QBE First Insurance Agency Inc

Unprofessional and very rude over the phone, even when management is involved. Degrading, insulting and very bully like behaviors. Delayed communication intentionally to delay payout on approved work. Purposly pushes laws of good faith to limits to tire the policy holder to settle on damages that could cause future concerns. Ie Asbestos, dwelling and structure issues, ect. No easy way to go over policy and what is covers in time of need. Hands down the worse experience I have had with a buisness that I have invested in.

My insurance is with State Farm and they are EXCELLENT. My mortgage company is Seterus, Inc.; Seterus, Inc. utilizes QBE to assist homeowners in the event of a property loss or damage. QBE has held my insurance check of $2, 930 for 2 years now; I had to pay for all of my repairs out of pocket. I have sent QBC every document/photos they have asked for and it the same thing over and over again. I can’t believe this…… but it is so very true. THIS IS A VERY BAD COMPANY.

Review: We rarely get a call back when requested. (one in eight). The phone agents say they can't help with this situation, and sorry there are no supervisors available. This happened four times. We send all docs and invoices that QBE requests, but when we call a week later for an update, they say it's still being reviewed, and something doesn't match!? What? We were told this check would be mailed Tuesday June 22.

This is the final check for the repairs on our kitchen. The kitchen is finished, and certified by the QBE inspector. My Insurance co.(Safeco) issued this final check to us to complete the claim, unfortunately it has to go though QBE First and then back to me.Desired Settlement: Send final check, that my insurance co.(Safeco) issued to us for the claim.

Review: I purchased a renter's insurance policy online from Resident Shield (via QBE) 7 June, 2014.

The policy included a $25 policy fee. On the website I could find no information stating that the fee was nonrefundable. I tried c ling that day with other questions (7 June) but they had no representatives to answer the phone. I proceeded with the purchase. On 10 June 2014 +/- 1 day I cancelled my policy. I called QBE and asked if I would be charged a cancellation fee. The representative stated that I would not. I asked if I would receive a full refund. She made it seem as though I would. Later she back tracked and said the policy fee might not be refundable, but never gave me an exact answer. When I received the policy terms (which happened to be after cancellation due to my cancelling the policy so quickly) I read the documents, and nowhere does it state or imply the fee is non-refundable.

I received a refund of approximately $7 (I do not have the exact figure). However, even excluding the policy fee this is a bad calculation. At an annual rate of $125 plus $25 policty fee for the total of $150, that means my premium was $0.3424 per day. As such, my refund should be calculated at that rate.Desired Settlement: I wish to receive the refund of $25 plus $0.3424 for each day of the month paid that was not used for a total of $33.07

Business

Response:

Re: Your File#: [redacted]

Complainant: [redacted]

This letter will serve to acknowledge that we received your above referenced complaint in our

office on August 6, 2014.

QBE is committed to providing its customers with high quality products and services. Your comments

are important to us in this process.

Your inquiry has been forwarded to an authorized person for a response to your request.

Sincerely,

Corporate legal

QBE

Direct:[redacted]

Fax:608.825.5899

E-mail[redacted]

Review: File a complaint regarding poor service and delayed for homeowners property restoration who they represent Seterus Mortgage Corp. They manage insurance property damage for Seterus. They have not allow any work to start, always asking for additional documentation of information from our property insurance company. Water damage occurred back in 3/1/204, with no remediation as of today 4/15/14. I with with 4 grandchildren, 2 children and my wife, with exposed walls that have electrical junction boxes making living conditions very hazardous to them. no kitchen facilities, delaying the need to reconstruct my kitchen having to eat out on a daily basis, making it a very financial hardship on myself.Desired Settlement: Have the contractor start restoration work immediately, with out further delay.pay supplemental for eating out expenses.Be responsible for any issues that may arise regarding living in hazardous conditions, because of their delay in the process always changing requirements to submit further forms.Emotional distress, pain and suffering.

Business

Response:

Due to the amount of funds Seterus is monitoring repairs and issuing draws to borrower and contractor in installments. The funds were received and sent for deposit on 4/09/14 along with a portion of the requested documentation. The needed documents were received and the first installment of funds was requested to Mr. [redacted] and the contractor for 50% of the funds received per the contractor’s request. We received additional funds on 4/21/14 and will issue an additional draw from those funds once the funds are available within 5 days of receiving the funds. We will continue to monitor the remaining funds and complete inspections to verify repairs.

Should you have any questions, please feel free to contact me.

Thank you,

Operations Manager

Loss Drafts

QBE Financial Partner Services

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I have not received nor my contractor doing the repairs has received additional funds, due to what QBE and their inspector from Safeguard states, the report (Initial report) does not support the amount nor satisfies QBE and/or Safeguard to write a report based on the initial report which was for $11,200. and some change. The inspector wanted an additional (supplemental) report from Allstate to support the amount of the $22,000.00 My homeowners insurance adjuster, Larry Winter was contacted last week to try and rectify the situation, but the adjuster said that he approved the additional cost based on Cross Cut Construction scope of work proposal and wrote an additional check for $9,800.00 and some change to suffice the cost of repairs, NO SUPPLEMENTAL REPORT WAS WRITTEN! HIS APPROVAL WAS AGAIN BASED ON CROSS CUT CONSTRUCTION PROPOSAL, which QBE has both checks, PAERWORK, NOTORIZED DOCUMENTS SUBMITTED and the funds to support the cost of the repairs.

Once again the job is being held up because QBE just wants to make my life miserable and delay getting back to my home, exceeding monthly family cost above and beyond my normal expenses and putting me in a bind financially cause me to have a severe hardship on me and my family. Living out of my home and traveling farther distances from a hotel in another city. QBE should be responsible for all the added costs, delays, hardship and personal grief they have put me through and my family. Please help me or a least direct me to a law firm that can help, but hoping you can help me first would be the better solution for all parties involved. The way QBE has scheduled for distribution was 1/3 at the beginning and 1/3 payment at 50%, and the final at 1/3 at the end of the job and final inspection with my approval. This has not happen according to their own policy and how to make payouts to my contractors based on their own policies. UNBELIEVABLE!!!!!

Regards,

Review: For the last couple of years we have had severe storms and or micro burst which over time have damaged my roof. On record, hail storm have been reported to damage homes and cars. In October last year, I had a filter burst on the refrigerator causing water damage in my home. I had to fight QBE on this claim that took over three months and I had mold growing in my house due the QBE incompetents. I paid $700 and change for water damage service which was a couple of dryers and one leaked. No water boards were pulled and the stove wasnt even moved, so what did I pay for? During this we noticed are patio was leaking from a major storm. The posts holding up the roof had disintegrated causing a serious and dangerous situation. So I paid for the repairs since it would take me 3-4 months to see any insurance help. During this time in October 2013, My contractor found multiple leaks in the roof, one around the entire fireplace and the reset were around all the boots on the house.Today, we found yet another leak from the last storm we had in one of the rooms, thus, the entire roof including the patio I want to claim as needing to replace the roof and drywall/paint work. Since I now have brand new flooring and my roof is falling in and mold is growing, QBE states that I have smoke damage, not water damage. Therefore, I am first filing a claim with the Revdex.com, then the attorney general, and eventually an attorney for various health issues related to the mold growing and constant tactics used by QBE in efforts not to do the right thing and process a claim.It gets old when inspectors try to say a lifetime roof leaks due to old age and not storms. And once again the inspector did not verify damage in attic as instructed.Claim # [redacted]Desired Settlement: I want a refund for water damage paid $767, I want reimbursement for the patio roof that I replaced $5700 and I want my roof fixed, drywall replaced and ceiling re-painted and any medical bills paid due to mold and allergy issues due to roof leaking and or water damage estimated at $45k.

Business

Response:

This letter is in response to the recent correspondence in regard to a complaint received in your office on

March 7, 2014 regarding claim numbers [redacted]. QBE FIRST

Insurance Agency, Inc. is the program manager for this insurance program, and is responding on behalf of

QBE Insurance Corporation and its designated third party administrator, QBE Americas, Inc.

Claim [redacted] was reported to our office on October 10, 2013 with an original date of loss of October 9,

2013. The file was assigned to Kaiko [redacted] for handling on October 10, 2013, and an acknowledgement

letter was sent to [redacted] and [redacted] on October 11, 2013. This claim was reported for water damage

to the home as a result of a failed water line leading to the refrigerator. While the initial estimate did not

include the engineered flooring, our re-inspection confirmed the flooring could not be salvaged and we issued

a payment in the amount of $20,447.85 on November 13, 2013. We also received the insured’s claim for

damage to their dining room table and a payment was issued in the amount of $2,232.01. Mr. [redacted] is

disputing the invoice that has been submitted to our office by Damage Control, LLC., and Ms. [redacted] has

asked Mr. [redacted] to submit the revised estimate for our review. Once this is received, Ms. [redacted] will

evaluate the invoice and issue payment for appropriate amount. This claim/damage is unrelated to the

damage from a roof leak and needs to be considered a separate event.

Claim [redacted] was reported to our office on February 14, 2014 with an original date of loss of December

25, 2013. The file was assigned to [redacted] on February 14, 2014, and an acknowledgement letter was

sent to [redacted] and [redacted] on February 15, 2014. The claim was reported for water damage to the

dwelling and to the patio as a result of a roof leak. An inspection of the property was completed on February

17, 2014 by [redacted] with [redacted]g Service and he found no storm related damage to the roof. The

leak appeared to be from the lack of/deterioration of the flashing around the chimney; however, no ensuing

water damage was observed to the home or patio.

During a telephone conversation with [redacted] from our office on February 28, 2014, [redacted],

disputed these findings and stated the independent adjuster from [redacted] refused to inspect the attic space.

Mr. [redacted] also stated the patio had been repaired prior to this inspection but he has photographs of the

damage and a copy the repair estimate from his contractor. Mr. [redacted] agreed to have the home

re-inspected by a different independent adjuster to address these concerns.

[redacted] from [redacted]g Service inspected the property on or about March 7, 2014. Mr. [redacted]

reported finding no storm related damage to the roof or any ensuing damage to the property related to this

date of loss. Mr. [redacted] advised Mr. [redacted] that he had been advised by two separate roofers that the boots

around the pipe vents needed to be replaced due to wear and tear. The roof for the patio had been replaced

after an event back in November and Mr. [redacted] stated the fascia and support beams to the patio had rot

damage. Mr. [redacted] was unable to inspect the attic space due to crossed truss members and a lack of

space within the attic (3 feet at the highest and down to 2 feet around the chimney), but he reported finding no

signs of water damage to the home. There was new/unrelated damage to a bedroom as a result of a recent

storm and this would not be related to this loss. Ms. [redacted] advised Mr. and Mrs. [redacted] of our findings on

March 11, 2014 and the denial letter was approved and mailed on March 14, 2014.

Claim [redacted] was reported to our office on March 14, 2014 with an original date of loss of November

2013. The file was assigned to Monique Tran on March 17, 2014, and an acknowledgement letter was sent

to [redacted] and [redacted] on March 18, 2014. The claim was reported for damage to the patio, and Ms.

Tran is in the process of investigating the loss.

Our review of the claims filed by [redacted] and [redacted] has found that they have been properly

investigated and properly evaluated based on the information we have on file. As always, we will be happy

to review any additional documentation that they feel was missed during our investigation. If you should

require any additional assistance please feel free to contact me directly to discuss any remaining issues on

the claim. You can contact me at toll free 1-800-362-5448, extension [redacted] between the hours of 8:00am

– 5:00pm CST.

Sincerely,

Director of Property Claims

QBE North America

Direct: [redacted]

Email: [redacted]

Review: Complaint against QBE Insurance for claim #[redacted] with their products issues and consumer service regarding the claim I put in when on the 31st of January my wife noticed that the ceiling light in the living room was full of water. When called to put in my claim the person on the phone had no knowledge or points of contact to assist me. There was not guidance from my claims representative for temporary or reasonable repairs to protect for further damage she keep saying you must mitigate for further damage when I asked her then I need to cut some of the drywall down to see where the water was coming she told me no. Remember this is the 31st a Friday evening. So when the claims adjuster came on the 3rd of February because QBE Insurance Company has no one to do that on the weekend. As we know mold can start within 24 hours. The claims rep never explained my policy as according to their website. I get a letter on the 5th all this time claims rep states 7 to 10 days after we get the adjuster paperwork the letter dated the 4th and [redacted] my claims rep that I will be notified when the claim is complete. The only time [redacted] called me is when I called first. I called on the 6th of left voice mail nothing. Talked to a customer service, that had more knowledge about my claim the [redacted]. The customer service rep told me the adjuster paperwork was in and that my claim needed to the next step by [redacted] call me back that same day and told me she had not received any paperwork and were still standing by. According to the [redacted] letter dated 4th it stated to take pictures as soon as possible but the letter does not give instructions on where to send any pictures or documents. When I talked to her again she gave me a fax number. So I am assuming two things one QBE has colored fax machines and two they must be able to high quality prints. If not QBE got black and white pictures of the damage you cannot see the real damage that occurred. The claims adjuster to pictures I am thinking they are not in black and white. Once I got permission to mitigate the damage going back to the letter on the 4th. Flood Masters came out to remove some of the ceiling, all of the insulation, the wood floors, dry out the room and treat for mold. I took pictures and also provide bill from Flood Masters and faxed them on the 12th. I called on the 15th to get an update and to see if she received the fax and according to our 1st conversation things should be done it has been 10 business days but still nothing. QBE must think emergencies dont happen on the weekendDesired Settlement: QBE needs to provide a clear cut process and let their customers know if you have any type of emergency on the weekend or after 4 or 5 you are alone from the person who takes your claim who could not get ahold of anyone to ask simple questions. To a claims rep that has terrible customer service skills who did not have the skills to sign her own letter. I WANT NOTHING FROM THEM NOT EVENING A APOLOGY just want my claim done in a reasonable time. Even the Revdex.com has the ability to upload to their site

Business

Response:

March 10, 2014

RE: Department File No. [redacted]

Complainant: [redacted]

Carrier: QBE Insurance Corporation

NAIC No.: [redacted]

Claim Number: [redacted]

Date of Loss: 01/31/2014

Type of Loss: Wind

Policy Number: [redacted]

Property Address: [redacted]

Dear Mr. [redacted]:

This letter is in response to the recent inquiry dated February 20, 2014 received in our office from the

California Department of Insurance (“Department”) on your behalf regarding concerns pertaining to the

handling of claim (number [redacted]). QBE FIRST Insurance Agency, Inc. is the program manager for this

insurance program, and is responding on behalf of QBE Insurance Corporation and its designated third party

administrator, QBE Americas, Inc.

This claim was reported to our office on Saturday February 1, 2014 as a result of rain leaking from your roof.

The call was taken by an after hours service so the details of that conversation is unknown. We were unable

to provide you with immediate assistance because our office was closed during this time. We have attempted

to contact you to gather details about your experience in reporting the claim but our messages have gone

unanswered.

The claim was assigned to Audrey [redacted] on Monday February 3, 2014. Telephone contact was made with

that same day and an acknowledgement of claim letter was sent on February 4, 2014.

The loss was inspected by Independent Adjuster [redacted] on February 4, 2014. Mr. [redacted] noted that

the ceiling drywall and a light fixture had been damaged due to a leak on the roof. Mr. [redacted] also noted

that no water mitigation or dry-down had been initiated. Additionally, Mr. [redacted] observed that the risk was

approximately 43 years old and the roof was showing advanced signs of aging. No wind/storm damage was

noted to the roof.

On February 17, 2014 we received a copy of the damage report from Mr. [redacted]. The damage report

indicated interior damage to the home and no damage noted to the roof. After reviewing the photos it was our

opinion that there was covered wind/storm damage to the roof.

On February 19, 2014 Audrey [redacted] discussed the Independent Adjuster’s findings with you. During that

conversation she informed you that we believed there was supplemental damage to your roof. You indicated

that you had obtained an estimate from [redacted] for the damage to his roof and agreed to send it in.

On February 19, 2014 a check was issued in the amount of $2199.77 for the interior damages to your home.

On February 24, 2014 we reviewed the estimate from [redacted] and issued an additional payment of

$2840.00.

[redacted] is the supervisor for the adjuster assigned to your claim. [redacted] left a message for you on March

5, 2014 requesting a call to discuss any additional questions or concerns you may have. We apologize for

the poor experience you had when reporting this claim. We would appreciate your call back so that we can

gather additional information regarding the lack of direction for emergency repairs following the loss.

If any additional questions should arise, please feel free to contact me directly

Sincerely,

Director of Property Claims

QBE North America

Direct: [redacted]

Email: [redacted]

Review: Breach of contract. my my home owners insurance is refusing to pay my claim.

I filed a claim on 1/22/15 with QBE (claim [redacted]) damage to my home. My home is not in a live able condition due to the damage. Because of the damage, I have had to rent a room for a week, and now living in hotel for the past couple of months, totaling 52 days to date and counting. provided 3 estimates ranging from 7800 to 19000' First contractor backed out stating bidder to low and could not do the job, 2nd est, 14,800 and the 3rd, 19'000. I was then told to choose a contractor so I did. After choosing the contractor. I receive an email from the adjuster. Will not approve, and stated for me pay for an appraiser which I refuse. As this is what I pay home owners insurance.

I have Sked repeatly for closer but can't ssem to get..

QBE sent out an a temp from another state to do a visual appraisal on the damage. I requested for a preferred general conractor and was refused, stating I would have to get my own. so I did. I provided 3 estimates, was told to choose one and they will work with the contractor, so I did. Now I am being told they will not approve any repairs, and requested that I pay for an appraiser at my expense but will not pay my claimDesired Settlement: To pay per contract loss of use

Business

Response:

Dear Ms. [redacted]:We are in receipt of your e-mail yesterday regarding the above referenced complaint.Attached is a copy of our response that was previously sent to Ms. [redacted] regardig the incident. Please note that she also filed a complaint with the California Department of Insurance about the claim. Should you require any additional information, please let us know.Thanks,[redacted]Claims Assistant ManagerPhone [redacted]

Review: QBE Insurance sold an auto insurance policy with collision coverage only - no liability insurance - in the state of Montana, which is illegal.Desired Settlement: QBE Insurance must stop selling collision coverage without liability coverage, as it is illegal in Montana for a driver to have collision coverage only. Offering collision alone implies legality. The desired outcome is that QBE would pay on my claim for liability coverage.

Business

Response:

Dear Revdex.com of San Diego, Orange and Imperial Counties:This letter is in response to the recent inquiry dated May 19, 2015, received in our office on behalf of[redacted] and her concerns pe1iaining to claim number [redacted] in connection with a collisionshe incurred with [redacted]. QBE FIRST Insurance Agency Inc. ("QBE FIRST") is the program managerfor this insurance program and is responding on behalf of QBE Insurance Corporation ("QBEIC") andits designated third party administrator QBE Americas, Inc.Wells Fargo Dealer Services ("WFDS") issued Ms. [redacted] a Collateral Protection Policy (the "Policy")through QBEIC to protect WFDS' interest in collateral securing a loan when a borrower did notmaintain or provide evidence of acceptable voluntary insurance on the collateral pursuant to the lendingagreement. When it is identified that evidence of acceptable insurance, on the collateral securing a loan,has not been maintained or received, insurance is placed under the Policy to property WFDS' interest inthe collateral. Typically, the borrower is sent prior notification requesting that they provide evidence ofceptable voluntary insurance on the collateral. The lender pays the premium and received all premiumrefunds for insurance issued under the Policy. The lender, WFDS, is the only named insured under thePolicy. Once evidence of other acceptable insurance is received, the collateral protection insurance iscancelled as of the effective date of the other insurance.A letter dated May 13, 2015, was sent to Ms. [redacted] advising that certificate number [redacted]was issued to Ms. [redacted] under a Collateral Protection Policy, and the coverage does not provideliability insurance. The letter further advised that the coverage does not provide Personal InjuryProtection or Uninsured Motorist coverage. As a result of the certificate exclusions, claim number,[redacted] was denied.QBEIC stands by its original decision based on policy language.We trust that this response fully addresses your concerns expressed in the Department's inquiry. If anyadditional questions should arise, please feel free to contact me directly at 800.[redacted], extension[redacted], Monday through Friday 8 am to 5 pm, Pacific.Sincerely,[redacted]Senior Compliance AnalystEscalated Complaints Department[redacted]@us.q be.comQBE FIRST

Review: 1/18/14 my neighbor’s pipe broke in her basement, which caused my basement to flood with over 8 inches of water. I contacted QBE and I did not receive a returned call until 1/23/14 which I was given the ok by [redacted] to start the cleanup. The adjuster came on 1/24/14 to access the damages, I asked about the house heater it has been sitting in water for over five days was inform I need a report from a repairman. On 1/25/14 I paid $75 to a repairman to come out and evaluate the house heater and was informed that the blower was damage and that it could not be fixed and needed to be replaced. The insurance company paid some of my claim, but they did not pay for several of my belongings such as my deep freezer, lost food, and several other items that including the house heater replacement. I hired a private claim adjuster to reevaluate my loss they contacted the insurance company rep. 8/14 we had a conversation with insurance rep. The insurance rep stated that he needed to send out another claim adjuster to the property. On 9/4/14 my claim adjuster, myself and the insurance adjuster viewed my property. The insurance adjuster requested that I get another report on the house heater to state what is wrong with it. I called someone and they came out that same day and paid $85 for them to tell me the same thing. Today 10/21/14, I found out that the insurance company rep stated that they were not issuing any more money for my damages. I spoke with the insurance rep he said even though the estimates stated that the blowers were damage and the wiring maybe moist, as long as the house heater came on he considered it working. The last repairman turned the gas off that went to the house heater because wires being subjected to moister could cause fire and with the gas going into the heater and the blower not working we could suffer from Carbon Monoxide poisoning. I have severe asthma and have an autistic child and we are unable to be comfortable due to no heat and mold.Desired Settlement: Request for my claim to be paid out for the property I lost and that need to be replace and cleaned up.

Business

Response:

November 3, 2014

Revdex.com of San Diego & Imperial Counties

4747 Viewridge Ave., Suite 200

San Diego, CA 92123

[redacted] [redacted] [redacted] [redacted] [redacted] [redacted]

Dear Ms. [redacted]:

We are in receipt of the above-referenced inquiry regarding the concerns pertaining to claim number

2[redacted]. Please be advised that QBE FIRST Insurance Agency, Inc. ("QBE FIRST'') is the

program manager and is responding on behalf of Praetorian Insurance Company ("Praetorian") and

its designated third party administrator, QBE North America.

On January 18, 2014, Ms. [redacted] reported a claim for water damage to the basement of the

residence. The loss was assigned to an adjuster who followed up with the insured on January 22,

2014 to discuss the damages and authorize mitigation of the water damage. We assigned an

independent adjuster to inspect the property and prepare a report of findings. The investigation

indicated the water came from the neighbor's residence; a pipe had frozen. On January 30, 2014, we

received a letter of representation from Aclaim Adjustment Agency directing all future

communication to their agency.

We contacted Aclaim Adjustment on February 2, 2014, to advise of the initial scope of damages to

the dwelling and the contents. The same date, payments were issued to the named insured and

Aclaim Adjustment for $1108.61 under Coverage A (Dwelling) and $4565.55 under Coverage C

(Personal Property). We received no further communication on the claim until April 16, 2014,

when the invoice for water mitigation was received. The same date, a payment of $4403.34 was

requested to the insured and Aclaim Adjustment. On May 19, 2014, we spoke with Aclaim

Adjustment regarding possible supplemental damages and we requested documentation of the same.

A follow up call with Aclaim Adjustment was made on June 4, 2014 to discuss the supplement and

request a report on the alleged water damage to the furnace.

Our named insured contacted us on August 18, 20 14 but as she was represented, we advised that we

were unable to discuss the matter with her without Aclaim Adjustment's permission or their

withdrawal of the claim handling. We attempted to follow up with Aclaim Adjustment by phone and

e-mail to discuss the communication from the named insured. On September 4, 2014, the residence

was reinspected with Aclaim Adjustment to address the discrepancies with the structure repairs and

contents damages. During the inspection, the pilot light for the furnace was on but after reviewing

the report from Guaranteed Plumbing indicating the controls for the unit were damaged, we issued a

payment, on October 1, 2014, for the replacement of the furnace in the amount of$3150.00

Since receiving the inquiry from the Revdex.com, we have followed up with Aclaim Adjustment requesting

a list of any outstanding items so we could set up another reinspection of the property to specifically

address these items. As of this date, we have not received the requested information.

If you have any questions concerning this matter, please feel free to contact us at ###-###-####.

Sincerely,

Director of Property Claims

QBE FIRST Insurance Agency, Inc. on behalf of Praetorian Insurance

Phone: ###-###-####

Email: [redacted]@us.gbe.com

Review: September 30, 2014This is the second letter and countless phone calls made to QBE Insurance Company about endorsing and releasing funds in order to make necessary repairs on my home. If repairs are not made in the near future, I will have to take actions for the mold that is now accumulating due to the roof damage from the tornado hail July 27, 2014. I have talked with several representatives from QBE and have been advised that QBE could do a quick endorsement on my Insurance check since it was barely over 10,000 (10,290). I have no problem in having inspections by QBE, Seterus or anyone else to prove the work has been completed however, I pay the house payment and the insurance payment and should have control in the decisions about repairs. I can get quality work for a lesser cost by paying cash and can make necessary repairs that may be needed elsewhere on my house. Although the roofs on my storage buildings were included in the adjusters report, they were not severely damaged and it was my decision not to replace at this time. Besides, QBE has absolutely no vested interest on mobile storage buildings. They are not financed through Seterus or insured through QBE! This is just ridiculous that QBE wants to deposit my money in an account that only QBE could regulate and disburse after tons of paperwork and phone calls that would be necessary! Loan [redacted]Desired Settlement: I just want them to sign the check so I can move forward with the repairs and stop jerking me around!

Business

Response:

Re: Your File#: CA [redacted]

Complainant: Company:

[redacted]f Tennessee

QBE Insurance Corporation, [redacted]

This letter will serve to acknowledge that we received your above referenced complaint in our

office on

October 3, 2014.

QBE is committed to providing its customers with high quality products and services. Your comments

are important to us in this process.

Your inquiry has been forwarded to an authorized person for a response to your request.

Sincerely,

QBE

Direct: [redacted]

Fax: 608.825.5899

E-mail: [redacted]

The WORST COMPANY ever. They are useless, they do nothing, they lie, they don't help. Had a fire in my home 1/2015 they received check from my insurance company & have held money 8 weeks with a different reason every time I call. contractors won't work because they have received no money, my family of 5 remains in a hotel on week 12 while Seterus does nothing but COLLECT INTEREST on MY money. Money that is owed to me to rebuild my home. They have caused stress & emotional damage. No one has returned a call, the same person is never available & every person that works has different info. THE WORST BUSINESS EVER. A SCAM, SHOULD BE SHUT DOWN