QBE Insurance

We had a flood on November 15, 2021. It is now 12/17/2021. Monica did not contact us for 16 days. She has not answered the phone except for maybe once a week; if that and does not answer direct questions. Susan has done little to nothing to support us. We have little to no information about lodging, or laundry, or repairs. When called to ask for support, Monica is rude, and yells and speaks over without asking direct questions like: "when did you submit the estimate?" She spoke over me, demeaningly, and refused to answer the question. This has been the worst experience during an already very stressful time. Monica and Susan have been HORRIBLE.

I have sent an email to the complainant requesting for a Policy and/or Claim number to identify this claimI made attempts to reach the complainant by telephone at both the daytime and evening numbers provided - there was either no room in the voice mailbox or no voice mailbox set up.Thank you.***

Onbehalf of QBE Insurance Corporation, please accept this in response to your correspondence dated October 6, A policy was issued to Rachel Brodsky and/or [redacted] by QBE Insurance Corporation under policy number [redacted] with effective dates of coverage November 1, to November 1, 2017.The property insured by this policy is located at [redacted] .The deck collapsed on March 31, and a claim was reported on April 18, Upon our receipt of this complaint we contacted the attorney representing [redacted] and [redacted] lake to discuss the concerns presentedPayment in the amount of $33,was issued to “ [redacted] , Attorney at Law & Rachel Brodsky & Adam Westlake” after detailed discussions on file We agreed to a compromised settlement in order to resolve the issues raised by the customer and apologize for the level of responsiveness provided by the handling representative We trust our response addresses the concerns raised in the inquiry to the Revdex.com of Wisconsin.In the interim, please do not hesitate to contact us if additional assistance is requiredVery truly yours,Greg Blaska Assistant Vice President Property [redacted] )QBE Americas, Inc(QBEAI)E-mail: [redacted] Phone: 608-834-Please be advised that QBE Americas, Inc(QBEAI) is the designated third party administrator (TPA) for the above listed insurance company, and QBEAI is handling the above captioned matter on their behalf

Re: Your File# [redacted] Qbe Insurance Corporation This letter will serve to acknowledge that we received your above referenced complaint in our office on August 13, Qbe is committed to providing its customers with high quality products and serviceYour comments are important to us in this process Your inquiry has been forwarded to an authorized person for a response to your request Sincerely, [redacted] Complaint Coordinator Corporate Legal QBE

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , 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.] Regards, [redacted] they didnt respond at all it was a form letter, they have done nothing

[redacted] Insurance Carrier: Praetorian Insurance Company Insured: [redacted] Policy Number: [redacted] Claim Number: [redacted] Date of Loss: March 26, As an update to our prior correspondence with the Bureau on May 30, 2017, a re-inspection of the insured dwelling was completed by [redacted] Claim SolutionsThe insured’s contractor, [redacted] of Select Roofing, was present for the inspectionThe inspection revealed new wind and hail damage to the insured dwelling unrelated to the lossAn estimated replacement cost for the new damage was $2,After the applicable policy deductible of $1,919.00, the insured would be entitled to $On June 12, we spoke with Mr [redacted] to review the findings of the recent inspectionHe did not agree with the report and declined payment for the damagesMr [redacted] indicated that we would be receiving further communication from his attorney and ended the callWe trust our response addresses the concerns raised in the inquiry to the BureauPlease do not hesitate to contact us if additional assistance is requiredVery truly yours, [redacted] QBE Americas, Inc

We are in receipt of the above-referenced inquiry dated October 24, 2014, which was received in our office on October 30, QBE FIRST Insurance Agency, Incis the program manager for this insurance program, and is responding on behalf of the QBE Insurance Corporation and its designated third party administrator, QBE Americas, IncThe inquiry pertains to the amount of coverage provided for the insured's home and the method used to arrive at the dwelling coverage on the policyThe rules and regulations that affect this issue are those developed by the state to guide insurance companies in the filing of rates, rules, and formsThose statutes are public record and are available through the state department of insuranceThe rate we charge and credits we have available were filed with the state department of insurance and acknowledged for use based on our experience and competition for the section of the insurance market we serveThe policy was written effective November 26, and as of this date is still in forceThe insured was provided with written notification of the coverage amount in the form of a renewal offer mailed to the last known mailing address prior to the effective date of the renewalThe renewal declaration and policy forms were mailed to the insured for review and contained agency contact information in the event the insured had any questionsThe software we use to perform this calculation is developed by Marshall Swift Boeckh which is an industry standard in development of home rebuild costs in the insurance industryBoeckh is one of the standards used in the insurance industry to determine a starting point for arriving at replacement valueIn the course of the inquiry, the policy holder referenced the market value appraisal of the property, which is not accounted for in the replacement cost/cost to rebuild a propertyMarket value is a function of both local and national sales of similar properties in similar areas and may also be influenced by greater, macroeconomic factors such as area school districts, local job markets and supply and demand of similar properties in a given areaRather than being used as a calculation tool for a rebuilding cost of a given property, market value is an estimated amount that a buyer and seller agree to exchange an asset forFailure to carry adequate coverage may result in a co-insurance penalty under which the insured would be responsible for covering a proportionate amount of the loss based on what the home is worth vsthe amount of coverage carried on the policyPlease contact the undersigned at [redacted] if you have additional questionsSincerely, QBE First

Good Afternoon! The claim number is [redacted] The QBE insured is Tom's Backhoe Since the insured filed the claim directly, they are not required to provide a policy number so I unfortunately do not have that information for you I have included copies of correspondence for your review The adjuster did not respond to any communication attempts provided Please let me know if there are any other pieces of information you may need and I will do my best to respond immediately

Re: Your File #: WI [redacted] Complainant: [redacted] Company: QBE Insurance Corporation, 39217This letter will serve to acknowledge that we received your above referenced complaint in our office on October 6, 2017.QBE is committed to providing its customers with high quality products and servicesYour comments are important to us in this process.Your inquiry has been forwarded to an authorized person for a response to your request.Sincerely, [redacted] Senior Complaint AnalystQBE North America - Legal, Regulatory and Compliance

Please accept this as a response to the complaint you sent dated March 10, Praetorian Insurance Company insures Brighten Commons, LLC under policy number [redacted] Per review of our file and the documentation provided, it appears Ms [redacted] was not satisfied with the handling of her claim and is seeking payment of her $deductibleThis claim is still under investigation and the adjuster has been trying to reach Ms [redacted] to confirm the facts of this loss We called Ms [redacted] at 315-430-on 12/20/2013, 1/8/2014, 3/7/2014, 3/11/and 3/12/but had to leave her messages on her voicemailWe also sent Ms [redacted] letters requesting she contact us on 12/20/and 3/12/ Once we get in contact with Ms [redacted] , we can determine liability and address her question regarding her deductibleWe will continue our attempts to contact Ms [redacted] in order to resolve this issue Please advise if there are any further questions or concerns Sincerely, [redacted] Director Claims-Casualty QBE North America [redacted]

We are in receipt of your letter of January 20, which we received on January 23, from the Revdex.com of Wisconsin outlining an inquiry by [redacted] and his concerns regarding policy number, [redacted] QBE FIRST Insurance AgencyIncis the program manager for this insurance program, and is responding on behalf of QBE Insurance Corporation ("QBEIC") and its designated third party administrator, QBE Americas, IncPlease be advised that [redacted] was issued policies for a property at [redacted] At this time policy [redacted] is canceled flat with no premium owed or due and the correct property rating factors are present on MrWilson's active policy under [redacted] This current policy is paid in full and, due to corrections in rating information a $refund is in process at this timePlease contact the undersigned at [redacted] if you have additional questionsSincerely [redacted]

Policy number: [redacted] effective on 12/05/

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , 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.] Regards, [redacted] I will retry talking to the adjuster I do not agree with the amount of phone calls placed to me A lie The adjuster is not competent at her job She neglected to contact me until I threatened to go above her She totally dropped the ball with this whole claim And I believe she is now trying to make it up Keep me posted, as I will you

Regarding: [redacted] Insurance Carrier: QBE Insurance Corporation NAIC Number: [redacted] Insured: [redacted] Policy Number: [redacted] Claim Number: [redacted] Date of Loss: 04/05/On April 12, 2017, our office received the above referenced complaint submitted by the Wisconsin Revdex.com on behalf of [redacted] Please accept this response to the concerns pertaining to claim number 470006NA review of our records reflects that a loss was reported by [redacted] on April 6, for damage to the insured residence from a weather eventThe loss was assigned to an independent adjuster to complete a scope and estimate of damagesWe contacted the [redacted] ’s on April 10, at 419-490-with no answer and were unable to leave a message because the voice mail box had not been set up for that numberWe tried again on April 11, and spoke with Mr [redacted] and confirmed the facts of lossThe independent appraiser inspected the residence on April 13, We are awaiting the scope of damages to complete the claimThe named insured was contacted and the insured residence inspected within business days of the loss being reportedWe trust our response addresses the concerns raised in the inquiry to the BureauPlease do not hesitate to contact us if additional assistance is requiredVery truly yours, Susan MChamberlin QBE Americas, Inc(QBEAI) E-mail: [email protected] Phone: 770-850-

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , 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.] Regards, [redacted] I want my insurance company QBE Insurance Corporation to replace or cover the cost to replace my roof due to multiple companies determining that the roof is not repairable and needs to be replaced due to the damage from 07-26-2014.

A review of our records indicates that on December 16, 2014, Ms [redacted] reported a claim for a theft from the insured residenceA payment was issued to the insured for the Actual Cash Value of the stolen items less the policy deductible and recoverable depreciationUnder the terms and conditions of the policy, the insured has plus one day from the date of loss to submit receipts to recover the initially withheld depreciationIn this case, the receipts were received from Ms [redacted] on December 23, some seven days after the recovery period had runAs this was within a week of the expiration, we will go ahead and honor the submitted receipts and send payment to our insured for the depreciation.Should you require any further information on this claim, please contact us directly at [redacted] Very truly yours, [redacted] Assistant Claims Manager

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. The only response from QBE regarding my complaint was that it was received. There has been no further follow up.Sincerely [redacted]

ReYour FileWI Revdex.com [redacted] Complainanl [redacted] ***Company: QBE Insurance This letter Is in response to the recent inquiry dated September 29, and received in our office on October 2, from the Revdex.com of Wisconsin sent on behalf of Richard [redacted] and his request to cancel renter's Insurance policy number, [redacted] We offer the following.Mr [redacted] policy was initialed online with his agent e-premiumThe online application includes a disclosure regarding the policy occurring annually This disclosure must be acknowledged prior tosubmitting the policy, The Renters policy is designed to automatically renew unless the insured contacts our company to cancel or sends in a cancellation request by mail.Per Mr [redacted] request his credit card information has been deleted from recordTypically this would cause the insured to receive an annual Invoice as opposed to being automatically billedhowever, Mr [redacted] has requested to cancel the policy and has requested a refund of Premium Mr [redacted] policy has been cancelled per his request and he has been provided with the information on how to obtain a refund and is In the process of completing that processOnce all necessarysteps have been taken we will fulfill his requestYour comments are important to us in this process

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Dear Revdex.com representative, QBE insurance corphas failed to resolve my complaintThey still did not provide their solid points how they calculated my dwelling coverage and why it has changed significantly from the past yearsOn the my side as I mentioned in my complaint I have sent to their customer service recent estimate of my property with cost to build amountWhich shows $320,000, this is professional estimateAlso, I keep receiving by mail different quotes from others insurance companies, most of them calculated my dwelling coverage around $311,000-$330,which is makes sense So, how QBE insurance can explain other insurances calculations? It just can't be that all of them underestimate my dwelling coverageMy conclusion is QBE insurance just ignoring my facts and numbers, they want to increase my premium year after year without any reasonable explanationThis is very unfair to the loyal customers, most likely I am going change insurance company or even challenge their decision in court Regards, [redacted]

This letter will serve to acknowledge that we received your above referenced complaint in our office on March 31, QBE is committed to providing its customers with high quality products and servicesYour comments are important to us in this processYour inquiry has been forwarded to an authorized person for a response to your requestSincerely, Janet KannenbergSenior Complaint AnalystLegal, Regulatory and ComplianceQBE North America Direct: Ext: 605556Email: [email protected] us on the web at www.qbena.com