Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11487797, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[It seems like, Ameriprise don't want to settle thisPlease provide me my legal options]
Regards,
Balwant Singh
Thank you for sending the complaint filed by Mr*** ***,
which we received on November 17, We understand that
he
would like additional details surrounding a change in premiumWe
appreciate the opportunity to address
his concerns.The changes to
Mr***’s premium are
due to a rate revision that was filed with the Ohio Department of Insurance and
became effective for policy terms beginning on or after March 10, The
overall change for our homeowners program was %; however, the realignment
of our rates affects each policyholder differently based on the individual
characteristics of their policyStatistical data is collected and
analyzed periodically to determine if the rates being charged are adequate to
cover future losses and operating expensesOur recent analysis showed that a
rate increase was necessary to support our projected claims and operating
expenses in OhioOur analysis involved an evaluation of many important
insurance risk factors, such as: the exposure to all of the various perils
covered by the homeowner’s policy, the geographic location of each risk, and
the specific characteristics of the insured dwelling and homeownerThe rate
increase was necessary for us to continue to provide the same high-quality, comprehensive
coverage on which our clients have come to rely. Mr*** expressed concern
about his premium increasing because he filed a claim. While his individual premium was not
increased because of the claim, loss information is one category of statistics
used when analyzing and setting our overall rates. We regret that Mr*** was
dissatisfied with the adjusting service we engaged on his claim. We will review the service records and provide
any necessary feedback to improve future interactions. If you have any questions about this
information, you may contact our Client Service department at ###-###-####
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]The response was the same as the first one The problem I have with the business is that I was told my insurance was full coverage That is what I wanted when I purchased the plan I was never told there were any reasons my car wouldn't be covered fully It doesn't matter if it's wear and tear or corrosion present That is not the problem The problem is the policy was not explained to me that it is not full coverage and that in some cases, damage to the car would not be covered I only submitted this complaint because of the falsified product that was sold to me If Ameriprise wants continued business from me they should consider taking care of me with this situation
Regards,
*** ***
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. I will pay for new roof
Regards,
*** ***
Thank you for sending the complaint filed by Ms*** ***, which we received on September 2,We understand that she feels there was a delay processing the claimWe appreciate the opportunityto address her concerns.Ms*** filed a theft claim with us on Saturday, August 15, On
Monday, August 17,2015, wecontacted Ms*** and obtained a recorded statementAt that time we also requested a copy of thepolice report and an Affidavit of Theft to be completed by Ms***On August 19,2015, we receiveda domestic dispute police report as Ms*** was not able to file a stolen vehicle report.On August 24, 2015, we again requested the completed Affidavit of Theft and also requested a copy ofthe lease agreement, title to the vehicle, and cell phone records.On August 26, 2015, we received the Affidavit of Theft, title and registration, as well as cell phonerecordsOn August 27, 2015, we received a copy of the lease agreement.On September 1, 2015, Ms*** provided us with the full name, address and phone number of theperson who allegedly stole her vehicle ..On September 2, 2015, we received the full police report from the police department with supportinginfonnation which concluded our investigationAs the vehicle was detenmned to be stolen, no coverageis afforded for damages incurred by the other parties whose vehicles were struck by the stolen vehicle.On September 3, 2015, we finalized the vehicle total loss settlement with Ms***We also requestedMs*** provide us with receipts for the rental vehicle for reimbursementAt this time, we areawaiting the vehicle Power of Attorney form and the rental invoice in order to issue payment
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
Thank you for sending the complaint filed by Ms*** ***, which we received on June 29, 2015.We understand that she would like a more detailed explanation of why the policy was canceledWeappreciate the opportunity to address her concerns and believe the following timeline will help
provideclarification.• On April 17, 2015, we mailed the June 22, to June 22,renewal offer.• On May 8, 2015, Ms*** called to cancel her automobile insurance policyAt that time, she alsochanged her payment plan on her home policy to a direct full pay.That same day, we mailed a premium notice in the amount of $1,with a due date ofJune 22,The premium notice states, "Failure to pay the premium by the due date will result in thecancellation of your policy."• We did not receive payment by June 22, 2016; therefore, the policy lapsed because the renewalpremium was not paid on time.• On June 25,2015, Ms*** called to request policy reinstatementWe denied reinstatement due toa lapse in coverage and break in the contract when the policy cancelled for nonpayment of premium.We recognize and appreciate that Ms*** has been a long-term client, and we sympathize with herpersonal difficultiesWe understand that this is not the outcome she would like; however, based upon thefacts of the situation, we respectfully maintain our decision not to reinstate the policy.Tfyou have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the complaint filed by Mr*** **, which we received on June 10, We understand that he feels there was a delay processing the claimWe appreciate the opportunity to address his concerns.We regret that Mr**’s claim experience did not meet his expectations and we
understand his concernsIn reviewing his claim, we learned that an estimate of $had not reached us for approvalWe sent this amount to Mr** on June 14, and we spoke with him and learned that he has additional damage to his roof requiring repairWe assigned a new appraisal company to inspect the roof along with Mr**’s contractor.We are confident that Mr** is now satisfied with the direction of our claim handlingHowever, if there are remaining questions about this information, you may contact me at ###-###-####, Ext
Thank you for sending the complaint filed by *** ***, which we received on July 22, 2015.We understand that he would like a more detailed explanation of why the policy was not renewedWeappreciate the opportunity to address his concerns.We requested additional information from Mr
*** prior to offering his renewalUnfortunately,we did not receive the requested information and !he policy was scheduled to non-renewMr.*** contacted us to determine what information was required to continue his coverageWe havesince received the requested information, and the policy was renewed and Mr***'s coveragecontinued
Thank you for sending the follrequest regarding the complaint filed by Ms*** ***.As we explained in our previous response, Ms***'s policy was issued, with her authorization,on an automatic credit card payment plan, and we did not receive any request from Ms*** todiscontinue the automatic credit card payments.We mailed Ms***'s renewals days prior to the renewal dates to the last known address onfileWe did not receive any of the notices in return mail, and we were unaware that she had moved.On June 22,2015, when Ms*** called to inform us her policy should have been canceled in2013, we informed her that the policy automatically renews unless she requests cancellation of the policy.Our policy states "You may cancel this policy by returning it to us or by notifying us in writing of thedate to cancel, which must be later than the date you mail or deliver it to us." Prior to June 22,2015, wedid not receive any request to cancel the policy, and if Ms*** would have had a loss during thistime we would have covered itTherefore, we are unable to provide a refund.If you have any questions about this information, you may contact me at ###-###-####, Ext####
Thank you for sending the follow up to the complaint filed by Hector ***, which we received onOctober 20, We understand that he would like a more detailed explanation of why coverage was notofferedWe appreciate the opportunity to address his concerns.We apologize for any misunderstanding or inconvenience Mr*** has experiencedFor householdmembers related to the name insured by blood, marriage or adoption (including ward or foster children),our guidelines require proof of insurance that has bodily injury limits that are the same as or higher thanthose of the name insuredWe also require primary operators to be rated according to their assignedvehicle, which in turn may affect the rate.On October 29, 2016, we contacted Mr*** to inquire if he was still interested in getting a policyand to offer to review his optionsMr*** immediately indicated he was not interested in proceedingwith the policyBecause he did not want to move forward, we did not attempt to contact Mr***after that
Dear Mr***:Thank you for sending the complaint filed by Ms*** **, which we received on June 27, 2016.We have attempted to locate a claim number corresponding to Ms** and the information she provided in her letter, however, we have been unsuccess**lPlease provide us with our claim
number or other identifying information such as our insured’s name and/or policy number or other aliases under which this claim may have been filed.Once, we are able to associate Ms** with a claim, we will respond to the inquiry.If you have any questions about this information, you may contact me at ###-###-####, Ext6598.Sincerely,
Thank you for sending the complaint filed by MsAmy *** and Rebecca ***, which we receivedon 10/04/We understand that she feels there was a delay processing the claimWe appreciate theopportunity to address her concerns.In further discussion with Ms***’s and Ms***’s contractor we were able to come to anagreement on repairs on October 3, We also authorized housing for Ms*** and Ms***OnOctober 3, 2016, we advised to save their invoices and submit for reimbursementAt this time we havebeen able reached desired resolutions outlined by Ms*** and Ms***.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the complaint filed by Mr*** ***, which we received on May 25, We understand that he disagrees with our decision regarding the claimWe appreciate the opportunity to address his concerns.Mr***’s Toyota Camry rear-ended another vehicle in a loss on May 14,
We appraised his vehicle and it was determined the damages exceeded the value of the vehicle, therefore, it was considered a total lossMr***’s vehicle was located at a repair shop collecting a daily storage chargeIn an effort to reduce incurred costs, we explained to Mr*** the need to move his vehicle to an alternative storage locationWe assured him, should the status of repairs change, his vehicle would be moved to his repair shop of choice at our expense.We presented Mr*** with our total loss evaluation on his vehicle, however, he was opposed to it, requesting instead to have his vehicle repairedWe reviewed our evaluation and on May 27, we sent payment to him in the amount of $2,721, after his Collision deductible which reflects the amount of the guaranteed repair contract from his repair shopWe also moved his vehicle back to his repair shop of choice.Rental has been approved for Mr*** while his vehicle is being repaired.We are pleased we were able to work with Mr*** and resolve his claim as he requested with the repair of his vehicleWe do not anticipate any further questions, but if anything remains, please contact me at ###-###-####, Ext5613.Sincerely,
Thank you for your *** 19, 2016, follto the complaint filed by Mr*** ***We appreciate the opportunity to provide additional information.We have reviewed our conversations with Mr*** and on March 16, 2016, Mr*** requested the addition of *** *** and a Ford Ranger to his policyDuring this conversation there was no mention that *** would be residing in the household for only two weeksWe asked Mr*** two times during our conversation if *** resided in the household and both times Mr*** said, yes.We informed Mr*** that because *** is a licensed driver in the household without other insurance he would be afforded coverage under this policy therefore he would need to be listed as a driver on the policy.On March 19, 2016, Ms*** ***, Mr*** step mother, called and requested the removal of *** from Mr*** policyMs*** stated *** is only visiting for a couple of weeksWe informed Ms*** due to the conflicting information we would need to receive documentation showing *** permanently resides at a different residence and/or has other insuranceMs*** informed us that *** does not have other coverage or proof of other residency availableWe informed Ms*** we would not be able to remove *** from the policy without receiving the proof of residency and/or proof he has other insurance.If Mr*** can provide documentation that *** permanently resides at a different residence and/or has other insurance with Bodily Injury limits equal to his, we remain willing to consider removing him from the policy.Again, for reference, our Insured Person guideline includes the following:"We will pay damages for which an insured person is legally liable because of bodily injury or property damage resulting from the ownership, maintenance or use of a car or utility trailerAn insured person means: you or a relative; a person using your insured carA relative is defined as a person living in your household and related to you by blood, marriage or adoption, including a ward or foster child and who doesn't own a car and whose spouse doesn't own a car."If you have any questions about this information, you may contact me at ###-###-####, Ext
Thank you for sending the complaint filed by Mr*** ***, which we received on September 3,We understand that he disagrees with our decision regarding the claimWe appreciate thcopportunity to address his concerns.We received the notice of loss from Ms*** *** on August
11, The original reporteddate of loss was August 6, We assigned ICA Claims to contact Ms*** to further discuss thescope of damage and to complete an on-site inspectionICA completed their inspection on August 14,2105, and found hail damage to the roof.Upon our review of the policy and of the storm, we found the most recent hailstorm in Mr***'sarea occurred on May 23, 2014, during which 1.75-inch hail was reportedMr***'s policy was notactive with us until February I, 2015.In his complaint, Mr*** explained that there were also hailstorms on June 15, 2015, and July 15,We are unable to find any reports of hail anywhere in the state of North Carolina on these dates.ICA estimated the interior damage at $627.88, which is below the $,policy deductibleWe would bewilling to consider coverage for the interior damage if Mr*** provides us with a copy of thecontractor estimate quoted at $2,The estimate should be ***with"Claim ***" referenced in the subject line
Thank you for sending the follcomplaint tiled by Ms*** ***, which we received on August3,2015.Ms*** requested that the adjuster and her contractor meet at her home so she can discuss the loss withthemWe will have the adjuster contact Ms*** to arrange a meeting date and timeAfter that hasbeen detennined, we ask that Ms*** contact her chosen contractor, *** ***, to inform him of thedate and time.After the reinspection has taken place, we will receive and review a report from the adjuster, and then wewill contact Ms*** to discuss the findings
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Thank you for sending the follcomplaint filed by Ms*** ***, which we received on July20, We appreciate the opportunity to address her additional concerns surrounding the reinstatementof the policy.On July 17, 2015, we informed Ms*** that we will reinstate her policy without a lapse in coverage.Ms*** accepted our offer and the policy was reinstated without a lapse in coverage effective June22,2015.We will provide a refund if Ms*** is able to provide proof of continuous coverage with anothercompany from June 22, to July 17, 2015.Ms*** also has the option of backdating the cancellation of her policy with her new insurancecompany by providing them a copy of her Ameriprise declarations page showing continuous coveragesince JWle 22, She would then receive a refund from them
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11487797, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[It seems like, Ameriprise don't want to settle thisPlease provide me my legal options]
Regards,
Balwant Singh
Thank you for sending the complaint filed by Mr*** ***,
which we received on November 17, We understand that
he
would like additional details surrounding a change in premiumWe
appreciate the opportunity to address
his concerns.The changes to
Mr***’s premium are
due to a rate revision that was filed with the Ohio Department of Insurance and
became effective for policy terms beginning on or after March 10, The
overall change for our homeowners program was %; however, the realignment
of our rates affects each policyholder differently based on the individual
characteristics of their policyStatistical data is collected and
analyzed periodically to determine if the rates being charged are adequate to
cover future losses and operating expensesOur recent analysis showed that a
rate increase was necessary to support our projected claims and operating
expenses in OhioOur analysis involved an evaluation of many important
insurance risk factors, such as: the exposure to all of the various perils
covered by the homeowner’s policy, the geographic location of each risk, and
the specific characteristics of the insured dwelling and homeownerThe rate
increase was necessary for us to continue to provide the same high-quality, comprehensive
coverage on which our clients have come to rely. Mr*** expressed concern
about his premium increasing because he filed a claim. While his individual premium was not
increased because of the claim, loss information is one category of statistics
used when analyzing and setting our overall rates. We regret that Mr*** was
dissatisfied with the adjusting service we engaged on his claim. We will review the service records and provide
any necessary feedback to improve future interactions. If you have any questions about this
information, you may contact our Client Service department at ###-###-####
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]The response was the same as the first one The problem I have with the business is that I was told my insurance was full coverage That is what I wanted when I purchased the plan I was never told there were any reasons my car wouldn't be covered fully It doesn't matter if it's wear and tear or corrosion present That is not the problem The problem is the policy was not explained to me that it is not full coverage and that in some cases, damage to the car would not be covered I only submitted this complaint because of the falsified product that was sold to me If Ameriprise wants continued business from me they should consider taking care of me with this situation
Regards,
*** ***
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. I will pay for new roof
Regards,
*** ***
Thank you for sending the complaint filed by Ms*** ***, which we received on September 2,We understand that she feels there was a delay processing the claimWe appreciate the opportunityto address her concerns.Ms*** filed a theft claim with us on Saturday, August 15, On
Monday, August 17,2015, wecontacted Ms*** and obtained a recorded statementAt that time we also requested a copy of thepolice report and an Affidavit of Theft to be completed by Ms***On August 19,2015, we receiveda domestic dispute police report as Ms*** was not able to file a stolen vehicle report.On August 24, 2015, we again requested the completed Affidavit of Theft and also requested a copy ofthe lease agreement, title to the vehicle, and cell phone records.On August 26, 2015, we received the Affidavit of Theft, title and registration, as well as cell phonerecordsOn August 27, 2015, we received a copy of the lease agreement.On September 1, 2015, Ms*** provided us with the full name, address and phone number of theperson who allegedly stole her vehicle ..On September 2, 2015, we received the full police report from the police department with supportinginfonnation which concluded our investigationAs the vehicle was detenmned to be stolen, no coverageis afforded for damages incurred by the other parties whose vehicles were struck by the stolen vehicle.On September 3, 2015, we finalized the vehicle total loss settlement with Ms***We also requestedMs*** provide us with receipts for the rental vehicle for reimbursementAt this time, we areawaiting the vehicle Power of Attorney form and the rental invoice in order to issue payment
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
Thank you for sending the complaint filed by Ms*** ***, which we received on June 29, 2015.We understand that she would like a more detailed explanation of why the policy was canceledWeappreciate the opportunity to address her concerns and believe the following timeline will help
provideclarification.• On April 17, 2015, we mailed the June 22, to June 22,renewal offer.• On May 8, 2015, Ms*** called to cancel her automobile insurance policyAt that time, she alsochanged her payment plan on her home policy to a direct full pay.That same day, we mailed a premium notice in the amount of $1,with a due date ofJune 22,The premium notice states, "Failure to pay the premium by the due date will result in thecancellation of your policy."• We did not receive payment by June 22, 2016; therefore, the policy lapsed because the renewalpremium was not paid on time.• On June 25,2015, Ms*** called to request policy reinstatementWe denied reinstatement due toa lapse in coverage and break in the contract when the policy cancelled for nonpayment of premium.We recognize and appreciate that Ms*** has been a long-term client, and we sympathize with herpersonal difficultiesWe understand that this is not the outcome she would like; however, based upon thefacts of the situation, we respectfully maintain our decision not to reinstate the policy.Tfyou have any questions about this information, you may contact me at ###-###-####, Ext***
Attached is the final response for review
Thank you for sending the complaint filed by Mr*** **, which we received on June 10, We understand that he feels there was a delay processing the claimWe appreciate the opportunity to address his concerns.We regret that Mr**’s claim experience did not meet his expectations and we
understand his concernsIn reviewing his claim, we learned that an estimate of $had not reached us for approvalWe sent this amount to Mr** on June 14, and we spoke with him and learned that he has additional damage to his roof requiring repairWe assigned a new appraisal company to inspect the roof along with Mr**’s contractor.We are confident that Mr** is now satisfied with the direction of our claim handlingHowever, if there are remaining questions about this information, you may contact me at ###-###-####, Ext
Thank you for sending the complaint filed by *** ***, which we received on July 22, 2015.We understand that he would like a more detailed explanation of why the policy was not renewedWeappreciate the opportunity to address his concerns.We requested additional information from Mr
*** prior to offering his renewalUnfortunately,we did not receive the requested information and !he policy was scheduled to non-renewMr.*** contacted us to determine what information was required to continue his coverageWe havesince received the requested information, and the policy was renewed and Mr***'s coveragecontinued
Thank you for sending the follrequest regarding the complaint filed by Ms*** ***.As we explained in our previous response, Ms***'s policy was issued, with her authorization,on an automatic credit card payment plan, and we did not receive any request from Ms*** todiscontinue the automatic credit card payments.We mailed Ms***'s renewals days prior to the renewal dates to the last known address onfileWe did not receive any of the notices in return mail, and we were unaware that she had moved.On June 22,2015, when Ms*** called to inform us her policy should have been canceled in2013, we informed her that the policy automatically renews unless she requests cancellation of the policy.Our policy states "You may cancel this policy by returning it to us or by notifying us in writing of thedate to cancel, which must be later than the date you mail or deliver it to us." Prior to June 22,2015, wedid not receive any request to cancel the policy, and if Ms*** would have had a loss during thistime we would have covered itTherefore, we are unable to provide a refund.If you have any questions about this information, you may contact me at ###-###-####, Ext####
Thank you for sending the follow up to the complaint filed by Hector ***, which we received onOctober 20, We understand that he would like a more detailed explanation of why coverage was notofferedWe appreciate the opportunity to address his concerns.We apologize for any misunderstanding or inconvenience Mr*** has experiencedFor householdmembers related to the name insured by blood, marriage or adoption (including ward or foster children),our guidelines require proof of insurance that has bodily injury limits that are the same as or higher thanthose of the name insuredWe also require primary operators to be rated according to their assignedvehicle, which in turn may affect the rate.On October 29, 2016, we contacted Mr*** to inquire if he was still interested in getting a policyand to offer to review his optionsMr*** immediately indicated he was not interested in proceedingwith the policyBecause he did not want to move forward, we did not attempt to contact Mr***after that
Dear Mr***:Thank you for sending the complaint filed by Ms*** **, which we received on June 27, 2016.We have attempted to locate a claim number corresponding to Ms** and the information she provided in her letter, however, we have been unsuccess**lPlease provide us with our claim
number or other identifying information such as our insured’s name and/or policy number or other aliases under which this claim may have been filed.Once, we are able to associate Ms** with a claim, we will respond to the inquiry.If you have any questions about this information, you may contact me at ###-###-####, Ext6598.Sincerely,
Thank you for sending the complaint filed by MsAmy *** and Rebecca ***, which we receivedon 10/04/We understand that she feels there was a delay processing the claimWe appreciate theopportunity to address her concerns.In further discussion with Ms***’s and Ms***’s contractor we were able to come to anagreement on repairs on October 3, We also authorized housing for Ms*** and Ms***OnOctober 3, 2016, we advised to save their invoices and submit for reimbursementAt this time we havebeen able reached desired resolutions outlined by Ms*** and Ms***.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the complaint filed by Mr*** ***, which we received on May 25, We understand that he disagrees with our decision regarding the claimWe appreciate the opportunity to address his concerns.Mr***’s Toyota Camry rear-ended another vehicle in a loss on May 14,
We appraised his vehicle and it was determined the damages exceeded the value of the vehicle, therefore, it was considered a total lossMr***’s vehicle was located at a repair shop collecting a daily storage chargeIn an effort to reduce incurred costs, we explained to Mr*** the need to move his vehicle to an alternative storage locationWe assured him, should the status of repairs change, his vehicle would be moved to his repair shop of choice at our expense.We presented Mr*** with our total loss evaluation on his vehicle, however, he was opposed to it, requesting instead to have his vehicle repairedWe reviewed our evaluation and on May 27, we sent payment to him in the amount of $2,721, after his Collision deductible which reflects the amount of the guaranteed repair contract from his repair shopWe also moved his vehicle back to his repair shop of choice.Rental has been approved for Mr*** while his vehicle is being repaired.We are pleased we were able to work with Mr*** and resolve his claim as he requested with the repair of his vehicleWe do not anticipate any further questions, but if anything remains, please contact me at ###-###-####, Ext5613.Sincerely,
Thank you for your *** 19, 2016, follto the complaint filed by Mr*** ***We appreciate the opportunity to provide additional information.We have reviewed our conversations with Mr*** and on March 16, 2016, Mr*** requested the addition of *** *** and a Ford Ranger to his policyDuring this conversation there was no mention that *** would be residing in the household for only two weeksWe asked Mr*** two times during our conversation if *** resided in the household and both times Mr*** said, yes.We informed Mr*** that because *** is a licensed driver in the household without other insurance he would be afforded coverage under this policy therefore he would need to be listed as a driver on the policy.On March 19, 2016, Ms*** ***, Mr*** step mother, called and requested the removal of *** from Mr*** policyMs*** stated *** is only visiting for a couple of weeksWe informed Ms*** due to the conflicting information we would need to receive documentation showing *** permanently resides at a different residence and/or has other insuranceMs*** informed us that *** does not have other coverage or proof of other residency availableWe informed Ms*** we would not be able to remove *** from the policy without receiving the proof of residency and/or proof he has other insurance.If Mr*** can provide documentation that *** permanently resides at a different residence and/or has other insurance with Bodily Injury limits equal to his, we remain willing to consider removing him from the policy.Again, for reference, our Insured Person guideline includes the following:"We will pay damages for which an insured person is legally liable because of bodily injury or property damage resulting from the ownership, maintenance or use of a car or utility trailerAn insured person means: you or a relative; a person using your insured carA relative is defined as a person living in your household and related to you by blood, marriage or adoption, including a ward or foster child and who doesn't own a car and whose spouse doesn't own a car."If you have any questions about this information, you may contact me at ###-###-####, Ext
Thank you for sending the complaint filed by Mr*** ***, which we received on September 3,We understand that he disagrees with our decision regarding the claimWe appreciate thcopportunity to address his concerns.We received the notice of loss from Ms*** *** on August
11, The original reporteddate of loss was August 6, We assigned ICA Claims to contact Ms*** to further discuss thescope of damage and to complete an on-site inspectionICA completed their inspection on August 14,2105, and found hail damage to the roof.Upon our review of the policy and of the storm, we found the most recent hailstorm in Mr***'sarea occurred on May 23, 2014, during which 1.75-inch hail was reportedMr***'s policy was notactive with us until February I, 2015.In his complaint, Mr*** explained that there were also hailstorms on June 15, 2015, and July 15,We are unable to find any reports of hail anywhere in the state of North Carolina on these dates.ICA estimated the interior damage at $627.88, which is below the $,policy deductibleWe would bewilling to consider coverage for the interior damage if Mr*** provides us with a copy of thecontractor estimate quoted at $2,The estimate should be ***with"Claim ***" referenced in the subject line
Thank you for sending the follcomplaint tiled by Ms*** ***, which we received on August3,2015.Ms*** requested that the adjuster and her contractor meet at her home so she can discuss the loss withthemWe will have the adjuster contact Ms*** to arrange a meeting date and timeAfter that hasbeen detennined, we ask that Ms*** contact her chosen contractor, *** ***, to inform him of thedate and time.After the reinspection has taken place, we will receive and review a report from the adjuster, and then wewill contact Ms*** to discuss the findings
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Thank you for sending the follcomplaint filed by Ms*** ***, which we received on July20, We appreciate the opportunity to address her additional concerns surrounding the reinstatementof the policy.On July 17, 2015, we informed Ms*** that we will reinstate her policy without a lapse in coverage.Ms*** accepted our offer and the policy was reinstated without a lapse in coverage effective June22,2015.We will provide a refund if Ms*** is able to provide proof of continuous coverage with anothercompany from June 22, to July 17, 2015.Ms*** also has the option of backdating the cancellation of her policy with her new insurancecompany by providing them a copy of her Ameriprise declarations page showing continuous coveragesince JWle 22, She would then receive a refund from them