Ziolkowski Construction, LLC

Please be advised that the handling adjuster was able to speak with the complainant on May 24, 2016.  A settlement agreement has been reached and upon our receipt of the properly executed release, payment will be issued.

Please be advised that the complainant in this matter 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 matter.  Our investigation into the...

facts surrounding this loss revealed that while our insured was the proximate cause of this loss, they were not 100% responsible.  Accordingly, the complainant was contacted on May 13, 2016 and was advised that we were accepting 60% liability for this loss.  The complainant advised that they were pursuing their damages through their own carrier.  Upon our receipt and review of the subrogation demand from the complainant's insurance carrier, discussions of settlement began.  On August 16, 2016, the handling adjuster reached a settlement agreement with [redacted] for the property damage and payment was issued.  The settlement amount included the complainant's out of pocket rental expenses as provided by [redacted].  In regards to any claim for bodily injury, we request that the complainant submit detailed medical records and itemized bills for our review.  Upon our receipt and review of this information, the complainant will be contacted.  Should you have any further questions, please feel free to contact me.

We settled the total loss of the vehicle on 9/27/16 and issued payment of $11,061.42 to Ms. [redacted] lien holder.  The payment was cashed.  We do not understand what paperwork the insured claims she needs for her lien holder and we have not been contacted to provide anything...

additional to her lien holder.  The adjuster has attempted to reach Ms. [redacted] and left a message.  We would ask that if something additional is needed that the insured or her lien holder call or submit the request.  We will do whatever we can to assist her.

On March 9, 2017 the Complainant, an insured, reported that she was involved in a 1-car loss on March 2, 2017.  There was a recent lapse in coverage from February 28 to March 1, which presented a coverage issue that needed to be investigated to ensure that the Complainant's...

policy was in force when the loss occurred.  In the meantime, an appraiser was assigned to inspect her vehicle.  The handling adjuster approved coverage after her investigation, but during the time it took to complete the investigation, storage had accrued at a dealership where the Complainant's vehicle was located.  It was decided that the most efficient and cost effective way to resolve this issue and get the vehicle repaired was to have the repairs done at the dealership.  An estimate was requested from the dealership, but they never complied.  Therefore, we paid the storage fees and had the vehicle moved to a recommended shop.  On April 25 the Complainant was contacted and her claim settled.

The Complainant is an insured who reported that his vehicle was hit while parked on April 20, 2016, and arrangements were made for him to take his vehicle to a recommended shop for an estimate and photos.  The handling adjuster also called him on April 22 to obtain more details on the...

loss, and the adjuster subsequently received a call from the Complainant on May 3.  The Complainant wanted to know the status of his claim, and the adjuster informed him that he had not yet received the estimate and photos.  The adjuster advised that he would call the shop, which he did.  The adjuster was told by the shop that the estimate would be sent right over.  The estimate was received on May 5, but photos did not accompany the estimate, which were needed to determine the accuracy of the estimate.  The adjuster contacted the shop for the photos, and the shop informed the adjuster they would be sent.  On May 11 the Complainant called for status, but the photos had not yet been received.  The adjuster advised the Complainant that he would follow up with the shop again.  The adjuster did so and was informed by the shop that they were having technical difficulties.  After receiving this news the adjuster called the Complainant back on May 11 to inform him.  The photos were received today, and they are being reviewed in conjunction with the estimate.  Upon completion of the review, the Complainant will be contacted.

The Complainant's claim has been reviewed.  She will be contacted by the handling adjuster today to discuss settlement.

Complaint: 11696859
I am rejecting this response because:if I'm going to put junkyard parts on my vehicle,  then I wouldn't have wasted time filing a claim with the insurance company.  claim was filed so vehicle would be fixed properly and with new parts only
Sincerely,
Ken [redacted]

The Complainant is a third party claimant pursuing our Insured's policy.  On June 8, 2016 the handling adjuster reviewed a subrogation demand from a third party administrator, [redacted], representing the Complainant's insurance company.  The proofs in the demand packet...

submitted by [redacted] did not match the amount demanded.  It also included a demand for reimbursement for a rental vehicle, but the packet was missing the rental receipt.  The adjuster sent a letter requesting additional documentation substantiating [redacted]'s demand including the rental receipt.  Upon receiving all of the proofs necessary to evaluate the claim, the handling adjuster did so and called Miranda at [redacted] to discuss settlement on August 11.  Unfortunately, the adjuster was only able to leave a voice mail message for a return call.  On August 16 the adjuster received a message from Miranda, but when she returned the call she was only able to leave another message.  On August 30 the Complainant was informed of the status of the claim, and she responded by advising she would contact Miranda.  On September 1, 2016 the adjuster spoke to Miranda who rejected the adjuster's offer.  She later asked for a copy of our estimate, which was sent to her on September 1.  The adjuster is awaiting Miranda's response.

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]

Please be advised that upon our notice of this loss, the handling adjuster immediately began an investigation into this matter.  The complainant had their vehicle taken to a shop of their choice and an appraiser from Founders Insurance Company was sent to inspect the vehicle.  Our initial...

inspection revealed that the vehicle needed to be torn down for further inspection to verify that the vehicle was repairable.  The handling adjuster spoke with the complainant on September 29, 2016 who advised that they would contact the shop and authorize the tear down of the vehicle.  On October 4, 2016, the handling adjuster received a call from the complainant's shop and stated that they attempted to contact our staff appraiser for a re-inspection of the vehicle however the appraiser was on vacation.  An assignment was made for another staff appraiser to inspect the complainant's vehicle.  Upon our receipt and review of the complainant's damage estimate, repairs were authorized and payment was processed on October 24, 2016.  In regards to the complainant's claim for rental reimbursement, please be advised that the complainant did not purchase rental coverage through Founders Insurance Company.  However, we would be willing to review the complainant's rental receipt to determine if any additional compensation is warranted and therefore request that the complainant submit his paid rental receipt for our review.  Should you have any additional questions, please feel free to contact me.

We provided a fair offer based on the actual cash value of the vehicle less the salvage value.  Mr. [redacted] indicated he was not accepting the offer.  Please be advised that we are not required to take the vehicle salvage.  The total loss offer of $2082.90 is the value less...

salvage.  The claimant may sell, donate, keep, or repair the salvage based on his wishes, but the state does require for him to file for a salvage title.  We await his response.  Thank you.

We relied upon the Complainant's disclosures on her application to underwrite the risk.  Coverage remains under review, and we will notify the Complainant of our disposition when a decision has been made.

The Complainant is a third party claimant who went through his own insurance company, [redacted] Insurance Company, to have his vehicle repaired.  Therefore, we had nothing to do with the alleged faulty repairs to his vehicle.  We just received a subrogation demand from [redacted] on April 3,...

2017, but we need additional documentation from them to complete an evaluation of their claim.  It has been requested, and upon receipt of this additional documentation the claim will be evaluated and they will be contacted.

The Complainant is a first party insured who reported her 2008 [redacted] was stolen.  An investigation was conducted, which included obtaining a statement from the Complainant wherein she stated that she had the key to the vehicle in her possession.  The security system of...

the Complainant's vehicle is such that the engine can only be started with a properly programmed key, and a forensic examination of the Complainant's vehicle revealed that the vehicle was last driven with the use of a properly-programmed key.  Additionally, there were no signs of forcible entry, which is defined as making "felonious entry by actual force and violence evidenced by visible marks or damage to or on the ignition system, steering column, or the premises on which the automobile is garaged."  In the event of a theft, the Founders Insurance Company policy issued to the Complainant excludes coverage if there is no forcible entry and if the keys are left within the vehicle.  Therefore, coverage was denied, and our position remains the same.

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.
I think that things could have been handled better. Communication from the adjusters, customer service and supervisors was sub-standard.  It is unfortunate that the only way to get a resolution is to put a complaint into Revdex.com.
Jasmine [redacted]

It is necessary for our Insured to cooperate fully with us.  It is not enough that the Complainant is able to contact her.  Therefore, our denial stands.

The Complainant is a third party claimant pursuing a claim against our Insured's policy.  On March 27, 2017 our Insured reported that he had been in an accident, but he did not provide us with any of the Complainant's information.  On March 28, 2017 we received an online loss report filed...

by the Complainant and one of our claims service representatives attempted to contact him the same day.  Our file reflects that when she called him someone picked up but the call was disconnected.  On March 30 the Complainant called, and an assignment was made for an appraiser to inspect his vehicle and write an estimate.  On March 31 the handling adjuster returned a call to the Complainant who informed the adjuster he had rented a vehicle.  The adjuster explained that we pay for rentals, but it is on a reimbursement basis.  The adjuster also explained that she had not yet received the estimate on his vehicle but would call him upon receipt; we have not received the estimate yet.

Upon our notice of this loss, the handling adjuster immediately began an investigation into this matter.  A coverage issue was identified as the reported date of loss needed to be verified.  Accordingly, a coverage investigation commenced.  Upon completion of our investigation into...

coverage for this loss, Founders Insurance Company determined that coverage would be afforded for this loss.  With coverage resolved, the handling adjuster turned their attention to the damages being claimed.  The complainant has advised that damages to both the left rear quarter panel and the right rear quarter panel are as a result of this accident.  However, our review of the damages revealed that only the left side damages are related to this loss.  Accordingly, the handling adjuster contacted the complainant and extended a settlement offer in the amount of $2437.45.  This amount reflected the damage estimate in the amount of $2795.86 less the complainant's $250.00 deductible, less betterment of $108.41 due to prior bumper damage.  International Auto Rebuilders located at 931 N. Kedzie Avenue in Chicago IL can repair the vehicle per this estimate.  The complainant has rejected our offer.  Our settlement offer is still available should the complainant choose to accept.  Please feel free to contact me with any additional questions.

We received first notice of loss from our Insured on November 30, 2015, and a letter was mailed to the Complainant on that date along with an accident report form.  The Complainant called later the same day and she was informed of the claims process.  The handling adjuster...

returned her call on December 4, and after obtaining her statement on the facts of loss, the adjuster explained she would contact her after completing her investigation.  The adjuster exchanged e-mails with the Complainant on December 9, and her claim was settled on December 16.

The Complainant filed a claim with us on May 25, 2016.  Arrangements were made to have Complainant take her vehicle to an area shop for an estimate, which was done on May 27.  Upon receipt of the estimate a staff appraiser reviewed it for accuracy, and the Complainant was...

contacted  and her claim was settled.