Nationwide

I do dispute that the entire damage on my property was caused by sewage back-up, and that sewage baonly occurred because of flooding from the re-grading of the back alley by the rear neighbor, [redacted] When the storm really ramped up at 7:p.mon August 11, 2014, the first thing I did was check my basement, and this is what I reported to [redacted] , and numerous representatives of Nationwide That no sooner had I ascended the steps of my basement which was dry, water began pouring through my side door like a waterfall down my basement steps When [redacted] visited my home on August 14, he looked at a damp floor (particularly damp around the floor drain), but his determination for sewer babegan prior to inspection and explanation, and inspection and explanation were completely ignored I took [redacted] out to the back alley, and showed him the incline and ditch caused by [redacted] re-grading with dump trucks full of dirt I showed [redacted] the side alley where all water flowed during this storm causing the west end drain to be overwhelmed I showed [redacted] that only the west end of the alley was still damp while the east end was bone dry I showed [redacted] the water marks on the glass of my side door, and the water marks on the glass block windows (above grade of the foundation) I showed [redacted] the weatherstripping ripped from the bottom of my side security door from the pressure of water entering my side door I explained how my house sat in a pond for hours causing the rear wall of my basement to bow, and for collapses to happen above grade of my foundation (tongue and groove cedar ceiling installed 2013, stone window well and portion of wall, separation in dry wall ceiling) I explained to [redacted] that the only reason my house was still standing was the steel beam construction which I also showed There are more details When I questioned the provisions of my policy, I was told by all representatives of Nationwide that HOdoes not cover any of this However, in the wording of my policy (which I was unable to submit electronically, so I submitted via UPS), there are exceptions to HOlisted on page of 28, and one of these exceptions covers flooding if it was caused by "zoning or grading" Although I sent this policy portion to Revdex.com via UPS, it is not attached to my complaint I will quote it here: "Special Provisions in Michigan" ...beginning on page of 28: "Section I: Perils Insured Against This Section Also Contains Exceptions and Exclusions From Coverage" In the section containing "exclusions", "weight of water" is excluded "Flooding, water damage etal" are excluded However, page of offers "exceptions" "B We do not insure for loss to property described in Coverages A and B caused by any of the following However, any ensuing loss to property described in Coverages A and B not precluded in Section I - Exclusions in A above is covered Weather conditions However, this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in Ato produce the loss Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body Faulty, inadequate or defective: a Planning, zoning, development, surveying, siting b Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction c Materials used in repair, construction, renovation or remodeling: or d MaintenanceOf part or all of any property whether on or off the 'residence premises'." HOdoes not cover the event I have explained, however, these exceptions found on page of 28, seem to make exception to my experience and insurance coveragePart B, section 1, weather conditions contributed via record rainfall causing my home to sit in a pond for hours The result was a bowed rear basement wall, collapsed stone window well, collapsed tongue and groove cedar ceiling (installed 2013)cracked drywall ceiling ( installed 2013), discolored and cracked mortar joints to an interior glazed brick wall, loss of electric panel (installed during kitchen / bath remodels), entire rear wall still saturated at this writingPart B, section 2, acts or decisions by a block club comprised of residents (still remaining on block), [redacted] (Dresden), Omar Porter (Bradford), and witnessed by Mark Guarnieri (Bradford) to re- grade this back alleyPart B, section 3, b, the grading of this back alley caused my entire property to become a catch basin during this record storm When Cory Osborne, Nationwide's Catastrophe Specialist came to my home on September 3, 2014, I was issued a second claim number for the same loss MrOsborn came with a ladder, and wanted to inspect my roof inspect, and upper floor I begged him to photograph the basement wall, which I have had a temporary repair placed to to avoid further collapse I asked [redacted] e to explain the portion of my policy listed above MrOsborn insisted, as did [redacted] ***, MrRodriguez, Mr, Middlebrook, etal., that the words "exception" and "exclusion" meant the same thing, and that those "exceptions" listed in part "B" only applied to "grading on my premise" even though the wording is "whether on or off premises" I did, on September 3, explain to [redacted] , that a flood clecrew was brought into the home immediately They steamed and disinfected everything Personal belongings were discarded However, an odor lingered My nose led me to the electrical panel, mounted above foundation grade I called an electrician The wall behind this panel was saturated, and the panel was pulled The wall was then treated with Hydraulic cement Within hours of the hydraulic cement application, the wall bloomed mold Nationwide agents explained to me that the "Fungi - Bacteria" rider is never paid as "mold takes years to grow" I have photographs taken of this basement in June of There were no maintenance issues This was a beautifully finished basement with new mechanics The walls were a glazed brick with white mortar joints in the laundry / mechanical area There were no mold or dirt issues It is true, I have experienced great difficulty communicating with Nationwide Due to lack of hot water (finally restored with new tank on Monday, September 8), lack of furnace a/c during periods of extreme heat and cold, and having to go to a laundromat on crutches (degenerative arthrosis); I have developed a bronchial infection treated by my doctor September I have felt feverish for weeks I have lost the comforts of my home which was well appointed prior to this event I am not well, and spent a lot of money making certain my handicapped needs were met in this house I spent a great deal of money having the best furnace, finishes, and maintained property I thought I was insured All I want from Nationwide is to show me in my policy where it is specifically stated the things I have been told by their representatives Those things, are, once again, where does it say in my insurance document: that, "sewer bacancels out HO3", where does it say: that "fungi-bacteria rider is never paid", and where does it say anywhere on this earth that"exclusion means the same thing as exception"? [redacted] ***, as well as other Nationwide representatives, keep telling me things I already know and can read, but continually sidestep the wording of what I have listed above I am hoping their next response can address the above wording more specifically I do believe that I said this in my original complaint, "where does it say on this sewer barider that all other provisions of the policy are cancelled out?" [redacted] , in his Revdex.com redress does define that HOand HO apply to exclusion for rental and condominium properties under this rider HOand HO^exclusions do not apply to me I am a homeowner No-where is it stated that HOis excluded No-where Regards, [redacted] ***

I am writing in response to Mr [redacted] 's camplaint regarding his recent experience with an automobile applicationwith Nationwide BankThe loan application was originally submitted online on March On March 31, Nationwide Bank requested viaernail to Mr, [redacted] , a copy of tha title to confirm the VIN and seller nameIn the absence of a title, a documentfrom the existing lender providing the complete and correct VIN and the name of the seller would be satisfactotory.On April 6, Mr [redacted] contacted Nationwide Bank to check on the status of his loanHe was advised that ourunderwriting team was still waitlng for the title informationMr [redacted] contends that he did not receive the Marchemail requesting the information.Mr [redacted] was advised at that time of the documentation that was required to proceed with his loan request andhe was given a fax numberMr [redacted] took steps to confirm the fax number and found it to be incorrectHecalled Nationwide Bank again, and was given a similar fax numberMr [redacted] contacted the seller of the vehiclerequesting the documentationHe called back on April to confirm that documents had been received, and wastold that they had notBecause he had been given an incorrect fax number originally, he called Nationwide Bankagain to confirm the fax numberHe was advised that the number provided was incorrect, and gave yet anotherfax numberThe seller's bank did provide documentation which included the full and correct VIN and the name of the seller.However, the VIN shown in that document did not match the VIN included in the loan applicationAn incorrectVIN had been entered during the initial applicationDue to system constraints at Nationwide Bank, a new loanapplication would need to be submitted, using the correct VIN in order to proceed with the loan requestAt that time, Mr [redacted] chose not to proceed with his application with Nationwide Bank, and has since obtainedfinancing elsewhereSincerely, Anne C [redacted]

[redacted] [redacted] *** [redacted] [redacted] [redacted] *** /> In review of the complaint, [redacted] was requesting the collection amount of $be removedThe additional amount was due to the addition of an individual of driving age who resides in the home Per our consistent business practice, all individuals of driving age must be rated or excluded on the auto policyThe company received notice from the Motor Vehicle Administration that [redacted] used the address on this policy to obtain a drivers license; therefore, he was added to the policy The company did not make an error; however, based on the customer service received and the exclusion not being offered until after the driver was already rated on the policy, the company is waiving the collection amount of $ The collection agency has been notified Please let me know if anything additional is needed Sincerely, [redacted] ________________ Here is the Agents's response that was omitted in the first response Thank you Agent Response Based on the customer contact notes attached, the calls from the customer were not transferred to a Satellite office, but to the Nationwide PLSC My office policy is to utilize the PSLC whenever we can for member servicing This is in-line with Corporate's strategic direction for the Agencies If a member specifically wants to speak with an agent , either myself or one of my Associate Agents will take the call In this case, at the customer's request, [redacted] was the Associate Agent who assisted If a situation arises where the customer only wants to speak with me personally, then the call is transferred to me In this case I didn't read where the customer only wanted to speak with me

[redacted] [redacted] [redacted] [redacted] [redacted] [redacted] ________________________________________________________________________ I will attempt to explain this situation to you step by step using documents In July, 2013, my family bought a Toyota Camry from Oxmoor Toyota in [redacted] We had insurance from Nationwide and for this purchase, we added our son, [redacted] , age 27, to the title and policy of this car We paid months of insurance at the time of purchase October 25, 2013, we received a letter from Nationwide saying our insurance would be revoked on January 15, because ***’s license is coming back unverifiableWe didn’t pay enough attention to this letterIn mid-December, Nationwide sent the same letter dated Octagain This time, I immediately went to see my Nationwide agent, [redacted] He looked at the letter, noted ***’s [redacted] Driver’s License number was unverifiable, and then he asked for ***’s driver license number again and said everything has been taken care of I asked if I should pay for the insurance at that time and [redacted] said, “No, everything is in order Just wait for the new invoice.” Since [redacted] said that everything was fine, we thought our policy will be extended as usualNo invoice arrived and we actually forgot about the expiration date So, our car was no longer insured as of January 15, On February 6, 2014, while the car was warming up, I had the remote in my pocket and went into the house to change shoes When I returned, the car was gone We immediately called Nationwide and they informed me that the insurance had been revoked Then I called the police who came and filed a stolen car report On February 7, 2014, we saw [redacted] , our Nationwide agent We explained the situation and he seemed surprised that we had not received an invoice for the insurance He called the 1-Nationwide phone number and told them that there was no invoice in their computerWhile we were in the office, he raised his voice to someone from Nationwide over phone “Why didn’t you send another letter with the cancellation date? I don’t see a warning letter was sent Why did you cancel the policy with no warning?” He mentioned that there was still a problem with ***’s driver’s license coming back unverifiable I gave [redacted] ***’s [redacted] Driver’s License number for the third time I was very surprised because in mid-December, [redacted] asked for ***’s driver license number already and we gave it to himThen he told me that there was no longer a problem and that I was to wait for an invoice We left the Insurance Office He called us back later and asked us few questions to renew the policyHe asked if there was any accidents or tickets since the expiration date of the policy and we said no because we didn’t get any tickets nor accidentsHis boss agreed to renew our policy from January to March 2, We paid $and he issued us a Temporary Proof of InsuranceImmediately after this transaction, we informed him of the stolen car He had to talk to his boss and told us he would call us back On Feb10, my daughter called [redacted] and I went to his office [redacted] told me that the policy was completely cancelled and that it was our responsibility to read the warning letter in Oct He then informed us that this warning letter had been sent and that I had to check for a problem at the Post OfficeWhy was our policy cancelled in the first place since we gave the information that they’ve been asking for? My problem is that Nationwide is claiming that they cancelled our policy because they didn’t have ***’s driver license number, even though we have provided them with that number a couple times personally, before our insurance was expired On Feb18, 2014, we filed a complaint with the Revdex.com We think there were some errors made in treating our case Could you please look into this matter again please? Thank you for your cooperation [redacted]

This letter is in response to the inquiry received from your office on April 4, This claim is for damage to Mr [redacted] ’s rental property due to bats in the atticMr [redacted] has been unwilling to allow us to inspect the damage and prepare an estimate of repairsSince receipt of this complaint, we have been in communication with Mr [redacted] ’s agent, per his requestThrough his agent, we have been advised that Mr [redacted] is will meet with our independent adjuster on April 20, or on April 18, We requested that our independent adjuster contact Mr [redacted] to schedule the inspection on one of these dates and that the independent adjuster coordinate the date and time of the inspection with Mr [redacted] ’s bat expertOnce the inspection is complete, we will be able to move forward with the resolution of this claimIf you require further assistance in this matter, please contact our Customer Relations Coordinator, Erikka K [redacted] at ###-###-#### or by email at [redacted] Sincerely, Teresa [redacted] M [redacted]

[redacted] Our investigation has been concluded, statements taken, photos and estimates completed and have concluded that *** [redacted] 's daughter is 50% responsible for this multiple car accident*** [redacted] likely wants us to pay 100% because she does not have collision coverage Our liability decision stands

Dear [redacted] This letter is in response to our second follow up letter that was sent on March 6, We are aware of [redacted] ***’s concerns and have completed a thorough investigation and are confident that our liability decision is accurateWe have taken the necessary steps to evaluate this claim and the damages to both parties’ vehiclesWith regard to [redacted] ***’s concerns of physical damage to his auto, the picture reveals damage to his vehicle which appears to be from an impact of some kind but is not consistent with damage from a vehicleNor does the picture show any paint transfer that would be consistent with damage from a red car door Furthermore, we have determined, based on the evidence submitted, that our insured vehicle did not cause damage to [redacted] vehicleThere is no damage to our insured vehicle and no paint chips that would suggest impact with another object or vehicle [redacted] took his vehicle to one of our preferred shops for an estimate This was not an authorization for repairsAt no point in time did we advise [redacted] that we would extend coverage for his damages Our investigation was ongoing and no liability decision had been made on this file [redacted] does have the option to seek repairs through his insurance carrier GeicoWe encourage [redacted] to contact claim adjuster, [redacted] , with his insurance company ***, at ###-###-#### We hope we have answered the consumer’s questions or concerns that were brought forward with this concern and if there is any additional information needed or clarification on any concerns, please let me know [redacted] Nationwide Property & Casualty ###-###-#### [redacted]

A Again I am requesting to have my claim settled by a different Nationwide district where I can obtain prompt, courteous, respectful service? B In addition, I am asking when will my claim for the fire damaged ADT system and range hood replacement be paid? I submitted replacement cost for both? Below are Nationwide’s comments (in black) and my responses in blueAccording to Nationwide, my claim is still under investigation My question is: What is being investigated? Is there feedback regarding this investigation that has ongoing for months now? According to Nationwide, they have retained legal counsel who is communicating directly with Ms*** My response: Nationwide’s attorney is a part of Nationwide’s team, so did Nationwide really retain legal counsel or merely get help from their legal department? According to Nationwide, they are requesting documentation in accordance with the terms and conditions of the insured’s policy? My response: What documents? I have given Nationwide a copy of my policy, a copy of the quote/bill, a copy of my property deed and a copy of my lien release Please specify what other documents are needed that you are referring to? According to Nationwide, they are only asking me to comply with the policy conditions My response: I have complied with every request currently What specifically does Nationwide need? Please be specific; I am willing to comply? Again, below are the events and facts of my claim which is still open where payments are still delayed Please let me know if there are further questions/concerns/or evidence needed to substantiate any statements I have made? Again thanks for your time and considerationSeptember 2014, I Phoned Nationwide to report an electrical home fire and submit a claimI protected the property from further damageLocated a contractor for repairs Many damages were repaired/ but some were not (the ADT alarm system, range hood, in-wall damages) Nationwide failed to come to the home prior to the repairs even though they were notifiedNationwide reached my home days later during the repairsA quote/bill for the damage repairs was submitted, but rejected by NationwideI Allowed Nationwide to send in a 2nd contractor to verify damages and the claim – [redacted] was brought in by Nationwide (this quote agreed with quote/bill I submitted yet the claim wasn’t paid) Nationwide stated I didn’t own my home based on Nationwide’s investigation I submitted proof of ownership to Nationwide – Nationwide rejected the proof (my lien payoff and deed) and set the policy for cancellation Nationwide later reinstated the policy due to faulty investigation methodsNationwide ask me to submit to, an examination under oath I agreed (on any given Saturday) Nationwide never contacted me backNationwide now wants to send in an electrician to assess damages AGAIN I agreed(Nationwide has yet to set a date with me to have this electrician visit the property) Nationwide now wants an examination under oath again I agreed to the examination - June 13th Now, I am asking Nationwide to turn my claim over to a different district so that it will be handled promptly and professionally? Thank youSincerely, [redacted] ***

The cancellation of the policy was for non-paymentThe reason there was no payment is because Nationwide Changed all my contact info from [redacted] and phone number ###-###-#### to [redacted] Phone number ###-###-#### Additionally when they changed my info they stopped my auto paymentThis is the reason I had notification that my policy was going to be cancelled in addition to assuming my payments were being made

To Whom It May Concern: Thank you for your recent inquiry regarding a complaint you received from [redacted] ***As Customer Advocacy Complaint Coordinator, I have compiled the responses of [redacted] and [redacted] If we do not provide the information you need for this matter, please do not hesitate to contact the appropriate Nationwide representative mentioned below [redacted] was issued a personal lines auto policy The concern regarding loss adjustment [redacted] An unlisted driver on the policy, [redacted] ***, was involved in an auto accident on December 25, in which the Honda CR-V we insure was damaged to the point it was considered a total lossOur adjustor, [redacted] ***, received the file on December and worked with the policyholder to resolve the claim [redacted] extended the following settlement to [redacted] on January 7, 2014: Actual Cash Value = $4, Sales Tax 6.00% + $ Tag/Title Fee + $ Subtotal = $4, Deductible - $ Net Settlement = $4, This settlement was accepted and payment was made to [redacted] on January This check has cleared The concern regarding the deductible [redacted] As indicated above, [redacted] ***’s deductible applied to the settlement was $due to the vanishing deductible endorsement on her policyOn August 7, [redacted] mailed [redacted] a check for the full $deductibleThis check has also cleared The concern regarding the agent’s handling of the policy [redacted] In speaking with the primary agent of record, [redacted] , here is the information with which he responded We have made several attempts to discuss [redacted] ***'s payments and concerns with herOn several occasions, we have confirmed the accuracy of her billing with Customer ServiceAssociate Agent [redacted] left a voice mail on her answering system, while customer service was on the line, for them to explain billing to herWhen there was no answer, a voice mail was left to call billing to confirm what has been explained to her According to our confirmation with billing, her payments have been lateWe have pulled billing and confirmed with her checksIt appears the dates on her checks are earlier but it is not for the current bill; customer service explains she is paying past due billingWe have sent our client copies direct from customer service's payment historyAt one point we received a call from [redacted] Bank saying that there was a bank error concerning her accountOur system was charging her two months for the Bad Check plus a Reinstatement FeeThe bank has issued a letter of the error to NationwideWe needed to reinstate the policy for what she paid and waive the Reinstatement fee The member asked agent [redacted] to change her billing account numbers which he did as she requested, however, he states that at no point in time did she ask him to rewrite her policy The concern regarding the cancellations [redacted] In regards to both Auto and Home, the policies were cancelled effective July 17, due to Bad CheckHowever, both policies were reversed with no lapse in coverage due to receiving a letter from *** Bank that there was fraudulent activity on the bank account Attached you will find a premium breakdown for both auto and home, along with a billing history and distribution of all funds received Thank you for bringing these concerns to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call B [redacted] , [redacted] at ###-###-#### or email her at [redacted] Sincerely, [redacted] Nationwide Insurance Company ######### [redacted]

[redacted] [redacted] [redacted] [redacted] ** [redacted] [redacted] *** [redacted] *** Thank you for your recent inquiry regarding a complaint you received from Mr [redacted] ***As Claims Manager, I have reviewed our claim file and would like to address Mr***’s concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know The concern regarding our settlement offer for the total loss of Mr***’s vehicle, Mr***’s vehicle, a Nissan Pathfinder, was identified as a total loss due to the accident with our insured on February 20, A settlement offer of $was extended to [redacted] *** on February 27, 2014, for the full actual cash value of his vehicle including payment for all applicable feesFollowing is the settlement outline for that offer Actual cash value: $ Applicable tax: $ Fee: $ Total settlement: $ The actual cash value was based on a current local market survey, and took into consideration the vehicle’s mileage, options and overall condition at the time of the loss In addition to the settlement for the vehicle, a rental car was provided to Mr [redacted] through March 6, for a total of daysThe full cost of rental was paid by [redacted] Full payment for our settlement offer was issued to Mr [redacted] on March 5, upon our receipt of his signed vehicle titleWe have reviewed the facts of our settlement with Mr [redacted] and find that the amount paid for his vehicle was fair and reasonableIf you should need additional information related to this matter please contact me Sincerely, [redacted] ##-###-####

[redacted] *** [redacted] [redacted] [redacted] ** [redacted] Thank you for your additional inquiry regarding a complaint you received from [redacted] *** I would like to address [redacted] ***’s additional concernsIf I do not provide the information you need for this matter, please do not hesitate to let me know I will attempt to add clarification to our initial response of November 6, 2014, regarding the three issues that [redacted] brought up in his rejection: “Not all of my personal belongings were forwarded.” As stated previously, when [redacted] notified us that he did not remove his personal items before giving us permission to move the vehicle, we made arrangements for Copart to retrieve all personal items from the vehicle and ship the items to him at our expense If there are items that he did not receive back, he can make a claim under a homeowner’s or renter’s policy There is no coverage for lost personal property under his auto policy “The refurbishment that was made on my property was $7000.” Our initial response indicated we have offered settlement based on a market valuation report from CCC Information Services, which determined the fair market value of his vehicle based on comparable vehicles in his area, with adjustments made for options, condition, prior damage, and the refurbishments that he mentioned We submitted to CCC the receipts that [redacted] provided to us for consideration in vehicle -- $6,for a refurbished engine installed 12/3/ Based on CCC’s market survey, we increased our offer by $ (Vehicle value does not increase by the full cost of vehicle maintenance.) “Nationwide stopped my rental reimbursement.” [redacted] ***’s policy allows for a maximum coverage of days, and we have paid for the full benefit under the policy, days Since we last corresponded on November 6, 2014, [redacted] has accepted our offer through his attorney, and we have issued payment in full for the settlement agreement Our settlement is as follows: Actual Cash Value $9,Additional Considerations/refurbishments $1,Unrelated Prior Damage Identified $Unrelated Prior Damage Applied -$Subtotal $10,Tax Amount based on Rate 2.875% $Title fee $Registration Fee $Less Deductible -$Settlement offered $10, Based on my review, this claim was properly handled and settled Based on our exchange with [redacted] ***’s attorney, we believe that we have reached an amicable settlement with [redacted] *** If you should have any questions or wish to discuss the matter further, please feel free to call me Sincerely, [redacted] Nationwide Property & Casualty Insurance Company ###-###-#### [redacted]

Your inquiry on behalf of the customer associated with the complaint ID noted above was referred to me for responseMy review indicated that our Customer Service Representative did not provide correct information regarding the change in the billing system when speaking to the insured late last yearIn conjunction with this change, the new billing program would not function in the same manner as the previous one hadThe insured was making monthly payments on a program that required payment in full only at the beginning of the new policy termWhile the prior billing program allowed the monthly payments, the new one would not.I spoke to Ms [redacted] and explained what had occurredShe indicated they had obtained other insurance but needed correction to their policy cancellation date to avoid forced placed insurance by their lienholderThis change has been made and the collection process halted as there is no longer an outstanding balance owedWe regret the confusion created by the inaccurate information provided by our representative during our transitioning to the new billing programThank you for this opportunity to review our handlingI hope the additional information provided serves to further explain our actionsIf you require further assistance, please contact our Customer Advocacy Coordinator, Janice K [redacted] direct at ###-###-#### or by email at [redacted] Sincerely,Mary K [redacted] ***

[redacted] *** [redacted] [redacted] ***... ** [redacted] [redacted] [redacted] ** [redacted] ** [redacted] *** [redacted] ** [redacted] To Whom It May Concern: Thank you for your recent inquiry regarding a complaint you received from [redacted] . As a Property Claims Manager, I have reviewed this claim file and would like to address [redacted] ’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know. [redacted] has a personal lines homeowners policy. [redacted] filed a claim on November 6, 2013 for hail and wind damage to the roofing system of her home. [redacted] is dissatisfied with our paying for a repair instead of a full replacement of her roofing system. The concern regarding the settlement amount for the damage to the roof Our physical inspections of the roofing system indicated the roof had normal wear and tear given the age of the system. We also noted a total of 8 damaged shingles on the home as a result of wind. We found the roof to be in an acceptable condition which would allow for an appropriate repair. We paid for those damages less her applicable deductible. We did not find any hail damage to the roof. [redacted] mentioned damaged wood. Our inspection did reveal wood rot and deterioration on certain areas of the soffit and eaves around the home. We observed that the piping jacks and exhaust vents on the roof also showed signs of age and deterioration. Our inspection concluded the jacks and vents are points of the entry of water intrusion on the home. These points of intrusion resulted in damage to the interior. We paid for the damages caused by the water entering the interior of the home but we do not owe for the wear and tear observed on the pipe vents which allowed the water to enter the home. These issues are related to regular maintenance of the rubber gasket on the piping jacks. A copy of the estimate is enclosed. My review of this claim revealed fair claims practices and confirmed that we are paying for the direct physical damage to the roof caused by a covered peril. Under the insurance contract, we are responsible for the cost to repair or replace. See copy of policy language. We also paid for the damages caused by the water entering the interior of the home. Based on my review, this claim was properly handled. However, I am sorry that the outcome was not satisfactory to [redacted] . We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. If you should have any questions or wish to discuss the matter further, please feel free to call me at ###-###-####. Sincerely, [redacted] [redacted] Nationwide Mutual Insurance Company ###-###-#### [redacted]

Nationwide has falsified the claim that [redacted] even exists! I will be filing a suit for this liable! Under no circumstances does this person even exist! I cannot believe the audacity of this company! If you search the entire world data base this person is non-existentMost importantly they falsified my multi-line discount Seems to be a company of deceivers and money grubbersThank you Nationwide! Always at your Back!

Please allow this letter to serve as our response to Ms [redacted] ’s inquiryHer inquiry specifically addresses concerns regarding the handling and settlement of the Nationwide property claim for Harrine [redacted] I contacted Ms [redacted] on January 29, I explained her insurance coverage to her and explained that I would be glad to assist her I apologized for any inconvenience in the handling of her claimHer claim was incorrectly set up under her homeowners policy when in fact the loss would need to be handled under her auto policy I advised her that I would contact our call center to have the correct claim set up I contacted the call center and had a claim set up under her auto policy [redacted] which was assigned claim number [redacted] and assigned to our Fire Theft Unit I immediately contacted Ms [redacted] back and provided her with this information along with contact information for this unitI also advised her that I had the incorrect claim filed under her homeowners policy disabled to show that there was no payment issued under the policy Since the auto claim was reported Ms [redacted] has been contacted by the auto claims adjuster and a payment has been issued in accordance to her auto policy coverage Claims are handled exclusively by our claims associates and we apologize for any misunderstanding regarding the agent’s role regarding the claim and Ms [redacted] ’s contact attempts If any further follow up is necessary, please do not hesitate to contact me at the number listed below

[redacted] ,Per our conversation yesterday, February 16, attached are copies of the emails I received from Phil Favret beginning on February and my responses.We have come to an agreement and Favret will be installing the correct unit (25HNB636) on Thursday, February As I indicated to you yesterday, I will follow up with you after the re-installation via email to confirm that all work has been completed.If you have any questions, let me know[redacted] ***

Thank you for your recent inquiry regarding a complaint you received from Ms. [redacted] , unfortunately do to privacy concerns I cannot share the specific details on this claim. sans-serif;"> As Property Claims Manager, I have reviewed this claim file and have spoken to Ms. [redacted] about her concerns. Additionally, Nationwide has taken additional steps to assist in the evaluation of the damages and to help to address the concerns of Ms. [redacted] as we work towards an amicable resolution. Based on my review Nationwide believes the claim was handled in a professional manner. However, I am sorry that the outcome was not satisfactory to Ms. [redacted] We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. Sincerely, Kenneth W G [redacted]

I faxed the bill ($1505.57) showing the date of June 30, 2015, that is the first I knew about the increase. I sent the email showing I didn't have access to "paperless" billing and documents until June 30,2015 which I had to call the agent and get my sign on information since I wasn't aware the account had been set up for months via Nationwide. That is why I didn't respond until June/July 2015. The time frame that I respond is irrelevant to the amount of money owed to me. Nothing about Nationwide's response makes sense. The math is done on every declaration. There is nothing showing why Nationwide absorbed $626.95 of the $1505.57 that was taken from escrow. The $626.95 came from yet another change due to over charging on the garage square footage. On Sept. 14, 2015 I spoke with B L [redacted] (Nationwide customer service rep in Columbus Ohio) and emailed him the appraisal drawing and measurements of my house. On Sept. 15,2015 he called me back and said the deduction was approved by the underwriter. So, Mr. P***, you are wrong when you stated that the measurements were "largely correct". The discrepancy was with the guest house and the garage. According to my correspondence with D D [redacted] ( Nationwide agent) The increase was for 4188 square feet not the actual 2981 square feet of the house. That is obviously "largely" incorrect. If I opted for a higher deductible ($5000) but already paid the higher premium for the lower deductible ($2500) for 10 months then you back dated to give me the higher deductible effective October 23, 2014 that means my premium is lower. Therefore, you owe me money. If I opted for the lower deductible, my premium (out of pocket) is higher which means I would have owed you money. Nowhere on any of the statements I received shows where the $626.95 went.Simple math: October 23, 2014 premium $2759.32 Money pulled from escrow $1505.57 = $4264.89. July 09 dwelling change new premium $3774.04 ($490.85 difference in premium I was refunded $184.20...) July 30,2015 deductible change new premium $3409.56 ( difference from July 9 is $364.48 I was refunded $86.83) Aug 25 dwelling change (square footage) new premium $2982.49 (difference 427.07 I was refunded $427.07) Final premium as of now Sept 21 $2939.81 (difference $42.68, no refund) From beginning to end it was only a $180.49 difference in premium 9-21-2015, $2939.81-$2759.32 (original Oct 2014) = $180.49.. I've received $184.20+$86.83+$427.07=698.10 Over charged $1505.57-$698.10 refunds - $180.49 final premium increase =$626.98 owed to me. If you could justify where the $626.98 went it should reflect in the declaration and premium each time you sent it. It should equal to $0.00. I also have an email contesting the $1505.57 and stating that I wasn't going to pay the increase because Nationwide couldn't provide a valid reason for the increase. I also said in my email (which I will forward) that I would not sign the new contract and I was shopping for a different insurance company to cover my homeowners insurance. Despite that email, Nationwide withdrew from my escrow. I have forwarded my complaint to the [redacted] Insurance Commissioner to have D D [redacted] /Nationwide reviewed as well as spoke with an attorney to consider pressing criminal charges for withdrawing money after I adamantly made it clear I was going to drop Nationwide in July. I have every email, statement and document. I doubt I will have problems getting reimbursed for the stress, increased house payment due to escrow shortage and many hours I have spent on the phone, gathering documents, sending emails fighting to get back my $626.98 from a multi million dollar company. Regards, [redacted]

To Whom It May Concern: Thank you for your recent inquiry regarding a Revdex.com complaint received from [redacted] As Material Damage Claims Manager I have reviewed this claim file and would like to address the issues involving this Texas claimInitially it should be noted that as is our insured, Mr [redacted] is a resident of TexasAdditionally, the motor vehicle accident that gave rise to the claim of Mr [redacted] occurred in Grapevine, TexasAt the time of the accident, Mr [redacted] was operating a motor vehicle he leased from [redacted] Leasing of Dallas, TexasThe Colonial County Mutual Insurance Company (Nationwide) paid for the repairs to the leased vehicleThe parties have not been able to resolve any diminished value claim for the leased vehicle.Nationwide acknowledges that the leased vehicle likely suffered diminished value as a result of the aforesaid accidentWhile Mr [redacted] is not the owner of the leased vehicle, [redacted] Leasing granted him permission to resolve any diminished value claimBased upon our investigation into the diminished value claim the leased vehicle suffered diminished value in the amount of $On August 3, Nationwide issued payment in the amount of $for undisputed diminished value to [redacted] Leasing which it acceptedMr [redacted] disputes this amountMr [redacted] has since traded the vehicle and is seeking the variance from the paid trade in amount he negotiatedHis settlement demand is an additional $Under Texas law the burden of proving any diminution of value to the leased value rests with its owner, [redacted] Leasing, or in this case, Mr [redacted] because of the assignment [redacted] Leasing gave to himIt is the position of Nationwide that Mr [redacted] has not satisfactorily supported his demand for additional compensation through proper documentationBecause he is not the owner of the vehicle and is attempting to negotiate on behalf of the owner of the vehicle, he is unable to provide us with the necessary documentation only an owner can provideUnless and until Mr [redacted] provides sufficient documentation to support his claim for additional compensation, it is Nationwide’s position that he has not sustained his burden of proofConsequently, at this time Nationwide maintains that it has paid the proper compensation for the diminished value of the vehicleIf you have any additional questions please do not hesitate to contact me