Ziolkowski Construction, LLC

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

loss was reported to Founders Insurance Company on March 1, 2016 by the complainant.  In order to proceed forward with our investigation, a statement was needed from our insured.  This was further necessitated as there was no police report filed for this accident.  Unfortunately, our initial attempts to contact our insured were unsuccessful.  Our attempts to contact our insured continued. Upon securing the necessary statement from our insured, the handling adjuster attempted to contact the complainant on April 20, 2016 to discuss settlement of this matter.  Unfortunately a message had to be left for a return call.  No further contact has been received from the complainant to date.  The handling adjuster made an addition attempt to contact the complainant on May 4, 2016 and an additional message was left for a return call.  Founders Insurance Company currently awaits further contact from the complainant.

Upon first notice of loss the handling adjuster immediately recognized a coverage issue, as the individual reported as the driver of the insured vehicle was not scheduled on our Insured's policy.  A coverage issue arises when there is a possibility that an insured, a first party to the...

contract, has not complied with all of the conditions of the insurance contract.  Provided an insured has complied with all conditions of a contract, an insurance company, the second party to the contract, has a duty to indemnify.  The Complainant is a third party, and liability is a moot point if there is no coverage.  An investigation was conducted, which included our Special Investigation Unit, and upon conclusion of our investigation, it was determined that we will afford coverage.  The Complainant's vehicle has been deemed a total loss, and a total loss adjuster will be in contact with the Complainant to advance his claim forward.

Please be advised that the handling adjuster has forwarded the claim to the total loss department.  The total loss adjuster will contact the complainant regarding settlement offer was extended.  Upon acceptance the adjuster will contact the vehicle lien holder to...

obtain the necessary documents.  Forms for settlement will be issued and must be returned to include a power of attorney form.  Upon our receipt of the lien holder documents and the properly executed power of attorney, payment will be processed.  Founders Insurance Company does again extend our apologies to the complainant for any inconvenience during this claim process.  Should you have any additional questions or concerns, please feel free to contact us.

Please be advised that the handling adjuster has contacted the complainant and a settlement offer was extended.  The complainant has accepted the offer and the handling adjuster is currently working with the vehicle lien holder to obtain the necessary documents to proceed with settlement.  In addition, a power of attorney form has been sent to the complainant which needs to be completed and returned.  Upon our receipt of the lien holder documents and the properly executed power of attorney, payment will be processed.  Founders Insurance Company does again extend our apologies to the complainant for any inconvenience during this claim process.  Should you have any additional questions or concerns, please feel free to contact us.

Please be advised that the unrelated prior damage does factor in to the overall value of the vehicle.  As previously explained, the base value of the vehicle was $1773.00 however there was $1848.82 in unrelated damage.  Founders Insurance Company has extended a settlement offer of $200.00 in an attempt to resolve this matter and our position remains the same.  Our settlement offer is still available to the complainant should he choose to accept.

Complaint: [redacted]
I am rejecting this response because:The amount of $1487.83 they offered for a settlement is ridiculous. This would barely cover damage to the body and would not cover all the mechanical issues. I've had three estimates for damages, all around $2000, and all stating that covers what they can see but there is more unknown damage that won't be realized until the car is raised in the air which it never was. I never accepted the settlement offered by Founders. They told me they are sending me a check as a settlement, which I won't accept (and never agreed to accept).I have since contacted my insurance company to get the repairs complete. The adjuster from Founders repeatedly lied over the phone to me then tried to force me to accept their low offer of a settlement. I can't believe Founders or the adjuster would treat another person the way you treated me. Founders is a horrible, unethical company.My vehicle will be repaired without any inconvenience to me and Founders WILL pick up the "FULL AND FINAL" tab.
Sincerely,
[redacted]

Please be advised that the complainant in this matter is not our consumer but rather a a third party claimant pursuing a claim for property damage against our insured's policy.  The complainant has had his vehicle repaired through his own carrier, Progressive.  We are in receipt of claim...

documentation from Progressive which has been reviewed and a settlement offer extended.  Progressive has advised that there is additional documentation that they need to submit.  Once this additional documentation is received and reviewed, the handling adjuster will contact Progressive to continue settlement discussions.  Should you have any additional questions, please feel free to contact me.

Please be advised that upon our notice of this loss, the handling adjuster immediately began an investigation into this matter.  The complainant is attempting to pursue a claim through their policy with Founders Insurance Company for damages to their vehicle.  However, a review of their...

declaration page revealed that they did not purchase collision coverage with Founders Insurance Company.  Accordingly, Founders Insurance Company will be unable to assist the complainant with the repairs to their vehicle.  Should you have any additional questions, please feel free to contact me.

The Complainant is a first party insured who was involved in an automobile accident on October 15, 2016.  Arrangements were made for an appraiser to write an estimate on the damage to the vehicle, and the handling adjuster began her investigation to verify coverage and to determine...

how the accident occurred.  After the appraiser inspected the Complainant's vehicle and completed his estimate, he recommended that the vehicle be moved to a recommended shop, which the Complainant agreed to.  In the meantime, a coverage issue developed that needed to be resolved prior to settlement of the claim.  The file was reassigned to another adjuster for further handling, and the new adjuster has now completed her investigation.  From the time the loss was reported, we maintained an open line of communication with the Complainant.  Claim representatives have spoken to him and his wife nine times, and a voice mail message was left for him on another occasion.  With the completion of our investigation and evaluation of his claim completed, the Complainant will be contacted as soon as practicable to resolve his claim.  Also, the Complainant complained about us not paying for a rental.  The Complainant does have rental coverage on his policy in the amount of $25 per day up to a maximum of 15 days, or $375.  It is on a reimbursement basis, so if the Complainant choses to rent a vehicle, he should send us a copy of the rental receipt when he returns the rental.

Please be advised that upon our notice of this loss, the handling adjuster immediately began an investigation into this matter.  A coverage issue was identified as there was a lapse in coverage from 11/7/15 until 11/9/15.  The complainant reported that she struck an animal on 11/11/15 and...

no police report was filed.  Accordingly, a coverage investigation has commenced to verify the reported date of loss.  The complainant's file is currently with our Special Investigation Unit who is attempting to verify the reported date of loss.  Upon completion of our investigation, the complainant will be contacted and advised of the outcome of said investigation.  Should you have any additional questions, please feel free to contact me.

Please be advised that upon our receipt and review of the complainant's claim for rental reimbursement, the handling adjuster proceeded with settlement of this matter on January 29, 2016.  Unfortunately, an error was made in the processing of the payment.  Founders Insurance Company...

apologizes for the delay in processing the complainant's claim for rental reimbursement however, this error has been corrected and payment was mailed to the complainant on February 9, 2016 in the amount of $235.56.  This amount reflects 100% of the complainant's out of pocket rental expenses.  Please feel free to contact me with any additional questions.

Complaint: [redacted]
I am rejecting this response because: This is contradictory to what I was told by several people who work at this business. 
Sincerely,
Jason [redacted]

The Complainant is a third party claimant pursuing a claim against our Insured's policy.  His vehicle is a 2003 [redacted] with 203,889 miles on it and has been deemed a total loss due to the accident.  We have obtained a market valuation report on the vehicle, which returned...

a value of $1,447.  On August 12, 2016 the total loss adjusters assigned to this file attempted to contact the Complainant at two different numbers to discuss settlement, but she was only able to leave voice mail messages.  Since the adjuster could not speak to the Complainant she sent an offer letter to him after leaving the messages, but he has not responded.  A review of the file shows that the letter was sent to the address we were provided with by the Complainant.  The adjuster will make another attempt to contact him.

We received first notice of a theft loss from the Complainant on May 2, 2016.  The handling adjuster immediately began his investigation, and later our Special Investigation Unit became involved.  A forensic specialist was also enlisted to assist with the investigation, and his...

inspection of the Complainant's vehicle resulted in a determination that there was no forcible entry to gain access to the vehicle, and the vehicle was last driven with a properly programmed key.  Given that the Complainant had said in an interview that she had two sets of keys both of which were accounted for, Founders Insurance Company denied coverage based on two exclusions in the policy issued to her.  These exclusions preclude coverage if there was no forcible entry, if the keys were left within the vehicle, and if evidence indicates the ignition wiring was not altered or changed to allow the operation of the automobile without keys.  Our file reflects that the adjuster did return calls to the Complainant throughout the process, sometimes only able to leave messages and other times speaking with her.  When a decision was made to deny coverage, a denial letter was sent to her.

Upon our notice of this loss, the handling adjuster immediately began an investigation into this matter.  A review of the complainant's Motor Vehicle Record (MVR) revealed moving violations that were not disclosed on the application for insurance.  Accordingly, a coverage...

investigation commenced.  Founders Insurance Company is currently reviewing coverage for this loss as the omission of this information on the policy application does present a potential coverage issue.  As soon as our review of coverage for this matter is complete, the complainant will be contacted and advised accordingly.

Please be advised that our position remains unchanged from our previous response.  Founders Insurance Company will be continuing settlement negotiations with Progressive upon our receipt and review of the additional documentation.  Founders Insurance Company will contact the complainant with status once this is completed.

The Complainant is a third party claimant pursuing a claim against our Insured's policy.  The handling adjuster conducted an investigation, which included obtaining the Complainant's account of the accident on August 19, 2016.  Afterwards, the adjuster informed the Complainant that she...

would have to await the police report or obtain our Insured's statement before making any commitments.  We received the police report on September 1, and the adjuster obtained our Insured's statement on September 2.  There were conflicting accounts, and there were no citations issued by the police officer who investigated the accident.  Our Insured was traveling north on Roselle Road in Palatine executing a right turn, and the Complainant was traveling south making a left turn.  The Complainant stated that she had a green arrow, but our Insured stated that she had a solid green light.  Therefore, the adjuster has denied liability to the Complainant; our position is that the Complainant's actions proximately caused this occurrence.

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.  Upon our notice of this loss, the handling adjuster immediately began an investigation into this matter. ...

Correspondence was mailed to the complainant advising of her duty to mitigate her damages in regards to any accruing storage fees for her vehicle.  Our inspection of the complainant's vehicle revealed that the damages exceeded the vehicle's value.  Accordingly, the vehicle was deemed a total loss and the complainant's file transferred to our total loss department where the actual cash value of the vehicle would be determined.  The handling adjuster contacted the complainant as the vehicle's mileage needed to be verified and supporting documentation was requested.  Upon our receipt of proof of vehicle mileage, the complainant's husband was contacted and a settlement offer was presented.  The handling adjuster explained that the complainant has the option of having Founders Insurance Company retain the salvage however, if the vehicle is still accruing storage fees they would be responsible for those fees as they were advised of their duty to mitigate their damages.  Mr. [redacted] advised that he would discuss this with the complainant and get back to us with a reply.  The complainant contacted the handling adjuster and advised that they would like to settle with Founders Insurance Company retaining the vehicle.  The complainant was again advised that Founders Insurance Company can retain salvage however any accrued storage fees must be paid for before settlement can be completed.  The complainant disagreed and the call ended without an agreement being reached.  Our settlement offer of $5341.00 is still available should the complainant choose to accept.  Please feel free to contact me with any additional questions.

The Complainant is an insured who on February 6, 2016 reported that she was involved in a loss on February 2.  Her vehicle was deemed a total loss as a result of the accident, and the claim was transferred to our Total Loss Department on February 13.  An adjuster called the Complainant on...

February 14, but she was only able to leave a voice mail message for a return call.  On February 15 the adjuster called the Complainant with a settlement offer, but unfortunately, the adjuster was only able to leave another voice mail message.  Subsequently, the adjuster sent an offer letter.  On February 20 the Complainant contacted another adjuster stating that she would like to accept the offer, and on February 22 the total loss adjuster called her but was only able to leave a message for a return call.  The Complainant returned the call the same day, and the adjuster requested the title explaining that upon receipt, payment would be issued.  The title has been received, and payment will be issued.

The Complainant has been contacted and an offer has been tendered.  We are presently waiting for her lien holder to send us a copy of the title to issue payment.