West Bend Mutual Insurance Company

Review: I had signed up for insurance for my car and home in march of 2013 and then in June of 2013 I had a major plumbing/sewage problem in my basement that needed immediate repair. I contacted my representative and he failed to return my phone call for almost a week. When I told him about the problem he basically laughed at me and told me it wasn't covered. And in my paperwork of insurance coverage it stated cleanup and repair of plumbing. He said it wouldn't be covered and told me I bought a dud of a house. Was completely rude. I filed a claim anyways over the phone with the actual company. Then their adjuster was horrible at getting back to me. His schedule to come look at the damage was scarce. Would only be in the area one day that next week and for only 2 hours. The time didn't work for me so he said he would have to get back to me. It was 2 weeks before I heard from him again and same story. I had to go severly limiting my plumbing for a month waiting for this guy to come out and access damage before I could have repairs made. I would call him and he wouldn't return my calls, or would be unavailable to come to the house when I needed him too. In July 2013 I cancelled my insurance for both auto and home due to the mess with their lack of communication. I wasn't going to pay for service that they did not provide. Also when I initially signed up I was told my car insurance would be about 75 a month, when I got my first bill I noticed it was 115. Lack of honesty with company and handling issues in a timely and appropriate manner. They have since sent me bills for past due payment saying I haven't paid for my insurance since July 2013. I cancelled service and they still charged me.Desired Settlement: I want my "past due" bill of over $300 removed. I do not want it affecting my credit and them to keep sending me bills or send me to collections. I cancelled the service therefore I shouldn't have been charged for the months to follow. I am not paying for service I cancelled and no longer received.

Business

Response:

I am writing in regard to the above referenced matter.

In regards to the claims concerns, after receiving notice of the claim, our claims representative

contacted the insured. Based on the facts of this claim, in our initial discussion we told our

insured that it was unlikely the claim would be covered by her policy. To assure a complete

understanding of the matter we thought it would be important to meet with her and inspect the

home. Scheduling such a meeting that would meet both parties' schedules was difficult - so we

sent a letter attempting to finalize a date. With no response to the letter, we sent another letter

setting out our position for denial of the claim. We, of course, understand our insured's

disappointment that the claim was uncovered, however the facts as we have them do not allow

for us to provide coverage.

In regards to the billing concerns for the auto premium questioned, we found the following. The

applications that were signed by the insured showed an auto premium of $1065 annually

($88.75/month). The first bill that was due for $114.60 included the entire package premium

(auto, home and umbrella).

The policy was cancelled effective 11/2/2013 for non-payment of premium. Neither West Bend,

nor the agency received a signed cancellation request from the insured to cancel the policy in

July. As a result, we continued billings to the insured. However, it has been confirmed with the

accounting department, after the cancellation was processed on 11/2/13, there is no premium

currently due on the account and the policy was never sent to collections.

If you have any questions please let me know.

Sincerely,

I had a good experience with my claim for a Prius. West Bend kept me informed and it was easy to utilize a rental company. I had very little disruption because I used a company that was an approved body shop that was also allowed to do appraisals.

Review: First of all, let’s get down to the facts of my claim. My Business suffered a loss due to a storm that allowed water to enter my building due to a storm drain that failed. This happened on Saturday, June 29, I called into the claims department right away. They advised to do what I can to minimize the damage done from the storm. We did what was told and advised that an Adjuster would come out and see the damage first hand. I was told that the Adjuster should be there by 24-48 business hours after the event. The Adjuster finally arrived on Thursday, July 4 at 9:30 am, well over the allotted time said that they would be there. Furthermore my doors of my business had to be closed due to the damage done by the storm. Before the Adjustor arrived at my property (July 3), I received a letter from West Bend (dated July 2) advising me what they are not going to cover even before the Insurance Company Adjustor arrives. I like to call this the pre denial letter based on the West Bend advising me what was reported and that they did not want to pay from day one. The Adjuster arrives and sends the report back to West Bend. His findings which are very clear and very descriptive how the damage occurred were sent in this report. Weeks and months go by and we are still dealing with a claim that should have been resolved with payment. The Adjustor discovered the cause of the claim and documented his findings to West Bend, however West Bend has refused to read the report in its full entirety. Again, the Adjustor who was hired by West Bend gave his expert conclusion how the damage occurred and West Bend are not using his findings in our Insurance Claim. I would like to know, if another representative of West Bend, Insurance agent, or Adjustor has came to my Business and what they found in their report that West Bend Claims is using not the report that was done on July 4, 2013?

My Business has suffered with the damage done to our property. We have lost a substantial amount of Business and what concerns me the most is the lack of urgency and responsibility that West Bend has failed to do. Looking at “Silver Lining” foundation of this company, I feel that we have not noticed the following and I quote, “At the core of everything we do lies a simple premise. A sincere desire to help our customers through problems and adversity. To make sure that positives come from negative situations. To step up when you need us. To do the right thing.”Desired Settlement: I would like West Bend to replace my damage floor and cover the loss business that I have had since the storm.

Business

Response:

October 21,2013

Revdex.com of Wisconsin

Bradley ***

Dear Mr. ***,

I am writing in regard to the above referenced claim.

A heavy rainstorm caused water to back up around a damaged downspout to storm drain. The

water then flowed on the surface of the ground through an emergency exit door on the building

causing interior water damages to the

flooring.

This claim was reported on Saturday June 29 and assigned Monday July I. The adjuster left a

message for the insured on July I and finally touched base with the insured on July 2nd

• After obtaining the facts of the loss from the insured, the adjuster informed the insured of the potential

coverage issue and a Reservation of Rights letter was sent to the insured outlining the coverage

issue. The insured was also told an independent adjuster would be out to inspect the property and

confirm the cause of loss.

The independent adjuster inspected the loss on July 4 and confirmed the cause of loss.

Inspection of the loss revealed the source of the water was from a downspout that emptied into a

storm drain that had failed. It was noted that the connection between the downspout and the

drain had been damaged and caused water to gather on the ground directly outside of the

emergency exit door. A substantial amount of water had entered the building under the

emergency exit door located on the right elevation near the front comer.

The policy with West Bend Mutual Insurance provides coverage under Causes of Loss - Special

Form. Form number CPI 030 edition date 04/02. This form states the following:

B. Exclusions

I. We will not pay for loss or damage caused directly or indirectly by any of the

following. Such loss or damage is excluded regardless of any other cause or event

that contributes concurrently or in any sequence to the loss.

g. Water

(1) Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or

their spray, all whether driven by wind or not;

(2) Mudslide or mudflow;

(3) Water that backs up or overflows from a sewer, drain or sump; or

(4) Water under the ground surface pressing on, or flowing or seeping through:

(a) Foundations, walls, floors or paved surfaces;

(b) Basements, whether paved or not; or

(c) Doors, windows or other openings.

But if Water, as described in g.(I) through g.(4) above, results in fire, explosion or

sprinkler leakage, we will pay for the loss or damage caused by that fire, explosion or sprinkler

leakage.

Damages caused by surface water are excluded per the cited language above and West Bend

Mutual Insurance is unable to pay for these damages ..

Sincerely,

Business

Response:

October 21,2013

Revdex.com of Wisconsin

Bradley ***

Dear Mr. ***,

I am writing in regard to the above referenced claim.

A heavy rainstorm caused water to back up around a damaged downspout to storm drain. The

water then flowed on the surface of the ground through an emergency exit door on the building

causing interior water damages to the

flooring.

This claim was reported on Saturday June 29 and assigned Monday July I. The adjuster left a

message for the insured on July I and finally touched base with the insured on July 2nd

• After obtaining the facts of the loss from the insured, the adjuster informed the insured of the potential

coverage issue and a Reservation of Rights letter was sent to the insured outlining the coverage

issue. The insured was also told an independent adjuster would be out to inspect the property and

confirm the cause of loss.

The independent adjuster inspected the loss on July 4 and confirmed the cause of loss.

Inspection of the loss revealed the source of the water was from a downspout that emptied into a

storm drain that had failed. It was noted that the connection between the downspout and the

drain had been damaged and caused water to gather on the ground directly outside of the

emergency exit door. A substantial amount of water had entered the building under the

emergency exit door located on the right elevation near the front comer.

The policy with West Bend Mutual Insurance provides coverage under Causes of Loss - Special

Form. Form number CPI 030 edition date 04/02. This form states the following:

B. Exclusions

I. We will not pay for loss or damage caused directly or indirectly by any of the

following. Such loss or damage is excluded regardless of any other cause or event

that contributes concurrently or in any sequence to the loss.

g. Water

(1) Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or

their spray, all whether driven by wind or not;

(2) Mudslide or mudflow;

(3) Water that backs up or overflows from a sewer, drain or sump; or

(4) Water under the ground surface pressing on, or flowing or seeping through:

(a) Foundations, walls, floors or paved surfaces;

(b) Basements, whether paved or not; or

(c) Doors, windows or other openings.

But if Water, as described in g.(I) through g.(4) above, results in fire, explosion or

sprinkler leakage, we will pay for the loss or damage caused by that fire, explosion or sprinkler

leakage.

Damages caused by surface water are excluded per the cited language above and West Bend

Mutual Insurance is unable to pay for these damages ..

Sincerely,

Business

Response:

Dear Mr. ***,

I am writing in regard to the above referenced claim.

A heavy rainstorm caused water to back up around a damaged downspout to storm drain. The

water then flowed on the surface of the ground through an emergency exit door on the building

causing interior water damages to the flooring.

We have checked with legal counsel and instances in which water from rain combines with

discharge on the ground from a gutter/downspout system or which is prevented from entering

a blocked or overtaxed sewer or drain still remains surface water.

West Bend Mutual Insurance is unable to pay for the damage to the flooring as it resulted from

surface water and this type of loss is excluded as cited in our previous correspondence.

Sincerely,

Business

Response:

Dear Mr. ***,

I am writing in regard to the above referenced claim.

A heavy rainstorm caused water to back up around a damaged downspout to storm drain. The

water then flowed on the surface of the ground through an emergency exit door on the building

causing interior water damages to the flooring.

We have checked with legal counsel and instances in which water from rain combines with

discharge on the ground from a gutter/downspout system or which is prevented from entering

a blocked or overtaxed sewer or drain still remains surface water.

West Bend Mutual Insurance is unable to pay for the damage to the flooring as it resulted from

surface water and this type of loss is excluded as cited in our previous correspondence.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Dear Mr. ***:

Review: On February 13th my mechanic crashed my 2001 Audi S4 he is covered by West Bend Mutual. The insurance company did an evaluation of the car and determined that it was a total loss. My concern is that my car is not a stock car and it has had over $13,387.09 in work and modifications put into it in the past year. While I did not expect to be reimbursed for labor I was expecting to be compensated for the new parts that were put into the car so I could buy something that was comparable to my car. I was also skeptical of the market analysis that was done by West Bend Mutual. There is a different market for modified cars versus stock cars and they did not take this into consideration during their analysis. I had an independent analysis done by Auto Appraisal Group on March 6th. They determined that the total loss value of my Audi was $16,120. West Bend did not take this into consideration and determined my car's total loss value was $10,035.Desired Settlement: While I had all documentation stating what was done to my vehicle to raise its value I was still not provided enough to purchase a reasonably similar S4. I would like the remaining $6,085 and I would like West Bend to change their appraisal tactics for modified vehicles so other people are not put into this situation.

Business

Response:

This complaint involved a dispute of the value of the complainant's vehicle.

During the investigation of this claim, we determined our policyholder was in an accident while test

driving Mr. ***'s vehicle. The amount of damage to the vehicle rendered it a total loss. Our valuation

research included all aspects of the vehicle including its options and modifications. We determined a fair

and accurate valuation of Mr. ***'s vehicle and offered him that amount. We reached a settlement

agreement with the complainant prior to our receipt of this complaint. Our payment has been issued and

this matter has been closed.

Business

Response:

We regret the complainant disagrees with the value of his vehicle, however, we have set forth, in

previous responses, our position in this matter and our rationale for that position. We will offer no

further payment to the complainant for this loss.

Consumer

Response:

Review: I was involved in an automobile accident whose insurance carrier is West Bend. I called the police to document the event. I have received an incident report, accident report and property damage estimate for my car. I was struck by Mr. *** that was turning left from a right hand turn lane only into oncoming traffic. Mr. *** than attempted to flee without success. I notified his insurance company immediately. The usual tactics that we all hear about is now happening to me --- phone calls not returned, estimates from subject matter experts questoned, misleading and inaccurate written correspondance received via US Mail. I want this settled and my car repaired to the original condition. The fender on my car was not aftermarket rather Toyota. When I bought my Toyota, I had four flawlwss hubcaps, not one smashed and the other missing.

I have had pneumonia and have been in and out of the hospital over the last several weeks and do not need this aggrevation.

The case # is: *** and *** is the point of contact ###-###-####.

The accident occured in *** on July 31, 2013 at approximately 5:40 pm on ***. Mr. *** was exiting from the *** parking lot turning south (left) onto ***. I had witnesses in the car with me at the time of the accident.Desired Settlement: To be paid for the damages caused to my car by West Bend's client --- $ 1643.01.

The case # is: *** and *** is the point of contact ###-###-####.

Business

Response:

September 3,2013

Revdex.com of Wisconsin

Attn: ***

Dear Mr. ***:

This claim was reported to us on August 1, 2013, and assigned to Claim Representative, ***

***. *** promptly attempted to contact Ms. *** on August 1 and August 2

leaving return call messages and she also mailed a call request on August 2. While *** was

out of the office the week of August 4, she received a voice message from the complainant on

August 6. Although ***'s voice message informed Ms. *** she was out of the office

until August 12 and provided an alternate person to contact; no additional calls were received

from Ms. ***. On August 12, *** left another return call message and was finally able

to make contact with Ms *** on August 13.

During the conversation of August 13, Ms. ***'s claim and her damages were discussed.

Ms. *** did not agree with our damage offer and she informed us she had retained an

attorney. Ms. *** refused to provide us with the name of her attorney and ended the

conversation. We attempted to gather Ms. ***'s attorney's contact information but it was

not until August 29 when Ms. *** contacted us informing us she did not, in fact, have an

attorney. At that time, we further discussed Ms. ***'s claim and came to an agreement to

resolve her claim. Our payment to Ms. *** was issued on August 30.

If you have any questions, you may contact the file handler, ***, directly at ###-###-####.

Review: On 12/3/15 my wife took our van to *** in *** to have 4 new tires installed, and an alignment. The manager tells my wife that when the employee closed the hood, it somehow punctured a hole in the AC condenser, and it was blowing fluid everywhere in the service causing the damage when they slammed it closed. The hood latch was definitely NOT bent before we went in there. No fluid was leaking BEFORE we went there. We had to tow the vehicle to a dealership for repair. An employee at the dealership stated that most likely the damage was from something (tool) being in the hood area when the hood was slammed, causing the puncture. *** store turned this over to their insurance co, West Bend Insurance. The claims agent at West Bend has been uncooperative and rude from the beginning. Does not want to answer questions, and is stating the store manager looked at video footage of the repair area the night of the incident, and did not see any proof of negligence on their part., therefore they will not move forward with the claim. There were absolutely NO issues with the van when we entered the store, and we had to tow it out of there. Obviously, SOMETHING happened to cause the damage in the brief time it was in their possession.Desired Settlement: I want Wend Bend Insurance to pay for my towing, and the cost of my repair.

Business

Response:

Dear Mr. ***.On November I l, 2015, Mr. *** brought his 2010 Chrysler

Town & Country into our insured's store for the purchase and installation

of four new tires. As part of their service, *** checks the

condition of batteries for their customers.*** videos the work of their technicians to

verify that they are following the required procedures +e repairing vehicles.

In this instance, the video documents the technician opening the hood on the

vehicle and then setting the support rod located on the passenger side of the

vehicle. The technician then retrieved the battery tester, returns to the

vehicle, and then tests the battery, which is located on the front driver's

side of the vehicle. The technician then picks up the battery tester, returns

it to the and returns the front passenger

side of the vehicle and closes the hood.After the technician completed the tire change, he started

the vehicle to move it to the alignment rack when he noticed there was liquid

coming up on the windshield. Upon inspection, he found that the condenser was

leaking and it appeared to him that there was an ongoing problem with the

hood's safety latch causing damage to the condenser.The video documents that the technician did not do any work

near the damaged condenser, which is located in the front of the engine

compartment in the center of the vehicle. The video also documents that the

technician did not use any hand tools during the period that the hood was open

so the allegation that he left a tool under the hood is unfounded.It is our position of our insured and our company that

the technician did not do improper that have caused the damage to the

condenser and as such, our insured is not responsible for the cost to replace

the condenser.

Business

Response:

This will acknowledge receipt of your follow e-mail

regarding Mr. ***'s addition concerns.As we stated

previously, the video documents that the technician did not do any work near

the damaged condenser. In addition, we find nothing to support the allegations

that the employee may have deleted a portion the video or that, our insured's

are covering something up to avoid paying Mr. ***.While it is true that the

condenser failed while Mr. ***'s vehicle was in our care, they did not do

anything to cause the failure to occur. It is our insured's position that the

damage to the condenser was pre-existing and that failure just happened to have

occurred while the vehicle was in their shop.

Consumer

Response:

We recently became customers of West Bend through a new small business (Shine Insurance of Bloomington, IN). Had not heard of the company before that. Have not had a claim in 10 years, but a deer ruined that track record, and I cannot say enough about the quality of the customer service and claims process at West Bend. Was simple, took the hastle out of dealing with anything other than getting a quote from a collision center.

Review: An initial claim was placed with my insurance company due to water damage, throughout the entire claim process my adjuster *** from West Bend Mutual was told that the cause of the problem was partially cause by our soffit vents being covered and improper installation of insulation by a contractor.We had a company come out and do the work that was estimated my Mr. *** however, six months later we are now having more water issues. I have contacted Mr. *** and also the contractor to find out why this is happening, upon the contractor coming out we were made aware that the soffit vents were never cleared of the original insulation (the main cause of concern from the original claim) causing inadequate ventilation to our attic causing more damage. The contractor states that this was never on their original estimate from west bend to clear out the soffit vents (overhang of the house) when Mr. *** was questioned about this all I was told was that I would have to place another claim on my policy to fix the current damages, I stated that since he knew that that soffit vents were covered during the original claim, why was this not on the estimate to be fixed? All I keep being told is that I will have to place another claim. The original damage was no fault of mine (there is currently an outstanding complaint with you in regards to this, and I now feel that West Bend is not willing to fix their error in retaliation for me filing said complaint).Desired Settlement: West bend should cover the repairs that should have been included on the original claim and fix the current damages to my home at no charge to me.

Business

Response:

The complainant presented a claim on July 28,2014 for water damage to the interior ofher home that resulted from moisture build up in the attic due to improper ventilation.During the claims process, we informed the customer her policy covers the resultingdamage to the home, but it would be her responsibility to make any necessary correctionsto alleviate future problems and this cost would not be covered by her policy.The claim was investigated, adjusted and paid in accordance with the terms of theinsurance policy.In March of 2015, the complainant informed us that she again had ice damming andmoisture built up in her attic. We advised the customer this new damage would again becovered under her policy and a new claim could be set up, as this would be considered asanother occurrence.If the complainant decides to proceed with the second claim, the water damage would becovered under the policy but she would again be responsible for making any necessarycorrections to her home that may be causing the water infiltration.

Business

Response:

This is in response to the complainant's most recent correspondence forwarded to usunder cover of yours dated March 30, 2015.The initial damage we inspected was the result of condensation due to an improperlyvented attic. We paid to remove the wet insulation and install new insulation and alsotake care of the resulting interior damage caused by the condensation in the attic. Afterrepairs were completed , the complainant's contractor found soffit vents had insulationpartially covering them. It is not known whether this insulation was a result of workperformed by the contractor that insulated the attic or the repair contractor who attendedto the condensation damage. Regardless, West Bend's responsibility is to pay fordamage covered by the policy. We are not responsible for the supervision of contractorsor the quality of work they perform.The complainant was told at the initial inspection that necessary corrections to properlyventilate the attic would not be covered under her policy. West Bend does not have anobligation under the policy to diagnose or pay costs to rectify the ventilation problem .We have offered to consider the new damage from the second incident as a separateclaim. The complainant remains unwilling to handle the damage as a separate claim.

Consumer

Response:

This company is the worst insurance I have ever had, my agent would not help with a claim and West Bend payed yes I said payed someone to come out to give an estimate on storm damage. Well there was no damage caused by the storm,it was my fault,so thats how this company gets out of paying for damage. I also was told there was worst damage in other areas.
I canceled the policy before its due date and there were so many service charges on the bill. They don't tell you what all these charges are for, I am just going to pay it and be done with this company.
One last thing the longer you are with this company the higher your premium will be, mine kept doubling.

Review: On April 9th 2015 there was a major hail storm in Cassville, Wisconsin. My home was damaged by the hail, West Bend's adjuster came out and meet with me and my contractor. The adjuster admitted that I had hail damage on my home's siding and roof. Yet would only cover a few of the window wraps for the damage. Yet the aluminum siding was damaged from it.

The fact that West Bend Mutual Insurance Company own independent report from when I bought the house states there was no prior hail damage on the house, Should be enough. I provided hi resolution pictures from when I bought the house to show their was no prior hail damage to it before I bought the house. Only to be denied the adjuster and his supervisors. My claim on the siding for my house is valid and I am very upset that it is not even being covered! I was paid for the window wraps that were damaged from it so they could be repaired; Yet the siding is somehow not covered! I have been a customer with West Bend for over 10 years and this is how I am treated. I have multiple contractors from different companies telling me that it should be cover and I have received their expert opinions. Yet somehow I should trust the work of West Bend's agents when they will not even use their own independent report that was done by them when they insured my home. If by any chance you can clear this up. That would be great, but until then I will make sure everyone knows about how I am treated by your company. I have many people following me online that want to know how this turns out for me. I have even been interviewed by the local news about my house. They are very interested in seeing how this goes for me. The repair/replacement of the aluminum siding that was damaged should have been covered.? Instead I am expected to live with it. And the fact that I am sure they have now added a rider on my policy for the current hail damage. So nothing in the future is cover until the damage from the April storm is replaced.Desired Settlement: I want West Bend to cover the damage from the storm and replace the damaged siding on my home. Then also cover any damage for my metal roof since they found hail damage on it also. I want the coverage that I have been paying for.

Business

Response:

Please accept this as our response to the complaint we received on July 9, 2015.THE SILVER LlNING ®On April 29, 2015, we received a claim for hail damage to the complainant's property. Our claimrepresentatives inspected the complainant's camper and home. Hail damage was found on the camper, aswell as window wraps and fascia on the home. Subsequently, our payment reflecting the cost of repairsfor the damage covered by the policy, less the deductible, was sent to the complainant.It is our position that additional damage to the roof and siding is not covered by the policy.

Business

Response:

Please accept this as our response to the complainant's most recent objection to our handling of hisclaim.Insurance contracts generally have formal processes for dispute resolution. Our contract specificallymakes available an appraisal process. We've informed the customer of his right to engage in thatprocess. Aside from that process we consider this matter closed ..

Consumer

Response:

Review: I had insurance for a short time with West Bend mutual insurance. I cancelled my insurance on 4/20/15 West bend took out a payment from my account on 5/15/15 of the amount of $162.96.West Bend also took out a payment for the amount of 177.75 on 4/15/15I only had this insurance for 4 months this was house and auto insurance. The reason I cancelled was because the raised our premium two months after we took out the policy. They wanted to insure our home for way more the the home is worth and doing so raised our premium and then didn't want to lower back down. Somethings not right about that.But they only refunded me a $124.28 I called both the insurance agent and west bend but no one could or would help me on this matter. I know its a small amount of money but we (my husband and I )he's name is *** live on a fixed income of social securty The policy number with West Bend is HHE ***I would appreciate any help you can give to this matter.Desired Settlement: Just want to get the whole refund that is due to us that's all.

Business

Response:

We have looked into this account and have found that the signed cancellation request was norreceived in our office until 5/ 18/ 15. This account was set up on automatic monthly EFTwithdrawals and since the required documentation to cancel a policy was not received until 5/18/15the automatic EFT withdrawal was drafted on 5/15/15. A schedule of future withdrawals wascommunicated to the insured prior to withdrawal.We understand the frustration you have experienced with the changes to your policy that were madeafter the policy was issued. Our policy requires that we insure homes at the full replacement cost sothat you are covered in the event of a loss. After inspection of your home, the results showed thereplacement cost was materially higher than originally submitted by your agent. Thus the reason forthe increase in premium. I have asked our accounting department to compile a detailed breakdownpertaining to your billing questions. This will be in the mail shortly. We appreciate the contact andhope this satisfies your request.

Business

Response:

We had further conversations with the insured directly related to this matter. We wanted to be sureall of the insured's concerns and questions were answered to minimize any additional confusionrelated to the timeline of events. The insured and West Bend agree that this matter has beenresolved.

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 ***, and find that this resolution is satisfactory to me. West Bend contacted me by phone an told me that they had mailed out a check to repay the money that they had taken out of my checking account. As of this date I have yet to receive it. But they assured me the check was in the mail. Thank you so much for all your help. I am so glad that Revdex.com was there .Sincerely

Review: I was in a incident where someone said that I hit there car. I notified the insurance company before hand, thinking that they would take control in helping the situation and get everything resolved and to find out almost a year later from a difference insurance company that they paid out damages and without my knowledge. My thing is I told the insurance company I did not hit the other car and my insurance company did one not only assess any damages done to my car or there car or take anything of what I said into consideration. Last but not least letting me know anything when I should of been involved.Desired Settlement: To be mailed a letter from the company saying that I am free and clear of any accidents.

Business

Response:

This claim was reported to us on July 4, 2014 and assigned to a Claims representative forinvestigation.During our investigation, we contacted the parties involved and obtained their respective accountsof the incident. We a lso gathered photographic evidence of the claimed damage from the adverseparty.After a review of all the evidence. we determined our insured driver was responsible for theclaimed damage and we handled the claim according to the terms of the insuring agreement of thepolicy in force at the time of the loss.

Business

Response:

This is in response to the complainant's most recent correspondence forwarded to us under coverof yours dated March 25, 2015.Both claims and underwriting management have reviewed this matter. We do feel ourinvestigation led to the correct result. However, we also recognize that the complainant isdissatisfied with both the level of communication and the outcome of the claim. Since this was arelatively minor incident and the facts are disputed, we have decided to change our policy recordto show this incident as a not at fault accident.

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 ***, and find that this resolution is satisfactory to me.

Review: I sustained storm damage to my house on 5/31/13. I filed a claim (***) and was put in contacted with Claims Representative ***. An estimator (***) from *** came out and surveyed the damage. The damage from hail and wind was to the roof, front siding, all gutters and downspouts, interior bedroom ceiling and front window screens. The estimator then said he would send me the estimate so that I could get with my contractors to come to an agreed upon price of repairs. Over the next month and a half neither myself or my contractors could get into contact with the estimator to get the estimate and negotiate a repair price. The only contact I could get from the estimator was him saying my contractors were too high and they had to come down. He would not tell me what too high was or provide me with the number/break down of the estimate so we had a place to start. I then made several calls to *** stating these concerns. After several weeks he was able to finally get me a copy of the estimate. I was finally able to get this to my contractors in order for them to attempt negotiations on the price of repairs. During this time it was discovered that the color of siding that is on my house is no longer made or available. A sample of the siding was sent off to *** who confirmed via testing that this color is no longer available. A copy of this report was provided to ***. Since I can not get replacement siding of the same color, I had requested that the whole house be resided with matching siding. I made this request for several reasons. I do not want my house to look tacky and garish be being multicolored. I have concerns with this bringing down my property value and also those of my neighbors. I also do not want to anger my neighbors by having my house be an eye sore in an otherwise very nice estate. I was the basically told by *** that they would only reside the front and that having a mismatched house is my problem and not theirs. I made contact with my insurance agent, *** with *** ***, stating my displeasure with this situation. She made contact with West Bend and was told the same thing, that they would only reside the front and don't care if it's the same color as the rest of the house or not. My chosen contractor, *** ***, also made contact with *** receiving the same answer. I find this to be highly unacceptable that I am expected to have a garish looking house due to the replacement siding not being able to match the existing siding. I have made good faith attempts at trying to find similar siding via multiple suppliers and ultimately through the *** analysis. From talking to several contractors and my insurance agents I have been informed that when this situation arises, the whole house is resided. I also can't believe that this is standard procedure to have multi-colored houses as they would be seen everywhere if this was the industry practice.Desired Settlement: I would like for West Bend to reside the entire house in siding of the same color.

Business

Response:

Mr. ***

Revdex.com of Wisconsin

Your ID Number: ***

Complainant: ***

Dear Mr. ***:

This complaint arises out of a dispute over a matching issue on the insured's damaged

vinyl siding. The claim was submitted for hail damage to the dwelling. West Bend

Mutual insurance hired *** to inspect the insured's dwelling and

prepare a scope and estimate of damage. The damage included the insured's roof,

gutters, downspouts, some window screens, some interior water damage and vinyl

siding on the south side of the dwelling.

*** created a scope and estimate of repair that included the

entire roof, the damaged gutters, downspouts, window screens, interior water damage

and only the south side of the dwelling. The siding on the insured's dwelling is faded

and the new siding will not match the siding on the balance of the dwelling. A sample of

the insured's siding was sent to *** for purposes of determining if a match could be

located. The report advised the siding is available, only not in the color on the insured's

dwelling.

The policy of insurance form HO 00 03 (01 07) Loss settlement states,

"C. Loss Settlement. The Blanket Property Limit shown on the Declarations is "our"

total limit of liability for anyone loss involving any combination of

the Section I - Property Coverages A, B, C and D including any Additional Coverages

under Section I. Individual Covered Property losses for Section I -

Property Coverages A, B, C and D are settled as follows:

1. For Coverage A - Dwelling, "we" will pay the cost to repair or replace without

deduction for depreciation, but not more than the least of the following amounts:

a. The replacement cost of that part of the dwelling damaged with material

of like kind and quality and for like use. If the dwelling is rebuilt at a new

premises, the cost described in this item a. is limited to the cost which

would have been incurred if the dwelling had been rebuilt at the original

premises; or

b. The necessary amount actually spent to repair or replace the damaged

dwelling; or

c. The Coverage A - Dwelling limit shown on the Declarations;"

At this time, we have issued the actual cash value of the total damages, less the

insured's deductible. Our payment in the amount was made payable to the insured and

the lienholder.

The insured is able to recover additional sums if the damaged property is repaired or

replaced. The payment is based off the loss settlement language as listed above

stating that we will pay the replacement cost of that part of the dwelling damaged with

material of like kind and quality and for like use.

Should you have further questions or concerns, please feel free to contact ***

***, *** directly at ###-###-####.

Sincerely, -

Consumer

Response:

Review: I submitted my not a fault insurance claim # *** 3 estimates all within $20 of each other plus $900 estimate for diminished value. West Bend denied claim and cut payment to $900. This is not fair practice.Desired Settlement: Send check for $3000.00 for 4 estimates I provided. See attached information.

Business

Response:

This complaint arises from an accident which occurred on November 6, 2014. The complainantasserted the amount offered to repair his vehicle was insufficient and that we denied his claim fordiminution in value of his car.The claim was reported to us on November 7, 2014. We received the police report, whichidentified the complainant, on November 17th. On November 21st, our appraiser met with thecomplainant to inspect his vehicle, and on November 26th, an offer was extended to thecomplainant for the settlement of his claim.Our appraiser contacted two of the three shops that the complainant had submitted estimatesfrom , and both agreed to do the repair for the amount of our estimate. All three of the estimatessubmitted by the complainant included the cost of a new bumper cover. The bumper cover is nolonger available and both shops stated they included it in their estimate at the request of thecomplainant.We reviewed the complainant's claim for diminution in value but the evidence he supplied didnot support his claim. When our appraiser met with the complainant, he showed him evidence ofprior repair work to both the front and rear of the vehicle. We were able to verify that the vehiclewas involved in an accident in 2004 and it was reported that the car sustained front and reardamage. Based on the minor damage from this accident, coupled with the prior damage to thecar, we do not believe there is a basis for a diminution in value claimIn the time since your office received this complaint, we resolved the matter with thecomplainant and secured his release and discharge of any complaints against West Bend.

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 ***, and find that this resolution is satisfactory to me.

Review: My bank paid my house insurance on 3/28/2014. My auto insurance was due on 4/11/2014, I decided to go with a new car insurance carrier on 4/11/2014 so I did not make my insurance premium payment with West Bend Mutual. I thought I notified them but they said I didn't. They continued to send car premium bills for the next few months which I ignored thinking they just still had me in the pipeline. Then I get a notice saying my house insurance was cancelled on 9/20/2014 and they also billed me for car insurance until 9/20/2014 at what point it was cancelled 6 months after I was no longer sending them premium payments. Then they proceeded to take my house insurance payment made on 3/28/2014 and split it in half giving half to my car insurance premium and half to my house insurance premium and did not tell me this for a couple months and also charged me 85 dollars for more car insurance premium and threated to send the 85 dollar amount to collection so I paid that.Desired Settlement: I want them to adjust the billing and either reinstate my house insurance or reimburce me for the remaining policy premium and not to charge me for car insurance 6 months after I was no longer paying premiums and not take this money out of my house insurance premium to pay car insuance and to tell me exactly why I was also charged 85 dollars for extra premium.

Business

Response:

Attn: ***

We are looking into your account and working through this matter. In order for

We've been insured by West Bend for 5 years. Our agent has taken great care of everything during this time. The one claim we had was dealt with quickly and we were able to use the body shop of our choice. Each year that we haven't had a claim we receive a check for 5% of our premium. How many insurance companies send you money?