Claim in question was reported to Texas Farm Bureau Mutual Insurance Company on 5/13/2014.
5/14/2014 - Letter sent to [redacted] acknowledging that a claim had been filed under the [redacted] auto policy bearing policy number [redacted].
5/19/2014 -...
Recorded statement of [redacted] taken by a Texas Farm Bureau Claims Representative concerning the facts of the auto accident in question.
5/16/2014 - Letter sent to [redacted] confirming she did not wish to pursue a collision claim on her automobile.
5/26/2014 - Letter sent to [redacted] advising that Texas Farm Bureau Mutual has settled the property damage claim of the other party.
Our investigation of the auto accident in question revealed Ms. [redacted] to be the at fault party. She was notified of our liability determination in our letter of 5/26/2014 which is referenced above.
To Whom It May Concern: Your letter of April 15, 2016 to Texas Farm Bureau Insurance Companies regarding the above referenced complaint was forwarded to me for a response. Texas Farm Bureau Mutual Insurance Company insures [redacted] under the above-referenced Auto Policy. With regard to this...
complaint, the policy activity occurred as follows: Activity Date Transaction 02/26/2016 Policy Renewal Processed for the term 03/28/2016-09/28/2016 03/23/2016 Policy change processed effective 12/28/2015, policy debited $19.00 03/29/2016 Draft information sent to financial institution, and policy credited for $136.00 payment 03/30/2016 Policy cancellation processed effective 03/30/2016 per member request 03/31/2016 $119.00 refund for unearned premium mailed to member 4/1/2016 Members account drafted for $136.00 payment Refund check #500408 cashed by memberWe begin the draft transmittal process three days prior to the date the member has requested their account be drafted. At that time, our system assumes the payment will be made, and credits the billing account when the file is sent. In this case, the member was scheduled to draft on 4/1/2016, and the information was sent to their bank on 3/29/2016, and credited their account for the payment of $136.00. When the policy cancelled, a refund was generated and accounted for the 4/1/2016 payment of $136.00. The refund was cashed by the member on 4/6/2016 therefore we will not be able to credit the payment amount back to the member's bank account since the member has already received the refund in check form.Please let me know if I can be of further assistance on this matter. Thank you.
This matter is not resolved. There are a few inconsistencies with the company's response.
Based upon the initial inspection of Mr. [redacted]’s home, it could not be determined if Mr. [redacted]’s home suffered damage that was caused by a covered peril. I believe we all agree Mr. [redacted]’s home suffered damage due to wind driven rain. - my response - No, we can not all agree it was caused by wind driven rain. No one went up on the roof from the insurance company of the second story, nor did anyone enter the attic to view from within.
However, Mr. [redacted] was unable to determine if Mr. [redacted]’s policy covered the damage from wind driven rain based upon his inspection. - My response, Mr. [redacted] denied the claim on site claiming the issue was from wind driven rain. He stated it is not covered with great confidence and told me to contact my agent but he didn't see anything they would pay for.
Mr. [redacted]’s home is a two story home with an overhanging metal roof covering the porch, and metal roof covering the second story. Mr. [redacted] inspected Mr. [redacted]’s home. noting the water damage to the interior of Mr. [redacted]’s home. He was able to inspect the roof covering the porch, but was not able to get on the second story roof. The roofer at the scene was able to get on a portion of the roof covering the second story, but the steepness and the fact that the roof is metal did not allow for a thorough inspection due to safety concerns. - My response, completely false. The roofing contractor which came with Mr. [redacted] did NOT attempt to go up on the second story. Neither brought the equipment / ladder sufficient to even attempt to go up on the roof of the second story. I watched them on the porch roof from the ground and followed around the house as they went. No one attempted to get on the second floor roof.
We have had 4 rains since. Each is documented by date in my claim journal. The president of the company nor my agent have ever called me as I have requested multiple times. With each rain, we now receive more water inside the house coming down the drywall, little to no wind. Surely not 90 mph plus winds as from the original storm, so their claim the water damage within the house was cause by wind driven rain is insufficient with the rains since and water continuing to come in with each passing rain.
Please continue forward with this matter. I am available for questions or concerns with an appointment. Anytime I am on the phone, I request to know all parties and the role of each being included to listen in on the conversations.
I will also forward you my most up to date journal entries.
Thank you for forwarding Mrs. [redacted]’s concerns and giving us an opportunity to address them. Since the April 12th opening date of this complaint we have had email and phone communications with Mrs. [redacted]. I have attached several supporting documents. With each six month...
renewal offer we provide the renewal declarations page as well as a copy of the Consumer Bill of Rights for Personal Automobile Insurance. This information was provided following issuance of the policy and with each six month renewal. Among many things, this document addresses refusal to renew as well as what action insurance companies can take regarding refusal to renew related to not-at-fault claims. The document does not address at fault accidents as each insurer has their own requirements regarding at fault accidents. Since January 2015 there have been three at fault accidents, one no fault, one towing, and there is currently an open other party at fault (no fault) claim. Detailed list of claims experience is also attached to this email. With three paid at fault accidents within 13 months, we’re unable to offer renewal of the policy. Please find attached renewal declaration with Consumer Bill of Rights from the November 2, 2015 renewal term, email communication with Mrs. [redacted] through April 18, letter of experience sent to Mrs. [redacted], and as requested here, detailed report of payments made on current policy [redacted] and former policy [redacted]. If we can be of further assistance in the matter, please let me know. [redacted] CPCU, API REGIONAL UNDERWRITING MANAGER
[redacted]
[redacted]
[redacted]
[redacted]
P.O. Box [redacted] Waco, TX 76702-2689
Your email to Texas Farm Bureau Insurance Companies regarding the above referenced complaint was forwarded to me for a response.
Our office received the request for cancellation from the local agent’s office. The requested effective date was prior to the renewal effective date. Because the current renewal premium had already been paid, the cancellation request had to be manually processed which caused the delay. On April 28, 2016, the cancellation refund was mailed to the member, and it was cashed on May 10, 2016.
I believe this matter has been resolved. Please let me know if I can be of further assistance on this matter. Thank you.
June 8, 2015 Revdex.com[redacted]Austin, Tx [redacted]Via Revdex.com website Re: ID #: ...
[redacted] Subject: [redacted] [redacted] Policy Number(s): Auto- [redacted] To Whom It May Concern: Your letter of June 5, 2015 to [redacted] regarding the above referenced complaint was forwarded to me for a response. In response to correspondence received from Ms. [redacted], the policy in question has been reinstated back to its previous state, prior to the vehicle change. Please let me know if I can be of further assistance in this matter. Sincerely, [redacted]Vice President, Policy Services cc: [redacted]cc: [redacted] [redacted]
Your email to Texas Farm Bureau Insurance Companies regarding the above referenced complaint was forwarded to me for a response.
On June 19, 2015 policy [redacted] was issued effective May 22, 2015- May 22, 2016 with a counteroffer from our Underwriters to correct the construction of the dwelling, which resulted in a higher premium. At that time, a payment of $793.00 was applied and a billing was sent for an additional premium of $145.00 due July 22, 2015. On March 16, 2016 a New Business Billing Past Due – Final Notice for $145.00 was mailed with a due date of March 26, 2016. On March 29, 2016 payment had not been received, and the policy cancelled for non-payment effective March 26, 2016. A notice of cancellation was mailed at that time. Despite our efforts to collect the additional amount due, the premium was not paid in full and resulted in policy cancellation.
Proper notification was sent to the insured, and there has been no error on the part of Texas Farm Bureau Insurance Companies. Please let me know if I can be of further assistance on this matter. Thank you.
Claim in question was reported to Texas Farm Bureau Mutual Insurance Company on 5/13/2014.
5/14/2014 - Letter sent to [redacted] acknowledging that a claim had been filed under the [redacted] auto policy bearing policy number [redacted].
5/19/2014 -...
Recorded statement of [redacted] taken by a Texas Farm Bureau Claims Representative concerning the facts of the auto accident in question.
5/16/2014 - Letter sent to [redacted] confirming she did not wish to pursue a collision claim on her automobile.
5/26/2014 - Letter sent to [redacted] advising that Texas Farm Bureau Mutual has settled the property damage claim of the other party.
Our investigation of the auto accident in question revealed Ms. [redacted] to be the at fault party. She was notified of our liability determination in our letter of 5/26/2014 which is referenced above.
To Whom It May Concern: Your letter of April 15, 2016 to Texas Farm Bureau Insurance Companies regarding the above referenced complaint was forwarded to me for a response. Texas Farm Bureau Mutual Insurance Company insures [redacted] under the above-referenced Auto Policy. With regard to this...
complaint, the policy activity occurred as follows: Activity Date Transaction 02/26/2016 Policy Renewal Processed for the term 03/28/2016-09/28/2016 03/23/2016 Policy change processed effective 12/28/2015, policy debited $19.00 03/29/2016 Draft information sent to financial institution, and policy credited for $136.00 payment 03/30/2016 Policy cancellation processed effective 03/30/2016 per member request 03/31/2016 $119.00 refund for unearned premium mailed to member 4/1/2016 Members account drafted for $136.00 payment Refund check #500408 cashed by memberWe begin the draft transmittal process three days prior to the date the member has requested their account be drafted. At that time, our system assumes the payment will be made, and credits the billing account when the file is sent. In this case, the member was scheduled to draft on 4/1/2016, and the information was sent to their bank on 3/29/2016, and credited their account for the payment of $136.00. When the policy cancelled, a refund was generated and accounted for the 4/1/2016 payment of $136.00. The refund was cashed by the member on 4/6/2016 therefore we will not be able to credit the payment amount back to the member's bank account since the member has already received the refund in check form.Please let me know if I can be of further assistance on this matter. Thank you.
This matter is not resolved. There are a few inconsistencies with the company's response.
Based upon the initial inspection of Mr. [redacted]’s home, it could not be determined if Mr. [redacted]’s home suffered damage that was caused by a covered peril. I believe we all agree Mr. [redacted]’s home suffered damage due to wind driven rain. - my response - No, we can not all agree it was caused by wind driven rain. No one went up on the roof from the insurance company of the second story, nor did anyone enter the attic to view from within.
However, Mr. [redacted] was unable to determine if Mr. [redacted]’s policy covered the damage from wind driven rain based upon his inspection. - My response, Mr. [redacted] denied the claim on site claiming the issue was from wind driven rain. He stated it is not covered with great confidence and told me to contact my agent but he didn't see anything they would pay for.
Mr. [redacted]’s home is a two story home with an overhanging metal roof covering the porch, and metal roof covering the second story. Mr. [redacted] inspected Mr. [redacted]’s home. noting the water damage to the interior of Mr. [redacted]’s home. He was able to inspect the roof covering the porch, but was not able to get on the second story roof. The roofer at the scene was able to get on a portion of the roof covering the second story, but the steepness and the fact that the roof is metal did not allow for a thorough inspection due to safety concerns. - My response, completely false. The roofing contractor which came with Mr. [redacted] did NOT attempt to go up on the second story. Neither brought the equipment / ladder sufficient to even attempt to go up on the roof of the second story. I watched them on the porch roof from the ground and followed around the house as they went. No one attempted to get on the second floor roof.
We have had 4 rains since. Each is documented by date in my claim journal. The president of the company nor my agent have ever called me as I have requested multiple times. With each rain, we now receive more water inside the house coming down the drywall, little to no wind. Surely not 90 mph plus winds as from the original storm, so their claim the water damage within the house was cause by wind driven rain is insufficient with the rains since and water continuing to come in with each passing rain.
Please continue forward with this matter. I am available for questions or concerns with an appointment. Anytime I am on the phone, I request to know all parties and the role of each being included to listen in on the conversations.
I will also forward you my most up to date journal entries.
Thank you.
Regards,
[redacted]
Thank you for forwarding Mrs. [redacted]’s concerns and giving us an opportunity to address them. Since the April 12th opening date of this complaint we have had email and phone communications with Mrs. [redacted]. I have attached several supporting documents. With each six month...
renewal offer we provide the renewal declarations page as well as a copy of the Consumer Bill of Rights for Personal Automobile Insurance. This information was provided following issuance of the policy and with each six month renewal. Among many things, this document addresses refusal to renew as well as what action insurance companies can take regarding refusal to renew related to not-at-fault claims. The document does not address at fault accidents as each insurer has their own requirements regarding at fault accidents. Since January 2015 there have been three at fault accidents, one no fault, one towing, and there is currently an open other party at fault (no fault) claim. Detailed list of claims experience is also attached to this email. With three paid at fault accidents within 13 months, we’re unable to offer renewal of the policy. Please find attached renewal declaration with Consumer Bill of Rights from the November 2, 2015 renewal term, email communication with Mrs. [redacted] through April 18, letter of experience sent to Mrs. [redacted], and as requested here, detailed report of payments made on current policy [redacted] and former policy [redacted]. If we can be of further assistance in the matter, please let me know. [redacted] CPCU, API REGIONAL UNDERWRITING MANAGER
[redacted]
[redacted]
[redacted]
[redacted]
P.O. Box [redacted] Waco, TX 76702-2689
Re: Complaint ID: [redacted]
Subject: [redacted]...
[redacted]
Policy Number: [redacted]
To Whom It May Concern:
Your email to Texas Farm Bureau Insurance Companies regarding the above referenced complaint was forwarded to me for a response.
Our office received the request for cancellation from the local agent’s office. The requested effective date was prior to the renewal effective date. Because the current renewal premium had already been paid, the cancellation request had to be manually processed which caused the delay. On April 28, 2016, the cancellation refund was mailed to the member, and it was cashed on May 10, 2016.
I believe this matter has been resolved. Please let me know if I can be of further assistance on this matter. Thank you.
June 8, 2015 Revdex.com[redacted]Austin, Tx [redacted]Via Revdex.com website Re: ID #: ...
[redacted] Subject: [redacted] [redacted] Policy Number(s): Auto- [redacted] To Whom It May Concern: Your letter of June 5, 2015 to [redacted] regarding the above referenced complaint was forwarded to me for a response. In response to correspondence received from Ms. [redacted], the policy in question has been reinstated back to its previous state, prior to the vehicle change. Please let me know if I can be of further assistance in this matter. Sincerely, [redacted]Vice President, Policy Services cc: [redacted]cc: [redacted] [redacted]
Re: Complaint ID: [redacted]
Subject: [redacted]...
[redacted]
Policy Number: [redacted]
To Whom It May Concern:
Your email to Texas Farm Bureau Insurance Companies regarding the above referenced complaint was forwarded to me for a response.
On June 19, 2015 policy [redacted] was issued effective May 22, 2015- May 22, 2016 with a counteroffer from our Underwriters to correct the construction of the dwelling, which resulted in a higher premium. At that time, a payment of $793.00 was applied and a billing was sent for an additional premium of $145.00 due July 22, 2015. On March 16, 2016 a New Business Billing Past Due – Final Notice for $145.00 was mailed with a due date of March 26, 2016. On March 29, 2016 payment had not been received, and the policy cancelled for non-payment effective March 26, 2016. A notice of cancellation was mailed at that time. Despite our efforts to collect the additional amount due, the premium was not paid in full and resulted in policy cancellation.
Proper notification was sent to the insured, and there has been no error on the part of Texas Farm Bureau Insurance Companies. Please let me know if I can be of further assistance on this matter. Thank you.