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Ziolkowski Construction, LLC

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Ziolkowski Construction, LLC Reviews (272)

Please be advised that our inspection of the complainant's vehicle revealed that the damages exceeded the value.  Accordingly, the vehicle was deemed a total loss.  The complainant's file was subsequently transferred to our Total Loss Department where the actual cash value of the vehicle...

would be obtained and discussions of settlement would begin.  Please note that our inspection of the complainant's vehicle also revealed damages that were not related to this loss.  These damages are taken into consideration when determining the actual cash value of the vehicle.  On January 4, 2017, the handling adjuster contacted the complainant and a settlement offer in the amount of $565.60 was extended.  This amount reflected a CCC value of $2173.00, less $1357.40 in unrelated damages, less the complainant's $250.00 deductible.  The complainant did not accept our offer.  In regards to the complainant's claim for rental reimbursement, we are in receipt of the complainant's rental invoice and upon completion of our review, the complainant will be contacted and advised of settlement.  We await further contact from the complainant regarding the total loss settlement of the vehicle.  Should you have any further questions, please feel free to contact me.

Mr. [redacted] purchased a policy with Founders on 3/5/16. His application did not disclose all moving violations as required. Mr. [redacted] submitted a claim to Founders on 4/29/16 at which time a coverage investigation commenced. Mr. [redacted] policy has been rescinded based on the undisclosed moving...

violations.

Please be advised that the complainant in this matter is not our consumer but rather a third party claimant pursuing damages against our insured's policy for insurance. Upon our notice of this loss, the handling adjuster immediately began an investigation into this matter.  Please be...

advised that our inspection of the complainant’s vehicle revealed that the damages exceeded the value.  Accordingly, the vehicle was deemed a total loss.  Upon completion of our investigation into coverage for this loss, the complainant’s file was referred to our Total Loss Department where the actual cash value of the vehicle would be obtained and discussions of settlement would take place. On March 31, 2017 the handling adjuster spoke with the Complainant who advised that the file was now with the Total Loss Department and that upon completion of our valuation, she would be contacted regarding settlement. While completing our evaluation of the complainant’s vehicle, we noted that the appraiser, [redacted] of PDA East St. Louis, noted that there was prior damage to the vehicle in the form of “cracked fenders.”  An estimate for the cost to repair the damaged fenders was subsequently written and was completed on April 12, 2017.  On April 13, 2017, the handling adjuster received the requested information needed to complete our evaluation.  The actual cash value of the vehicle was $77.01 after the appropriate deduction for prior damage and the salvage value of the vehicle. This amount reflects a CCC Value of $1,469.00 less unrelated damage of $1,278.99 and a $113.00 salvage deduction.  In an attempt to resolve this matter, the handling adjuster extended a settlement offer in the amount of $200.00.  The Complainant rejected our offer and requested to speak with a member of management.   I spoke with Ms. [redacted] briefly and explained that the unrelated damage does adversely affect the value of the vehicle.  The Complainant advised me that she recently purchased a battery for the car and a new tire so that all the tires had matching whitewalls. I advised the Complainant that I would review the file and would get back to her with a response.  Upon my review I discovered that the independent appraiser noted that the unrelated damage would total $949.08.  While no estimate was provided I used this amount in an attempt to resolve this matter with the Complainant.  Additionally, the Complainant advised me that the new tire cost her $100 and I added that to the value of her vehicle. I contacted the Complainant and extended a revised offer in the amount of $506.92. The Complainant advised me that she will not be accepting. Correspondence was mailed to the Complainant providing a breakdown of the offer.  I have attached a copy for your review.  Should you have any additional questions regarding this matter, please feel free to contact me directly.

The Complainant has been contacted, and our position on liability has been explained.  Our position remains the same.

Our policy holder admits to seeing the parked vehicle, then backing, and striking the parked vehicle.  The insured vehicle was the only vehicle moving at the time of impact.  The other vehicle was parked.  The insured is therefore majority at fault for the loss, for hitting a parked...

vehicle.  We considered that the parked vehicle was illegally parked at the time.  The parked vehicle owner admitted to having no handicap placard and store security confirmed that the parked vehicle was improperly parked.  For this reason, 20% comparative negligence was asserted against the parked vehicle owner.  Our insured does not have collision coverage which would allow her to repair her vehicle under her own policy, and because she is majority at fault, the other carrier would unlikely agree to pay any portion of her damages.  With regard to the complaint, we are very sorry that the insured is unhappy with the liability determination,  We do not like to see our customer upset or inconvenienced, and do our utmost best to make proper decisions.

Please be advised that the complainant in this matter is not our consumer but rather a third party claimant pursuing a claim for damages against our insured's policy.  As the complainant indicated, they did not receive the initial settlement check for reimbursement of rental...

costs.  Payment has been re-issued and the complainant picked up the settlement check from our office on October 18, 2016.   Founders Insurance Company does apologize for the delay in having the settlement check re-issued and for any inconvenience caused to the complainant.  Should you have any additional questions, please feel free to contact me.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 1[redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Our file reflect that a message was left with the insured customer regarding total loss but that we did not get a return call.  We will reach out again to Mr. [redacted] at the number provided to resolve his total loss claim.  Thank you bringing this matter to our attention and we...

apologize if his calls have not been routed to the correct handling adjuster.

The Complainant is a third party claimant pursuing a claim against our Insured's policy.  After completing her investigation and obtaining all of the proof of damages needed to evaluate the Complainant's claim, the handling adjuster called the Complainant to discuss settlement on August 23,...

2016.  Unfortunately, the adjuster was only able to leave a voice mail message wherein she advised she was sending the settlement check along with a copy of the estimate.  This has been done and we consider this matter closed.

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

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

Complaint: 11589126
I am rejecting this response because:As an insurance company, it is their job to require their clients to cooperate in matters such as these. If their client does not cooperate, that is their problem, not mine! The vehicle is insured under their company, therefore they should be responsible for fixing damages done to my vehicle regardless of who was driving it, considering the vehicle insured under them was 100% at fault! That's a problem they need to take up with their client, I shouldn't have to suffer because he won't cooperate! And Of course the client isn't going to cooperate because his son, whom has many tickets, was the driver! That's why the vehicle wasn't insured in his sons name to begin with! This is fraudulent practice when all an insurance company has to do to deny a claim is say their client isn't cooperating!!!! 
Sincerely,
Sarah [redacted]

Please be advised that the complainant in this matter is not our consumer but rather a third party claimant pursuing a property damage claim against our insured's policy.  Our inspection of the complainant's vehicle revealed that the damages exceeded the value.  Accordingly, the...

vehicle has been deemed a total and the file transferred to our Total Loss Department for further handling.  Founders Insurance Company does apologize for the delay in processing the complainant's claim.  The actual cash value of the vehicle has been obtained and the handling adjuster will be in contact with the complainant shortly to discuss settlement of this matter.  Please feel free to contact me with any questions.

The Complainant had traffic violations that were not disclosed to Founders Insurance Company when she applied for insurance.  The Company is investigating this coverage issue, and the Complainant will be informed of our decision on coverage as soon as possible.

Please be advised that the complainant in this [redacted]er is not our consumer but rather a third party claimant pursuing a claim against our insured's policy.  Upon our notice of this loss, the handling adjuster immediately began an investigation into this [redacted]er.  Our investigation into the...

facts surrounding this loss revealed that our insured was the proximate cause of this loss. An inspection of the third party’s vehicle determined it was a total loss on October 31, 2016. The adjuster obtained authority to transfer the file to the total loss adjuster. The total loss adjuster made an offer on November 16th which was accepted. The title was received on November 21st and payment issued the same day. Should you have any further questions, please feel free to contact me.

We have accepted 100% liability on behalf of our insured, and the Complainant has been contacted and her claim settled.  If the Complainant is unable to locate a rental vehicle for $21 per day, she should contact the adjuster who will try to locate one for her.  If he is unable...

to locate a vehicle for that amount, we will conform to the rate for basic transportation in the Complainant's area, and we will pay this amount until her vehicle is repaired.  Rentals are handled on a reimbursement basis.  When the Complainant returns the rental she should send us the receipt, and we will reimburse her.

The Complainant is a third party claimant pursuing claims against our Insured's policy.  An offer was made to her on May 11, 2016 to settle her property damage claim in the amount of $1,836.86, which was accepted.  A copy of her title was requested to prove ownership prior to the check...

being issued, and she was informed of the location of her vehicle so that she can retrieve her personal effects.  Regarding the her personal injury claim, she has retained an attorney, and we are awaiting the attorney's demand packet.

The Complainant is a third party claimant who was involved in an accident with our Insured and two other third party claimants.  It was necessary for us to determine the property damage for all of the claimants to ensure our Insured's policy limit was enough to cover all of the...

damage.  Illinois is not a first come first serve state.  As an insurance company we are required to attempt to settle all claims within an insured's policy limit or defend him or her.  If there are multiple claimants and the aggregate amount of damages exceed the limit, claims must be settled on a pro rata basis.  [redacted] was one of the third party claimants, and she did not take her vehicle to a shop for an estimate until February 8, 2016.  We have now determined that all of the damages fall within our Insured's limit.  However, while the handling adjuster has spoken to our Insured twice, we don't have enough details on the accident to accept total liability for all of the damages.  There is a language barrier, so a Spanish speaking adjuster will follow up with him.  A police report has also been ordered.  Upon obtaining a complete statement from our Insured or obtaining the police report, if it provides enough information, the Complainant will be contacted.

April 7, 2016 Revdex.com of Chicago & Northern Illinois RE:COMPLAINT:         Revdex.com CASE [redacted]                      Dear Sir or Madam,  Thank...

you for your letter dated  4/6/16.We regret that there is no coverage for the loss.  We were unable to resolve a pending coverage issue due to our insured's lack of cooperation.  We have denied coverage due to violation of the policy condition.  Ms. [redacted] was advised previously to contact her carrier for assistance and resolution of her claim.  Thank you for bringing this matter to your attention and providing us an opportunity to responding to Ms. [redacted] complaint.  Sincerely, [redacted] Personal Lines Claims Unit Manager

The Complainant is a third party claimant pursuing a claim against our Insured's policy.  An unscheduled driver was driving our Insured's vehicle at the time of loss.  We needed to discuss this coverage issue with our Insured, but he failed to cooperate.  Therefore, coverage was...

denied for this reason.

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Address: 94 Cumberland Avenue, Verona, New Jersey, United States, 07044

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