Genesis Homes

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
The details of the statement are true with the exception of the date of the occurrence and when the work could be preformed, what was conveniently left out is the letter from the roofer stating the work need on my home would need to take place while I would have been on my cruise, the roofer stated it would be when the raining subsided and that can not be predictedSo he estimates a week to ten days from the date of the occurrence on October 27,and my trip was scheduled for November 1st-7th, I would like to know why would I leave my home in that condition and miss getting the work done when it was scheduleI will not accept there response or action, and also they conveniently left out the death of my grandmother in my homeI'm a United States Vetran and find their service to be poor!

Revdex.com:
I have reviewed the response made by the
business in reference to complaint ID ***, and have provided the following claim detail that needs to be reviewed by CSA:*** claim totaling $1,594.39*** claim totaling $265.80*** Haven claim totaling $203.09We were never We have repeatedly requested that CSA update our current mailing address to *** *** *** *** *** ** *** ** *** The old mailing address of * *** *** should not be used any longer
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
This is the same exact letter that we received the very first time we made a claim to themThis is the “lowest on the totem pole” agentI spent my time working with his supervisor *** *** and HIS supervisor How absurd is that “the insured denied the actions that resulted in the damage” He LIEDWe have PROOFSo this is how a company does business This is patently ridiculous and we insist that you do NOT CONSIDER THIS CLAIM RESOLVED It is not!
Regards,
*** ***

Revdex.com OF SAN DIEGO** *** *** *** ** ***ATTN: *** *** *** *** *** *** ** *** *** Complaint ID #*** June 11,2015Claim Number: ***Policy Number: ***Dear Ms***:CSA Travel Protection and Insurance Services represents ***
*** *** as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated June 09, 2015, notifying us of the complaint filed by Ms***.Ms*** booked a *** *** through *** ** ** with scheduled travel dates ofMarch 08, to March 15, The policy was purchased on December 18, At thattime a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverageand coverage restrictions, were emailed to her.The trip was canceled on March 01, 2015, due to Ms***'s emotional distress caused byfamily issuesThe Physician's Statement completed by Dr*** showed a diagnosis of acuteanxiety.The policy provides coverage for a trip cancellation due to sickness subject to the plan's termsand conditionsUnder the heading General Exclusions, it states: "We will not pay for any lossunder this Policy, caused by, or resulting from bmental, nervous, or psychological disordersof you or your Traveling Companion".The trip was canceled due to a condition that is specifically excluded from coverage, and theclaim was deniedMs*** requested reconsideration of the claim, providing a newPhysician's Statement listing symptoms of dizziness, nausea, diarrhea, and stress, with adiagnosis of dizzinessWe obtained the medical records from Dr***'s officeThe records didnot indicate any dizziness, and specifically noted there was no nausea or diarrheaTheassessed diagnosis was Generalized Anxiety Disorder.Ms*** canceled her trip due to a condition that is specifically excluded from coverage.Therefore, we must reaffirm our original decision that no benefits are payable for this claim.If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** *** Sincerely,*** ***SrTechnical Claims Specialistcc: *** *** *** *** / Director of Claims

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowWhen CSA states that "Mr*** provided information indicating, that in May, *** *** *** had eliminated their Shanghai to Colombo flights on Mondays" this was just circumstantial information that I deduced based on third party web informationNeither I nor CSA has been able to substantiate this hypothesisThe only fact is that the airline told me when I checked in that my ongoing flight was cancelledIt is also a fact that I posessed a ticket that had me flying out of Shanghai on the day that I arrived there, and not the next dayIf CSA cannot confirm that the Monday flight was routinely cancelled in MAY by China Eastern, then they should go with the evidence on hand - ticket in the customer's hand and the airline telling him that the flight was cancelledThey also refused to give me hotel accomodation
I provided a lot of information, never padded any numbers, and worked hard to help CSA figure this whole thing out, and now they are using some amateur assumptions made by me to deny my claimSHAME ON YOU CSA AND SENIOR TECHNICAL CLAIMS SPECIALIST *** ***SHAME ON YOUPlease don't prove my suspicion that you are a itnernet scam insurance companyDO YOUR JOB AND PROTECT YOUR CLIENTSTHAT IS WHAT WE PAID YOU FOR
Regards,
*** ***

*** *** I Revdex.com OF SAN DIEGO November 25, VIEWRIDGE AVE #200SAN DIEGO, CA 92123*** *** #***Claim Number: ***Policy Number: ***Travel Dates: November 14, 2014- November 22, 2014Dear Ms***:CSA Travel Protection and Insurance Services represents Generali U.SBranch as theadministrator of the travel protection plan that was selectedWe are in receipt of your emailnotifying us that Ms*** was not satisfied with our explanation of our determination of herclaim.As we had previously explained, Ms*** cancelled her trip due to the death of a familymember and the expenses that she had due to that deathMs***'s sister died onSeptember 5, which was prior to the purchase of the policy on October 1, As thedeath occurred prior to coverage and financial circumstances is not one of the perils coveredunder the plan, we must adhere to our denial of benefits.When Ms*** purchased her policy she was mailed a confirmation of the purchase alongwith the Description of Coverage outlining the policy coverages and exclusionsThe purchaseof the plan offers a 0-day free look to examine the policy and if it did not meet her needs shecould have contacted us and requested a refund of the plan costThis option was available toher until October 16, 2014.If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-Please ensure the claim numberis included with your response.Sincerely,*** *** ***Claims Department Supervisor(800) 541-Ext***cc: *** ***Director of Claims

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I forwarded the merchant the automatic response message I received from the merchant as a result of the completion of their online contact form while I was on vacationI began sending emails to various accounts because I did not hear back after my initial contact WHILE on vacationI know how travel insurance works and have purchased from this merchant numerous timesThis is the only time I have ever had an issue with them in all of the years I have used them
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
If this laminate was still in production I would be in agreement with only repairing the damaged counter but it is not and therefore will not match the others which is not acceptableI delayed turning in claim looking to find a match but was unsuccessful which is the only reason requesting full replacement of a like material.
Regards,
*** ***

CSA Travel Protection and Insurance Services represents Generati U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated September 28, 2017, notifying us of the complaint filed by Mr***.Mr*** purchased the travel insurance
plan on September 05, 2017, with coverage for Trip Cancellation Commencing on September 06, The trip was canceled on September 08, 2017, due to Hurricane IrmaAs Irma became a named storm on August 31, 2017, this was a foreseeable event at the time of the insurance purchase and the claim was denied.Mr*** is now requesting a premium refundThe insurance cost is non-refundable after a 10-day free-look period and also if a claim is filedHowever, the underwriter has approved the premium refund and this will be issued shortly.if you have any questions, please feel free to contact us at (800) 541-3522, by email at claimsGCsatravelprotection.com or by FAX at (877) 300-Please ensure the claim number is included with your response.Sincerely, C*** *** SrTechnical Claims Specialist

Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated June 06, 2015, notifying us of the complaint filed by Ms***.Ms*** had to cancel her
trip because her husband had to obtain recertification of hisparamedic license for his jobHe was unable to attend an earlier class, and had to rescheduleduring the trip datesShe has requested that the claim be reconsidered under the following TripCancellation Covered Event:"Being required to take an academic examination on a date that has been fixed after yourcoverage was purchased, and the examination date falls within your Trip dates".A class to recertify a work-required license is not considered an academic examination.Therefore, regretfully, we are unable to provide benefits for this claim.If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670.Sincerely, *** ***SrTechnical Claims Speci listcc: *** *** *** *** / Director of Claims

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I disagree with the emailed contract and how it readsWhen I booked the cruise with *** and spoke with a Rep named ***, I specially requested cancellation for any reason coverage, since I had a similar situation back in when our family booked a Cruise and my father was diagnosed with terminal cancer and was given weeks to live .When we attempted cancelling, we were told I was covered but my fiancé was not since it was not an immediate relative of hisI again was taken advantage of and lost my money for his trip*** ifrom *** insisted the coverage was a cancel for any reason coverageWhen I reviewed the contract in which CSA mentions , it certainly does not provide clarity on coverageI read it and was under the impression I got the correct coverage in which I asked forI have attached the email and contract that was sent to me for your reviewI greatly appreciate follow up on this claim and anxiously await a responseI also would like the initial call with *** from *** pulled since it should have been recorded as mentioned when a consumer calls them
Respectfully,
*** ***

CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe received your email dated June 01, 2016, notifying us of the complaint filed by Ms***.This trip cancellation claim was originally denied because the illness of traveler ***
*** commenced before the policy went into effectWe received additional medical documentation that indicated that another traveler, *** ***, also became illBecause ***'s illness began after the policy went into effect, we were able to provide benefits for the claimPayment of $should be mailed this week, calculated as follows:Pre-Departure Trip Cancellation Benefits: $10,US Dollars trip cost - $purchase guarantee = $10,- $9,refund by Flight Network = $payable.Regarding the request for the reimbursement of the Flight Network cancellation fees, the policy purchased states "we will reimburse you, up to the amount in the Schedule, for the amount of prepaid, forfeited, nonrefundable payments or deposits that you paid for your Trip." As the cancellation fees charged by Flight Network are not a prepaid, forfeited, nonrefundable payment or deposit that was paid for the Trip, we are unable to provide benefits for this portion of the claim.If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***.Sincerely, *** *** SrTechnical Claims Specialistcc: *** *** / Director of Claims

Dear Ms***:CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was purchasedWe are in receipt of your email dated July 10, 2015, notifying us of thecomplaint filed by Mr***.We are reopening the claim and will be contacting Mr***
for additional documentation forthe reevaluation of his claim.If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***Please ensure the claim numberis included with your response.Sincerely,*** *** *** *** ***cc: *** *** * *** ** ***

CSA Travel Protection and Insurance Services represents Generali U.SBranch as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated January 02, 2017, with additional information provided by Mr***.Mr*** purchased his travel insurance plan on April 24, 2016, with coverage for TripCancellation commencing on April 25, At that time a Policy Confirmation Letter and aDescription of Coverage, outlining the plan's coverage and coverage restrictions, were sent tohim.The Confirmation Letter stated the following:"Please review your policy documents carefully, and if you have any questions about your planplease contact our Customer Service Department at (800) 994-Your 0-day free lookperiod expires on May 04, If you decide to cancel this plan during your free look periodand you have not left for your covered trip or filed a claim, simply contact us to request a fullrefund."The Description of Coverage, under the heading 10-DAY RIGHT TO EXAMINE YOURDESCRIPTION OF COVERAGE, stated:"If you are not satisfied for any reason, you may cancel coverage under the policy within 10days after receiptYour premium payment will be refunded, provided that there has been noincurred covered expense and you have not left on your TripReturn the Description ofCoverage to us at the Program Administrators office or our authorized agentWhen so returned,the Description of Coverage is void from the beginningAfter this 0-day period, the payment forthis coverage is nonrefundable."On May 11, 2016, we received Mr***'s claim for the cost of his TripThe claim was foundnot payable and a denial of benefits letter was sentMr*** is now claiming the cost of theinsurance premiumAs outlined in the Policy Confirmation Letter and Description of Coverage,the premium payment is non-refundable after the 0-day free look periodTherefore, we areunable to provide a premium refund to Mr***.Mr*** has also referenced an injury of his wife as one of the reasons for the TripcancellationMr***'s policy was in force from April 25, until April 26, 2016, when theTrip was canceledIf Mrs***'s injury occurred within the time period that the policy was inforce, we will investigate her injury for possible coverageMr*** should submit acompleted Physician's Statement and Patient Authorization Form for further review of the claim.If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-Please ensure the claim numberis included with your response.Sincerely,*** ***SrTechnical Claims Specialist

Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was purchased.Vitaly *** rented a property from *** *** with scheduled travel dates of December 30, to January 03, The Property
Damage Protection coverage was purchased on November 16, by Mr***, who is the Insured under this planAt that time the Description of Coverage, outlining the plan's coverage and coverage restrictions, was emailed to Mr***.On January 06, 2016, we received claim documents from Mr*** indicating that during Mr***'s stay at the property there was damage to the kitchen faucet and the sliding glass door jam, and the property was left in an unclean mannerThe original amount claimed for the damage repair, cleaning, and mileage was $1,037.00.We contacted Mr*** to confirm the facts of lossMr*** stated that no damage was caused during his stay at the property.Under the heading "VACATION RENTAL DAMAGE COVERAGE" it states "If you occupy an Accommodation and you damage the real or personal property assigned to that Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the cost to replace the property, up to the amount shown in the Schedule."Mr*** has denied responsibility for all of the damages claimedThis policy only pays for damages caused by the Insured or their guestsTherefore, the claim was denied and ourdecision remains unchangedIf you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your response.Sincerely,*** *** *** Technical Claims SpecialistCC: *** *** *** *** / Director of Claims

Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated July 20, 2015, notifying us of the complaint filed by Ms***.Ms*** booked a rental with
*** *** *** *** with scheduled travel dates ofJuly 28, to August 01, The travel insurance plan was purchased on June 07, 2015.At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan'scoverage and coverage restrictions, were emailed to her.Ms***'s boyfriend, *** *** ***, is serving in the Army and was supposed toreturn to *** from *** on July 17, Due to an extension, he will not be returninguntil August 17, Therefore, the trip to *** *** *** had to be canceled.The policy only provides benefits for a trip cancellation that is caused by one of the plan'sspecific listed Covered Events"Trip Cancellation Benefit- Covered Events Yourpreviously granted military leave being revokedThe leave must be approved prior to yourcoverage becoming effective, and official written revocation notice from your commandingofficer will be required".We have been provided with documentation confirming *** ***'s time in *** had beenextendedHowever, we have not received confirmation that the military leave had beenapproved prior to the effective date, and then revokedUpon receipt of this documentation, wecan continue to process the claim.If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***.Sincerely, *** *** *** *** ***cc: *** *** *** *** * *** ** ***

Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated September 30, 2015, notifying us of the complaint filed by Mr. [redacted] rented a...

property from Mr. [redacted] with scheduled travel dates of July 16, 2015 to July 19, 2015. The Property Damage Protection coverage was purchased on May 27, 2015 by Mr. [redacted], who is the Insured under this plan. At that time the Description of Coverage, outlining the plan's coverage and coverage restrictions, was emailed to Mr. [redacted].On August 10, 2015, we received claim documents from Mr. [redacted] indicating that during Mr. [redacted]'s stay at the property the air conditioning was turned down very low. This caused the coil and drain pipe to freeze resulting in a leak and the collapse of part of the ceiling. The amount claimed for the damage repair is $4,022.24.We contacted Mr. [redacted] to confirm the facts of loss. Mr. [redacted] stated that the lowest they set the air conditioner was about 68 degrees, and they turned the unit off when they left the property. Mr. [redacted] stated no damage was seen or noted during their stay, and the air conditioner was working fine.Under the heading "VACATION RENTAL DAMAGE COVERAGE" it states "If you occupy an Accommodation and you damage the real or personal property assigned to that Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the Actual Cash Value of the property, up to the amount shown in the Schedule."Mr. [redacted] has denied responsibility for all of the damages claimed. This policy only pays for damages caused by the Insured or their guests. Therefore, the claim was denied. If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.Sincerely,[redacted]

Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We received your email datedAugust 28, 2015, notifying us of the complaint filed by Mr. [redacted].Mr. [redacted] indicated in his complaint that...

there was a delay in finalizing his claim and receivinga return telephone call from the claims representative's supervisor. The claim has been finalizedand Mr. [redacted] was contacted regarding the payment status. We regret any inconveniencecaused to Mr. [redacted].If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted]. Please ensure the claim numberis included with your response.Sincerely, [redacted] Sr. [redacted]cc: [redacted] / [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved, with one additional request. PLEASE Simply state the terms of the insurance in one or two sentences when advertising. NOT in an email later. I did not even have time to review the email under my particular circumstances, but completely believed I was covered and had NO NEED to review it based on the advertising!  It is not difficult, and will prevent what happened to me from happening to other consumers. Thousands of dollars in change fees for flights and people's lives truly DEPEND on this type of wording when advertising!Thank you for offering the refund. I hope, nothing like this ever happens to you. 
Regards,
[redacted]

Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated February 06, 2016, notifying us of the complaint filed by Mr. [redacted].We have reevaluated...

this claim and determined that benefits will be paid. The claim will be reopened and the check issued shortly.If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.Sincerely, [redacted] Sr. Technical Claims Specialist