Thank you for sending the follow up to the complaint filed by [redacted], which we received on November 18, 2015. We understand that she would like additional clarification regarding the cancellation of her policy.As we stated in our previous response, we did not hear back from [redacted] regarding the change in her primary residence until October 14, 2015, which was after the policy had cancelled. Due to the lapse in coverage we are unable to reinstate the policy for the property located on [redacted].If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10575696, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
4/17/2015 1400 hrs - just received...
and read the response from IDS ameriprise on my complaint to the Revdex.com . I do not agree , and It is a lie and cover up and there were unethical practices and illegal activities that need to be addressed . On 3/19/2015 I was in the accident , and called my insurance to report it within days they responded and demanded that I GIVE THEM MY CAR from the garage ( email) Then they DEMANDED that I take $6644 for the car They DEMANDED I settle within 24 HRS or I get NOTHING .KNOWING I was Injured and on pain killers and muscle relaxers ( THEY PAID FOR THEM) trying to take advantage of someone in an altered state of mind... They lied to me telling me they got the value of my 2007 Lincoln [redacted] from [redacted] , and when I said I did the same from [redacted] and got higher they said NO NO we use [redacted] . In fine print on [redacted] site it clearly says THEY USE [redacted] . when I got mail from the insurance company on this issue it was dated 3/19/2015 and gave me 5 days to respond -- coming from Wis. and they mailed it out 3/22/2015 --- at least 5 days for delivery ... THEY KNEW IT WOULD NOT REACH ME TILL AFTER THIER SET DEADLINE ANYWAY . which is unethical at the least ... criminal in nature . the Entire time neither the insurance company nor I KNEW who the other party was . calling my bank and trying to FORCE them into signing a paper and send it back and then sending a check I NEVER OKED would be fraud , theft, unethical , and a few other crimes. sending people to the garage with a check in hand to TAKE my car -- was the same thing ... CRIMINAL and unethical , specially without my consent . this response says "we appreciate the opportunity to address his concerns " -- a lie They demanded I do , and then when I told them I was filing complaints with the Revdex.com , The state AG , Insurance commissioner , etc . they closed the file and said claim it with the other party . they had NO intention of doing anything other than trying to steal this car and screw me . The ysent me a copy of what the appaiser had filed or what they were going by - in this email file they said that the damages --- hood which was totally done - would cost $800 to replace , then in the back they said that prior hail damage to the hood would cost $1000 to repair . and the entire estimate was done this way ... I was told that the "prior hail damage " was "never " to be included .It had nothing to do with the accident or the damages from the accident and no bearing on the accident . yet the insurance company is trying to falsify legal documents and lie to make up money .... ?? filing false claims is ILLEGAL weather its a customer or the insurance company itself . If I was NOT at fault for this accident , then why punish me ? a 2007 Lincoln [redacted] - just a shell of the car - is how they ran the value when I ran it I ran it the right way and included all the options on the car - and that put this value up where I said . the letter states - "we followed up with Mr [redacted] on march 26 2015 to discuss the settlement further " another lie . the garage where the car went to after the accident was NOT of my choice , and that garage would not release the car to ME OR the Insurance company unless the bill was paid in full . I was not paying the bill , I didn't have the money and it was not my fault for the accident ... that would have fallen on the insurance Mine ( IDS Ameriprise or the at fault party [redacted] ) . But, the insurance guys Kept demanding I settle and I pay the garage . I told them .. YOU want the car out of the garage and not getting storage fees daily then pay the garage ... I will have it moved to my inlaws . which they said THEY WANTED THE CAR , and that went on for a few days , until they finally paid the garage and released it to me . and THE OUT OF POCKET EXPENSE $100 TO TOW IT THERE . which they refuse to pay ME . The letter says "we received an email from mr [redacted] on april 7 2015 demanding $38000 to settle his total loss claim ." "we sent our revised offer with supporting documentation to mr [redacted] " A lie never got a thing "we also explained that if he files his claim with us and does not agree with our evaluation he has the right to invoke the appraisal clause in the policy as way to resolve this difference " another lie . never explained a thing . I sent them emails and asked for paperwork and explanations , I talked to lawyers who sent me a letter to re copy and send them ... included in my letter ( written BY INSURANCE LAWYERS ) I said now you pissed me off by screwing with me , and now I am billing you for MY time and all my OUT OF POCKET expenses . My time is worth $1000 an Hour and late fees after 5 business days are $1M a day . My OUT OF POCKET expenses are a pair of pants destroyed in the accident , my vest $3000 that was cut by medical personel due to the accident , I cannot locate my dash cam or radar detector , nor my police scanner , all were in the car and now missing . OUT OF POCKET EXPENSE to replace . They sent me a little hand book that says "I cant sue them for anything " they sent me an email saying they are not responsible to pay me anything for out of pocket expenses . however , as I told them , I called [redacted] and [redacted] and talked to the attorney , who said " you have tort on your policy , full or limited " and explained "full tort means you can sue for pain and suffering Limited tort ( which we have ) you get ( GET ) paid wages lost to the accident , medical bills ( up to $5K by your insurance company and anything over goes to the other LIABLE insurance company - the [redacted]) and ANY AND ALL OUT OF POCKET EXPENSES . I asked for $30K for a new car - OUT OF MY POCKET EXPENSE my vehicle I traded in on the Lincoln was $2500 -- THATS AN OUT OF MY POCKET EXPENSE and I don't have a trade now I have 8 months of payments on the loan for the Lincoln at 172.58 or $ 1380.64 OUT OF POCKET I told them my wife took off work to take me to the drug store and the doctor and to theropy - losing wages and use of gas I told them they would be responsible for any and all legal fees , including my lawyer costs , court fees, filing fees , and any criminal charges and fines and costs .... THEY LAUGHED IT OFF . THEY SAID I WAS CRAZY and I DONT GET PAID ANY OUT OF POCKET EXPENSES . THEN WHY IS IT LAW TO HAVE TORT ON YOUR POLICY ? ( YOU MUST HAVE IT ) Mr [redacted] - property damage claims rep ( phone calls , emails ) Mr [redacted] - Total loss claims rep ( phone calls and emails )ms [redacted] - [redacted] (email ) mr [redacted] - ( called my house one time and would not talk to my wife just said "have him call me " I never did .) mr [redacted] - [redacted] auto claims ( Have NO clue who he is) No I do not agree or settle with a letter full of lies . these people have tried to intimidate me , bully me , tried to force me to do things , gave me time frames that were insane and not even existent , They tried to scam the bank and bully them into a settlement without my consent , they tried to bully the garage , They lied , they are committing fraud , theft , and scamming people .when you question them they run and hide and try and get rid of it - cover it up - hide it- change the claim # they falsified legal documents They try to file claims that are untrue Unethical practices I am not the only victim here , the Revdex.com and AG and others SHOULD be investigating and then go after the company for civil and criminal activities to protect the people , the consumers , who are forced to deal with insurance companies . Insurance companies are real quick to take the MILLIONS of dollars from the people and Invest it to make BILLIONS which is good business But when someone has a claim , to treat them like crap and lowball them and try to steal the car and leave the victim in a lower state is criminal .By the way - the [redacted] 1st offer was a lowball offer as well but it was $2000 higher than my own ins co. offer . ??? which leads to say , the car is worth more .... as I claimed it was . My bank stands behind me and told me , you have a loan on this Lincoln , and you have FULL coverage insurance . That means and the insurance company KNOWS that when the car is totaled they must at least satisfy the bank loan . They can NEVER under pay the loan . The garage told me that he has dealt with the insurance companies for over 30 years , and they always lowball offer you first . never heard of them trying so hard to steal a car ? also told me that there is "gap " insurance ... meaning that if they pay lower than your loan the bank has insurance on your loan (gap) that picks up the rest . the bank denied this of course . The lawyers told me the same things , they don't want to pay anything , and will fight to NOT pay. That's why there is courts , and state agencies and federal agencies set up , to knock on their door and tell them , hey what are you doing . to demand is illegal , to talk with you knowing your on medications is unethical and criminal , to try and intimidate you is criminal , to try and steal the car from the garage without your written consent was criminal , to try and connive the bank into taking a settlement without your written consent was criminal . need I say more ? They sent me emails to prove it all , from them, to me . they sent USmail as I said ... No , I wont let them off the hook , I sent them an email about the [redacted] and the offer they told me , the money and they said I was at 10% fault for the accident .I was NOT at any percent at fault , they said I never tried to avoid it , and said they concluded that by statements and impact .and I asked MY insurance IDS ameriprise WHAT they will or can do about it ( email ) and they NEVER responded . When you get in an accident , that's not your fault , you would think YOUR own insurance company would do anything to help you and not terrorize you or threaten you or screw you ? The Revdex.com needs to go back and do a complete investigation , find claims , like the irs - 7 yrs ... and see what the outcome was . did they handle it right ? did they forge documents / lie ? did they threaten ? Intimidate? etc .... then file appropriate actions and send copy to me , to the PAAG , PA ins commissioner , PA consumer protection agency , USAG , and any one else you see fit . I will be filing on the [redacted] insurance company as well . Thank you [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.
Hello Sir or Madam,Thank you so much for your quick response and instructions. My full name is [redacted], my mailing address is: [redacted], my email address is [redacted], my phone# ###-###-####Revdex.com complaint assigned ID [redacted].(claim# with Ameriprise Auto & Home Insurance Company [redacted])The business information:The business name is: Ameriprise Auto & Home Insurance CompanyBusiness mailing address is: IDS Property casualty Insurance Company �...⇄ />
...⇄ contacts: 1.Elizabeth [redacted]: [redacted] ([redacted]), Please insure to send the complaint to her. Thanks. 2. Juan [redacted]: [redacted] ###-###-#### extension [redacted] (claim# with Ameriprise Insurance Company [redacted])Dear Ms. [redacted], �...⇄ 10 2016Thank you again for sending the business response from Ameriprise Insurance Company. In regards to their response letter, this company has not shown enough honesty and good faith, they are using unfair practices in handling my auto claim. In their letter, they briefly mentioned what they unilaterally communicated to me, and have disregarded all the communications and instructions from me in the past three months. I have been trying to correct them about their false statement about moving the car to my residence. I have clearly given them instructions to move the vehicle to their storage as early as August 4, 2016 via phone calls, emails, and letters to a host of representativeswhich have been named below(please see below attachments).In addition, in their response letter, they said they are doing investigation and they assigned a vehicle reconstruction expert to examine my vehicle (even about four month ago, they had said that to me), but yesterday the mechanic-[redacted] told me that since the vehicle was towed to his repair shop on June 24 2016, there has been no personnel who has visited his shop to do the investigation in the past four and half month and so far I have not seen any progress about my claim. Furthermore the communication is extremely poor and often antagonistic. I have hardly received an update from them. I did not hear or receive updates unless I made the initial contact via phone calls or emails. I feel that Ameriprise is using a delay tactic in which I feel the word “ investigation” is just an excuse.Ameriprise Insurance Company’s unfair practices in handling my auto claim also reflected in another aspect of my claim. They have been trying so hard to correlate my previous damages to this claim, although all previous damages were properly repaired. They have asked me to provide previous repair receipts which occurred four to five years ago. I don’t think many people would keep these receipts for 4 or 5 years. Although this request doesnot make much sense, I have been trying so hard to cooperate to find receipts. Luckily I was able to find one of the three receipts that they requested, and currently attempting to locate the another two receipts.To my understanding, the reason they have been trying so hard to correlate the previous damages to this claim is that this is the most effective way to be able to reduce their payment to me and their other customers in different cases. This is unfair and a cheating practice without any honesty and good faith, which is against the common morality. With this kind of business practice concept, they might save some money from my individual claim, but it may really damage their company’s image and reputation, they will lose more business than that they have saved from my claim.In order to better understand their (Ameriprise Insurance Company) unfair practice and dictating position in handling my claim, I would like to tell some situations below that lead to my claim to be handled in an unfair practice.The truth is this; they sent me a letter dated August 2, 2016 (which is attached) claiming that I stated that I intended to move the vehicle to my home initially which isa falsestatement. They have mentioned since August 4, 2016 I should be responsible for the storage cost in the repair shop. As I indicated previously in the two complaint letters to Revdex.com, after I received their letter, I immediately protested by calling Diana [redacted] as early as August 4 2016 and protested again immediately afterwards with many other representatives such as Juan [redacted], Jeniffer [redacted], Jill [redacted] and Bill [redacted]. In addition, there was another unknown name [redacted] (please see below explanation for the conversation with this [redacted]) that was contacted via phone, email and letters (which are also attached below).In the past three months, I made corrections to each of them by telling them that I did not have the intension to move the car to my residence. I am not a mechanic, I do not have the skills of a mechanic therefore, I am not knowledgeable about repairing a damaged car. In addition, I do not have the space for storing a damaged car at home; I also clearly gave them instructions to move this vehicle to their choice of storage as soon as possible. Since Diana [redacted] initially communicated to me the above mentioned false statement over the phone on August 4 2016, this false statement started passing like a cascade among their representatives, it has been passing from one to another in the following order: Diana [redacted] -Juan Stanfford - above mentioned unknown [redacted]-Bill [redacted]- Aaron [redacted]. Everyone has been repeating the previous representative’s same false statement. Among them Diana [redacted] is the first person to create this false statement, Mr. Juan [redacted] is the second and key person who disregarded all the instructions from me via phone and email in the past four month. I have tried so hard to explain to him that I did not want to move the car to my home and asked him to move the car to his choice of storage.In the past four months, Juan [redacted] refused to do anything to move the car to their storage ( I was told Juan [redacted] is the key person to handle my claim), in the meantime he has passed on the above false statement to all representatives whoever has communicated to me in the past three months. Since the beginning, Juan [redacted] has been choosing to ignore all the instructions from me no matter by phone, emails or letters and he even simply refused my request to talk to his [redacted]. I have had a hard time understanding after communicating with so many different representatives on so many occasions to move this vehicle to their storage (since the beginning of the claim, I immediately gave them the instruction to move the car to their storage. Since then I have been continuing making the correction and giving them instructions to so many different representatives), they have chosen to ignore all these communications I have reported to them. In facing so much solid evidences including phone calls, emails and letters, they still have been so persistent and choose to ignore everything including laws. As I recall I spoke with their representatives on a recorded line and would like to know if they can check back to verify the conversation ( I have requested them to check the conversation since the beginning of the protest). I am asking them out of GOOD FAITH and HOPE that this claim to be handled with honesty. If they can provide me anything such as the recording of the conversations or emails that prove that I did intend to move the car to my home previously I would be more than happy to take full responsibility for the storage cost.On August 19 2016, the above mentioned unknown name [redacted] contacted me by phone and immediately took an accusatory tone and accused me of having previously unrepaired damage on my car. Then he told me that since I had said that I wanted to move the vehicle to my home, after August 4 2016, I would be responsible for the storage cost. After a lengthy protestation, he suddenly changed his words and agreed with what I explained to him that I never said that I wanted to move the vehicle to my residence and asked him to move the vehicle to their storage. He said that twice (quote) “you didn’t say that you wanted to move the vehicle to your residence”. I hardly believed my ears and asked him to repeat what he said, he immediately repeated it twice. I was totally overwhelmed by such a quick change of his opinion.Since filing the claim on June 24, 2016, it has been about four and half months, the communication is extremely poor and often antagonistic. I have yet to receive an update from them, in the fact that I have to contact them first before hearing anything.I would greatly appreciate it if you can assist me to get this problem solvedas soon as possible.Thank you for your time and effort in helping with this situation and I look forward to hearing from you.Best Regards.[redacted]Desired Outcome:1. Timely and fairly handle my claim and close it before the end of November 2016.2. Remove the vehicle from the repair shop immediately and pay all the storage cost to the owner of the repair shop ([redacted] in [redacted] California).3. Update the progress in a reasonable frequency.4. Explain why Mr. Juan [redacted] and other representatives have ignored all my previous instruction via phone and emails about remove the vehicle from the repair shop to his choice of storage.5. Provide evidence which I prove that I intended to move the vehicle to my residence. Please...⇄ the following letter (also attached) I received from Ameriprise Insurance Company on 8/2/2016 and the screen shots about the instructions to remove the vehicle to their storage I have given to Ameriprise Insurance Company via emails:Please review the following 6 emails I sent to Mr. Juan [redacted] and other representatives on different occasions previously to ask them to remove the vehicle from the repair shop to their choice of storage, all these emails were ignored, they only agree to pay for the storage from 7/19/2016 to 8/4/2016 (17 days), (please see the email below )The following 6 emails are from my screen shots, they were sent to Mr. Juan [redacted] on different occasions:Note: On 10/4/2016 this is the first time I had Mr. Juan [redacted]’s email by asking him to provide it to me, before this date we always communicated over the phone (over the phone, many times I have asked him to move the vehicle to their storage, but he did nothing as day.From: Complaints Mailbox <[redacted]>To: [redacted] Sent: Friday, November 11, 2016 10:32 AMSubject: ComplaintHello Sir or Madam,If you would like to submit your complaint you can send it to this email. Please include the Business name,full mailing address,phone number and You full name and address.On Fri, 11 Nov at 12:09 PM , [redacted] <[redacted]> wrote: This email to for Ms. [redacted] or whoever is in charge of the complaints:I have been trying to file online complaint, but failed due to the server is down yesterday and today, could you please give me some instruction or confirm that this is due to the problem of your Revdex.com online server or other problem. Thank you so much in advance.Best regards.[redacted]
Regards,
[redacted]
Thank you for sending the complaint filed by Mr. [redacted], which we received on October 17, 2016. Weunderstand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.As to the bankruptcy, whether it was filed or not, it is a document that shows what he was going to file.We have no way of knowing what his intentions were when he submitted the doc, or after. What it doesshow is what he was going to claim as assets.With regard to the manner in which he purchases his items. Mr. [redacted] could not support any otherpurchases as he stated he paid cash. He stated that he pays cash for everything. The cash payments arenot supported by bank statements that show he uses credit/debit cards on a regular basis. Something hestated he does not do.Mr. [redacted] has misrepresented material information in the investigation of his claim, and we havetherefore denied his claim.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Ms. [redacted], which we received on September 22,2015. We understand that she would like her non-sufficient fund fees refunded. We appreciate theopportunity to address her concerns.On July 30, 2015, Ms. [redacted] requested a homeowner's quote for her...
property located at [redacted]
[redacted], [redacted]. We verified Ms. [redacted] wanted the policy to be effective for September13,2015, and on preauthorized withdrawal for billing. Ms. [redacted] agreed. Since receiving hercomplaint, we have reviewed the initial phone call, and Ms. [redacted] did agree to purchase the policy.On July 31, 2015, we mailed Ms. [redacted] her information regarding the new policy along with apreauthorized withdrawal notice informing her we would be withdrawing $64.45 from her checkingaccount on September 13, 2015.We did not hear from Ms. [redacted] between July 31,2015 and September 16, 2015. Ms. [redacted] contactedus on September 16, 2015, to inform us she did not want our policy and requested the cancellation of it.Ms. [redacted] requested reimbursement of her nonsufficient fund fees.We provided the appropriate documentation informing Ms. [redacted] we would be withdrawing the paymentfrom her checking account on September 13, 2015; therefore, we will not be reimbursing hernonsufficient fund fees.
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 company. Even as they stayed, like they mentioned that I asked hypothetical questions, I called that day and went through the policy coverages with their representitive. This was the call which I verified coverages like any customer can do to make sure each thing I specifically asked was covered. If 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]
Thank you for sending the complaint filed by Ms. [redacted], which we received on November 4,2015. We understand that she would like a more detailed explanation of why the policy was not renewed .We appreciate the opportunity to address her concerns.Ms. [redacted]'s policy was not renewed on...
October 28,2015, due to a material increase in liability risk aswe were unable to complete the interior electrical, heating and plumbing inspection of the home. Thisinspection was ordered to confirm that all major systems in the home were free of defects and in safeoperating condition since the home is 95 years old.Over the course of a year, a total of three different inspections were ordered. Each inspector made threeattempts to make an appointment with Ms. [redacted]. All nine of the attempts to reach her to schedule theinspection were unsuccessful.In compliance with the non-renewal notification timeframe, notice of the policy's non-renewal wasmailed to Ms. [redacted] on August 25, 2015 . This notice advised we would continue the policy if theinterior inspection of the home was completed prior to the policy expiration date.In effort to try and resolve the complaint directly with Ms. [redacted], we placed two additional calls. Wehave exchanged messages and are working with her to confirm ifthere have been any updates to theinterior electrical, heating or plumbing systems, and the year those updates were completed. Providedthat these systems meet our guidelines and there have been no losses, Ms. [redacted]'s policy will bereinstated without a lapse in coverage.If you have any questions about this information, you may contact me at I ###-###-#### , Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on April 20, 2015.We understand that he has some questions regarding the reporting of his 2011 home claim. We appreciatethe opportunity to address his concerns.When this loss was reported on December 13, 2011, there...
were two named insureds on the policy:[redacted] and [redacted]. We are unaware of why any records would overlap with those of ourinsureds' relative.For proper review and remedy, we suggest that Mr. [redacted] contact [redacted] at ###-###-#### asthey track claims reporting. Upon Mr. [redacted]'s request, [redacted] will forward us their report record ofthis claim to confirm information accuracy.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].
On October 11, 2016, we received a copy of the complaint you filed with the Revdex.com. Weunderstand that you feel there was a delay processing your claim. We appreciate the opportunity toaddress your concerns.An assignment for your repair estimate and photos was sent to [redacted]...
[redacted] on August 23, 2016. Wecalled [redacted] on September 23rd, September 29th, and October 10th requesting they provide usthe estimate and photos for your vehicle. To date, we have not received the requested documents. Avoicemail was left for you today, October 11, 2016, inquiring if you would like us to continue to requestthe documents from [redacted] or have another shop process the estimate and photos. Please adviseus on how you would like to proceed.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on February 6,2015. We understand that he would like additional information regarding his policy premium. Weappreciate the opportunity to address his concems.Mr. [redacted] received a quote for auto and home insurance...
policies on February 4, 20 14. We providedpremium amounts for auto and home policies separately. Mr. [redacted] requested a total monthly premiumfor both auto and home so he could compare our price to what he was currently paying. We said it wouldbe $93.05.We went on to explain that we bill differently than his current insurance company. They bill 12 monthlypayments for home insurance and 6 monthly payments for auto insurance. Our company bills 11 monthlypayments for home policies and 5 monthly payments for auto policies.In other words, our premiwn did not change from what was quoted; instead, how we divide up thepayments is different than his previous company.After receiving complaint, I called Mr. [redacted] and reviewed the billing. He said he did recall that ouragent discussed our billing process, and he acknowledged that the actual policy premium amount did notchange from what was originally quoted and sold to him.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on November 11,2014.We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.We received the notice ofloss from Mr. [redacted] on August 1,2014, with a reported...
loss date of May 22,2014. We assigned [redacted]) to contact Mr. [redacted] and to complete an inspection, which took placeon August 6, 20 14.[redacted] found damage to the front slope of roofing, the left elevation siding and downspout, the rightelevation siding, and drywall in the master bedroom. They submitted a repair estimate in the amount of$7,998.53, and we issued payment to Mr. [redacted] on September 3, 2014.We received an estimate from Mr. [redacted] 's contractor, [redacted], for a full roof replacementtotaling $11 ,168.66. Once we complete our review of the estimate, we will contact [redacted] toattempt to reach an agreed price and scope of repairs.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on December 4, 2014.We understand that he feels there was a delay in our providing the dealership with information necessaryto release a new vehicle to him. We appreciate the opportunity to address his concerns.On...
December I, 2014, Mr. [redacted] added a 2014 Dodge Caravan to his policy effective for November 29,2014. He stated the dealer would fax us a copy of the RMVI form required to release the vehicle. Laterthat day, we received the RMV I form and discovered the dealer was located in [redacted], not[redacted]. The [redacted] Registry of Motor Vehicles requires a completed RMV I form in orderto register a vehicle in the state. When a vehicle is purchased outside of [redacted], the Registry willnot accept a faxed copy of the RMVI fonn for vehicle registration.We left a message for the insured indicating that we would need the dealer to mail or overnight us theRMV I form, and to inc**de an overnight return envelope with it to expedite its return. Ms. **, Mr. [redacted]'swife, returned our call and we reiterated the information.On December 2, 2014, the dealership emailed us the RMV I form. We responded stating we were unableto electronically complete the fonn, and that they need to overnight the original fonn to us. We also calledthe dealer and left a message with this information.On December 3,2014, the dealer called to verify if we returned the RMV I form. We inadvertently statedthat it was mailed when, in fact, it was not. We also spoke with Ms. **, and also mistakenly infonned herthat we mailed the RMVI form to the dealership.On December 4,2014, Mr. [redacted] called and expressed concern over our inability to fax the RMVI form tothe dealer. We informed the dealer that the [redacted] Registry of Motor Vehicles requires theoriginal RMVI form, and we again asked them to overnight the form to us along with a paid overnightreturn envelope. However, since we misinformed the dealership and our insured about the form status, wechose to download an appropriate RMVI form, complete it, and send it overnight to the dealership at ourexpense.On December 6,2014, we informed Mr. [redacted] that we completed the form and sent it by overnight mail tothe dealer on December 4,2014. He stated the dealer had not received it.Mr. [redacted] followed up on December 8, 2014, and we contacted UPS to verify when the package wasdelivered. We provided Mr. [redacted] with the tracking number, and UPS confirmed it was delivered to thedealership on December 5, 2014 at 10:00 a.m. Later that day, we received the copy of the RMVI formfrom the dealer, which we filled out and returned to them by overnight mail.On December 9,2014, Ms. ** informed us that the dealer did not receive the form. We provided her withthe tracking number for the second overnight package and asked her to contact the dealer with thatinfonnatiol1.On December 10, 2014, we left a message for Mr. [redacted] to contact us so we could confll1n that the dealerreceived the RMV 1 form, and that he was able to pick up his vehicle. To date, we have not received areturn call.We are truly sorry for the frustration our inadveltent oversight caused Mr. [redacted], and regret that theprocess for finalizing the RMV I form took longer than anticipated. It is always our intention to efficientlycomplete all transactions on behalf of our insured and to handle our customers with care. We regret thatwe failed to meet Mr. [redacted]'s expectations.If you have any questions about this infornation, you may contact me at I ###-###-####, Ext. ####.
Dear Mr. [redacted]:Thank you for sending the complaint filed by Ms. [redacted], which we received on January 22,2016. We appreciate the opportunity to address her concerns and believe the following timeline will helpprovide clarification.• On September 14, 2014, we mailed a new renters policy...
packet, which included a declaration page forthe term of September 27, 2014 to September 27, 2015. The named insureds on the policy were Ms.[redacted] and Ms. [redacted].• On August 14, 2015, we mailed a renewal packet that included a declarations page for the term ofSeptember 27, 2015 to September 27, 2016. The named insureds on the policy were still Ms. [redacted]and Ms. [redacted].• On October 8, 2015, Ms. [redacted] called to remove herself from the policy due to a divorce. We maileda declaration page to the address on file explaining a change had been made to the policy as well aspremium information.• On October 16, 2015, we called and left a voicemail for Ms. [redacted] to ask for Ms. [redacted]’s contactinformation.• On October 29, 2015, Ms. [redacted] called back and stated she did not have Ms. [redacted]’s contactinformation – and to the best of her knowledge, she believed that Ms. [redacted] still lived at theaddress on file.• On November 12, 2015, we mailed a notice of pending cancellation to the address on file explainingthat if the premium payment was not made by November 27, 2015, the policy would cancel for nonpayment.• On December 3, 2015 a letter of cancellation and billing notification were mailed to explain thepolicy had cancelled on November 27, 2015.• January 4, 2016, a second billing notification was mailed for the outstanding balance of $38.28.• On January 11, 2016, Ms. [redacted] called to ask why the policy had cancelled. We explained that itwas due to the non-payment of premium. We said we would backdate the effective date ofcancellation by 90 days if she could provide proof of insurance on the property. Mr. [redacted]declined and made payment for the outstanding balance due.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Dear Mr. [redacted]:Thank you for sending the complaint filed by Mr. [redacted], which we received on March 3, 2016. We understand that he would like additional information about the cancellation and billing on his policy. We appreciate the opportunity to address his concerns and feel the following...
timeline will help provide clarity.• On August 11, 2013, Mr. [redacted] started his automobile insurance policy. He elected an automated billing method that would charge his full six-month premium upon his renewal dates. Each renewal, a billing notice was sent along with his paperwork confirming that this was his billing method and when the charge would occur.• On May 29, 2015, we mailed Mr. [redacted] his August 11, 2015 renewal paperwork. Included in his renewal paperwork was a credit charge card notice indicating that we would be charging $877.62 for his August 11, 2015 through February 11, 2016 term on August 11, 2015.• On August 11, 2015, we charged $877.62 to Mr. [redacted]’s credit card, but we received a decline for the payment.• On August 12, 2015, we mailed Mr. [redacted] a notice of pending cancellation indicating that his automobile policy was set to cancel as of 12:01a.m. on August 27, 2015 for non-payment of premium.• On August 13, 2015, we placed an automated call to the phone number on file advising that there had been a payment reversal.• On August 27, 2015, Mr. [redacted]’s automobile policy cancelled for non-payment of premium.• On September 2, 2015, we mailed a cancellation letter. The letter included a bill for the $76.34 outstanding balance for the coverage we provided from August 11, 2015 through August 27, 2015. On this notice, we indicated that if we did not receive payment, Mr. [redacted] would be contacted by our collection agency.• On October 2, 2015, we mailed Mr. [redacted] another billing notice for $76.34.• On October 27, 2015, we mailed Mr. [redacted] a final reminder notice for $76.34.• On March 1, 2016, Mr. [redacted] contacted us to ask why his policy had not been cancelled as of August 11, 2015. We indicated that his policy had been set to automatically renew since its inception, and if we are not advised of the desire to cancel, we continue to renew it.If Mr. [redacted] would like us to backdate cancellation of his automobile policy, he simply needs to provide proof that he had other insurance on the dates in question. We will accept a declaration page from his current insurance company. He may send his information using one of the following options:• Fax: ###-###-#### (Attn: Policy [redacted])• Email: [redacted]• Mailing Address: Ameriprise Auto & Home Insurance P.O. Box 19054Green Bay, WI 54307-9054Once we receive that declaration page, we will review the dates and coverage to determine if a refund is warranted.If you have any questions about this information, you may contact me at ###-###-####, Ext. 5994.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Thank you for sending the complaint filed by Mr. [redacted], which we received on July 31, 2015.We understand that he would like his homeowners insurance policy cancelled effective March 9, 2015,and a premium refund. We appreciate the opportunity to address his concerns.If Mr. [redacted] can...
provide closing papers showing he sold his home on March 9, 2015, we will considerbackdating the cancellation and providing an additional refund. We contacted Mr. [redacted] today andinformed him of the same.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [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 complaint [redacted], which we received on May 18, 2015. We understand that theclaimant disagrees with our decision regarding the claim. We appreciate the opportunity to address hisconcerns.On May 21, 2015, we spoke with this claimant about this home liability claim. We explained...
that we arestill investigating this claim and no decision has been made. A contractor will be sent to investigate thecause of the water damage to his unit. We will determine whether or not our insured is negligent for thewater loss as soon as we have completed our investigation.
Thank you for sending the complaint filed by Mr. Hector [redacted], which we received on October 24,2016. We understand that he would like a more detailed explanation of why coverage was not offered.We appreciate the opportunity to address his concerns.On September 30, 2016, Mr. [redacted] received a...
quote for auto insurance with 50/100 bodily injury limitswith a premium of $1048.48. Due to the driver-to-vehicle ratio (2 drivers with 4 vehicles), we asked Mr.[redacted] to complete an application so our Underwriting department could review it. We received theapplication back on October 10, 2016.On October 11, 2016, our Underwriting department requested missing information and inquired abouttwo additional household members, April [redacted] and Crystal [redacted]. Mr. [redacted] stated that Apriland Crystal are his daughters, who live in the household but have their own vehicles and insurance. Ourunderwriting guidelines require proof of insurance with matching liabilities for both daughters. The proofof insurance we received from Mr. [redacted] shows both daughters have the minimum 15/30 bodily injuryliability coverage, which doesn’t match his requested 50/100 coverage.On October 20, 2016, we contacted Mr. [redacted] by email, giving him two options: to add his daughtersas active drivers to his policy or have his policy match their 15/30 liability. Mr. [redacted] requested bothquotes: one adding both daughters and their vehicles and another with matching coverage of 15/30.Adding both daughters with six vehicles on the policy would increase the premium from $1048 to$2356.22. If he lowered his coverage to 15/30, the premium would be $852.48. He said that he would gowith the option with the $852.48 premium. Then, we re-verified driver assignments on the currentvehicles with Mr. [redacted], after which Mr. [redacted] ended the email conversation. We weren’t able toexplain that his premium would increase to $1,047.48 because of the clarification of the driverassignments; and, therefore, we were unable to bind the policy. On October 28, 2016, we tried again tocontact him to advise him of the change in premium, but did not receive a response.On October 29, 2016, we contacted Mr. [redacted] again, and he declined the insurance.
Thank you for sending the complaint filed by Mr. Eric [redacted], which we received on January 15, 2016.We understand that he would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address his concerns.We are unable to continue to offer Mr. [redacted] a...
policy because his vehicle is not garaged at a permanentaddress. Because we are unable to adequately rate for and underwrite this exposure, we cannot continuecoverage.We acknowledge that this must be frustrating for Mr. [redacted], and we are truly sorry we are unable tooffer him coverage. Regrettably, we are unable to change our decision after reviewing this situation asecond time.If you have any questions about this information, you may contact me at ###-###-####.
Thank you for sending the complaint filed by Mr. [redacted], which we received on June 30, 2016. We understand that he disagrees with our decision regarding the claim. We 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 term. This 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 time. Mr. [redacted]’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:13. Accidental Discharge or Overflow of Water or Steama. This 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.b. This 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 14 days or more.c. In 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.d. Section I Exclusions 3. Water Damage, Paragraphs a. and c. that 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 ###-###-####, Ext. 3024.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Thank you for sending the follow up to the complaint filed by [redacted], which we received on November 18, 2015. We understand that she would like additional clarification regarding the cancellation of her policy.As we stated in our previous response, we did not hear back from [redacted] regarding the change in her primary residence until October 14, 2015, which was after the policy had cancelled. Due to the lapse in coverage we are unable to reinstate the policy for the property located on [redacted].If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10575696, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
4/17/2015 1400 hrs - just received...
and read the response from IDS ameriprise on my complaint to the Revdex.com . I do not agree , and It is a lie and cover up and there were unethical practices and illegal activities that need to be addressed . On 3/19/2015 I was in the accident , and called my insurance to report it within days they responded and demanded that I GIVE THEM MY CAR from the garage ( email) Then they DEMANDED that I take $6644 for the car They DEMANDED I settle within 24 HRS or I get NOTHING .KNOWING I was Injured and on pain killers and muscle relaxers ( THEY PAID FOR THEM) trying to take advantage of someone in an altered state of mind... They lied to me telling me they got the value of my 2007 Lincoln [redacted] from [redacted] , and when I said I did the same from [redacted] and got higher they said NO NO we use [redacted] . In fine print on [redacted] site it clearly says THEY USE [redacted] . when I got mail from the insurance company on this issue it was dated 3/19/2015 and gave me 5 days to respond -- coming from Wis. and they mailed it out 3/22/2015 --- at least 5 days for delivery ... THEY KNEW IT WOULD NOT REACH ME TILL AFTER THIER SET DEADLINE ANYWAY . which is unethical at the least ... criminal in nature . the Entire time neither the insurance company nor I KNEW who the other party was . calling my bank and trying to FORCE them into signing a paper and send it back and then sending a check I NEVER OKED would be fraud , theft, unethical , and a few other crimes. sending people to the garage with a check in hand to TAKE my car -- was the same thing ... CRIMINAL and unethical , specially without my consent . this response says "we appreciate the opportunity to address his concerns " -- a lie They demanded I do , and then when I told them I was filing complaints with the Revdex.com , The state AG , Insurance commissioner , etc . they closed the file and said claim it with the other party . they had NO intention of doing anything other than trying to steal this car and screw me . The ysent me a copy of what the appaiser had filed or what they were going by - in this email file they said that the damages --- hood which was totally done - would cost $800 to replace , then in the back they said that prior hail damage to the hood would cost $1000 to repair . and the entire estimate was done this way ... I was told that the "prior hail damage " was "never " to be included .It had nothing to do with the accident or the damages from the accident and no bearing on the accident . yet the insurance company is trying to falsify legal documents and lie to make up money .... ?? filing false claims is ILLEGAL weather its a customer or the insurance company itself . If I was NOT at fault for this accident , then why punish me ? a 2007 Lincoln [redacted] - just a shell of the car - is how they ran the value when I ran it I ran it the right way and included all the options on the car - and that put this value up where I said . the letter states - "we followed up with Mr [redacted] on march 26 2015 to discuss the settlement further " another lie . the garage where the car went to after the accident was NOT of my choice , and that garage would not release the car to ME OR the Insurance company unless the bill was paid in full . I was not paying the bill , I didn't have the money and it was not my fault for the accident ... that would have fallen on the insurance Mine ( IDS Ameriprise or the at fault party [redacted] ) . But, the insurance guys Kept demanding I settle and I pay the garage . I told them .. YOU want the car out of the garage and not getting storage fees daily then pay the garage ... I will have it moved to my inlaws . which they said THEY WANTED THE CAR , and that went on for a few days , until they finally paid the garage and released it to me . and THE OUT OF POCKET EXPENSE $100 TO TOW IT THERE . which they refuse to pay ME . The letter says "we received an email from mr [redacted] on april 7 2015 demanding $38000 to settle his total loss claim ." "we sent our revised offer with supporting documentation to mr [redacted] " A lie never got a thing "we also explained that if he files his claim with us and does not agree with our evaluation he has the right to invoke the appraisal clause in the policy as way to resolve this difference " another lie . never explained a thing . I sent them emails and asked for paperwork and explanations , I talked to lawyers who sent me a letter to re copy and send them ... included in my letter ( written BY INSURANCE LAWYERS ) I said now you pissed me off by screwing with me , and now I am billing you for MY time and all my OUT OF POCKET expenses . My time is worth $1000 an Hour and late fees after 5 business days are $1M a day . My OUT OF POCKET expenses are a pair of pants destroyed in the accident , my vest $3000 that was cut by medical personel due to the accident , I cannot locate my dash cam or radar detector , nor my police scanner , all were in the car and now missing . OUT OF POCKET EXPENSE to replace . They sent me a little hand book that says "I cant sue them for anything " they sent me an email saying they are not responsible to pay me anything for out of pocket expenses . however , as I told them , I called [redacted] and [redacted] and talked to the attorney , who said " you have tort on your policy , full or limited " and explained "full tort means you can sue for pain and suffering Limited tort ( which we have ) you get ( GET ) paid wages lost to the accident , medical bills ( up to $5K by your insurance company and anything over goes to the other LIABLE insurance company - the [redacted]) and ANY AND ALL OUT OF POCKET EXPENSES . I asked for $30K for a new car - OUT OF MY POCKET EXPENSE my vehicle I traded in on the Lincoln was $2500 -- THATS AN OUT OF MY POCKET EXPENSE and I don't have a trade now I have 8 months of payments on the loan for the Lincoln at 172.58 or $ 1380.64 OUT OF POCKET I told them my wife took off work to take me to the drug store and the doctor and to theropy - losing wages and use of gas I told them they would be responsible for any and all legal fees , including my lawyer costs , court fees, filing fees , and any criminal charges and fines and costs .... THEY LAUGHED IT OFF . THEY SAID I WAS CRAZY and I DONT GET PAID ANY OUT OF POCKET EXPENSES . THEN WHY IS IT LAW TO HAVE TORT ON YOUR POLICY ? ( YOU MUST HAVE IT ) Mr [redacted] - property damage claims rep ( phone calls , emails ) Mr [redacted] - Total loss claims rep ( phone calls and emails )ms [redacted] - [redacted] (email ) mr [redacted] - ( called my house one time and would not talk to my wife just said "have him call me " I never did .) mr [redacted] - [redacted] auto claims ( Have NO clue who he is) No I do not agree or settle with a letter full of lies . these people have tried to intimidate me , bully me , tried to force me to do things , gave me time frames that were insane and not even existent , They tried to scam the bank and bully them into a settlement without my consent , they tried to bully the garage , They lied , they are committing fraud , theft , and scamming people .when you question them they run and hide and try and get rid of it - cover it up - hide it- change the claim # they falsified legal documents They try to file claims that are untrue Unethical practices I am not the only victim here , the Revdex.com and AG and others SHOULD be investigating and then go after the company for civil and criminal activities to protect the people , the consumers , who are forced to deal with insurance companies . Insurance companies are real quick to take the MILLIONS of dollars from the people and Invest it to make BILLIONS which is good business But when someone has a claim , to treat them like crap and lowball them and try to steal the car and leave the victim in a lower state is criminal .By the way - the [redacted] 1st offer was a lowball offer as well but it was $2000 higher than my own ins co. offer . ??? which leads to say , the car is worth more .... as I claimed it was . My bank stands behind me and told me , you have a loan on this Lincoln , and you have FULL coverage insurance . That means and the insurance company KNOWS that when the car is totaled they must at least satisfy the bank loan . They can NEVER under pay the loan . The garage told me that he has dealt with the insurance companies for over 30 years , and they always lowball offer you first . never heard of them trying so hard to steal a car ? also told me that there is "gap " insurance ... meaning that if they pay lower than your loan the bank has insurance on your loan (gap) that picks up the rest . the bank denied this of course . The lawyers told me the same things , they don't want to pay anything , and will fight to NOT pay. That's why there is courts , and state agencies and federal agencies set up , to knock on their door and tell them , hey what are you doing . to demand is illegal , to talk with you knowing your on medications is unethical and criminal , to try and intimidate you is criminal , to try and steal the car from the garage without your written consent was criminal , to try and connive the bank into taking a settlement without your written consent was criminal . need I say more ? They sent me emails to prove it all , from them, to me . they sent USmail as I said ... No , I wont let them off the hook , I sent them an email about the [redacted] and the offer they told me , the money and they said I was at 10% fault for the accident .I was NOT at any percent at fault , they said I never tried to avoid it , and said they concluded that by statements and impact .and I asked MY insurance IDS ameriprise WHAT they will or can do about it ( email ) and they NEVER responded . When you get in an accident , that's not your fault , you would think YOUR own insurance company would do anything to help you and not terrorize you or threaten you or screw you ? The Revdex.com needs to go back and do a complete investigation , find claims , like the irs - 7 yrs ... and see what the outcome was . did they handle it right ? did they forge documents / lie ? did they threaten ? Intimidate? etc .... then file appropriate actions and send copy to me , to the PAAG , PA ins commissioner , PA consumer protection agency , USAG , and any one else you see fit . I will be filing on the [redacted] insurance company as well . Thank you [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.
Hello Sir or Madam,Thank you so much for your quick response and instructions. My full name is [redacted], my mailing address is: [redacted], my email address is [redacted], my phone# ###-###-####Revdex.com complaint assigned ID [redacted].(claim# with Ameriprise Auto & Home Insurance Company [redacted])The business information:The business name is: Ameriprise Auto & Home Insurance CompanyBusiness mailing address is: IDS Property casualty Insurance Company �...⇄ /> ...⇄ contacts: 1.Elizabeth [redacted]: [redacted] ([redacted]), Please insure to send the complaint to her. Thanks. 2. Juan [redacted]: [redacted] ###-###-#### extension [redacted] (claim# with Ameriprise Insurance Company [redacted])Dear Ms. [redacted], �...⇄ 10 2016Thank you again for sending the business response from Ameriprise Insurance Company. In regards to their response letter, this company has not shown enough honesty and good faith, they are using unfair practices in handling my auto claim. In their letter, they briefly mentioned what they unilaterally communicated to me, and have disregarded all the communications and instructions from me in the past three months. I have been trying to correct them about their false statement about moving the car to my residence. I have clearly given them instructions to move the vehicle to their storage as early as August 4, 2016 via phone calls, emails, and letters to a host of representativeswhich have been named below(please see below attachments).In addition, in their response letter, they said they are doing investigation and they assigned a vehicle reconstruction expert to examine my vehicle (even about four month ago, they had said that to me), but yesterday the mechanic-[redacted] told me that since the vehicle was towed to his repair shop on June 24 2016, there has been no personnel who has visited his shop to do the investigation in the past four and half month and so far I have not seen any progress about my claim. Furthermore the communication is extremely poor and often antagonistic. I have hardly received an update from them. I did not hear or receive updates unless I made the initial contact via phone calls or emails. I feel that Ameriprise is using a delay tactic in which I feel the word “ investigation” is just an excuse.Ameriprise Insurance Company’s unfair practices in handling my auto claim also reflected in another aspect of my claim. They have been trying so hard to correlate my previous damages to this claim, although all previous damages were properly repaired. They have asked me to provide previous repair receipts which occurred four to five years ago. I don’t think many people would keep these receipts for 4 or 5 years. Although this request doesnot make much sense, I have been trying so hard to cooperate to find receipts. Luckily I was able to find one of the three receipts that they requested, and currently attempting to locate the another two receipts.To my understanding, the reason they have been trying so hard to correlate the previous damages to this claim is that this is the most effective way to be able to reduce their payment to me and their other customers in different cases. This is unfair and a cheating practice without any honesty and good faith, which is against the common morality. With this kind of business practice concept, they might save some money from my individual claim, but it may really damage their company’s image and reputation, they will lose more business than that they have saved from my claim.In order to better understand their (Ameriprise Insurance Company) unfair practice and dictating position in handling my claim, I would like to tell some situations below that lead to my claim to be handled in an unfair practice.The truth is this; they sent me a letter dated August 2, 2016 (which is attached) claiming that I stated that I intended to move the vehicle to my home initially which isa falsestatement. They have mentioned since August 4, 2016 I should be responsible for the storage cost in the repair shop. As I indicated previously in the two complaint letters to Revdex.com, after I received their letter, I immediately protested by calling Diana [redacted] as early as August 4 2016 and protested again immediately afterwards with many other representatives such as Juan [redacted], Jeniffer [redacted], Jill [redacted] and Bill [redacted]. In addition, there was another unknown name [redacted] (please see below explanation for the conversation with this [redacted]) that was contacted via phone, email and letters (which are also attached below).In the past three months, I made corrections to each of them by telling them that I did not have the intension to move the car to my residence. I am not a mechanic, I do not have the skills of a mechanic therefore, I am not knowledgeable about repairing a damaged car. In addition, I do not have the space for storing a damaged car at home; I also clearly gave them instructions to move this vehicle to their choice of storage as soon as possible. Since Diana [redacted] initially communicated to me the above mentioned false statement over the phone on August 4 2016, this false statement started passing like a cascade among their representatives, it has been passing from one to another in the following order: Diana [redacted] -Juan Stanfford - above mentioned unknown [redacted]-Bill [redacted]- Aaron [redacted]. Everyone has been repeating the previous representative’s same false statement. Among them Diana [redacted] is the first person to create this false statement, Mr. Juan [redacted] is the second and key person who disregarded all the instructions from me via phone and email in the past four month. I have tried so hard to explain to him that I did not want to move the car to my home and asked him to move the car to his choice of storage.In the past four months, Juan [redacted] refused to do anything to move the car to their storage ( I was told Juan [redacted] is the key person to handle my claim), in the meantime he has passed on the above false statement to all representatives whoever has communicated to me in the past three months. Since the beginning, Juan [redacted] has been choosing to ignore all the instructions from me no matter by phone, emails or letters and he even simply refused my request to talk to his [redacted]. I have had a hard time understanding after communicating with so many different representatives on so many occasions to move this vehicle to their storage (since the beginning of the claim, I immediately gave them the instruction to move the car to their storage. Since then I have been continuing making the correction and giving them instructions to so many different representatives), they have chosen to ignore all these communications I have reported to them. In facing so much solid evidences including phone calls, emails and letters, they still have been so persistent and choose to ignore everything including laws. As I recall I spoke with their representatives on a recorded line and would like to know if they can check back to verify the conversation ( I have requested them to check the conversation since the beginning of the protest). I am asking them out of GOOD FAITH and HOPE that this claim to be handled with honesty. If they can provide me anything such as the recording of the conversations or emails that prove that I did intend to move the car to my home previously I would be more than happy to take full responsibility for the storage cost.On August 19 2016, the above mentioned unknown name [redacted] contacted me by phone and immediately took an accusatory tone and accused me of having previously unrepaired damage on my car. Then he told me that since I had said that I wanted to move the vehicle to my home, after August 4 2016, I would be responsible for the storage cost. After a lengthy protestation, he suddenly changed his words and agreed with what I explained to him that I never said that I wanted to move the vehicle to my residence and asked him to move the vehicle to their storage. He said that twice (quote) “you didn’t say that you wanted to move the vehicle to your residence”. I hardly believed my ears and asked him to repeat what he said, he immediately repeated it twice. I was totally overwhelmed by such a quick change of his opinion.Since filing the claim on June 24, 2016, it has been about four and half months, the communication is extremely poor and often antagonistic. I have yet to receive an update from them, in the fact that I have to contact them first before hearing anything.I would greatly appreciate it if you can assist me to get this problem solvedas soon as possible.Thank you for your time and effort in helping with this situation and I look forward to hearing from you.Best Regards.[redacted]Desired Outcome:1. Timely and fairly handle my claim and close it before the end of November 2016.2. Remove the vehicle from the repair shop immediately and pay all the storage cost to the owner of the repair shop ([redacted] in [redacted] California).3. Update the progress in a reasonable frequency.4. Explain why Mr. Juan [redacted] and other representatives have ignored all my previous instruction via phone and emails about remove the vehicle from the repair shop to his choice of storage.5. Provide evidence which I prove that I intended to move the vehicle to my residence. Please...⇄ the following letter (also attached) I received from Ameriprise Insurance Company on 8/2/2016 and the screen shots about the instructions to remove the vehicle to their storage I have given to Ameriprise Insurance Company via emails:Please review the following 6 emails I sent to Mr. Juan [redacted] and other representatives on different occasions previously to ask them to remove the vehicle from the repair shop to their choice of storage, all these emails were ignored, they only agree to pay for the storage from 7/19/2016 to 8/4/2016 (17 days), (please see the email below )The following 6 emails are from my screen shots, they were sent to Mr. Juan [redacted] on different occasions:Note: On 10/4/2016 this is the first time I had Mr. Juan [redacted]’s email by asking him to provide it to me, before this date we always communicated over the phone (over the phone, many times I have asked him to move the vehicle to their storage, but he did nothing as day.From: Complaints Mailbox <[redacted]>To: [redacted] Sent: Friday, November 11, 2016 10:32 AMSubject: ComplaintHello Sir or Madam,If you would like to submit your complaint you can send it to this email. Please include the Business name,full mailing address,phone number and You full name and address.On Fri, 11 Nov at 12:09 PM , [redacted] <[redacted]> wrote: This email to for Ms. [redacted] or whoever is in charge of the complaints:I have been trying to file online complaint, but failed due to the server is down yesterday and today, could you please give me some instruction or confirm that this is due to the problem of your Revdex.com online server or other problem. Thank you so much in advance.Best regards.[redacted]
Regards,
[redacted]
Thank you for sending the complaint filed by Mr. [redacted], which we received on October 17, 2016. Weunderstand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.As to the bankruptcy, whether it was filed or not, it is a document that shows what he was going to file.We have no way of knowing what his intentions were when he submitted the doc, or after. What it doesshow is what he was going to claim as assets.With regard to the manner in which he purchases his items. Mr. [redacted] could not support any otherpurchases as he stated he paid cash. He stated that he pays cash for everything. The cash payments arenot supported by bank statements that show he uses credit/debit cards on a regular basis. Something hestated he does not do.Mr. [redacted] has misrepresented material information in the investigation of his claim, and we havetherefore denied his claim.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Ms. [redacted], which we received on September 22,2015. We understand that she would like her non-sufficient fund fees refunded. We appreciate theopportunity to address her concerns.On July 30, 2015, Ms. [redacted] requested a homeowner's quote for her...
property located at [redacted]
[redacted], [redacted]. We verified Ms. [redacted] wanted the policy to be effective for September13,2015, and on preauthorized withdrawal for billing. Ms. [redacted] agreed. Since receiving hercomplaint, we have reviewed the initial phone call, and Ms. [redacted] did agree to purchase the policy.On July 31, 2015, we mailed Ms. [redacted] her information regarding the new policy along with apreauthorized withdrawal notice informing her we would be withdrawing $64.45 from her checkingaccount on September 13, 2015.We did not hear from Ms. [redacted] between July 31,2015 and September 16, 2015. Ms. [redacted] contactedus on September 16, 2015, to inform us she did not want our policy and requested the cancellation of it.Ms. [redacted] requested reimbursement of her nonsufficient fund fees.We provided the appropriate documentation informing Ms. [redacted] we would be withdrawing the paymentfrom her checking account on September 13, 2015; therefore, we will not be reimbursing hernonsufficient fund fees.
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 company. Even as they stayed, like they mentioned that I asked hypothetical questions, I called that day and went through the policy coverages with their representitive. This was the call which I verified coverages like any customer can do to make sure each thing I specifically asked was covered. If 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]
Thank you for sending the complaint filed by Ms. [redacted], which we received on November 4,2015. We understand that she would like a more detailed explanation of why the policy was not renewed .We appreciate the opportunity to address her concerns.Ms. [redacted]'s policy was not renewed on...
October 28,2015, due to a material increase in liability risk aswe were unable to complete the interior electrical, heating and plumbing inspection of the home. Thisinspection was ordered to confirm that all major systems in the home were free of defects and in safeoperating condition since the home is 95 years old.Over the course of a year, a total of three different inspections were ordered. Each inspector made threeattempts to make an appointment with Ms. [redacted]. All nine of the attempts to reach her to schedule theinspection were unsuccessful.In compliance with the non-renewal notification timeframe, notice of the policy's non-renewal wasmailed to Ms. [redacted] on August 25, 2015 . This notice advised we would continue the policy if theinterior inspection of the home was completed prior to the policy expiration date.In effort to try and resolve the complaint directly with Ms. [redacted], we placed two additional calls. Wehave exchanged messages and are working with her to confirm ifthere have been any updates to theinterior electrical, heating or plumbing systems, and the year those updates were completed. Providedthat these systems meet our guidelines and there have been no losses, Ms. [redacted]'s policy will bereinstated without a lapse in coverage.If you have any questions about this information, you may contact me at I ###-###-#### , Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on April 20, 2015.We understand that he has some questions regarding the reporting of his 2011 home claim. We appreciatethe opportunity to address his concerns.When this loss was reported on December 13, 2011, there...
were two named insureds on the policy:[redacted] and [redacted]. We are unaware of why any records would overlap with those of ourinsureds' relative.For proper review and remedy, we suggest that Mr. [redacted] contact [redacted] at ###-###-#### asthey track claims reporting. Upon Mr. [redacted]'s request, [redacted] will forward us their report record ofthis claim to confirm information accuracy.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].
On October 11, 2016, we received a copy of the complaint you filed with the Revdex.com. Weunderstand that you feel there was a delay processing your claim. We appreciate the opportunity toaddress your concerns.An assignment for your repair estimate and photos was sent to [redacted]...
[redacted] on August 23, 2016. Wecalled [redacted] on September 23rd, September 29th, and October 10th requesting they provide usthe estimate and photos for your vehicle. To date, we have not received the requested documents. Avoicemail was left for you today, October 11, 2016, inquiring if you would like us to continue to requestthe documents from [redacted] or have another shop process the estimate and photos. Please adviseus on how you would like to proceed.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on February 6,2015. We understand that he would like additional information regarding his policy premium. Weappreciate the opportunity to address his concems.Mr. [redacted] received a quote for auto and home insurance...
policies on February 4, 20 14. We providedpremium amounts for auto and home policies separately. Mr. [redacted] requested a total monthly premiumfor both auto and home so he could compare our price to what he was currently paying. We said it wouldbe $93.05.We went on to explain that we bill differently than his current insurance company. They bill 12 monthlypayments for home insurance and 6 monthly payments for auto insurance. Our company bills 11 monthlypayments for home policies and 5 monthly payments for auto policies.In other words, our premiwn did not change from what was quoted; instead, how we divide up thepayments is different than his previous company.After receiving complaint, I called Mr. [redacted] and reviewed the billing. He said he did recall that ouragent discussed our billing process, and he acknowledged that the actual policy premium amount did notchange from what was originally quoted and sold to him.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on November 11,2014.We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.We received the notice ofloss from Mr. [redacted] on August 1,2014, with a reported...
loss date of May 22,2014. We assigned [redacted]) to contact Mr. [redacted] and to complete an inspection, which took placeon August 6, 20 14.[redacted] found damage to the front slope of roofing, the left elevation siding and downspout, the rightelevation siding, and drywall in the master bedroom. They submitted a repair estimate in the amount of$7,998.53, and we issued payment to Mr. [redacted] on September 3, 2014.We received an estimate from Mr. [redacted] 's contractor, [redacted], for a full roof replacementtotaling $11 ,168.66. Once we complete our review of the estimate, we will contact [redacted] toattempt to reach an agreed price and scope of repairs.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on December 4, 2014.We understand that he feels there was a delay in our providing the dealership with information necessaryto release a new vehicle to him. We appreciate the opportunity to address his concerns.On...
December I, 2014, Mr. [redacted] added a 2014 Dodge Caravan to his policy effective for November 29,2014. He stated the dealer would fax us a copy of the RMVI form required to release the vehicle. Laterthat day, we received the RMV I form and discovered the dealer was located in [redacted], not[redacted]. The [redacted] Registry of Motor Vehicles requires a completed RMV I form in orderto register a vehicle in the state. When a vehicle is purchased outside of [redacted], the Registry willnot accept a faxed copy of the RMVI fonn for vehicle registration.We left a message for the insured indicating that we would need the dealer to mail or overnight us theRMV I form, and to inc**de an overnight return envelope with it to expedite its return. Ms. **, Mr. [redacted]'swife, returned our call and we reiterated the information.On December 2, 2014, the dealership emailed us the RMV I form. We responded stating we were unableto electronically complete the fonn, and that they need to overnight the original fonn to us. We also calledthe dealer and left a message with this information.On December 3,2014, the dealer called to verify if we returned the RMV I form. We inadvertently statedthat it was mailed when, in fact, it was not. We also spoke with Ms. **, and also mistakenly infonned herthat we mailed the RMVI form to the dealership.On December 4,2014, Mr. [redacted] called and expressed concern over our inability to fax the RMVI form tothe dealer. We informed the dealer that the [redacted] Registry of Motor Vehicles requires theoriginal RMVI form, and we again asked them to overnight the form to us along with a paid overnightreturn envelope. However, since we misinformed the dealership and our insured about the form status, wechose to download an appropriate RMVI form, complete it, and send it overnight to the dealership at ourexpense.On December 6,2014, we informed Mr. [redacted] that we completed the form and sent it by overnight mail tothe dealer on December 4,2014. He stated the dealer had not received it.Mr. [redacted] followed up on December 8, 2014, and we contacted UPS to verify when the package wasdelivered. We provided Mr. [redacted] with the tracking number, and UPS confirmed it was delivered to thedealership on December 5, 2014 at 10:00 a.m. Later that day, we received the copy of the RMVI formfrom the dealer, which we filled out and returned to them by overnight mail.On December 9,2014, Ms. ** informed us that the dealer did not receive the form. We provided her withthe tracking number for the second overnight package and asked her to contact the dealer with thatinfonnatiol1.On December 10, 2014, we left a message for Mr. [redacted] to contact us so we could confll1n that the dealerreceived the RMV 1 form, and that he was able to pick up his vehicle. To date, we have not received areturn call.We are truly sorry for the frustration our inadveltent oversight caused Mr. [redacted], and regret that theprocess for finalizing the RMV I form took longer than anticipated. It is always our intention to efficientlycomplete all transactions on behalf of our insured and to handle our customers with care. We regret thatwe failed to meet Mr. [redacted]'s expectations.If you have any questions about this infornation, you may contact me at I ###-###-####, Ext. ####.
Dear Mr. [redacted]:Thank you for sending the complaint filed by Ms. [redacted], which we received on January 22,2016. We appreciate the opportunity to address her concerns and believe the following timeline will helpprovide clarification.• On September 14, 2014, we mailed a new renters policy...
packet, which included a declaration page forthe term of September 27, 2014 to September 27, 2015. The named insureds on the policy were Ms.[redacted] and Ms. [redacted].• On August 14, 2015, we mailed a renewal packet that included a declarations page for the term ofSeptember 27, 2015 to September 27, 2016. The named insureds on the policy were still Ms. [redacted]and Ms. [redacted].• On October 8, 2015, Ms. [redacted] called to remove herself from the policy due to a divorce. We maileda declaration page to the address on file explaining a change had been made to the policy as well aspremium information.• On October 16, 2015, we called and left a voicemail for Ms. [redacted] to ask for Ms. [redacted]’s contactinformation.• On October 29, 2015, Ms. [redacted] called back and stated she did not have Ms. [redacted]’s contactinformation – and to the best of her knowledge, she believed that Ms. [redacted] still lived at theaddress on file.• On November 12, 2015, we mailed a notice of pending cancellation to the address on file explainingthat if the premium payment was not made by November 27, 2015, the policy would cancel for nonpayment.• On December 3, 2015 a letter of cancellation and billing notification were mailed to explain thepolicy had cancelled on November 27, 2015.• January 4, 2016, a second billing notification was mailed for the outstanding balance of $38.28.• On January 11, 2016, Ms. [redacted] called to ask why the policy had cancelled. We explained that itwas due to the non-payment of premium. We said we would backdate the effective date ofcancellation by 90 days if she could provide proof of insurance on the property. Mr. [redacted]declined and made payment for the outstanding balance due.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Dear Mr. [redacted]:Thank you for sending the complaint filed by Mr. [redacted], which we received on March 3, 2016. We understand that he would like additional information about the cancellation and billing on his policy. We appreciate the opportunity to address his concerns and feel the following...
timeline will help provide clarity.• On August 11, 2013, Mr. [redacted] started his automobile insurance policy. He elected an automated billing method that would charge his full six-month premium upon his renewal dates. Each renewal, a billing notice was sent along with his paperwork confirming that this was his billing method and when the charge would occur.• On May 29, 2015, we mailed Mr. [redacted] his August 11, 2015 renewal paperwork. Included in his renewal paperwork was a credit charge card notice indicating that we would be charging $877.62 for his August 11, 2015 through February 11, 2016 term on August 11, 2015.• On August 11, 2015, we charged $877.62 to Mr. [redacted]’s credit card, but we received a decline for the payment.• On August 12, 2015, we mailed Mr. [redacted] a notice of pending cancellation indicating that his automobile policy was set to cancel as of 12:01a.m. on August 27, 2015 for non-payment of premium.• On August 13, 2015, we placed an automated call to the phone number on file advising that there had been a payment reversal.• On August 27, 2015, Mr. [redacted]’s automobile policy cancelled for non-payment of premium.• On September 2, 2015, we mailed a cancellation letter. The letter included a bill for the $76.34 outstanding balance for the coverage we provided from August 11, 2015 through August 27, 2015. On this notice, we indicated that if we did not receive payment, Mr. [redacted] would be contacted by our collection agency.• On October 2, 2015, we mailed Mr. [redacted] another billing notice for $76.34.• On October 27, 2015, we mailed Mr. [redacted] a final reminder notice for $76.34.• On March 1, 2016, Mr. [redacted] contacted us to ask why his policy had not been cancelled as of August 11, 2015. We indicated that his policy had been set to automatically renew since its inception, and if we are not advised of the desire to cancel, we continue to renew it.If Mr. [redacted] would like us to backdate cancellation of his automobile policy, he simply needs to provide proof that he had other insurance on the dates in question. We will accept a declaration page from his current insurance company. He may send his information using one of the following options:• Fax: ###-###-#### (Attn: Policy [redacted])• Email: [redacted]• Mailing Address: Ameriprise Auto & Home Insurance P.O. Box 19054Green Bay, WI 54307-9054Once we receive that declaration page, we will review the dates and coverage to determine if a refund is warranted.If you have any questions about this information, you may contact me at ###-###-####, Ext. 5994.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Thank you for sending the complaint filed by Mr. [redacted], which we received on July 31, 2015.We understand that he would like his homeowners insurance policy cancelled effective March 9, 2015,and a premium refund. We appreciate the opportunity to address his concerns.If Mr. [redacted] can...
provide closing papers showing he sold his home on March 9, 2015, we will considerbackdating the cancellation and providing an additional refund. We contacted Mr. [redacted] today andinformed him of the same.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [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,
[redacted]
Thank you for sending complaint [redacted], which we received on May 18, 2015. We understand that theclaimant disagrees with our decision regarding the claim. We appreciate the opportunity to address hisconcerns.On May 21, 2015, we spoke with this claimant about this home liability claim. We explained...
that we arestill investigating this claim and no decision has been made. A contractor will be sent to investigate thecause of the water damage to his unit. We will determine whether or not our insured is negligent for thewater loss as soon as we have completed our investigation.
Thank you for sending the complaint filed by Mr. Hector [redacted], which we received on October 24,2016. We understand that he would like a more detailed explanation of why coverage was not offered.We appreciate the opportunity to address his concerns.On September 30, 2016, Mr. [redacted] received a...
quote for auto insurance with 50/100 bodily injury limitswith a premium of $1048.48. Due to the driver-to-vehicle ratio (2 drivers with 4 vehicles), we asked Mr.[redacted] to complete an application so our Underwriting department could review it. We received theapplication back on October 10, 2016.On October 11, 2016, our Underwriting department requested missing information and inquired abouttwo additional household members, April [redacted] and Crystal [redacted]. Mr. [redacted] stated that Apriland Crystal are his daughters, who live in the household but have their own vehicles and insurance. Ourunderwriting guidelines require proof of insurance with matching liabilities for both daughters. The proofof insurance we received from Mr. [redacted] shows both daughters have the minimum 15/30 bodily injuryliability coverage, which doesn’t match his requested 50/100 coverage.On October 20, 2016, we contacted Mr. [redacted] by email, giving him two options: to add his daughtersas active drivers to his policy or have his policy match their 15/30 liability. Mr. [redacted] requested bothquotes: one adding both daughters and their vehicles and another with matching coverage of 15/30.Adding both daughters with six vehicles on the policy would increase the premium from $1048 to$2356.22. If he lowered his coverage to 15/30, the premium would be $852.48. He said that he would gowith the option with the $852.48 premium. Then, we re-verified driver assignments on the currentvehicles with Mr. [redacted], after which Mr. [redacted] ended the email conversation. We weren’t able toexplain that his premium would increase to $1,047.48 because of the clarification of the driverassignments; and, therefore, we were unable to bind the policy. On October 28, 2016, we tried again tocontact him to advise him of the change in premium, but did not receive a response.On October 29, 2016, we contacted Mr. [redacted] again, and he declined the insurance.
Thank you for sending the complaint filed by Mr. Eric [redacted], which we received on January 15, 2016.We understand that he would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address his concerns.We are unable to continue to offer Mr. [redacted] a...
policy because his vehicle is not garaged at a permanentaddress. Because we are unable to adequately rate for and underwrite this exposure, we cannot continuecoverage.We acknowledge that this must be frustrating for Mr. [redacted], and we are truly sorry we are unable tooffer him coverage. Regrettably, we are unable to change our decision after reviewing this situation asecond time.If you have any questions about this information, you may contact me at ###-###-####.
Thank you for sending the complaint filed by Mr. [redacted], which we received on June 30, 2016. We understand that he disagrees with our decision regarding the claim. We 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 term. This 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 time. Mr. [redacted]’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:13. Accidental Discharge or Overflow of Water or Steama. This 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.b. This 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 14 days or more.c. In 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.d. Section I Exclusions 3. Water Damage, Paragraphs a. and c. that 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 ###-###-####, Ext. 3024.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance