A response was sent to Ms [redacted] on October 28, from Travlers Travelers was unaware of her intentions to cancel her policy as no contact was made to the [redacted] AgencyIn the case that she does not contact Travelers with her intentions to cancel, Travelers will send a cancellation notice if we do not receive payment on the first mailed bill The [redacted] requires all carriers to offer coverage until the date shown on the notice of cancellation In review of her inquiry, Travelers has back dated the cancellation of her policy to June 27, 2014, her intended cancellation date, which brings her balance to $ Collections has been contacted and advised she has no balance due and to stop collection activity
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 I just emailed the form back this morning Sincerely, [redacted]
Coplaint: [redacted] I am rejecting this response because: Seems to me this very important document would be located online with the rest of my policy documentsAlso Travelers say they had to lienholder listed as well as no title for the carSounds pretty sketchy to me Sincerely, [redacted]
A response was sent to [redacted] ***, October 2, from Travelers [redacted] : Thank you for your recent additional inquiry to Travelers through the RevDex.com We appreciate the opportunity to address your concerns [redacted] ***, we understand your position, however, at this time we do stand by our original response regarding the cause of your rate increase
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 Sincerely, [redacted]
A response was sent 9/22/from [redacted] ** Business Center "Thank you for your recent inquiry to Travelers through the Revdex.com I appreciate having the opportunity to speak with you by telephone today and I am sending this letter as a follow up to our conversation Per our discussion and your information provided, we have updated the information for the replacement cost estimator for your homeYour new coverage amount of $361,effective September 24, reflects the correct replacement coverage for your homeThe additional premium for this update will be $43."
A response was sent to [redacted] ***, September 22, from Travelers [redacted] "We appreciate the opportunity to address your concerns First, please accept my apologies for your overall service experience with TravelersWe pride ourselves on delivering the best customer experience and sincerely regret not meeting those expectations for you As noted in our original response, the primary cause for the increase in premium at your renewal is due to Travelers introducing revised rates and factor adjustments for *** since your policy last renewed I did thoroughly review your account and I can confirm that you are receiving the following discounts: Continuous Insurance Discount, Good Payer Discount, Home Ownership Discount, Paid in Full Discount, Safe Driver Discount & New Car Discount for the [redacted] There are additional discounts available for which you may qualify; please contact our Licensed Service Representatives at 1-800-###-#### for a review."
A response was sent to Mr [redacted] from Travelers, on November 14, which outlined the results of a reinspection The bottom line, a supplemental payment will be made for the sunroom, and a separate claim will be opened for the bathroom window and a payment to be made
An email response was sent to [redacted] on October 8, Although collections has been stopped, she will need to sign a Lost Policy Release Form and return it to Travelers, in order to receive a refund to the backdated cancellation date of the policy
A response was sent to [redacted] , September 30, from Travelers [redacted] ** Claim Service Center, indicating Travelers position remains unchangedTravelers Underwriting's response of September 24, indicates they are awaiting proof of repairs that are listed in that letter Another underwriting response may be forthcoming from Travelers
Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted] *** I saw nothing in their answer telling me why they raised my rates at 10%
A response was sent to Mr*** on 11/6/from Travelers as follows:
"Our processing department has
applied an override to reduce your premium back to $as that was the quoted
premium which we are happy to honor
I can confirm that your
policy is receiving credit for you Travelers homeowner policyThis discount is
listed on your policy declaration page as “Multi-Policy Discount”We currently
do not list the discount for home policies as a “Homeowner Policy Discount”On
your home policy, the discount for having your auto policy with Travelers
appears as “Account Discount”"
Mr***, Good Morning......Travelers cannot identify a homeowners policy number in your and your ex-wifes' name. The address and phone number provided do not come up in our policy system search. Additionally, without your ex-wifes' name we cannot identify a claim number. Please
proivde her name, a policy number and a claim number so that we can properly identify what Travelers office will need to respond. Thank you
Complaint: ***
I am rejecting this response because:
Sincerely,
*** *** / What they are telling me is what I signed up for as for all my discountsNothing has changedThat is no reason for Rates to clime 10% every monthsCost of living doesn't go that highIn fact they have lowered what my house is worthThey were trying to tell me it was because the area was getting betterRaising rates that much at a time is still bad business and I don't agree with it
A response was sent to Ms*** on October 29, from Travelers
The response recapped the dates of inspections and reinspections of the roof for hail damage. The outcome is there is not significant hail damage to replace the roof, and that repair estimates are below the $1,
deductible. The roof did suffer some minimal hail damage that can be repaired iwthout devaluing her home. Travelers decision is based on the extent of the damage that was done by a covered cause of loss, and not the age of the roof or on fact that neighbors may be getting their roofs replaced
A response was sent to Mr*** on October 10, from Travelers:
"First, please accept our sincere apologies for
the service experience in regards to your premium and policy concerns being
addressedI have conducted a detailed review of your policy and see that your
rate has been changed
back to the $for the term as you requested
Complaint: ***
I am rejecting this response because:
After I submitting this complaint, I received contact from an agent that provided me a courtesy credit to bring the current policy down to the $that I was originally quotedThis is a nice gesture but does not address my original complaintI'm not that upset about the money - $36/months is not significantI'm more upset about the principle of thisI was quoted $by different individualsWhen the policy change was processed, the rate increased and I was not informed that it would be different than my quoteTo date, no one one has investigated why there was a discrepancy between the quotes and the actual; I have only either been brushed off or now given a courtesy credit that will not be recognized at renewal.
To be clear on the history: Both individuals that I talked to - *** *** from *** *** and the agent from Travelers went through the same experienceThey both told me initially that the rate was going to go up based on the address change but then they both identified that they had neglected to reflect on the account that I was a homeowner versus a renterAfter making this adjustment, they both confirmed that there would be no change in the rateThis is why I narrowed down on this potentially being the issue though the last person I messaged with told me that this would not affect the policy rate at all
I want someone to investigate the discrepancyIt's my understand that both of my calls where this was discussed were recordedWhy has no one reviewed those recordings? This should clarify.
Sincerely,
*** ***
A response was sent to Mr*** October 23, from Travelers *** *** Business Center as follows:
"Thank
you for your email of October 20, regarding your home policy and your
comments related to your policy limits
As
explained in my letter to the *** *** ** ***, our homeowners
program includes a provision for Inflation Coverage, which allows for an
automatic annual modification to the policy limitsThe purpose of this
provision is to protect against an increase in the cost to rebuild your home in
the event of a total loss
Every
year, we encourage our policyholders to discuss their property and the amount
of coverage appropriate to meet their needs.
Based on our recent conversation with you, your policy has been adjusted
for the current term and we made this change retroactive to your term
However, we are unable to comply with your request for additional adjustments
for earlier policy periods."
A response was sent to Ms [redacted] on October 28, from Travlers Travelers was unaware of her intentions to cancel her policy as no contact was made to the [redacted] AgencyIn the case that she does not contact Travelers with her intentions to cancel, Travelers will send a cancellation notice if we do not receive payment on the first mailed bill The [redacted] requires all carriers to offer coverage until the date shown on the notice of cancellation In review of her inquiry, Travelers has back dated the cancellation of her policy to June 27, 2014, her intended cancellation date, which brings her balance to $ Collections has been contacted and advised she has no balance due and to stop collection activity
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 I just emailed the form back this morning Sincerely, [redacted]
Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted]
Coplaint: [redacted] I am rejecting this response because: Seems to me this very important document would be located online with the rest of my policy documentsAlso Travelers say they had to lienholder listed as well as no title for the carSounds pretty sketchy to me Sincerely, [redacted]
Travelers position has not changed since the prior responses to Ms [redacted] , therefore another response is not being sent
A response was sent to [redacted] ***, October 2, from Travelers [redacted] : Thank you for your recent additional inquiry to Travelers through the RevDex.com We appreciate the opportunity to address your concerns [redacted] ***, we understand your position, however, at this time we do stand by our original response regarding the cause of your rate increase
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 Sincerely, [redacted]
A response was sent 9/22/from [redacted] ** Business Center "Thank you for your recent inquiry to Travelers through the Revdex.com I appreciate having the opportunity to speak with you by telephone today and I am sending this letter as a follow up to our conversation Per our discussion and your information provided, we have updated the information for the replacement cost estimator for your homeYour new coverage amount of $361,effective September 24, reflects the correct replacement coverage for your homeThe additional premium for this update will be $43."
A response was sent to [redacted] ***, September 22, from Travelers [redacted] "We appreciate the opportunity to address your concerns First, please accept my apologies for your overall service experience with TravelersWe pride ourselves on delivering the best customer experience and sincerely regret not meeting those expectations for you As noted in our original response, the primary cause for the increase in premium at your renewal is due to Travelers introducing revised rates and factor adjustments for *** since your policy last renewed I did thoroughly review your account and I can confirm that you are receiving the following discounts: Continuous Insurance Discount, Good Payer Discount, Home Ownership Discount, Paid in Full Discount, Safe Driver Discount & New Car Discount for the [redacted] There are additional discounts available for which you may qualify; please contact our Licensed Service Representatives at 1-800-###-#### for a review."
A response was sent to Mr [redacted] from Travelers, on November 14, which outlined the results of a reinspection The bottom line, a supplemental payment will be made for the sunroom, and a separate claim will be opened for the bathroom window and a payment to be made
An email response was sent to [redacted] on October 8, Although collections has been stopped, she will need to sign a Lost Policy Release Form and return it to Travelers, in order to receive a refund to the backdated cancellation date of the policy
A response was sent to [redacted] , September 30, from Travelers [redacted] ** Claim Service Center, indicating Travelers position remains unchangedTravelers Underwriting's response of September 24, indicates they are awaiting proof of repairs that are listed in that letter Another underwriting response may be forthcoming from Travelers
Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted] *** I saw nothing in their answer telling me why they raised my rates at 10%
A response was sent to Mr*** on 11/6/from Travelers as follows:
"Our processing department has
applied an override to reduce your premium back to $as that was the quoted
premium which we are happy to honor
I can confirm that your
policy is receiving credit for you Travelers homeowner policyThis discount is
listed on your policy declaration page as “Multi-Policy Discount”We currently
do not list the discount for home policies as a “Homeowner Policy Discount”On
your home policy, the discount for having your auto policy with Travelers
appears as “Account Discount”"
Mr***, Good Morning......Travelers cannot identify a homeowners policy number in your and your ex-wifes' name. The address and phone number provided do not come up in our policy system search. Additionally, without your ex-wifes' name we cannot identify a claim number. Please
proivde her name, a policy number and a claim number so that we can properly identify what Travelers office will need to respond. Thank you
Complaint: ***
I am rejecting this response because:
Sincerely,
*** *** / What they are telling me is what I signed up for as for all my discountsNothing has changedThat is no reason for Rates to clime 10% every monthsCost of living doesn't go that highIn fact they have lowered what my house is worthThey were trying to tell me it was because the area was getting betterRaising rates that much at a time is still bad business and I don't agree with it
A response was sent to Ms*** on October 29, from Travelers
The response recapped the dates of inspections and reinspections of the roof for hail damage. The outcome is there is not significant hail damage to replace the roof, and that repair estimates are below the $1,
deductible. The roof did suffer some minimal hail damage that can be repaired iwthout devaluing her home. Travelers decision is based on the extent of the damage that was done by a covered cause of loss, and not the age of the roof or on fact that neighbors may be getting their roofs replaced
A response was sent to Mr*** on October 10, from Travelers:
"First, please accept our sincere apologies for
the service experience in regards to your premium and policy concerns being
addressedI have conducted a detailed review of your policy and see that your
rate has been changed
back to the $for the term as you requested
Complaint: ***
I am rejecting this response because:
After I submitting this complaint, I received contact from an agent that provided me a courtesy credit to bring the current policy down to the $that I was originally quotedThis is a nice gesture but does not address my original complaintI'm not that upset about the money - $36/months is not significantI'm more upset about the principle of thisI was quoted $by different individualsWhen the policy change was processed, the rate increased and I was not informed that it would be different than my quoteTo date, no one one has investigated why there was a discrepancy between the quotes and the actual; I have only either been brushed off or now given a courtesy credit that will not be recognized at renewal.
To be clear on the history: Both individuals that I talked to - *** *** from *** *** and the agent from Travelers went through the same experienceThey both told me initially that the rate was going to go up based on the address change but then they both identified that they had neglected to reflect on the account that I was a homeowner versus a renterAfter making this adjustment, they both confirmed that there would be no change in the rateThis is why I narrowed down on this potentially being the issue though the last person I messaged with told me that this would not affect the policy rate at all
I want someone to investigate the discrepancyIt's my understand that both of my calls where this was discussed were recordedWhy has no one reviewed those recordings? This should clarify.
Sincerely,
*** ***
A response was sent to Mr*** October 23, from Travelers *** *** Business Center as follows:
"Thank
you for your email of October 20, regarding your home policy and your
comments related to your policy limits
As
explained in my letter to the *** *** ** ***, our homeowners
program includes a provision for Inflation Coverage, which allows for an
automatic annual modification to the policy limitsThe purpose of this
provision is to protect against an increase in the cost to rebuild your home in
the event of a total loss
Every
year, we encourage our policyholders to discuss their property and the amount
of coverage appropriate to meet their needs.
Based on our recent conversation with you, your policy has been adjusted
for the current term and we made this change retroactive to your term
However, we are unable to comply with your request for additional adjustments
for earlier policy periods."