Ziolkowski Construction, LLC

Dear Sir or Madam,We are terribly sorry for the delay in this claim. Ms*** did not receive prompt timely service and we regret every frustration and inconvenience that we have caused in this matter. We will be pleased to provide additional rental time to ease her burden as the
delay is our fault. Additionally we have reviewed our procedures in hopes that that this does not happen in the future. We thank Ms*** for bringing this to our attention. We again apologize for the delay in handling her claim. Thank you.Warmest regards,Allison ***Claims Manager

Regretfully our insured has not reported or cooperated in the investigation of coverage or claim. This loss was reported by Ms***. There is no police report. We are not able to resolve the claim because our insured has not responded. We cannot confirm the facts of loss
and that our insured is at fault. There is no evidence at this time. Additionally, we do not insure the vehicle and cannot confirm whether the vehicle would qualify for coverage. Ms*** has been explained and when she contact a supervisor, her call was returned. Unfortunately when the supervisor attempted to explain the coverage issue, Ms*** disconnected the call. The supervisor called back but reached voicemail and was forced to leave a message. Since we have no cooperation from our insured which is a violation of the policy conditionswe will move forward with a denial of coverage, thereby allowing Ms*** to seek Uninsured Motorists coverage if she has that coverage on her policy. We are sorry for her frustrations and have tried repeatedly to obtain information from our insured. We hope this denial will allow her to move forward with her claim through her own ***ier. Thank you

Complaint: ***
Founder's never gave me choice to accept the salvaged vehicle that they deemed a total lossI never asked for the vehicle and it NOT my responsibility to maintain the salvageI delt with adjusters since the accident 7/22/2016, and the second one didnt return my calls or emails, plus was very rude the first time we talked - I couldnt believe how long it took before I finally got to speak with her (briefly)But on a lighter note the last person I spoke with was very professional and very politeI loved our conversation and things have ended better than than talking with the second adjuster and the 3rdIm very happy with the decision that was made and the 2nd offer that was madeThank you Mrs***!!! You we're very kind and well spokenThank you for being the person you are and u showed diligence, and great courage!! My GOD bless youThis case has been settled!!!! And thank you Revdex.com! Very deeply
I am rejecting this response because:
Sincerely,
*** ***

This claim involves an unscheduled driver who lives in the household and holds a learner's permit. Regretfully there are two coverage issues in that we have an undisclosed driver who the insured failed to disclose on the policy application. Additionally the second coverage issue is that
the driver was alone in the vehicle which is in violation of the law for a person driving with a learner permit and a violation of the policy conditions. The file has been submitted to upper management for potential policy rescission. Regretfully there will be no coverage for the claim. A denial letter will be forthcomingWe urge Ms*** to contact her own carrier

The Complainant is an insured who reported her vehicle stolen on October 19, 2016. The handling adjuster began his investigation, and during his investigation a coverage issue arose due to the Complainant's application for insurance. Therefore, not only was it necessary to
investigate the loss, but the coverage issue had to be investigated as well. The adjuster has completed his coverage investigation, and the coverage issue is now under review. We will make a coverage decision as soon as possible, and upon making the decision the Complainant will be informed of our disposition

Complaint:
I am rejecting this response because:
Sincerely,
Maurice ***

Complaint: ***
I am rejecting this response because: I will wait to be contacted
Sincerely,
*** ***

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

The Complainant is a first party insured who reported a hit and run accident. The damages to her vehicle seem to be inconsistent with the facts of loss, so further investigation is needed by our Special Investigation Unit

The Complainant is a third party claimant pursuing a claim against our Insured's policy. The facts of loss, as related by our Insured, are that the insured was behind the Complainant at a railroad crossing. A train had just passed, and it was clear to proceed. Our Insured
stated that the Complainant began to proceed and then suddenly stopped. Our Insured impacted the rear of the Complainant's vehicle traveling at a speed estimated to be to miles per hour. The handling adjuster evaluated the Complainant's claim and offered him $772.51, or 80% of the written estimate on the damage caused by this occurrence. The adjuster arrived at 80% based on the modified comparative negligence laws of the State of Illinois, and our offer remains open to the Complainant

Founders Insurance Company deemed Ms*** vehicle to
be a total lossFounders did not have the actual mileage of the vehicle until
October 25th, Once the mileage information was received the
correct Actual Cash Value was determined and an offer has now been made to Ms
***
As far as the car seats are concerned, Ms*** was
paid for them on October 18th

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

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. Upon our notice of this loss, the handling adjuster immediately began an investigation into this matter. Founders
Insurance Company was able to accept liability for this loss and upon our receipt and review of the vehicle's damage estimate, the handling adjuster contacted the complainant on November 3, 2016 to discuss settlement of this loss. A settlement offer in the amount of $was extended. This amount represented 100% of our approved estimate. This offer was accepted and payment subsequently processed. Should you have any further questions, please feel free to contact me

Policy number ITFCfor MsKenya Allen is currently canceled for non-payment of premium effective 2/3/17, please note that this is a Direct Bill policy - the agent posted an agency sweep payment in error from the agents account and then asked that we back out that premium from the policy
and return it to their account which is what Founders didThe agent stated this payment was posted in error so any refund that is in question would need to be reviewed by the agent and the customerWe, the company would not know what MsAllen paid to her agent. There is no refund due to the insured from FoundersHere is the e-mail from the agent: From: [email protected] [mailto:[email protected]] Sent: Friday, February 3, 12:PM To: Sonia Niewdach Subject: KENALLEN POLICY NUMBER ITFC184129 Good Afternoon, Please see attached documents regarding KenAllen's founders policy, ITFCAttached is a receipt for a payment that should have never been madeThe customer never provided our agency any money or even came into our office or called for this paymentI am requesting you to please refunded the amount of $back into our account immediatelyIf you have any further questions or concerns about this request please email me or call me at 618-877-2644. Thank you! Melissa CSR AUTO - HOME- BUSINESS - HEALTH - MEDICARE

I have NEVER been contacted regarding my claim with Founders...NEVER!!!!
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

The Complainant is a third party Complainant who pursued a claim against our Insured's policy. On February 10, the Complainant reported that she was in an accident with our Insured. Claim forms were mailed to our Insured and to the Complainant, and arrangements were made for an
appraiser to write an estimate on the Complainant's vehicle. The handling adjuster called our Insured on February to confirm the facts of loss, but, unfortunately, the adjuster was only able to leave a voice mail message for a return call. On February our Insured returned the adjuster's call and confirmed the facts of loss as reported by the Complainant. On February 26, having confirmed the facts of loss and receiving the appraiser's estimate, the adjuster called *** *** and left him a voice mail message for a return call. Mr*** returned the call, and the adjuster tendered an offer to him in the amount of $714.88. Mr*** responded by advising that he wanted to review the estimate before accepting the offer, so a copy of the estimate was e-mailed to him. On March the Complainant called to advise the adjuster she obtained an estimate from a shop, which was substantially higher than our estimate. The adjuster explained that we will not be responsible for any labor rate differences or parts price differences. The Complainant responded that she would like to submit the estimate she obtained for review before accepting our offer, so the adjuster provided her with his e-mail address. Upon receipt of the estimate, it was reviewed, but we feel our estimate is sufficient to effect the repairs. There is a recommended shop in the Complainant's area that will complete the repairs based on our estimate. Additionally, if the Complainant chose to have her vehicle repaired at the recommended shop, the repairs are guaranteed. Therefore, our offer of settlement remains the same

8/18/16Revdex.com of Chicago & Northern IllinoisN Wabash Ave, Suite 3120Chicago, IL 60611RE: Revdex.com ID# 100011620494CLAIM 1000126026 Dear Sir or Madam,We are in receipt of the complaint filed by Ms*** and apologize for her difficulty reaching our adjuster. Our claim
reflects that she and the adjuster did speak on 7/22/when she was advised that we ahd an estimate but no photos of her vehicle. On 7/28/we received the photos and the adjuster called and again spoke with Ms*** She was advised that we were still trying to reach our insured to confirm the facts of loss before liability could be accepted. On 8/10/the adjuster again spoke with Ms*** and advised coverage and liability was accepted. Ms*** advised she had decided to go through her own carrier. We now await supports from her carrier. We apologize that there was a delay in the investigation, but we needed to speak with our insured to confirm he facts of loss.Sincerely, Allison ***Claims Manger

The Complainant is a third party claimant pursuing a claim against our Insured's policy who reported that she was involved in an accident with the Complainant on October 1, 2016. The accident was not reported to the police, and there was a recent lapse in coverage relative to the date of
loss. We need to confirm the loss occurred while the policy was in force, but unfortunately, our Insured is not cooperating with us. It is our sincere desire to resolve this matter amicably for all concerned, but we need our Insured's cooperation to do so. Therefore, we will be issuing an ultimatum in a letter to her that if she does not cooperate with us days from the date the letter is mailed, we will deny coverage for such non-cooperation

Initial Business Response /* (1000, 5, 2015/09/01) */
Contact Name and Title: Arthur *** Mgr
Contact Phone: (XXX) XXX-XXXX
Contact Email: ***@foundersinsurance.com
The Complainant is a first party insured who reported a loss to us on March 16, 2015, which occurred on March 15thHe
reported that he hit a median wall with the left front of his vehicleArrangements were made to have his vehicle towed to a recommended shop where an estimate was written to repair his vehicleIn the meantime, the handling adjuster made atte4mpts to contact him to discuss getting his vehicle repairedDespite leaving messages for him and sending him correspondence, the adjuster was not able to reach him until April 21, This put in motion the repairs to his vehicle, and the repairs were completed by the second week of MayAfter completing the repairs, the Complainant delayed picking up his vehicle from the shopOn July 24th an adjuster responded to a message he left, and he informed the adjuster that there was additional damage to the rear suspension of his
vehicleThe vehicle was inspected for this damage by a Founders Insurance Company appraiser, and it was determined that this damage was not relatedIt should be noted that the Complainant was driving the same vehicle when he was involved in an accident on November 4, 2014, and the impact was to the left rear of his vehicleHowever, there was no coverage for this loss, as his policy had cancelled for non-payment, and the damage was never repaired During a conversation I had with the Complainant he inquired about a dispute resolution, and he was informed of the appraisal clause in his policyA letter was also sent to him outlining the processWe are presently waiting for him to name his appraiser and have his appraiser contact our appraiser
Initial Consumer Rebuttal /* (3000, 7, 2015/09/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The first thing is I spoke to the adjuster the first week that it happened and for about or weeks I tried to reach her with no responseShe then called me while I was at work and I couldnt answer but I called her back within minutes and she didnt answer after that it took me another week or two to hear back from herThis same senerio happened again after I talk to her this previous time but this time I called her for over a month and then my wife began to call only to find out that carol no longer worked for the company and my file was just sitting on her deskMy wife then got in touch with Arthur *** who then sent us our rental reimbursement with was very low considering my file sat there for over a month and trying reach Carol was very hard the previous monthWe do have the email sent to Arthur about our claim and Carol no longer working for the companyYou can check her resignation date to verify the time lapseThe shop that I took the car to their shop and they are saying the car is not drivableWhen I had the accident I was driving the car and whatever snap must have popped lose when the car went up in the airI am in the process of getting my speed camera or red light camera tickets to show I was driving that car during the time frameThe shop told me off the record that Mr *** is trying not to pay because I admitted that the body work was on me and I didnt want them to fix it and that was before the shop said no they was not talking about the body work it is rods broken under the car that is damagedYes I haven't picked up my car yet because the shop is asking for storage fees that I have to come up with a month after getting married because of founders not handling me or my claim right on top of the almost $that I had to spend on a rental car because of thisI do have a shop that is going to take a look at the car once I get it outThe accident that
Final Business Response /* (4000, 9, 2015/09/17) */
Contact Name and Title: Arthur *** Mgr
Contact Phone: (XXX) XXX-XXXX
Contact Email: ***@foundersinsurance.com
Our position remains that the rear suspension damage is not related to this lossThis is based on an inspection by one of our staff appraiser'sIt is more likely that this damage is the result of the accident the Complainant was involved in on November 4, wherein there was a direct impact to the left rear of the Complainant's vehicleThat loss was not covered because the Complainant's policy was not in effect at the timeThe Complainant inquired about arbitrating this case, and he was informed of the appraisal clause in his policy, which is designed to remedy our disputeWe have followed up with a letter detailing how the appraisal clause worksWe are presently waiting for him to name his appraiser and for his appraiser to contact our appraiserTo our knowledge, the Complainant's vehicle is still located at a recommended shop where the related damage was repaired by mid MayIt is our understanding that the Complainant was somewhat unresponsive to the shop in making arrangements to pay his deductible and pick up his carThis is not a shop owned by Founders Insurance Company, but a separate entityWe do not control their business decisions

The Complainant is an insured who reported a fire loss to us. Claim forms were mailed to him, and the handling adjuster began his investigation. The claim forms sent to the Complainant needed to be completed and returned by him as a part of the investigation, and we just received them
back in return mail on September 7. I do not know where the Complainant got the idea that fire claims were not covered, but his policy does cover fire claims provided coverage is affirmed. The Complainant did not purchase rental coverage through us, so we are unable to assist him in securing a rental vehicle