Our response is attached.September 3, 2015Revdex.comAttn: *** ***RE: Our Claim #: ***Loss Date: February 25, 2014Your File #: ***Dear *** ***:I am writing in response to a request for reviewing additional information regarding the above referenced customerconcern, which was received in our office on September 3, 2015.The additional information provided by *** *** indicates that he believes coverage should exist for his damage as windcaused damage to the roof which allowed water to enter the home In addition, he states that wind driven rain was thecause of the water leaking around the windows of his home It should be noted that in addition to the above referenced claim, we inspected his residence in connection with claimnumber *** in August, During our more recent inspection we noted the following:The roof of the home appears to be the original, and no evidence of damage to the roof other than signs of agingand wear Water leaking from the living room and den windows with no observable damage around the exterior of the windowopeningsWater stains on the ceilings, which appear to be the same as those observed from our inspection of the previousclaim in February, 2014*** *** asserts that coverage should exist under the policy for the leaking windows due to wind driven rain In my priorcorrespondence, I had indicated the following exclusions, which were the basis of our coverage decision for the claim: Loss or damage due and confined to wear and tear, freezing, neglect or mechanical or electrical breakdown orfailure, or manufacturer defectLoss or damage due and confined to leakage from rain, sleet or snow or its resulting damage whether or not winddrivenAs wind driven rain is specifically excluded from coverage, I must affirm that our coverage determination for water leakingaround the windows is accurate, and will remain intact During our inspections, we could find no evidence of any wind damage to the roof Please be advised that we are willing tomeet with *** *** and his chosen contractor to re-inspect the roof of his home to ensure no damage was missed duringour inspections, and the correct coverage determination was made on his claim(s) *** *** may contact me directly,and I will assist with coordination of the reinspection Please do not hesitate to contact us should you have any questions, concerns or any additional information for furtherconsideration.Sincerely,Paul S*Claims Supervisor IIAmerican 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
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***, first of all how does an address expire, I have the package that was sent to me when this case was first started , I also mention in my complaint that I spoke with Mr *** about the final analysis and he informed me that the amount would not be what I asked for from the form I was asked to fill out to be returned to him and that a letter of explanation would come with the refund , and so as in question if this all was to have been sent to me in august the 15th of then were is it and why couldn't they have called to respond to my concerns of why and were is the letter or check that they cliamed to have sent this is my reason for this complaint I've called and emailed Mr *** since that last conversation in aug and he has not return my calls or emails this matter is no complete and I did receive a call today 9-15-from the companys phone number today but they did not leave a message and I am a train operator so I'm unable to answer my phone while operating the lease they could have done if they really wanted to talk with me was to leave a message to ask me to return there call and to whom
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, *** ***
*** ***
I am acknowledging the notice of a customer concern with American Modern Home byyour office dated 12/23/and received in our office on 12/29/Thelisted claim is a request for coverage for rent payments required due tounemployment.I have reviewed the claims decision and have
determined that the correct decision was made inregards to coverageThe policy does not allow coverage for unemployment due toseasonal work.Should you require any additional information regarding the claims portion of thecomplaint, please contact me at *** *** *** ** *** *** ** ***
[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,
*** ***
Good afternoon,Please find attached our company response to your ID# ***.If you should have any questions, please don't hesitate to contact me.Thank you*** ***
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
American Modern Insurance Group (AMIG) has responded times to this dispute thus far. AMIG has not provided any step towards a resolution, not even one step. Because they are a large company and hold all the power of decision making in this dispute, they have not made any attempts to try to resolve this situation in a professional manner other than stating that they will not do anything. this is very clear in all of the communication they have had with me. the only issue AMIG has addressed is their unwillingness to fulfill their responsibility as an insurance company to cover my claim for a hail storm and its effects on my property. My home is covered by hail storms. AMIG chooses to willingly to do otherwise.According to AMIG's website, their code of ethics is "to always do the right thing." It is apparently their number one rule, yet fails to have any real life value. As was mentioned in earlier communication, their unprofessional and uncaring month long delay resulted in additional thousands of dollars of damage to my home. They fail to see the reason I mention it, and then ignore all the other points I bring to their attention. This is the basis for the type of company AMIG is, the values it really has, and its only self-preserving attitude. They apologize, yet there is no action or even a step to resolution to those empty words. As we can see, the response of AMIG does not resolve my case because they have not given any resolution to the case other than that I should take financial responsibility for their inability to take responsibility for their purpose of being in business
Regards,
*** ***
[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, *** ***
P.S.: Simple lack of communication, past agent did not inform this party that he was leaving until he had left. New agent (local - even better!) straightened the confusion out. Thank you for your assistance
Our response is attached.September 3, 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 *** ***’s rejection of our response to her complaint which wereceived on September 2, In her response, *** *** stated that she is no longerrepresented by an attorney and that she wants us to communicate with her directly.We also note that she has accepted our offer to have a claims representative complete a reinspectionwith her contractor and herself to see if there is additional damage not previouslynotedWe will be assigning the re-inspection to *** *** who will contact both *** *** andher contractor next week to schedule the re-inspection.If you have any further questions or need any further information, please contact theundersigned at ***.Sincerely,Mike P***Claims SupervisorAmerican Modern Home Insurance Company*** Phone*** FaxEXECUTIVE OFFICES/ MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.OBOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL800-375-
April 21, Cincinnati Revdex.com West 7th Street, SteCincinnati, OH RE: File Number: *** Insured: *** *** Policy Number: *** Company: American Modem Select Insurance Company NAIC Number: Dear Ms ***: I
am responding to your letter that was received in our office on April 13, 2015, regarding the above mentioned policyAs a threshold matter, the company insuring Ms*** is American Modem Select Insurance Company, not American Modem Property and Casualty Insurance CompanyI have contacted the agency and spoke with *** ***He stated that Ms***'s policy was just acquired by their agency a couple of weeks ago from the previous agent of recordThere may have been some confusion as to which agency to contact, making it difficult for Ms*** to reach the agentI have provided *** with Ms***'s phone number and email address and he stated that he will get in contact with Ms*** to discuss her policyIf you should have any additional questions, please feel free to contact *** *** at *** or by phone at *** extension ***Sincerely,*** ***,
Please find attached response.American Modern Select Insurance CompanyJanuary 25, 2016Cincinnati Revdex.comAttn: *** ***Marketplace Resource Consultant***@cincinnati.Revdex.com.orgRE: Insured: *** * *** *** Cause of Loss: Appliance/Plumbing Failure withClaim Number:
*** ensuing water damage Date of Loss: July 18, 2013Policy Number: ***Dear *** ***:Thank you for your letter regarding *** ***’s concerns with damage to her homeWe appreciateyour effort to assist and facilitate communication in the matter.It is our policy not to disclose personal claims information to other partiesWe are contacting Ms.Lambert to discuss her concerns and will endeavor to resolve this matter amicably.If you have any further questions or if any further issues arise, please contact me at *** ext:***I will be happy to assist in any way that I can.Sincerely,American Modern Select Insurance CompanyMisty F*SupervisorPhone: *** ***Fax: 513-947-4469Email: m***@amig.comEXECUTIVE OFFICES / P.OBOX / CINCINNATI, OHIO 45201-/ TEL(513) 943-
I am responding to your letter received in our office on July 25, 2016, regarding the above mentioned insured.The rate changes experienced over the last couple of years for this policyholder were due to a number of different changesHowever, none of the changes were due to any claim activity.The
rate changes between the and renewal were due to several program changesWe changed rates for this territory to get closer to the North Carolina Rating Bureau (NCRB) ratesWe are still just slightly below NCRB ratesThe policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $123,to $125,in order to keep up with the cost of replacing their covered propertyThis increase in limits resulted in a portion of the changeIn addition, the included Personal Property limit was changed from 50% of the Dwelling limit to 30%, so the policyholder saw an increase in their Personal Property premium as the Personal Property limit was kept at the same 50% level, but they are now charged for the additional 20% of coverageAlso, since the Replacement Cost coverages for the home and personal property are a percentage of the Dwelling and Personal Property premium, those increased as wellFinally, there was a slight increase in the Personal Liability premium as the included limit changed to $25,000, so the premium increased to get to the customer’s limit of $100,A notice was included on the policy informing the customer of the Personal Property and Personal Liability included limit change and the impact of this change.Between the and renewal, the North Carolina Rate Bureau implemented new rates which included a rate increase for some customersThis rate change became effective 10/1/This rate change also included a change in the rating territories and the county where this policyholder is located was moved to a higher rated territoryHowever, all individual rates and options for this policy were equal to the NCRB’s previous rates and are still equal to the recently implemented NCRB ratesOnce again the policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $125,to $128,in order to keep up with the cost of replacing their covered propertyThis increase in limits resulted in a portion of the changeSince both the Dwelling and Personal Property premium increased, the Replacement Cost and Personal Property Replacement Cost premium increased as wellFinally, the overall increase in premium was also due to a rate correction on your prior termThe deductible credit on the prior term allowed for a larger credit than was intendedThis miscalculation has since been corrected and the proper credit amount has been applied to your renewal termNotices for both the Personal Property and Personal Liability included limit change as well as the Deductible correction were included on the policy informing the policyholder of the impact of these changes.I hope this response will bring closure to our correspondenceShould you have additional questions, please feel free to contact me via e-mail at [email protected] or at *** *** *** *** Thank you*** ***
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,
*** ***
Our response is attached.September 3, 2015Revdex.comAttn: *** ***RE: Our Claim #: ***Loss Date: February 25, 2014Your File #: ***Dear *** ***:I am writing in response to a request for reviewing additional information regarding the above referenced customerconcern, which was received in our office on September 3, 2015.The additional information provided by *** *** indicates that he believes coverage should exist for his damage as windcaused damage to the roof which allowed water to enter the home In addition, he states that wind driven rain was thecause of the water leaking around the windows of his home It should be noted that in addition to the above referenced claim, we inspected his residence in connection with claimnumber *** in August, During our more recent inspection we noted the following:The roof of the home appears to be the original, and no evidence of damage to the roof other than signs of agingand wear Water leaking from the living room and den windows with no observable damage around the exterior of the windowopeningsWater stains on the ceilings, which appear to be the same as those observed from our inspection of the previousclaim in February, 2014*** *** asserts that coverage should exist under the policy for the leaking windows due to wind driven rain In my priorcorrespondence, I had indicated the following exclusions, which were the basis of our coverage decision for the claim: Loss or damage due and confined to wear and tear, freezing, neglect or mechanical or electrical breakdown orfailure, or manufacturer defectLoss or damage due and confined to leakage from rain, sleet or snow or its resulting damage whether or not winddrivenAs wind driven rain is specifically excluded from coverage, I must affirm that our coverage determination for water leakingaround the windows is accurate, and will remain intact During our inspections, we could find no evidence of any wind damage to the roof Please be advised that we are willing tomeet with *** *** and his chosen contractor to re-inspect the roof of his home to ensure no damage was missed duringour inspections, and the correct coverage determination was made on his claim(s) *** *** may contact me directly,and I will assist with coordination of the reinspection Please do not hesitate to contact us should you have any questions, concerns or any additional information for furtherconsideration.Sincerely,Paul S
*Claims Supervisor IIAmerican 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
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***, first of all how does an address expire, I have the package that was sent to me when this case was first started , I also mention in my complaint that I spoke with Mr *** about the final analysis and he informed me that the amount would not be what I asked for from the form I was asked to fill out to be returned to him and that a letter of explanation would come with the refund , and so as in question if this all was to have been sent to me in august the 15th of then were is it and why couldn't they have called to respond to my concerns of why and were is the letter or check that they cliamed to have sent this is my reason for this complaint I've called and emailed Mr *** since that last conversation in aug and he has not return my calls or emails this matter is no complete and I did receive a call today 9-15-from the companys phone number today but they did not leave a message and I am a train operator so I'm unable to answer my phone while operating the lease they could have done if they really wanted to talk with me was to leave a message to ask me to return there call and to whom
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, *** ***
*** ***
I am acknowledging the notice of a customer concern with American Modern Home byyour office dated 12/23/and received in our office on 12/29/Thelisted claim is a request for coverage for rent payments required due tounemployment.I have reviewed the claims decision and have
determined that the correct decision was made inregards to coverageThe policy does not allow coverage for unemployment due toseasonal work.Should you require any additional information regarding the claims portion of thecomplaint, please contact me at *** *** *** ** *** *** ** ***
[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,
*** ***
Customer called Revdex.com stating the matter is resolved
Good afternoon,Please find attached our company response to your ID# ***.If you should have any questions, please don't hesitate to contact me.Thank you*** ***
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
American Modern Insurance Group (AMIG) has responded times to this dispute thus far. AMIG has not provided any step towards a resolution, not even one step. Because they are a large company and hold all the power of decision making in this dispute, they have not made any attempts to try to resolve this situation in a professional manner other than stating that they will not do anything. this is very clear in all of the communication they have had with me. the only issue AMIG has addressed is their unwillingness to fulfill their responsibility as an insurance company to cover my claim for a hail storm and its effects on my property. My home is covered by hail storms. AMIG chooses to willingly to do otherwise.According to AMIG's website, their code of ethics is "to always do the right thing." It is apparently their number one rule, yet fails to have any real life value. As was mentioned in earlier communication, their unprofessional and uncaring month long delay resulted in additional thousands of dollars of damage to my home. They fail to see the reason I mention it, and then ignore all the other points I bring to their attention. This is the basis for the type of company AMIG is, the values it really has, and its only self-preserving attitude. They apologize, yet there is no action or even a step to resolution to those empty words. As we can see, the response of AMIG does not resolve my case because they have not given any resolution to the case other than that I should take financial responsibility for their inability to take responsibility for their purpose of being in business
Regards,
*** ***
[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, *** ***
P.S.: Simple lack of communication, past agent did not inform this party that he was leaving until he had left. New agent (local - even better!) straightened the confusion out. Thank you for your assistance
Our response is attached.September 3, 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 *** ***’s rejection of our response to her complaint which wereceived on September 2, In her response, *** *** stated that she is no longerrepresented by an attorney and that she wants us to communicate with her directly.We also note that she has accepted our offer to have a claims representative complete a reinspectionwith her contractor and herself to see if there is additional damage not previouslynotedWe will be assigning the re-inspection to *** *** who will contact both *** *** andher contractor next week to schedule the re-inspection.If you have any further questions or need any further information, please contact theundersigned at ***.Sincerely,Mike P***Claims SupervisorAmerican Modern Home Insurance Company*** Phone*** FaxEXECUTIVE OFFICES/ MIDLAND BOULEVARD/ AMELIA, OHIO 45102-2607MAILING ADDRESS/ P.OBOX 5323/ CINCINNATI, OHIO 45201-5323/ TEL800-375-
April 21, Cincinnati Revdex.com West 7th Street, SteCincinnati, OH RE: File Number: *** Insured: *** *** Policy Number: *** Company: American Modem Select Insurance Company NAIC Number: Dear Ms ***: I
am responding to your letter that was received in our office on April 13, 2015, regarding the above mentioned policyAs a threshold matter, the company insuring Ms*** is American Modem Select Insurance Company, not American Modem Property and Casualty Insurance CompanyI have contacted the agency and spoke with *** ***He stated that Ms***'s policy was just acquired by their agency a couple of weeks ago from the previous agent of recordThere may have been some confusion as to which agency to contact, making it difficult for Ms*** to reach the agentI have provided *** with Ms***'s phone number and email address and he stated that he will get in contact with Ms*** to discuss her policyIf you should have any additional questions, please feel free to contact *** *** at *** or by phone at *** extension ***Sincerely,*** ***,
Please find attached response.American Modern Select Insurance CompanyJanuary 25, 2016Cincinnati Revdex.comAttn: *** ***Marketplace Resource Consultant***@cincinnati.Revdex.com.orgRE: Insured: *** * *** *** Cause of Loss: Appliance/Plumbing Failure withClaim Number:
*SupervisorPhone: *** ***Fax: 513-947-4469Email: m***@amig.comEXECUTIVE OFFICES / P.OBOX / CINCINNATI, OHIO 45201-/ TEL(513) 943-
*** ensuing water damage Date of Loss: July 18, 2013Policy Number: ***Dear *** ***:Thank you for your letter regarding *** ***’s concerns with damage to her homeWe appreciateyour effort to assist and facilitate communication in the matter.It is our policy not to disclose personal claims information to other partiesWe are contacting Ms.Lambert to discuss her concerns and will endeavor to resolve this matter amicably.If you have any further questions or if any further issues arise, please contact me at *** ext:***I will be happy to assist in any way that I can.Sincerely,American Modern Select Insurance CompanyMisty F
I am responding to your letter received in our office on July 25, 2016, regarding the above mentioned insured.The rate changes experienced over the last couple of years for this policyholder were due to a number of different changesHowever, none of the changes were due to any claim activity.The
rate changes between the and renewal were due to several program changesWe changed rates for this territory to get closer to the North Carolina Rating Bureau (NCRB) ratesWe are still just slightly below NCRB ratesThe policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $123,to $125,in order to keep up with the cost of replacing their covered propertyThis increase in limits resulted in a portion of the changeIn addition, the included Personal Property limit was changed from 50% of the Dwelling limit to 30%, so the policyholder saw an increase in their Personal Property premium as the Personal Property limit was kept at the same 50% level, but they are now charged for the additional 20% of coverageAlso, since the Replacement Cost coverages for the home and personal property are a percentage of the Dwelling and Personal Property premium, those increased as wellFinally, there was a slight increase in the Personal Liability premium as the included limit changed to $25,000, so the premium increased to get to the customer’s limit of $100,A notice was included on the policy informing the customer of the Personal Property and Personal Liability included limit change and the impact of this change.Between the and renewal, the North Carolina Rate Bureau implemented new rates which included a rate increase for some customersThis rate change became effective 10/1/This rate change also included a change in the rating territories and the county where this policyholder is located was moved to a higher rated territoryHowever, all individual rates and options for this policy were equal to the NCRB’s previous rates and are still equal to the recently implemented NCRB ratesOnce again the policy was also indexed, meaning the policy Dwelling limit was increased in this renewal from $125,to $128,in order to keep up with the cost of replacing their covered propertyThis increase in limits resulted in a portion of the changeSince both the Dwelling and Personal Property premium increased, the Replacement Cost and Personal Property Replacement Cost premium increased as wellFinally, the overall increase in premium was also due to a rate correction on your prior termThe deductible credit on the prior term allowed for a larger credit than was intendedThis miscalculation has since been corrected and the proper credit amount has been applied to your renewal termNotices for both the Personal Property and Personal Liability included limit change as well as the Deductible correction were included on the policy informing the policyholder of the impact of these changes.I hope this response will bring closure to our correspondenceShould you have additional questions, please feel free to contact me via e-mail at [email protected] or at *** *** *** *** Thank you*** ***
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,
*** ***