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 [redacted].Sincerely,[redacted]American
Family Home Insurance Company
Please find our response attached. Thank you.October 5, 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 review of additional information regarding the above referenced customer concern, which was received in our office on October 5, 2015.I have reviewed the response from [redacted]. In addition, I received a voicemail from [redacted] over this past weekend confirming his acceptance of our offer to inspect his residence with his contractor present. I left [redacted] a message today confirming my receipt of his message, and that I will have our adjuster, Fred Terrell, contact him to coordinate a date and time for the inspection to take place. Please do not hesitate to contact us should you have any questions, concerns or any additional information for further consideration.Sincerely,Paul S[redacted]Claims Supervisor IIAmerican 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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
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 home. We appreciateyour effort to assist and facilitate communication in the matter.It is our policy not to disclose personal claims information to other parties. We 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:[redacted]. I will be happy to assist in any way that I can.Sincerely,American Modern Select Insurance CompanyMisty F[redacted]SupervisorPhone: [redacted]Fax: 513-947-4469Email: m[redacted]@amig.comEXECUTIVE OFFICES / P.O. BOX 5323 / CINCINNATI, OHIO 45201-5323 / TEL. (513) 943-7200
See attached documentCincinnati Revdex.com7 West 7th Street, Ste. 1600Cincinnati, OH 4520209/4/2015In Re: Revdex.com ID # [redacted] Our Insured: [redacted] ([redacted]) Policy Number: [redacted]Company: American Southern Home Insurance Company Our Claim No: [redacted]Dear [redacted]...
[redacted]:This correspondence is in response to a customer concern filed by our insured [redacted] ([redacted]). Ourcustomer’s concerns are related to the indemnity determination and type of coverage she has for her home.Please note that we have reviewed our customers concerns and responded to [redacted] in connection with herinsurance claim. As a part of our response, regarding the explanation of insurance benefits and determination ofdamages to her home, we will be conducting another inspection with [redacted] and her Contractor present in orderto reach an agreeable settlement.We are unable to provide any additional claim details/information to the Revdex.com, since copies of our customers claimcorrespondence and insurance claim investigation work product are protected material under the Federal PrivacyAct.Sincerely,Tami S[redacted]Field Supervisor
Response is attached.June 22, 2015 Cincinnati Revdex.com 7 West 7th
Street, Ste. 1600 Cincinnati, OH 45202 RE ID : [redacted] INSURED : [redacted]
COMPLAINTANT : [redacted] CLAIM : [redacted] DATE OF LOSS : April 2, 2015 TYPE
OF LOSS(reported as) : Weather - wind Dear [redacted]...
[redacted], This letter will acknowledge receipt of your correspondence
dated June 16, 2015. On April 2, 2015, [redacted], our customer, filed a claim
(#[redacted]) for damage to the shingled roof of her home located at [redacted]. On April 8, 2015, our adjuster, Lori C[redacted], completed
a physical inspection of the damage to our customer’s property with the
customer and the customer’s contractor present during the inspection. During
the inspection, our adjuster found no damage present to the roof resulting from
windstorm, hail or any other Peril Insured Against provided in the policy. The
inspection by our adjuster revealed the shingles present on the roof were [redacted] composite roof shingles. Inspection of the shingles found the presence
of cracks and blistering to the shingles, which were determined to be the
result of wear and tear and manufacturer’s defect. Our adjuster advised our
customer her insurance policy does not provide coverage for manufacturer’s
defect. Our adjuster informed our customer and her contractor that the damage
to the shingles resulting from manufacturer’s defect should be directed to the
manufacturer. Our customer was adamant that her insurance policy should provide
coverage and then request reimbursement for the insurance claim payment
provided to our customer through the process of subrogation. Our adjuster again
advised our customer that their policy does not provide coverage for
manufacturer’s defect. On April 13, 2015, our adjuster completed a denial letter to
the customer quoting the applicable policy language. Since our customer’s insurance policy is a named peril
policy and manufacturer’s defect is not a named peril listed in the insurance
policy, the claim was denied. [redacted] If you have any
questions or need further information, please contact the undersigned at
[redacted] or via e-mail: [redacted]. Sincerely, AMERICAN FAMILY HOME INSURANCE COMPANY Angie J[redacted] Claims Supervisor
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 $20 because of stop payment action. As 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 stated. The cost of the insurance policy is $266 that is the amount I paid to the credit card company. The cancelation of the policy refund is $258.02. AMIG should receive $7.98 of the service after refund my one year payment. That said AMIG should collect the payment $266 of the sales and refund my portion of $258.02. [redacted] card bank did not sale the product or service to me hence they cannot refund $258.02 to me and AMIG entitled to receive $7.98 of the sales in this transaction. Please 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 [redacted].Sincerely,[redacted]American
Family Home Insurance Company
Please find our response attached. Thank you.October 5, 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 review of additional information regarding the above referenced customer concern, which was received in our office on October 5, 2015.I have reviewed the response from [redacted]. In addition, I received a voicemail from [redacted] over this past weekend confirming his acceptance of our offer to inspect his residence with his contractor present. I left [redacted] a message today confirming my receipt of his message, and that I will have our adjuster, Fred Terrell, contact him to coordinate a date and time for the inspection to take place. Please do not hesitate to contact us should you have any questions, concerns or any additional information for further consideration.Sincerely,Paul S[redacted]Claims Supervisor IIAmerican 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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
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 home. We appreciateyour effort to assist and facilitate communication in the matter.It is our policy not to disclose personal claims information to other parties. We 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:[redacted]. I will be happy to assist in any way that I can.Sincerely,American Modern Select Insurance CompanyMisty F[redacted]SupervisorPhone: [redacted]Fax: 513-947-4469Email: m[redacted]@amig.comEXECUTIVE OFFICES / P.O. BOX 5323 / CINCINNATI, OHIO 45201-5323 / TEL. (513) 943-7200
See attached documentCincinnati Revdex.com7 West 7th Street, Ste. 1600Cincinnati, OH 4520209/4/2015In Re: Revdex.com ID # [redacted] Our Insured: [redacted] ([redacted]) Policy Number: [redacted]Company: American Southern Home Insurance Company Our Claim No: [redacted]Dear [redacted]...
[redacted]:This correspondence is in response to a customer concern filed by our insured [redacted] ([redacted]). Ourcustomer’s concerns are related to the indemnity determination and type of coverage she has for her home.Please note that we have reviewed our customers concerns and responded to [redacted] in connection with herinsurance claim. As a part of our response, regarding the explanation of insurance benefits and determination ofdamages to her home, we will be conducting another inspection with [redacted] and her Contractor present in orderto reach an agreeable settlement.We are unable to provide any additional claim details/information to the Revdex.com, since copies of our customers claimcorrespondence and insurance claim investigation work product are protected material under the Federal PrivacyAct.Sincerely,Tami S[redacted]Field Supervisor
Revdex.com:
I have not read or received any response from the business.
Regards,
[redacted]
Response is attached.June 22, 2015 Cincinnati Revdex.com 7 West 7th
Street, Ste. 1600 Cincinnati, OH 45202 RE ID : [redacted] INSURED : [redacted]
COMPLAINTANT : [redacted] CLAIM : [redacted] DATE OF LOSS : April 2, 2015 TYPE
OF LOSS(reported as) : Weather - wind Dear [redacted]...
[redacted], This letter will acknowledge receipt of your correspondence
dated June 16, 2015. On April 2, 2015, [redacted], our customer, filed a claim
(#[redacted]) for damage to the shingled roof of her home located at [redacted]. On April 8, 2015, our adjuster, Lori C[redacted], completed
a physical inspection of the damage to our customer’s property with the
customer and the customer’s contractor present during the inspection. During
the inspection, our adjuster found no damage present to the roof resulting from
windstorm, hail or any other Peril Insured Against provided in the policy. The
inspection by our adjuster revealed the shingles present on the roof were [redacted] composite roof shingles. Inspection of the shingles found the presence
of cracks and blistering to the shingles, which were determined to be the
result of wear and tear and manufacturer’s defect. Our adjuster advised our
customer her insurance policy does not provide coverage for manufacturer’s
defect. Our adjuster informed our customer and her contractor that the damage
to the shingles resulting from manufacturer’s defect should be directed to the
manufacturer. Our customer was adamant that her insurance policy should provide
coverage and then request reimbursement for the insurance claim payment
provided to our customer through the process of subrogation. Our adjuster again
advised our customer that their policy does not provide coverage for
manufacturer’s defect. On April 13, 2015, our adjuster completed a denial letter to
the customer quoting the applicable policy language. Since our customer’s insurance policy is a named peril
policy and manufacturer’s defect is not a named peril listed in the insurance
policy, the claim was denied. [redacted] If you have any
questions or need further information, please contact the undersigned at
[redacted] or via e-mail: [redacted]. Sincerely, AMERICAN FAMILY HOME INSURANCE COMPANY Angie J[redacted] Claims Supervisor
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 $20 because of stop payment action. As 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 stated. The cost of the insurance policy is $266 that is the amount I paid to the credit card company. The cancelation of the policy refund is $258.02. AMIG should receive $7.98 of the service after refund my one year payment. That said AMIG should collect the payment $266 of the sales and refund my portion of $258.02. [redacted] card bank did not sale the product or service to me hence they cannot refund $258.02 to me and AMIG entitled to receive $7.98 of the sales in this transaction. Please let me know if there is anything I can do to resolve this matter. Thanks and Regards,[redacted]