Secura Insurance, A Mutual Company

This letter is in response to your email to *** *** of SECURA, dated 4/10/2018, requesting a response with respect to the above-referenced complaint.The Complainant is *** *** and her husband Vernon who reside at *** *** *** *** *** *** *** ** ***Mrand Mrs
*** are unhappy with SECURA’s handling of a claim they submitted to SECURA on or about 2/19/regarding damage they sustained to their 5th Wheel Camper and the roof of their house, as a result of a tree cut down by *** *** falling on these itemsSpecifically, she is unhappy SECURA has denied her claimSECURA denied the Marx claim based on the fact that SECURA’s insured, Advanced Tree Services, owned by *** ***, did not cause the damage alleged by the ***The damage was caused by *** ***, the father of SECURA insured *** ***, who operates a business called Expert Tree Service SECURA does not insure either Expert Tree Service or *** ***Insurance Information:As mentioned above, SECURA insures *** ***, d/b/a Advanced Tree Services, which is located in Keshena, WI under a Commercial Protector policy, specifically SECURA policy CP The term of the applicable policy is 11/27/to 11/27/The inception date of the policy is 11/27/17.Insurance Agency Involved:The Agency involved is Robertson, Ryan & AssociatesLocation of the Loss:*** *** *** *** ***
Claim Background:The claim took place on 2/19/It was first reported to SECURA on 2/19/The claim was subsequently assigned to SECURA Claim Rep *** Hanser for investigation and handling.The facts are a bordering neighbor (*** ***) of Complainants, Vernon and Lori ***, hired *** *** (father of SECURA insured *** ***), who owns a company called Expert Tree Service, to cut down a tree on her property on 2/19/While cutting down the tree, the tree accidentally fell on a 5th Wheel camper owned by the ***, and the *** roof, damaging bothThe ***’ property is located right next door to *** ***’s lot *** *** has told SECURA he, his brother and another person were the people involved in the cutting down of the tree and his son, *** ***, was not thereHe also indicated he and his son have separate companies*** ***’s company is Expert Tree Service and *** ***’s company is Advanced Tree Services*** ***’s company, Advanced Tree Services, is insured by SECURA Insurance*** ***’s company, Expert Tree Service, has no insurance The neighbor whose tree was cut down is *** ***She paid *** *** $to cut the tree downThe tree was cut down by *** *** who is the brother of *** *** and the uncle of SECURA insured Jeff Could*** *** works with *** *** *** works by himselfComplainants allege *** *** helped cut the tree down*** *** is adamant he was not there, and was not involved at all in the cutting down of the treeHis father Tad confirmed Troy was not involved.Part of the confusion regarding this claim apparently stems from *** *** giving the neighbor (*** ***) his son’s (*** ***’s) business card and a Certificate of Insurance from SECURA As mentioned, SECURA did not insure *** *** or his business Expert Tree ServiceAs also mentioned, SECURA’s insured, *** ***, d/b/a Advanced Tree Service had no involvement in this ***er Unfortunately, as also mentioned above, *** *** had no insuranceSECURA believes they have acted properly with respect to this ***er While SECURA understands and appreciates the frustration experienced by Mrand Mrs *** with respect to this ***er, the bottom line is SECURA’s insured, *** ***, was not involved in the cutting down of the tree which damaged the ***’ property Given *** *** was not involved in any way with respect to this ***er, SECURA would have no responsibility for any damage sustained by the ***I would suggest the ***, if they have not done so already, contact either *** *** - who their neighbor *** *** hired and paid to cut down the tree that struck their property - and attempt to work out a settlement or alternatively file a claim with their own insurance carrier, Homesite Mutual Insurance SECURA is not involved in this ***er as SECURA’s insured *** ***, d/b/a Advanced Tree Services was not involved in the cutting down of the tree that caused the damage or any other aspect of this ***erIf you need additional information or have any questions please contact me at 1-920-830-or [email protected] Sincerely yours,*** ** ***
Corporate AttorneySECURA Insurance

See Attached

Review: I switched to another insurance carrier in October 2013. My new agent called and confirmed this. Next, I started receiving letters regarding a bill for November 2013 when they knew I had another insurance. It is now January 2014 and they are threatening to send me to collections for a bill I don't owe. I have filled out cancellation requests and mailed in pertinent info such as my current insurance carrier and effective date yet, they continue to send me a bill.Desired Settlement: I would like them to acknowledge my new insurance and eliminate this bill immediately.

Business

Response:

This is in response to your letter dated 1/15114 which we received on 1117/14, regarding the above-referenced matter.

The Complainant is [redacted] who is a former SECURA insured. [redacted] is unhappy that she received a collectlon letter from SECURA requesting $134.83. Further, Complainant is unhappy that SECURA threatened to place her account with a collection agency if she did not pay, particularly since she switched insurance carriers effective 10/11/13. [redacted] would lilee SECURA to acknowledge she svvitched insurance companies and as a result no money is due and owing and to stop pursuing collection efforts against her. SECURA insmed .[redacted] under a personal package policy, specifically policy PB [redacted], which is a combination auto and home policy. The term of the applicable policy was 9/14/13 to 9/14114. The inception or origination date of her policy was 9/14/11. In reviewing the matter. it appears the complaint stems from a letter SECURA sent [redacted] dated 11/19/13 advising her policy terminated due to failure to pay and there is an outstanding balance due and owing SECURA in the amount of$134.83. The letter further advised if [redacted] had placed coverage with another carrier, she needed to submit a signed Cancellation Request indicating the date she obtained the other coverage. On or about 12117/13, SECURA received a copy of a Cancellation Request signed by [redacted] advising she obtained coverage with [redacted] effective 10/11/13. Attached marked ''Exhibit A" is a copy of an email sent to the agent by SECURA on 12/17/13, a copy of the 11/19/13 letter sent to [redacted]

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. However, please note the exhibit provided was my second attempt to stop the letters from coming from this insurance company. Previously, I submitted the date of my coverage, signed my name, and returned by mail,they were also contacted in October by my current insurance agent. I should not have to provide my policy no. that is confidential information and also the reason I changed insurance companies. My private information was shared with a third party without my consent.

I switched to another insurance carrier in October 2013. My new agent called and confirmed this. Next, I started receiving letters regarding a bill for November 2013 when they knew I had another insurance. It is now January 2014 and they are threatening to send me to collections for a bill I don't owe. I have filled out cancellation requests and mailed in pertinent info such as my current insurance carrier and effective date yet, they continue to send me a bill.