Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below The response from Ameriprise still contends that the square footage and number of bathrooms are correctI live in my house every day and know how many bathrooms I have, they are welcome to come and count them with meThis is insulting [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]
Thank you for sending the complaint filed by Mr***, which we received on July 11, We understand that he would like a detailed explanation on why his credit card was charged by our companyWe appreciate the opportunity to address his concerns.The credit card charge of $was due to a home policy that was started with our company on July 3, The property address is Walnut Street, Ithaca, NY 14850-The policyholders’ names are [redacted] and [redacted] ***The mailing address listed on the policy is [redacted] .If Mr [redacted] feels that this policy was issued in error or should not have been charged to his credit card we encourage him to call our Client Service Department at ###-###-#### and reference policy number BHWe would be happy to help him resolve this issue.If you have any questions about this information, you may contact me at ###-###-####, Ext7350.Sincerely,
Thank you for sending the follcomplaint filed by Mr [redacted] , which we received on November 17, 2015.We told MrKhamani his claim representative would contact him within two to three business days after we receive any supplemental damages related to the accident from [redacted] , which, to date, we have not received.Per Mr [redacted] ’s request, we sent the vehicle evaluation information to him today.If you have any questions about this information, you may contact me at ###-###-####, Ext***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Thank you for sending the complaint filed by Mr [redacted] **, which we received on November 14, 2016.We understand that he has additional concerns regarding his claim.We have concluded our investigation of the loss that [redacted] reported to us on June 24, Ourcorrespondence to [redacted] informing him of our decision is being finalized and will be sent to him withinthe upcoming week.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11133941, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.Aneriprise had continued to not explain what points in my coverage changed with the new rate system but can only state it changed and it is a correct changeI would like to know exactly what made my premium change when the new rate system came into effectAmeriprise is not giving me a competitive rate based off of their competitorsI am asking for the difference they overcharged me based on the competitor rates for the same coverage selected Regards, Kiley [redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.] RevDex.com: I have reviewed the response made by the business... in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me. Regards,
Thank you for sending the complaint filed by Mr [redacted] ***, which we received on June 30, We understand that he disagrees with our decision regarding the claimWe appreciate the opportunity to address his concerns.Our appraiser inspected the insured home and determined that the damage resulting from the leaking refrigerator water line was not sudden but rather it was long termThis was determined based on the inspection, the residue present and the condition of the wood floor and its decay.We understand the situation may be frustrating for Mr [redacted] as he explained he did not think to check behind his refrigerator often, but insurance policies do not protect against water damage that occurs over a period of timeMr***’s policy reads:Section I - Perils We Insure AgainstDwelling and Other Structures CoverageWe insure against risk of direct physical loss to property described in Dwelling Coverage and Other Structures Coverage.We do not insure, however, for loss:Accidental Discharge or Overflow of Water or SteamaThis peril means accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or household appliance.bThis peril does not include loss:1) To the system or appliance from which the water or steam escaped;2) Caused by or resulting from freezing except as provided in Perils We Insure Against - Freezing;3) On the residence premises caused by accidental discharge or overflow which occurs off the residence premises; or4) Caused by constant or repeated seepage or leakage of water or the presence or condensation of humidity, moisture or vapor, over a period of days or more.cIn this peril, a plumbing system or household appliance does not include a sump, sump pump or related equipment or a roof drain, gutter, downspout or similar fixtures or equipment.dSection I Exclusions Water Damage, Paragraphs aand cthat apply to surface water and water below the surface of the ground do not apply to loss by water covered under this peril.If you have any questions about this information, you may contact me at ###-###-####, Ext3024.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Thank you for sending the complaint filed by Mr [redacted] , which we received on July 5, We understand that he would like additional details surrounding a change in premiumWe appreciate the opportunity to address his concerns.Per the complaint filed by Mr [redacted] , he disagrees with our replacement cost assessment for his homeMr [redacted] ’s home insurance policy began effective August 1, We inspected his home on September 30, The replacement cost of the home was updated to $1,141,based on the features noted in the inspectionThe change in replacement cost was made effective the August 1, policy renewal dateOn June 17, we mailed the August 1, renewal offer to Mr [redacted] , giving him sufficient time to review the change in replacement cost.Mr [redacted] called our office on June 28, inquiring about the change in replacement cost at the renewalHe called again on June 30, and at his request we emailed to him a copy of the inspection and a copy of a replacement cost calculations to review.We insure homes for their replacement cost, not the market valueWe are aware that the market value of the home is lower than the replacement cost, but we insure the home for the replacement value of the home to ensure there is sufficient coverage in the event of a total lossReplacement cost takes into account not only the materials to re-build the home but also debris removal, demolition, changes in building codes, and other items such as extra fees and premium for materials and other contingencies that market value would not account for.We are confident that the replacement cost noted in the inspection of the home is what would be needed to rebuild Mr [redacted] ’s home in the event of a total lossAdditionally Since our receipt of Mr [redacted] ’s complaint, he has provided information contesting the number of bathrooms and the above ground square footage of his homeAfter another review of the home inspection and public record, we confirmed that the home has bathrooms and an above ground square footage of If Mr [redacted] has made any alterations to the home or has documentation to confirm his assertions about the property, we encourage him to provide this information to us for further review.If you have any questions about this information, you may contact me at ###-###-####, Ext3461.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] I reject this last response from this companyEven as they stayed, like they mentioned that I asked hypothetical questions, I called that day and went through the policy coverages with their representitiveThis was the call which I verified coverages like any customer can do to make sure each thing I specifically asked was coveredIf I am not correct, I even paid additional for a few addendums which would have covered this specific loss that has been mentioned from the start.Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below They never informed me about the days's gap from the day one I took the treatment until my doctor submitted the bills to them after their requestThen, they started to change their mind and not to pay the doctor in **llI happened to have the arranged oversees trip right after the accidentAnd I told them clearly that I had left arm and neck pains after the accident, but they are not life threateningSo, I did not see treatments right awayThey never said no, but kept on wanting me to update them with my treatments and time off statusIf days' gap is a concern to then, they should have let me know back thenMy left arm still hurts right now and I am still seeing the doctorI don't think they will pay the current bills Regards, [redacted] **
Thank you for sending the follow up inquiry filed by MsJessica ***, which we received on February2, We understand that Ms [redacted] continues to disagree with our negligence assessment.We believe our previous response addresses all of the issues Ms [redacted] raises, and we have no newinformation to add at this time.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the complaint filed by MsLydia [redacted] , which we received on January 29, 2016.We understand that she feels there was a delay processing the claimWe appreciate the opportunity toaddress her concerns.We are pleased to advise you that we sent a payment for $to Ms [redacted] for her diminished valueclaim on February 3, 2016.We adhere to industry standards for each state when determining the amount owed for diminished value.The amount owed is based on the actual case value of the vehicle at the time of loss, which wedetermined to be $9,670.That amount was reduced by a standard 10% loss of value, which resulted in a base figure of $Inaddition, we assigned a factor based on the severity of the damage the vehicle sustained (with beingthe highest possible); Ms [redacted] ’s vehicle was assessed due to the damage to the rear panel andvehicle frameWe also consider the mileage on the vehicle at the time of the loss and compare it to100,miles, which is the maximum mileage for retail saleHer vehicle had 46,miles; therefore, themodifier used was More specifically, the calculations were as follows: KBB Actual Cash Value: $9,670.00Previous Diminished Value Adjustment: $0.00Previous Loss Adjustment: $0.00Adjusted Actual Cash Value: $9,670.00ACV Modifier 10%: x .10Base Diminished Value: $967.00Damage Severity Modifier: x 0.80Mileage Modifier: x 0.537Calculated Diminished Value: $415.20If you have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the complaint filed by Ms [redacted] , which we received on July 9, Weunderstand that she feels there was a delay processing the claimWe appreciate the opportunity to addressher concerns.Immediately after receiving notice of the claim on March 30, 2015, we assigned MrMatt [redacted] to inspectthe property and provide an estimateOn April 20, 2015, we issued payment in the amount of $toMrand Ms [redacted] based on Mr***'s estimate.On April 23, 2015, Ms [redacted] notified us that her contractor, Mr [redacted] , disagreed with Mr***'sestimate and supplemental payment was needed to complete the repairsMr [redacted] and his associate, Mr.***, worked with Mr [redacted] to reach an agreed price for the cost of repairs.On June 9, 2015, we issued additional payment to Mrand Ms [redacted] for the damages agreed uponwith Mr [redacted] .Upon receipt of this complaint, we followed up with Mr [redacted] During that conversation, wedetermined that an agreement had, in fact, not been reached on the actual amount needed to indemnify theinsuredWe subsequently reached an agreed amount with Mr [redacted] of $7,for the needed repairs.We issued supplemental payment in tllis amount on July 15,
Thank you for sending the complaint filed by Ms [redacted] , which we received on July 6, Weunderstand that she disagrees with our decision regarding the claimWe appreciate the opportunity toaddress her concerns.Ms [redacted] filed a home claim on June 9, 2015, with a loss description of "black dust all over goods,beds, walls and cabinets." We advised the insured that we would assign an independent appraiser toinspect the damage prior to our coverage determinationWe also reviewed the policy langnage, includingthe named perils and amendments, with Ms [redacted] and emailed a copy of the policy booklet to her.The inspection report and photographs revealed mold growth throughout the home, likely due to a longterm toilet leak and long term siding leak at the deck above the living roomUnfortunately the damage isnot a named peril and, therefore, we were unable to extend coverage for Ms [redacted] ' lossWe discussedthe results with Ms [redacted] and followed up with a written explanation outlining the policy language.We are truly sorry that Ms [redacted] experienced this unfortunate event, and we understand that this is notthe outcome she would likeRegrettably, after reviewing the facts of the loss and our investigation resultsa second time, we respectfully maintain our denial of the claim
Thank you for sending the complaint filed by Ms [redacted] , which we received on September 2, We understand that Ms [redacted] feels there was a delay in handling this claimWe appreciate the opportunity to address this concern.We recently referred Ms [redacted] ’s claim to the appropriate department for recovery of her deductible and our payment amountWe apologize to her for any perceived delay regarding this recovery and in an effort to provide Ms [redacted] excellent customer service, we sent her the Comprehensive deductible amount of $on September 2, 2016.We hope this resolves Ms [redacted] ’s concerns, however, if there are remaining questions about this information, you may contact me at ###-###-####, Ext6550.Sincerely, [redacted]
Thank you for sending the complaint filed by Mr [redacted] , which we received on July 8, Weunderstand that he disagrees with our decision surrounding the cancellation of his policyWe appreciatethe opportunity to address his concerns and believe that the following timeline will help provideclarification.• On April 17, 2015, we mailed the automobile policy renewal packet, which included a billThe billnoted the payment metbod as automatic credit card monthly payment to Mr [redacted] 's Visa (cardending in ***) occurring on June 1, 2015.• On June 2, 2015, we charged $to Mr [redacted] 's Visa(Because June 1, was a Monday,our system processes bills overnight and payments are reflected the next business day.)• On June 3, 2015, we received a payment reversal for $because Mr [redacted] 's credit card wasdeclinedTherefore, we mailed a pending cancellation notice to Mr [redacted] explaining the recentpayment was declined and that we required payment in full of $by June 18, 2015, to avoidcancellation.• On June 4, 2015, an automated call was made to tbe phone number we had on file for Mr [redacted] tonotify him ofthe payment reversal and pending cancellationWe regret iftbe call was not made toMr [redacted] 's most current phone number, but these automated calls are simply an extra step we takeas a courtesy to clients - they are not required.• On June 18, 2015, the policy cancelled for non-payment of premiumThe cancellation generated anew bill for the outstanding portion of premium for coverage provided, which was $due July14,2015.• On July 7,2015, Mr [redacted] contacted our office to discuss the policyWe advised him of thecancellation and that, regrettably, his policy did not qualify for reinstatement
Thank you for sending the complaint filed by Mr. [redacted] , which we received on July 12, 2016. We understand that he would like additional details surrounding a change in premium. We appreciate the opportunity to address his concerns.On July 7, 2016 Mr. [redacted] sent us a copy of the real estate appraisal for his home. The real estate appraisal indicated 5,080 square feet of gross living area above grade and photos of 5 and a half baths.We updated the square footage from 6,459 to 5,080 square feet per the real estate appraisal received. While our inspection report indicated there were 7 full bathrooms we did not agree with that assessment and have continued to list 5 and half bathrooms in our replacement cost calculation. With the change in total living area, the updated replacement cost for the home is calculated to be $922,200. We mailed an updated renewal offer to Mr. [redacted] on July 13, 2016.It is our position that we have addressed Mr. [redacted] ’s concerns regarding the difference in square footage and number bathrooms in his home. We apologize for any inconvenience that Mr. [redacted] has experienced during this process.If you have any questions about this information, you may contact me at ###-###-####, Ext. 3461.Sincerely,
Thank you for sending the complaint filed by Ms [redacted] , which we received on August 18,We understand that she would like a more detailed explanation of why the policy was canceledWeappreciate the opportunity to address her concerns.On July 1, 2016, Ms [redacted] requested a quote through our online quoting systemOn July 5, 2016, Mr[redacted] called our sales call center and bound the policy effective July 13, At the time of the onlinequote, zero prior claims were disclosed by Ms [redacted] .On July 6, we mailed a paper application to Ms [redacted] which we also require to be completed.We received the signed and completed application on July 19, On the application Ms [redacted] indicated that there were two prior claims; Water Damage from November and Falling Tree fromJuly 28, Due to this newly disclosed information, the policy was no longer eligible as ourunderwriting guidelines do not allow more than one loss in the last three yearsFor this reason, the policywas scheduled to cancel effective September 9, 2016.On August 12, 2016, a rescission notice was mailed in error indicating the cancellation should bedisregardedThe policy cancellation notice was mailed on August 15, Although we sent therescission notice in error, the policy remains ineligible as the prior claims activity does not qualify forcoverage.I contacted Mr [redacted] by telephone on August 25, to address the concerns outlined in thecomplaint and offer resolutionDue to the miscommunication when we initially set the policy to cancel,we have given the [redacted] s additional time to find replacement homeowners insurance.He understandsthat the policy is now scheduled to expire effective September 30, 2016.If you have any questions about this information, you may contact me at ###-###-####.Sincerely, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below The response from Ameriprise still contends that the square footage and number of bathrooms are correctI live in my house every day and know how many bathrooms I have, they are welcome to come and count them with meThis is insulting [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]
Thank youThe website will not complete my entry, but I accept the response.I appreciate your help! [redacted]
Thank you for sending the complaint filed by Mr***, which we received on July 11, We understand that he would like a detailed explanation on why his credit card was charged by our companyWe appreciate the opportunity to address his concerns.The credit card charge of $was due to a home policy that was started with our company on July 3, The property address is Walnut Street, Ithaca, NY 14850-The policyholders’ names are [redacted] and [redacted] ***The mailing address listed on the policy is [redacted] .If Mr [redacted] feels that this policy was issued in error or should not have been charged to his credit card we encourage him to call our Client Service Department at ###-###-#### and reference policy number BHWe would be happy to help him resolve this issue.If you have any questions about this information, you may contact me at ###-###-####, Ext7350.Sincerely,
Thank you for sending the follcomplaint filed by Mr [redacted] , which we received on November 17, 2015.We told MrKhamani his claim representative would contact him within two to three business days after we receive any supplemental damages related to the accident from [redacted] , which, to date, we have not received.Per Mr [redacted] ’s request, we sent the vehicle evaluation information to him today.If you have any questions about this information, you may contact me at ###-###-####, Ext***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Thank you for sending the complaint filed by Mr [redacted] **, which we received on November 14, 2016.We understand that he has additional concerns regarding his claim.We have concluded our investigation of the loss that [redacted] reported to us on June 24, Ourcorrespondence to [redacted] informing him of our decision is being finalized and will be sent to him withinthe upcoming week.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11133941, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.Aneriprise had continued to not explain what points in my coverage changed with the new rate system but can only state it changed and it is a correct changeI would like to know exactly what made my premium change when the new rate system came into effectAmeriprise is not giving me a competitive rate based off of their competitorsI am asking for the difference they overcharged me based on the competitor rates for the same coverage selected Regards, Kiley [redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.] RevDex.com: I have reviewed the response made by the business... in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me. Regards,
Thank you for sending the complaint filed by Mr [redacted] ***, which we received on June 30, We understand that he disagrees with our decision regarding the claimWe appreciate the opportunity to address his concerns.Our appraiser inspected the insured home and determined that the damage resulting from the leaking refrigerator water line was not sudden but rather it was long termThis was determined based on the inspection, the residue present and the condition of the wood floor and its decay.We understand the situation may be frustrating for Mr [redacted] as he explained he did not think to check behind his refrigerator often, but insurance policies do not protect against water damage that occurs over a period of timeMr***’s policy reads:Section I - Perils We Insure AgainstDwelling and Other Structures CoverageWe insure against risk of direct physical loss to property described in Dwelling Coverage and Other Structures Coverage.We do not insure, however, for loss:Accidental Discharge or Overflow of Water or SteamaThis peril means accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or household appliance.bThis peril does not include loss:1) To the system or appliance from which the water or steam escaped;2) Caused by or resulting from freezing except as provided in Perils We Insure Against - Freezing;3) On the residence premises caused by accidental discharge or overflow which occurs off the residence premises; or4) Caused by constant or repeated seepage or leakage of water or the presence or condensation of humidity, moisture or vapor, over a period of days or more.cIn this peril, a plumbing system or household appliance does not include a sump, sump pump or related equipment or a roof drain, gutter, downspout or similar fixtures or equipment.dSection I Exclusions Water Damage, Paragraphs aand cthat apply to surface water and water below the surface of the ground do not apply to loss by water covered under this peril.If you have any questions about this information, you may contact me at ###-###-####, Ext3024.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Thank you for sending the complaint filed by Mr [redacted] , which we received on July 5, We understand that he would like additional details surrounding a change in premiumWe appreciate the opportunity to address his concerns.Per the complaint filed by Mr [redacted] , he disagrees with our replacement cost assessment for his homeMr [redacted] ’s home insurance policy began effective August 1, We inspected his home on September 30, The replacement cost of the home was updated to $1,141,based on the features noted in the inspectionThe change in replacement cost was made effective the August 1, policy renewal dateOn June 17, we mailed the August 1, renewal offer to Mr [redacted] , giving him sufficient time to review the change in replacement cost.Mr [redacted] called our office on June 28, inquiring about the change in replacement cost at the renewalHe called again on June 30, and at his request we emailed to him a copy of the inspection and a copy of a replacement cost calculations to review.We insure homes for their replacement cost, not the market valueWe are aware that the market value of the home is lower than the replacement cost, but we insure the home for the replacement value of the home to ensure there is sufficient coverage in the event of a total lossReplacement cost takes into account not only the materials to re-build the home but also debris removal, demolition, changes in building codes, and other items such as extra fees and premium for materials and other contingencies that market value would not account for.We are confident that the replacement cost noted in the inspection of the home is what would be needed to rebuild Mr [redacted] ’s home in the event of a total lossAdditionally Since our receipt of Mr [redacted] ’s complaint, he has provided information contesting the number of bathrooms and the above ground square footage of his homeAfter another review of the home inspection and public record, we confirmed that the home has bathrooms and an above ground square footage of If Mr [redacted] has made any alterations to the home or has documentation to confirm his assertions about the property, we encourage him to provide this information to us for further review.If you have any questions about this information, you may contact me at ###-###-####, Ext3461.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] I reject this last response from this companyEven as they stayed, like they mentioned that I asked hypothetical questions, I called that day and went through the policy coverages with their representitiveThis was the call which I verified coverages like any customer can do to make sure each thing I specifically asked was coveredIf I am not correct, I even paid additional for a few addendums which would have covered this specific loss that has been mentioned from the start.Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below They never informed me about the days's gap from the day one I took the treatment until my doctor submitted the bills to them after their requestThen, they started to change their mind and not to pay the doctor in **llI happened to have the arranged oversees trip right after the accidentAnd I told them clearly that I had left arm and neck pains after the accident, but they are not life threateningSo, I did not see treatments right awayThey never said no, but kept on wanting me to update them with my treatments and time off statusIf days' gap is a concern to then, they should have let me know back thenMy left arm still hurts right now and I am still seeing the doctorI don't think they will pay the current bills Regards, [redacted] **
Thank you for sending the follow up inquiry filed by MsJessica ***, which we received on February2, We understand that Ms [redacted] continues to disagree with our negligence assessment.We believe our previous response addresses all of the issues Ms [redacted] raises, and we have no newinformation to add at this time.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the complaint filed by MsLydia [redacted] , which we received on January 29, 2016.We understand that she feels there was a delay processing the claimWe appreciate the opportunity toaddress her concerns.We are pleased to advise you that we sent a payment for $to Ms [redacted] for her diminished valueclaim on February 3, 2016.We adhere to industry standards for each state when determining the amount owed for diminished value.The amount owed is based on the actual case value of the vehicle at the time of loss, which wedetermined to be $9,670.That amount was reduced by a standard 10% loss of value, which resulted in a base figure of $Inaddition, we assigned a factor based on the severity of the damage the vehicle sustained (with beingthe highest possible); Ms [redacted] ’s vehicle was assessed due to the damage to the rear panel andvehicle frameWe also consider the mileage on the vehicle at the time of the loss and compare it to100,miles, which is the maximum mileage for retail saleHer vehicle had 46,miles; therefore, themodifier used was More specifically, the calculations were as follows: KBB Actual Cash Value: $9,670.00Previous Diminished Value Adjustment: $0.00Previous Loss Adjustment: $0.00Adjusted Actual Cash Value: $9,670.00ACV Modifier 10%: x .10Base Diminished Value: $967.00Damage Severity Modifier: x 0.80Mileage Modifier: x 0.537Calculated Diminished Value: $415.20If you have any questions about this information, you may contact me at ###-###-####, Ext***
Thank you for sending the complaint filed by Ms [redacted] , which we received on July 9, Weunderstand that she feels there was a delay processing the claimWe appreciate the opportunity to addressher concerns.Immediately after receiving notice of the claim on March 30, 2015, we assigned MrMatt [redacted] to inspectthe property and provide an estimateOn April 20, 2015, we issued payment in the amount of $toMrand Ms [redacted] based on Mr***'s estimate.On April 23, 2015, Ms [redacted] notified us that her contractor, Mr [redacted] , disagreed with Mr***'sestimate and supplemental payment was needed to complete the repairsMr [redacted] and his associate, Mr.***, worked with Mr [redacted] to reach an agreed price for the cost of repairs.On June 9, 2015, we issued additional payment to Mrand Ms [redacted] for the damages agreed uponwith Mr [redacted] .Upon receipt of this complaint, we followed up with Mr [redacted] During that conversation, wedetermined that an agreement had, in fact, not been reached on the actual amount needed to indemnify theinsuredWe subsequently reached an agreed amount with Mr [redacted] of $7,for the needed repairs.We issued supplemental payment in tllis amount on July 15,
Thank you for sending the complaint filed by Ms [redacted] , which we received on July 6, Weunderstand that she disagrees with our decision regarding the claimWe appreciate the opportunity toaddress her concerns.Ms [redacted] filed a home claim on June 9, 2015, with a loss description of "black dust all over goods,beds, walls and cabinets." We advised the insured that we would assign an independent appraiser toinspect the damage prior to our coverage determinationWe also reviewed the policy langnage, includingthe named perils and amendments, with Ms [redacted] and emailed a copy of the policy booklet to her.The inspection report and photographs revealed mold growth throughout the home, likely due to a longterm toilet leak and long term siding leak at the deck above the living roomUnfortunately the damage isnot a named peril and, therefore, we were unable to extend coverage for Ms [redacted] ' lossWe discussedthe results with Ms [redacted] and followed up with a written explanation outlining the policy language.We are truly sorry that Ms [redacted] experienced this unfortunate event, and we understand that this is notthe outcome she would likeRegrettably, after reviewing the facts of the loss and our investigation resultsa second time, we respectfully maintain our denial of the claim
Thank you for sending the complaint filed by Ms [redacted] , which we received on September 2, We understand that Ms [redacted] feels there was a delay in handling this claimWe appreciate the opportunity to address this concern.We recently referred Ms [redacted] ’s claim to the appropriate department for recovery of her deductible and our payment amountWe apologize to her for any perceived delay regarding this recovery and in an effort to provide Ms [redacted] excellent customer service, we sent her the Comprehensive deductible amount of $on September 2, 2016.We hope this resolves Ms [redacted] ’s concerns, however, if there are remaining questions about this information, you may contact me at ###-###-####, Ext6550.Sincerely, [redacted]
Thank you for sending the complaint filed by Mr [redacted] , which we received on July 8, Weunderstand that he disagrees with our decision surrounding the cancellation of his policyWe appreciatethe opportunity to address his concerns and believe that the following timeline will help provideclarification.• On April 17, 2015, we mailed the automobile policy renewal packet, which included a billThe billnoted the payment metbod as automatic credit card monthly payment to Mr [redacted] 's Visa (cardending in ***) occurring on June 1, 2015.• On June 2, 2015, we charged $to Mr [redacted] 's Visa(Because June 1, was a Monday,our system processes bills overnight and payments are reflected the next business day.)• On June 3, 2015, we received a payment reversal for $because Mr [redacted] 's credit card wasdeclinedTherefore, we mailed a pending cancellation notice to Mr [redacted] explaining the recentpayment was declined and that we required payment in full of $by June 18, 2015, to avoidcancellation.• On June 4, 2015, an automated call was made to tbe phone number we had on file for Mr [redacted] tonotify him ofthe payment reversal and pending cancellationWe regret iftbe call was not made toMr [redacted] 's most current phone number, but these automated calls are simply an extra step we takeas a courtesy to clients - they are not required.• On June 18, 2015, the policy cancelled for non-payment of premiumThe cancellation generated anew bill for the outstanding portion of premium for coverage provided, which was $due July14,2015.• On July 7,2015, Mr [redacted] contacted our office to discuss the policyWe advised him of thecancellation and that, regrettably, his policy did not qualify for reinstatement
Thank you for sending the complaint filed by Mr. [redacted] , which we received on July 12, 2016. We understand that he would like additional details surrounding a change in premium. We appreciate the opportunity to address his concerns.On July 7, 2016 Mr. [redacted] sent us a copy of the real estate appraisal for his home. The real estate appraisal indicated 5,080 square feet of gross living area above grade and photos of 5 and a half baths.We updated the square footage from 6,459 to 5,080 square feet per the real estate appraisal received. While our inspection report indicated there were 7 full bathrooms we did not agree with that assessment and have continued to list 5 and half bathrooms in our replacement cost calculation. With the change in total living area, the updated replacement cost for the home is calculated to be $922,200. We mailed an updated renewal offer to Mr. [redacted] on July 13, 2016.It is our position that we have addressed Mr. [redacted] ’s concerns regarding the difference in square footage and number bathrooms in his home. We apologize for any inconvenience that Mr. [redacted] has experienced during this process.If you have any questions about this information, you may contact me at ###-###-####, Ext. 3461.Sincerely,
Thank you for sending the complaint filed by Ms [redacted] , which we received on August 18,We understand that she would like a more detailed explanation of why the policy was canceledWeappreciate the opportunity to address her concerns.On July 1, 2016, Ms [redacted] requested a quote through our online quoting systemOn July 5, 2016, Mr[redacted] called our sales call center and bound the policy effective July 13, At the time of the onlinequote, zero prior claims were disclosed by Ms [redacted] .On July 6, we mailed a paper application to Ms [redacted] which we also require to be completed.We received the signed and completed application on July 19, On the application Ms [redacted] indicated that there were two prior claims; Water Damage from November and Falling Tree fromJuly 28, Due to this newly disclosed information, the policy was no longer eligible as ourunderwriting guidelines do not allow more than one loss in the last three yearsFor this reason, the policywas scheduled to cancel effective September 9, 2016.On August 12, 2016, a rescission notice was mailed in error indicating the cancellation should bedisregardedThe policy cancellation notice was mailed on August 15, Although we sent therescission notice in error, the policy remains ineligible as the prior claims activity does not qualify forcoverage.I contacted Mr [redacted] by telephone on August 25, to address the concerns outlined in thecomplaint and offer resolutionDue to the miscommunication when we initially set the policy to cancel,we have given the [redacted] s additional time to find replacement homeowners insurance.He understandsthat the policy is now scheduled to expire effective September 30, 2016.If you have any questions about this information, you may contact me at ###-###-####.Sincerely, [redacted]