Middlesex Mutual Assurance

Revdex.com:I have reviewed the response made by the business in reference to complaint ID *** Although it is correct there has been a resolution, the resolution was forthcoming secondary to pressure placed on the company from the State of Connecticut Insurance
Department It was also necessary to hire a personal adjuster The adjuster's fee was paid with monies allotted to me from the settlement
I remain unhappy that this claim took months and the pressure of a hired personal adjuster, the Revdex.com and The Connecticut Insurance Department
My home remains damaged from the fire as I am still awaiting repair
Sincerely, *** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted].  Although it is correct there has been a resolution, the resolution was forthcoming secondary to pressure placed on the company from the State of Connecticut Insurance Department....

 It was also necessary to hire a personal adjuster.  The adjuster's fee was paid with monies allotted to me from the settlement.   I remain unhappy that this claim took 8 months and the pressure of a hired personal adjuster, the Revdex.com and The Connecticut Insurance Department.   My home remains damaged from the fire as I am still awaiting repair.  Sincerely, [redacted]

My Auto Insurance policy was written a little over a year ago with [redacted]. While my agent whom works for another company that found [redacted] for me has been absolutely wonderful and instrumental in her job function and responsibilities, unfortunately I cannot even come close to saying the same for [redacted] has not only dropped the ball, but failed their customer on multiple levels from a consistent lack of professional courtesy and kindness in direct communication to any flexibility whatsoever one multiple occasions. After my agent emailed me an [redacted] Auth. form, I Immediately filled it out, sent it back to my agent whom Immediately mailed it to [redacted]. Allegedly during this time before they received it, the billing cycle had rolled into the next month of which they registered a non pymt for from the previous month. Do you think in today's world of digital and electronic communication or even telephonic communication I was notified? NO!! Not an email, not a phone call, Nothing! Now I receive a notice in the mail (because we all know how reliable the [redacted] that's going bankrupt is) ONE, I repeat, ONE DAY before my bank acct. will be hit for double payment. I call this morning at the very beginning of the day 8:00am to try and get this sorted out and make payment arrangement, Absolutely NO flexibility, the manager Kari M[redacted] was flat out rude, interrupted me in mid sentence 3 times, said there was nothing she could or would do at this point and made absolutely no effort to be receptive or understanding of the situation from my position nor on their own behalf or in their own role. So here we see folks a perfect example of a poorly managed and poorly structured company that doesn't know, exhibit, offer or exemplify the first thing about proper, appropriate, or respectful customer service. I highly suggest thinking again before you write with [redacted]!!

Review: On February 28, 2015 there was a chimney fire at my residence, [redacted]. On March 12, 2015, [redacted] cleaned and inspected the chimney for damage. The chimney was deemed unsafe for use due to the chimney fire (please see attached report, document 1). I immediately placed a claim with my insurance company Middlesex Mutual. This claim was acknowledged on March 18, 2015 (see attached document 2). A mason came to the property to assess the damage and provide a quote as per request by a representative from the insurance company (see attached quote document 3). The insurance company requested pictures of the damage which were provided. An inspection was arranged on April 16, 2015. It became necessary at this time to pressure Middlesex Mutual to follow through with the inspection. My agent provide a different contact whom was emailed. The inspection from Middlesex was completed on April 29, 2015. Without further discussion I was notified that the company would be settling this claim for $6,475.00 and a check was cut for $5,975.00 ($500 deductible, please see copy of check, document 4). After several discussions with the adjuster from the insurance company it became clear that they were unwilling to acknowledge the chimney needed to be replaced. The reason for replacement is sited in the Mason's estimate. Additionally, at this time I became aware that the chimney was no longer to code and required compete tear down and replacement in order to bring up to code. It became necessary to hire a personal adjuster as the negotiations with the insurance company were becoming completely out of control and hostile. The personal adjuster is Connecticut Claims Adjusters, LLC. [redacted] The gentleman handling the claim is Peter R[redacted]/Owner Licensed Public Adjuster [redacted]. Mr R[redacted] can provide more information. Middlesex Mutual eventually admitted on July 8, 2015 the chimney did indeed need to be torn down and replaced but has yet to provide further reimbursement. I have done everything they have asked, to include meeting with multiple "professionals" to enter my property and provide input on behalf of the insurance company. This activity has not only taken me away from my job multiple times but it has been completely unproductive. Middlesex Mutual did not agree with the first assessment. Middlesex Mutual and Mr R[redacted] agreed upon having a third party mason to provide an estimate for complete chimney tear down and replacement. The estimate is attached as document 5. This company was mutually agreed upon by the insurance company and the personal adjuster. This claim has been pending since March 12, 2015 and has not been resolved. I am very concerned as we are quickly entering the heating season. The chimney continues to crumble and is unsafe. Burning wood is my primary source of heat, a fact the insurance company is aware of. The insurance company is clearly trying to wear me down. I simply need a safe chimney, before the cold weather starts. There are dozens of emails between myself, the insurance company and my hired adjuster. I will be happy to provide such emails for additional documentation if needed. One last issue that concerns me. I was sent a notice of non-renewal. (please see document 6) On this notice it states that the insurance company has settled the claim with a $7,794.20 pay out. This is incorrect. When I called the company a claim representative stated that the figure is an error and that I was charged for the engineer that was sent at some point during this claim. This has yet to be corrected. My concern is that if this ever gets settled and I am able to get a new chimney this $1,819.20 error will effect the payout. I implore you to investigate this claim. I feel I have been treated unprofessionally and unfairly. Middlesex Mutual refuses to acknowledge, in spite of 2 estimates that indicate figures in excess of 3x the amount Middlesex claims is fair. One of such claims was submitted by a Mason that Middlesex Mutual found acceptable.Desired Settlement: Middlesex Mutual agrees a new chimney is needed for safe burning, but have failed to provide an insurance settlement to support new chimney construction. A fair settlement is required for tear down and replacement of the chimney. Middlesex Mutual believes they have settled this claim refusing to acknowledge the settlement is at least $12,000 short in spite of provided estimate by agreed upon 3rd party.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted]. Although it is correct there has been a resolution, the resolution was forthcoming secondary to pressure placed on the company from the State of Connecticut Insurance Department. It was also necessary to hire a personal adjuster. The adjuster's fee was paid with monies allotted to me from the settlement.

My Auto Insurance policy was written a little over a year ago with [redacted]. While my agent whom works for another company that found [redacted] for me has been absolutely wonderful and instrumental in her job function and responsibilities, unfortunately I cannot even come close to saying the same for [redacted] has not only dropped the ball, but failed their customer on multiple levels from a consistent lack of professional courtesy and kindness in direct communication to any flexibility whatsoever one multiple occasions. After my agent emailed me an [redacted] Auth. form, I Immediately filled it out, sent it back to my agent whom Immediately mailed it to [redacted]. Allegedly during this time before they received it, the billing cycle had rolled into the next month of which they registered a non pymt for from the previous month. Do you think in today's world of digital and electronic communication or even telephonic communication I was notified? NO!! Not an email, not a phone call, Nothing! Now I receive a notice in the mail (because we all know how reliable the [redacted] that's going bankrupt is) ONE, I repeat, ONE DAY before my bank acct. will be hit for double payment. I call this morning at the very beginning of the day 8:00am to try and get this sorted out and make payment arrangement, Absolutely NO flexibility, the manager Kari M[redacted] was flat out rude, interrupted me in mid sentence 3 times, said there was nothing she could or would do at this point and made absolutely no effort to be receptive or understanding of the situation from my position nor on their own behalf or in their own role. So here we see folks a perfect example of a poorly managed and poorly structured company that doesn't know, exhibit, offer or exemplify the first thing about proper, appropriate, or respectful customer service. I highly suggest thinking again before you write with [redacted]!!