Dear *** ***,In response to Nationwide let me say I refused to speak to agent Hugh G*** since I had spoken to him many times regarding my large increases in premium and he always assure me I was getting the most for my Premium.I now know this wasn't trueHe was taking care of his commissions, not meI called Customer Service twice to ask for my Insurance score that they based Premium on and both times they refused to give it to meMy last bill was for $not $as they state.I now get many more benefits for $less per yearI see a problem with this.Sincerely,*** ** ***
there was no leak around bathroom vent, no sign of any leak around vent, no water damage around roof around vent, so first reason nationwide listed as reason roof leaked is a liearound chimney was the reason of the leak, if inspector would have done a good job of inspecting roof he would have seen this, when SBA inspector checked house for loan he saw this and said flashing got pushed up from wind and roof is a newer roofNationwide made up this story of flashing and vent being in bad shape so as not to repair roof.When second nationwide inspector came out to house the first thing he said was nationwide was not paying for roof repair before he even checked roofnationwide should have repaired roof
Regards, *** ***
For starters a $1,increase in policy from last to this year is absurdNothing has changed the fire department not moved, the fire hydrants have not moved and the house is still where it was built. What has changed are the classificationsCorrect me if I'm wrong the only way you can increase premiums on policy holders such as myself that have basically a clean record, with no claims in years, is to request classification changesThese classification changes then allow you to increase premiums At this time, I am requesting all filing for classification changes, documentation that effected my policy and whom was this filed with Also I am requesting the response and or final documentation on the approval Which includes but not limited to rate filing as well as classification changes. Also, When my local agent for Nationwide retired I received a card from an agency in *** *** SC stating they were handling my policyWhen I first was made aware of the premium increase I call the Nationwide number listed on the policy and was referred to the agent in *** *** **I called the agency and asked to speak to *** *** (the Agent) back on 5-24- he has yet to call me or made any to contact me in regards to this issueI did talk to a female named *** whom referred me to Nationwide for answers Therefore the agent in my opinion is absolutely useless and has no help or made any attempt to help understand this increaseI 'm requesting that any commission paid to this agent be return and credited to my policy Premium because he has done nothing for me and yet my money goes to him I feel the $1,increase is not warranted and outrageous and should be refunded for nothing I have done has caused this (absolutely no claims) It is the greed of the insurance company to change the classifications in order to increase premiums
Regards,
*** *** ***
An email was sent to Mr*** this morningThe appropriate department has been notified to remove his information from the "Do Not Call List"Thank you *** *** *** *** *** **
*** *** ** ***Dear *** ***:Thank you for contacting Nationwide to request that we
add your phone number to our Do Not Call List.We have processed your request effective 11/04/2016, the date we received your notification.Our phone lists are prepared in advance, please allow approximately days for your information to be completely removed from our listsIf you need additional help or have any questions, please contact me directly and reference Nationwide OCR Ref # *** Sincerely,*** ***Nationwide InsuranceCustomer Advocacy Coordinator
We are in receipt of your correspondence dated March 7, addressed to *** ***, regarding *** ***’s concern of the SmartRide programI will be happy to respond to the concerns of Mr*** on her behalf.When a vehicle is enrolled into the SmartRide program a 10% participation
discount is applied to the vehicle while the customer has the device plugged in and is transmitting dataThe SmartRide program requires the device to be installed in the vehicle at least days and days prior to the policy renewal date for the vehicle to receive the verified discount on the renewal termWhen a vehicle enrolled into the SmartRide program is replaced, the data collection period starts over.On December 15, 2016, Jonathan *** contacted Nationwide to replace a Chevrolet Equinox with a Chevrolet SilveradoThe Chevrolet Equinox was receiving a 10% SmartRide Discount for participating in the SmartRide program while the device was installed in the vehicle and transmitting dataThe Chevrolet Equinox was trending to receive a 40% verified SmartRide Discount, which would have been applied on the April 1, renewal term if the vehicle would not have been replaced with a Chevrolet Silverado.On December 16, 2016, Jonathan *** contacted Nationwide concerning the SmartRide program for the Chevrolet SilveradoMr*** was correctly advised when a vehicle enrolled into the SmartRide program is replaced, the data collection period starts over.Nationwide is not able to accommodate *** ***’s expected resolution to apply a 40% verified SmartRide Discount to the Chevrolet Silverado as the vehicle has not completed the data collection period for the SmartRide programIf the vehicle remains enrolled in the SmartRide program, a verified SmartRide Discount will be applied on the September 30, renewal term as determined by the data collection period.If you require further assistance, please contact our Customer Relations Coordinator, Janice K***, at ###-###-#### or by email at ***.Sincerely,Jake M***
July 28, 2016*** *** ***
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Dear *** ***,We are in receipt of your request for information regarding the above referenced file*** *** states in his complaint that he received three checks for claims reimbursement which were returned by the issuing bank when he made the deposit*** *** states that he was told by a Nationwide representative that is would take 3-weeks to reissue his checksHe is requesting immediate replacement.Please be advised that we are aware of an internal issue that occurred with our financial institutionWe have identified and reached out to the members who were impacted for resolutionWe contacted *** *** when we discovered the problem and offered several options to reimburse himThese included a paper check (which could take a couple weeks to receive), ACH into his account, or to refund to the payment method on file (which are almost immediate)Please be advised that the funds for the three checks identified by *** *** have been applied to his credit card account on July 22, We also provided an additional $per check to cover any bank fees that may have been incurred.We sincerely apologize for any inconvenience this error may have caused *** ***.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty G***, at ###-###-#### or via email at ***Sincerely,Vincent G***Clinical Operations ManagerNationwide***###-###-####
I am now in possession of the claim report related to the water damage. Still quite frustrating that it took so long to get written results rather than just voice messages.I have finally been contacted regard the shower door explosion, which
was part of my claim on 9/30. I still find it unacceptable that I was
given the run around about needing to open a new claim when this was part of the reason I reported the claim on 9/30. I've been told that someone will folland that a check to cover the expense of the replacement shower door will follow. Since I have not seen any follreport or the reimbursement check this issue is not resolved.It is now Nov 11th, six weeks since I reported and filed the claim and the primary reason for this Revdex.com complaint. Assuming I do receive a formal report and reimbursement check for the replacement of my shower door, then that will address this complaint. Had Nationwide taken ownership of my claim and acted in a timely fashion, we would not be involved in this complaint.So until this customer of years see's some proof, you have not honored your responsibility as my insurance company
Still very frustrated,
Glenn Rogers
We are in receipt of Ms***’s rebuttal of our response to the above referenced caseMs*** states that her premium for both of her pet’s *** and *** was the sameShe believes this indicates that *** had the same policy coverage as *** which includes a Wellness Rider.Below is a summary of coverage and premiums paid for each pet Policy C-*** for ***: The annual premium for ***’s Major Medical plan with a $annual deductible was $A $installment fee was added because Ms*** selected a monthly payment plan, therefore the total premium became $An initial payment of $was paid for the first and last month of the policyThe remaining balance of $was paid in ten monthly installments of $As stated in our previous response the premium of $was for the Major Medical Plan only and it did not include a Wellness Rider Policy C-for ***: Ms*** applied for the Major-Medical Plan with a $annual deductible on October 16, for her dog, ***The policy was approved with a policy effective date of October 29,As with her dog, ***, Ms*** applied through the Nationwide Pet website and did not select a Wellness Rider at that timeHowever, Ms*** called our sales department on October 18, and asked to add a Wellness Rider to ***’s policyThe sales agent was able to add the rider, because the request was made before and within the first days of ***’s policy effective date The original premium for ***’s policy was $398.62, however, with the addition of the Wellness Rider the premium became $An $installment fee was added because Ms*** selected a monthly payment plan, therefore the total premium became $An initial payment of $was paid for the first and last month of the policyThe remaining balance of $was paid in ten monthly installments of $ As explained in our previous response, once ***’s policy came into effect on January 29, 2017, Ms*** had days to review her policy and add a Pet Wellness RiderAt this time, we are unable to add the Wellness Rider to ***’s current policy, however, it can be added during the 60-day renewal period at Ms***’s request Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, Cathy D***, at ###-###-#### or via email at *** Sincerely, Christopher M*** Claims Director
[To assist us in bringing this matter to a close, you must give us a re*** why you are rejecting the responseIf no re*** is received your complaint will be closed Administratively Resolved]
Complaint:
I am rejecting this response because:In response to the statements made above some things were incorrect such as the statement “she felt that his response to my request was unacceptable” my request was never mentioned I was inquiring about specific documents that would be neededNext I didn’t not make a demand of 3-4k I explained to Ed when he called I was not expecting that amountI was simply doing as another Nationwide employee had suggested to get a starting point of negotiationAlso during the call I had informed Ed that *** had indeed fixed my window and corrected the issue, As he stated he has brought in a third party inspector to estimate the damagesI would like to be clear in no way did Nationwide try to resolve the issue through negotiationI received a call from *** yesterday she sat a time and she called back again this morning to change the timeAgain Nationwide received the certified letter for diminished value on November 8thand it was received and I was contacted November 10thno communication until the call I received on December 1stafter reported to the Revdex.com my inspection will not be performeduntil December 12th(if it isn’t changed) and I will wait until the report is complete to finally get to the negotiation stages with the holidays I feel a fair offer could have had this over and done with instead they have chosen to pay a third party as I told him this is not about money more about principle
Regards,
*** ***
Please accept this letter as a formal response to your questions regarding *** *** (K) Plan (Plan), administered by Nationwide Retirement Plans (Nationwide)I appreciate the opportunity to address your concerns.*** *** *** ***has chosen to terminate their plan with Nationwide
and move to a new provider, a company called *** *** The employer was notified on August 19, that our procedures for plan termination include a blackout period, during which no withdrawals can be processed from participant accountsThis blackout period, as indicated to the employer, begins the day we receive the Asset Transfer Request FormWe received this form from the employer on August 21, 2015, effectively beginning the blackout period.I apologize if there was miscommunication from the employer in regards to when the blackout period was to beginUnfortunately, once the period begins we are unable to process participant requestsParticipants must make any requests for withdrawals through the new providerWe did not receive paperwork for the rollover from Ms*** until September 9, 2015, which was after the blackout period had begun.With regards to the fund loss in the account, this is due to the participant chosen investment option, the Nationwide Money Market fundThe rate of return an fund prospectuses are available to participants to review before making investment decisions*** *** also provides access to a third party investment professional that is able to assist participants with making investment decisionsThe rate of return for the money market fund is reported on the website, YTD of -0.64%This information is readily available to participants before making a decisionNationwide is not able to make recommendations, only perform exchanges upon request.The liquidation of the *** *** account is scheduled to occur October 22, Once the transfer of assets to Paychex, Inc is complete, Ms*** can request the rollover of her funds to her IRA.I sincerely apologize for any inconvenience this situation has caused, and the miscommunication from the employer regarding when the blackout period would beginShould you have any additional questions or concerns regarding this matter please feel free to contact me directly at ###-###-####, weekdays between 8:a.mand 4:p.mEastern time.Sincerely,Nicole T*** *** ***
First;y: Concerning the Vehicle : It is not safe for me to be driving the same vehicle The thieves from an organized crime group have all information of the vehicle, keys and remotes and additional information.The have the same keys that I have. Ms Little mentioned that I do not have to pay car insurance deductible since it is covered in my home insurance Earlier Ms Tara said, I have to pay the deductible. Why is there a conflict among both the statements? Please note that the vehicle is my personal property. I have upto 400,coverage as per my agent. why am I being denied to use my coverage????Secondly on the House Invasion: Today is Feb 17th It is almost one month since the burglary happened. The first adjuster (Mr Ernie) that came to the house was yesterday., Feb 2016. Ms Melanie G*** has officially rejected damages that happened to the house. There were a broken pipe causing water leak, sprinkler damages, walls being torn with some kind of tool, doors being pushed around causing damage The patio glass door which was a double glazed door shattered causing the ceiling and perpendicular wall to crack There was a glass door that was brokenThat area had to be secured Insurance did not send anyone immediatelyI had to ask *** *** company to secure the door, so that rodents, rain, garbage may not enter the house. I had to stay at a cousins place until the bare minimum was fixed for me to move back. There were emergency contractors that I had to initiate to bring the house to the state that I could live in. Now I am being told Nationwide will not cover for the damages. She is claiming that if items were not stolen from the garage then the garage wall will not be fixed ( Photos of the whole house have been emailed to her) There are witness that have claimed rummages all over the house including garage, restrooms, bedroomsThe whole house was gone through by the robbers. ***, Officer *** ***, *** husband are witnesses that items were rummaged in garage and rest of the house IMG _is of the closet in the master suite, IMG : picture of bags taken from garage thrown in family and rummaged( cheque books missing) IMG : Downstairs room rummaged ( watches stolen) IMG 1646: picture of empty watch boxes upstairs)I do not have any paperwork from the assigned contracted who is supposed to do the workI have an estimate. A police report was filed immediatelyReport number ***
Regards,
*** ***
While she confirmed most my experience they were never able to further assist me which is why I had to find financing elsewhere which they were able to finance me in less than a week as I had all the documents and information ready at hand like I did with nationwideGiven my prior experience with Nationwide when I applied for a loan about years ago they have made few changes which I believe are not for the best and delays the process as it did in this scenarioThe fact that the customer service reps are unable to even provide a simple fax number correctly is beyond my understanding as this happened timesI hope that with this complaint Nationwide is able to properly train their staff and make changes for the betterMaybe next time I need a loan ill give them one more try however this one did not go according to their promise about how simple and fast their loans are.
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and after being an agent-less Nationwide customer for years was provided Richard T*** at ###-###-####I spoke with Jackie today at Richard's office who is going to review my policy and communicate back with meFeel free to close the complaint now that I have a local human to communicate with
Regards,
*** ***
I reviewed the response made by the business in reference to complaint ID ***, I have submitted documents required to contest VPI denial decision for my cat, *** This week, I reviewed the case with a VPI agent and one of their underwriters It was pointed out to me that while my cat, *** did have a rhinitis exclusion placed on her policy, there is no supporting documentation to have placed the exclusion She has never had rhinitis, nor a related diagnosis prior to the current office visit, therefore no pre-existing condition has occurred My vet's office is deeply involved in this case and has spoken in my defense with VPI They will support my Review of Claim submission with appropriate documentation I hope for a fair resolution of ***'s claim.Yes, ? did choose remove my other cat *** from VPI insurance Like ***, she's also been covered by VPI since under a "Superior" plan At the end of 2014, and the beginning of this year, she developed a serious illness and had to be hospitalized for over a week She required surgery and supportive careHer bill was approximately $5, but VPI paid less than 44% on the claims submitted I've paid more than double in plan payments than the amount reimbursed In my world, that's a terrible return on investment Having ***'s claim completely denied was the final straw, so I moved *** to another company's plan.In closing, I hope that we can reach a resolution in ***'s case No client wants to battle a company in order to receive fair treatment It's stressful and frustrating It's also bad business for VPI/NationwideToday, consumers not only have multiple choices regarding their purchasing choices, but the ability to rate companies on their customer experienceIt's much better for all parties involved to resolve issues quickly and easily I appreciate VPI's willingness to review ***'s claim and the Revdex.com for mediating
Regards, *** *** ***
This letter is in response to the complaint filed by Ms*** regarding the collection balance of herAuto policy.On January 30, 2017, the renewal for February 24, had calculated at $At the time ofrenewal, the vehicle on the policy was a T*** *** and Ms*** was the only
driver ratedon the policy.On January 30, 2017, a statement was issued indicating that $119.03; $for the Auto plus a$installment fee was due by February 24, 2017.On February 20, 2017, a payment of $was received via bankcard.On February 28, 2017, a statement was issued indicating that $119.03; $for the Auto plus a$installment fee was due by March 24, 2017.On March 24, 2017, a payment of $was received via CheckFree banking service.On March 31, 2017, a statement was issued indicating that $119.04; $for the Auto plus a$installment fee was due by April 24, 2017.On April 14, 2017, a One Time Electronic Payment was processed for $119.04.On May 1, 2017, a statement was issued indicating that $119.03; $for the Auto plus a $5.00installment fee was due by May 24, 2017.On May 24, 2017, a One Time Electronic Payment was processed for $119.03.On May 31, 2017, a statement was issued indicating that $119.04; $plus a $installmentfee was due by June 24, 2017.On June 19, 2017, Ms*** signed up for automatic payments via electronic funds transfer and the$installment fee from the May 31, statement was waived, leaving $due by June 24,On June 19, 2017, Ms*** also replaced her T*** *** with a T*** ***,this caused a premium increase of $82.60.On June 23, 2017, a One Time Electronic Payment was processed for $114.04.Office of Customer Advocacy | One Nationwide *** *** | *** ** ***On June 28, 2017, a paperless statement was e-mailed to Ms*** indicating that $wasgoing to be automatically withdrawn from her bank account on July 24, 2017.On June 30, 2017, Processing added two accident surcharges to Ms***’s policyThesesurcharges caused an increase of $to Ms***’s policyThese surcharge points wereincorrectly charging on the policy mid-termSurcharge points are only to start charging on the nextapplicable renewalThe next applicable renewal in this case would have been the upcoming August24, renewal.On July 24, 2017, a payment of $was received via electronic funds transfer.On July 31, 2017, the renewal for August 24, calculated at $2,389.20.On August 1, 2017, a paperless statement was e-mailed to Ms*** indicating that $764.40($from the prior term surcharge points that were added, plus 1/6th of the current renewal$398.20, plus a $installment fee) would be automatically withdrawn from her bank account onAugust 24, 2017.On August 21, 2017, effective August 18, Ms*** lowered vehicle coverages on the 2012T*** *** which caused a reduction in premium of $770.20.Ms*** called in to Servicing on September 1, to cancel her Auto policy effective August 21,since she had obtained new insuranceThe policy was canceled and the unearned premium of$was placed back into the billing account leaving a balance of $as a collection.After reviewing the policy, since the surcharge points were added mid-term, we have made thedecision to remove the surcharge points which will credit the account $This adjustment willleave a credit on the account of $28.70, which will then be refunded to Ms***We have alsocontacted the CCS Collection Company and closed the collection accountTo date, nothing has beenreported to any of the credit bureaus and the Nationwide policy has been cancelled with a $0.00balanceWe apologize for the inconvenience this has caused.If you require further assistance, please contact Customer Advocacy Coordinator, Cathy D***r, at*** or by email at ***Sincerely,Jackie S*SrAnalystNationwideEnclosures
Nationwide received the Revdex.com complaint that was submitted on 11/3/Several business units will be involved, in order to resolve this caseUnfortunately, we will be unable to meet the initial deadline date of 11/9/Nationwide is asking for a day extension, or November 19, Please
confirm by responding to this email that the extension has been grantedThe resolution response will be provided earlier, if all issues have been addressed.Enjoy your day.Thank you Barb D***Customer Advocacy Coordinator W ###-###-#### | F ###-###-#### ***
We are in receipt of your request for information dated August 11, regarding the above referenced file.Based on the information provided, it appears Ms*** is disputing the reimbursement amount she receivedunder claim *** ***Our records show Ms*** had the Superior Plan for Austin
Please remember the Superior Plan worksexclusively with a benefit scheduleAll claims are processed in accordance with the terms of the policy contract,the diagnosis on the claim form, and medical records if submitted.On July 4, we received a claim for the treatment dates of July 2, to July 4, The claim formdocumented four diagnoses:VomitingCholangitisChronic partial extrahepatic bile duct obstructionChronic kidney diseaseThe claim was coded and processed based on the information providedThe Explanation of Benefits mailed toMs*** also included an information code explaining to submit medical records for possible additional benefitreview.As stated in section "Review" of the policy, the policyholder may request a review of any claim:"You may request a review: (1) if we deny your claim in whole or in part, or (2) to ask that we remove anexcluded condition listed on the Declarations Page or Renewal Certificate of your policyYour requestmust be in writingYou must provide us with all medical records and any other supporting documentationupon our reasonable requestWe will not review requests to remove any excluded condition unless thecondition has been cured for at least six (6) months before the date of your requestAll review decisionsare final."On July 27,we received a call from a representative of Massachusetts Veterinary Referral Hospital to seewhat additional information was neededWe explained medical records were necessary in order for us to reviewthe claim for additional benefits.Records were received on July 27,and the review completed August 14, The review determinedadditional benefits were eligible under claim 2***in the amount of $573.30.During the time the review was in process we received three additional claimsThose claims were also processedalong with the review and Explanation of Benefits and reimbursement checks will be mailed under separate cover.Ms*** stated in her complaint that she wants to be reimbursed for the $2,minus the $deductiblefor claim ***We feel we must refer Ms*** to section "Benefit Provisions - Plan En of thepolicy:4.A"We will pay reasonable and necessary veterinary services expenses for your pet's condition thatoccurs and is treated during the policy termTo be eligible for payment, your pet's condition must comewithin a primary diagnostic code listed on the Superior Plan Benefit ScheduleEach condition is eligiblefor payment under only one primary diagnostic code and any applicable secondary diagnostic code, perincident."4.B "The amount we will pay for any condition covered by this policy is determined by: ( I ) yourveterinary services expenses, (2) the Benefit Schedule, and (3) your deductibleWe will pay 90% ofcovered veterinary services expenses up to a maximum of 90% of the Benefit Schedule diagnostic codethat applies to your pet's condition, less your deductible."Should you require any further assistance in this matter, please contact our *** *** ***Janice K***, at ###-###-#### or via email at ***Sincerely,Ben W*** *** *** *** *** ***
I have attempted to contact this complainant, and am awaiting a responseThe Complainant's vehicle was towed because the vehicle had WV tags that had expired Apparently the apartment complex had the vehicle towed as it was not registered with them The vehicle has since been
dismantled and sold by *** *** *** ** We were able to inspect and determined that the only damage to the rear of the vehicle was to the bumper, bumper molding, and tailamp I disagree with complainant's premise that Nationwide is responsible for everything He is the owner of the vehicle and ultimately responsible to maintain registration and insurance on the vehicleAttempting to resolve the damages, will adviseRegards, Leonard P***
Dear Ms***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding her concernswith the above referenced policy with Nationwide Affinity Insurance Company of AmericaWe havereviewed the concerns expressed by Ms*** and will attempt to address them in the letter.*** *** has a personal auto policy with Nationwide Affinity Insurance Company of America.On January 4, 2015, Ms*** lost control of her *** *** on icy roads, striking a treeand a rock in a yard, and flipping the vehicle onto its top, with resulting damages so severe it wasconsidered a total loss.The complainant believes the *** *** she was driving at the time of theaccident failed due to a mechanical malfunctionShe indicated that the adjuster whocompleted the inspection did not check for mechanical issues.In review of the file notes and documents for the above referenced claim, we were not made aware ofany mechanical issues on Ms***’s *** ***Nationwide was contacted on May 11,2016, a year and four months after the date of the loss by Ms***, inquiring as to her rate increaseand suggesting this loss was due to a mechanical failureThe vehicle was sold by *** *** on April 20, and this vehicle is no longer in Nationwide’s possession to verify Ms***’sclaim on the mechanical failure theory for the loss.The complainant believes the accident was initially listed as not-at-fault and was changed toan at-fault accidentShe also raised a concern regarding not being notified that payment wasmade for property damage to the claimant without her knowledge.On January 5, a recorded interview was conducted with Ms***, in which she indicated thatshe had lost control of her vehicle due to ice and snow, and struck a tree and a rock.Once the statement was received from Ms*** and the police report confirmed the accident, EricN***, the Nationwide Claims Adjuster indicated the chargeability of this accident as “at-fault”, whichwas one day after the date of lossThere were no notes in the claim where this accident was not-atfaultor non-chargeable.The investigation found the resulting damage to *** ***s property totaled $ 2,andNationwide handled the payment of the damages.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D***at ###-###-#### or by email at ***Sincerely,Nan Q***Claims Specialist IIINationwide###-###-####***
Thank you for the opportunity to review and respond to Ms***’s complaint regarding her homeowner policy written through Nationwide Insurance effective October 23, 2014.The basis of her complaint is the increased premium on the policy since released by the agencyThe policy when bound had a
coverage amount of $168,with a premium of $Nationwide uses a vendor inspection company to review the premises in an effort to determine if a premise is free of hazardous situations and the components of the home and other structures on premises are in good repairThe reviews are also completed to make sure that the insured has adequate coverage to reconstruct the dwelling if destroyedThis is done through taking measurements of the residence and making observations of the construction features of the homeOnce obtained, the features of the home and measurements are placed into a reconstruction cost calculator for determination of the cost to reconstruct.Upon completion of the inspection, the calculated reconstruction cost on the home was $277,The review was completed on November 19, which was within the first days of the policy contractThe first days of a policy has a provision called the discovery periodThe discovery period is used to complete the underwriting processThe insured was notified of the coverage discrepancy on December 19, The letter mailed to the insured advised that the coverage would be increased from $168,to $272,effective October 23, 2014, the inception date of the policyI can see no response from the insured until early July Since that time, there have been multiple changes to the reconstruction costI have reviewed the vendor inspector’s measurements which are largely correct with the exception of the insured attached guest suiteThe reconstruction estimate has been corrected, coverage lowered and premium amendedEach time a change is made to the amount of coverage a new declarations page was mailed to the insured showing the change was effective October 23, 2014. On July 28, the policy deductible was changed from $to $The change in deductible will reduce the premium amount for the coverage amountThis change was effective July 28, The first days of the contract had a $deductible which would mean the premium was higher than the $which the insured is making her calculations in the complaint fromFrom July 28, through the present date, the premium is based upon a $deductible which is where the difference in the refunds to the premium appears to be.We hope the response is beneficial in explaining the insured’s concernsIf anything additional is needed, please contact Sharon W*** at *** or via phone at ###-###-####.Sincerely,Thomas P*** *** *** ***
Dear *** ***,In response to Nationwide let me say I refused to speak to agent Hugh G*** since I had spoken to him many times regarding my large increases in premium and he always assure me I was getting the most for my Premium.I now know this wasn't trueHe was taking care of his commissions, not meI called Customer Service twice to ask for my Insurance score that they based Premium on and both times they refused to give it to meMy last bill was for $not $as they state.I now get many more benefits for $less per yearI see a problem with this.Sincerely,*** ** ***
there was no leak around bathroom vent, no sign of any leak around vent, no water damage around roof around vent, so first reason nationwide listed as reason roof leaked is a liearound chimney was the reason of the leak, if inspector would have done a good job of inspecting roof he would have seen this, when SBA inspector checked house for loan he saw this and said flashing got pushed up from wind and roof is a newer roofNationwide made up this story of flashing and vent being in bad shape so as not to repair roof.When second nationwide inspector came out to house the first thing he said was nationwide was not paying for roof repair before he even checked roofnationwide should have repaired roof
Regards, *** ***
For starters a $1,increase in policy from last to this year is absurdNothing has changed the fire department not moved, the fire hydrants have not moved and the house is still where it was built. What has changed are the classificationsCorrect me if I'm wrong the only way you can increase premiums on policy holders such as myself that have basically a clean record, with no claims in years, is to request classification changesThese classification changes then allow you to increase premiums At this time, I am requesting all filing for classification changes, documentation that effected my policy and whom was this filed with Also I am requesting the response and or final documentation on the approval Which includes but not limited to rate filing as well as classification changes. Also, When my local agent for Nationwide retired I received a card from an agency in *** *** SC stating they were handling my policyWhen I first was made aware of the premium increase I call the Nationwide number listed on the policy and was referred to the agent in *** *** **I called the agency and asked to speak to *** *** (the Agent) back on 5-24- he has yet to call me or made any to contact me in regards to this issueI did talk to a female named *** whom referred me to Nationwide for answers Therefore the agent in my opinion is absolutely useless and has no help or made any attempt to help understand this increaseI 'm requesting that any commission paid to this agent be return and credited to my policy Premium because he has done nothing for me and yet my money goes to him I feel the $1,increase is not warranted and outrageous and should be refunded for nothing I have done has caused this (absolutely no claims) It is the greed of the insurance company to change the classifications in order to increase premiums
Regards,
*** *** ***
An email was sent to Mr*** this morningThe appropriate department has been notified to remove his information from the "Do Not Call List"Thank you *** *** *** *** *** **
*** *** ** ***Dear *** ***:Thank you for contacting Nationwide to request that we
add your phone number to our Do Not Call List.We have processed your request effective 11/04/2016, the date we received your notification.Our phone lists are prepared in advance, please allow approximately days for your information to be completely removed from our listsIf you need additional help or have any questions, please contact me directly and reference Nationwide OCR Ref # *** Sincerely,*** ***Nationwide InsuranceCustomer Advocacy Coordinator
We are in receipt of your correspondence dated March 7, addressed to *** ***, regarding *** ***’s concern of the SmartRide programI will be happy to respond to the concerns of Mr*** on her behalf.When a vehicle is enrolled into the SmartRide program a 10% participation
discount is applied to the vehicle while the customer has the device plugged in and is transmitting dataThe SmartRide program requires the device to be installed in the vehicle at least days and days prior to the policy renewal date for the vehicle to receive the verified discount on the renewal termWhen a vehicle enrolled into the SmartRide program is replaced, the data collection period starts over.On December 15, 2016, Jonathan *** contacted Nationwide to replace a Chevrolet Equinox with a Chevrolet SilveradoThe Chevrolet Equinox was receiving a 10% SmartRide Discount for participating in the SmartRide program while the device was installed in the vehicle and transmitting dataThe Chevrolet Equinox was trending to receive a 40% verified SmartRide Discount, which would have been applied on the April 1, renewal term if the vehicle would not have been replaced with a Chevrolet Silverado.On December 16, 2016, Jonathan *** contacted Nationwide concerning the SmartRide program for the Chevrolet SilveradoMr*** was correctly advised when a vehicle enrolled into the SmartRide program is replaced, the data collection period starts over.Nationwide is not able to accommodate *** ***’s expected resolution to apply a 40% verified SmartRide Discount to the Chevrolet Silverado as the vehicle has not completed the data collection period for the SmartRide programIf the vehicle remains enrolled in the SmartRide program, a verified SmartRide Discount will be applied on the September 30, renewal term as determined by the data collection period.If you require further assistance, please contact our Customer Relations Coordinator, Janice K***, at ###-###-#### or by email at ***.Sincerely,Jake M***
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Dear *** ***,We are in receipt of your request for information regarding the above referenced file*** *** states in his complaint that he received three checks for claims reimbursement which were returned by the issuing bank when he made the deposit*** *** states that he was told by a Nationwide representative that is would take 3-weeks to reissue his checksHe is requesting immediate replacement.Please be advised that we are aware of an internal issue that occurred with our financial institutionWe have identified and reached out to the members who were impacted for resolutionWe contacted *** *** when we discovered the problem and offered several options to reimburse himThese included a paper check (which could take a couple weeks to receive), ACH into his account, or to refund to the payment method on file (which are almost immediate)Please be advised that the funds for the three checks identified by *** *** have been applied to his credit card account on July 22, We also provided an additional $per check to cover any bank fees that may have been incurred.We sincerely apologize for any inconvenience this error may have caused *** ***.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty G***, at ###-###-#### or via email at ***Sincerely,Vincent G***Clinical Operations ManagerNationwide***###-###-####
I am now in possession of the claim report related to the water damage. Still quite frustrating that it took so long to get written results rather than just voice messages.I have finally been contacted regard the shower door explosion, which
was part of my claim on 9/30. I still find it unacceptable that I was
given the run around about needing to open a new claim when this was part of the reason I reported the claim on 9/30. I've been told that someone will folland that a check to cover the expense of the replacement shower door will follow. Since I have not seen any follreport or the reimbursement check this issue is not resolved.It is now Nov 11th, six weeks since I reported and filed the claim and the primary reason for this Revdex.com complaint. Assuming I do receive a formal report and reimbursement check for the replacement of my shower door, then that will address this complaint. Had Nationwide taken ownership of my claim and acted in a timely fashion, we would not be involved in this complaint.So until this customer of years see's some proof, you have not honored your responsibility as my insurance company
Still very frustrated,
Glenn Rogers
We are in receipt of Ms***’s rebuttal of our response to the above referenced caseMs*** states that her premium for both of her pet’s *** and *** was the sameShe believes this indicates that *** had the same policy coverage as *** which includes a Wellness Rider.Below is a summary of coverage and premiums paid for each pet Policy C-*** for ***: The annual premium for ***’s Major Medical plan with a $annual deductible was $A $installment fee was added because Ms*** selected a monthly payment plan, therefore the total premium became $An initial payment of $was paid for the first and last month of the policyThe remaining balance of $was paid in ten monthly installments of $As stated in our previous response the premium of $was for the Major Medical Plan only and it did not include a Wellness Rider Policy C-for ***: Ms*** applied for the Major-Medical Plan with a $annual deductible on October 16, for her dog, ***The policy was approved with a policy effective date of October 29,As with her dog, ***, Ms*** applied through the Nationwide Pet website and did not select a Wellness Rider at that timeHowever, Ms*** called our sales department on October 18, and asked to add a Wellness Rider to ***’s policyThe sales agent was able to add the rider, because the request was made before and within the first days of ***’s policy effective date The original premium for ***’s policy was $398.62, however, with the addition of the Wellness Rider the premium became $An $installment fee was added because Ms*** selected a monthly payment plan, therefore the total premium became $An initial payment of $was paid for the first and last month of the policyThe remaining balance of $was paid in ten monthly installments of $ As explained in our previous response, once ***’s policy came into effect on January 29, 2017, Ms*** had days to review her policy and add a Pet Wellness RiderAt this time, we are unable to add the Wellness Rider to ***’s current policy, however, it can be added during the 60-day renewal period at Ms***’s request Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, Cathy D***, at ###-###-#### or via email at *** Sincerely, Christopher M*** Claims Director
[To assist us in bringing this matter to a close, you must give us a re*** why you are rejecting the responseIf no re*** is received your complaint will be closed Administratively Resolved]
Complaint:
I am rejecting this response because:In response to the statements made above some things were incorrect such as the statement “she felt that his response to my request was unacceptable” my request was never mentioned I was inquiring about specific documents that would be neededNext I didn’t not make a demand of 3-4k I explained to Ed when he called I was not expecting that amountI was simply doing as another Nationwide employee had suggested to get a starting point of negotiationAlso during the call I had informed Ed that *** had indeed fixed my window and corrected the issue, As he stated he has brought in a third party inspector to estimate the damagesI would like to be clear in no way did Nationwide try to resolve the issue through negotiationI received a call from *** yesterday she sat a time and she called back again this morning to change the timeAgain Nationwide received the certified letter for diminished value on November 8thand it was received and I was contacted November 10thno communication until the call I received on December 1stafter reported to the Revdex.com my inspection will not be performeduntil December 12th(if it isn’t changed) and I will wait until the report is complete to finally get to the negotiation stages with the holidays I feel a fair offer could have had this over and done with instead they have chosen to pay a third party as I told him this is not about money more about principle
Regards,
*** ***
Please accept this letter as a formal response to your questions regarding *** *** (K) Plan (Plan), administered by Nationwide Retirement Plans (Nationwide)I appreciate the opportunity to address your concerns.*** *** *** ***has chosen to terminate their plan with Nationwide
and move to a new provider, a company called *** *** The employer was notified on August 19, that our procedures for plan termination include a blackout period, during which no withdrawals can be processed from participant accountsThis blackout period, as indicated to the employer, begins the day we receive the Asset Transfer Request FormWe received this form from the employer on August 21, 2015, effectively beginning the blackout period.I apologize if there was miscommunication from the employer in regards to when the blackout period was to beginUnfortunately, once the period begins we are unable to process participant requestsParticipants must make any requests for withdrawals through the new providerWe did not receive paperwork for the rollover from Ms*** until September 9, 2015, which was after the blackout period had begun.With regards to the fund loss in the account, this is due to the participant chosen investment option, the Nationwide Money Market fundThe rate of return an fund prospectuses are available to participants to review before making investment decisions*** *** also provides access to a third party investment professional that is able to assist participants with making investment decisionsThe rate of return for the money market fund is reported on the website, YTD of -0.64%This information is readily available to participants before making a decisionNationwide is not able to make recommendations, only perform exchanges upon request.The liquidation of the *** *** account is scheduled to occur October 22, Once the transfer of assets to Paychex, Inc is complete, Ms*** can request the rollover of her funds to her IRA.I sincerely apologize for any inconvenience this situation has caused, and the miscommunication from the employer regarding when the blackout period would beginShould you have any additional questions or concerns regarding this matter please feel free to contact me directly at ###-###-####, weekdays between 8:a.mand 4:p.mEastern time.Sincerely,Nicole T*** *** ***
First;y: Concerning the Vehicle : It is not safe for me to be driving the same vehicle The thieves from an organized crime group have all information of the vehicle, keys and remotes and additional information.The have the same keys that I have. Ms Little mentioned that I do not have to pay car insurance deductible since it is covered in my home insurance Earlier Ms Tara said, I have to pay the deductible. Why is there a conflict among both the statements? Please note that the vehicle is my personal property. I have upto 400,coverage as per my agent. why am I being denied to use my coverage????Secondly on the House Invasion: Today is Feb 17th It is almost one month since the burglary happened. The first adjuster (Mr Ernie) that came to the house was yesterday., Feb 2016. Ms Melanie G*** has officially rejected damages that happened to the house. There were a broken pipe causing water leak, sprinkler damages, walls being torn with some kind of tool, doors being pushed around causing damage The patio glass door which was a double glazed door shattered causing the ceiling and perpendicular wall to crack There was a glass door that was brokenThat area had to be secured Insurance did not send anyone immediatelyI had to ask *** *** company to secure the door, so that rodents, rain, garbage may not enter the house. I had to stay at a cousins place until the bare minimum was fixed for me to move back. There were emergency contractors that I had to initiate to bring the house to the state that I could live in. Now I am being told Nationwide will not cover for the damages. She is claiming that if items were not stolen from the garage then the garage wall will not be fixed ( Photos of the whole house have been emailed to her) There are witness that have claimed rummages all over the house including garage, restrooms, bedroomsThe whole house was gone through by the robbers. ***, Officer *** ***, *** husband are witnesses that items were rummaged in garage and rest of the house IMG _is of the closet in the master suite, IMG : picture of bags taken from garage thrown in family and rummaged( cheque books missing) IMG : Downstairs room rummaged ( watches stolen) IMG 1646: picture of empty watch boxes upstairs)I do not have any paperwork from the assigned contracted who is supposed to do the workI have an estimate. A police report was filed immediatelyReport number ***
Regards,
*** ***
While she confirmed most my experience they were never able to further assist me which is why I had to find financing elsewhere which they were able to finance me in less than a week as I had all the documents and information ready at hand like I did with nationwideGiven my prior experience with Nationwide when I applied for a loan about years ago they have made few changes which I believe are not for the best and delays the process as it did in this scenarioThe fact that the customer service reps are unable to even provide a simple fax number correctly is beyond my understanding as this happened timesI hope that with this complaint Nationwide is able to properly train their staff and make changes for the betterMaybe next time I need a loan ill give them one more try however this one did not go according to their promise about how simple and fast their loans are.
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and after being an agent-less Nationwide customer for years was provided Richard T*** at ###-###-####I spoke with Jackie today at Richard's office who is going to review my policy and communicate back with meFeel free to close the complaint now that I have a local human to communicate with
Regards,
*** ***
I reviewed the response made by the business in reference to complaint ID ***, I have submitted documents required to contest VPI denial decision for my cat, *** This week, I reviewed the case with a VPI agent and one of their underwriters It was pointed out to me that while my cat, *** did have a rhinitis exclusion placed on her policy, there is no supporting documentation to have placed the exclusion She has never had rhinitis, nor a related diagnosis prior to the current office visit, therefore no pre-existing condition has occurred My vet's office is deeply involved in this case and has spoken in my defense with VPI They will support my Review of Claim submission with appropriate documentation I hope for a fair resolution of ***'s claim.Yes, ? did choose remove my other cat *** from VPI insurance Like ***, she's also been covered by VPI since under a "Superior" plan At the end of 2014, and the beginning of this year, she developed a serious illness and had to be hospitalized for over a week She required surgery and supportive careHer bill was approximately $5, but VPI paid less than 44% on the claims submitted I've paid more than double in plan payments than the amount reimbursed In my world, that's a terrible return on investment Having ***'s claim completely denied was the final straw, so I moved *** to another company's plan.In closing, I hope that we can reach a resolution in ***'s case No client wants to battle a company in order to receive fair treatment It's stressful and frustrating It's also bad business for VPI/NationwideToday, consumers not only have multiple choices regarding their purchasing choices, but the ability to rate companies on their customer experienceIt's much better for all parties involved to resolve issues quickly and easily I appreciate VPI's willingness to review ***'s claim and the Revdex.com for mediating
Regards, *** *** ***
This letter is in response to the complaint filed by Ms*** regarding the collection balance of herAuto policy.On January 30, 2017, the renewal for February 24, had calculated at $At the time ofrenewal, the vehicle on the policy was a T*** *** and Ms*** was the only
*SrAnalystNationwideEnclosures
driver ratedon the policy.On January 30, 2017, a statement was issued indicating that $119.03; $for the Auto plus a$installment fee was due by February 24, 2017.On February 20, 2017, a payment of $was received via bankcard.On February 28, 2017, a statement was issued indicating that $119.03; $for the Auto plus a$installment fee was due by March 24, 2017.On March 24, 2017, a payment of $was received via CheckFree banking service.On March 31, 2017, a statement was issued indicating that $119.04; $for the Auto plus a$installment fee was due by April 24, 2017.On April 14, 2017, a One Time Electronic Payment was processed for $119.04.On May 1, 2017, a statement was issued indicating that $119.03; $for the Auto plus a $5.00installment fee was due by May 24, 2017.On May 24, 2017, a One Time Electronic Payment was processed for $119.03.On May 31, 2017, a statement was issued indicating that $119.04; $plus a $installmentfee was due by June 24, 2017.On June 19, 2017, Ms*** signed up for automatic payments via electronic funds transfer and the$installment fee from the May 31, statement was waived, leaving $due by June 24,On June 19, 2017, Ms*** also replaced her T*** *** with a T*** ***,this caused a premium increase of $82.60.On June 23, 2017, a One Time Electronic Payment was processed for $114.04.Office of Customer Advocacy | One Nationwide *** *** | *** ** ***On June 28, 2017, a paperless statement was e-mailed to Ms*** indicating that $wasgoing to be automatically withdrawn from her bank account on July 24, 2017.On June 30, 2017, Processing added two accident surcharges to Ms***’s policyThesesurcharges caused an increase of $to Ms***’s policyThese surcharge points wereincorrectly charging on the policy mid-termSurcharge points are only to start charging on the nextapplicable renewalThe next applicable renewal in this case would have been the upcoming August24, renewal.On July 24, 2017, a payment of $was received via electronic funds transfer.On July 31, 2017, the renewal for August 24, calculated at $2,389.20.On August 1, 2017, a paperless statement was e-mailed to Ms*** indicating that $764.40($from the prior term surcharge points that were added, plus 1/6th of the current renewal$398.20, plus a $installment fee) would be automatically withdrawn from her bank account onAugust 24, 2017.On August 21, 2017, effective August 18, Ms*** lowered vehicle coverages on the 2012T*** *** which caused a reduction in premium of $770.20.Ms*** called in to Servicing on September 1, to cancel her Auto policy effective August 21,since she had obtained new insuranceThe policy was canceled and the unearned premium of$was placed back into the billing account leaving a balance of $as a collection.After reviewing the policy, since the surcharge points were added mid-term, we have made thedecision to remove the surcharge points which will credit the account $This adjustment willleave a credit on the account of $28.70, which will then be refunded to Ms***We have alsocontacted the CCS Collection Company and closed the collection accountTo date, nothing has beenreported to any of the credit bureaus and the Nationwide policy has been cancelled with a $0.00balanceWe apologize for the inconvenience this has caused.If you require further assistance, please contact Customer Advocacy Coordinator, Cathy D***r, at*** or by email at ***Sincerely,Jackie S
Nationwide received the Revdex.com complaint that was submitted on 11/3/Several business units will be involved, in order to resolve this caseUnfortunately, we will be unable to meet the initial deadline date of 11/9/Nationwide is asking for a day extension, or November 19, Please
confirm by responding to this email that the extension has been grantedThe resolution response will be provided earlier, if all issues have been addressed.Enjoy your day.Thank you Barb D***Customer Advocacy Coordinator W ###-###-#### | F ###-###-#### ***
We are in receipt of your request for information dated August 11, regarding the above referenced file.Based on the information provided, it appears Ms*** is disputing the reimbursement amount she receivedunder claim *** ***Our records show Ms*** had the Superior Plan for Austin
Please remember the Superior Plan worksexclusively with a benefit scheduleAll claims are processed in accordance with the terms of the policy contract,the diagnosis on the claim form, and medical records if submitted.On July 4, we received a claim for the treatment dates of July 2, to July 4, The claim formdocumented four diagnoses:VomitingCholangitisChronic partial extrahepatic bile duct obstructionChronic kidney diseaseThe claim was coded and processed based on the information providedThe Explanation of Benefits mailed toMs*** also included an information code explaining to submit medical records for possible additional benefitreview.As stated in section "Review" of the policy, the policyholder may request a review of any claim:"You may request a review: (1) if we deny your claim in whole or in part, or (2) to ask that we remove anexcluded condition listed on the Declarations Page or Renewal Certificate of your policyYour requestmust be in writingYou must provide us with all medical records and any other supporting documentationupon our reasonable requestWe will not review requests to remove any excluded condition unless thecondition has been cured for at least six (6) months before the date of your requestAll review decisionsare final."On July 27,we received a call from a representative of Massachusetts Veterinary Referral Hospital to seewhat additional information was neededWe explained medical records were necessary in order for us to reviewthe claim for additional benefits.Records were received on July 27,and the review completed August 14, The review determinedadditional benefits were eligible under claim 2***in the amount of $573.30.During the time the review was in process we received three additional claimsThose claims were also processedalong with the review and Explanation of Benefits and reimbursement checks will be mailed under separate cover.Ms*** stated in her complaint that she wants to be reimbursed for the $2,minus the $deductiblefor claim ***We feel we must refer Ms*** to section "Benefit Provisions - Plan En of thepolicy:4.A"We will pay reasonable and necessary veterinary services expenses for your pet's condition thatoccurs and is treated during the policy termTo be eligible for payment, your pet's condition must comewithin a primary diagnostic code listed on the Superior Plan Benefit ScheduleEach condition is eligiblefor payment under only one primary diagnostic code and any applicable secondary diagnostic code, perincident."4.B "The amount we will pay for any condition covered by this policy is determined by: ( I ) yourveterinary services expenses, (2) the Benefit Schedule, and (3) your deductibleWe will pay 90% ofcovered veterinary services expenses up to a maximum of 90% of the Benefit Schedule diagnostic codethat applies to your pet's condition, less your deductible."Should you require any further assistance in this matter, please contact our *** *** ***Janice K***, at ###-###-#### or via email at ***Sincerely,Ben W*** *** *** *** *** ***
I have attempted to contact this complainant, and am awaiting a responseThe Complainant's vehicle was towed because the vehicle had WV tags that had expired Apparently the apartment complex had the vehicle towed as it was not registered with them The vehicle has since been
dismantled and sold by *** *** *** ** We were able to inspect and determined that the only damage to the rear of the vehicle was to the bumper, bumper molding, and tailamp I disagree with complainant's premise that Nationwide is responsible for everything He is the owner of the vehicle and ultimately responsible to maintain registration and insurance on the vehicleAttempting to resolve the damages, will adviseRegards, Leonard P***
Dear Ms***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding her concernswith the above referenced policy with Nationwide Affinity Insurance Company of AmericaWe havereviewed the concerns expressed by Ms*** and will attempt to address them in the letter.*** *** has a personal auto policy with Nationwide Affinity Insurance Company of America.On January 4, 2015, Ms*** lost control of her *** *** on icy roads, striking a treeand a rock in a yard, and flipping the vehicle onto its top, with resulting damages so severe it wasconsidered a total loss.The complainant believes the *** *** she was driving at the time of theaccident failed due to a mechanical malfunctionShe indicated that the adjuster whocompleted the inspection did not check for mechanical issues.In review of the file notes and documents for the above referenced claim, we were not made aware ofany mechanical issues on Ms***’s *** ***Nationwide was contacted on May 11,2016, a year and four months after the date of the loss by Ms***, inquiring as to her rate increaseand suggesting this loss was due to a mechanical failureThe vehicle was sold by *** *** on April 20, and this vehicle is no longer in Nationwide’s possession to verify Ms***’sclaim on the mechanical failure theory for the loss.The complainant believes the accident was initially listed as not-at-fault and was changed toan at-fault accidentShe also raised a concern regarding not being notified that payment wasmade for property damage to the claimant without her knowledge.On January 5, a recorded interview was conducted with Ms***, in which she indicated thatshe had lost control of her vehicle due to ice and snow, and struck a tree and a rock.Once the statement was received from Ms*** and the police report confirmed the accident, EricN***, the Nationwide Claims Adjuster indicated the chargeability of this accident as “at-fault”, whichwas one day after the date of lossThere were no notes in the claim where this accident was not-atfaultor non-chargeable.The investigation found the resulting damage to *** ***s property totaled $ 2,andNationwide handled the payment of the damages.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D***at ###-###-#### or by email at ***Sincerely,Nan Q***Claims Specialist IIINationwide###-###-####***
Thank you for the opportunity to review and respond to Ms***’s complaint regarding her homeowner policy written through Nationwide Insurance effective October 23, 2014.The basis of her complaint is the increased premium on the policy since released by the agencyThe policy when bound had a
coverage amount of $168,with a premium of $Nationwide uses a vendor inspection company to review the premises in an effort to determine if a premise is free of hazardous situations and the components of the home and other structures on premises are in good repairThe reviews are also completed to make sure that the insured has adequate coverage to reconstruct the dwelling if destroyedThis is done through taking measurements of the residence and making observations of the construction features of the homeOnce obtained, the features of the home and measurements are placed into a reconstruction cost calculator for determination of the cost to reconstruct.Upon completion of the inspection, the calculated reconstruction cost on the home was $277,The review was completed on November 19, which was within the first days of the policy contractThe first days of a policy has a provision called the discovery periodThe discovery period is used to complete the underwriting processThe insured was notified of the coverage discrepancy on December 19, The letter mailed to the insured advised that the coverage would be increased from $168,to $272,effective October 23, 2014, the inception date of the policyI can see no response from the insured until early July Since that time, there have been multiple changes to the reconstruction costI have reviewed the vendor inspector’s measurements which are largely correct with the exception of the insured attached guest suiteThe reconstruction estimate has been corrected, coverage lowered and premium amendedEach time a change is made to the amount of coverage a new declarations page was mailed to the insured showing the change was effective October 23, 2014. On July 28, the policy deductible was changed from $to $The change in deductible will reduce the premium amount for the coverage amountThis change was effective July 28, The first days of the contract had a $deductible which would mean the premium was higher than the $which the insured is making her calculations in the complaint fromFrom July 28, through the present date, the premium is based upon a $deductible which is where the difference in the refunds to the premium appears to be.We hope the response is beneficial in explaining the insured’s concernsIf anything additional is needed, please contact Sharon W*** at *** or via phone at ###-###-####.Sincerely,Thomas P*** *** *** ***