Please find our response attachedthank you.August 6, 2015*** ***Marketplace Resource Consultant***Phone: ***RE REFERENCE: ***INSURED: *** ***COMPLAINTANT: *** ***CLAIM: ***POLICY: ***DATE OF LOSS: 4/30/2015TYPE OF LOSS: Weather - WindOUR
NAIC#: *** ***,This letter is our response to the complaint from *** *** which we received on August 5,*** ***’s claim was received on May 11, and was inspected on May 18, Therewas interior damage due to rain leakage with no evidence of covered exterior damage that hadcaused the interior damage*** ***’s policy has an exclusion for damage caused by “loss thatresults from seepage or leakage of rain, sleet, ice or snow, whether or not wind-driven, unlesscaused by a PERIL INSURED AGAINST.” There was also a crack noted on a bedroom ceiling andthe policy carries an exclusion for “loss that results from settling, cracking, shrinking, bulging orexpansion of pavements, patios, foundations, wall, floors, roofs or ceilings”During theinspection, no exterior damage was noted under, around or on top of the homeA denial wasissued both verbally and by letter on May 18, to *** ***.On June 8, 2015, we received a letter from *** ***’s attorney advising they did not agree withour coverage decision and requested paymentWe acknowledged the letter and haveexchanged communication with her attorney since thenWe have received a contractor’sestimate from her attorney and on July 30, 2015, we requested to be able to meet with theattorney and / or contractor for a re-inspection of her property to review the scope and cause ofthe damagesWe are currently waiting on a response to this request from *** ***’s attorney.EXECUTIVE OFFICES/ MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.OBOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL800-375-2075*** *** contacted the handling adjusters on August 4, 2015, but he had to tell her that he wasnot allowed to discuss the claim with her since she was represented by an attorneyIf we canget permission to meet with the involved parties for a re-inspection, we will be glad to reviewour original coverage decision.If you have any further questions or need any further information, please contact theundersigned at ***.Sincerely,Mike P***Claims SupervisorAmerican Modern Home Insurance CompanyPhone513-688-Faxmp***@amig.com
[A default letter is provided here which indicates your acceptance of the business's
response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
*** *** My claim number is: ***
Good morning,Please find attached our company response.Thank youMellisa A***August 8, 2017Revdex.comE4th, Suite 600Cincinnati, OH 45202Attn: *** *** *** Re: Complaint ID No.: *** Complainant: *** ** Policy No.: *** Inception Date: March 23, 2017 Company: American Modern Home Insurance Company; ***: ***Dear *** ***,We are in receipt of your correspondence of August 1, American Modern HomeInsurance Company (“American Modern Home”) appreciated the opportunity to respond tothe additional concerns for *** *** **.We have verified with the payment processing company, ***, that American ModernHome is no longer in possession of money received from/or owed to *** *** **.When *** ** initially disputed the payment, it was placed in a holding account with*** then notified American Modern Home on April 24, 2017, of the disputeAtthat time American Modern Home approved the reversal of the $payment on April26, 2017.As of the writing of this letter, the $funds are in the possession of *** *** and nolonger accessable to American Modern Home.If you should have any additional questions, please contact me at [email protected] orby phone at 1-800-759-9008, ext***.Sincerely,Mellisa A***SrCompliance Specialist
Good morning ***,I have reviewed over this complaint and I doesn't think it belongs to our company. Our company does not sell standard auto insurance. We sell antique autos and exotic cars. I also process a name search and was not able to locate anything in our
system under *** ***. My thoughts are that this might belong to American Family Insurance Company based out of ***. If you are able to provide me a policy and claim number I can review further.Thank youMellisa A
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
*** ***
Revdex.com*** ***American Modern Insurance Group *** *** ***
*** ** ***
Dear *** ***
This message is regarding complaint ID *** submitted to Revdex.com about your business on 2/4/11:56:AM by *** ***
We received the information listed below from your customer. This complaint has been closed as resolved. If you have any questions, we are happy to assist you.
In addition to complaint information, Revdex.com Business Reviews also include basic background information about businesses. This data is used to calculate a rating for your business. This may be a good time to update your information by visiting us online at Revdex.com.org/cincinnati/join/
Thank you for your cooperation in this matter and for your support of our self-regulatory goal
Regards,
*** *** Marketplace Resource Consultant *** *** ***
MESSAGE:
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
*** ***
Revdex.com*** ***
*** *** *** ***
*** * ** *** Dear *** *** :Thank you for using your Revdex.com as a resource to resolving your complaint ID *** submitted on 2/4/11:56:AM against American Modern Insurance Group. Since you have accepted American Modern Insurance Group’s response, we are closing this complaintIf you and American Modern Insurance Group have reached an agreement and compliance is set for a future date, we trust they will follow throughIf this does not happen, contact us and we will review the complaint and proceed accordingly.Your complaint is now part of the Revdex.com Business Review and details will be posted on Revdex.com.org, if it meets our online standardsWe encourage you to stay in touch with Revdex.com for great tips and information with our consumer e-newsletter or find a business you can trust with our Request A Quote service. Regards,*** *** Marketplace Resource Consultant *** *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.There are several statements that American Modern has said regarding its communication with me that are lies, in fact I have a voicemail from the claims agent that he didn't even look at my claim until the 26th The fact is that obviously American Modern can care less about their customers except to collect money from themIn their response to me they changed hail storm into just storm and made no mention of sump pump failure coverageAnd they fail to make any mention that they waited a month before giving me any sort of communication as to whether they would cover it Because of this they caused more damage to my home $15k of damage They did not address my complaint whatsoever except to give a bunch of dates that they didn't call me ( I have a record as well)
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
Good morning,Please find attached our company response to MsIwen's concerns.Thank youMellisa A***July 31, 2017Revdex.comE4th, Suite 600Cincinnati, OH 45202Attn: *** *** *** Re: ID Number: *** Complainant: *** ** Policy No.: *** Inception
Date: March 23, 2017 Company: American Modern Home Insurance Company; ***: ***Dear *** ***,We are in receipt of your correspondence of July 25, American Modern Home Insurance Company(“American Modern”) appreciates the opportunity to respond to he Revdex.com.Ms*** ** had a policy with American Modern with effective dates of March 23, through March23, 2018, for an annual premium of $266.00; which was paid in full at the inception of the policy.On April 3, 2017, American Modern received a call from *** ** to cancel her policy; which was honoredand completed the same dayOn April 19, 2017, a pro-rated refund for $was mailed to *** **under check no***.On April 24, 2017, American Modern received a chargeback notice (attached) from *** **’s merchantthat she disputed the $and on April 24, 2017, our account was debited $due to thedisputed transactionTo ensure that *** ** wasn’t double refunded, American Modern issued a stoppayment on the refund check no***.American Modern is no longer in possession of money received from or owed to *** **.If you should have any additional questions, please feel free to contact me at [email protected] or byphone at 1-800-759-9008, ext***.Sincerely,Mellisa A***SrCompliance Specialist
I am responding to your letter received in our office on May 19,
2016, regarding the above mentioned insuredI have researched the history of
the policy and my findings are as follows.In accordance with American Modern Select
Insurance Company’s new business guidelines, an external inspection of
the home
was ordered at the time of the policy issuanceThe inspection was reviewed by
the underwriter on March 22, and a request for repairs was sent to the
agent on the same day based on condition concerns identified with an external
inspection.On May 11, a cancellation notice was generated due to no
response regarding the conditions request.After reviewing the policy and inspection, the cancellation has
been rescinded to allow the customer additional time to meet the program
requirements/eligibilityThe customer will receive a request from her agent to
remove the enhanced coverage endorsement, as well as to change the initial
chosen settlement optionOnce documentation has been received from the customer
confirming the inspection concerns are corrected, the policy can be re-adjusted
to the original application request.I hope this response will bring closure to our
correspondenceShould you have additional questions, please feel free to
contact Mellisa *** via e-mail at *** or at 1-800-*** *** ***Sincerely,*** ***, Personal Lines Underwriting American Modern
Select Insurance Company
Good afternoon,
Please find attached our company response
If you should have any questions, please don't hesitate to contact me
Sincerely,
Mellisa A***
July 29, 2015Cincinnati Revdex.com Suite E 4th Street Cincinnati, OH 45202RE: File Number: ***Insured:
*** *** Policy Number: *** NAIC Number: ***Dear *** ***:I am responding to your letter that was received in our office on July 24, 2015, regarding the above mentioned policy.Our records indicate that *** *** requested a policy on July 21, with a requested effective date of July 22, A payment in the amount of $was paid for the first installment to start the policy on July 21, This payment consisted of a premium payment of $plus a $service charge to draft the payment.*** *** contacted our office by email on July 22, and requested that the policy be cancelled effective July 22, as she had found better coverageThe policy was cancelled effective July 22, and a refund in the amount of $was sent to *** *** on July 23,The service charge is a non-refundable charge, however I have requested that an additional refund for $be sent to *** ***.If you should have any additional questions, please feel free to contact Mellisa A*** at *** or by phone at 1-800-759-extension ***.Sincerely,Lisa J*** Team Specialist American Family Home Insurance Company
Consumers County Mutual Insurance CompanyMidland BoulevardAmelia, OH 45102-2607800.543.2644June 30, 2015Cincinnati Revdex.comE4th Street Suite, 600Cincinnati, Ohio 45202Reference: Insured: *** ***Policy Number: ***ID#: ***Dear *** ***,I am responding to
your letter received in our office on June 25, 2015, regarding theabove mentioned policy.On May 1, a policy was issued for the policyholder which included Personal InjuryProtection (PIP) coverageA request for the signed selection form was sent to thepolicyholder on May 6, and again on May 13, Notice of cancellation was senton May 22, because the previously requested form had not been received.Consumers County Mutual Insurance Company received the PIP selection form on June2, A review of the form and policy revealed the policyholder does not carry PIPcoverage on their daily auto policyIn accordance to Consumer County MutualInsurance’s new business practices, the policy was not eligible to select PIP coveragebecause it was not on the daily auto policyTherefore, the policy cancellation was notrescinded.Due to the circumstances we have elected to allow the policyholder a flat cancellation ofthe policy and will provide a full refund of the paid premium.I hope this response will bring closure to our correspondenceShould you have additionalquestions, please feel free to contact Mellisa A*** via e-mail at*** or at *** *** ***.Sincerely,Mike P***, Underwriting AnalystConsumers County Mutual Insurance Company
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Dear *** ***,
Thank you for your assistant on this
matter.
I spoke to *** the credit card company, the
process is for merchant AMIG to withdraw the available funding *** provided on
the bank holding account US$266. AMIG
should keep $and refund me $258.02.
That is the refund process for merchant.
If AMIG willing to perform the above action
then issue can be resolved. At this
moment, I’m being punished by cancelation of the insurance policy
Please let me know if there is anything I can
do to resolve this matter.
Thanks and Regards,
*** **
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
call
*** *** I have recieved a check only for $there has been no call or message left by no one, I was told by ***e *** that the amount I would receive was $and some change along with an letter explaining why the amount would be smaller the amount issued for the lost of my items I will never use and recommend that no one should use this company, they are unreliable and unprofessional
Please find our response attachedThank you-Upon further review of the inspection report and the contractor’s estimate I can see that thefinished flooring would be damaged from the flooding and ductwork would need to berepairedJenny has worked up a supplemental payment based upon the estimate
submittedby *** *** and the repair estimate to the condensing unit that was included in thedepartment of insurance complaint from *** *** ***Adding together these tworepair estimates brings the cost of repair to a total of $22,l*** $2,in depreciationl*** the $1,policy deductible and $5,already paid bringing a total supplementalpayment to $13,We received a lump sum estimate for ductwork, insulation and thevapor barrier from ***Jenny has requested from *** an itemized estimate for these threeitems since we have paid for repairs to the insulation under *** ***’s estimate.Once we have received a revised estimate from *** we will work up an additionalsupplemental for the outstanding items.If you have any questions or need further information, please contact the undersigned at 1-800-375-ext***.Sincerely,AMERICAN WESTERN HOME INSURANCE AGENCYCathy W***Claims Supervisor
Good morning,
Please find attached our company response
Thank you
Mellisa A***September 9, 2015Revdex.comAttn: *** ***Re: File Number: ***Insured: *** ***Policy Number: *** Number: ***Dear *** ***,I am responding to your letter that was received
in our office on August 31, , regarding the above mentionedpolicy.Check number *** for $to cover overdraft fees was delivered to the address on file on September 2,via ***, tracking number *** *** ***eRenterPlan sincerely regrets the delay in the processing of thecheck and apologizes for the inconvenience.If you should have any questions, please feel free to contact Mellisa A*** at ***.Sincerely,Mellisa A***SrCompany Authority & Market Conduct Specialist
I am responding to your
letter that was received in our office on April 6, 2016, regarding the above
mentioned policy.Our website is generic and
in most states the car club discount is 10%We do have the following
disclaimer on our website:“Coverage is subject to policy terms, conditions,
limitations,
exclusions, underwriting review and approval, and may not be available for all
risks or in all statesRates and discounts vary, are determined by many
factors and are subject to changePolicies are written by one of the licensed
insurers of American Modern Insurance Group, Inc., including American Modern
Home Insurance Company d/b/a in CA American Modern Insurance Company (LicNo
2222-8)”.However, in light of your
inquiry we plan to reference the disclaimer about this and other discounts in a
more prominent fashion.If you should have any
additional questions, please feel free to contact me at *** or by phone at 1-800-***, extension ***.Sincerely,*** ***American
Family Home Insurance Company
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Dear *** ***, Thank you for your assistant on this matter The dispute was cancelled after I received the check. However, the check was returned from my bank because AMIG put stop payment on the check (attached the letters). I was charged for $because of stop payment actionAs I have emailed and called AMIG customer service many times to let them know *** (Credit card Company) has funding available for American Modern to withdraw since May. "The merchant's bank needs to withdraw the funding from the holding account The funding is available for merchant to withdraw.” *** card bank statedThe cost of the insurance policy is $that is the amount I paid to the credit card companyThe cancelation of the policy refund is $ AMIG should receive $of the service after refund my one year payment. That said AMIG should collect the payment $of the sales and refund my portion of $258.02. *** card bank did not sale the product or service to me hence they cannot refund $to me and AMIG entitled to receive $of the sales in this transaction. Please let me know if there is anything I can do to resolve this matter. Thanks and Regards,*** **
Response is attached.June 22, Cincinnati Revdex.com West 7th
Street, SteCincinnati, OH RE ID : *** INSURED : *** ***
COMPLAINTANT : *** *** CLAIM : *** DATE OF LOSS : April 2, TYPE
OF LOSS(reported as) : Weather - wind Dear ***
***, This letter will acknowledge receipt of your correspondence
dated June 16, On April 2, 2015, *** ***, our customer, filed a claim
(#***) for damage to the shingled roof of her home located at *** *** *** *** ** ***On April 8, 2015, our adjuster, Lori C***, completed
a physical inspection of the damage to our customer’s property with the
customer and the customer’s contractor present during the inspectionDuring
the inspection, our adjuster found no damage present to the roof resulting from
windstorm, hail or any other Peril Insured Against provided in the policyThe
inspection by our adjuster revealed the shingles present on the roof were *** *** composite roof shinglesInspection of the shingles found the presence
of cracks and blistering to the shingles, which were determined to be the
result of wear and tear and manufacturer’s defectOur adjuster advised our
customer her insurance policy does not provide coverage for manufacturer’s
defectOur adjuster informed our customer and her contractor that the damage
to the shingles resulting from manufacturer’s defect should be directed to the
manufacturerOur customer was adamant that her insurance policy should provide
coverage and then request reimbursement for the insurance claim payment
provided to our customer through the process of subrogationOur adjuster again
advised our customer that their policy does not provide coverage for
manufacturer’s defectOn April 13, 2015, our adjuster completed a denial letter to
the customer quoting the applicable policy languageSince our customer’s insurance policy is a named peril
policy and manufacturer’s defect is not a named peril listed in the insurance
policy, the claim was denied*** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** If you have any
questions or need further information, please contact the undersigned at
*** or via e-mail: ***Sincerely, AMERICAN FAMILY HOME INSURANCE COMPANY Angie J*** Claims Supervisor
Please find our response attachedthank you.August 6, 2015*** ***Marketplace Resource Consultant***Phone: ***RE REFERENCE: ***INSURED: *** ***COMPLAINTANT: *** ***CLAIM: ***POLICY: ***DATE OF LOSS: 4/30/2015TYPE OF LOSS: Weather - WindOUR
NAIC#: *** ***,This letter is our response to the complaint from *** *** which we received on August 5,*** ***’s claim was received on May 11, and was inspected on May 18, Therewas interior damage due to rain leakage with no evidence of covered exterior damage that hadcaused the interior damage*** ***’s policy has an exclusion for damage caused by “loss thatresults from seepage or leakage of rain, sleet, ice or snow, whether or not wind-driven, unlesscaused by a PERIL INSURED AGAINST.” There was also a crack noted on a bedroom ceiling andthe policy carries an exclusion for “loss that results from settling, cracking, shrinking, bulging orexpansion of pavements, patios, foundations, wall, floors, roofs or ceilings”During theinspection, no exterior damage was noted under, around or on top of the homeA denial wasissued both verbally and by letter on May 18, to *** ***.On June 8, 2015, we received a letter from *** ***’s attorney advising they did not agree withour coverage decision and requested paymentWe acknowledged the letter and haveexchanged communication with her attorney since thenWe have received a contractor’sestimate from her attorney and on July 30, 2015, we requested to be able to meet with theattorney and / or contractor for a re-inspection of her property to review the scope and cause ofthe damagesWe are currently waiting on a response to this request from *** ***’s attorney.EXECUTIVE OFFICES/ MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.OBOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL800-375-2075*** *** contacted the handling adjusters on August 4, 2015, but he had to tell her that he wasnot allowed to discuss the claim with her since she was represented by an attorneyIf we canget permission to meet with the involved parties for a re-inspection, we will be glad to reviewour original coverage decision.If you have any further questions or need any further information, please contact theundersigned at ***.Sincerely,Mike P***Claims SupervisorAmerican Modern Home Insurance CompanyPhone513-688-Faxmp***@amig.com
[A default letter is provided here which indicates your acceptance of the business's
response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
*** *** My claim number is: ***
Good morning,Please find attached our company response.If you should have any questions, please don't hesitate to contact me.Sincerely,*** ***
Good morning,Please find attached our company response.Thank youMellisa A***August 8, 2017Revdex.comE4th, Suite 600Cincinnati, OH 45202Attn: *** *** *** Re: Complaint ID No.: *** Complainant: *** ** Policy No.: *** Inception Date: March 23, 2017 Company: American Modern Home Insurance Company; ***: ***Dear *** ***,We are in receipt of your correspondence of August 1, American Modern HomeInsurance Company (“American Modern Home”) appreciated the opportunity to respond tothe additional concerns for *** *** **.We have verified with the payment processing company, ***, that American ModernHome is no longer in possession of money received from/or owed to *** *** **.When *** ** initially disputed the payment, it was placed in a holding account with*** then notified American Modern Home on April 24, 2017, of the disputeAtthat time American Modern Home approved the reversal of the $payment on April26, 2017.As of the writing of this letter, the $funds are in the possession of *** *** and nolonger accessable to American Modern Home.If you should have any additional questions, please contact me at [email protected] orby phone at 1-800-759-9008, ext***.Sincerely,Mellisa A***SrCompliance Specialist
Good morning ***,I have reviewed over this complaint and I doesn't think it belongs to our company. Our company does not sell standard auto insurance. We sell antique autos and exotic cars. I also process a name search and was not able to locate anything in our
system under *** ***. My thoughts are that this might belong to American Family Insurance Company based out of ***. If you are able to provide me a policy and claim number I can review further.Thank youMellisa A
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
*** ***
Revdex.com*** ***American Modern Insurance Group *** *** ***
*** ** ***
Dear *** ***
This message is regarding complaint ID *** submitted to Revdex.com about your business on 2/4/11:56:AM by *** ***
We received the information listed below from your customer. This complaint has been closed as resolved. If you have any questions, we are happy to assist you.
In addition to complaint information, Revdex.com Business Reviews also include basic background information about businesses. This data is used to calculate a rating for your business. This may be a good time to update your information by visiting us online at Revdex.com.org/cincinnati/join/
Thank you for your cooperation in this matter and for your support of our self-regulatory goal
Regards,
*** *** Marketplace Resource Consultant *** *** ***
MESSAGE:
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.
Regards,
*** ***
Revdex.com*** ***
*** *** *** ***
*** * ** *** Dear *** *** :Thank you for using your Revdex.com as a resource to resolving your complaint ID *** submitted on 2/4/11:56:AM against American Modern Insurance Group. Since you have accepted American Modern Insurance Group’s response, we are closing this complaintIf you and American Modern Insurance Group have reached an agreement and compliance is set for a future date, we trust they will follow throughIf this does not happen, contact us and we will review the complaint and proceed accordingly.Your complaint is now part of the Revdex.com Business Review and details will be posted on Revdex.com.org, if it meets our online standardsWe encourage you to stay in touch with Revdex.com for great tips and information with our consumer e-newsletter or find a business you can trust with our Request A Quote service. Regards,*** *** Marketplace Resource Consultant *** *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.There are several statements that American Modern has said regarding its communication with me that are lies, in fact I have a voicemail from the claims agent that he didn't even look at my claim until the 26th The fact is that obviously American Modern can care less about their customers except to collect money from themIn their response to me they changed hail storm into just storm and made no mention of sump pump failure coverageAnd they fail to make any mention that they waited a month before giving me any sort of communication as to whether they would cover it Because of this they caused more damage to my home $15k of damage They did not address my complaint whatsoever except to give a bunch of dates that they didn't call me ( I have a record as well)
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
Good morning,Please find attached our company response to MsIwen's concerns.Thank youMellisa A***July 31, 2017Revdex.comE4th, Suite 600Cincinnati, OH 45202Attn: *** *** *** Re: ID Number: *** Complainant: *** ** Policy No.: *** Inception
Date: March 23, 2017 Company: American Modern Home Insurance Company; ***: ***Dear *** ***,We are in receipt of your correspondence of July 25, American Modern Home Insurance Company(“American Modern”) appreciates the opportunity to respond to he Revdex.com.Ms*** ** had a policy with American Modern with effective dates of March 23, through March23, 2018, for an annual premium of $266.00; which was paid in full at the inception of the policy.On April 3, 2017, American Modern received a call from *** ** to cancel her policy; which was honoredand completed the same dayOn April 19, 2017, a pro-rated refund for $was mailed to *** **under check no***.On April 24, 2017, American Modern received a chargeback notice (attached) from *** **’s merchantthat she disputed the $and on April 24, 2017, our account was debited $due to thedisputed transactionTo ensure that *** ** wasn’t double refunded, American Modern issued a stoppayment on the refund check no***.American Modern is no longer in possession of money received from or owed to *** **.If you should have any additional questions, please feel free to contact me at [email protected] or byphone at 1-800-759-9008, ext***.Sincerely,Mellisa A***SrCompliance Specialist
I am responding to your letter received in our office on May 19,
2016, regarding the above mentioned insuredI have researched the history of
the policy and my findings are as follows.In accordance with American Modern Select
Insurance Company’s new business guidelines, an external inspection of
the home
was ordered at the time of the policy issuanceThe inspection was reviewed by
the underwriter on March 22, and a request for repairs was sent to the
agent on the same day based on condition concerns identified with an external
inspection.On May 11, a cancellation notice was generated due to no
response regarding the conditions request.After reviewing the policy and inspection, the cancellation has
been rescinded to allow the customer additional time to meet the program
requirements/eligibilityThe customer will receive a request from her agent to
remove the enhanced coverage endorsement, as well as to change the initial
chosen settlement optionOnce documentation has been received from the customer
confirming the inspection concerns are corrected, the policy can be re-adjusted
to the original application request.I hope this response will bring closure to our
correspondenceShould you have additional questions, please feel free to
contact Mellisa *** via e-mail at *** or at 1-800-*** *** ***Sincerely,*** ***, Personal Lines Underwriting American Modern
Select Insurance Company
Good afternoon,
Please find attached our company response
If you should have any questions, please don't hesitate to contact me
Sincerely,
Mellisa A***
July 29, 2015Cincinnati Revdex.com Suite E 4th Street Cincinnati, OH 45202RE: File Number: ***Insured:
*** *** Policy Number: *** NAIC Number: ***Dear *** ***:I am responding to your letter that was received in our office on July 24, 2015, regarding the above mentioned policy.Our records indicate that *** *** requested a policy on July 21, with a requested effective date of July 22, A payment in the amount of $was paid for the first installment to start the policy on July 21, This payment consisted of a premium payment of $plus a $service charge to draft the payment.*** *** contacted our office by email on July 22, and requested that the policy be cancelled effective July 22, as she had found better coverageThe policy was cancelled effective July 22, and a refund in the amount of $was sent to *** *** on July 23,The service charge is a non-refundable charge, however I have requested that an additional refund for $be sent to *** ***.If you should have any additional questions, please feel free to contact Mellisa A*** at *** or by phone at 1-800-759-extension ***.Sincerely,Lisa J*** Team Specialist American Family Home Insurance Company
Consumers County Mutual Insurance CompanyMidland BoulevardAmelia, OH 45102-2607800.543.2644June 30, 2015Cincinnati Revdex.comE4th Street Suite, 600Cincinnati, Ohio 45202Reference: Insured: *** ***Policy Number: ***ID#: ***Dear *** ***,I am responding to
your letter received in our office on June 25, 2015, regarding theabove mentioned policy.On May 1, a policy was issued for the policyholder which included Personal InjuryProtection (PIP) coverageA request for the signed selection form was sent to thepolicyholder on May 6, and again on May 13, Notice of cancellation was senton May 22, because the previously requested form had not been received.Consumers County Mutual Insurance Company received the PIP selection form on June2, A review of the form and policy revealed the policyholder does not carry PIPcoverage on their daily auto policyIn accordance to Consumer County MutualInsurance’s new business practices, the policy was not eligible to select PIP coveragebecause it was not on the daily auto policyTherefore, the policy cancellation was notrescinded.Due to the circumstances we have elected to allow the policyholder a flat cancellation ofthe policy and will provide a full refund of the paid premium.I hope this response will bring closure to our correspondenceShould you have additionalquestions, please feel free to contact Mellisa A*** via e-mail at*** or at *** *** ***.Sincerely,Mike P***, Underwriting AnalystConsumers County Mutual Insurance Company
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Dear *** ***,
Thank you for your assistant on this
matter.
I spoke to *** the credit card company, the
process is for merchant AMIG to withdraw the available funding *** provided on
the bank holding account US$266. AMIG
should keep $and refund me $258.02.
That is the refund process for merchant.
If AMIG willing to perform the above action
then issue can be resolved. At this
moment, I’m being punished by cancelation of the insurance policy
Please let me know if there is anything I can
do to resolve this matter.
Thanks and Regards,
*** **
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
call
*** *** I have recieved a check only for $there has been no call or message left by no one, I was told by ***e *** that the amount I would receive was $and some change along with an letter explaining why the amount would be smaller the amount issued for the lost of my items I will never use and recommend that no one should use this company, they are unreliable and unprofessional
Please find our response attachedThank you-Upon further review of the inspection report and the contractor’s estimate I can see that thefinished flooring would be damaged from the flooding and ductwork would need to berepairedJenny has worked up a supplemental payment based upon the estimate
submittedby *** *** and the repair estimate to the condensing unit that was included in thedepartment of insurance complaint from *** *** ***Adding together these tworepair estimates brings the cost of repair to a total of $22,l*** $2,in depreciationl*** the $1,policy deductible and $5,already paid bringing a total supplementalpayment to $13,We received a lump sum estimate for ductwork, insulation and thevapor barrier from ***Jenny has requested from *** an itemized estimate for these threeitems since we have paid for repairs to the insulation under *** ***’s estimate.Once we have received a revised estimate from *** we will work up an additionalsupplemental for the outstanding items.If you have any questions or need further information, please contact the undersigned at 1-800-375-ext***.Sincerely,AMERICAN WESTERN HOME INSURANCE AGENCYCathy W***Claims Supervisor
uUr response is attached
Good morning,
Please find attached our company response
Thank you
Mellisa A***September 9, 2015Revdex.comAttn: *** ***Re: File Number: ***Insured: *** ***Policy Number: *** Number: ***Dear *** ***,I am responding to your letter that was received
in our office on August 31, , regarding the above mentionedpolicy.Check number *** for $to cover overdraft fees was delivered to the address on file on September 2,via ***, tracking number *** *** ***eRenterPlan sincerely regrets the delay in the processing of thecheck and apologizes for the inconvenience.If you should have any questions, please feel free to contact Mellisa A*** at ***.Sincerely,Mellisa A***SrCompany Authority & Market Conduct Specialist
I am responding to your
letter that was received in our office on April 6, 2016, regarding the above
mentioned policy.Our website is generic and
in most states the car club discount is 10%We do have the following
disclaimer on our website:“Coverage is subject to policy terms, conditions,
limitations,
exclusions, underwriting review and approval, and may not be available for all
risks or in all statesRates and discounts vary, are determined by many
factors and are subject to changePolicies are written by one of the licensed
insurers of American Modern Insurance Group, Inc., including American Modern
Home Insurance Company d/b/a in CA American Modern Insurance Company (LicNo
2222-8)”.However, in light of your
inquiry we plan to reference the disclaimer about this and other discounts in a
more prominent fashion.If you should have any
additional questions, please feel free to contact me at *** or by phone at 1-800-***, extension ***.Sincerely,*** ***American
Family Home Insurance Company
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Dear *** ***, Thank you for your assistant on this matter The dispute was cancelled after I received the check. However, the check was returned from my bank because AMIG put stop payment on the check (attached the letters). I was charged for $because of stop payment actionAs I have emailed and called AMIG customer service many times to let them know *** (Credit card Company) has funding available for American Modern to withdraw since May. "The merchant's bank needs to withdraw the funding from the holding account The funding is available for merchant to withdraw.” *** card bank statedThe cost of the insurance policy is $that is the amount I paid to the credit card companyThe cancelation of the policy refund is $ AMIG should receive $of the service after refund my one year payment. That said AMIG should collect the payment $of the sales and refund my portion of $258.02. *** card bank did not sale the product or service to me hence they cannot refund $to me and AMIG entitled to receive $of the sales in this transaction. Please let me know if there is anything I can do to resolve this matter. Thanks and Regards,*** **
Revdex.com:
I have not read or received any response from the business.
Regards,
*** ***
Response is attached.June 22, Cincinnati Revdex.com West 7th
Street, SteCincinnati, OH RE ID : *** INSURED : *** ***
COMPLAINTANT : *** *** CLAIM : *** DATE OF LOSS : April 2, TYPE
OF LOSS(reported as) : Weather - wind Dear ***
***, This letter will acknowledge receipt of your correspondence
dated June 16, On April 2, 2015, *** ***, our customer, filed a claim
(#***) for damage to the shingled roof of her home located at *** *** *** *** ** ***On April 8, 2015, our adjuster, Lori C***, completed
a physical inspection of the damage to our customer’s property with the
customer and the customer’s contractor present during the inspectionDuring
the inspection, our adjuster found no damage present to the roof resulting from
windstorm, hail or any other Peril Insured Against provided in the policyThe
inspection by our adjuster revealed the shingles present on the roof were *** *** composite roof shinglesInspection of the shingles found the presence
of cracks and blistering to the shingles, which were determined to be the
result of wear and tear and manufacturer’s defectOur adjuster advised our
customer her insurance policy does not provide coverage for manufacturer’s
defectOur adjuster informed our customer and her contractor that the damage
to the shingles resulting from manufacturer’s defect should be directed to the
manufacturerOur customer was adamant that her insurance policy should provide
coverage and then request reimbursement for the insurance claim payment
provided to our customer through the process of subrogationOur adjuster again
advised our customer that their policy does not provide coverage for
manufacturer’s defectOn April 13, 2015, our adjuster completed a denial letter to
the customer quoting the applicable policy languageSince our customer’s insurance policy is a named peril
policy and manufacturer’s defect is not a named peril listed in the insurance
policy, the claim was denied*** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** If you have any
questions or need further information, please contact the undersigned at
*** or via e-mail: ***Sincerely, AMERICAN FAMILY HOME INSURANCE COMPANY Angie J*** Claims Supervisor