Sign in

Paris & Washington Twp. Home Ins

Sharing is caring! Have something to share about Paris & Washington Twp. Home Ins? Use RevDex to write a review
Reviews Paris & Washington Twp. Home Ins

Paris & Washington Twp. Home Ins Reviews (2)

Thank you for contacting us to make us aware of Ms. [redacted]' complaint. Attached to this email is a copy of the letter sent to Ms. [redacted], on 9/10/2015. It is our sincere hope that this will satisfy her request. Without getting into a more detailed monologue on why we have to so some of the difficult...

things we have to do (and this would be true of all property insurance companies) let me state that the apology in our letter is sincere. We really do dislike upsetting customers. We do not consider ourselves, as individuals or as a company, to be callous or uncaring. We do, though, have to run our affairs with the wellbeing of ALL customers in mind, and the financial integrity of the Company as well. As referenced in the letter, and which can be documented, the appearance and conditions at the [redacted] property would lead experienced, knowledgeable, professional insurance personnel to come to a conclusion that the property in question is often, if not currently, unoccupied...and probably vacant. This is not our first issue with Ms. [redacted] in that respect. It is our procedure to always go by our Company's standards and the policy provisions in taking any negative action against a policyholder or property. In this case, as referenced, we took the opportunity to do a closer inspection of this location. The decision was made to remove ourselves from this risk with the proper advance notice, which we honored.  Hopefully this will take care of the matter, and if you have other information to share, or questions, please let us know.  Thank you.

Thank you for alerting us to [redacted] complaint.  We will attempt to give you the facts of these claims/losses as our Company has documented.    [redacted] purchased a fire and extended coverage policy for her dwelling and contents back on March 21,...

2011.  This was a policy described to us as being for a property she had just purchased.  A large part of this home had what appeared to be newer "shingles," but parts of the roofing are covered by a rubber membrane as well.    [redacted] said to this Company that when she purchased the home it was represented to her that the  roof was "new." Since no documentation has been produced as to that, we cannot assume much on it's accuracy (it is quite common that a purchaser of a new property may not have any documentation on such things unless stipulated in writing within the purchase agreements.)  The roofing shingles appear tobe newer but the rubber membrane is not in particularly good condition.   [redacted] submitted a claim back on July 19, 2013 for what she states was “storm damage to roofing.”The claims representative from this Company did go to the insured’s dwelling, and met with [redacted] roofing contractor.  Our representative did much of his inspection from observations from a window, but contrary to [redacted] complaint, he also did get on the roof for a closer inspection and to take photographs.  Neither our representative or the contractor noted any storm damage. One of the pictures we will send with this letter clearly shows our claims representative's shoe on the roof.  Discussion with the contractor was such that both agreed that the style and construction of this roof, with combinations of built-in (or what is sometimes called “hidden gutters,) and shingles-to-rubber applications, and these are inheritantly poor for proper water drainage. They will and have caused water to accumulate and seep into the roof underneath, causing water damage over time.  It was evident at the time of inspections that previous attempts have been made to seal the shingle-to-rubber roofing. These attempts show many areas that document how there have been ongoing attempts to seal cracks and joints with thick applications of sealants.These areas are all around the roofing.  In addition, due to the age of the dwelling, and the constructions techniques used decades ago, when the current shingles were applied, it is evident that the installation techniques used by the roofer were not particularly good, and particularly on the roof’s edges  Also, one photograph shows how much the drainpipe has deteriorated and is separated by becoming rusted through.    All of this evidence led to the Company’s denial of [redacted] 2013 claim of storm damage.    In 2015 [redacted]r submitted another claim for basically the same issues.  Upon inspection of this claim it was noted that there was, again, no storm damage.  The only issues that are damaging this dwelling are from the continuing and ongoing water and building construction issues that were documented in 2013.  [redacted] [redacted] in both claims, has stated that she has had ongoing water and leakage issues and actually had stated that she noticed them since she purchased the home in 2011.  Costs to fix these issues is probably prohibitive but become the owner’s responsibility, not an insurance company’s (unless covered by some type of home damage warranty policy.)  [redacted] was claiming loss replacement specifically for her ceilings, walls, and wanted replacement of the gutters (those “hidden gutters”) around the perimeter of her home that are causing leaks.    As this and generally all home insurance policies do not cover (and specifically exclude these owner’s maintenance and upkeep responsibilities) the Company denied [redacted] second claim as well.  She has not documented anything that she may have or may have had done to alleviate her roofing water damages since 2011, yet admits that it has been an ongoing problem for her.  Home owners all experience these frustrations, but Fire and E/C insurance is not designed to repair her home for other than specific risks such as fire, windstorm, hail, smoke, etc.   Similar claims as submitted by [redacted] are also denied.  Fire and E/C policies are “named perils” policies.  The kind of damage [redacted] is claiming is not a named peril on her policy.  Our claims representative did step onto the roofing, contrary to her complaint. He did go up into the house to get better observation advantage, contrary to her complaint that he stayed on the ground “the entire time.” Letters were sent to [redacted] both in 2013 and again in August of 2015 stating the Company’s position for denying the claim(s) contrary to her complaint that we did not explain our reasoning.  The Company wonders and questions why the insured did not dispute our denials at those times.  The Company stated in writing, both times, that the insured was invited to contact the Company should she have other information that might cause the Company to reconsider their stance.  No other information has been received from [redacted] [redacted] until now, in 2016, we have her complaint. The policy contract [redacted] has with Paris & Washington clearly states that it is her responsibility to “protect” the property from further damages, yet her complaint seems to indicate that her home has been further damaged since 2013 apparently since no repairs were made since that time (she claims we should be responsible for “past and future damage.”)  Specifically, Paris & Washington is not responsible for this claimed past or future damage.      Our experience with insurance in general, claims, coverage, and personalities combines to see all of these issues result sometimes in confusion and frustration.  We see that [redacted] is upset and really needs to resolve the drainage and water issues at her home which she loves.  But even taking that into consideration, the company cannot go against the policy which is the #1 deciding factor in all claims.  There is no coverage available on [redacted] [redacted] continuing water damage that pertains to coverage from Policy# 11431.  We feel badly that she is upset and disgruntled. She is welcome, and always has been, to go over her policy and coverage with both her agent and/or Company representatives.   Very sincerely,
[redacted]Manager

Check fields!

Write a review of Paris & Washington Twp. Home Ins

Satisfaction rating
 
 
 
 
 
Upload here Increase visibility and credibility of your review by
adding a photo
Submit your review

Paris & Washington Twp. Home Ins Rating

Overall satisfaction rating

Address: 130 Union Ave, SE, Minerva, Ohio, United States, 44657

Phone:

Show more...

Web:

www.theringdepot.com

This site can’t be reached

Shady, yet now dead: once upon a time this website was reported to be associated with Paris & Washington Twp. Home Ins, but after several inspections we’ve come to the conclusion that this domain is no longer active.



Add contact information for Paris & Washington Twp. Home Ins

Add new contacts
A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | New | Updated