Security Alarm Company - Muskogee

A reesponse was sent 9/15/from Travelers *** ** *** ***
We do see that you’ve been in contact with our
Service Representatives and were advised that Travelers introduced revised,
higher rates since your policy last renewed and that this was a factor in the
higher
premium. We did thoroughly review your account and 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 *** ***There are
additional discounts available for which you may qualify; please contact our
Licensed Service Representatives. (The contact information was provided in the resonse letter as well.)

A response was sent to Mr*** on October 27, from Travelers:
On August 13,
the site inspection was completed with Ms***. The inspection revealed that the non-submersible
sump pump failed during a recent heavy rain storm resulting in the water damage
to the lower level basement Damages
included structural repairs, cleaning, and damage to various contents items
stored in the basement. During the site
inspection Ms*** advised that after a divorce she obtained full ownership
of the home and presented documentation to support that claim. Relying on the information she provided the
claim was paid and the matter closed.
On August 27, we received a call from you
detailing your concern that Ms*** was making a fraudulent claim and
misrepresented that she had full ownership of the home after the divorce. At that time, we reopened the claim to
further investigate this issue. Travelers
Investigative Services was consulted and an investigator assigned to meet with Ms***
The result was that
we were not able to conclude with sufficient evidence that Ms*** acted
fraudulently with regard to the damages claimed. On September 23, Travelers received a
copy of a court order signed by Judge *** which resolved the dispute
with the payment being made only Ms*** and on the same day we received
notice from you that the check could be released to Ms*** only.
It is unfortunate
that you are frustrated with the outcome of this claim. Please accept my apologies for any
inconveniences this experience may have caused you. It was and continues to be our purpose to
handle this matter as fairly and amicably as possible for all parties involved

A response was sent to Ms*** on September 17, 2014 from Travelers *** ** Business Center
"Travelers conducted a thorough
review of your automobile policy and can confirm that physical damage was added
to your *** *** in error effective January 14,
Your policy had
been ceded to *** *** *** Facility effective November 1,
and a notice was mailed (a copy is included with this letter) to you on
September 9, advising we were no longer offering physical damage coverage
Your renewal documents also reflected that there was no physical damage
coverage as well
Effective January 14, we added, at your request, the *** *** to your automobile policyWe did, in error, offer and rate for
physical damage on your *** and were bound to that coverage until it was removed
effective your November 1, renewalWe mailed a separate letter (a copy is
included with this letter) on October 17, advising we were removing the
physical damage coverage effective November 1, as the *** *** *** Facility does not offer physical damage coverageYour November 1,
renewal policy documents also reflected the removal of physical damage
coverageIn light of our review we are unable to honor your request for
coverage of the August 29, claim
Your policy was ceded to the *** *** *** Facility due to rating variables which include but
are not limited to number of vehicles, coverage limits, number of drivers and
territory."

Complaint: ***
I am rejecting this response because:
I agreed with the coverage at the inception of my policy and I failed to adequately securitize my coverage in the subsequent yearsHowever, my failure to question Traveler’s practices does not give it the authority to increase my coverage without any adequate reasonAn “Inflation Coverage provision” should not increase my coverage on average of over 5% per year for the life of the policy, especially in the last years during the economic crisis, this may have been adequate for the first few years of the policy
I’m still seeking two additional years of credits
Sincerely,
* *** ***

A response was sent to *** *** on 10/23/from Travelers as follows:
We have reviewed your account
and we will be waiving the premium dueYour balance due is $We have
contacted our collections partners and advised that you no longer have a
balance due

Complaint: ***
I am rejecting this response because: I should not need to be approved again by the underwriters, nothing needs to change with my policy. When I made my claim, it took months to settle it and they even closed it once during the process and it was nearly impossible to get them to reopen it so we could settle the claim. Then nearly 1/years after the claim I get a letter cancelling my policy. Travelers only wants me to reapply so they can write an unacceptable policy
Sincerely,
*** ***

Complaint: ***
Here is the requested information:
The names are *** *** and *** ***
The address is
*** *** *** ***
*** *** ** ***
Policy number: *** *
Claim Number: ***
Note the policy is no longer active as Travelers canceled the plan
Sincerely,
*** ***
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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

I have outlined below the circumstances surrounding Mr*** *** *** audit and the steps I took to resolve his issue:
Mr*** completed the *** *** *** audit and only sent in a *** tax form for himselfRequested by our Company for all insured's who have a ***
*** policy and state they have no employees is for that insured to supply their annual business tax form. This tax form will not only confirm that the insured had no employees, but would also validate that the Insured did not use any uninsured contract labor during the policy periodPart Five of the insured's policy states we have a right to audit the records of the insured. The annual return was requested to complete Mr*** audit and when it was not received, an estimated audit was completed per procedures in place for non-compliance with the request for additional audit information
Per the insured's explanation as to why he obtained a *** *** policy in his complaint, I had his audit removed from collection and the estimated audit revised. I also had has cancellation term correctedBoth audits have resulted in a premium credit reduction. Mr*** can contact our Accounting Department ###-###-#### for billing information
I trust that the above steps taken have resolved Mr*** issue with our Company
Sincerely,
*** *** *** *** l *** *** *** * *** *** *** ***
*** *** ***
*** ** ***
*** *** ** *** *** *** * ***
*** ***

A response is going out today from Travelers.It included a summary of the activity on the account, as well as the following:
"After
reviewing your account, we are strongly recommending that you complete the
self-audit in order to assess the proper premium that should be charged to
the
09/20/2013-90/20/policy period. The
policy was initially written with an estimated exposure that was to be verified
at the policy expiration by the self-audit.
Once the self-audit is returned, we can properly assess the final
premium that may result in a refund or an additional payment based on the
actual exposure incurred during the 09/20/2013-09/20/policy period
If you have any questions in regards to the self-audit
process, please feel free to contact our Audit Department."

A response was sent to Ms. [redacted] on September 26, 2014 from Travelers [redacted] Business Center as follows:
"Thank you for your recent
response to the Revdex.com.  I appreciate having the opportunity
to address your response in this letter.
The documents included are
not available as part of our online documents as they are manually generated
documents. All documents listed and available online are system generated
automatically. We appreciate your feedback and are happy to provide a copy if
requested.
Included in this mailing is a
copy of the letter requesting lienholder information. We have no response from
you to this letter on record.
Please let me know if you
have any further questions and thank you for your inquiry. "

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted] A man named [redacted] I believe is looking into this issue. Said he could not get back to me until Thursday if next week. There is falsified information pending. also we have no confirmed identity to who did the investigation. Not inspection as one was not requested.

“Based on Travelers receiving a Virginia Department of Insurnace complaint, a
response was sent to Mr. [redacted] on 10/13/2014 from Travelers [redacted] Business Center.
The
policy terms have been corrected back to 2011.  This was communicated to
Mr....

[redacted], and the appropriate return premiums will be applied to his
account.
It
is Travelers goal to work with our policyholders to review their property and
help them understand the amount of coverage that may be appropriate for their
needs.  Over time, adjustments may be need to ensure that the coverage
limits remain consistent with the reconstruction value of the home.  Our
records do not reflect that Mr. [redacted] contacted his agent or Travelers to
review his policy limits until the September 2014 discussion.  At that
time, a review was conducted to estimate the replacement cost of his home and
the coverage was revised accordingly.”

A response was sent to Ms. [redacted] on 11/21/2014 as follows:
"Our investigation of this
loss indicates the dishwasher in the home had been leaking for a period of
several months.  Deterioration was noted
in the area of the leak.  Unfortunately
your policy of insurance the [redacted]...

** [redacted] does not provide
coverage for this type of loss, I refer you to the denial letter that was
mailed to you dated October 13, 2014, a copy is enclosed with this letter.  The policy contains exclusions for repeated
seepage, wear and tear and deterioration.
We also handled a claim for
this damage with a date of loss of May 9, 2014, claim number [redacted].  The information provided by your plumber
shows the leak had been ongoing for at least two months prior to the May 9th
date of loss.  This claim was also denied
based on the exclusion for repeated seepage, 
wear and tear and deterioration.  I
have enclosed a copy of this letter.    
I hope this responds to your concerns."

A response was sent to [redacted], September 30, 2014 from Travelers [redacted] Claim Service Center, indicating Travelers position remains unchanged. Travelers Underwriting's response of September 24, 2014 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:  My agent NEVER said to me that this premium for my policy was a ESTIMATE verbally or in writing, and Travelers Insurance Co. never said from the begining verbally or in writing that this was a estimate!  Every bill sent to me said minimum amount due or BALANCE  due not ESTIMATE  due!  I feel my agent and Travelers Insurance Co. were not and wasn't truthfull to me and mislead me from the start. 
Sincerely,
[redacted]

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]

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted] They are unreasonable in the charges they have put on my account so I'm not going to withdraw my complaint. Other people need to know how they do business so they can respond on whether they want them as an insurance company. I have paid the amount they are charging so I will have the 6 months to find another company. Their charges are way out of line and they won't budge one inch on compromising with me. So the complaint stands.

A response was sent to Travelers Insured [redacted] on 9/9/2014, after a call to her sone [redacted], from Travelers [redacted] Claim Office.
After an extensive conversation with Mr. [redacted] on the afternoon of September 9, 2014 and discussed all of the issues he
raised in this...

complaint. We reached an agreement that we would send a representative
from [redacted] to determine if there were elevated mold levels in the house.
If the report from [redacted] suggests that there are elevated mold levels, and
there is no clear indication of what is causing the issue, then we will at that
time hire an engineer to determine whether the mold levels observed are a
result of a covered cause of loss under your policy. Once the inspection is
completed and the report from [redacted] is received, we will advise you of the
findings and whether or not an engineer will be needed.

A response was sent to [redacted], October 2, 2014 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.