Nationwide

[redacted]
 
[redacted]
 
 
[redacted]                   [redacted]   
I am writing in regards to your latest request for assistance regarding [redacted].
As I stated in our last letter dated 5/23/2014, we have forwarded the claim to our litigation department to work on collecting the amount we paid for our insured’s car repairs. We will await the results of possible litigation against [redacted]’s insurance company, [redacted].
When we investigated liability, both [redacted], and the driver of our vehicle, [redacted], stated they were driving on [redacted]. in [redacted] at the time of the loss. Our driver states [redacted] made a right turn from [redacted] onto [redacted], entered her lane and struck her vehicle. [redacted] stated both vehicles were driving side-by-side and that our driver made an unsafe lane change into the side of his vehicle. There were no witnesses and a police report was not made. Determining who actually changed lanes was not possible as a result and we sided with our insured, finding [redacted] at-fault for making an unsafe lane change. We do acknowledge that [redacted] does have damage on both sides of his vehicle, however, that does not prove it was our driver was the one who changed lanes.
Should you wish to speak to me regarding this claim, please contact me at ###-###-####.
Sincerely,
[redacted]
Victoria Fire & Casualty DBA Titan

[redacted] 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] 
The estimate you submitted is the Nationwide estimate.  We are aware of this estimate as it is our estimate.  What are your concerns or questions regarding this estimate? 
Thank you! 
[redacted]
[redacted]

As it shows in the attachement proof... I was living at my apartment where the theft occurred in July. THats a copy of my apartment paid lease until August which was when I moved to the [redacted] residence.

This is the reply to the below message from Titan Insurance.
I sent a faxed letter stating that the reason my policy needed to be canceled was because I no longer had an automobile. I will find the faxed letter to show that. Another automobile was given to me a few days latter and I decided to switch companies. There was nothing owed to Titan - I don't care how [redacted]  choses to say it.  I will provide the letter of cancelation and explanation. Titan is a rotten company. I am not happy with [redacted]'s solution to the issue. 
Respectfully,
[redacted]

Thank you for the opportunity to respond to the Revdex.com regarding policy number7312049 for Ms. [redacted] and to address her concerns about the policy.
On 07/12/2012, Ms. [redacted] purchased a six month insurance policy from [redacted]...

with a bill plan of 16.7% down and 5 installments with an ElectronicFunds Transfer (EFT) auto withdrawal. Ms. [redacted]’s policy last renewed into the term beginning07/12/2015 when the renewal offer was accepted with the renewal down payment in the amountof $113.56 paid on 07/08/2015.
On 07/06/2015, Ms. [redacted]’s agent contacted our service center and requested that the policy becancelled effective 07/08/2015. The service center associate advised the agent that the EFTpayment was already submitted to the financial institution and that it was unable to be stopped.The service center submitted for the policy to be cancelled.
On 07/20/2015, Ms. [redacted] contacted the service center to inquire the status of her policy. Theservice center associate advised Ms. [redacted] that we received a request to cancel her policyeffective 07/08/2015 and that there is a standard 10 day bank day hold on the request to ensurethat the recent payment clears. The service center associate advised that the policy would bebackdated and cancelled effective 07/08/2015.
On 07/27/2015, Ms. [redacted]’s cancellation request was processed and a return of premium in theamount of $113.56 was mailed to the address stated on Ms. [redacted]’s cancellation request – [redacted] The refund of $113.56 was for the renewal payment that draftedfrom Ms. [redacted]’s account on 07/08/2015. A separate return of premium in the amount of $12.53was issued for the coverage from 07/08/2015 to 07/12/2015.
On 08/19/2015, Ms. [redacted] contacted the service center and requested the return of premiumcheck be mailed to [redacted]. A stop pay was placed on the initialrefund check and a request was submitted to have a new refund check mailed to the addressrequested.
On 09/01/2015, a new return of premium check was mailed to the address requested by Ms.[redacted]. If the refund has not been received, please let us know as soon as possible.I trust that I have addressed the issues within Ms. [redacted]’s complaint. If I can be of furtherassistance, please contact me at ###-###-####.
Sincerely,
Alexandria C[redacted]

[redacted]
 
 
[redacted]
[redacted]
[redacted]
[redacted]
 
[redacted]           [redacted]
[redacted]                [redacted]
[redacted]       [redacted] 
 
This letter is in response to the concerns filed by [redacted] regarding the balance due on the cancelled policy.
Attached is a breakdown that explains the reason for the $33.00 currently due on the cancelled policy.  [redacted] had paid $413.54 on September 30, 2013 which was applied to his prior policy.  When the prior policy cancelled to be rewritten to the ######### policy, $304.61 of that payment was transferred to ###### to pay down the policy balance on the ######## account.  The removal and addition of the discounts which caused fluctuation in the premium are explained on the breakdown.  The premium due on the 6132D 272579 policy is as follows:
$347.50 six month premium
+ $64.00 removal of Homeowner discount effective November 15th
- $31.00 addition of correct Non-Nationwide Homeowner discount effective November 15th
Equals $380.50 due for six months of coverage on this policy
Two payments applied to this policy, $304.61 which was the transferred credit from the prior policy, and $75.89 on March 21, 2014.  On May 7, 2014 Nationwide received a payment dispute from [redacted]’s bank indicating that $33.00 was not authorized (see attached proof).  We refunded $33.00 back to his bank account.  This meant that only $42.89 applied to the policy from the March 21, 2014 payment.  Total payments that applied to this policy were $304.61 + $42.89 = $347.50.  Therefore, $380.50 due for coverage - $347.50 paid on account = $33.00 still due for coverage provided.
If you should have any other requests or questions regarding this matter, please contact [redacted] at ###-###-####, Ext. ######.
  
Sincerely,
 
 
[redacted]
[redacted]
Nationwide Insurance Companies

[redacted] [redacted] [redacted]  
I am responding back to the response of another Nationwide Agent. [redacted] was sent out the estimate which continues to be over looked. Even when she stated that as soon as they receive and estimate that she would provide another adjuster. I yet to hear back concerning the estimate I sent in that [redacted] had no knowledge of that was sent out to [redacted].
During the time Mr. [redacted] started sending emails out this complaint had been filed and I was communicating with [redacted]’s manager [redacted]’s boss by why of the Revdex.com.  [redacted] and I were corresponding back and forth through the Revdex.com. I informed[redacted] to get with [redacted]. However the new adjuster has decided to take use back to June 16, 2014 and there has not been any information given if Nationwide was going to pay the cost for the estimate I turned in all but the $500.00 dollars deductible. If Nationwide is asking me to pay the $500.00 dollars deductible and the difference out of my pocket I do not have it that’s what my deductible is for.
As I stated this is just a stall tactic to not honor the total losses. However I wanted the Revdex.com to see how Nationwide claims department play games with the consumers. They tell you if you do this and that then they will do this. What it boils down to is that Nationwide does not honoring customers claims and take them through months and sometimes a year or so before a customer gets any resolution and by that time the problem is worse.
As I have stated I have a $1000 dollars to cover my deductible for both claims. Contractor wants to be paid upon completion of their work and do not want to spend months and months listening to someone saying why there not going to pay for the completed work.
The new adjuster has yet to state weather he is going to honor the estimate that was sent in or not.  The only thing he has done was copy an email sent from another agent for [redacted] which I had been in contact with [redacted]. I also informed [redacted] to get with his boss [redacted].
I have been awaiting a response from [redacted]’s last request which I submitted documents for.
No one wants to answer or discuss the estimate that [redacted] had no knowledge that an estimate had been sent out or she knew and did not want to acknowledge it.
 So once the contractors have gotten back with me concerning the estimates for the outer buildings and the material it appears that this is what I will be dealing with a no response in getting the balance or know what nationwide is going to pay for the loss other then what [redacted] sent out which was incorrect.
So I am rejecting the answer from agent for this reason.  ( See Ms. [redacted] July 2 response below.)
[redacted]
Ms. [redacted]’s response:
Please accept this letter in response to your correspondence dated July 1, 2014 regarding the above cited claim. I am the assigned manager over this claim and I appreciate the opportunity to provide additional facts and information regarding our claim service.
We have not received the estimates that [redacted] is referencing.  We would request these estimates be submitted to us for review. 
Please let me know if there is any further information we can provide to you to resolve this concern. 
Sincerely,
[redacted] [redacted]
P[redacted] AMCO Insurance Company
Phone: ###-###-####
[redacted]
 
Regards,
[redacted]

Please allow this letter to serve as our response to Ms. [redacted]’s inquiry. Her inquiry specifically addresses concerns regarding the handling and settlement of the Nationwide property...

claim for Harrine [redacted].
 
I contacted Ms [redacted] on January 29, 2015.  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 claim. Her 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 unit. I 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] 
[redacted]
[redacted]                                                        ...

  
We have reviewed the inquiry from [redacted] concerning her auto insurance policy that canceled for nonpayment of premium and money that is in collections for coverage that was provided by AMCO Insurance Company. 
Premium Changes
[redacted] questioned the history of her policy and its increases in premiums.  [redacted]’s independent insurance agent quoted her 6-month auto policy effective June 28, 2013 with a premium of $506.40.  The policy was issued with a Good Student Discount based upon responses to the auto insurance application.  To receive this discount, supporting documentation is required.  Based upon our consistently applied underwriting practices during the Underwriting Discovery Period, the company requested evidence of the grades, but this discount was removed, as the company did not receive the required supporting documentation to grant this discount.  The premium change for removing the Good Student Discount was $31.53 based upon the company’s filed and approved rating plan.   
Cancellation for Non-Payment of Premium:  
[redacted]’s policy was cancelled due to non-payment of premium.  It may help to see the history of the invoices, premium payments received, and the dates:                   
Date of Invoice     Amount Requested Due Date                 Date received                                    Amount received
July 15, 2013         $106.28                   July 28, 2013            July 16, 2013            $106.28
July 29, 2013         $81.02                     August 13, 2013        August 12, 2013            $81.02
August 23, 2013     $88.85                    September 12, 2013   not received         $0 
On September 30, 2013, [redacted]’s policy canceled for nonpayment of premium.  On September 3, 2013, her independent insurance agent requested the company to withdraw the premium payment funds from [redacted]’s financial institution via Electronic Funds Transfer (EFT).  Her agent received an automated message that EFT would not withdraw the payment that was due on September 12, 2013.  The open invoice that was generated on August 23, 2013 needed to be paid before EFT could be applied for the future payment that would be due in October.  Because of this confusion, her independent insurance agent submitted a new auto policy, and our company rewrote her auto policy without a lapse in coverage.    
The new auto policy was written under policy number: ########, effective September 28, 2013 and the premium was $510.24.  The new auto policy had new rates based upon the company’s filed and approved rating plan.  
The company invoiced the following payment on the following date: 
Date of Invoice     Amount Requested Due Date                 Date received                                    Amount received
October 10, 2013   $107.04                   October 28, 2013       not received         $0 
The independent insurance agent generated a cancellation request effective November 5, 2013, per [redacted]’s request. 
Collections
Our company has sent the above earned premium amount of $107.04 to a collections agency, as auto insurance coverage was provided from September 28, 2013 to November 5, 2013.  If [redacted] can provide documentation that, she had auto insurance with another insurance carrier from September 28, 2013 to November 5, 2013, we would be happy to cancel her policy effective October 10, 2013, therefore eliminating the earned premium for coverage provided compliant with our filed rating plan. 
Thank you for allowing us the opportunity to address [redacted]’s questions regarding her auto policy.    If you need additional information or have additional questions regarding this inquiry, please feel free to contact me.  Thank you, 
 
[redacted]
[redacted]

I am in receipt of your correspondence dated February 5, 2015, addressed to the Office of Customer Advocacy, regarding [redacted]. In her statement of the problem, [redacted] would like a detailed explanation on the premium changes during the policy term and the billing amounts. I will be...

happy to respond to the concerns of our member.On September 9, 2014, [redacted] contacted Nationwide Sales via telephone for an automobile quote. A multi-policy discount was added to the policy, because the member agreed to obtain both an automobile and property policy on that date. The amount of the multi-policy discount varies based on the type of property product obtained. The discount was input as though the member owned her home, instead of as a tenant (renter’s) policy. The discount was correctly adjusted after policy inception, during the Underwriting discovery period, which resulted in an increased premium on the automobile policy of $180.56. Feedback has been provided to the leadership of the sales agent involved for adding the discount incorrectly at policy inception.
The auto policy was started effective September 12, 2014. The six month premium was $1,029.56, ending on March 12, 2015. The monthly payment was $171.59. On October 15, 2014, the multi-policy discount was corrected effective September 12, 2014, to reflect renting rather than owning a home. This change increased the full term premium to $1,210.12 with six month payments of $201.68. This change created a premium not billed for September 12, 2014 through November 12, 2014 in the amount of $60.19 that would be divided over the remaining four months. This made the new billing amount $216.73 or $201.68 plus $15.04, one fourth of the $60.18.
On December 22, 2014, [redacted] replaced a vehicle on the policy effective December 21, 2014. This change created a prorated increase on the policy of $226.65 from December 21, 2014, to March 12, 2015.
On January 20, 2015, [redacted] requested to cancel the policy effective the same day. The cancellation process was completed the same day the warning notice was mailed. The notice mailed was a reminder that the January 22, 2015 payment for $340.93 had not been received. This billing statement was closed once the cancellation was completed.
On Janruary 22, 2015, [redacted] was connected with our escalation team and was quoted a prorated balance owed for the policy at $176.58. This balance included the prorated premium owed from inception to cancellation. When the December payment was received it was a prorated payment from December 12, 2014, to January 12, 2015, and the policy was cancelled on January 20, 2015.
The premium due after the cancellation can be broken down into three portions to make it clearer. The first portion of $30.10 was the remaining premium owed for September and October of the original $60.19 uncollected premium due. The second portion comes from the vehicle and coverage change on December 21, 2014. This increased premium was from December 21, 2014, to January 12, 2015, at $61.56. The last portion of $85.60 is from the newly adjusted premium for both vehicles from January 12, 2015, to January 20, 2015. The original final bill included a late fee of $10.00 for a total amount owed of $187.26. We have removed a previously paid installment fee of $6.00 and the late fee of $10.00 making the remaining balance owed only $171.26.
We hope this explanation on why premium is still owed will help [redacted] understand the premium changes and the amount owed. We are including a billing breakdown on the account to provide a timeline of this information, along with additional documentation, to assist in understanding this transaction.
We apologize for any confusion that may have been caused. If we may offer any further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] direct at ###-###-#### or by email at [redacted]
Sincerely,
[redacted] [redacted] [redacted]Nationwide Insurance Company of America###-###-####[redacted]

Nationwide insurance has a client who rear-ended our car. They informed us that the parts to fix it are more expensive than the value of the car. We have been making extra payments on the car to try to pay it off earlier. The amount the say they are giving us does not even pay the car off. We are stuck owing money for the car we no longer have plus everything we have put into the car since we bought it. Nationwide has commercials on constantly talking about how they don't leave you with part of a car. They left us that way and I'm told I do not have any recourse. How can they have no one to answer to? We are forced to pay for insurance to own a car but the insurance companies make all the rules?

Very negative experience I will bite my tongue, but needless to say they made me jump through rings of fire trying to get my auto title which was paid in full cash at a bank. To make a long story short I have wasted my gas and time and 5 hours on the phone with them in 3 days is a bit excessive... For me to get a snot nosed little brat claiming to be a corporate superviser "the highest up you can talk to on the phone" basically holding my car title hostage saying unless I verify my address by mail, and I will add I told her to send it to the current address on the account and she refused I also asked to pick up my title at the bank which it was paid in full at and she refused. Also they took my autopay out which was taken out 2 days after my cash payment was made and she wont send my check out either.... Im 28 yrs old I have many car loans left I will not do business with ever again. DONT DO BUSINESS WITH THEM YOU HAVE BEEN WARNED!!!

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] 
Thank you for the opportunity to respond to the...

Revdex.com regarding policy
number ###### for [redacted] and to address his concerns about the policy.
On [redacted]4, [redacted] purchased a six month insurance policy from the [redacted]
[redacted]
 with a bill plan of 16% down and 5 installments with an automatic draft. The
policy has canceled per [redacted]'s request effective 06/24/2014 per the short-rate
calculation agreed upon by [redacted] when the policy was purchased.
On 5/27/2014, when [redacted] initialed his application, he acknowledged that he would
provide proof of prior insurance of at least 6 months of continuous coverage with no lapse. The
proof of prior insurance was used in rating his policy at the original quoted amount. On
611 212014, when [redacted] failed to provide the proof of prior insurance, the discount was
removed and the policy premium increased accordingly. The current amount due of $403.57
reflects an amount of $224 -83 in extended coverage and a short rate cancellation calculation of
$1 81.74. The $403.57 remains due and wilt not be adjusted.
Please see the attached acknowledgement and application.
I trust that I have addressed the issues within [redacted]'s complaint. If I can be of further
assistance, please contact me at ###-###-####.
Sincerely,
[redacted]
[redacted]

[redacted]
 
[redacted]
                                        ...⇄ [redacted]         [redacted]       [redacted]
                                        ...⇄ [redacted]       [redacted]                                                             We are writing in response to your inquiry into [redacted]s claim.  The claims associate assigned to the claim, [redacted] spoke to [redacted] on October 7, 2014 regarding her estimate.  We have explained what is needed to resolve [redacted]’s claim. 
Thank you for providing us with the opportunity to review the claim. 
Sincerely,
 
[redacted], AMCO Insurance CompanyPhone: ###-###-####[redacted]

That is what I was told when I called about my damages. I was told by nationwide that no other claim needed to be open and that they would take care of it when the damages were fixed from the hit and run. I gave no authorization to open a new claim. I did not call the tow company. Nationwide did. this is a comp at nationwide used and trusted. I had no say on which company came to tow my car. 
Regards,
[redacted]

Thank you for the opportunity to respond to the Revdex.com regarding the complaint filed by [redacted]
It is our practice to obtain either proof of purchase and/or photos of car seats needing to be replaced, in order to ensure that we're correctly replacing with the...

same/similar model/trim. Confirming the seat manufacturer and model/trim is an important detail in ensuring that payment for replacement is correct and in line with current pricing on replacement seats.We requested photos of the seat in question from [redacted], but were informed that the customer had already disposed of the car seat. In an effort to ensure correct payment, we requested proof of payment/a receipt in order to verify trim and pricing. [redacted] advised us that they did not hold onto the receipt for the car seat and that it was not purchased with a bank account, which made it impossible to provide proof of purchase. In an effort to ensure customer satisfaction, we have made an exception and have approved payment for car seat replacement without the required photos and/or proof of payment. Payment in full for the car seat replacement requested by the customer has been approved and payment should be issued shortly.
I trust that I have addressed the issues within [redacted]’s complaint. If I can be of further assistance, please contact me at ###-###-####.
Sincerely,[redacted]Western Claims Titan Insurance

Kindly allow this letter to represent the [redacted] Insurance Company (“[redacted]”) response to a complaint dated August 26, 2015 on behalf of [redacted]. We understand you have identified that complaint as Complaint Number 10783102, as captioned above.
[redacted] wishes to first...

inform you that it has no knowledge of [redacted] or how precisely Ms. [redacted] may have interest in the loss notice that [redacted] received relative to the incident that took place on the insured premises on October 11, 2014.[redacted] had sold a general liability policy to [redacted] that was in force on October 11, 2014. The policy provides liability insurance coverage for accidents on and about the premises. Mr. [redacted] is in the residential property business doing business in the Eugene, Oregon, area, as “Synthesis”. While Mr. [redacted], as land owner, owes certain legal duties to tenants and their guests, the circumstances surrounding this incident, as explained below, do not suggest that Mr. [redacted] would have liability exposure to either his tenant, [redacted] II (“[redacted]”), or [redacted]’s guest, [redacted] (“[redacted]”). Without such liability, [redacted] would not owe moneys under its liability policy sold to Mr. [redacted] received a loss notice relative to the incident and its investigation revealed that [redacted], a tenant at the insured location for over two years, was hosting his girlfriend, [redacted], on the date of the incident. [redacted] and [redacted] had elected to step outside onto the porch having both consumed around 5 to 6 beers that were then chased by around 4 shots of cinnamon whiskey by the both of them, all prior to the incident.
During the [redacted] investigation, [redacted] informed the investigator that, while on the outdoor porch, he had fallen off the porch after he and [redacted] had consumed the beer and whiskey. His memory was very limited, likely stemming from the fact that he was inebriated at the time of the incident. Either the fall, or possibly his impairment from intoxication, caused [redacted] to lose consciousness for an unknown period of time. When [redacted] came around some time later, he realized that [redacted], who was presumably also unconscious, was atop him suggesting that she, like [redacted], may have also fallen in a similar fashion. Both [redacted] and [redacted] were then transported to an emergency room with [redacted] having sustained a laceration about the head and a broken toe while [redacted] had sustained fractured ribs, a punctured lung, a fractured clavicle and a concussion.
[redacted] advised the [redacted] investigator that both he and [redacted] were very familiar with the outdoor porch from where apparently they both fell as they had on numerous prior times smoked cigarettes while outside on this very same porch. Again, [redacted] had been a tenant with Mr. [redacted] at this location for over two years. There was no evidence that the porch was anything other than stable and completely in tact.
Similarly, the property manager for this location also advised the [redacted] investigator that there is no history of individuals falling from the porch in this or any other manner.
[redacted], through its independent investigator, made contact with [redacted] but she refused to meet with or provide any information to the investigator.
[redacted] later advised the [redacted] investigator that he would not be pursuing a claim against the [redacted] policyholder, Mr. [redacted].As [redacted] never cooperated in the [redacted] investigation causing [redacted] to believe [redacted] was not making claim, and with [redacted] having advised [redacted] that he would not be making claim against Mr. [redacted] closed its claim file.
[redacted] stands ready to handle any claim that either [redacted] or [redacted] may choose to pursue against Mr. [redacted] however the circumstances surrounding this incident hardly suggest that Mr. [redacted] is liable for the injuries that either [redacted] or [redacted] sustained.
Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty Gedd, at ###-###-#### or via email at [redacted]@nationwide.com.

Dear [redacted]
FONT-SIZE: 10pt; mso-bidi-font-size: 9.0pt; mso-bidi-font-family: 'Times New Roman'"> 
I am in receipt of your email dated December 19, 2015.    
 
I am providing you with the following information:
 
·         Policy Declarations
·         Billing Breakdown
 
Policy [redacted] renewed effective December 14, 2013, with a term premium of $1,511.00.  On November 14, 2013, a Renewal Declarations was mailed to the address on file advising of the Dwelling Coverage, listed at $451,100, and the new term premium.  
 
The increase in the 12 month premium, from $1,278.00 to $1,511.00 was due to several changes: 
 
·         A statewide rate revision for the Nationwide Property and Casualty Insurance Company.  Insurance is premised on pooling similar risk exposures and they share in the benefits of that to develop manageable premiums.  The industry is highly competitive with each company using different strategies to ensure profitable growth and thereby serving their customers.  Like all competitors, we regularly review our performance and file any needed rate changes at a territory or characteristic level with the state agency that regulates insurance.
·         Due to the Inflation Protection on the policy, dwelling coverage (A) increased from $438,800 to $451,100.  With the change to Coverage A, Coverage B increased from $43,880 to $45,110, Coverage C increased from $307,160 to $315,770, and Coverage D increased from $438,800 to $451,100.
·         The removal of the Home Purchase Discount.  This is a five year diminishing discount that is available to New Business customers who have purchased their home within 12 months of their policy effective date.
·         The reduction of the New Home Discount.  This is a 15 year diminishing discount that is available to customers who have a newer home.
 
Policy [redacted] renewed effective December 14, 2014, with a term premium of $1,511.00.  On November 14, 2014, a Renewal Declarations was mailed to the address on file advising of the Dwelling Coverage, listed at $460,600, and the new term premium.  
 
The increase in the 12 month premium, from $1,511.00 to $1,763.00 was due to several changes: 
 
·         A statewide rate revision for the Nationwide Property and Casualty Insurance Company.  Insurance is premised on pooling similar risk exposures and they share in the benefits of that to develop manageable premiums.  The industry is highly competitive with each company using different strategies to ensure profitable growth and thereby serving their customers.  Like all competitors, we regularly review our performance and file any needed rate changes at a territory or characteristic level with the state agency that regulates insurance.
·         Due to the Inflation Protection on the policy, dwelling coverage (A) increased from $451,100 to $460,600.  With the change to Coverage A, Coverage B increased from $45,110 to $46,060, Coverage C increased from $315,770 to $322,420, and Coverage D increased from $451,100 to $460,600.
·         The reduction of the New Home Discount.  This is a 15 year diminishing discount that is available to customers who have a newer home.
 
Review of the policy shows the proper premium was charged for coverage provided; therefore, no refund is owed on the policy.  Unfortunately, Nationwide can not speak to the rates of other insurance companies. 
 
If the member wishes, she can contact the Nationwide Sales Solutions Retention department, at ###-###-####, to have a new MSB (Marshall & Swift/Boeckh's RCT Express) conducted to determine the current Reconstruction Cost of her home.  Upon receipt of any updated information, the sales representative can contact the underwriting department to request any necessary changes.
 
If you have any further questions, please do not hesitate to contact me, at ###-###-####, ext. [redacted]
 
Sincerely,
 
 
[redacted]
Nationwide
###-###-####, ext. [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[redacted], 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]

My experience with Nationwide was absolutely terrible. I work at a dealership and a mutual customer of ours bought a car so I called to set up insurance. [redacted] law is that on an insurance card, the name has to be displayed exactly how it is displayed on the customer's drivers license. This particular customer had a bit of a longer hyphenated name but I have dealt with this particualar issue with insurance before. The card came in and the name was abbreviated. The next day, 10/15/14, I called back and spoke with a representative named [redacted] and I explained to her the situation and she told me that there was no way that she could make the name fit, with attitude in her voice. I told her [redacted] law and that for our mutual customer's purchase to be finalized, we need proper insurance cards. She advised me that there was nothing she could do. I told her that I would need to speak with a supervisor because I needed this taken care of in a timely manner. I was then put on hold for quite some time, it felt like ten minutes or so only to get back on the phone to [redacted] instead of the supervisor. She told me that her supervisor said to tell me that I should be directed to the escalating agency. I then said that I would still like to be transferred to the supervisor. My thinking in this is that I don't know if [redacted] spoke to anyone at all or if this supervisor got the full story. At this point I am frustrated because I am not asking a lot by asking to speak with a supervisor, I just wanted to take care of our mutual customer. [redacted] put me on hold once more only to get back on a few minutes later to say that her supervisor is refusing to get on the phone and that once again she is directing me to the escalating agency. I was put on hold one more time only for [redacted] to get back on the phone again to say that the escalating agency is closed and that she would take down my number for them to get back to me within the hour. It has now been hours and I still haven't heard back. I asked for [redacted]'s name and then I asked for the supervisors name which was given to me as "[redacted]" not sure of the spelling or if this is even correct because this [redacted] was not helpful whatsoever. I felt like I was being lied to the entire time. Considering that when I called the Nationwide numbers, I had to go through several annoying prompts only then to be connected with someone as rude and unhelpful as [redacted] is awful. I won't be recommending Nationwide as an insurance carrier at my place of business ever again which is a shame.