UNIRISC, Inc.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:An email provided on February 12, at 13:EST was sent to me prior to the denial of paymentIt stated, "Hi ***, we have reviewed your file again
with the underwriters and based on the signed delivery documents and no written
exceptions, we will be able to honor your claim for the missing camera items." I then asked for confirmation of this statement and then after several days, UNIRISC said that my claim was declinedKeep in mind this was a staggering five (5) months after submission of my claimAfter admitting they misplaced my documents, then saying it would pay it, then saying it would not, it is apparent that the representatives from UNIRISC mishandled this from start to finish and was attempting to delay my ability to make a complaint by using excessive time in responding to meIn fact, there was no response unless I initiated contactUNIRISC only provided documents after I filed a case with the Revdex.comI question the authenticity and accuracy of these after-the-fact documents as well as the process on how claims are handled as the unresponsive representative at UNIRISC had shown in my case.
I seek an amicable solution to my claim
Regards,
*** ***

Regrettably, *** ***'s adjuster, Cindy F*, has been out on leave for an extended time and is not expected to return for several weeks. Her supervisor, Deborah W***, has been in contact with *** *** the last couple of weeks. The review was completed on 09/and a
settlement offer emailed to *** ***.
Should you have any questions, please feel free to contact us

The following is the absolute truth.
Fact: I paid $1546.88 to Unirisc insurance company for a move.
Fact: I received some damages on a cabinet from the move.
Fact: Unirisc sent a repair company to survey the damages.
Fact: I waited 3 months for the repair company to come back and do repairs to the cabinet.
Fact: I gave up waiting after 3 months and personally paid a different company to do the repairs.

May 13, 2016Revdex.com 1411 K Street, 10" Floor Washington, DC 20005-3404 Attn. [redacted]RE: Claim Number: [redacted]Customer: [redacted] Insured: PODS, Inc. Date of Discovery: 03/03/2016 Incident #: [redacted] Revdex.com Case #: [redacted]Dear Mr. [redacted],[redacted] Services, Inc. insures PODS, Inc. for Commercial Inland and Worldwide Cargo Marine Insurance Coverage under policy [redacted], with a policy effective date of November 01, 2015, until October 31, 2016. The effective dates of coverage on the above referenced property are January 8, 2016 until March 2, 2016. UNIRISC, Inc acting on behalf of [redacted] Services has completed the investigation of the claim.Thank you for providing the customer's additional comments. Unfortunately, as previously stated our investigation has established that the damage was not a covered cause of loss.
However, as a gesture of good faith and in an effort to resolve this matter amicably, underwriters have agreed to a good will settlement of 50% of the amount claimed for an offer of $5,350.00. A copy of the letter sent to Mr. [redacted] has been attached for your records.
Upon notification of his acceptance of the offer, a release will be sent to Mr. [redacted] to have signed and notarized so that payment can be processed.
If you have any questions or concerns regarding this correspondence, please feel free to contact me.

[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]

The complaint has been forwarded to the responsible party here at UNIRISC and we will be composing a response shortly.May 11, 2016Revdex.com 1411 K Street, 10" Floor Washington, DC 20005-3404 Attn. [redacted]RE: Claim Number: [redacted]Customer: [redacted] Insured: PODS, Inc. Date...

of Discovery: 03/03/2016 Incident #: [redacted] Revdex.com Case #: [redacted]Dear Mr. [redacted],[redacted] Services, Inc. insures PODS, Inc. for [redacted] Insurance Coverage under policy [redacted], with a policy effective date of November 01, 2015, until October 31, 2016. The effective dates of coverage on the above referenced property are January 8, 2016until March 2, 2016. UNIRISC, Inc acting on behalf of [redacted] Services has completed the investigation of the claim.Our investigation has established that the damage was the result of improper packing and/or shifting of contents in the container. Since the customer either hires their own packing service or they pack the containers themselves, damages resultant from loading or shifting of contents is a specific exclusion.In addition, the customer has also alleged that someone accessed the container, the PODS location has advised that no one had access to the container and the first notification of this matter to PODS was after the container had been picked up empty from Mr. [redacted], approximately 10 days after the redelivery. Since there is no coverage for breaking and entering while the container is onsite with the customer and not in the care, custody and control, we cannot confirm that this reported damage is a covered cause of loss.Therefore, a letter maintaining our position in this matter has been sent to Mr. [redacted], a copy is attached for your records.If you have specific questions or concerns regarding this correspondence, please feel free to contact me.

May 13, 2016Revdex.com 1411 K Street, 10" Floor Washington, DC 20005-3404 Attn. [redacted]RE: Claim Number: [redacted]Customer: [redacted] Insured: PODS, Inc. Date of Discovery: 03/03/2016 Incident #: [redacted] Revdex.com Case #: [redacted]Dear Mr. [redacted],[redacted] Services, Inc. insures PODS, Inc. for Commercial Inland and Worldwide Cargo Marine Insurance Coverage under policy [redacted], with a policy effective date of November 01, 2015, until October 31, 2016. The effective dates of coverage on the above referenced property are January 8, 2016 until March 2, 2016. UNIRISC, Inc acting on behalf of [redacted] Services has completed the investigation of the claim.Thank you for providing the customer's additional comments. Unfortunately, as previously stated our investigation has established that the damage was not a covered cause of loss.However, as a gesture of good faith and in an effort to resolve this matter amicably, underwriters have agreed to a good will settlement of 50% of the amount claimed for an offer of $5,350.00. A copy of the letter sent to Mr. [redacted] has been attached for your records.Upon notification of his acceptance of the offer, a release will be sent to Mr. [redacted] to have signed and notarized so that payment can be processed.If you have any questions or concerns regarding this correspondence, please feel free to contact me.

May 12, 2016Revdex.com 1411 K Street NW10" Floor Washington, DC 20005-3404 Attn: [redacted]RE: [redacted] -Revdex.com Complaint # [redacted]Dear Mr. [redacted]:We are in receipt of your follow up email to [redacted], which also includes additional comments that have been offered by Mr. [redacted].The last response we sent [copy included 1 details the reasons we are unable to consider the - supplemental claim that was filed by Mr. [redacted]. With regard to the 2/12/2016 email sent by Chris D[redacted] of our company to Mr. [redacted], stating “We have reviewed your file again with the underwriters and based on the signed delivery documents and no written exceptions, we will be able to honor your claim for the missing camera items", the context of this statement clearly demonstrates that it was Chris' intention to have stated “we will not be able to honor your claim.” This was subsequently addressed by Chris în another email.
Mr. [redacted], I'm not sure what more we can offer in terms of a response, which has not already been stated in my letter to you dated 4/19/2016. If you require anything further, please let us know.
Sincerely,

April 19, 2016Revdex.com 1411 K Street NW10" Floor Washington, DC 20005–3404 Attn: [redacted]RE: [redacted]Revdex.com Complaint # [redacted]Dear Mr. [redacted]:The claim in question which applies to this complaint was investigated and handled by Christopher D[redacted]. I...

became involved after the claim had been declined by Chris. I am taking this opportunity to identify and respond to the specific issues raised by this customer in the Customer's Statement of the Problem section of the Revdex.com form that we received.Unirisc declined the payment without any basis-This is not true. For your reference, I have included a copy of my email to this customer, dated 2/29/16. This email clearly explains the reasons why we are unable to consider the claim in question.
Unirisc lost my case file – Chris D[redacted] did confirm that the customer's file had been inadvertently placed into “closed filing”. This resulted in a delay in us getting back to the customer. We did apologize for this having happened.Unirisc was unable to produce any documentation of a so called investigation – The customer had indeed requested details of what the tracing investigation had entailed. This task was performed by [redacted] Van Lines, so we had referred this question on to them. Unfortunately, [redacted] did not get back to us about this until yesterday. Please note that I will be providing the customer with the email that we just received from Candace Williams of [redacted] Van Lines which addresses this. I am including a copy of Candace's email for your reference.
If we can assist with anything else, please let us know.
Jim M[redacted] VP of ClaimsSpecial Risk SolutionsWashington, DC Paramus, NJ Lombard, IL Dalías, TX Toronto, ON Norco, CA Orlando, FL

Regrettably, [redacted]'s adjuster, Cindy F[redacted], has been out on leave for an extended time and is not expected to return for several weeks.  Her supervisor, Deborah W[redacted], has been in contact with [redacted] the last couple of weeks.  The review was completed on 09/21 and a settlement...

offer emailed to [redacted]. 
Should you have any questions, please feel free to contact us.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: it is ridiculous to suggest that the dress was damaged prior to the move. The crew could have documented damages on the inventory checklist, but they didn't, because the dress wasn't damaged prior to the move! It was packed by [redacted] Lines in a box with metal hooks. Metal vs. lace does not work. It's also ludicrous to suggest the way I unpacked caused the tears. I opened the box and removed the items-pretty standard method. [redacted] Lines utilized wardrobe boxes for most of the itemsin my closet, but chose to ball up my wedding dress and put it in a box with a 3 hook rack. I think it's pretty obvious were the damage came from.The expectation was that all of my items should have been packed properly, regardless of their value. It is ludicrous that you are suggesting a form was required to advise a crew to pay attention to what they were doing only because the item was expensive.  No one with common sense should put a lace wedding dress in a box with metal hanging racks!The excuses and placing the blame on me is infuriating. This is terrible customer service. I notified [redacted] Lines immediately of the damage and they apologized profusely and assured me I would be properly reimbursed. The dress was packed with metal hooks. It's pretty clear how the dress was torn. It should have been packed like the rest of my clothes-in a wardrobe box, not balled up-and my dress would not have been damaged. I provided the receipt, and expect to be reimbursed for my dress, not given an arbitrary amount of money and excuses.
Regards,
[redacted]

We are sorry for the delay in responding.  The claims manager has been out addressing critical health issues.
Our documents are now attached.
Very truly yours,
Teresa J[redacted]

The complaint has been forwarded to the responsible party here at UNIRISC and we will be composing a response shortly.
May 11, 2016Revdex.com 1411 K Street, 10" Floor Washington, DC 20005-3404 Attn. [redacted]RE: Claim Number: [redacted]Customer: [redacted]...

[redacted] Insured: PODS, Inc. Date of Discovery: 03/03/2016 Incident #: [redacted] Revdex.com Case #: [redacted]Dear Mr. [redacted],[redacted] Services, Inc. insures PODS, Inc. for [redacted] Insurance Coverage under policy [redacted], with a policy effective date of November 01, 2015, until October 31, 2016. The effective dates of coverage on the above referenced property are January 8, 2016until March 2, 2016. UNIRISC, Inc acting on behalf of [redacted] Services has completed the investigation of the claim.Our investigation has established that the damage was the result of improper packing and/or shifting of contents in the container. Since the customer either hires their own packing service or they pack the containers themselves, damages resultant from loading or shifting of contents is a specific exclusion.
In addition, the customer has also alleged that someone accessed the container, the PODS location has advised that no one had access to the container and the first notification of this matter to PODS was after the container had been picked up empty from Mr. [redacted], approximately 10 days after the redelivery. Since there is no coverage for breaking and entering while the container is onsite with the customer and not in the care, custody and control, we cannot confirm that this reported damage is a covered cause of loss.
Therefore, a letter maintaining our position in this matter has been sent to Mr. [redacted], a copy is attached for your records.
If you have specific questions or concerns regarding this correspondence, please feel free to contact me.

February 14, 2017,[redacted] Revdex.com serving Metro Washington DC and Eastern Pennsylvania1411 KST. NW 10" FLOORWASHINGTON DC2OOO5-34O4.ID # [redacted]RE: [redacted]Dear [redacted]:In reference to the receipt of the complaint submitted by [redacted], below is the response to the...

complaint:We are a third party administrator that handles claims on behalf of [redacted].We did receive a claim from [redacted] regarding damage to a wedding dress and a scentsy warmer as well as 2 gray down pillows (missing) on 11/03/16. (exhibit A).Paperwork included in the move is a "Declaration of Value Inventory" sheet. This is for items of value in excess of $100.00 per pound. (exhibit B) this form was signed by the customer with no notation of any high value items.In addition the household goods descriptive inventory and customer check off sheet (exhibit C & D) were also signed with no notations of any damage while in the care and custody of [redacted].The dress was inspected by a local repair firm, (exhibit E) it was suggested by the repair firm to take the dress to an alterations repair shop. It was noted that the dress could not be repaired at that particular shop.At this point it was discussed that she take the dress to the establishment where the dress was purchased. It was then discussed that the establishment would reach out to the designer of the dress to see if the lace portion could be repaired/replaced.We feel the amount of $1500.00 was a fair and reasonable settlement based on:Special Risk Solutions

Hi there,I wrapped all the breakable items in bubble wrap, then I put the items in the bubble wrap in blankets and towels. They I put them in a cardboard box. They head of the wooden doll wouldn't have fell off unless the container was slammed to the ground.  The finally the insurance company came back with an amount to pay for my damage. Now, they want me to notarize the form to make things more expensive for me and they issuance of the payment a longer process.Thanks
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

Review: While deployed overseas, Unirisc insured my belongings while in storage. I received my belongings and several items were broken. Unirisc paid for some of the items. I also noted that a 40 inch Samsung television (retail approx $900.00) was not functioning but having periodic static cover the entire screen and then shutting off. I complained and on 22 February 2013, [redacted] came to take it for repair. After one week, on 1 March 2013, [redacted] called to say he couldn't figure out the problem. I reminded him that it seemed to me that repairing electronic items were a tricky problem. He asked what plug I was using and I told him it was normal [redacted] cable box. I called [redacted] at Unirisc on 6 March 2013. She looked up my file and advised there was a question about power supply and concerns when a TV has been used in another country. I reminded her that the TV was purchased new in the US and stored by the company she insured. I also mentioned that [redacted] couldn't seem to figure out the problem. [redacted] advised that she paid [redacted] $175 and viewed it as a courtesy because the problem had to be the power pack. I told her I disagreed and told her the TV needed to be replaced and also that it appeared that Unirisc was just trying to do the cheap thing and not really take care of the problem . On 8 March 2013, [redacted] delivered the TV and said it was repaired. On the evening of delivery the same static and shut off problems occurred and I contacted [redacted] as well as Unirisc. Unirisc has never returned my call. [redacted] left a voicemail for me on 14 March saying that they wanted me to somehow take a picture of the problem. I called [redacted] on 15 March and advised that I was not happy about the service. [redacted] ([redacted]) asked me to take a picture of the problem and send to him at his company email address because he wanted to see it. That evening I took two brief video clips of the problem where the TV went to full static then blue screen. I have not yet received any call or response from either Unirisc or [redacted]. I had also been advised by an independent technician that the problem was symptomatic of a problem with the main board where heat, humidity or dropping the TV could cause the described problems.Desired Settlement: I would like the problem free functioning of my TV or preferably an equivalent replacement if it cannot be totally repaired. Thank you.