Ziolkowski Construction, LLC

The Complainant is an insured who reported his vehicle was damaged in an attempted robbery.  While investigating the damages, the handling adjuster was informed by a representative of the Complainant's shop that the Complainant drives for Uber.  The Complainant's policy is a private...

passenger auto policy, which would not provide coverage if the Complainant was driving for Uber at the time of loss.  In order to rule this out, the adjuster requested Uber logs from the Complainant on May 24, 2017, which he agreed to send to us.  This documentation was received on June 5, 2017, and coverage was approved.  Payment has been issued in settlement of the Complainant's claim.

Please be advised that the complainant in this matter is not our consumer but rather a third party claimant pursuing a claim against our insured's policy.  The loss was reported on August 25, 2017 and Ms. [redacted]’ vehicle assigned to a Direct Repair Shop on August 26, 2017. The estimate was...

received on August 29, 2017 and reviewed and approved by our Staff Appraiser on the same day. The office was closed for the Labor Day Holiday on September 2nd through September 5th. The next business day, September 6, 2017, the adjuster requested and received confirmation of ownership. An offer was made to Ms. [redacted] on September 7, 2017 and check issued September 10, 2017. The check was mailed the next day. This is a total of 16 days. The information provided to Founders is that the vehicle was driveable so it’s not clear why she has been without a vehicle for a month. If Ms. [redacted] needs a vehicle while it is in for repairs she need only to contact anyone at Founders to review our rental policy. Our rental policy is on a reimbursement basis only. We cover up to $21/day including fees and taxes while the vehicle is being repaired. The storage disclaimer is on the initial letter sent to Ms. [redacted] and is not a Founders policy but rather Illinois law.

Dear Sir or Madam,The date of loss for the claim reported was 7/18/16 so the Ms. [redacted] is mistaken that this claim has been open since June 19th. Additionally the vehicle was determined to be a total loss within the first week of the claim, and once we received the total loss paperwork from...

Ms. [redacted] and her lien holder, the claim was settled on 8/8/16. With regard to rental, rental reimbursement, we received her rental receipt on 8/8/16.  Payment hasbeen requested.  We thank you for bringing this matter to our attention and we always strive to create a positive claim experience.

We apologize for any inconvenience to the Complainant.  She will be contacted on Monday, November 16, 2015, with an offer.

Mr. [redacted] vehicle was inspected on May 13, 2016. Founders received the estimate on 5/13/16 and on 5/17/16 (2 business days later) the Founders Staff appraiser determined that the vehicle was a possible total loss and needed a re-inspection. The re-inspection was completed on 5/25/16 and Mr. [redacted]...

was advised that his vehicle was a total loss on 5/26/16. Founders handled the claim in an expeditious manner.

Complaint: [redacted]
I am rejecting this response because:In the initial conversation between the Founder's Ins. Claims adjuster I was told that the process for settling would be; 1. Take the retail value of the vehicle 2. Look at the same type of vehicles in my area for sale3. Use both calculations to determine a settlement offer. This business is trying to offer me the lowest amount possible for a settlement. I've only had my vehicle for a short period of time and it was in good condition. I purchased this vehicle for $1500 on a VERY GOOD deal. How does this business expect me to move forward in purchasing another vehicle for $700? I shouldn't have to be out of more money due to their insureds negligence. 
Sincerely,
[redacted]

After the Complainant's claim was transferred to our Total Loss Department the total loss adjuster attempted to contact him on May 11, 2016.  Unfortunately, she was only able to leave a voice mail message.  After determining the value of the Complainant's vehicle the adjuster tried...

contacting him again on May 18 but was only able to leave another message.  Therefore, on May 18 an offer letter was sent to the Complainant.  Our file reflects that the Complainant has not responded, but the adjuster will be attempting to contact him.

Please be advised that the complainant in this matter is not our consumer but rather a medical provider who rendered services to a third party claimant that was involved in an auto accident with our insured.  The third party claimant has recently advised that she does not have any...

additional medical documentation to present for her bodily injury claim and that we can begin evaluating her claim.  The handling adjuster has requested that an itemized bill be provided by the complainant and once received, our evaluation of this claim can be completed.  Please note, that any settlement that may be offered will be directed to the third party claimant and not to the complainant.  We do have a copy of the complainant's physician lien in file and in the event of settlement, will protect their interest by naming them as a payee on the settlement check.  Should you have any additional questions, please feel free to contact me.

A representative of the Complainant's insurance company reported the loss to us and arrangements were made for the Complainant to take her vehicle to a recommended shop for an estimate.  We have the estimate, but the handling adjuster needs to confirm the facts of loss with our...

Insured.  Unfortunately, our Insured has not responded to his efforts to gain her cooperation.  The Complainant was contacted by the adjuster on June 6, 2016 and advised the status of her claim.

Founders Insurance Company received the medicals for Shanta [redacted] daughter, Moriah Mobley, on 7/18/16. Upon a complete review of the medical records there is no indication that Ms. [redacted] went to the emergency room due to any complaints from a motor vehicle accident.

On December 20,2016, I spoke with the complainant, [redacted], and explained that Founders Insurance never received his estimate.  I asked him to email the estimate directly to me and stayed on the line with him; however, although he confirmed it was sent I never received the...

email. I contacted our IT Department and it was determined that Mr. [redacted] emails were being blocked by the spam filtering system.  Our IT Department white listed his email and I was able to successfully receive his estimate and a check for $605.22 was requested immediately.  Should you have any additional questions or concerns, please do not hesitate to contact me directly. Very truly yours, [redacted] Litigation Claim Manager Founders Insurance Company [redacted]@foundersinsurance.com [redacted]           [redacted] www.foundersinsurance.com www.foundersagents.com [redacted]           [redacted] www.foundersinsurance.com www.foundersagents.com

Complaint: [redacted]
I am rejecting this response because:We were finally contacted by Founders Insurance, and they did make an offer on the vehicle of $200.  Our insurance company had also sent a claims adjuster weeks ago, and they valued the car at $950, nearly 5 times what Founders offered.  As with the dozens of other complaints about the company, it seems that Founders Insurance is painfully slow in processing claims, expecting the claimant to take an absurdly low offer after waiting for weeks on end for a resolution.  In my case, the supervisor I spoke too specifically said she was happy that my insurance company would give me a better settlement.  They assume that I'll take the substantially higher payment from my reputable and trustworthy insurance company rather than fight this pathetic excuse for a business and risk weeks or months of further dispute.  Pathetic.
Sincerely,
[redacted]

Please be advised that upon our notice of this loss, the handling adjuster immediately began an investigation into this loss.  Our inspection of the complainant's vehicle revealed that the damages exceeded the value. Accordingly, the vehicle was deemed a total loss and the...

complainant's file was subsequently transferred to our Total Loss Department for further handling.  Upon obtaining the actual cash value of the vehicle, the complainant was contacted on August 29, 2016 and a settlement offer in the amount of $8584.90 was extended.  The complainant accepted the settlement offer and payment has been processed.  Should you have any additional questions, please feel free to contact me.

Please be advised that the complainant in this matter is not our consumer but rather a third party claimant pursuing a claim for property damage against our insured's policy.  Additionally, please note that our file indicates that [redacted] is the claimant pursuing this property damage...

claim.  Upon our notice of this loss, the handling adjuster immediately began an investigation into this matter.  Our inspection of the claimant's vehicle revealed that the damages exceeded the value.  Accordingly, the vehicle was deemed a total loss.  Upon completion of our investigation, the claimant's filed was transferred to our Total Loss Department on September 14, 2016 where the actual cash value of the vehicle would be obtained and discussions of settlement could begin.  On September 21, 2016, the handling adjuster attempted to contact [redacted] to discuss settlement of this matter however a message had to be left for a return call.  Correspondence was mailed to [redacted] extending a settlement offer and we await a response to said offer.  Please feel free to contact me with any additional questions.

The Complainant is a third party claimant pursuing a claim against our Insured's policy.  The reported date of loss was shortly after a lapse in coverage, so we are attempting to verify the policy was in force at the time of the loss.  The policy requires that the Insured cooperate fully...

with our investigation, which is needed to resolve the coverage issue.  While she was cooperating initially, she stopped cooperating, so we have denied coverage.

The Complainant is a third party claimant pursuing a claim against our Insured's policy.  His vehicle was deemed a total loss as a result of an accident with our Insured.  His vehicle is a 2003 [redacted] with 158,225 miles on it, and it has over $1,848.82 in unrelated, prior...

damage.  We obtained a based value on the vehicle of $1,773, which means the vehicle has a negative value.  Despite this, an offer was made to the Complainant to settle his claim in the amount of $200, which he rejected.  The offer remains open to him if he wishes to reconsider.

Complaint: [redacted]
I am rejecting this response because: Yes I did receive payment in this matter, however I was shorted $1, founders took too long processing, were horrible with customer service in handing this matter, and they appeared to always be dragging the entire process. I do consider the matter closed however I am exxtremely dissatisfied as a paying customer as they did not provide professional customer service in a timely manner to an individual with a paid policy. They did not deliver what they advertised or what I paid for, they were elusive, they have stalled and have been disrespectful me. I will not  do business with them again nor do I advise anyone else do business with them. I give them a grade of "F" for their handling of this matter
Sincerely,
Jason [redacted]

The estimates provided by the Complainant have been reviewed in more detail, and the estimate from [redacted] Collision has been approved.  The handling adjuster will contact the Complainant to make a settlement offer.

There is a residency coverage issue, and we need the Complainant's driver's license number.  The handling adjuster will follow up with her to obtain the information and documentation needed.

Upon our notice of this loss, the handling adjuster immediately began an investigation into this matter.  A coverage issue was identified as there was a lapse in coverage on the complainant's policy from December 7, 2015 until December 19, 2015 and the complainant reported a single vehicle...

accident occurring on December 26, 2015.  As no police report was filed, the date of this loss needed to be verified.  Accordingly, a coverage investigation commenced and the file was subsequently referred to our Special Investigation Unit for assistance in verifying the reported date of loss. On January 28, 2016, we were able to complete our investigation into this matter and coverage was afforded for this loss.  The complainant's body shop was contacted and advised of the same and payment was processed in the amount of $9122.30.  This amount reflected the damage estimate of $9622.30 less the complainant's $500.00 deductible.  Should you have any further questions regarding this matter, please feel free to contact me.