Thank you for sending the complaint filed by Ms [redacted] , which we received on April 22, 2015.After a discussion with Ms [redacted] , we have agreed to continue her auto policy at the rate she wasoriginally quoted on December 8, 2014.Ms [redacted] has been advised that her premium will remain the same, and she was pleased with theoutcome of this matterWe regret there was any confusion regarding our requirements.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the complaint filed by Ms, [redacted] ***, which we received on December 4, 2014,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 October 16,2014, we mailed the November 29, 2014, to May 29,2015, renewal offer to Ms,***Included in the renewal package was a premium notice in the amount of $486,with a duedate of November 29, 2014, The premium notice states, "Failure to pay the premium by the due datewill result in the cancellation of your policy,"• On November 12,2014, we mailed Ms, [redacted] a reminder notice in the amount of $486,with a duedate of November 29,2014, The reminder notice states, "Failure to pay the premium by the due datewill result in the cancellation of your policy,"• We did not receive payment from Ms, [redacted] by November 29,2014; therefore, the policy lapsedbecause the renewal premium was not paid on time,• On December 3, 2014, we received an internet request from Ms, [redacted] asking us to apply a paymentof $172,to her Visa card, We attempted to call her, but the phone number on file was no longervalid, We emailed Ms, [redacted] asking her to contact us regarding her policy,• Ms, [redacted] called and requested reinstatement of her policy, We declined the request because therewas a lapse in coverage and break in the contract when the policy cancelled for nonpayment ofpremium,We understand that this is not the outcome Ms, [redacted] would like, but after reviewing the situation asecond time, we respectfully maintain our decision not to reinstate the policy,Lastly, Ms [redacted] expressed concern about no longer being able to view her Ameriprise stocks online as aresult of the cancellationShe has full access to this information since it is housed and available on theAmeriprise Financial website, which is separate from the Ameriprise Auto & Home Insurance website
[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 We still have a few outstanding issues which I am told are in process and hope for timely resolution - first being the payment for water extraction done by [redacted] and the second being aonal damages not covered by initial settlement check A second adjuster inspected the damage yesterday and will be submitting his findings and hopefully the necessary adjustment will be made accordingly Regards, [redacted]
Thank you for sending the complaint filed by Mr [redacted] , which we received on February 6,We understand that he would like additional information regarding his policy premiumWeappreciate the opportunity to address his concems.Mr [redacted] received a quote for auto and home insurance policies on February 4, We providedpremium amounts for auto and home policies separatelyMr [redacted] requested a total monthly premiumfor both auto and home so he could compare our price to what he was currently payingWe said it wouldbe $93.05.We went on to explain that we bill differently than his current insurance companyThey bill monthlypayments for home insurance and monthly payments for auto insuranceOur company bills monthlypayments for home policies and monthly payments for auto policies.In other words, our premiwn did not change from what was quoted; instead, how we divide up thepayments is different than his previous company.After receiving complaint, I called Mr [redacted] and reviewed the billingHe said he did recall that ouragent discussed our billing process, and he acknowledged that the actual policy premium amount did notchange from what was originally quoted and sold to him.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the follcomplaint filed by Ms [redacted] , which wereceived on January 26, 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 limitsWe 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***
Thank you for sending the complaint filed by Mr [redacted] , which we received on April 20, 2015.We understand that he has some questions regarding the reporting of his home claimWe appreciatethe opportunity to address his concerns.When this loss was reported on December 13, 2011, there were two named insureds on the policy: [redacted] and [redacted] We are unaware of why any records would overlap with those of ourinsureds' relative.For proper review and remedy, we suggest that Mr [redacted] contact [redacted] at ###-###-#### asthey track claims reportingUpon Mr [redacted] 's request, [redacted] will forward us their report record ofthis claim to confirm information accuracy.If you have any questions about this information, you may contact me at I ###-###-####, Ext***
Thank you for sending complaint [redacted] , which we received on May 18, We understand that theclaimant disagrees with our decision regarding the claimWe appreciate the opportunity to address hisconcerns.On May 21, 2015, we spoke with this claimant about this home liability claimWe explained that we arestill investigating this claim and no decision has been madeA contractor will be sent to investigate thecause of the water damage to his unitWe will determine whether or not our insured is negligent for thewater loss as soon as we have completed our investigation
Thank you for sending the complaint filed by Mr [redacted] ***, which we received on April 14, Weunderstand that he would like a more detailed explanation of why the policy was canceledWe appreciatethe opportunity to address his concems, and we believe the following timeline will help provideclarification:• On February 26, 2015, Mr [redacted] contacted us to add additional coverage to his home policyHeasked how the additional premium would be paid, and we explained that the payment would becharged to the credit card on March 18,2015.That same day, we emailed the revised documents along with a credit card charge noticeThe creditcard charge notice provided the date of the charge, amonnt of the charge, and the last four digits ofthe credit card.• On March 18,2015, we attempted to charge $to Mr***'s Visa ending in ***Thepayment was returned to us as a decline.• On March 19, 2015, we mailed Mr [redacted] a notice of pending cancellation to the address on file,explaining that we would need payment by April 3, 2015, or the policy would cancel for non-paymentof premium.• We did not receive payment from Mr [redacted] by April 3, 2015; therefore, the policy cancelled for nonpaymentof premiumWe mailed notification of the cancellation to Mr***, along with a refund foroverpayment of premium after the cancellation.• On April 9, 2015, Mr [redacted] contacted us to request policy reinstatementWe denied his request dueto a lapse in coverage and break in the contract when the policy cancelled for nonpayment ofpremium.We acknowledge and appreciate that Mr [redacted] had been a long-term client, and we are truly sorry we areunable to offer him coverageRegrettably, we are unable to change our decision after reviewing tlussituation a second time
Thank you for sending the complaint filed by Mr [redacted] ***, which we received on January 14, 2015.We understand that he disagrees with our decision regarding the claimWe appreciate the opportunity toaddress his concerns.On December 31, 2014, Mr***' Chevrolet S-I was deemed a total loss based on the estimateddamages of $4,Through an extensive market research conducted by a third-party vendor,AudaExplore, we determined the actual cash value of Mr***' vehicle was $2,724.00.On January 5, 15, we presented two total loss settlement options to Mr***: $3,for a nonowner-retained settlement, and $2,for an owner-retained settlementMr [redacted] stated that hewould accept the non-owner retained settlement of $3089.40, but he also wanted to retain the vehicleWeexplained that if the retained his vehicle, we would take a deduction for the value of the salvage; we wouldotherwise recover that amount from the auction of the salvaged vehicle.Mr [redacted] then told us that we forgot to include a couple of options on his vehicle, and he felt thecondition rating of the interior was lowTherefore, we requested interior photos of the vehicle and ranthe actual cash value again - upgrading the interior condition and adding the missing optionsTherevised actual cash value was $2,We also asked AudaExplore to obtain dealer quotes as anadditional evaluationThat actual cash value was $1,950.00.On January 9, 2015, we revised our offer based on the highest actual cash value of $2,and wepresented both the non-owner -retained settlement offer of $3,and the owner-retained settlementoffer of$2,to Mr***.In his complaint, Mr [redacted] indicated that we reduced his settlement amount by $- actually, weincreased our settlement offer by $for non-owner retained settlement and $for owner retainedsettlement.We are confident that our settlement offers are fair and reasonable and accurately represent the value ofMr***' vehicle
Thank you for sending complaint [redacted] , which we received on February 5, 2015. We understand thatour insured would like a more detailed explanation of why the policy was canceled. We appreciate theopportunity to address his concerns.After a discussion with the insured, we have agreed to continue... coverage of his property until the policyrenewal date of December 23,2015.Our insured had been advised that his coverage would be cancelled because his home did not have therequired monitored alarm systems. However, no cancellation was processed, and after a review of theproperty was completed, we agreed to continue coverage of the home until the renewal date - aspreviously mentioned.We regret there was any confusion regarding our requirements. Our insured was under the impressionthat the monitored alarm system was only needed for a discount, but not to continue coverage. Afterdiscussing this in detail, he found it agreeable to continue coverage until the renewal date, which wouldallow him ample time to make other insurance arrangements or potentially activate the required alarmsystems to satisfy our requirements.We have sent an email to our insured to confirm our discussion and subsequent agreement.If you have any questions about this information, you may contact me at ###-###-####, Ext. ***.
Thank you for sending the complaint filed by Mr [redacted] ***, which we received on November 11,2014.We understand that he disagrees with our decision regarding the claimWe appreciate the opportunity toaddress his concerns.We received the notice ofloss from Mr [redacted] on August 1,2014, with a reported loss date of May 22,We assigned [redacted] (***) to contact Mr [redacted] and to complete an inspection, which took placeon August 6, [redacted] found damage to the front slope of roofing, the left elevation siding and downspout, the rightelevation siding, and drywall in the master bedroomThey submitted a repair estimate in the amount of$7,998.53, and we issued payment to Mr [redacted] on September 3, 2014.We received an estimate from Mr [redacted] 's contractor, [redacted] , for a full roof replacementtotaling $,Once we complete our review of the estimate, we will contact [redacted] toattempt to reach an agreed price and scope of repairs.If you have any questions about this information, you may contact me at I ###-###-####, Ext***
Thank you for sending the complaint filed by Ms [redacted] **, which we received on January , Weunderstand that she disagrees with our decision regarding the claimWe appreciate the opportunity toaddress her concerns.We received the notice of loss from Mr [redacted] on December 10, 2014, with a reported date ofloss December 9,Mr [redacted] advised that a rainstorm went through the area and water entered thebasement causing some damage to flooring and drywallWe sent and adjuster with [redacted] (***) to inspect the damage and determine the cause of loss [redacted] found that around someplumbing in the basement there is an exposed area, consisting only of dirt, which allowed the water toenter.We received the inspection report back on December 22,2014, and we issued a denial letter to Ms [redacted] andMr [redacted] citing the policy language that excludes damage caused by water below the surface of theground that enters through a foundation.If you have any questions about this information, you may contact me at ###-###-####, Ext***.Sincerely, [redacted]
Thank you for sending the complaint filed by Ms [redacted] , which we received on April 22, 2015.After a discussion with Ms [redacted] , we have agreed to continue her auto policy at the rate she wasoriginally quoted on December 8, 2014.Ms [redacted] has been advised that her premium will remain the same, and she was pleased with theoutcome of this matterWe regret there was any confusion regarding our requirements.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the complaint filed by Ms, [redacted] ***, which we received on December 4, 2014,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 October 16,2014, we mailed the November 29, 2014, to May 29,2015, renewal offer to Ms,***Included in the renewal package was a premium notice in the amount of $486,with a duedate of November 29, 2014, The premium notice states, "Failure to pay the premium by the due datewill result in the cancellation of your policy,"• On November 12,2014, we mailed Ms, [redacted] a reminder notice in the amount of $486,with a duedate of November 29,2014, The reminder notice states, "Failure to pay the premium by the due datewill result in the cancellation of your policy,"• We did not receive payment from Ms, [redacted] by November 29,2014; therefore, the policy lapsedbecause the renewal premium was not paid on time,• On December 3, 2014, we received an internet request from Ms, [redacted] asking us to apply a paymentof $172,to her Visa card, We attempted to call her, but the phone number on file was no longervalid, We emailed Ms, [redacted] asking her to contact us regarding her policy,• Ms, [redacted] called and requested reinstatement of her policy, We declined the request because therewas a lapse in coverage and break in the contract when the policy cancelled for nonpayment ofpremium,We understand that this is not the outcome Ms, [redacted] would like, but after reviewing the situation asecond time, we respectfully maintain our decision not to reinstate the policy,Lastly, Ms [redacted] expressed concern about no longer being able to view her Ameriprise stocks online as aresult of the cancellationShe has full access to this information since it is housed and available on theAmeriprise Financial website, which is separate from the Ameriprise Auto & Home Insurance website
[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 We still have a few outstanding issues which I am told are in process and hope for timely resolution - first being the payment for water extraction done by [redacted] and the second being aonal damages not covered by initial settlement check A second adjuster inspected the damage yesterday and will be submitting his findings and hopefully the necessary adjustment will be made accordingly Regards, [redacted]
Thank you for sending the complaint filed by Mr [redacted] , which we received on February 6,We understand that he would like additional information regarding his policy premiumWeappreciate the opportunity to address his concems.Mr [redacted] received a quote for auto and home insurance policies on February 4, We providedpremium amounts for auto and home policies separatelyMr [redacted] requested a total monthly premiumfor both auto and home so he could compare our price to what he was currently payingWe said it wouldbe $93.05.We went on to explain that we bill differently than his current insurance companyThey bill monthlypayments for home insurance and monthly payments for auto insuranceOur company bills monthlypayments for home policies and monthly payments for auto policies.In other words, our premiwn did not change from what was quoted; instead, how we divide up thepayments is different than his previous company.After receiving complaint, I called Mr [redacted] and reviewed the billingHe said he did recall that ouragent discussed our billing process, and he acknowledged that the actual policy premium amount did notchange from what was originally quoted and sold to him.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the follcomplaint filed by Ms [redacted] , which wereceived on January 26, 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 limitsWe 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***
Thank you for sending the complaint filed by Mr [redacted] , which we received on April 20, 2015.We understand that he has some questions regarding the reporting of his home claimWe appreciatethe opportunity to address his concerns.When this loss was reported on December 13, 2011, there were two named insureds on the policy: [redacted] and [redacted] We are unaware of why any records would overlap with those of ourinsureds' relative.For proper review and remedy, we suggest that Mr [redacted] contact [redacted] at ###-###-#### asthey track claims reportingUpon Mr [redacted] 's request, [redacted] will forward us their report record ofthis claim to confirm information accuracy.If you have any questions about this information, you may contact me at I ###-###-####, Ext***
Thank you for sending complaint [redacted] , which we received on May 18, We understand that theclaimant disagrees with our decision regarding the claimWe appreciate the opportunity to address hisconcerns.On May 21, 2015, we spoke with this claimant about this home liability claimWe explained that we arestill investigating this claim and no decision has been madeA contractor will be sent to investigate thecause of the water damage to his unitWe will determine whether or not our insured is negligent for thewater loss as soon as we have completed our investigation
Thank you for sending the complaint filed by Mr [redacted] ***, which we received on April 14, Weunderstand that he would like a more detailed explanation of why the policy was canceledWe appreciatethe opportunity to address his concems, and we believe the following timeline will help provideclarification:• On February 26, 2015, Mr [redacted] contacted us to add additional coverage to his home policyHeasked how the additional premium would be paid, and we explained that the payment would becharged to the credit card on March 18,2015.That same day, we emailed the revised documents along with a credit card charge noticeThe creditcard charge notice provided the date of the charge, amonnt of the charge, and the last four digits ofthe credit card.• On March 18,2015, we attempted to charge $to Mr***'s Visa ending in ***Thepayment was returned to us as a decline.• On March 19, 2015, we mailed Mr [redacted] a notice of pending cancellation to the address on file,explaining that we would need payment by April 3, 2015, or the policy would cancel for non-paymentof premium.• We did not receive payment from Mr [redacted] by April 3, 2015; therefore, the policy cancelled for nonpaymentof premiumWe mailed notification of the cancellation to Mr***, along with a refund foroverpayment of premium after the cancellation.• On April 9, 2015, Mr [redacted] contacted us to request policy reinstatementWe denied his request dueto a lapse in coverage and break in the contract when the policy cancelled for nonpayment ofpremium.We acknowledge and appreciate that Mr [redacted] had been a long-term client, and we are truly sorry we areunable to offer him coverageRegrettably, we are unable to change our decision after reviewing tlussituation a second time
Thank you for sending the complaint filed by Mr [redacted] ***, which we received on January 14, 2015.We understand that he disagrees with our decision regarding the claimWe appreciate the opportunity toaddress his concerns.On December 31, 2014, Mr***' Chevrolet S-I was deemed a total loss based on the estimateddamages of $4,Through an extensive market research conducted by a third-party vendor,AudaExplore, we determined the actual cash value of Mr***' vehicle was $2,724.00.On January 5, 15, we presented two total loss settlement options to Mr***: $3,for a nonowner-retained settlement, and $2,for an owner-retained settlementMr [redacted] stated that hewould accept the non-owner retained settlement of $3089.40, but he also wanted to retain the vehicleWeexplained that if the retained his vehicle, we would take a deduction for the value of the salvage; we wouldotherwise recover that amount from the auction of the salvaged vehicle.Mr [redacted] then told us that we forgot to include a couple of options on his vehicle, and he felt thecondition rating of the interior was lowTherefore, we requested interior photos of the vehicle and ranthe actual cash value again - upgrading the interior condition and adding the missing optionsTherevised actual cash value was $2,We also asked AudaExplore to obtain dealer quotes as anadditional evaluationThat actual cash value was $1,950.00.On January 9, 2015, we revised our offer based on the highest actual cash value of $2,and wepresented both the non-owner -retained settlement offer of $3,and the owner-retained settlementoffer of$2,to Mr***.In his complaint, Mr [redacted] indicated that we reduced his settlement amount by $- actually, weincreased our settlement offer by $for non-owner retained settlement and $for owner retainedsettlement.We are confident that our settlement offers are fair and reasonable and accurately represent the value ofMr***' vehicle
Thank you for sending complaint [redacted] , which we received on February 5, 2015. We understand thatour insured would like a more detailed explanation of why the policy was canceled. We appreciate theopportunity to address his concerns.After a discussion with the insured, we have agreed to continue... coverage of his property until the policyrenewal date of December 23,2015.Our insured had been advised that his coverage would be cancelled because his home did not have therequired monitored alarm systems. However, no cancellation was processed, and after a review of theproperty was completed, we agreed to continue coverage of the home until the renewal date - aspreviously mentioned.We regret there was any confusion regarding our requirements. Our insured was under the impressionthat the monitored alarm system was only needed for a discount, but not to continue coverage. Afterdiscussing this in detail, he found it agreeable to continue coverage until the renewal date, which wouldallow him ample time to make other insurance arrangements or potentially activate the required alarmsystems to satisfy our requirements.We have sent an email to our insured to confirm our discussion and subsequent agreement.If you have any questions about this information, you may contact me at ###-###-####, Ext. ***.
Thank you for sending the complaint filed by Mr [redacted] ***, which we received on November 11,2014.We understand that he disagrees with our decision regarding the claimWe appreciate the opportunity toaddress his concerns.We received the notice ofloss from Mr [redacted] on August 1,2014, with a reported loss date of May 22,We assigned [redacted] (***) to contact Mr [redacted] and to complete an inspection, which took placeon August 6, [redacted] found damage to the front slope of roofing, the left elevation siding and downspout, the rightelevation siding, and drywall in the master bedroomThey submitted a repair estimate in the amount of$7,998.53, and we issued payment to Mr [redacted] on September 3, 2014.We received an estimate from Mr [redacted] 's contractor, [redacted] , for a full roof replacementtotaling $,Once we complete our review of the estimate, we will contact [redacted] toattempt to reach an agreed price and scope of repairs.If you have any questions about this information, you may contact me at I ###-###-####, Ext***
Thank you for sending the complaint filed by Ms [redacted] **, which we received on January , Weunderstand that she disagrees with our decision regarding the claimWe appreciate the opportunity toaddress her concerns.We received the notice of loss from Mr [redacted] on December 10, 2014, with a reported date ofloss December 9,Mr [redacted] advised that a rainstorm went through the area and water entered thebasement causing some damage to flooring and drywallWe sent and adjuster with [redacted] (***) to inspect the damage and determine the cause of loss [redacted] found that around someplumbing in the basement there is an exposed area, consisting only of dirt, which allowed the water toenter.We received the inspection report back on December 22,2014, and we issued a denial letter to Ms [redacted] andMr [redacted] citing the policy language that excludes damage caused by water below the surface of theground that enters through a foundation.If you have any questions about this information, you may contact me at ###-###-####, Ext***.Sincerely, [redacted]