Re[redacted]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 issued. We immediately issued another payment in the amount of $220.30 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 amount. Additionally, she requested that he contact her directly with any questions and provided her contact information. 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, AMERICAN FAMILY HOME INSURANCE [redacted] [redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Good morning [redacted],I have reviewed over this complaint and I doesn't think it belongs to our company. Our 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.
Please find our response attached. Thank you-Upon further review of the inspection report and the contractor’s estimate I can see that thefinished flooring would be damaged from the flooding and ductwork would need to berepaired. Jenny has worked up a supplemental payment based upon the estimate...
submittedby [redacted] and the repair estimate to the condensing unit that was included in thedepartment of insurance complaint from [redacted]. Adding together these tworepair estimates brings the cost of repair to a total of $22,770 l[redacted] $2,412.86 in depreciationl[redacted] the $1,000 policy deductible and $5,535.98 already paid bringing a total supplementalpayment to $13,821.16. We received a lump sum estimate for ductwork, insulation and thevapor barrier from [redacted]. Jenny has requested from [redacted] an itemized estimate for these threeitems since we have paid for repairs to the insulation under [redacted]’s estimate.Once we have received a revised estimate from [redacted] we will work up an additionalsupplemental for the outstanding items.If you have any questions or need further information, please contact the undersigned at 1-800-375-2075 ext. [redacted].Sincerely,AMERICAN WESTERN HOME INSURANCE AGENCYCathy W[redacted]Claims Supervisor
Our response is attached. August 17, 2015Revdex.comAttn: [redacted]RE: Our Claim #: [redacted]Loss Date: February 25, 2014Your File #: [redacted]Dear [redacted]:I am writing in response to the above referenced customer concern, which was received in our office on August 17,...
2015.My review of the information submitted to your office indicates the primary concern of the customer was our coveragedecision for the above referenced claim. I have reviewed our claim file, and noted the following information from ourinspection of his home: Water stains in the master bedroom ceiling in the proximity where the plumbing vent pipeWater stains to the ceiling in the left rear bedroom cornerThe roof has areas that had been tarred previously, but appear to be leaking. No evidence found of any sudden or direct openings in the roof in the areas over or proximate to the portions of thehome with interior water damageOur coverage determination was communicated in writing on March 30, 2014. The basis of our coverage declination werethe following two exclusions under the policy: Loss or damage due and confined to wear and tear, freezing, neglect or mechanical or electrical breakdown orfailure, or manufacturer defectLoss or damage due and confined to leakage from rain, sleet or snow or its resulting damage whether or not winddrivenAs the cause of the damage was based on wear and tear / leakage of rain in the absence of damage to the roof from acovered peril, coverage was respectfully denied under the policy. Based on my review of the information, I must concludethat the decision was accurate and absent any additional or new information must respectfully maintain our originalcoverage decision.Please do not hesitate to contact us should you have any questions, concerns or any additional information for furtherconsideration.Sincerely,Paul S[redacted]Claims Supervisor IIAmerican Family Home Insurance Company
Consumers County Mutual Insurance Company7000 Midland BoulevardAmelia, OH 45102-2607800.543.2644June 30, 2015Cincinnati Revdex.com1 E. 4th 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, 2015 a policy was issued for the policyholder which included Personal InjuryProtection (PIP) coverage. A request for the signed selection form was sent to thepolicyholder on May 6, 2015 and again on May 13, 2015. Notice of cancellation was senton May 22, 2015 because the previously requested form had not been received.Consumers County Mutual Insurance Company received the PIP selection form on June2, 2015. A review of the form and policy revealed the policyholder does not carry PIPcoverage on their daily auto policy. In 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 policy. Therefore, 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 correspondence. Should you have additionalquestions, please feel free to contact Mellisa A[redacted] via e-mail at[redacted] or at [redacted].Sincerely,Mike P[redacted], Underwriting AnalystConsumers County Mutual Insurance Company
NAIC#: [redacted],This letter is our response to the complaint from [redacted] which we received on August 5,2015. [redacted]’s claim was received on May 11, 2015 and was inspected on May 18, 2015. 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 home. A denial wasissued both verbally and by letter on May 18, 2015 to [redacted].On June 8, 2015, we received a letter from [redacted]’s attorney advising they did not agree withour coverage decision and requested payment. We acknowledged the letter and haveexchanged communication with her attorney since then. We 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 damages. We are currently waiting on a response to this request from [redacted]’s attorney.EXECUTIVE OFFICES/ 7000 MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.O. BOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL. 800-375-2075[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 attorney. If 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 Company877.449.4405 Phone513-688-3418 Faxmp[redacted]@amig.com
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]
[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 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]
[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]
[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]
P.S.: Simple lack of communication, past agent did not inform this party that he was leaving until he had left. New agent (local - even better!) straightened the confusion out. Thank you for your assistance.
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 changes. However, none of the changes were due to any claim activity.The...
rate changes between the 2014 and 2015 renewal were due to several program changes. We changed rates for this territory to get closer to the North Carolina Rating Bureau (NCRB) rates. We are still just slightly below NCRB rates. The policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $123,277 to $125,743 in order to keep up with the cost of replacing their covered property. This increase in limits resulted in a portion of the change. In 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 coverage. Also, since the Replacement Cost coverages for the home and personal property are a percentage of the Dwelling and Personal Property premium, those increased as well. Finally, 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 $100,000. 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 2015 and 2016 renewal, the North Carolina Rate Bureau implemented new rates which included a rate increase for some customers. This rate change became effective 10/1/2015. 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 territory. However, 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 rates. Once again the policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $125,743 to $128,258 in order to keep up with the cost of replacing their covered property. This increase in limits resulted in a portion of the change. Since both the Dwelling and Personal Property premium increased, the Replacement Cost and Personal Property Replacement Cost premium increased as well. Finally, the overall increase in premium was also due to a rate correction on your prior term. The deductible credit on the prior term allowed for a larger credit than was intended. This miscalculation has since been corrected and the proper credit amount has been applied to your renewal term. Notices 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 correspondence. Should you have additional questions, please feel free to contact me via e-mail at [email protected] or at [redacted] Thank you[redacted]
This letter will acknowledge
receipt of the correspondence from you on April 29th, 2016. We received this claim filed by
the insured, Quicken Loan Inc on March 11th, 2016. 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 adjuster. The inspection completed
confirmed interior water damage from the roof was found to a bedroom. The
inspection of the roof found that one slope was replaced and is newer than the
other slope. No wind or hail damage was found to the newer slope of the roof
and it was found to be in good condition. The inspection of the older slope
found no evidence of wind or hail damage. The slope was found to be worn and
deteriorated due to age and wear and tear. This resulted in water to seep and
cause damage to the bedroom. Upon review of the inspection
report and the policy it was found that the roof was not covered due to age,
deterioration and wear and tear. However, the interior water damage is covered
in the policy. An estimate to repair the water damage in the bedroom was worked
up and repairs came to a total of $550.13. The policy has a deductible of
$817.00. 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
review. If you have any questions or need further information, please contact the
undersigned at [redacted] Sincerely, [redacted] Claims Supervisor
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]
[redacted]
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: [redacted]Dear [redacted],I am responding to your letter that was received...
in our office on August 31, 2015 , regarding the above mentionedpolicy.Check number [redacted] for $34.00 to cover overdraft fees was delivered to the address on file on September 2,2015 via [redacted], 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]Sr. Company Authority & Market Conduct Specialist
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]
[A default letter is provided here which indicates your acceptance of the busin[redacted]'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 attached. Thank you.
Revdex.com[redacted]
[redacted]
[redacted] ** [redacted]
Dear [redacted] :
This message is in regard to your concerns submitted on 2/4/2015 11:56:56 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 7 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 outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. Revdex.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]
MESSAGE FROM BUSINESS:
Please find our response attached. Thank you.
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, 2015 to cancel their policy because theywere moving into a home. [redacted] issued a refund check# [redacted] for $53.81 to [redacted] onJune 25, 2015. Our records show that it was mailed to [redacted]shortly thereafter.The policy was cancelled with an effective date of June 22, 2015. 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 [redacted].Sincerely,Mellisa A[redacted]Sr. Company Authority & Market Conduct Specialist
Re[redacted]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 issued. We immediately issued another payment in the amount of $220.30 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 amount. Additionally, she requested that he contact her directly with any questions and provided her contact information. 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, AMERICAN FAMILY HOME INSURANCE [redacted] [redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Good morning [redacted],I have reviewed over this complaint and I doesn't think it belongs to our company. Our 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.
Please find our response attached. Thank you-Upon further review of the inspection report and the contractor’s estimate I can see that thefinished flooring would be damaged from the flooding and ductwork would need to berepaired. Jenny has worked up a supplemental payment based upon the estimate...
submittedby [redacted] and the repair estimate to the condensing unit that was included in thedepartment of insurance complaint from [redacted]. Adding together these tworepair estimates brings the cost of repair to a total of $22,770 l[redacted] $2,412.86 in depreciationl[redacted] the $1,000 policy deductible and $5,535.98 already paid bringing a total supplementalpayment to $13,821.16. We received a lump sum estimate for ductwork, insulation and thevapor barrier from [redacted]. Jenny has requested from [redacted] an itemized estimate for these threeitems since we have paid for repairs to the insulation under [redacted]’s estimate.Once we have received a revised estimate from [redacted] we will work up an additionalsupplemental for the outstanding items.If you have any questions or need further information, please contact the undersigned at 1-800-375-2075 ext. [redacted].Sincerely,AMERICAN WESTERN HOME INSURANCE AGENCYCathy W[redacted]Claims Supervisor
Our response is attached. August 17, 2015Revdex.comAttn: [redacted]RE: Our Claim #: [redacted]Loss Date: February 25, 2014Your File #: [redacted]Dear [redacted]:I am writing in response to the above referenced customer concern, which was received in our office on August 17,...
2015.My review of the information submitted to your office indicates the primary concern of the customer was our coveragedecision for the above referenced claim. I have reviewed our claim file, and noted the following information from ourinspection of his home: Water stains in the master bedroom ceiling in the proximity where the plumbing vent pipeWater stains to the ceiling in the left rear bedroom cornerThe roof has areas that had been tarred previously, but appear to be leaking. No evidence found of any sudden or direct openings in the roof in the areas over or proximate to the portions of thehome with interior water damageOur coverage determination was communicated in writing on March 30, 2014. The basis of our coverage declination werethe following two exclusions under the policy: Loss or damage due and confined to wear and tear, freezing, neglect or mechanical or electrical breakdown orfailure, or manufacturer defectLoss or damage due and confined to leakage from rain, sleet or snow or its resulting damage whether or not winddrivenAs the cause of the damage was based on wear and tear / leakage of rain in the absence of damage to the roof from acovered peril, coverage was respectfully denied under the policy. Based on my review of the information, I must concludethat the decision was accurate and absent any additional or new information must respectfully maintain our originalcoverage decision.Please do not hesitate to contact us should you have any questions, concerns or any additional information for furtherconsideration.Sincerely,Paul S[redacted]Claims Supervisor IIAmerican Family Home Insurance Company
Consumers County Mutual Insurance Company7000 Midland BoulevardAmelia, OH 45102-2607800.543.2644June 30, 2015Cincinnati Revdex.com1 E. 4th 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, 2015 a policy was issued for the policyholder which included Personal InjuryProtection (PIP) coverage. A request for the signed selection form was sent to thepolicyholder on May 6, 2015 and again on May 13, 2015. Notice of cancellation was senton May 22, 2015 because the previously requested form had not been received.Consumers County Mutual Insurance Company received the PIP selection form on June2, 2015. A review of the form and policy revealed the policyholder does not carry PIPcoverage on their daily auto policy. In 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 policy. Therefore, 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 correspondence. Should you have additionalquestions, please feel free to contact Mellisa A[redacted] via e-mail at[redacted] or at [redacted].Sincerely,Mike P[redacted], Underwriting AnalystConsumers County Mutual Insurance Company
Please find our response attached. thank you.August 6, 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 the complaint from [redacted] which we received on August 5,2015. [redacted]’s claim was received on May 11, 2015 and was inspected on May 18, 2015. 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 home. A denial wasissued both verbally and by letter on May 18, 2015 to [redacted].On June 8, 2015, we received a letter from [redacted]’s attorney advising they did not agree withour coverage decision and requested payment. We acknowledged the letter and haveexchanged communication with her attorney since then. We 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 damages. We are currently waiting on a response to this request from [redacted]’s attorney.EXECUTIVE OFFICES/ 7000 MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.O. BOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL. 800-375-2075[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 attorney. If 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 Company877.449.4405 Phone513-688-3418 Faxmp[redacted]@amig.com
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]
[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 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]
[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]
[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]
P.S.: Simple lack of communication, past agent did not inform this party that he was leaving until he had left. New agent (local - even better!) straightened the confusion out. Thank you for your assistance.
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 changes. However, none of the changes were due to any claim activity.The...
rate changes between the 2014 and 2015 renewal were due to several program changes. We changed rates for this territory to get closer to the North Carolina Rating Bureau (NCRB) rates. We are still just slightly below NCRB rates. The policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $123,277 to $125,743 in order to keep up with the cost of replacing their covered property. This increase in limits resulted in a portion of the change. In 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 coverage. Also, since the Replacement Cost coverages for the home and personal property are a percentage of the Dwelling and Personal Property premium, those increased as well. Finally, 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 $100,000. 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 2015 and 2016 renewal, the North Carolina Rate Bureau implemented new rates which included a rate increase for some customers. This rate change became effective 10/1/2015. 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 territory. However, 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 rates. Once again the policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $125,743 to $128,258 in order to keep up with the cost of replacing their covered property. This increase in limits resulted in a portion of the change. Since both the Dwelling and Personal Property premium increased, the Replacement Cost and Personal Property Replacement Cost premium increased as well. Finally, the overall increase in premium was also due to a rate correction on your prior term. The deductible credit on the prior term allowed for a larger credit than was intended. This miscalculation has since been corrected and the proper credit amount has been applied to your renewal term. Notices 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 correspondence. Should you have additional questions, please feel free to contact me via e-mail at [email protected] or at [redacted] Thank you[redacted]
This letter will acknowledge
receipt of the correspondence from you on April 29th, 2016. We received this claim filed by
the insured, Quicken Loan Inc on March 11th, 2016. 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 adjuster. The inspection completed
confirmed interior water damage from the roof was found to a bedroom. The
inspection of the roof found that one slope was replaced and is newer than the
other slope. No wind or hail damage was found to the newer slope of the roof
and it was found to be in good condition. The inspection of the older slope
found no evidence of wind or hail damage. The slope was found to be worn and
deteriorated due to age and wear and tear. This resulted in water to seep and
cause damage to the bedroom. Upon review of the inspection
report and the policy it was found that the roof was not covered due to age,
deterioration and wear and tear. However, the interior water damage is covered
in the policy. An estimate to repair the water damage in the bedroom was worked
up and repairs came to a total of $550.13. The policy has a deductible of
$817.00. 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
review. If you have any questions or need further information, please contact the
undersigned at [redacted] Sincerely, [redacted] Claims Supervisor
Customer called Revdex.com stating the matter is resolved.
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]
[redacted]
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: [redacted]Dear [redacted],I am responding to your letter that was received...
in our office on August 31, 2015 , regarding the above mentionedpolicy.Check number [redacted] for $34.00 to cover overdraft fees was delivered to the address on file on September 2,2015 via [redacted], 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]Sr. Company Authority & Market Conduct Specialist
[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]
[A default letter is provided here which indicates your acceptance of the busin[redacted]'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 attached. Thank you.
Revdex.com[redacted]
[redacted]
[redacted] ** [redacted]
Dear [redacted] :
This message is in regard to your concerns submitted on 2/4/2015 11:56:56 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 7 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 outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. Revdex.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]
MESSAGE FROM BUSINESS:
Please find our response attached. Thank you.
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, 2015 to cancel their policy because theywere moving into a home. [redacted] issued a refund check# [redacted] for $53.81 to [redacted] onJune 25, 2015. Our records show that it was mailed to [redacted]shortly thereafter.The policy was cancelled with an effective date of June 22, 2015. 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 [redacted].Sincerely,Mellisa A[redacted]Sr. Company Authority & Market Conduct Specialist