Nationwide

[redacted]
                                    [redacted]      [redacted]   [redacted]
                                        ...⇄ [redacted]                                                            Please accept this letter in response to your correspondence dated August 18, 2014 regarding the above cited claim. [redacted] noted that our estimate was based on the engineer’s report.  We did hire an independent adjustor who inspected the exterior and interior of the buildings.  We have photographs of the interior of the building.  Our estimate is based on the inspection that occurred on February 20, 2014.  
The photographs do support that the interior of the buildings do show rot as well as long-term damage caused by repeated moisture.  Again, this is not covered by [redacted]’s homeowner’s policy.  [redacted] indicates that there are two estimates; however we only received one estimate through the Revdex.com.  If she could please send us a copy of the estimate she is referring to we would be happy to address it.  
If we do not hear from [redacted] we will attempt to contact her again. 
Sincerely, 
[redacted], AMCO Insurance CompanyPhone: ###-###-####[redacted]

[redacted]
 
 
[redacted]
 
[redacted]      [redacted]...

[redacted]               [redacted]
            [redacted]              [redacted]    
            [redacted]           [redacted]              
The above referenced Personal Lines Auto policy was written effective November 7, 2013 with a semi-annual premium of $526.20. During our discovery period there was a claim and an investigation.  The investigation revealed material misrepresentation on the application and that the policyholder did not live at the policy address.  The policy rate was then corrected to the appropriate address and rate. This change was completed during our discovery period and resulted in an increase in premium of $631.10.  The new semi-annual policy premium is $1157.30.  The policyholder sent in a request to cancel the policy effective February 12, 2014.
The premium for the time the policy was in force from November 7, 2013 to February 12, 2014 is $622.50. We received a payment of $526.20, leaving a balance due of $96.30 for premium owed up until the cancellation date.  
If you require further assistance, please contact our Customer Relations Coordinator at ###-###-#### or by email at [redacted].
Sincerely,
[redacted]
###-###-####

Initial Business Response /* ([redacted], 5, 2016/09/30) */
The customer's claim was rejected by the warranty company. The warranty included maximum coverage of the blackbook value of the vehicle at the time of repair. The repair cost was $[redacted]. The blackbook value of the vehicle is $[redacted]. That is the...

maximum coverage [redacted] has. We were able to get goodwill from the current undercoat provider for the $[redacted] that would have been covered. Colonial Honda contributed $[redacted] of goodwill for the inconvenience. The customer was responsible for the remaining $[redacted]. The undercoat company has a deadline of Sept 10 for resolution. This date was clearly communicated to [redacted]. Repeated phone calls were made to the customer before the deadline to find out if she wanted to proceed. The phone calls were not returned. The amount that was offered to [redacted] was much more than she would have been entitled to if the warranty claim had initially gone through. In letting the deadline pass the offer was considered declined by the undercoating company.
Initial Consumer Rebuttal /* ([redacted], 7, 2016/10/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When I was told about the $[redacted] cap I was surprised to say the least. I called [redacted] and asked them how they arrived at that amount and I was told that figure was never discussed? So, I was left to assume it was an amount that Colonial chose. I had just paid CH over $[redacted] this spring to basically void my warranty [redacted] I still do not feel I should have to pay anything toward the body work.

I am in receipt of the Consumer Complaint generated by [redacted]. 
Calibri;">Her concerns noted in the complaint indicating that she had problems with her check and that she feels the associate who handled her case, did not keep their commitments. 
After further review of the customer’s auto claim, for an accident that occurred on April 21, 2013, it appears that she was a passenger in a vehicle that she owns and was being driven by [redacted], our Bond Holder.  [redacted] was found 50% liable for the accident and [redacted] made an injury claim at that time which we honored in full.
We settled [redacted] injury claim and received her signed release on May 29th, 2013 where we agreed to pay her $250.00 for her general damages and to set aside $2000.00 for her treatment she incurred during the agreed upon time frame.
Payments were issued as follows:
·        $250.00 for general damages on May 29th, 2013
·        $394.00 for medical treatment incurred at [redacted] for dates of service 4/22/13, 5/7/13, 5/20/13. This payment was issued on June 20th, 2013
·        $625.37 for chiropractic treatment from 4/25/13 to 5/10/2013 to cover a total of six treatments.  This payment was issued on June 20th, 2013.
We contacted [redacted] on June 20th, 2013 to inform her that the reimbursement of her treatment was being completed this day and confirmed that this should conclude her claim.  At this time, there was no mention of any issues with her general damages check that was issued in May. 
We received a call from [redacted] on January 30th, 2014 and reached her on January 31st, 2014.  At this time, [redacted] requested information as to why [redacted]’s bond policy premium increased as she pays the premium for his bond.  My associate in turn reiterated that we found [redacted] to be 50% liable for the accident and due to payments being made and his portion of liability most likely caused the increase.  She further stated that she never received the checks that we promised her we would pay for injury claim.  At this time, we confirmed that we sent the payments to [redacted]’s address [redacted] instead of her address [redacted] 
My associate then recalled copies of the cashed checks to verify who signed them.  These checks are attached my response.  After review, the signatures appear to match [redacted].  We contacted her back later that day and discussed this with her as well as sent a copy of the checks to her.  I then received a call from [redacted] regarding the same issue on February 6th, 2014 and informed her that the signatures appear to match the signature on the release that she signed and sent back to us on May 29th, 2013.  She inidicated that she did remember signing the release that was sent to [redacted]’s address in error.  At that time, I informed her that if someone cashed her checks fraudulently, she should contact [redacted] to address this issue.  I provided her the customer service phone number for her to address her concerns with the bank.
At this time, it is my understanding that [redacted] would need to address any further check issues with the bank as we kept our commitment to pay for her economic and non-economic losses as a result of this accident and provided her copies of all cashed and signed checks.  If you have any further questions or concerns, please do not hesitate to contact me directly as I am more than happy to address any further concerns you may have.  Thank you for allowing me to respond to [redacted] concerns as well.
Sincerely,[redacted]###-###-####

[redacted]...

[redacted]
This letter is in response to the complaint filed with your agency by [redacted] regarding her homeowner insurance policy with Nationwide Insurance.
[redacted] was contacted by our agent on November 27, 2013, to review the auto insurance policy she had in force with our company. As part of this review our agent offered to provide a quote for homeowners insurance. [redacted] agreed, stating she was not pleased with her current provider.
A homeowners insurance rate was provided and [redacted] agreed to bind coverage on November 27, 2013. [redacted] informed our agent that her mortgage company pays her insurance in escrow and asked how this would be switched over. Our agent advised [redacted] that we would contact her bank and let them know she had switched her coverage and send them a bill for our policy. Our agent obtained the mortgage company’s information from [redacted].
A bill for the full term premium of $853.60 was sent to [redacted] in [redacted] on December 4, 2013. This was the only notification sent to the mortgage company to inform of the new policy purchased by [redacted]. When we did not receive a payment, a cancellation notice was issued on January 3, 2014, with an effective date of January 16, 2014.
[redacted] was contacted by one of our agents on January 22, 2014, to discuss the cancellation of the homeowners policy. It was determined that the mortgage company would not be making a payment to us, as they were not advised of the change in insurance by [redacted]. Our agent informed [redacted] that a payment of $117.20 would be needed from her in order to reissue her policy with a lapse in coverage. [redacted] submitted a payment of $117.20 on January 23, 2014.
On January 27, 2014, it was determined this payment was insufficient to reissue coverage. The member was advised an additional payment of $73.08 would be needed to activate the policy. We sincerely regret that our agent failed to advise [redacted] of the correct amount needed to reissue her policy initially and will ensure the appropriate feedback is provided.
The policy remains cancelled as no additional payment has been received. [redacted] contacted us on February 1, 2014 and verified that the policy was cancelled. She requested her auto policy with us also be cancelled at that time.
[redacted] was provided property coverage from November 27, 2013, through the cancellation date of January 16, 2014. The payment made January 23, 2014 in the amount of $117.20 is for the coverage provided during that time period.
If [redacted] maintained her previous insurance policy with no lapse in coverage, we can flat cancel this policy and refund the payment of $117.20. If the prior policy was cancelled after November 27, 2013, we may be able to adjust the cancellation effective date of our policy accordingly and offer a partial refund.
[redacted] should contact our customer service department at ###-###-#### to request any adjustment to the policy cancellation date. If no changes are needed to the cancellation date, no refund will be made available.
If we may offer any further assistance in this matter, please contact our customer advocacy coordinator, Janice Kleinhans, toll-free at ###-###-####, ext. ####, direct at ###-###-####, or by email at [redacted]
Sincerely,
[redacted]
Customer Resolution & Response Team Nationwide Insurance Company
[redacted]

[redacted]
 
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[redacted]
 
                                        ...⇄ [redacted]  [redacted]                                                                                                                                                                               
Dear [redacted]
This correspondence is with regard to a complaint received in our office on January 31, 2014.  The complaint was filed by our policyholder, [redacted] regarding the above claim. 
The above claim was reported on January 7, 2014 for damage due to condensation and mold. Claims Associate [redacted] contacted [redacted] on January 7, 2014 and an inspection was set for January 8, 2014. 
[redacted] inspected and investigated the claim on January 8.  At this time [redacted] learned that there was no loss or event that occurred, but it appeared that due to conditions present in the home combined with the cold weather, mold was growing in the home.  It is also noted that the policyholder has a third level in the home that is used for storage but does not have heat ducts running to this level of the home.    [redacted] contacted [redacted]l to conduct a cause/analysis for the mold growth.  AQS performed their inspection on January 8, 2014.
Conclusions of the [redacted] are as follows: 
Fungal growth was identified on window and exterior wall surfaces on the upper level.  Fungal growth appears to be the result of condensation due to a combination of elevated indoor humidity levels, cold air temperatures due to lack of conditioned air and cold exterior wall/window surfaces.
Moisture damage and fungal growth on the west wall of the master bedroom closet appears to have been the result of elevated indoor humidity levels and a lack of air circulation within the closet allowing for the exterior wall surface to reach dew point and for condensation to occur. 
Based on our investigation and the concluding opinions of [redacted] AMCO Insurance, A Nationwide Company, has denied coverage for the claim presented by [redacted].  [redacted] is insured under policy form HO-3 (####.   The policy also has a Fungi/Bacteria Endorsement, Endorsement #### (####). 
Policy form HO-3 (#### does not provide coverage for mold.   Endorsement #### does provide mold coverage subject to a $10,000 limit, however the cause of the mold has to be a result of a direct physical loss covered under the HO-3. 
AMCO Insurance, a Nationwide Company, has denied coverage as a direct physical loss covered under the policy did not occur to trigger mold coverage.   The mold did not occur as a result of a loss, but rather due to conditions present in the home noted as a combination of elevated indoor humidity levels, lack of air circulation, lack of conditioned air in the home, and cold air temperatures.
A copy of our denial letter as well as the report completed by [redacted]l has been included with this correspondence.  
If you have further question regarding our coverage position, please contact us for further information. 
Respectfully,
[redacted]
[redacted]
AMCO Insurance, A Nationwide Company
###-###-####
[redacted]

I purchased comprehensive insurance from nationwide on my brand new RV on the recommendation of the dealer. All of my other insurance is with another carrier. I had heard nationwide's tag line that they are "on your side." That has not been my experience at all. My camper was involved in a minor accident requiring the replacement of a piece of sheet metal on the port side. I felt as if nationwide was my adversary rather than my ally. I was prepared to pay my $400 deductible, but nationwide chose to get into an argument with the shop who repairs campers all day everyday over the proper way to do the repairs. They also went out of their way to bad mouth the repair shop. Ultimately the shop reduced their estimate by approximately $1200, but nationwide was still unwilling to pay the full amount above the deductible. I was left holding the bag on an additional almost $400 of the repair cost, and the arguing back and forth kept my camper out of commission for almost 2 months. I would never recommend nationwide as an insurance carrier to even my worst enemy. I think they need to change their jingle because they were definitely not on my side.

Dear: Ms. [redacted]   "Thank you for the opportunity to respond to this complaint.   We received notice of a Medical Payments claim by Ms. [redacted] on September 9, 2016. After a review of the claim, the Nationwide Claims Associate issued payment to Ms....

[redacted] on October 6, 2016 for the coverage limit of $2,000.00. On or about October 13, the Nationwide Claims Associate put a "stop payment" on the check based on a mistaken belief that there was an outstanding [redacted] lien against any Medical Payments coverage available to Ms. [redacted] for the loss. The Nationwide Claims Associate also contacted  Ms. [redacted] and asked if she had cashed the $2,000.00 check yet. Ms. [redacted] said she had not. The Nationwide Claims Associate was not aware, at that time, that Ms. [redacted] had actually cashed the check a few days prior. The "stop payment" of the $2,000.00 check caused Ms. [redacted]' account to be overdrawn.  Nationwide found out about the overdrawn account on Oct 17, 2016. Thereafter, Nationwide Claims Manager Bill P[redacted] reviewed the file and determined that there was no outstanding [redacted] lien on the Medical Payments coverage available to Ms. [redacted] for the loss. Based on this determination,  Nationwide tried to deposit the $2000 payment directly into Ms. [redacted]' account on October 17, 2016, but Ms. [redacted] instead requested that Nationwide overnight a check to her. Nationwide overnighted a $2,000.00 check to Ms. [redacted] on October 18, 2016.  The check was delivered to Ms [redacted] at approximately 11:30 am on October 19, 2016. Ms. [redacted] claims to have incurred a $75.00 overdraft charge. Nationwide is willing to reimburse Ms. [redacted] the $75.00 charge upon proof of loss being submitted by Ms. [redacted]. Nationwide has requested the proof of loss on October 18th , 20th and 27th. As of the writing of this letter Nationwide has not received any proof that this $75.00 charge exsists. Nationwide maintains the position that it will be happy to reimburse Ms. [redacted] once she submits proof of the $75.00 loss. If you require further assistance, please contact our Customer Relations Coordinator,  Yvette S[redacted] , at ###-###-#### or by email at [redacted]   Sincerely,  William J P[redacted]
 [redacted]

[redacted]
 
 
[redacted]
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[redacted]...

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[redacted]                             [redacted]
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[redacted]                                    [redacted]
[redacted]     [redacted]
Dear [redacted]:
This letter is in response to [redacted]’s inquiry dated February 26, 2014, regarding her homeowner policy deductible increase, premium increase, and the denial of her February 13, 2014, homeowner policy claim.
The increase in her homeowner policy deductible to $2,500 was related to policy claim frequency, loss amounts and as a condition to avoid policy cancellation.  State of [redacted] statutes indicate that property insurance policies can be cancelled if there are three or more claims within a 36 month period and at least one of these claims is non weather related (i.e. theft, water, liability, all other physical damage, etc.).  Initially this policy was set to cancel February 18, 2010, due to claim frequency and loss amounts that included at least one non weather related claim (9/18/2009 Vandalism, 4/10/2009 Hail, 5/21/2008 Hail, 5/11/2008 Theft).  However, a company business decision was made to retain [redacted]’s policy due to her long term customer status, good pay history and the client’s agreement to increase the deductible to $2,500.  Policy notes indicate the client agreed to the deductible increase to retain her homeowner policy.  This deductible change was not arbitrary as [redacted] indicated in her complaint.  Increasing a policy deductible is a common industry practice when a client’s claim frequency and loss amounts exceed insurability guidelines if the policy is not being cancelled.  Of note, since 2010 [redacted]’s claims frequency has continued with an 8/5/13 Moisture/Water claim and a 2/13/14 Wind claim.  Therefore, additional claims can once again qualify [redacted]’s policy for cancellation.  Any premium increase [redacted]’s policy experienced has been related to industry standard claim surcharges and/or company rate increases that were filed legally and approved by the state of Georgia Insurance Commission.
Regarding the denial of [redacted]’s February 13, 2014 claim, claims management reviewed the claim information and discussed the loss details with the adjuster assigned to the claim.  The home was damaged by falling limbs from a pine tree.  One 2" limb punctured the shingles and decking on the rear roof slope.  During the inspection the adjuster also noted one of the corner posts of a rear yard chain link fence had also been dislodged most likely from the falling debris.  The repair of these damages was calculated in the damage estimate for roofing and chain link fence repairs.  While the adjuster was on site the policy holder noted that she stored bicycles under and on top of the rear deck, and indicated that the bicycles and deck were damaged as well by the falling limbs.  During the inspection the adjuster was unable to find any signs of impact damage to the deck from any falling objects.  The deck was noted as being in a state of deterioration but the only visible issues were from lack of maintenance.  The bicycles and elliptical that were located in the back yard by a rear storage house (not on the deck) did not show any signs of impact damage but did show signs of wear and tear from being stored outside in the elements.  As the adjuster noted to [redacted] it appeared the equipment had been stored in the yard for some time as evident by the accumulation of debris, dirt and falling materials around the items.  In the written complaint our policy holder felt the adjuster was making accusations that she was trying to commit insurance fraud.  The adjuster was not stating the insured was committing fraud, but rather that during his inspection it was apparent that the items had not been moved from the current location by the storage shed in quite some time along with the fact that there was no visible damage to the equipment from falling objects.  The total estimate for repairs to the roof damage was $876.25 and an additional $713.59 for the fence damage.  This damage estimate included overhead and profit and did not exceed the $2,500 deductible.  Therefore, any claim payment was denied.
It is the intention of this correspondence that [redacted]’s complaint is fully addressed.  If there are any further questions, please feel free to contact [redacted], [redacted] at ###-###-####.
Sincerely,
[redacted]
[redacted]
[redacted]
[redacted]
Cell:  ###-###-####
Fax:  ###-###-####
[redacted]

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] 
Thank you for bringing this matter to our...

attention. I have reviewed this matter and enclosed is my
response.
I truly regret the service that was provided to [redacted] was not up to our standards. I agree that we did
not process his claim as quickly as we should have. The matter was not sent to our Subrogation Unit in a
timely manner to secure the deductible refund and to secure our refund. It was not our intention to
withhold [redacted]'s deductible because he switched carriers.
To help expedite this matter I have processed [redacted]'s deductible refund. I have attached a copy of
our check transmittal form to provide the check number and the processing. This should conclude this
matter.
If you have any additional questions please let me know
Sincerely,
[redacted]
[redacted]
[redacted]

Thank you for contacting Nationwide concerning Ms. [redacted]’s auto policy coverage and recent claim. Sarah S[redacted] from our Agency Support Unit has investigated the loss and has advised Ms. [redacted] of her findings. Notes on the policy, placed there by the agent on December 14, 2015, state...

that she wanted to remove comprehensive and collision from the vehicle on that date , and that she would contact the company at her renewal on January 16, 2016 if she wanted to add the coverage back. A declarations page was also sent to Ms. [redacted] on December 16, 2015 to confirm her coverage selection. Unfortunately there is no documentation indicating that she made the request to place that coverage back on the Nissan prior to the loss on January 16, 2016. As such, all of our documentation indicates that the coverage was removed per her request, and not in error. As there is no error at this time, we are not able to recommend that the coverage be placed on the 2007 Nissan for the underlying loss. On behalf of Nationwide, I apologize if the service she received didn't meet her expectations and for any inconvenience it may have caused.

I received an email from Nationwide on April 21, 2015 at 4:25 pm stating that in order to maintain my coverage they needed me to advise if [redacted] & [redacted] were members of my house hold.
I called the same day and I spoke to a male, do not remember his name but he told me to email back stating if they do not live there, I did as asked.(I have the email in response where they have 'noted' my reply.)
The last week of April or the first week of May I received a letter in the mail stating that my insurance would be canceled on May 12 if I did not send proof of their current address'.
I faxed over a copy of an envelope for both of them with their names and addresses.
I have the fax confirmation!
I then called in and talked to another male, I think his name was [redacted] but I cannot be positive. I asked if my paper had been received and if there was anything further they would need from me, he said no that it was in my file and taken care of.
They received the information they needed and my policy would be unaffected.
Well, I got online to look over my statements today and my policy has been canceled.
I was NOT notified of this.
I called and spoke with [redacted] today and she told me they received what they needed.
(they received this on MAY 4!!! 8 days before my cancellation)
SO WHY HAS IT BEEN CANCELED?
And why was I not notified, I have a daughter and a job.
I cannot afford to loose my license ESPECIALLY at the expense of someone else.
I am beyond livid. I am disgusted with how disorganized this company is and the lack of communication is unprofessional.
I will never, ever recommend them to anyone. This is ridiculous.
Also, if I had lost my license.
We would be solving this in front of a judge.

[redacted]
[redacted]    
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[redacted]     [redacted]
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[redacted]
[redacted]   [redacted]
[redacted]     [redacted]
Dear [redacted] 
This letter is in response to the case filed by [redacted]. I tried to call [redacted] today, January 24, 2014 at 3PM, but she was not available. 
The policy balance as of August 27, 2013, equaled $308.53. Nationwide Insurance sent a payment notification for $102.84 to be drafted on September 19, 2013 (see attached). On August 28, 2013, [redacted] suspended the automatic Electronic Funds Transfer (EFT) online. She then changed the payment method from EFT to direct billed. 
On August 28, 2013, [redacted] made changes through the online account to the coverage on the Auto policy that decreased premium by $11.80. 
[redacted] sent an email to Nationwide on September 20, 2013, requesting to cancel her policy (see attached). Our procedure is to forward the email to the agent of record. A customer may cancel the policy orally, or by written notice to us of date of cancellation desired. Please refer to page G2 of the policy jacket sent to [redacted] at the time of inception (see attached). There are no calls documented for [redacted], or the agent. 
 
On September 25, 2013, Nationwide sent a Notice of Cancellation for $108.91 due by October 6, 2013 (see attached). This amount included a $10.00 late fee. Since we did not receive a payment, the policy cancelled effective October 7, 2013 for non-payment. The amount of $184.00 in unearned premium was credited to the billing account leaving a balance due of $122.73. Nationwide sent a collection letter for $122.73 due by October 30, 2013 (see attached).  The amount of $122.73 is a valid amount due to Nationwide. 
We do not have a signed and dated cancellation form on file, and we do not have other proof of insurance on file for [redacted]. We can send a cancellation form via email to [redacted] that she can electronically sign for the date of September 20, 2013, since that is the date that we received her email. [redacted] may call or email me, and I will provide the instructions to complete the form. Once the form is returned, we will make the adjustment. My contact information is listed below.
The remaining balance may be reduced or eliminated if other insurance was obtained prior to September 20, 2014. If so, please send us a copy of the new policy declaration page, which contains the name of the insuring company, policy number, vehicles insured, and the effective date of coverage. The information may be faxed to ###-###-####, Attn: [redacted]. 
We apologize that [redacted] did not receive the level of service that she was expecting from Nationwide Insurance. We appreciate the opportunity to resolve this matter.
Sincerely,
[redacted]
[redacted] 
Nationwide Insurance Companies
###-###-#### Ext. #####
[redacted]

...

                                                                 
[redacted]
 [redacted] 
[redacted] 
This letter is in response to a complaint filed on 5/27/2014 by [redacted] regarding a vehicle accident that occurred on 5/24/2014 in [redacted]. 
As of this morning, [redacted] (Nationwide Associate) reached out to [redacted] to discuss the claim status. [redacted] was undecided as to where the vehicle would be repaired.  His main concern is the difference in aftermarket versus OEM parts. He had several estimates completed and OEM part prices were different between the shops. [redacted] understood that he does not carry an OEM endorsement on his policy. He spoke with policy services yesterday to add coverage, but chose not to at this point due to the cost. The issue has somewhat been resolved at this point – we are awaiting [redacted] to make a decision where to repair the vehicle so we can set up a rental. I provided [redacted] my contact information and he will call when he makes a decision. 
Below is a breakdown of events: 
5/24/2014 Date of loss – claim reported at 10pm. [redacted] was set up for a drive-in appointment at [redacted] for 5/27/2014. 
[redacted] (Nationwide representative) spoke with [redacted] on 5/25 to discuss facts of loss and discuss coverage. 
The estimate was completed on 5/27/2014 at 9am and uploaded to Nationwide on 5/28/2014. 
[redacted] contacted Nationwide on 5/27/14 and spoke with several associates regarding rental and then requested that the check be issued to him. [redacted] wanted to bring vehicle in for repair on 5/27/2014 and get into a rental. We had not received a copy of the estimate as of yet and the claim had not been paid. The associate suggested that [redacted] wait until he receives a settlement check so he is able to pay his shop of choice. [redacted] also contacted Nationwide to obtain a rental, but was advised that the rental was for when the vehicle was getting repaired as his vehicle was still drivable. 
The claim was transferred to claim adjuster [redacted] who reviewed the estimate with [redacted] and discussed a two-party check as [redacted] is still making payments on the vehicle. [redacted] requested the check be issued to both him and his lien holder. 
[redacted] contacted [redacted] again on 5/29/14 to discuss OEM part usage. [redacted] was informed that he does not carry this endorsement on his policy and [redacted] contacted Policy Services so they could discuss adding the endorsement for future claims. 
At this point, issue is resolved and awaiting decision from [redacted] for repair facility. 
Thank you, [redacted]
Nationwide Mutual Fire Insurance Company
###-###-####
[redacted]

I have reviewed the inquiry received from [redacted] regarding his auto policy insured with Nationwide Agribusiness Insurance Company. He inquired about the cancellation of this policy and subsequent refund.
Both [redacted] and [redacted] are named insureds under this policy...

providing coverage for the following vehicles: 2001 Honda, 2004 Honda, 2012 Volkswagon, and 2002 Cadillac. On November 3, 2015 [redacted] contacted the Company Service Center to remove [redacted] from the policy due to divorce. The service representative advised [redacted] that because [redacted] was also a named insured on the policy, we would need either proof of her other coverage or a request signed by her to remove her or her vehicles from the policy. On November 6, 2015, [redacted] requested the 2012 Volkswagon and the 2002 Cadillac be removed from the policy effective November 3, 2015 as he obtained other coverage on those vehicles. The deletion of those vehicles was processed as requested and a return premium of $260.61 was applied to the policy. Coverage was still being provided for the 2001 and 2004 Hondas on the policy. We subsequently received a signed cancellation request for the remaining vehicles on the policy, and it was processed effective November 3, 2015. A notice advising of the cancellation of the policy per the insured’s request was sent to the address showing on the policy: [redacted]We reached out to the [redacted]’s local agent, [redacted], who had been working with [redacted] on the auto and home policies. According to the agency, [redacted] became unreasonable to the agency staff when they were not able to remove [redacted] or her vehicles from the policy.
The cancellation of the policy effective November 3, 2015 resulted in a premium refund of $44.01 based on the vehicles listed on the policy at the time of the cancellation. Per [redacted]’s request, the 2012 Volkswagon and 2002 Cadillac had already been removed from the policy which resulted in return premium of $261.60 applied to the policy. The policy cancellation was processed on November 16, 2015 to be effective November 3, 2015. The only vehicles listed on the policy at the time the cancellation was processed were the 2001 and 2004 Honda’s.
The homeowner policy with our company is providing dwelling, personal property, personal liability, and premises liability for both [redacted] and [redacted] as they are both named insured’s on the policy. In order to protect the rights and coverage for both parties, a signed cancellation request or proof of other coverage from each party is needed to cancel the policy. Any issues, payment, or refund descrepanices involving their policies and arising out of the [redacted]’s divorce situation are a personal legal matter that should be handled between [redacted] and [redacted] and their legal representatives.
If further assistance is needed in this matter, please contact me directly at ###-###-####.
Sincerely,Gale G[redacted]

[redacted]
 
 
[redacted]
[redacted]  [redacted]
[redacted]          
[redacted]
 
[redacted]...

[redacted]               [redacted]
[redacted]            [redacted]
[redacted]           [redacted]
[redacted] 
This letter is in response to the dispute we received from the State of Ohio RevDex.com.
Below is a time line of the claim:
1)    The claim was called in on 05/07/2013
2)    Initial contact from our associate to [redacted] was on 05/07/2013
3)    The Claims Associate inspects the claim on 05/12/2013, the same day an estimate is written for $3,550.09, which is less than the  $5,000 deductible.
4)    A second inspection completed with the [redacted]’s contractor on 05/14/2013
5)    An agreement was not reached with the contractor on repair of the home. Engineer firm KPE was hired on 05/16/2014
6)    The Associate receives the   Engineer report on 06/22/2013
7)    The Associate calls the [redacted]’s to review the Engineer report on 06/25/2013
8)    The Estimate is updated per the Engineer report and payment of $796.00 is issued.
9)    An Appraisal demand is received on 10/22/2013 from [redacted]
10) Nationwide hires NHI General Adjusters for our Appraiser
11) A letter is mailed to the [redacted]’s asking for their appraiser information on 11/04/2013
12) [redacted] has been hired by the insured as their appraiser. A letter is mailed to him on 12/06/2013 asking for him to look at candidates for the umpire.
13) A second letter is mailed to [redacted] asking for his review of umpires on 02/17/2014
14) A reinspection of the property by both appraisers occurs on 03/26/2014, and no agreement is reached.
15) On May 7th a fifth letter is mailed asking for your appraiser to look at the umpire list.
16) June 3rd a sixth letter is mailed from the Nationwide appraiser to [redacted] with no response.
Our file shows that Nationwide has responded to the request for the appraisal, and are waiting on the appraiser chosen by the insureds to sign the documentation sent by NHI on June 3rd, 2014.   As soon as we receive that information, we will proceed accordingly with the claim and the appraisal.  
I trust the above information answers your concerns regarding your inquiry.
If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] at ###-###-####, or [redacted]
Sincerely,
[redacted]
[redacted]
National Catastrophe Team
Nationwide Mutual Fire Insurance Company #####
Phone: (###-###-####)
Email Address: [redacted]

[redacted]
[redacted]
[redacted]
[redacted]
                                    [redacted]      [redacted]   [redacted]
                                                [redacted]  [redacted]      
                                        ...⇄ [redacted]       Please accept this letter in response to [redacted]’s correspondence dated August 20, 2014 regarding the above cited claim.  If I understand [redacted]’s request clearly, she has requested a copy of the independent adjustor’s report.  The independent adjustor’s report is considered our work product and therefore is not something that we release.  At this time we are waiting on an itemized estimate from [redacted]’s contractor to resolve any discrepancies there may be in the damages.  
Sincerely, 
[redacted] AMCO Insurance CompanyPhone: ###-###-####[redacted]

[redacted]
 
[redacted]
[redacted]
[redacted]
 
                                    [redacted]       [redacted]   [redacted]
                                                [redacted]   [redacted]                                                                                                                                 
 I am again rejecting [redacted] responses based on
the fact that Nationwide called in an engineer to come out to my home to  re-do an inspection due to [redacted] not
coming to inspect what MY CLAIM was about.
 [redacted] was untruthful on his report, his claim was
that his finding where no damages and that the result of the storages was due
to poor maintains. Try to lay blame on me the home owner and denied my
claim.  See letter
 They sent [redacted] out to inspect the inside of my home
and again he falsified the information in his report, down grading the cost
$200.00 dollars.
However when it comes to a contractor who is going to be
doing the work they look over what they need to do in order to fix the problem,
there man power , and all materials needed to do the job. All contractors are
Revdex.com accredited.
[redacted] still avoids answering the question on how did
she come up with the weight of my storage building roofs and can she provided
me her brake down on how she came up with the $8000 dollar total for their
salvage cost?
[redacted] tends to address claim 2 estimates
which I have already informed her that I would be contacting the contractor for
information. I gave the statement that contractor stated to me over the phone.
However to address her concerns on this he has been notified and will be
updating his bid. As I said these are all accredited contractors from the Revdex.com
web site.
Concerning claim 1 it took [redacted] several
weeks to acknowledge that she had received claim 1 estimate after I went back
through the messages and pulled it out of the attachments that where sent to
Nationwide through and by Revdex.com handling this complaint. 
Regards,
[redacted]

[redacted]
[redacted]
[redacted]
[redacted]
 
[redacted]
[redacted]
[redacted]
[redacted] [redacted] 
This letter is in response to your inquiry received on June 27, 2014.  After review of the additional information [redacted] has provided, our position and response remain the same, and [redacted]’ email confirmed the request cancellation referenced in the response.
The above referenced policy was written effective November 7, 2013 and a premium of $526.20.      
                     
During our discovery period, which is defined as 60 days from the inception date of the policy, there was a claim, and an investigation completed by our Special Investigations Unit. The investigation revealed that the policyholder did not live at the policy address. This constitutes material misrepresentation by policyholder at the time of application.
The policy rate was then corrected to the appropriate address and rate based on the findings of the investigation. This change was completed during our discovery period, previously defined as 60 days from the inception date of the policy, and resulted in an increase in premium of $631.10. Please refer to the attached bill and Policy Declarations prepared and mailed on February 6, 2014 that states the reason and the amount for the increase in premium.
The new policy premium was $1157.30. The policyholder sent in a request to cancel the policy effective February 12, 2014.
Premium for the time the policy was in force (November 7, 2013 to February 12, 2014) is $622.50.
Payment received to date from [redacted] is $526.20 with an additional balance due to Nationwide of $96.30.
If you require further assistance, please contact our Customer Relations Coordinator, [redacted] at ###-###-#### or by email at [redacted]
Sincerely,
[redacted]
[redacted]
###-###-####

I have had several instances of issues and poor customer service with this company, bad/off the wall qutoes for insurance, cancellation of insurance by the company when adding a vehicle, horrible customer service resulting in customers having to pay for cancellation of overall polices. cancellation of policies based on were the vehicle is registered vice where they are owned and operated. differences of opinions through different customer service representatives, you get told one thing by one agent and then you get told something by someone totally different.