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Reviews Westfield Insurance Company

Westfield Insurance Company Reviews (12)

(Revdex.com copied from original document)To Whom it May Concern:This complaint involves an insurance policyThis Michigan Personal Injury Protection (PIP) claim was received by Westfield on October 21, The policy of insurance issued by Westfield to its insured provided excess PIP coverageUnder this excess PIP coverage, the insured's health insurance carrier is the primary payer for accident-related medical expensesWestfield's obligation to pay for covered medical expenses arises after these expenses are first submitted and considered or paid by the insured's health insurance carrier.After receiving the Revdex.com letter, Westfield contacted the insured and had a lengthy conversation regarding the unpaid billsWestfield explained that under her policy, medical providers should first submit the bills to her health insurance carrier, with any excess unpaid amounts presentable to WestfieldThe insured understood but advised that she was told by her doctor that Westfield simply denied the bills for payment without explanationTo address this misinformation, Westfield confirmed that while it did deny her bills, it did so with a clear explanation to the doctor (called an "Explanation of Review") instructing her doctor to submit the charges first to her health insurance carrier with a health carrier Explanation of Benefits.During the same conversation, Westfield also explained it had made payment for other outstanding medical bills referenced in her letterThe insured subsequently sent Westfield additional medical bills, allowing Westfield to issue payment for these other billsThe insured expressed thanks for Westfield's efforts, explanation and assistance in working with her to resolution.We trust that Westfield's efforts in talking with the insured, explaining her benefits, and ensuring resolution of her concerns allows you to conclude your investigation into this matterPlease advise if you need anything further or have additional questionsThank you[redacted] ***

(Revdex.com Copied from original documentSee attached.)September 7, VIA E-MAIL ( [redacted] ) [redacted] Investigator and Dispute Resolution Coordinator Revdex.com [redacted] RE: Case ID#: [redacted] Westfield Claim Number: [redacted] Westfield Insured: [redacted] Date of Loss: July 26, Complainant: [redacted] Dear [redacted] : This Ohio insurance claim was received by Westfield on July 29, for claimant’s vehicle damage resulting from an automobile accident with an insured vehicle on July 26, Westfield promptly discussed this claim with both the claimant and the insured driver on July 29, Westfield thoroughly explained the claims process, including the need to perform a complete investigation prior to reaching a resolutionBased on its investigation, including conflicting accounts of the accident from both the claimant and the insured driver as well as the lack of any independent corroborative evidence, Westfield denied the claim in writing on August 2, In that letter, Westfield invited claimant to provide any new information for consideration and reminded claimant of the applicable statute of limitationsAt all times, Westfield has handled this claim fairly and in a timely and prompt mannerWe trust that this information responds to the complaint and allows you to conclude your investigation into this matterPlease advise if you need anything further or have additional questionsThank youJennifer S [redacted] Westfield Insurance [redacted]

Initial Business Response / [redacted] (1000, 5, 2016/02/25) */ We have responded to a complaint made by this individual from the TN Department of Insurance and the OH Department of InsuranceOur position remains unchanged and this issue has been closed by both state Departments of Insurance Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/03/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) An insurance agent should always confirm that an address exists before insuring, it is called research, due diligencePossibly they don't care as long as someone is paying the bill then if there is a claim they do not have to cover itIs it all about the money? I have spent a year trying to get everything wrong on the policy corrected and yet still, the last thing mailed out went to the wrong address! I had to send the Secof State and tax info from CountyThey should look this infoupDo they not have to do anything? What is there responsibility? I agree that the guy who previous paid our bills should have noticed, but the inscoshould have noticed they were insuring a property that didn't exist as wellI agreed to split what we paid over years in half to what seemed to be fair, $10kThey refused stating they would have covered the home??? Really??? They can't even get the address rightThey sent a check for $for the past yearShouldn't that have at least been times for years of service with NO CLAIMSI also made a report with Call For Action in Cincinnati and they have contacted Carl A [redacted] , but he will not return there callsCall For Action has another case with Westfield also in which Carl A [redacted] will not return the callI spoke to an insurance agent here and he said that Westfield should pay back the entire 20k paid over the past years because make no mistake about it, we were not insuredAgain I asked to split it to be fair, we both made errors, but perhaps I should ask for the entire 20kIf I do not receive a refund, I will get an attorney Final Business Response / [redacted] (4000, 9, 2016/03/15) */ (Revdex.com copied from original fileSee attached documents.) Revdex.com West ***et Street Akron, OH Attention: [redacted] Sent by email: [redacted] March 15, RE: Case# [redacted] Dear Ms [redacted] : We have provided you with our response, along with the earlier letter to the Department of Insurance which found no fault on our behalf [redacted] paid for and received coverage for the entire period and was fully covered under the terms of the policyMs [redacted] has every right to consult with an attorney, should she choose to do so Sincerely, Renee D [redacted] Senior Corporate Paralegal Legal/Compliance Westfield Insurance Company Final Consumer Response / [redacted] (4200, 11, 2016/03/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Doesn't the insurance company have any responsibility in verifying a property exists before insuring it??? How could you possibly have come up with a dollar amount when the street you had listed does not even exist in that cityWhy wouldn't you go to the auditors website and verify the property existed along with the age, square feet, etcThere is no excuseThis should have been straightened out years ago and you should have contacted by [redacted] via phoneI do not believe you would have covered us if there was an issue at the property whatever it wasYou sent us a check for $which was the difference for last year when in actuality it should have been for the past yearsI am sure you have Error and Omissions insurance which should cover this as the insurance states.....Alleged or actual negligence Errors and omissions insurance coverage is strongly recommended to protect your business from claims alleging negligence from your professional services including failing in your "duty of care", giving incorrect advice or making mistakes You should at least admit that no due diligence was done on our property ever to make sure it existedThus you need to at least pay back the $x years ***

Initial Business Response /* (1000, 5, 2015/11/24) */
We are in receipt of the complaint from Mr*** *** regarding the non-renewal of his commercial insurance policyThe decision by Westfield Insurance to non-renew this insured's commercial policy was in accordance with Ohio lawAfter
analyzing the account history, we found that the customer had two large claims within the first term of his insurance, which resulted in a loss ratio on the account of over 1,000%; well outside of our commercial business underwriting standards
Despite Mr***'s assertions, Westfield Insurance is financially soundAs a regulated insurance company, Westfield annually submits certified financial statements to the Ohio Department of InsuranceThese filed statements are publicly accessibleWe trust this adequately responds to your inquiryOf course, should Mr*** still have concerns, he has the right to file a formal complaint with the Ohio Department of Insurance for evaluation and assessment
Initial Consumer Rebuttal /* (3000, 7, 2015/11/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
That is a terrible answerThey left out I have been with them for awhile paying and when needed they are not thereI guess Ohio law does not help a North Carolina based businessDon't worry Westfield I have found several othe carriers for your replacement that is even cheaperYou guys suckI will let everybody know including the dealer network of over dealers that signed ion with you years ago how you treat paying customersGood luck ***

In response to the complaint against Westfield InsuranceThere were several recorded conversations and settlement responses to Westfield InsuranceUpon my receipt of the letter from Revdex.com, I noticed the response from WestfieldInsurance and they advise I was made aware of the NC General Statue of LimitationsA settlement offer was extended to Westfield Insurance on November 8, to Susan B***On November 10, Westfield Insurance sent their response and denied my offer without advising me how they calculated on the settlement offerThere were several other settlement request and Westfield Insurance refuse to compensate me according to the NC General Statue for bodily injuriesThey found it necessary to advise the NC General Statue of limitations had expired.Westfield Insurance abandoned their position during the settlement, and refuse to process the claim for settlement according to the NC General Statue for bodily injuries.My request is for Westfield Insurance to reopen the case and proceed with the settlementAll settlement information was submitted prior to the NC General Statue expired.Please be advised that I am still up under doctor's care as I have advised Westfield Insurance that I have not been released.Please feel free to contact me if additional information is needed

(Revdex.com Copied from original documentSee Attached file.)February 17, Sent via email to *** *** *** Investigator & Dispute Resolution Coordinator Dear Ms***, Thank you for the opportunity to reply to Ms***’s
concernsI’m sorry that her experience with Westfield was so challengingIt seems there might have been some confusion as to what happens when a payment is received after the due dateMs***’s auto policy with us was effective on October 27, When her payment had not been received by the due date of November 15, 2016, it became past dueLater, on December 1, 2016, a direct notice of cancellation was mailed to Ms*** and a late fee was applied to her accountThe noticed stated that the policy would cancel on December 17, at 12:a.mif payment had not been received on or before that dateAlthough the policy would cancel for non-payment on the date mentioned in the direct notice of cancellation, we do need a signature to cancel the policy with a different effective date or for any other reasonThe invoice that had been mailed to the customer was for coverage that had been provided from her effective date until the date the policy had cancelled for non-paymentI have reviewed the current status of Ms***’s policy and I can confirm we have cancelled the policy back to the effective date of November 11, On February 15, 2017, Ms*** called our customer care center and advised she would be sending a cashier check for the remaining premium dueIf there are any further questions or concerns, I would gladly work directly with her to reach further resolutionI can be reached by phone at ***, extension *** or by email:*** Sincerely, Tiffany G*** Customer Service Specialist Westfield Insurance

Initial Business Response /* (1000, 5, 2015/11/02) */
Our file reflects that on Octwe initiated the process to send Mr*** a refund in the amount of $Since your inquiry to us is also dated Oct22, we will assume that Mr*** should now have that refund and that this should
resolve this matterIf that is not the case, please feel free to contact us again
Initial Consumer Rebuttal /* (3000, 7, 2015/11/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I believe what they did is wrong and I don't want to see it happen to anyone else

This letter is in response to Complainant’s supplemental complaint. The statute of limitations expired on Complainant’s claim on November 20, 2017. No action was taken by Complainant to protect the statute of limitations despite Westfield’s repeated reminders of the approaching statute. As such, Complainant does not have a claim for which Westfield’s insured is legally liable and therefore Westfield is unable to reopen the case. We trust that this response allows you to conclude your investigation into this matterPlease advise if you need anything further or have additional questionsThank you. Thank you,Eric * E***, ***.Claim Compliance Leader
*** *** *** * *** *** *** * *** *** *** ***
* *** * ***
***

(Revdex.com copied from original document)To Whom it May Concern:This complaint involves an insurance policy. This Michigan Personal Injury Protection (PIP) claim was received by Westfield on October 21, 2016. The policy of insurance issued by Westfield to its insured provided excess PIP coverage. Under...

this excess PIP coverage, the insured's health insurance carrier is the primary payer for accident-related  medical expenses. Westfield's obligation to pay for covered medical expenses arises after these expenses are first submitted and considered or paid by the insured's health insurance carrier.After receiving the Revdex.com letter, Westfield contacted the insured and had a lengthy conversation regarding the unpaid bills. Westfield explained that under her policy, medical providers should first submit the bills to her health insurance carrier, with any excess unpaid amounts presentable to Westfield. The insured understood but advised that she was told by her doctor that Westfield simply denied the bills for payment without explanation. To address this misinformation, Westfield confirmed that while it did deny her bills, it did so with a clear explanation to the doctor (called an "Explanation of Review") instructing her doctor to submit the charges first to her health insurance carrier with a health carrier Explanation of Benefits.During the same conversation, Westfield also explained it had made payment for other outstanding medical bills referenced in her letter. The insured subsequently sent Westfield additional medical bills, allowing Westfield to issue payment for these other bills. The insured expressed thanks for Westfield's efforts, explanation and assistance in working with her to resolution.We trust that Westfield's efforts in talking with the insured, explaining her benefits, and ensuring resolution of her concerns allows you to conclude your investigation into this matter. Please advise if you need anything further or have additional questions. Thank you.[redacted]

(Revdex.com Copied from original document. See attached.)September 7, 2016 VIA E-MAIL ([redacted] Investigator and Dispute Resolution Coordinator Revdex.com [redacted]
RE: Case ID#: [redacted] Westfield Claim Number: [redacted] Westfield...

Insured: [redacted] Date of Loss: July 26, 2016 Complainant: [redacted] Dear [redacted]: This Ohio insurance claim was received by Westfield on July 29, 2016 for claimant’s vehicle damage resulting from an automobile accident with an insured vehicle on July 26, 2016. Westfield promptly discussed this claim with both the claimant and the insured driver on July 29, 2016. Westfield thoroughly explained the claims process, including the need to perform a complete investigation prior to reaching a resolution. Based on its investigation, including conflicting accounts of the accident from both the claimant and the insured driver as well as the lack of any independent corroborative evidence, Westfield denied the claim in writing on August 2, 2016. In that letter, Westfield invited claimant to provide any new information for consideration and reminded claimant of the applicable statute of limitations. At all times, Westfield has handled this claim fairly and in a timely and prompt manner. We trust that this information responds to the complaint and allows you to conclude your investigation into this matter. Please advise if you need anything further or have additional questions. Thank you. Jennifer S[redacted] Westfield Insurance [redacted]

Initial Business Response /* (1000, 5, 2016/04/27) */
CASE ID #[redacted]
This Pennsylvania claim was reported to Westfield on March 11, 2016 for mold and rot damage along the walls in the basement of the insured home. Westfield contacted and spoke with the insured on same date the claim was...

received. Westfield's investigation, including a March 23, 2016 inspection of the home and discussions with the insured, confirmed that the wall covering had rotted and deteriorated due to repeated exposure to moisture penetrating the basement walls over an extended period of time.
The insured's policy with Westfield specifically excludes loss or damage caused by mold or rot, as well as loss caused by water below the surface of the ground which seeps or leaks through foundation or walls. Since the loss is specifically excluded and is not otherwise covered in the policy, Westfield verbally advised the insured that it would be unable to afford coverage for his loss. Westfield also sent the insured a letter on April 5, 2016, explaining this and including all pertinent policy language. Westfield recently spoke with the insured on April 12, 2016 and again explained the applicable policy language and exclusions. Westfield further advised the insured to provide any additional information about the loss.
At all times, Westfield and its adjusters handled the insured's claim fairly and pursuant to the language in the insured's policy with Westfield. We trust that this information responds to the complaint and allows you to conclude your investigation into this matter. Please advise if you need anything further or have additional questions. Thank you.
Initial Consumer Rebuttal /* (3000, 7, 2016/04/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am a 90% disabled vet. suffering from PTSD. Three times they called me and upset me and caused me emotional distress. Indicating that I was stupid not to know that exclusions in policy against water damage. I just paid my annual premium on home and cars. I saw a page that said mold covered. No where on that paper did it say exclusions. One page has a bunch of letters, numbers and dates on it. That is what they say is the exclusion page. How would I or any customer know this is how they tell you about exclusions. I would say this is insurance fraud by the company. They don't send you complete policy every year according to them. I pay the whole bill every year or I am not covered. Call an agent on the phone and buy a policy. See if he tells you anything about exclusions. No they will send you a bill or take credit card info. and mail you the policy. But if you file a claim you are treated like a complete it. Adjusters letter also indicated they would not pay for sewer or drainage bac-up. But it clearly shows on my policy I paid them $34.00 per year for that coverage. I also notified adjuster that I had a sewer back-up a few years prior to this but he said it wasn't covered. Told him about electric company had a pole that snapped off and lifted the roof on that end of the house. They sent an adjuster out and filed a claim and they paid it. Or probably electric co. paid for it. I go back to my agent telling me everybody knows insurance doesn't pay for water damage. I ask you how many people know this and how many people our told about exclusions when they sell there policies? I also didn't know or notified in anyway that I could have had adjuster from outside there co. look at my property. Source of that Pa. insurance commission. I would also conclude I am not a plumber or a home builder. So questioning me about source of damage is not applicable. I also conclude that if I had known the way this case was headed I would have had an attorney present. They have on there web site Insurance fraud costs all of us. I would counter insurance companies who take your money for 30 years plus then won't pay a claim is the biggest fraud of all. Thank you for your time and assistance in this matter. I guess it falls under you can't fight city hall. They have your money and all the lawyers and the little guy gets the shaft.

Initial Business Response /* (1000, 5, 2016/02/25) */
We have responded to a complaint made by this individual from the TN Department of Insurance and the OH Department of Insurance. Our position remains unchanged and this issue has been closed by both state Departments of Insurance.
Initial...

Consumer Rebuttal /* (3000, 7, 2016/03/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
An insurance agent should always confirm that an address exists before insuring, it is called research, due diligence. Possibly they don't care as long as someone is paying the bill then if there is a claim they do not have to cover it. Is it all about the money? I have spent a year trying to get everything wrong on the policy corrected and yet still, the last thing mailed out went to the wrong address! I had to send the Sec. of State and tax info from County. They should look this info. up. Do they not have to do anything? What is there responsibility? I agree that the guy who previous paid our bills should have noticed, but the ins. co. should have noticed they were insuring a property that didn't exist as well. I agreed to split what we paid over 20 years in half to what seemed to be fair, $10k. They refused stating they would have covered the home??? Really??? They can't even get the address right. They sent a check for $98.00 for the past year. Shouldn't that have at least been times 20 for 20 years of service with NO CLAIMS. I also made a report with Call For Action in Cincinnati and they have contacted Carl A[redacted], but he will not return there calls. Call For Action has another case with Westfield also in which Carl A[redacted] will not return the call. I spoke to an insurance agent here and he said that Westfield should pay back the entire 20k paid over the past 20 years because make no mistake about it, we were not insured. Again I asked to split it to be fair, we both made errors, but perhaps I should ask for the entire 20k. If I do not receive a refund, I will get an attorney.
Final Business Response /* (4000, 9, 2016/03/15) */
(Revdex.com copied from original file. See attached documents.)
Revdex.com
222 West [redacted]et Street
Akron, OH 44303
Attention: [redacted] Sent by email: [redacted]
March 15, 2016
RE: Case# [redacted]
[redacted]
Dear Ms. [redacted]:
We have provided you with our response, along with the earlier letter to the Department of Insurance which found no fault on our behalf. [redacted] paid for and received coverage for the entire period and was fully covered under the terms of the policy. Ms. [redacted] has every right to consult with an attorney, should she choose to do so.
Sincerely,
Renee D[redacted]
Senior Corporate Paralegal
Legal/Compliance
Westfield Insurance Company
Final Consumer Response /* (4200, 11, 2016/03/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Doesn't the insurance company have any responsibility in verifying a property exists before insuring it??? How could you possibly have come up with a dollar amount when the street you had listed does not even exist in that city. Why wouldn't you go to the auditors website and verify the property existed along with the age, square feet, etc. There is no excuse. This should have been straightened out years ago and you should have contacted by [redacted] via phone. I do not believe you would have covered us if there was an issue at the property whatever it was. You sent us a check for $98.00 which was the difference for last year when in actuality it should have been for the past 20 years. I am sure you have Error and Omissions insurance which should cover this as the insurance states.....Alleged or actual negligence Errors and omissions insurance coverage is strongly recommended to protect your business from claims alleging negligence from your professional services including failing in your "duty of care", giving incorrect advice or making mistakes.
You should at least admit that no due diligence was done on our property ever to make sure it existed. Thus you need to at least pay back the $98.00 x 20 years.
[redacted]

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Address: 2525 Harrodsburg Road Suite #400, Lexington, Kentucky, United States, 40504

Phone:

47 0 0
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Web:

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