Thank you for allowing Grange Mutual Casualty Company the opportunity to respond to
Ms***' inquiry
Grange Mutual Casualty Company received noticed of this September loss on October
19, It was reported to us that the claimant hired our insured for a job and he left
the work
unfinished and/or it was done incorrectly
We made contact with our insured, on October He confirmed that he did work for
the claimantWe also made contact with the claimant on October 20, at which time she
advised she hired the insured to paint, tear up both floors and add heat, new vanities,
redo hardwood floors, clean HVAC, seal windowsShe stated a contract was signed with
the insured on September 8, and she was scheduled to move in on September She
also stated our insured had been paid $9,for his work
The claimant reported to us that the shower is inoperable and not affixed to the wall, the
tub jets are inoperable, heated floors are inoperable, there are holes in the wall, the
painted areas were not primed or sandedThe bathroom is green instead of grayOther
areas have paint that is unfinished and/or bleeding throughThe paint is not finished
throughout the areaThe refrigerator was damaged with dirty materials or mishandling
The windows are not sealed, and the floors aren't finishedMs*** also supplied
photos when she submitted the claim for review
Based on the photos and damages claimed by the claimant, Grange initially advised that
there was no coverage for the insured's workThe insured's policy states:
SECTION II- LIABILITY
ACoverages
Business Liability
aWe will pay those sums that the insured becomes legally obligated to pay as damages
because of "bodily injury", "property damage" or "personal and advertising injury" to
which this insurance applies
bThis insurance applies:
(1) To "bodily injury" and "property damage" only if:
(a) The "bodily injury" or "property damage" is caused by an "occurrence" that takes
place in the "coverage territory";
Occurrence is defined on page of the policy as:
"Occurrence'' means an accident, including continuous or repeated exposure to
substantially the same general harmful conditions
The claim does not constitute an occurrence as defined by the policyWork which may
not meet the satisfaction of Ms*** and work that has not been completed does
not constitute an accident
The policy also contains the following language on pages and 37:
BExclusions
Applicable To Business Liability Coverage
This insurance does not apply to:
kDamage To Property
"Property damage" to:
(4) Personal property in the care, custody or control of the insured;
This exclusion eliminates the claimed damage to the refrigerator from mishandling
Also on page k Damage to Property also excludes:
(5) That particular part of real property on which you or any contractor or subcontractor
working directly or indirectly on your behalf is performing operations, if
the "property damage" arises out of those operations; or
(6) That particular part of any property that must be restored, repaired or replaced
because "your work" was incorrectly performed on it
Page defines your work as:
"Your work":
aMeans:
(1) Work or operations performed by you or on your behalf; and
(2) Materials, parts or equipment furnished in connection with such work or operations
bIncludes:
(1) Warranties or representations made at any time with respect to the fitness,
quality, durability, performance or use of "your work";
The policy also states under Exclusions:
nDamage to Impaired Property or Property Not Physically Injured
"Property damage" to "impaired property" of property that has not been physically
injured, arising out of:
1) A defect, deficiency, inadequacy or dangers condition in "your product" or "your
work"; or
2) A delay or failure by you or anyone acting on your behalf to perform a contract
in agreement in accordance with its terms
Since communicating the initial denial of coverage to the claimant, she indicated there
are damages that are not related to poor workmanship or work not completedI spoke
with the claimant on October 17, and agreed to have a Grange property adjuster come
on site and review all damages with the claimant to determine if there any damaged
items that would qualify for coverage
Our field adjuster, was out due to illness the week of October 20, but has since returned
to work and is contacting the claimant to schedule an onsite inspection
Once the inspection is completed we can work with the claimant to identify any covered
items, or discuss why the claimed damages may not be covered
Thank you for the opportunity to respond
The auto new business policy was issued from August 1, to February 1, The policy cancelled effective September 21, at 12:am for non-payment of premium
A down payment of $was received and applied to the policy
An
invoice was issued on August 12, due September 1, for a minimum payment of $The payment was not received and a notice of cancellation was issued stating that the policy would cancel effective September 21, at 12:am if the minimum payment of $was not received before that dateThe payment was not received and the policy cancelled for non-payment of premium effective September 21, at 12:amA balance of $was due to coverage provided up to the cancellation effective date
The preferred homeowner new business policy was issued from May 30, to May 30, The policy cancelled effective August 23, at 12:am for non-payment of premium
A down payment of $was received and applied to the policy
An invoice was issued on July 12, due August 1, for a minimum payment of $On July 29, two separate payments was attempted on the policy however both payments were rejected/declinedThe payment was not received and a notice of cancellation was issued stating that the policy would cancel effective August 23, at 12:am the minimum payment of $was not received before that dateThe payment was not received and the policy cancelled effective August 23, at 12:am for non-payment of premiumA balance of $is due for coverage provided up to the cancellation effective date
We offer a variety of payment optionsPay by web, pay by phone (using our automated service or our Customer Care Center) or pay by mailThe pay by web and pay by phone using the automated system is available 24/
*** ***
*** *** ***
*** *** **
*** ** ***
*** *** *** ***
*** *** ***
*** *** *** *** *** *** ** ***
*** ** *** ***
*** *** *** This letter is in follow up the most recent communication from *** *** regarding the claim We are in receipt of *** ***’s request Donan Engineering will be sending *** *** a shipping packet to send his damaged parts to their lab for testing This packet will be mailed to his home *** *** will need to fill out the required forms and send his evidence in for testing Grange Insurance Company will not accept a submission directly, it must be sent to *** *** in order to preserve the integrity of the evidence
The parts will be professionally tested and a report will be generatedIn addition to the paperwork required by the lab, the package must include the specifications on *** ***’s unit that was replaced This must be done so the parts can be verified as genuine to *** ***’s unit Enclosed in *** ***’s shipping packet will be a chain of custody form that must be filled out by all parties that have handled this evidence since the loss
If *** *** does not account for the chain of custody of the parts, or cannot provide us the specifications of his replaced a/c unit, we will not consider the submission as evidence to this file*** *** must also give permission for *** to complete destructive testing if necessary This permission is required in writing and must be enclosed with his evidence submission.
Upon completion of our investigation we will respond to *** *** with our decision, supporting documents, and our written continuation of the chain of custody to ensure transparency
In review, we are requiring the following items from *** *** in order to complete his request for component testing All items must be included in his submission to Donan Engineering or the evidence will not be considered.
All components that *** *** has available to test.
Written specifications on his replaced air conditioning unit so parts can be validated as genuine to his unit.
Completed chain of custody form signed by all parties who have handled these components between the loss date and submission to the lab.
Written permission from *** *** to complete destructive testing on the components if necessary.
Should any further action be needed, please contact me at ###-###-#### The evidence packet will be shipped directly to *** ***’s home address forthwith If the evidence is not submitted within days from the date of this letter or any of the conditions are not met with the submission, Grange Insurance Company will consider this matter closed.
Sincerely,
*** *** *** *** ***
*** *** *** ***
*** *** *** ***
** *** ***
*** ** ***
PH: ###-###-####
Email: ***
Date of Loss Claim Number Policy Type Policy Details
09/09/ *** Home *** Claim Details
Claim Details: Dwelling Fire Policy ####
BackPrinter Friendly
Claim ***
Date of Loss:09/09/2014Policy:***
Claim Status
Claim Received (09/12/2014) Damage Review Request (09/12/2014) Estimate Completed Initial Payment Made Claim Closed
Policyholder Payment Information
No policyholder payments have been made at this time
Other Parties to this Claim
There are no other parties claiming damage as a result of this incident
My Grange Claims Contact
Name:*** ***Phone:###-###-####Regards,*** ***
I am rejecting this response because: I am still not seeing any willingness to consider amount due currently changed and their lack of agreement that they wouldn't not take payments because the center was downIt still rests that we have a balance due, they are not addressing the inability for individuals to make payments when their center was down for weeks (I tried to make a payment several different time) and because of all this my boyfriend has to report as being uninsuredWe didn't look for something because we were trying to make a payment yet the company refused to find a way or time to take itInstead they cancelled a policyAll they have done was make what began as a hard situation even worse
*** ***
The response includes statements.
They responded "Grange has fairly evaluated the market value of MrJames vehicle and provided a rental vehicle for days." Not trueIt was for a week only, and pulled away then
IN RESPONSE TO YOUR Revdex.com RESPONSE TO MY FORMAL COMPLAINT: YOU FAILED TO INCLUDE INFORMATION FROM MY EMAIL ABOUT NOT HAVING PRIOR DAMAGE, VEHICLES I IDENTIFIED AND YOU IGNORED, AND YOU FAILED TO PROVIDE THE VEHICLE INFORMATION YOU CLAIM. THIS RECORD OF FALSITIES WILL BE INCLUDED IN THE COURT DOCUMENTS. YOU LIED ABOUT THE RENTAL CAR
" They responded " Grange Insurance provided the claimant with a very detailed market search supporting a value of $(plus taxes and fees). This value included a deduction for unrelated prior damage to the vehicle. The fair market value was determined based on a thorough regional search that included comparable vehicles that are currently for sale or that have recently sold. The report included specific details about the vehicles, including the year, make, model, VIN, mileage, address, and seller phone number. This market valuation also included some of the comparable vehicles provided by the claimant that had contact information and could be verified" THIS IS UNTRUE. GRANGE ONLY SAID OVER AND OVER AND OVER AGAIN THAT THE VALUE WAS AS THEY SAY ABOVE, BUT GAVE NO DETAILS. I HAVE ALL THE EMAILS. THIS IS UNTRUE, AND IN BAD FAITH. GRANGE FAILED TO PROVIDE DETAILS. I PROVIDED DETAILS OF OVER VEHICLES THAT ARE COMPARABLE, AND THEY IGNORED THE INFORMATION, REPEATED A GENERAL CLAIM
THEY ARE NOT ACTING IN GOOD FAITH, AND ARE COVERING THEIR TRACKS. THEY NEVER DID THIS."
*** ***
*** ***
*** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** *** ***
*** ** *** *** *** ***
*** ***
*** *** ** ***
*** ***
*** ***
***
Thank you for allowing Trustgard lnsurance Company the opportunity to respond to ***
***'s inquiry
We appreciate his business and thank him for his many years of being a loyal
customer
The Multi-Policy Discount is one of many factors used to rate a homeowners policyOur rates
reflect our own loss experience and profitabilityOur statistical data indicates that a risk with
multiple lines of insurance has a more favorable loss experience than a standalone risk
Therefore, there is a significant discount afforded in cases where an insured has multiple lines of
insurance with Trustgard lnsurance Company
Trustgard lnsurance Company's rates are filed with the *** Department of Commerce
and InsuranceWe are required by law to adhere to our rate filingTherefore, when *** ***
cancelled his automobile policy, the Multi-Policy Discount was removed from his homeowners
policy upon the renewal effective December 3,
Should you have any additional questions, please feel free to contact me
*** *** *** ***
###-###-####
Fax: ###-###-####
***
I have reviewed the response made by the business in reference to complaint ID #### and find that this resolution is satisfactory to me
Regards,
*** ***
***
***
*** ***
*** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** ** *** *** *** ***
*** * *** *
*** *** ** ***
*** Thank you for allowing
Trustgard Insurance Company the opportunity to respond to ** *** inquiry.In order to cancel a policy, it is Trustgard lnsurance Company's procedure for an insured tosubmit a signed written request, often referred to as a "Lost Policy Release." This is a typicalrequirement of most insurance companies as it covers both parties-the insured and thecompany in case there are questions in the futureIt also confirms that the insured releases theinsurance company from any further responsibility effective the date indicated on the LostPolicy Release form.To date, *** *** has not submitted a signed request to cancel his policySince his policy isset up to bill his mortgage company, this is the reason that the premium continues to bewithdrawn from his escrow account.After reviewing *** ***' complaint in further detail with our Underwriting department,Trustgard lnsurance Company will make an exception to waive the signed written requestrequirement and will cancel his policy effective December 3, Any premiums paid for thecurrent and prior term will be returned to *** ***.Should you have any additional questions, please feel free to contact me.Sincerely,*** *** *** ***###-###-####Fax #########*** *
*** *** *** *** *** *** *** *** *** *** ** *** ** *** *** *** *** *** *** *** *** ***
*** ** ***
*** *** ***
*** *** ***
*** *** **
***Thank you for allowing Grange Indemnity Insurance
Company, a Wholly-Owned Stock Subsidiary of Grange Mutual Casualty Company the opportunity to respond to *** ***’s inquiry.The agent submitted the application for automobile coverage with policy term dates of 9/26/to 3/26/2015.The policy was processed and issued by Grange Indemnity Insurance Company on 9/26/with the multi-policy discount as requestedThe total policy premium with the discount was $1,On 10/28/2014, a reminder was sent to the insured advising that we had issued the policy with the multi-policy discount but had not received a qualifying supporting policyIn the notice, we remind the insured that if we did not receive the supporting policy, the discount would be removedOn 11/17/we still did not have a supporting policy so the multi-policy discount was removedThe total policy premium without the discount was $2,160.00.On 12/24/the insured called the Service Center and discussed the reason why the multi-policy discount was removedThe supervisor reviewed the policy and advised the insured that since she owns her home, that if she could provide proof of ownership, the Homeownership Discount could be added to her policy and she would make the discount effective back to the inception of the policyOn 12/29/we received the proof of homeownershipThe Homeownership Discount was added to the policy and $was credited to her policyThe revised full term premium with the Homeownership Discount is $1,951.00.We believe the issue has now been successfully resolved.Regards,*** *** *** *** *** ***###-###-#### Ext####Fax ###-###-####***
[redacted]
[redacted]
This letter is in reference to [redacted]’s follow up communication requesting cancellation of his insurance policy with Grange. Upon receipt of this communication I reviewed the status of [redacted]’s policy with his agent [redacted] Insurance.. The policy was cancelled per his request effective September 30, 2014.
Please contact me via phone or email with any additional concerns.
Sincerely,
[redacted]
Grange Mutual Casualty Company
PH: ###-###-####
Email [redacted]
Dear [redacted], let me start with an official cancellation letter - not only from me, but several members of my family, friends, and co-workers all plan to......or already have cancelled Grange Insurance. With your company’s lack of customer service, it’s no wonder you have SEVERAL negative complaints against you with the Revdex.com, social media, and in the insurance community! Your blatant attempt to “baffle” your audience on here boggles the mind – what it all boils down to is YOU DID NOT TAKE CARE OF A LOYAL CUSTOMER!
Please allow this letter to constitute my formal demand for cancellation of the above-captioned policy. This cancellation will be effective as of October 01, 2014 date. Please immediately return any unused premium to me at my address listed on file. Please be advised that I no longer authorize your company to directly withdraw any future premiums from any of my accounts.
I would appreciate receiving written confirmation of this cancellation within 30 days. Please do not hesitate to contact me with any questions. I look forward to your prompt attention to this matter.
As for the inconsistencies, [redacted] states the following:
“[redacted] requested to be contacted by a manager regarding the claim on September 19, 2014. He was called by manager [redacted] and a message was left. Contact was established between [redacted] and [redacted] on September 22, 2014. After reviewing the claim, [redacted] had informed [redacted] that there would be no change to our claim decision.”
It is true that I did request from [redacted] that a member of his supervision contact me, as I was not satisfied with the generic, customer unfriendly, and downright rude explanation that I received! What is not true – I was NOT contacted first by [redacted], in fact I was never contacted at all by anyone from the Grange management team! I had to call the general number of Grange, from there I explained my situation and told the representative that I wanted to speak with [redacted]’s manager – I was told his immediate supervisors name and that they would transfer me (sorry I do not recall his name) from there I got a voice mail form the office of this man saying he would be out of office all week!
I had to call back the general number, re-explain my situation, and get another contact – that contact was [redacted]. I called him and got a voice mail and form there I left him a message to return my call when he could. [redacted] called me back and explained that he was not [redacted]’s supervisor, that supervisor was out of office, but he would look into it for me!
There are a lot of holes in [redacted]’s reply letter, a lot of gray area, and a lot of pertinent information that was left out!
Another issue that was not mentioned was the amount of time it took for the first Grange representative, [redacted] to actually contact me, hear my explanation, and contact [redacted] with [redacted] for a synopsis of damage – since it took FOUR days for [redacted] to establish contact with [redacted], the parts damaged by the voltage event were by then discarded! You cannot expect a man operating a business from his work vehicle to keep “fried” and “burnt” parts for more than a couple of days! Was the amount of time that it took for [redacted] to contact [redacted] incurred because [redacted] does not work on the weekends? If so, would not another representative pick up a turn over and follow up with the claim – or does Grange not have ANY claims representation the work on the weekends? [redacted] was also offered pictures of the “fried” and “burnt” parts but was told no and they offered no sense of proof whatsoever! The technician is state certified in [redacted] and in a court of law, if called upon could offer expert testimony – yet that is not good enough for the Grange Insurance Company?
Following the normal procedure, on September 12, 2014 I contacted and spoke to a representative at [redacted] Insurance, [redacted] – her name was [redacted]. I asked [redacted] about my options on filing a claim due to a “voltage event”…..I was then told that my deductible was $2500 dollars and my company (GRANGE) was very understandable when it came to taking care of loyal customers like me!
The deciding factor was my tenants have small children and were already without conditioned air – in the middle of a 90+ degree [redacted] heat wave. My tenants are my customers and I always believe that the customer is right and you must take care of good customers whom take care of you!
With that being said, the HVAC technician [redacted]) recommended that the work be started very soon because they were extremely busy due to bad storms in the area and their work load going up - he did not know when he could come back to do the job and I was not going to wait any amount of time and make my customers/tenants more uncomfortable!
I have a question, if the technician from [redacted] is able to find the damaged parts – will Grange consider inspection for possible claim approval? If not the parts, will Grange not accept photos from [redacted] on that behalf?
It is simply amazing how a customer can be loyal, even when said customer could have opted to do business with a less reputable company and get treated like such! You must be wondering why I continue to waste my time on the HOPELESS case – simple, it’s because I feel I am right on this and your representatives spoke to me like a child!
So, by virtue of losing my business and my family’s business because you wanted to save $700 dollars – which really went to $350 because I got a check for the pro-rated year ……. I GUESS YOU SHOWED ME HUH!
Now I feel the need to let fellow insurance customers know your company does NOT have their customers put first – that the almighty dollar is placed first by you and you’re muddled management team! You know as well as I do that “word of mouth” can really help or hurt a company and your track record speaks for itself in that regard!
I am gathering phone records and other data of your inconsistencies and will distribute them to key management officials in your organization – distribution list includes:
Very truly yours,
Regards,[redacted]
[redacted]
[redacted] [redacted]
[redacted] [redacted]
This letter is in response to [redacted]’s coverage denial complaint. Grange Insurance received notice of this claim on September 12, 2014 stating that the air conditioner unit at the above mentioned address was damaged due to a voltage event.
Grange Insurance Inside Property Claim Representative [redacted] attempted contact with the insured on September 12, 2014 where a message was left for the insured. Contact was established with [redacted] on Monday September 15th and the facts of loss were discussed. [redacted] indicated that due to the fact that he had tenants in the home, he had to have the air conditioner unit replaced over the weekend. [redacted] confirmed the contact information of the company that came out and replaced the unit. [redacted] called the company Home Town Quality on that same date, there was no answer and a message was left.
[redacted] established contact with Bryan at Home Town Quality to discuss the damages and set up an inspection on September 16, 2014. During this conversation it was discovered that the air conditioner had been completely disposed of. By disposing of the unit prior to inspection, [redacted] was in violation of a condition of his policy. The pertinent policy language is below.
SECTION I - PROPERTY PROTECTION CONDITIONS
1. What to do in Case of Loss
If a covered loss occurs, the insured must:
e. exhibit the damaged property to us or our representative, as often as may be reasonably required;
Grange Insurance did not have the opportunity to determine what caused the damage to the air conditioning unit, or to determine if the unit needed replaced or repaired.
On September 17, 2014 [redacted] was called and informed of the denial based on the applicable policy condition. [redacted] requested and was provided management contact information by [redacted]. A denial letter was drafted, approved, and sent on this same date.
[redacted] requested to be contacted by a manager regarding the claim on September 19, 2014. He was called by manager [redacted] and a message was left. Contact was established between [redacted] and [redacted] on September 22, 2014. After reviewing the claim, [redacted] had informed [redacted] that there would be no change to our claim decision.
Grange Insurance feels the coverage denial is an accurate interpretation of [redacted]’s policy language regarding this loss. Please contact me at ###-###-#### with any questions.
Sincerely,
[redacted]
Grange Mutual Casualty Company[redacted]
[redacted]
PH: ###-###-####
Email: [redacted]
Its funny how I offered all this after your first agent ([redacted]) denied the claim and I was told that was NOT an option - he said the decision was made and that was that! And now you tell me (A MONTH LATER) that you will consider photos, parts, written diagnostic records dated on or before the replacement or any other type of evidence!
Very improper business tactics your company is using in this situation – your “smoke and mirror” approach to WASTING time and letting things cool down when I could have provided this information when it was still hot and fresh.
Now before we waste any more time, I need to know what you will accept as far as photos, parts, written diagnostic records dated on or before the replacement or any other type of evidence. Is there a certain format, an official procedure, or a correct letterhead that you will accept?
This is the THIRD time I have asked if you could consider all this and yet you want to BAFFLE me with all your phone records – would not the best business practice in this situation be to work directly with the LOYAL CUSTOMER to find resolution…..IN THE FIRST PLACE?
It boggles my mind that you would actually let a customer cancel their policy and stop doing business – when you could have simply worked with him and avoided all this! And as I mentioned in previous letters…..ALL of our family and some of our friends have ceased business with your company! I could NEVER recommend Grange as a viable option for insurance coverage to ANYONE!
I am not convinced that you are the appropriate person to deal with regarding my concerns? I am requesting to speak to your direct supervisor for I feel as if you’re not capable of handling customers concerns – honestly this round and round, paraphrased information, and blatant waste of time is utterly absurd! Your efforts to stall and ICE me with the same weak explanation over and over again are not going to work sir!
Moving forward for resolution – I need clear/concise expectations and exact options!
Please advise,
[redacted]
Grange Mutual Casualty Company is in receipt of the above complaint and will address theissues as requested.Grange received notice of this loss on December 30, 2014. The claim was assigned to ClaimsAdjuster [redacted] who promptly contacted [redacted] the same day. [redacted]'s investigationrevealed...
that there was no coverage under [redacted]'s Dwelling Fire policy (DF-1) as theft is nota covered peril. The claim was denied and a denial letter was sent to [redacted].[redacted] also determined that this property was vacant and sent an underwriting notice to[redacted], Grange Personal Lines Underwriter. Due to the vacancy, Grange sent acancellation notice to [redacted] on January 16, 2015 stating that the policy would be cancelledon February 21, 2015. [redacted] contacted her local agent [redacted] at [redacted]
[redacted] and informed her that she no longer needed the policy and wanted to cancel effectiveJanuary 27, 2015. The agent sent her a cancellation request form to be signed and returned.This form was not returned to the agent by [redacted]. The policy renewed on January 27, 2015and then cancelled on February 21, 2015 which resulted in the $49.46 of earned premium owed.In speaking to [redacted], Grange Personal Lines Underwriter, if [redacted] sends in thesigned cancellation request form, her policy cancellation date can be changed to January 27,2015 and she will not owe the $49.46. 1I contacted [redacted] today and explained the situation.She believes she still has the cancellation request form that her agent sent to her and she willcomplete it and send back. She was under the impression that she didn't need to sign the form. Iinformed [redacted] that if she signs and returns this form, she will not owe the $49.46.Thank you for the opportunity to respond. If you have any additional questions regarding thismatter, please feel free to contact me at ###-###-####.Sincerely,[redacted]###-###-####[redacted]
We NEVER agreed to open another policy and when [redacted] from [redacted] signed us up, she never said it was a temporary discount she was signing us up for....Obviously you are not going to own up to that but there is still the issue $388.00 that we paid on the last statement.
Regards,
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Thank you for allowing Trustgard lnsurance Company the opportunity to respond to...
[redacted]'
inquiry.
[redacted] automobile policy, PA3 1095226 was effective on March 20, 2013 and was cancelled
effective October 13,2014 per his request.
Due to an entry error, the renewal term effective March 20,2014 did not reflect a change made
to the policy on March 6,2014 to replace the 1994 Chevrolet S10 with a 2004 Dodge Ram.
Though the 2004 Dodge Ram did not appear on the policy renewal, had a loss occurred,
Trustgard lnsurance Company would have covered the loss. Therefore, it is within our rights to
collect the appropriate premium for coverage which was provided. However, in good faith
Trustgard Insurance Company is waiving the earned premium amount of $216.68.
Should you have any additional questions, please feel free to contact me.
Personal Lines Compliance Analyst
###-###-####
Fax: ###-###-####
[redacted]
[redacted]
Thank you for allowing Grange Indemnity Insurance
Company, a Wholly-Owned Stock Subsidiary of Grange Mutual Casualty Company, the
opportunity to respond to [redacted]’s follow-up request.
I contacted the insured and discussed the series
of events to clearly understand the issue. There was a miscommunication between
the agent and the insured. [redacted], on behalf of [redacted], and Grange have come to
a mutually agreed upon resolution.
Dear [redacted]This letter is in response to complaint ID [redacted] filed by our insured [redacted] regarding aclaim filed on his record that was not meant to be a claim.The above mentioned claim was claim was filed with us on March 28,2014. We contacted theinsured, [redacted], to get details on...
the loss and he indicated that the loss was minor and thathe did not intend to file a claim. We closed the claim without and pay and closed our file. OnJanuary 15,2015 we received a call from a [redacted] Ins. agent regarding this claim on record.[redacted] was placing his insurance with [redacted] and they inquired about the claim and thestatus. I reviewed and agreed that this should not have been a claim. I requested our HomeOffice send a request to CLU to have this claim expunged from the record. This was completedon January 16,2015 by Grange Insurance. We called the [redacted] agent back on this date toinform them that we have requested to have this claim removed from the CLU report.Please feel free to contact me with any further questions or concerns regarding this matter.Sincerely, [redacted]Grange Insurance###-###-####
I have located some of the old damaged parts from the air conditioned unit that was replaced - I need to confirm the mailing address to send such parts.
[redacted]
Grange Mutual Casualty Group[redacted]
[redacted]
[redacted]
please confirm the above addressRegards,
[redacted]
Thank you for allowing Grange Mutual Casualty Company the opportunity to respond to
Ms***' inquiry
Grange Mutual Casualty Company received noticed of this September loss on October
19, It was reported to us that the claimant hired our insured for a job and he left
the work
unfinished and/or it was done incorrectly
We made contact with our insured, on October He confirmed that he did work for
the claimantWe also made contact with the claimant on October 20, at which time she
advised she hired the insured to paint, tear up both floors and add heat, new vanities,
redo hardwood floors, clean HVAC, seal windowsShe stated a contract was signed with
the insured on September 8, and she was scheduled to move in on September She
also stated our insured had been paid $9,for his work
The claimant reported to us that the shower is inoperable and not affixed to the wall, the
tub jets are inoperable, heated floors are inoperable, there are holes in the wall, the
painted areas were not primed or sandedThe bathroom is green instead of grayOther
areas have paint that is unfinished and/or bleeding throughThe paint is not finished
throughout the areaThe refrigerator was damaged with dirty materials or mishandling
The windows are not sealed, and the floors aren't finishedMs*** also supplied
photos when she submitted the claim for review
Based on the photos and damages claimed by the claimant, Grange initially advised that
there was no coverage for the insured's workThe insured's policy states:
SECTION II- LIABILITY
ACoverages
Business Liability
aWe will pay those sums that the insured becomes legally obligated to pay as damages
because of "bodily injury", "property damage" or "personal and advertising injury" to
which this insurance applies
bThis insurance applies:
(1) To "bodily injury" and "property damage" only if:
(a) The "bodily injury" or "property damage" is caused by an "occurrence" that takes
place in the "coverage territory";
Occurrence is defined on page of the policy as:
"Occurrence'' means an accident, including continuous or repeated exposure to
substantially the same general harmful conditions
The claim does not constitute an occurrence as defined by the policyWork which may
not meet the satisfaction of Ms*** and work that has not been completed does
not constitute an accident
The policy also contains the following language on pages and 37:
BExclusions
Applicable To Business Liability Coverage
This insurance does not apply to:
kDamage To Property
"Property damage" to:
(4) Personal property in the care, custody or control of the insured;
This exclusion eliminates the claimed damage to the refrigerator from mishandling
Also on page k Damage to Property also excludes:
(5) That particular part of real property on which you or any contractor or subcontractor
working directly or indirectly on your behalf is performing operations, if
the "property damage" arises out of those operations; or
(6) That particular part of any property that must be restored, repaired or replaced
because "your work" was incorrectly performed on it
Page defines your work as:
"Your work":
aMeans:
(1) Work or operations performed by you or on your behalf; and
(2) Materials, parts or equipment furnished in connection with such work or operations
bIncludes:
(1) Warranties or representations made at any time with respect to the fitness,
quality, durability, performance or use of "your work";
The policy also states under Exclusions:
nDamage to Impaired Property or Property Not Physically Injured
"Property damage" to "impaired property" of property that has not been physically
injured, arising out of:
1) A defect, deficiency, inadequacy or dangers condition in "your product" or "your
work"; or
2) A delay or failure by you or anyone acting on your behalf to perform a contract
in agreement in accordance with its terms
Since communicating the initial denial of coverage to the claimant, she indicated there
are damages that are not related to poor workmanship or work not completedI spoke
with the claimant on October 17, and agreed to have a Grange property adjuster come
on site and review all damages with the claimant to determine if there any damaged
items that would qualify for coverage
Our field adjuster, was out due to illness the week of October 20, but has since returned
to work and is contacting the claimant to schedule an onsite inspection
Once the inspection is completed we can work with the claimant to identify any covered
items, or discuss why the claimed damages may not be covered
Thank you for the opportunity to respond
The auto new business policy was issued from August 1, to February 1, The policy cancelled effective September 21, at 12:am for non-payment of premium
A down payment of $was received and applied to the policy
An
invoice was issued on August 12, due September 1, for a minimum payment of $The payment was not received and a notice of cancellation was issued stating that the policy would cancel effective September 21, at 12:am if the minimum payment of $was not received before that dateThe payment was not received and the policy cancelled for non-payment of premium effective September 21, at 12:amA balance of $was due to coverage provided up to the cancellation effective date
The preferred homeowner new business policy was issued from May 30, to May 30, The policy cancelled effective August 23, at 12:am for non-payment of premium
A down payment of $was received and applied to the policy
An invoice was issued on July 12, due August 1, for a minimum payment of $On July 29, two separate payments was attempted on the policy however both payments were rejected/declinedThe payment was not received and a notice of cancellation was issued stating that the policy would cancel effective August 23, at 12:am the minimum payment of $was not received before that dateThe payment was not received and the policy cancelled effective August 23, at 12:am for non-payment of premiumA balance of $is due for coverage provided up to the cancellation effective date
We offer a variety of payment optionsPay by web, pay by phone (using our automated service or our Customer Care Center) or pay by mailThe pay by web and pay by phone using the automated system is available 24/
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*** *** *** This letter is in follow up the most recent communication from *** *** regarding the claim We are in receipt of *** ***’s request Donan Engineering will be sending *** *** a shipping packet to send his damaged parts to their lab for testing This packet will be mailed to his home *** *** will need to fill out the required forms and send his evidence in for testing Grange Insurance Company will not accept a submission directly, it must be sent to *** *** in order to preserve the integrity of the evidence
The parts will be professionally tested and a report will be generatedIn addition to the paperwork required by the lab, the package must include the specifications on *** ***’s unit that was replaced This must be done so the parts can be verified as genuine to *** ***’s unit Enclosed in *** ***’s shipping packet will be a chain of custody form that must be filled out by all parties that have handled this evidence since the loss
If *** *** does not account for the chain of custody of the parts, or cannot provide us the specifications of his replaced a/c unit, we will not consider the submission as evidence to this file*** *** must also give permission for *** to complete destructive testing if necessary This permission is required in writing and must be enclosed with his evidence submission.
Upon completion of our investigation we will respond to *** *** with our decision, supporting documents, and our written continuation of the chain of custody to ensure transparency
In review, we are requiring the following items from *** *** in order to complete his request for component testing All items must be included in his submission to Donan Engineering or the evidence will not be considered.
All components that *** *** has available to test.
Written specifications on his replaced air conditioning unit so parts can be validated as genuine to his unit.
Completed chain of custody form signed by all parties who have handled these components between the loss date and submission to the lab.
Written permission from *** *** to complete destructive testing on the components if necessary.
Should any further action be needed, please contact me at ###-###-#### The evidence packet will be shipped directly to *** ***’s home address forthwith If the evidence is not submitted within days from the date of this letter or any of the conditions are not met with the submission, Grange Insurance Company will consider this matter closed.
Sincerely,
*** *** *** *** ***
*** *** *** ***
*** *** *** ***
** *** ***
*** ** ***
PH: ###-###-####
Email: ***
Date of Loss Claim Number Policy Type Policy Details
09/09/ *** Home *** Claim Details
Claim Details: Dwelling Fire Policy ####
BackPrinter Friendly
Claim ***
Date of Loss:09/09/2014Policy:***
Claim Status
Claim Received (09/12/2014) Damage Review Request (09/12/2014) Estimate Completed Initial Payment Made Claim Closed
Policyholder Payment Information
No policyholder payments have been made at this time
Other Parties to this Claim
There are no other parties claiming damage as a result of this incident
My Grange Claims Contact
Name:*** ***Phone:###-###-####Regards,*** ***
I am rejecting this response because: I am still not seeing any willingness to consider amount due currently changed and their lack of agreement that they wouldn't not take payments because the center was downIt still rests that we have a balance due, they are not addressing the inability for individuals to make payments when their center was down for weeks (I tried to make a payment several different time) and because of all this my boyfriend has to report as being uninsuredWe didn't look for something because we were trying to make a payment yet the company refused to find a way or time to take itInstead they cancelled a policyAll they have done was make what began as a hard situation even worse
*** ***
The response includes statements.
They responded "Grange has fairly evaluated the market value of MrJames vehicle and provided a rental vehicle for days." Not trueIt was for a week only, and pulled away then
IN RESPONSE TO YOUR Revdex.com RESPONSE TO MY FORMAL COMPLAINT: YOU FAILED TO INCLUDE INFORMATION FROM MY EMAIL ABOUT NOT HAVING PRIOR DAMAGE, VEHICLES I IDENTIFIED AND YOU IGNORED, AND YOU FAILED TO PROVIDE THE VEHICLE INFORMATION YOU CLAIM. THIS RECORD OF FALSITIES WILL BE INCLUDED IN THE COURT DOCUMENTS. YOU LIED ABOUT THE RENTAL CAR
" They responded " Grange Insurance provided the claimant with a very detailed market search supporting a value of $(plus taxes and fees). This value included a deduction for unrelated prior damage to the vehicle. The fair market value was determined based on a thorough regional search that included comparable vehicles that are currently for sale or that have recently sold. The report included specific details about the vehicles, including the year, make, model, VIN, mileage, address, and seller phone number. This market valuation also included some of the comparable vehicles provided by the claimant that had contact information and could be verified" THIS IS UNTRUE. GRANGE ONLY SAID OVER AND OVER AND OVER AGAIN THAT THE VALUE WAS AS THEY SAY ABOVE, BUT GAVE NO DETAILS. I HAVE ALL THE EMAILS. THIS IS UNTRUE, AND IN BAD FAITH. GRANGE FAILED TO PROVIDE DETAILS. I PROVIDED DETAILS OF OVER VEHICLES THAT ARE COMPARABLE, AND THEY IGNORED THE INFORMATION, REPEATED A GENERAL CLAIM
THEY ARE NOT ACTING IN GOOD FAITH, AND ARE COVERING THEIR TRACKS. THEY NEVER DID THIS."
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Thank you for allowing Trustgard lnsurance Company the opportunity to respond to ***
***'s inquiry
We appreciate his business and thank him for his many years of being a loyal
customer
The Multi-Policy Discount is one of many factors used to rate a homeowners policyOur rates
reflect our own loss experience and profitabilityOur statistical data indicates that a risk with
multiple lines of insurance has a more favorable loss experience than a standalone risk
Therefore, there is a significant discount afforded in cases where an insured has multiple lines of
insurance with Trustgard lnsurance Company
Trustgard lnsurance Company's rates are filed with the *** Department of Commerce
and InsuranceWe are required by law to adhere to our rate filingTherefore, when *** ***
cancelled his automobile policy, the Multi-Policy Discount was removed from his homeowners
policy upon the renewal effective December 3,
Should you have any additional questions, please feel free to contact me
*** *** *** ***
###-###-####
Fax: ###-###-####
***
I have reviewed the response made by the business in reference to complaint ID #### and find that this resolution is satisfactory to me
Regards,
*** ***
***
***
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*** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** ** *** *** *** ***
*** * *** *
*** *** ** ***
*** Thank you for allowing
Trustgard Insurance Company the opportunity to respond to ** *** inquiry.In order to cancel a policy, it is Trustgard lnsurance Company's procedure for an insured tosubmit a signed written request, often referred to as a "Lost Policy Release." This is a typicalrequirement of most insurance companies as it covers both parties-the insured and thecompany in case there are questions in the futureIt also confirms that the insured releases theinsurance company from any further responsibility effective the date indicated on the LostPolicy Release form.To date, *** *** has not submitted a signed request to cancel his policySince his policy isset up to bill his mortgage company, this is the reason that the premium continues to bewithdrawn from his escrow account.After reviewing *** ***' complaint in further detail with our Underwriting department,Trustgard lnsurance Company will make an exception to waive the signed written requestrequirement and will cancel his policy effective December 3, Any premiums paid for thecurrent and prior term will be returned to *** ***.Should you have any additional questions, please feel free to contact me.Sincerely,*** *** *** ***###-###-####Fax #########*** *
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***Thank you for allowing Grange Indemnity Insurance
Company, a Wholly-Owned Stock Subsidiary of Grange Mutual Casualty Company the opportunity to respond to *** ***’s inquiry.The agent submitted the application for automobile coverage with policy term dates of 9/26/to 3/26/2015.The policy was processed and issued by Grange Indemnity Insurance Company on 9/26/with the multi-policy discount as requestedThe total policy premium with the discount was $1,On 10/28/2014, a reminder was sent to the insured advising that we had issued the policy with the multi-policy discount but had not received a qualifying supporting policyIn the notice, we remind the insured that if we did not receive the supporting policy, the discount would be removedOn 11/17/we still did not have a supporting policy so the multi-policy discount was removedThe total policy premium without the discount was $2,160.00.On 12/24/the insured called the Service Center and discussed the reason why the multi-policy discount was removedThe supervisor reviewed the policy and advised the insured that since she owns her home, that if she could provide proof of ownership, the Homeownership Discount could be added to her policy and she would make the discount effective back to the inception of the policyOn 12/29/we received the proof of homeownershipThe Homeownership Discount was added to the policy and $was credited to her policyThe revised full term premium with the Homeownership Discount is $1,951.00.We believe the issue has now been successfully resolved.Regards,*** *** *** *** *** ***###-###-#### Ext####Fax ###-###-####***
[redacted]
[redacted]
This letter is in reference to [redacted]’s follow up communication requesting cancellation of his insurance policy with Grange. Upon receipt of this communication I reviewed the status of [redacted]’s policy with his agent [redacted] Insurance.. The policy was cancelled per his request effective September 30, 2014.
Please contact me via phone or email with any additional concerns.
Sincerely,
[redacted]
Grange Mutual Casualty Company
PH: ###-###-####
Email [redacted]
Dear [redacted], let me start with an official cancellation letter - not only from me, but several members of my family, friends, and co-workers all plan to......or already have cancelled Grange Insurance. With your company’s lack of customer service, it’s no wonder you have SEVERAL negative complaints against you with the Revdex.com, social media, and in the insurance community! Your blatant attempt to “baffle” your audience on here boggles the mind – what it all boils down to is YOU DID NOT TAKE CARE OF A LOYAL CUSTOMER!
Please allow this letter to constitute my formal demand for cancellation of the above-captioned policy. This cancellation will be effective as of October 01, 2014 date. Please immediately return any unused premium to me at my address listed on file. Please be advised that I no longer authorize your company to directly withdraw any future premiums from any of my accounts.
I would appreciate receiving written confirmation of this cancellation within 30 days. Please do not hesitate to contact me with any questions. I look forward to your prompt attention to this matter.
As for the inconsistencies, [redacted] states the following:
“[redacted] requested to be contacted by a manager regarding the claim on September 19, 2014. He was called by manager [redacted] and a message was left. Contact was established between [redacted] and [redacted] on September 22, 2014. After reviewing the claim, [redacted] had informed [redacted] that there would be no change to our claim decision.”
It is true that I did request from [redacted] that a member of his supervision contact me, as I was not satisfied with the generic, customer unfriendly, and downright rude explanation that I received! What is not true – I was NOT contacted first by [redacted], in fact I was never contacted at all by anyone from the Grange management team! I had to call the general number of Grange, from there I explained my situation and told the representative that I wanted to speak with [redacted]’s manager – I was told his immediate supervisors name and that they would transfer me (sorry I do not recall his name) from there I got a voice mail form the office of this man saying he would be out of office all week!
I had to call back the general number, re-explain my situation, and get another contact – that contact was [redacted]. I called him and got a voice mail and form there I left him a message to return my call when he could. [redacted] called me back and explained that he was not [redacted]’s supervisor, that supervisor was out of office, but he would look into it for me!
There are a lot of holes in [redacted]’s reply letter, a lot of gray area, and a lot of pertinent information that was left out!
Another issue that was not mentioned was the amount of time it took for the first Grange representative, [redacted] to actually contact me, hear my explanation, and contact [redacted] with [redacted] for a synopsis of damage – since it took FOUR days for [redacted] to establish contact with [redacted], the parts damaged by the voltage event were by then discarded! You cannot expect a man operating a business from his work vehicle to keep “fried” and “burnt” parts for more than a couple of days! Was the amount of time that it took for [redacted] to contact [redacted] incurred because [redacted] does not work on the weekends? If so, would not another representative pick up a turn over and follow up with the claim – or does Grange not have ANY claims representation the work on the weekends? [redacted] was also offered pictures of the “fried” and “burnt” parts but was told no and they offered no sense of proof whatsoever! The technician is state certified in [redacted] and in a court of law, if called upon could offer expert testimony – yet that is not good enough for the Grange Insurance Company?
Following the normal procedure, on September 12, 2014 I contacted and spoke to a representative at [redacted] Insurance, [redacted] – her name was [redacted]. I asked [redacted] about my options on filing a claim due to a “voltage event”…..I was then told that my deductible was $2500 dollars and my company (GRANGE) was very understandable when it came to taking care of loyal customers like me!
The deciding factor was my tenants have small children and were already without conditioned air – in the middle of a 90+ degree [redacted] heat wave. My tenants are my customers and I always believe that the customer is right and you must take care of good customers whom take care of you!
With that being said, the HVAC technician [redacted]) recommended that the work be started very soon because they were extremely busy due to bad storms in the area and their work load going up - he did not know when he could come back to do the job and I was not going to wait any amount of time and make my customers/tenants more uncomfortable!
I have a question, if the technician from [redacted] is able to find the damaged parts – will Grange consider inspection for possible claim approval? If not the parts, will Grange not accept photos from [redacted] on that behalf?
It is simply amazing how a customer can be loyal, even when said customer could have opted to do business with a less reputable company and get treated like such! You must be wondering why I continue to waste my time on the HOPELESS case – simple, it’s because I feel I am right on this and your representatives spoke to me like a child!
So, by virtue of losing my business and my family’s business because you wanted to save $700 dollars – which really went to $350 because I got a check for the pro-rated year ……. I GUESS YOU SHOWED ME HUH!
Now I feel the need to let fellow insurance customers know your company does NOT have their customers put first – that the almighty dollar is placed first by you and you’re muddled management team! You know as well as I do that “word of mouth” can really help or hurt a company and your track record speaks for itself in that regard!
I am gathering phone records and other data of your inconsistencies and will distribute them to key management officials in your organization – distribution list includes:
Very truly yours,
Regards,[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] [redacted] ...
[redacted]
[redacted] [redacted]
[redacted] [redacted]
This letter is in response to [redacted]’s coverage denial complaint. Grange Insurance received notice of this claim on September 12, 2014 stating that the air conditioner unit at the above mentioned address was damaged due to a voltage event.
Grange Insurance Inside Property Claim Representative [redacted] attempted contact with the insured on September 12, 2014 where a message was left for the insured. Contact was established with [redacted] on Monday September 15th and the facts of loss were discussed. [redacted] indicated that due to the fact that he had tenants in the home, he had to have the air conditioner unit replaced over the weekend. [redacted] confirmed the contact information of the company that came out and replaced the unit. [redacted] called the company Home Town Quality on that same date, there was no answer and a message was left.
[redacted] established contact with Bryan at Home Town Quality to discuss the damages and set up an inspection on September 16, 2014. During this conversation it was discovered that the air conditioner had been completely disposed of. By disposing of the unit prior to inspection, [redacted] was in violation of a condition of his policy. The pertinent policy language is below.
SECTION I - PROPERTY PROTECTION CONDITIONS
1. What to do in Case of Loss
If a covered loss occurs, the insured must:
e. exhibit the damaged property to us or our representative, as often as may be reasonably required;
Grange Insurance did not have the opportunity to determine what caused the damage to the air conditioning unit, or to determine if the unit needed replaced or repaired.
On September 17, 2014 [redacted] was called and informed of the denial based on the applicable policy condition. [redacted] requested and was provided management contact information by [redacted]. A denial letter was drafted, approved, and sent on this same date.
[redacted] requested to be contacted by a manager regarding the claim on September 19, 2014. He was called by manager [redacted] and a message was left. Contact was established between [redacted] and [redacted] on September 22, 2014. After reviewing the claim, [redacted] had informed [redacted] that there would be no change to our claim decision.
Grange Insurance feels the coverage denial is an accurate interpretation of [redacted]’s policy language regarding this loss. Please contact me at ###-###-#### with any questions.
Sincerely,
[redacted]
Grange Mutual Casualty Company[redacted]
[redacted]
PH: ###-###-####
Email: [redacted]
Its funny how I offered all this after your first agent ([redacted]) denied the claim and I was told that was NOT an option - he said the decision was made and that was that! And now you tell me (A MONTH LATER) that you will consider photos, parts, written diagnostic records dated on or before the replacement or any other type of evidence!
Very improper business tactics your company is using in this situation – your “smoke and mirror” approach to WASTING time and letting things cool down when I could have provided this information when it was still hot and fresh.
Now before we waste any more time, I need to know what you will accept as far as photos, parts, written diagnostic records dated on or before the replacement or any other type of evidence. Is there a certain format, an official procedure, or a correct letterhead that you will accept?
This is the THIRD time I have asked if you could consider all this and yet you want to BAFFLE me with all your phone records – would not the best business practice in this situation be to work directly with the LOYAL CUSTOMER to find resolution…..IN THE FIRST PLACE?
It boggles my mind that you would actually let a customer cancel their policy and stop doing business – when you could have simply worked with him and avoided all this! And as I mentioned in previous letters…..ALL of our family and some of our friends have ceased business with your company! I could NEVER recommend Grange as a viable option for insurance coverage to ANYONE!
I am not convinced that you are the appropriate person to deal with regarding my concerns? I am requesting to speak to your direct supervisor for I feel as if you’re not capable of handling customers concerns – honestly this round and round, paraphrased information, and blatant waste of time is utterly absurd! Your efforts to stall and ICE me with the same weak explanation over and over again are not going to work sir!
Moving forward for resolution – I need clear/concise expectations and exact options!
Please advise,
[redacted]
Grange Mutual Casualty Company is in receipt of the above complaint and will address theissues as requested.Grange received notice of this loss on December 30, 2014. The claim was assigned to ClaimsAdjuster [redacted] who promptly contacted [redacted] the same day. [redacted]'s investigationrevealed...
that there was no coverage under [redacted]'s Dwelling Fire policy (DF-1) as theft is nota covered peril. The claim was denied and a denial letter was sent to [redacted].[redacted] also determined that this property was vacant and sent an underwriting notice to[redacted], Grange Personal Lines Underwriter. Due to the vacancy, Grange sent acancellation notice to [redacted] on January 16, 2015 stating that the policy would be cancelledon February 21, 2015. [redacted] contacted her local agent [redacted] at [redacted]
[redacted] and informed her that she no longer needed the policy and wanted to cancel effectiveJanuary 27, 2015. The agent sent her a cancellation request form to be signed and returned.This form was not returned to the agent by [redacted]. The policy renewed on January 27, 2015and then cancelled on February 21, 2015 which resulted in the $49.46 of earned premium owed.In speaking to [redacted], Grange Personal Lines Underwriter, if [redacted] sends in thesigned cancellation request form, her policy cancellation date can be changed to January 27,2015 and she will not owe the $49.46. 1I contacted [redacted] today and explained the situation.She believes she still has the cancellation request form that her agent sent to her and she willcomplete it and send back. She was under the impression that she didn't need to sign the form. Iinformed [redacted] that if she signs and returns this form, she will not owe the $49.46.Thank you for the opportunity to respond. If you have any additional questions regarding thismatter, please feel free to contact me at ###-###-####.Sincerely,[redacted]###-###-####[redacted]
We NEVER agreed to open another policy and when [redacted] from [redacted] signed us up, she never said it was a temporary discount she was signing us up for....Obviously you are not going to own up to that but there is still the issue $388.00 that we paid on the last statement.
Regards,
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Thank you for allowing Trustgard lnsurance Company the opportunity to respond to...
[redacted]'
inquiry.
[redacted] automobile policy, PA3 1095226 was effective on March 20, 2013 and was cancelled
effective October 13,2014 per his request.
Due to an entry error, the renewal term effective March 20,2014 did not reflect a change made
to the policy on March 6,2014 to replace the 1994 Chevrolet S10 with a 2004 Dodge Ram.
Though the 2004 Dodge Ram did not appear on the policy renewal, had a loss occurred,
Trustgard lnsurance Company would have covered the loss. Therefore, it is within our rights to
collect the appropriate premium for coverage which was provided. However, in good faith
Trustgard Insurance Company is waiving the earned premium amount of $216.68.
Should you have any additional questions, please feel free to contact me.
Personal Lines Compliance Analyst
###-###-####
Fax: ###-###-####
[redacted]
[redacted]
Thank you for allowing Grange Indemnity Insurance
Company, a Wholly-Owned Stock Subsidiary of Grange Mutual Casualty Company, the
opportunity to respond to [redacted]’s follow-up request.
I contacted the insured and discussed the series
of events to clearly understand the issue. There was a miscommunication between
the agent and the insured. [redacted], on behalf of [redacted], and Grange have come to
a mutually agreed upon resolution.
The details of our agreement are attached.
Dear [redacted]This letter is in response to complaint ID [redacted] filed by our insured [redacted] regarding aclaim filed on his record that was not meant to be a claim.The above mentioned claim was claim was filed with us on March 28,2014. We contacted theinsured, [redacted], to get details on...
the loss and he indicated that the loss was minor and thathe did not intend to file a claim. We closed the claim without and pay and closed our file. OnJanuary 15,2015 we received a call from a [redacted] Ins. agent regarding this claim on record.[redacted] was placing his insurance with [redacted] and they inquired about the claim and thestatus. I reviewed and agreed that this should not have been a claim. I requested our HomeOffice send a request to CLU to have this claim expunged from the record. This was completedon January 16,2015 by Grange Insurance. We called the [redacted] agent back on this date toinform them that we have requested to have this claim removed from the CLU report.Please feel free to contact me with any further questions or concerns regarding this matter.Sincerely, [redacted]Grange Insurance###-###-####
I have located some of the old damaged parts from the air conditioned unit that was replaced - I need to confirm the mailing address to send such parts.
[redacted]
Grange Mutual Casualty Group[redacted]
[redacted]
[redacted]
please confirm the above addressRegards,
[redacted]