Thank you for sending the third follow-up to Mr. [redacted]’s complaint, which we received on January 5,2016.As we have said before, if Mr. [redacted] does not submit proof of insurance to show his daughter, [redacted], hasmatching Bodily Injury limits to his, we are unable to remove her from the policy.We understand that on January 6, 2016, Mr. [redacted] reduced his coverage with our company; however, weare still without proof of insurance in the form of a declarations page from [redacted]’s insurance company.If Mr. [redacted] does not submit the appropriate proof of insurance for [redacted], it may result in the non-renewalof his automobile policy.This response, in addition to our two previous responses, addresses Mr. [redacted]’s complaint in its entirety,and we have no additional information to provide. This matter has been reviewed thoroughly, and werespectfully maintain our decision.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].Sincerely,Mathew [redacted]Mathew [redacted]
[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.
Regards,
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11133941, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Aneriprise had continued to not explain what points in my coverage changed with the new rate system but can only state it changed and it is a correct change. I would like to know exactly what made my premium change when the new rate system came into effect. Ameriprise is not giving me a competitive rate based off of their competitors. I am asking for the difference they overcharged me based on the competitor rates for the same coverage selected.
Regards,
Kiley [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.
The information provided as the response is already the information I received when I spoke with them. I did not authorize the renewal of my policy for 2013-2014 and 2014-2015, they charged my credit card without authorization. I demand they refund my credit for those two terms because I did not authorize the automatic renewal and I did not need a policy for since Aug. 2013th, I moved in with my sister who already has her own policy. The period they described as covering, I did not live at [redacted]. I vacated that location on Aug. 4th 3013. Therefore, they were perpetually renewing a policy I did not authorize renewal nor I planned on renewing. I did not received any paper work for renewal for 2013th even though I had mail forwarding for 3 months after I moved on Aug. 2013th. There response definitely does not satisfy my complaint. I reached out to Costco Wholesale last week because I purchased this policy as a Costco member. They may facilitate this process. They send me an email with asking for further information.
Regards,
[redacted]
Thank you for sending the complaint filed by Ms. [redacted], which we received on August 27,2015. We understand that she would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address her concerns and believe the following timeline will help...
provideclarification:• On July 10, 2015, we mailed the August 24, 2015, to February 24,2016, renewal offer. Includedin the renewal package was a premium notice in the amount of $1,438.00 with a due date ofAugust 24, 2015 . The premium notice states, "Failure to pay the premium by the due date willresult in the cancellation of your policy."• On August 5, 2015, we mailed a reminder notice in the amount of$I,438.00 with a due date ofAugust 24, 2015. The reminder notice states, "Failure to pay the premium by the due date willresult in the cancellation of your policy."• We did not receive payment by 12:01a.m. on August 24, 2015; therefore, the policy lapsedbecause the renewal premium was not paid on time.• On August 26,2015, Ms. [redacted] called and requested reinstatement of her policy. Wedeclined the request reinstate the policy because there was a lapse in coverage and break in thecontract when the policy cancelled for nonpayment of premium.For your reference, our policy book includes the following language:If tltis policy has been in effect for 60 days or is a continuation or renewal policy, we may cancel only:l. For nonpayment of premium; or2. For suspension or revocation of your driver!s license or that of any other operator who customarilyoperates your insured car. The suspension or revocation must have taken place during the policyperiod or since the last anniversary of the original effective date of the policy ifit was written formore than one year.We recognize and appreciate that Ms. [redacted] had been a long-term client, and we understand this isnot the outcome she would have liked. However, based upon the facts of the situation, we respectfullymaintain our decision not to reinstate the policy.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Ms. [redacted], which we received on September 22,20 15. We understand that she would like additional details surrounding a change in premium. Weappreciate the opportunity to address her concerns.The changes to Ms. [redacted]'s premium are due to a rate...
revision that was filed with the MichiganDepartment of Insurance and became effective for policy tenms beginning on or after August 4, 2015.Statistical data is collected and analyzed periodically to detenmine if the rates being charged are adequateto cover future losses and operating expenses. Our analysis showed that a rate increase was necessary tosupport our projected claims and operating expenses in Michigan. Our analysis involved an evaluation ofmany important insurance risk factors, such as: driving history, garaging location, number of vehiclesinsured, vehicle usage, and the coverage and coverage limits selected. The rate increase was necessary forus to continue to provide the same high-quality, comprehensive coverage on which our clients have cometo rely. The overall change for our automobile program was 22.5%; however, the realignment of our ratesaffects each policyholder differently based on the individual characteristics of the policy.We understand that in today's tough economic environment that an increase of any amount is a difficultmessage to receive, but we must occasionally make rate adjustments to align the premiums we chargewith the risks we insure.
Thank you for sending the follow-up complaint filed by Ms. [redacted] , which wereceived on January 26, 2015 . We appreciate the opportunity to address her additional concerns.We require all household members with a driver's license to be listed on our insured 's automobile policy,unless those household members have their own vehicles and carry automobile insurance that meetsspecified limits. We do not need permission from our insureds to apply this requirement to a policy.It is designed so our insureds have adequate protection in the event of a loss and that we are providingrates that correctly correspond to the level of exposure and risk to the policy.If you have any questions about this information, you may contact me at ###-###-####, Ext. [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.
A March 21, 2016 not-at-fault accident was not my fault, it was other driver's fault. My insurance did not pay anything and my insurance premium should not affected by this incident. Why after a year and decided to increase my insurance for something that is not my fault? $100 more for half year? That is not right. Also, that is not what I heard from support person when I called in earlier this year, she told me it was because insurance increased for every one. Who should I trust? You can say what ever you want to say, but it is not acceptable to increase my insurance $100 every half year without valid reason. Especially when it is not my fault.
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.
Problem: This is the latest concern relating to our Revdex.com Complaint ID #[redacted], which was closed due to inactivity. Our home had mold damage and we started a claim with Ameriprise on July 5 and have yet to resolve the claim. The latest steps in this process was on September 13, when we sent Ameriprise an estimate from our contractor. Ameriprise has not provided an updated estimate after our contactor sent in their estimate of the work required. Ameriprise left us a message on Monday, September 26, stating they had contacted the contractor with questions. This was our first contract after sending them the estimate, almost two weeks after we sent them the estimate. Our contractor responded to their questions the next morning, Tuesday, September 27. After that, we've had no contact from Ameriprise. We called our claim adjuster on Thursday, September 29, in the morning, left a message. Then, Thursday night, I called and left a message with our adjuster's manager. We haven't received a call back from either. For the last two weeks, our house has been unable to keep a cool temperature and is usually around 85 degrees during the day while we are home, ever though it's set to either 79 or 80. We didn't have this problem until the water damage to the house and the need to remove parts of the walls and ceiling, exposing a bedroom to the attic, causing heat to enter the house from the attic. This is the latest concern. Prior concerns can be referenced in Revdex.com Complaint ID #[redacted] Translate Desired Resolution / Outcome Desired Resolution: Finish the Job select Desired Outcome: Settle on a price with the contractor, so the contractor can start working. Pay hotel costs due to inhospitable conditions, which resulted from the claim.
Regards,
Amy & Becca [redacted]
Thank you for sending the complaint filed by Ms. [redacted], which we received on August 18,2016. We understand that she would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address her concerns.On July 1, 2016, Ms. [redacted] requested a quote...
through our online quoting system. On July 5, 2016, Mr.[redacted] called our sales call center and bound the policy effective July 13, 2016. At the time of the onlinequote, zero prior claims were disclosed by Ms. [redacted].On July 6, 2016 we mailed a paper application to Ms. [redacted] which we also require to be completed.We received the signed and completed application on July 19, 2016. On the application Ms. [redacted]indicated that there were two prior claims; Water Damage from November 2015 and Falling Tree fromJuly 28, 2015. Due to this newly disclosed information, the policy was no longer eligible as ourunderwriting guidelines do not allow more than one loss in the last three years. For this reason, the policywas scheduled to cancel effective September 9, 2016.On August 12, 2016, a rescission notice was mailed in error indicating the cancellation should bedisregarded. The policy cancellation notice was mailed on August 15, 2016. Although we sent therescission notice in error, the policy remains ineligible as the prior claims activity does not qualify forcoverage.I contacted Mr. [redacted] by telephone on August 25, 2016 to address the concerns outlined in thecomplaint and offer resolution. Due to the miscommunication when we initially set the policy to cancel,we have given the [redacted]s additional time to find replacement homeowners insurance.He understandsthat the policy is now scheduled to expire effective September 30, 2016.If you have any questions about this information, you may contact me at ###-###-####.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.
As of 7/17/2015 Ameriprise has reinstated my home insurance policy beginning 6/22/2015. But I still had to pay for the month (6/22/2015-7/17/2015) I was NOT covered for. I was explained that I couldn't have lapse of coverage. I understand it, but I was received a call from Ameriprise few weeks ago informing that no matter how much I try, they'd not reinstate my insurance and advised me get coverage from elsewhere. SO, out of desperation I found a company online with 7 times as much deductible and 3 times as much premium which I couldn't afford. I was forced to be in this situation. I am asking Ameriprise to consider giving me 1 month premium break due to the above explanation without any lapse of coverage. It's been a very stressful month for me! I would appreciate their earliest respond.
Regards,
[redacted]
Thank you for sending the complaint filed by Ms.[redacted], which we received on December 10, 2015. We understand that she feels there was a delay processing the claim. We appreciate the opportunity to address her concerns.We understand that the process of resolving the claim surrounding the...
fire at Ms. [redacted]’s home seems to be lengthy. However, our investigation into the loss revealed information that requires additional, extensive research. We have recently conducted examinations under oath of Ms. [redacted] and her brother, Justin [redacted], who is a resident of her home. We are also waiting to receive the reports of the investigations conducted by the local fire marshal and law enforcement agencies.We have kept Ms. [redacted] and/or her attorney regularly apprised of all developments. In the interim, we have paid Ms. [redacted] for damaged personal possessions as well as additional living expenses.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on June 30, 2015. Weunderstand that he disagrees that he purchased a policy and is disputing the requested premium payment.We appreciate the opportunity to address his concerns and believe the following timeline will...
helpprovide clarification.• On February 25,2015, Ms. [redacted] obtained an online quote for home insurance for the propertylocated at [redacted]. Later that day, we were contacted by[redacted] from [redacted] to update a mortgagee clause and send an escrow withdrawalnotice. We explained that the policy had not been purchased yet, which prompted the mortgagerepresentative to request that we reach out to Ms. [redacted] to finalize the policy. We spoke to Ms. [redacted]and finalized the policy effective March 6, 2015. We then faxed the home insurance documentsand the escrow withdrawal notice for $1,162.34 to the mortgage company, with a payment duedate of March 22, 2015. We also sent confirmation to Mr. and Ms. [redacted].• On March 27, 2015, we mailed a second escrow withdrawal notice to both the mortgage companyand the insureds extending the due date to April 16, 2015 due to the outstanding balance of$1,162.34.• On April 21, 2015, we mailed a notice of pending cancellation to the insureds due to theoutstanding balance of $1,162.34.• On May 11, 2015, we mailed a cancellation notice due to non-payment of premium.• On May 19, 20 15, we mailed an outstanding balance notice for $209.60 for the coverage providedfrom March 6, 2015 through May 11 , 2015. This same notice was mailed June 18, 2015, as thereis still an outstanding balance due of $209.60.If Mr. [redacted] can provide documentation showing he was insured for this property with another insurancecompany, we would review that information and consider backdating the cancellation of the policyeffective the date the other policy went in to effect.If you have any questions about this information, you may contact me at I ###-###-####, Ext. ####Sincerely,[redacted]
Thank you for sending the
complaint filed by Ms Lea [redacted], which we received on September 14, 2016.
We understand that she would like additional details surrounding a change in
premium. We appreciate the opportunity to address her concerns. The renewal premium increase is
due to a change in...
the Environmental Rating Factor. At each renewal, the
garaging address of each vehicle is used to determine an environmental score.
This score, which is based on the modeled results of a third party vendor,
considers things like traffic patterns in the area, crime rates as well as many
geographic conditions including weather patterns, slopes and low lying areas. Our
rules and rates are filed and approved with the state of Michigan and apply to
both new and renewal business. Any policies sold are subject to the same rate
structure as the renewal business, so the increase she experienced was the
result of timing and not a bait and switch situation. If you have any questions about this information, you
may contact our Client Service Department at
###-###-####.
Thank you for sending the third follow-up to Mr. [redacted]’s complaint, which we received on January 5,2016.As we have said before, if Mr. [redacted] does not submit proof of insurance to show his daughter, [redacted], hasmatching Bodily Injury limits to his, we are unable to remove her from the policy.We understand that on January 6, 2016, Mr. [redacted] reduced his coverage with our company; however, weare still without proof of insurance in the form of a declarations page from [redacted]’s insurance company.If Mr. [redacted] does not submit the appropriate proof of insurance for [redacted], it may result in the non-renewalof his automobile policy.This response, in addition to our two previous responses, addresses Mr. [redacted]’s complaint in its entirety,and we have no additional information to provide. This matter has been reviewed thoroughly, and werespectfully maintain our decision.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].Sincerely,Mathew [redacted]Mathew [redacted]
[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.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11133941, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Aneriprise had continued to not explain what points in my coverage changed with the new rate system but can only state it changed and it is a correct change. I would like to know exactly what made my premium change when the new rate system came into effect. Ameriprise is not giving me a competitive rate based off of their competitors. I am asking for the difference they overcharged me based on the competitor rates for the same coverage selected.
Regards,
Kiley [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.
The information provided as the response is already the information I received when I spoke with them. I did not authorize the renewal of my policy for 2013-2014 and 2014-2015, they charged my credit card without authorization. I demand they refund my credit for those two terms because I did not authorize the automatic renewal and I did not need a policy for since Aug. 2013th, I moved in with my sister who already has her own policy. The period they described as covering, I did not live at [redacted]. I vacated that location on Aug. 4th 3013. Therefore, they were perpetually renewing a policy I did not authorize renewal nor I planned on renewing. I did not received any paper work for renewal for 2013th even though I had mail forwarding for 3 months after I moved on Aug. 2013th. There response definitely does not satisfy my complaint. I reached out to Costco Wholesale last week because I purchased this policy as a Costco member. They may facilitate this process. They send me an email with asking for further information.
Regards,
[redacted]
Thank you for sending the complaint filed by Ms. [redacted], which we received on August 27,2015. We understand that she would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address her concerns and believe the following timeline will help...
provideclarification:• On July 10, 2015, we mailed the August 24, 2015, to February 24,2016, renewal offer. Includedin the renewal package was a premium notice in the amount of $1,438.00 with a due date ofAugust 24, 2015 . The premium notice states, "Failure to pay the premium by the due date willresult in the cancellation of your policy."• On August 5, 2015, we mailed a reminder notice in the amount of$I,438.00 with a due date ofAugust 24, 2015. The reminder notice states, "Failure to pay the premium by the due date willresult in the cancellation of your policy."• We did not receive payment by 12:01a.m. on August 24, 2015; therefore, the policy lapsedbecause the renewal premium was not paid on time.• On August 26,2015, Ms. [redacted] called and requested reinstatement of her policy. Wedeclined the request reinstate the policy because there was a lapse in coverage and break in thecontract when the policy cancelled for nonpayment of premium.For your reference, our policy book includes the following language:If tltis policy has been in effect for 60 days or is a continuation or renewal policy, we may cancel only:l. For nonpayment of premium; or2. For suspension or revocation of your driver!s license or that of any other operator who customarilyoperates your insured car. The suspension or revocation must have taken place during the policyperiod or since the last anniversary of the original effective date of the policy ifit was written formore than one year.We recognize and appreciate that Ms. [redacted] had been a long-term client, and we understand this isnot the outcome she would have liked. However, based upon the facts of the situation, we respectfullymaintain our decision not to reinstate the policy.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Ms. [redacted], which we received on September 22,20 15. We understand that she would like additional details surrounding a change in premium. Weappreciate the opportunity to address her concerns.The changes to Ms. [redacted]'s premium are due to a rate...
revision that was filed with the MichiganDepartment of Insurance and became effective for policy tenms beginning on or after August 4, 2015.Statistical data is collected and analyzed periodically to detenmine if the rates being charged are adequateto cover future losses and operating expenses. Our analysis showed that a rate increase was necessary tosupport our projected claims and operating expenses in Michigan. Our analysis involved an evaluation ofmany important insurance risk factors, such as: driving history, garaging location, number of vehiclesinsured, vehicle usage, and the coverage and coverage limits selected. The rate increase was necessary forus to continue to provide the same high-quality, comprehensive coverage on which our clients have cometo rely. The overall change for our automobile program was 22.5%; however, the realignment of our ratesaffects each policyholder differently based on the individual characteristics of the policy.We understand that in today's tough economic environment that an increase of any amount is a difficultmessage to receive, but we must occasionally make rate adjustments to align the premiums we chargewith the risks we insure.
Thank you for sending the follow-up complaint filed by Ms. [redacted] , which wereceived on January 26, 2015 . We appreciate the opportunity to address her additional concerns.We require all household members with a driver's license to be listed on our insured 's automobile policy,unless those household members have their own vehicles and carry automobile insurance that meetsspecified limits. We do not need permission from our insureds to apply this requirement to a policy.It is designed so our insureds have adequate protection in the event of a loss and that we are providingrates that correctly correspond to the level of exposure and risk to the policy.If you have any questions about this information, you may contact me at ###-###-####, Ext. [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.
A March 21, 2016 not-at-fault accident was not my fault, it was other driver's fault. My insurance did not pay anything and my insurance premium should not affected by this incident. Why after a year and decided to increase my insurance for something that is not my fault? $100 more for half year? That is not right. Also, that is not what I heard from support person when I called in earlier this year, she told me it was because insurance increased for every one. Who should I trust? You can say what ever you want to say, but it is not acceptable to increase my insurance $100 every half year without valid reason. Especially when it is not my fault.
Regards,
[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.
Problem: This is the latest concern relating to our Revdex.com Complaint ID #[redacted], which was closed due to inactivity. Our home had mold damage and we started a claim with Ameriprise on July 5 and have yet to resolve the claim. The latest steps in this process was on September 13, when we sent Ameriprise an estimate from our contractor. Ameriprise has not provided an updated estimate after our contactor sent in their estimate of the work required. Ameriprise left us a message on Monday, September 26, stating they had contacted the contractor with questions. This was our first contract after sending them the estimate, almost two weeks after we sent them the estimate. Our contractor responded to their questions the next morning, Tuesday, September 27. After that, we've had no contact from Ameriprise. We called our claim adjuster on Thursday, September 29, in the morning, left a message. Then, Thursday night, I called and left a message with our adjuster's manager. We haven't received a call back from either. For the last two weeks, our house has been unable to keep a cool temperature and is usually around 85 degrees during the day while we are home, ever though it's set to either 79 or 80. We didn't have this problem until the water damage to the house and the need to remove parts of the walls and ceiling, exposing a bedroom to the attic, causing heat to enter the house from the attic. This is the latest concern. Prior concerns can be referenced in Revdex.com Complaint ID #[redacted] Translate Desired Resolution / Outcome Desired Resolution: Finish the Job select Desired Outcome: Settle on a price with the contractor, so the contractor can start working. Pay hotel costs due to inhospitable conditions, which resulted from the claim.
Regards,
Amy & Becca [redacted]
Thank you for sending the complaint filed by Ms. [redacted], which we received on August 18,2016. We understand that she would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address her concerns.On July 1, 2016, Ms. [redacted] requested a quote...
through our online quoting system. On July 5, 2016, Mr.[redacted] called our sales call center and bound the policy effective July 13, 2016. At the time of the onlinequote, zero prior claims were disclosed by Ms. [redacted].On July 6, 2016 we mailed a paper application to Ms. [redacted] which we also require to be completed.We received the signed and completed application on July 19, 2016. On the application Ms. [redacted]indicated that there were two prior claims; Water Damage from November 2015 and Falling Tree fromJuly 28, 2015. Due to this newly disclosed information, the policy was no longer eligible as ourunderwriting guidelines do not allow more than one loss in the last three years. For this reason, the policywas scheduled to cancel effective September 9, 2016.On August 12, 2016, a rescission notice was mailed in error indicating the cancellation should bedisregarded. The policy cancellation notice was mailed on August 15, 2016. Although we sent therescission notice in error, the policy remains ineligible as the prior claims activity does not qualify forcoverage.I contacted Mr. [redacted] by telephone on August 25, 2016 to address the concerns outlined in thecomplaint and offer resolution. Due to the miscommunication when we initially set the policy to cancel,we have given the [redacted]s additional time to find replacement homeowners insurance.He understandsthat the policy is now scheduled to expire effective September 30, 2016.If you have any questions about this information, you may contact me at ###-###-####.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.
As of 7/17/2015 Ameriprise has reinstated my home insurance policy beginning 6/22/2015. But I still had to pay for the month (6/22/2015-7/17/2015) I was NOT covered for. I was explained that I couldn't have lapse of coverage. I understand it, but I was received a call from Ameriprise few weeks ago informing that no matter how much I try, they'd not reinstate my insurance and advised me get coverage from elsewhere. SO, out of desperation I found a company online with 7 times as much deductible and 3 times as much premium which I couldn't afford. I was forced to be in this situation. I am asking Ameriprise to consider giving me 1 month premium break due to the above explanation without any lapse of coverage. It's been a very stressful month for me! I would appreciate their earliest respond.
Regards,
[redacted]
Thank you for sending the complaint filed by Ms.[redacted], which we received on December 10, 2015. We understand that she feels there was a delay processing the claim. We appreciate the opportunity to address her concerns.We understand that the process of resolving the claim surrounding the...
fire at Ms. [redacted]’s home seems to be lengthy. However, our investigation into the loss revealed information that requires additional, extensive research. We have recently conducted examinations under oath of Ms. [redacted] and her brother, Justin [redacted], who is a resident of her home. We are also waiting to receive the reports of the investigations conducted by the local fire marshal and law enforcement agencies.We have kept Ms. [redacted] and/or her attorney regularly apprised of all developments. In the interim, we have paid Ms. [redacted] for damaged personal possessions as well as additional living expenses.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on June 30, 2015. Weunderstand that he disagrees that he purchased a policy and is disputing the requested premium payment.We appreciate the opportunity to address his concerns and believe the following timeline will...
helpprovide clarification.• On February 25,2015, Ms. [redacted] obtained an online quote for home insurance for the propertylocated at [redacted]. Later that day, we were contacted by[redacted] from [redacted] to update a mortgagee clause and send an escrow withdrawalnotice. We explained that the policy had not been purchased yet, which prompted the mortgagerepresentative to request that we reach out to Ms. [redacted] to finalize the policy. We spoke to Ms. [redacted]and finalized the policy effective March 6, 2015. We then faxed the home insurance documentsand the escrow withdrawal notice for $1,162.34 to the mortgage company, with a payment duedate of March 22, 2015. We also sent confirmation to Mr. and Ms. [redacted].• On March 27, 2015, we mailed a second escrow withdrawal notice to both the mortgage companyand the insureds extending the due date to April 16, 2015 due to the outstanding balance of$1,162.34.• On April 21, 2015, we mailed a notice of pending cancellation to the insureds due to theoutstanding balance of $1,162.34.• On May 11, 2015, we mailed a cancellation notice due to non-payment of premium.• On May 19, 20 15, we mailed an outstanding balance notice for $209.60 for the coverage providedfrom March 6, 2015 through May 11 , 2015. This same notice was mailed June 18, 2015, as thereis still an outstanding balance due of $209.60.If Mr. [redacted] can provide documentation showing he was insured for this property with another insurancecompany, we would review that information and consider backdating the cancellation of the policyeffective the date the other policy went in to effect.If you have any questions about this information, you may contact me at I ###-###-####, Ext. ####Sincerely,[redacted]
Thank you for sending the
complaint filed by Ms Lea [redacted], which we received on September 14, 2016.
We understand that she would like additional details surrounding a change in
premium. We appreciate the opportunity to address her concerns. The renewal premium increase is
due to a change in...
the Environmental Rating Factor. At each renewal, the
garaging address of each vehicle is used to determine an environmental score.
This score, which is based on the modeled results of a third party vendor,
considers things like traffic patterns in the area, crime rates as well as many
geographic conditions including weather patterns, slopes and low lying areas. Our
rules and rates are filed and approved with the state of Michigan and apply to
both new and renewal business. Any policies sold are subject to the same rate
structure as the renewal business, so the increase she experienced was the
result of timing and not a bait and switch situation. If you have any questions about this information, you
may contact our Client Service Department at
###-###-####.