QBE Insurance

Re. Your File. WI Revdex.com [redacted]Complainanl [redacted]Company: QBE Insurance This letter Is in response to the recent inquiry dated September 29, 2015 and received in our office on October 2, 20105 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-premium. The 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 record. Typically 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 process. Once all necessarysteps have been taken we will fulfill his request.
Your comments are important to us in this process.

This letter will serve to acknowledge that we received your above referenced complaint in our office on March 31, 2017. QBE is committed to providing its customers with high quality products and services. Your comments are important to us in this process. Your inquiry has been...

forwarded to an authorized person for a response to your request. Sincerely, Janet KannenbergSenior Complaint AnalystLegal, Regulatory and ComplianceQBE North America Direct: 608.825.5556 Ext: 605556Email: [email protected] us on the web at www.qbena.com

Policy number: [redacted] effective on 12/05/2016.

face="Arial, sans-serif">This will serve to acknowledge that we received your above referenced complaint ln our office on January 23rd,2015
 
QBE is committed to providing its customers with high quality products and services. Your comments are important to us in this process.
Your inquiry has been forwarded to an authorized person for a response to your request
 
Direct [redacted]
Fax: [redacted]
Thank you – and have a nice weekend.
 
Sincerely,
[redacted]
 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] [redacted]
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[redacted] [redacted]

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, 2014.
 
Qbe is...

committed to providing its customers with high quality products and service. Your 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]
 
  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.

This will serve as acknowledgment of the Complaint received by [redacted] concerning lack of response to e-mails and messages concerning the resolution of a bodily injury claim filed against an insured's policy. The complaint was filed on January 22,2014 by [redacted] under 10 Number...

[redacted] and [redacted], Senior Claim Specialist agreed upon a settlement amount on January 22, 2014. A release to be executed by [redacted] and [redacted] was e-mailed to their desired account on January 22, 2014. [redacted] and [redacted] executed the release the same date and sent it to [redacted] via e-mail in consideration of release of the settlement funds. A call was placed to [redacted] on February 3, 2014 for a request to review the documents sent to conclude the matter. [redacted] reviewed the settlement documents on February 3, 2014 and spoke with [redacted] advising that the scanned copy of the release was not compatible for importing into the system for viewing. However, [redacted] indicated that the documents were capable of being read within the e-mail transmission and therefore the settlement check would be issued on February 3, 2014. A request was made for the release to be sent via fax at the [redacted]' convenience to attach to the claim file. An apology was made during this phone call concerning the delay in reviewing the documents. At this time the mailing time frame from Wisconsin to Pennsylvania was explained indicating that the check would be received within 4 -5 business days. On February 7,2014 [redacted] received a call from [redacted] advising that he had not yet received the check. [redacted] viewed the computer system indicating that the check was issued on February 3rd and mailed from Wisconsin on February 4th. During that conversation the check number verifying the issuance was offered but not accepted. [redacted] verified the mailing address and it was advised that the postal zip code was incorrect. [redacted] and [redacted] discussed the delay in receipt of the monies should a stop payment be issued. Other avenues such as tracking the check and if the post office that the postal zip code displayed on the check would reroute the check if contacted. [redacted] made attempts by calling both the correct post office and the post office in which the check would be delivered at to attempt routing of the check. In doing so it was found that the post offices in question were approximately six miles apart. Unfortunately all circuits were busy at all four telephone numbers available for the two post offices. When [redacted] advised [redacted] of the attempts and that she would continue efforts [redacted] advised that Mrs. [redacted] had spoke with the post master at the Millboro, PA post office which is the location of the postal zip code used on the mailing address and was able to provide her name and phone number in case the check arrived on February 8, 2014. [redacted] at that point inquired if it was possible to have the money directly deposited into his bank account. aBE did not have the capability of complying with this request. [redacted] advised that if a stop pay were to be issued on February 7,2014 and the check arrived on February 8, 2014 that the check would be void and that the soonest that a new check could be delivered via overnight mail would most likely be on Tuesday due to the upcoming weekend. [redacted] suggested that the [redacted]' await notice from the Millsboro post office on Saturday, February 8, 2014 to determine if the check had arrived at their location as a new check could not be issued and delivered prior to the following Tuesday. An agreement was arrived that contact would be made on February 10,2014 as to the status of the check. On February 10,2014 [redacted] left a voicemail message that the check arrived on February 8th and that they had deposited it into their bank account on the same date. [redacted] made a follow up call to thank [redacted] for advising of the status and a male answered his cell phone advising that [redacted] was working and not available to speak with. The settlement check was received and cashed by the recipient's ([redacted]) within 18 days from the receipt of the executed documents which is within the time frame pursuant to Pennsylvania Statute which is 20 days. <Blank>
 
Sincerely,
 
[redacted]
Senior Claims Specialist - Liability
aBE Branch Claims - East
aBE North America

Onbehalf of QBE Insurance Corporation, please accept this in response to your correspondence dated October 6, 2017.  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, 2016 to November 1, 2017.The property insured by this policy is located at [redacted].The deck collapsed on March 31, 2017 and a claim was reported on April 18, 2017.   Upon our receipt of this complaint we contacted the attorney representing [redacted] and [redacted] lake to discuss the concerns presented. Payment in the amount of $33,000 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 required. Very truly yours,Greg Blaska Assistant Vice President Property [redacted])QBE Americas, Inc. (QBEAI)E-mail: [redacted] Phone:  608-834-8185 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.

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.

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] B-S it's part of my property it was damage it should be fixed that's what I pay you homeowners insurance for, but I bet if some zombies attacked you would cover that Huhhhhh!!!!!!!

[redacted] Insurance Carrier: Praetorian Insurance Company Insured: [redacted] Policy Number: [redacted] Claim Number: [redacted] Date of Loss: March 26, 2017 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 Solutions. The insured’s contractor, [redacted] of Select Roofing, was present for the inspection. The inspection revealed new wind and hail damage to the insured dwelling unrelated to the 2015 loss. An estimated replacement cost for the new damage was $2,643.99. After the applicable policy deductible of $1,919.00, the insured would be entitled to $724.99. On June 12, 2017 we spoke with Mr. [redacted] to review the findings of the recent inspection. He did not agree with the report and declined payment for the damages. Mr. [redacted] indicated that we would be receiving further communication from his attorney and ended the call. We trust our response addresses the concerns raised in the inquiry to the Bureau. Please do not hesitate to contact us if additional assistance is required. Very truly yours, [redacted] QBE Americas, Inc.

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

[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 [redacted], and find that this resolution is satisfactory to me.  Yes, I truly appreciate all you help!!! You were so helpful and prompt. I am disappointed that it had to come to this with QBE and they could not have just handled my claim properly from the beginning and provided communication throughout the process but I am so glad that there are agencies like the Revdex.com to stick up for businesses that are trying to rip customer off. Thank you so much for following up, we are satisfied with the conclusion. 
Regards,
[redacted]

A review of our records indicates that on December 16, 2014, Ms. [redacted] reported a claim for a theft from the insured residence. A payment was issued to the insured for the Actual Cash Value of the stolen items less the policy deductible and recoverable depreciation. Under the terms...

and conditions of the policy, the insured has 365 plus one day from the date of loss to submit receipts to recover the initially withheld depreciation. In this case, the receipts were received from Ms. [redacted] on December 23, 2015 some seven days after the recovery period had run. As 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

We are in receipt of the above-referenced inquiry dated October 24, 2014, which was received in our office on October 30, 2014. QBE FIRST Insurance Agency, Inc. is 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, Inc.
The 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 policy. The rules and regulations that affect this issue are those developed by the state to guide insurance companies in the filing of rates, rules, and forms. Those statutes are public record and are available through the state department of insurance. The 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 serve.
The policy was written effective November 26, 2008 and as of this date is still in force. The 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 renewal. The renewal declaration and policy forms were mailed to the insured for review and contained agency contact information in the event the insured had any questions.
The 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 industry. Boeckh is one of the standards used in the insurance industry to determine a starting point for arriving at replacement value. In 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 property. Market 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 area. Rather 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 for. Failure 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 vs. the amount of coverage carried on the policy.
Please contact the undersigned at [redacted] if you have additional questions.
Sincerely,
QBE First

This letter is in response to the recent inquiry dated June 17,2015 sent from the Revdex.com of Wisconsin received in our office on June 22, 2015 on behalf of [redacted] and her concerns regarding the cancellation of her voluntary Renters Insurance Policy, number [redacted]....

QBE
FIRST Insurance Agency ("QBE FIRST") is the Program Manager for this insurance company and is responding on behalf of Praetorian Insurance Company ("Praetorian") and its designated third party QBE Americas.
According to records, Ms. G[redacted] was advised on May 12, 2015 during a telephone conversation with a customer service representative, that per company policy we are unable to back date the cancellation of the policy in question back to 2014.The customer service representative further advised, that because Ms. G[redacted] policy had renewed effective March 26, 2015 for the following tenTI, the cancellation could only be retroactive back to that date. However, to process the cancellation, documentation was needed to verify the date in which Ms. G[redacted] moved out of the covered residence. This process is part of Praetoriatl'S cancellation policy which states for Renters whom have Reason for Cancellation: Moved to New Property: Insured Billed: Start of current term only. Documents Required: " Move in/move out statement
.. New policy Dec page
.. Lease Agreement or Release From Lease
.. Post Office Change of Address form
.. Utility Bill
*Must include insured's name and property address.
Future renewals are not considered current term Ms. G[redacted] was provided with the fax number to fax in the requested documentation. 
Records reflect that Ms. G[redacted] contacted customer service again on May 19, 2015 regarding the same issue and was again advised of the company cancellation policy. On May 20, 2015, the requested documentation was received and the policy was cancelled effective March 26,2015. At this time the policy is cancelled. 
We trust that this response addresses the concerns expressed in the Bureau's inquiry. If any additional questions should arise, please feel free to contact me directly at ([redacted] extension 7325.
Sincerely,
[redacted]
Senior Compliance Analyst

Please accept this as a response to the complaint you sent dated March
10, 2014. 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 $500.00 deductible. This 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 315-430-9262 on 12/20/2013, 1/8/2014, 3/7/2014,
3/11/2014 and 3/12/2014 but had to leave her messages on her voicemail. We also
sent Ms. [redacted] letters requesting she contact us on 12/20/2013 and 3/12/2014.
Once we get in contact with Ms. [redacted], we can determine liability and address
her question regarding her deductible. We 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]

I am in receipt of a Revdex.com complaint regarding your claim handling with one of our...

companies. Can you please identify your claim for me with the Policy Number (and Claim Number if you have it)?
 
Thank you.
 
[redacted]
Complaint Coordinator
Corporate Legal
QBE North America
Direct: [redacted] Ext: [redacted]
Fax: 608.825.5899
Email: [redacted]
Complaints Email: [redacted]

We are in receipt of your letter of January 20, 2015 which we received on January 23, 2015 from the Revdex.com of Wisconsin outlining an inquiry by [redacted] and his concerns regarding policy number, [redacted]
QBE FIRST Insurance Agency. Inc. is 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, Inc.
Please be advised that [redacted] was issued 2 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 Mr. Wilson's active policy under [redacted]. This current policy is paid in full and, due to corrections in rating information a $280 refund is in process at this time.
Please contact the undersigned at [redacted] if you have additional questions.
Sincerely.
[redacted]

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 corp. has failed to resolve my complaint. They still did not provide their solid points how they calculated my dwelling coverage and why it has changed significantly from the past years. On 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 amount. Which shows $320,000, this is professional estimate. Also, I keep receiving by mail different quotes from others insurance companies, most of them calculated my dwelling coverage around $311,000-$330,00 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 coverage. My conclusion is QBE insurance just ignoring my facts and numbers, they want to increase my premium year after year without any reasonable explanation. This is very unfair to the loyal customers, most likely I am going change insurance company or even challenge their decision in court. 
Regards,
[redacted]