshold matter, the company insuring Ms. [redacted] is American Modem Select Insurance Company, not American Modem Property and Casualty Insurance Company. I 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 record. There may have been some confusion as to which agency to contact, making it difficult for Ms. [redacted] to reach the agent. I 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 policy. If you should have any additional questions, please feel free to contact [redacted] at [redacted] or by phone at [redacted] extension [redacted]. Sincerely,[redacted],
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. [redacted].I have reviewed the complaint by Mr. [redacted], who has alleged that our claim handling process has been“unprofessional.” Mr. [redacted] filed a claim with our office on 06/13/16. Our adjuster, Mr. [redacted],made contact with Mr. [redacted] on that day and at that time explained what information was needed toprocess the claim. Mr. [redacted] then continued to follow up with Mr. [redacted] through phone calls and lettersto obtain the necessary information over the next eight (8) weeks.The requested documentation was submitted to Mr. [redacted]’s attention by Mr. [redacted] on August 15, 2016,which was reviewed and payment was issued on that date concluding the claim. Mr. [redacted] attempted toreach Mr. [redacted] by telephone to review the adjustment of the claim, but was unsuccessful. A letter wasmailed to Mr. [redacted] outlining the disposition of his claim. Subsequently, the letter was returned to ouroffice recently as the address provided by Mr. [redacted] is outdated. We have since mailed this letter again tothe correct address recently provided by Mr. [redacted].Re[redacted]al response, October 10,2016:On September 15, 2016, the claim was reviewed again by Mr. [redacted]’s Examiner, Ms. [redacted]. At thattime, it was discovered that the incorrect payment amount was issued. We immediately issued anotherpayment in the amount of $220.30 that was owed to Mr. [redacted]. Ms. [redacted] tried to contact Mr. [redacted] bytelephone, but was unsuccessful and left a voice mail message detailing the error and explaining the issuanceof the additional amount. Additionally, she requested that he contact her directly with any questions andprovided her contact information. Re[redacted]al response, October 17,2016:The Examiner on the file, [redacted], called Mr. [redacted] on October 11, 2016 and left a message explainingthat she was trying to get the claim resolved and needed to verify his address to send the payment for$742.50. Mr. [redacted] then spoke to Mr. [redacted] on October 12, 2016 and offered to resend the remainingpayment by Fed Ex to the correct address. The payment was delivered to Mr. [redacted] on October 14, 2016.I trust that this matter has been addressed to your satisfaction. However, should you have any questions orconcerns, please do not hesitate to contact our office.Sincerely,AMERICAN FAMILY HOME INSURANCEJ[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.
I was out of park the beginning of 2011 when I moved into the home. It was never in a park, so that's a false charge. And why are these new charges added when my home obviously had no changes.[redacted] insurance quoted me at 52.10 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 1.9 percent increase by the state it would only raise it by 9.00 per month, not 35.00
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
Dear [redacted],
Thank you for your assistant on this
matter.
I spoke to [redacted] the credit card company, the
process is for merchant AMIG to withdraw the available funding [redacted] provided on
the bank holding account US$266. AMIG
should keep $and refund me $258.02.
That is the refund process for merchant.
If AMIG willing to perform the above action
then issue can be resolved. At this
moment, I'm being punished by cancelation of the insurance policy
Please let me know if there is anything I can
do to resolve this matter.
Thanks and Regards,
[redacted]
[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]
Good morning,Please find attached our company response to Ms. Iwen's concerns.Thank youMellisa A[redacted]July 31, 2017Revdex.com1 E. 4th, Suite 600Cincinnati, OH 45202Attn: [redacted] Re: ID Number: [redacted] Complainant: [redacted] Policy No.: [redacted] Inception...
Date: March 23, 2017 Company: American Modern Home Insurance Company; [redacted]: [redacted]Dear [redacted],We are in receipt of your correspondence of July 25, 2017. 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, 2017 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 day. On April 19, 2017, a pro-rated refund for $258.02 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 $266.00 and on April 24, 2017, our account was debited $266.00 due to thedisputed transaction. To 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. [redacted].Sincerely,Mellisa A[redacted]Sr. Compliance Specialist
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]
[redacted]'s toll free number is [redacted] and the case number with [redacted] is [redacted], in previous letters given it states the dates that we have received the disputes and the dates funds were taken. American Modern received the charge back on 4-24-17 received notification from [redacted] that [redacted] disputed the money, so they went ahead and drafted it from our account $266, when they drafted it that authorization code was [redacted]. 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 $266 was sweeped from American Modern Home Insurance Company's home account and they no longer have access to the funds. Entity number: [redacted]Trans Reference/Fund Reference: [redacted]A reference number listed on the merchant chargeback notice is: [redacted].
Good morning,Please find attached our company response.If you should have any questions, please don't hesitate to contact me.Sincerely,[redacted]
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[redacted]Claims Supervisor IIAmerican Family Home Insurance Company
Good morning,Please find attached our company response.Thank youMellisa A[redacted]August 8, 2017Revdex.com1 E. 4th, Suite 600Cincinnati, OH 45202Attn: [redacted] Re: Complaint ID No.: [redacted] Complainant: [redacted] Policy No.: [redacted] Inception Date: March 23, 2017 Company: American Modern Home Insurance Company; [redacted]Dear [redacted],We are in receipt of your correspondence of August 1, 2017. 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] then notified American Modern Home on April 24, 2017, of the dispute. Atthat time American Modern Home approved the reversal of the $266.00 payment on April26, 2017.As of the writing of this letter, the $266.00 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. [redacted].Sincerely,Mellisa A[redacted]Sr. Compliance Specialist
See attached response.