Mountain Side Refrigeration

Hi,? I just submitted a response online regarding [redacted] and do not see a way to make another response on the case? I need to make a correction to my response, ? I misstated that previous responses have been sent to Ms [redacted] ? One response, from Underwriting was previously sent, the second attachment, from Claims, is new? Sincerely,Jennifer MaroneyLegal Compliance Specialist? Universal North America [redacted] , TX 76018Toll Free: ***-***- [redacted] x***Direct: ***-***-***Fax: ***-***- [redacted] @***.comwww [redacted] .com

Please find Universal's response attached.? Thank you.? Universal North America Insurance Company (Universal) received the complaint from [redacted] ( [redacted] ) via the Revdex.com [redacted] concern is relatedto receiving the estimate of damages for her claimThis letter serves as Universal’s formalresponse to your inquiry[redacted] ’s examiner had just left Universal unexpectedlyUniversal did make contact with [redacted] on September 5, 2017, prior to receiving this complaint, and was able to get acopy of the estimate in her hands [redacted] was pleased with this outcome and Unviersalconsiders the concern resolved.Should you need anything further regarding this matter, please contact me.Sincerely, [redacted] ***Director ?" Claims and ComplianceVoice: ***-***- [redacted] x***Email: [redacted] @***.com

Complaint: [redacted] I am rejecting this response because: When they came to inspect last year, they had me trim the tree limb that was touching the house and I do mean by only a couple of inchesThis year the tree is not touching the house at all and I just went out there to look at itWhy would they continue my insurance last year and not this year when there is no differenceI believe it is obvious that I am being punished for the neighbor's treesOf note, I never received the second letter of response from them.? Regards, [redacted]

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] ***

Thank you for the opportunity to review our policyholder’s recent complaintAsArrowhead® General Insurance Agency, Inc(Arrowhead) is the general agent for Universal North? America Insurance Company they have compiled the information below on our behalf.We have reviewed our information and offer the following:Our investigation shows that our policyholder suffered two water losses in (May 06, and? October 07, 2015).In an effort to keep rates competitive and to provide coverage to as many California homeowners as? possible, Universal North America Insurance Company develops underwriting practices that are? designed to be applied on a fair and equitable basis to our policyholders throughout the state.? These guidelines are also filed with the State of California Insurance Department to ensure their? consistency and compliance with regulations.Unfortunately, our underwriting guidelines do not allow us to continue insuring homes with multiple? losses of the same type within the previous three yearsAs a result, we were unable to offer our? policyholder a renewal at the end of their policy term.We are sorry that we were unable to provide a more favorable outcome at this time for this? policyholderPlease do not hesitate to contact us if you have additional questions orconcerns

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.? Regards, [redacted] ?

Please be advised that the consumer has filed a complaint with the Department of InsuranceWe will be corresponding with them regarding this matterThank you

Attached is Universal's response to your inquiry. Thank you

Complaint: ***
I am rejecting this response because:There was no change in the condition of my property from the inspection done the year beforei was approved the year before and not approved this yearI was the person who brought the issue with the neighbor to Universal's attention before the second claimi have been diligent in helping Universal obtain restitutionI have written and sent certified letters to the property owner, made many calls with the city, and kept recordsThe adjuster will state that I was very good at doing work myself after my claims to lower costs and I paid the arborist out of my own pocket to trim limbs from the neighbor's treesof note, the arborist stated in writing the trees located on my property were safeEven the attorney representing Universal thanked me for my detail and diligenceWhen it came down to universal being there for me, they tossed me to the curbIt's incorrigible and shameful.
Regards,
*** ***

Good Morning, Please be advised we are in receipt of the attached complaint (***) as of Friday, April 1, To date, we had not been directly contacted by this customerWe have attempted to reach out to him to get more info regarding this incident, and a claim has also been filed with
our insurance carrierThe matter will be thoroughly investigated and will be handled directly with the customer. Thanks, *** ***, MBA, LPQRestaurant Support Specialist, Loss PreventionP: ###-###-####F: ###-###-####***.com

April 20, 2017To Whom It May Concern:Universal North America has previously provided two written responses to Ms***. They are attached as Universal North America's response to both Ms***'s Revdex.com negative review and
Revdex.com complaint.

Hi, I just submitted a response online regarding *** and do not see a way to make another response on the case I need to make a correction to my response, I misstated that previous responses have been sent to Ms*** One response, from Underwriting was previously sent, the second attachment, from Claims, is new Sincerely,Jennifer MaroneyLegal Compliance Specialist Universal North America*** *** *** *** ***, TX 76018Toll Free: ***-***-*** x***Direct: ***-***-***Fax: ***-***-***@***.comwww***.com

Complaint: ***
I am rejecting this response because:It is shameful to punish a client when not only they have done nothing wrong but have done everything to help the situationI find it suspicious that Universal stated it was because of the trees on my property until I stated an arborist had looked at them and now we are back to the neighbor's treesIt may be legali don't know yet but not ethical.
Regards,
*** ***

Thank you for the opportunity to review our policyholder’s recent complaintAsArrowhead® General Insurance Agency, Inc(Arrowhead) is the general agent for Universal North? America Insurance Company they have compiled the information below on our behalf.We have reviewed our information and
offer the following:Our investigation shows that our policyholder suffered two water losses in (May 06, and? October 07, 2015).In an effort to keep rates competitive and to provide coverage to as many California homeowners as? possible, Universal North America Insurance Company develops underwriting practices that are? designed to be applied on a fair and equitable basis to our policyholders throughout the state.? These guidelines are also filed with the State of California Insurance Department to ensure their? consistency and compliance with regulations.Unfortunately, our underwriting guidelines do not allow us to continue insuring homes with multiple? losses of the same type within the previous three yearsAs a result, we were unable to offer our? policyholder a renewal at the end of their policy term.We are sorry that we were unable to provide a more favorable outcome at this time for this? policyholderPlease do not hesitate to contact us if you have additional questions orconcerns

? Regarding the non-renewal of your Homeowners Policy.Our records show that your policy was non-renewed due to the substantial increase in risk of unstable trees falling onto and damaging your property.? While we appreciate every measure you took to have your neighbor remove the unstable trees, to protect your property from further loss, we have to consider the fact that the remaining trees do still present an increased risk of loss.? It is because of this increased risk of loss that we cannot continue your policy Insured’s are expected to maintain their properties in an effort to protect against loss, and a failure to do so could lead to losses, and to termination of the policy for the failure to maintain and/or protect against loss.We appreciate the steps you took to protect your property against further loss, to mitigate damages as much as you couldDoing so is a condition outlined in the policy form under “Duties After Loss”.While our Claims Department is currently attempting to subrogate against your neighbor for the damages, it does not negate the ongoing and increased risk of the other unstable trees falling onto your propertyYour policy was reviewed prior to renewal due to the two recent losses, and it was then that Underwriting discovered that the remaining trees posed an increased risk of loss.? Additionally, our review of the inspection that was completed last year did not indicate any issues with the trees in your neighbor’s yard, only with the tree in your yard that was touching the side of your home While we realize that our response may not be what you hoped, and that you attempted to have your neighbor remove the trees to no avail, we do have to consider the increased risk of loss those trees present to your propertyUnfortunately, until that risk is removed, we cannot continue your policy.?

Dear Sir or Madame: Universal North America Insurance Company (Universal) received the complaint from *** *** *** via the Revdex.com*** concerns related to the coverage declination for this claimThe claim involves a claim for water damage resulting from
a leak from a plumbing system that occurred over a period of weeksAfter reviewing coverage under the policy in question, Universal determined that the loss was excluded from coverageThe attached coverage declination letter provides the specific details of the declinationIf you require additional information, please contact me Sincerely,*** ** ***Director ??" Claims and Compliance *** *** *** Email: ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.?
Regards,
*** ***
?

Complaint: ***
I am rejecting this response because: When they came to inspect last year, they had me trim the tree limb that was touching the house and I do mean by only a couple of inchesThis year the tree is not touching the house at all and I just went out there to look at itWhy would they continue my insurance last year and not this year when there is no differenceI believe it is obvious that I am being punished for the neighbor's treesOf note, I never received the second letter of response from them.?
Regards,
*** ***

Please see Universal's response to your inquiry attached.? Thank you

#Dear Ms***:Universal North Ameri** Insurance Company (Universal) received the complaint from*** *** (***) via the Revdex.com***’s concerns relate to thestatus of this water leak claim and his perception of a lack of responsiveness byUniversalUniversal disputes the
allegation of unresponsiveness.The following is a timeline of key events in the early life of this claim:? Saturday, January 14, ??" First Notice of Loss reported to Universal.? Sunday, January 15, ??" Initial contact made by Universal with ***advises a plumber has shut the water offWater remediation is offered byUniversal to, and accepted by, ***.? Monday, January 16, ??" Universal’s field adjuster inspects property for thepurpose of preparing a repair estimate.? Tuesday, January 17, ??" Mrs*** speaks with Universal’s Claim Director.She advises that a plumber has never been to the propertyMrs*** is advisedto call a plumber immediately to identify and repair the leakAs the home iswithout water, *** is authorized to go to a hotel until water service isreestablished to the home*** is advised that it will take a few days to finalizethe repair estimate*** is advised that the actual plumbing repair is notcovered under the policy of insurance, but that all costs for accessing the leak andrestoring the opening would be covered.Universal North Ameri** Insurance Company*** *** *** ***, Suite ***, ***, FL ***2T: (***) ***-*** ext*** F: (***) ***-***www.***.com? Wednesday, January 18, ??" Revdex.com complaint received atUniversalUniversal Claim Manager speaks with Mrs***Plumbing repairoptions were discussed.? Thursday, January 19, ??" Universal’s claim examiner assigned to handle theclaim confirms with *** the manner of plumbing repair *** choseThis timeline verifies that Universal was in contact with the ***’s each of the first sixdays following receipt of the claim and that Universal took substantive actions to assist the***’s in repairing their home and getting their lives back in order.If you require additional information, please contact me.Sincerely,*** ** ***Director ??" Claims and ComplianceVoice: ***-***-*** x***Email: ***@***.comCopy: *** S*** *** *** ***, ** ***