Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally file a complaint against People's Trust Insurance Company and Progressive Insurance regarding their failure to process my claim and repair my vehicle after a car accident that occurred on November 24, 2024, in the state of ********Since the date of the accident, both insurance companies have consistently redirected me to each other, failing to take responsibility for processing my claim. Despite my repeated attempts to resolve the matter, my car remains unrepaired, and the investigation process seems to be indefinitely prolonged without any resolution.I was informed by both companies that, because the at-fault driver was working for **** at the time of the accident, they are not responsible for covering my damages. However, I believe that this situation requires proper clarification and resolution, as I have been left without a functional vehicle for an extended period, causing undue hardship and financial strain.I am seeking the following resolution from People's Trust Insurance Company and Progressive Insurance:Immediate action to determine liability and cover the necessary repairs to my vehicle.Clear communication regarding the status of the claim and investigation timeline.Accountability and compliance with Florida's insurance regulations to ensure fair and timely resolution.Please consider this letter as my formal complaint and request for assistance in holding these insurance companies accountable for their obligations. I kindly ask that this matter be investigated promptly, and that appropriate action is taken to ensure compliance with state insurance regulations.I am prepared to escalate this matter further if necessary, including contacting the **************************************** *************************** which oversees auto insurance claims in the state.Thank you for your prompt attention to this complaint. I look forward to your response and a resolution to this matter as soon as possible.

  Business Response

  Date: 01/31/2025

  Please accept this response from Peoples Trust Insurance Company (PTI) to the
  Complaint filed with the Better Business Bureau by ****** Espino ******. The subject claim was
  reported on December 6, 2024, for an incident reportedly occurring on November 24, 2024.
  Regarding Claim No. *********, the Auto Policy is underwritten by Peoples Trust
  Insurance Company (PTI), but all claims are handled by Loyalty as its claims administrator.
  Please see the Policy Declarations Page attached indicating same.
  Regarding Policy No. PTFC0074684-00, PTIs insured submitted an application for
  insurance on or about November 19, 2024, wherein she denied using her vehicle for any
  commercial, delivery, and/or ridesharing services, and wherein the application page containing
  these denials was signed by the insured. Based on these representations that were made by PTIs
  insured in her application for insurance, a non-commercial policy was issued for a total premium
  of $3,173.00.
  However, on December 6, 2024, PTIs insured made a claim under Claim No. *********
  for damages to her vehicle that reportedly occurred on November 24, 2024. Through Loyaltys
  initial investigation of the claim, it was determined that PTIs insured uses the insured vehicle to
  perform ridesharing services, contrary to the information the insured provided in her application,
  and that PTIs insured was performing a ridesharing service at the time of this incident.
  The subject policy expressly excludes coverage for any insureds liability arising out of the
  ownership or operation of any vehicle while it is being used to carry property or persons for a fee
  or compensation.
  The subject policy specifically states:
  Liability coverage, Exclusions A, 10 & 13, Page 4 & 5:
  Exclusions
  A. We do not provide Liability Coverage for:
  January 31, 2025
  Page 2 of 2
  10. Any insureds liability arising out of the ownership or operation of any vehicle while
  it is being used
  to carry property or persons for a fee or compensation.
  13. For any insureds liability arising out of the maintenance, ownership or operation of
  any vehicle while
  it is being used to carry persons or property for a fee or compensation. This includes any
  period of time
  a vehicle is operated by an insured who is logged into:
  a. a digital network; or
  b. provides a prearranged ride; as a TNC driver.
  This exclusion does not apply to a share-the-expense carpool.
  Accordingly, on January 16, 2025, the Claimant was sent the attached correspondence
  explaining that coverage would not be afforded for any damage resulting from the subject incident.
  PTI denies the allegations and any wrongdoing. We trust that the foregoing fully addresses
  the concerns raised in this Complaint but remain prepared and willing to address any additional
  questions or requests for further information regarding this matter.
  Sincerely,
  ***** *******, Esq.
  Chief Legal Officer
  BRF/rl
  Encl: Policy Declarations Page
  Policy Form 201POL (08/2022)
  Coverage Determination Letter dated January 16, 2025

• Initial Complaint

  Date:12/23/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was referred to LM AUTO COLLISION CENTER by People's Trust Insurance / Loyalty MGA due to their insured having hit my car and that body shop being the top body shop that they work with that I could take my car to (they claimed that I could only take my car to a body shop they worked with in order for them to be able to cover the repair costs) . I took my car in for repair on 12/11/2024 at approximately 1 pm to LM AUTO COLLISION CENTER at ***************************************************** and have yet to receive my repaired car . Everyday I call them and get a different answer or excuse as to why my car hasn't been repaired . They have had my car for two weeks for a minor repair on my side bumper that doesn't even take a day to fix . They ordered the part that needed repair for the car a week after having it at their shop and then claimed it was defective and they had to order it again . They are very irresponsible and must be investigated . Just as they are doing this to me they may be doing this to others . I blame the Insurance and the body shop equally for their irresponsibility and failure to provide quality and efficient service to consumers . I would like them both investigated and reprimanded for their callousness as I have been on foot for these two weeks since they claim to only do rental cars for consumers through reimbursement which is also senseless . Attached please find pictures of the small repair needed for my car . Thank you .

  Business Response

  Date: 01/02/2025

  To whom it may concern:
  
  Please accept this response from Peoples Trust Insurance Company (PTI) to the Complaint filed with the Better Business Bureau by Mallerin *******. The subject claim was reported on November 18, 2024, for an incident reportedly occurring that same day. Shortly thereafter, the Claimants vehicle was taken to LM ********************* for the loss-related repairs to be completed. ************************ prepared a preliminary estimate for the loss-related damages on November 26, 2024. This Complaint relates specifically to the length of time that LM ********************* is taking to complete repairs to the Claimants vehicle. As the Complaint states, it became necessary during the repair process for LM ********************* to order a new part that was damaged from the loss, which is a common occurrence with automobile repairs. A *** representative contacted LM ********************* on December 30, 2024, and was informed that all repairs to the Claimants vehicle have been completed, and that the Claimant picked up said vehicle on December 26, 2024. Based on all current information, the issues raised in this Complaint have now been resolved.
  
  Should you have any questions or need further information regarding this matter, please contact me directly at ************** or *****************************.
  
  Sincerely,
  
  ***** *******, Esq.
  Chief Legal Officer
  
  BRF/rl
  
  
  

• Initial Complaint

  Date:12/11/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In the past two and a half years, I have submitted two claims. One for hurricane *** and the other for hurricane ******. The hurricane *** claim took approximately 11 months to settle. I tried to work with People's Trust Insurance on my own to no avail. They continuously lowball my repair and replacement invoices and eventually I had to hire a public adjuster for a final resolution. The public adjuster cost me 10% of the final settlement. The hurricane ****** claim is ongoing with little to no results. I submitted a repair claim and provided an invoice for outside A/C compressor repair due to electrical surge. They declined that claim and blame the cause of the damage to the local electrical company. I submitted a repair claim and provided an invoice for the Sliding Glass doors they declined the claim and blame the cause to earth movement. I submitted a replacement claim for the house front double doors. That damage was noted by ***'s contractor inspector on 10/24/2024 at 9:00 AM. Conveniently, Peoples Trust Insurance company failed to acknowledge the house front double door claim. ***'s report noted "no roof or pool enclosure damage". I never submitted a claim for the roof or pool enclosure. I submitted an Alternative Dispute Resolution, Department of ******************* Division of ****************** I am waiting for them to respond. PTI is the obsolete worst Home ****** insurance company in the ****************. It's *************************** is abysmal.

  Business Response

  Date: 12/19/2024

  This correspondence serves as Peoples Trust Insurance Companys (PTI) response to Service Request # ********.  Please be advised that *** is requesting an extension until Friday, December 27, 2024, to respond to this BBB Complaint, the information sought in the service request is not readily available.
  
  PTI appreciates the additional time granted by the BBB in responding to the service request.  The information sought in the service request is not readily available.  PTI is working diligently in its investigation of this matter, and will provide a response as soon as each of the Consumers concerns have been thoroughly investigated.
  
  Thank you for your patience.
  
  

  Business Response

  Date: 12/23/2024

  Peoples Trust Insurance (PTI) appreciates the time and effort spent by **** ****** (Insured) in raising her concerns to the Department. PTI thoroughly reviewed the claims (prior Hurricane *** & current Hurricane ******) and the allegations raised in the Service Request and, at this time, denies any wrongdoing. 
  
  Hurricane *** Claims Adjustment 
  
  With respect to the prior Hurricane *** claim, Claim No.: CFL22584690, the matter was reported on 9/29/2022, as occurring the day prior. At the time of reporting, PTI was advised of damage to the shingle roof, exterior fence, soffit, pool gutters, shed, and exterior fans. *** assigned a field adjuster who inspected the reported damages on October 9, 2022, and on October 27, 2022, wrote Ms. ****** to explain that her Policy covered the Claim and that *** would have its preferred contractor repair her covered Dwelling damages in lieu of issuing any loss payments for them under the terms and conditions of the Policy. The letter further explained that in the event the Insured was not in agreement with the scope of repairs, she may proceed with submitting a Sworn Proof of Loss and supporting documentation as the policy allowed for appraisal as the scope dispute mechanism to establish an agreed upon scope of repairs to be performed. 
  
  On 11/9/2022, PTI received the executed Sworn Proof of Loss prepared on behalf of the Insured and appraisal was demanded in light of the dispute between the parties. The appraisal award was signed on 4/1/2023 and, instead of proceeding with repairs as outlined within the appraisal estimate, PTI opted to forego its election to repair and instead reach a monetary settlement with the Insured in exchange for a release. The payment letter was sent on 4/20/2023 and the claim was closed shortly thereafter. 
  
  As can be seen, there was a seven-month period of time from the date of reporting to when the claim was closed and resolved, during which time PTI inspected, issued a coverage letter, concluded the appraisal process, and issued a settlement check. In light of this, PTI denies any allegations relating to claim delay or failure to issue monetary payment as the policy allowed *** the option to invoke repairs and utilize appraisal for scope disputes. 
  
  Hurricane ****** Claims Adjustment 
  
  With respect to the current Hurricane ****** claim, Claim No.: CFL24605060, the matter was reported on 10/11/2024, as occurring on 10/9/2024. At the time of reporting, the Insured advised of the vinyl fence coming down, the front door flying open, a broken rear lamp, rain entering through the sliding glass door and causing damage to the living room flooring, damage to the **** at the side of the house, and the garage doors not functioning properly. 
  
  PTIs Field Adjuster inspected the subject property on 10/24/2024 and documented his observations at that time. In light of the prior claim, damages sustained in the prior claim, and the appraisal estimate and subsequent payment in the prior claim, the Field Adjuster also reviewed those materials to ensure that the current claim did not involve any duplicative/overlapping damages. That said, *** would like to address the claimed damages as follows: 
  
  1.Regarding the vinyl fence: Review of the prior loss materials did confirm the vinyl fence was replaced following Hurricane *** and that it did in fact sustain damage as a result of the current claim. Therefore, PTIs Field Adjuster accounted for this line item in his estimate of covered damages. 
  2.Regarding the front double French doors: Review of the prior loss materials show the same front elevation double doors reported by the policy holder in the current claim. The prior claim settlement involved replacement of the double French doors, which were not replaced. Therefore, PTIs Field Adjuster did not account for this line item in his estimate of covered damages. 
  3.Regarding the broken rear lamp, PTIs Field Adjuster did not observe claim related sudden and accidental direct physical damage to the rear elevation. Therefore, PTIs Field Adjuster did not account for this line item in his estimate of covered damages.
  4.Regarding the sliding glass door, PTIs Field Adjuster noted that the rear elevation slider/triple door had track issues attributable to long-term ground settling and wear and tear. Moreover, the prior claim paid for the repair of this door and no repairs were completed. Therefore, PTIs Field Adjuster did not account for this line item in his estimate of covered damages.
  5.Regarding the damage to the ****, PTIs Field Adjuster attributed the power surge to an off-premises power outage not subject to coverage under the policy at issue. Therefore, PTIs Field Adjuster did not account for this line item in his estimate of covered damages.
  6.Regarding the alleged damage to the garage doors, PTIs Field Adjuster did not observe damages related to the claimed loss at the time of the inspection. Therefore, PTIs Field Adjuster did not account for this line item in his estimate of covered damages.
  
  As a result of the investigation, *** issued its coverage letter on 12/4/2024. Within the letter, *** acknowledged coverage for the loss and issued payment measured as Actual Cash Value. The letter goes on to explain that the Insured may submit documentation showing proof of incurred expenses in order to obtain additional payment for the withheld depreciation, bringing the payment to Replacement Cost Value. Since that time, the only supplemental damages requested have been to the French double doors, which were already paid for in the prior claim, and the **** repairs and sliding glass door not covered under the policy. 
  
  We trust that the foregoing fully addresses the concerns raised by the Department in its Service Request. Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
  
  ***** *******, Esq.
  Vice President, General Counsel 
  
  

  Customer Answer

  Date: 12/27/2024

   

  The responses provided by Peoples Trust Insurance Company (PTI) is a classic example of "Cooperate Bulling" against a single insurer who doesn't have the means to hire an attorney or a public adjuster. ***, probably, has on retainer an army of attorneys to go against insurers that only seek fair compensation for their property loses. *** has many photos opportunity within the community to show "good will" in the eyes of public relationship on social media. What you don't see, is PTI having photos opportunities on social media with clients who have placed hundreds if not thousands of property damage claims against ***. The answer to is simple, there are probably no such photos. *** is notorious for "low balling" their clients for the property losses on their claims. They purposely slow their response until the last possible legal moment allowed by the insurers contact. On more than several occasions, they change the initial assigned "desk adjuster" multiple times. During hurricane ***, they assigned the claim to 3 different "desk adjusters". They like to play musical chairs to confuse the client and prolong the claim process. I had to hire a "public adjuster" to finally get PTI's attention. Unfortunately, nothing has change with their poor business practices.  For hurricane ****** I'm on my 3rd assigned desk adjuster without any final resolution. Giving away computers and scholarship is a great gesture for the local community, and I commend them for that effort.  Posting those pictures on social media is great public relations. However, PTI's image is tarnished and poor at best when you read the numerous negative postings on all social media sites. 
  **** ******

  Business Response

  Date: 01/10/2025

  Peoples Trust Insurance (PTI) appreciates the time and effort spent by **** ****** (Insured) in raising her concerns to the Department. PTI thoroughly reviewed the claims (prior Hurricane *** & current Hurricane ******) and the allegations raised in the Service Request and, at this time, denies any wrongdoing. 
  
  Hurricane *** Claims Adjustment 
  
  With respect to the prior Hurricane *** claim, Claim No.: CFL22584690, the matter was reported on 9/29/2022, as occurring the day prior. At the time of reporting, PTI was advised of damage to the shingle roof, exterior fence, soffit, pool gutters, shed, and exterior fans. *** assigned a field adjuster who inspected the reported damages on October 9, 2022, and on October 27, 2022, wrote Ms. ****** to explain that her Policy covered the Claim and that *** would have its preferred contractor repair her covered Dwelling damages in lieu of issuing any loss payments for them under the terms and conditions of the Policy. The letter further explained that in the event the Insured was not in agreement with the scope of repairs, she may proceed with submitting a Sworn Proof of Loss and supporting documentation as the policy allowed for appraisal as the scope dispute mechanism to establish an agreed upon scope of repairs to be performed. 
  
  On 11/9/2022, PTI received the executed Sworn Proof of Loss prepared on behalf of the Insured and appraisal was demanded in light of the dispute between the parties. The appraisal award was signed on 4/1/2023 and, instead of proceeding with repairs as outlined within the appraisal estimate, PTI opted to forego its election to repair and instead reach a monetary settlement with the Insured in exchange for a release. The payment letter was sent on 4/20/2023 and the claim was closed shortly thereafter. 
  
  As can be seen, there was a seven-month period of time from the date of reporting to when the claim was closed and resolved, during which time PTI inspected, issued a coverage letter, concluded the appraisal process, and issued a settlement check. In light of this, PTI denies any allegations relating to claim delay or failure to issue monetary payment as the policy allowed *** the option to invoke repairs and utilize appraisal for scope disputes. 
  
  
  Hurricane ****** Claims Adjustment 
  
  With respect to the current Hurricane ****** claim, Claim No.: CFL24605060, the matter was reported on 10/11/2024, as occurring on 10/9/2024. At the time of reporting, the Insured advised of the vinyl fence coming down, the front door flying open, a broken rear lamp, rain entering through the sliding glass door and causing damage to the living room flooring, damage to the **** at the side of the house, and the garage doors not functioning properly. 
  
  PTIs Field Adjuster inspected the subject property on 10/24/2024 and documented his observations at that time. In light of the prior claim, damages sustained in the prior claim, and the appraisal estimate and subsequent payment in the prior claim, the Field Adjuster also reviewed those materials to ensure that the current claim did not involve any duplicative/overlapping damages. That said, *** would like to address the claimed damages as follows: 
  
  1.Regarding the vinyl fence: Review of the prior loss materials did confirm the vinyl fence was replaced following Hurricane *** and that it did in fact sustain damage as a result of the current claim. Therefore, PTIs Field Adjuster accounted for this line item in his estimate of covered damages. 
  2.Regarding the front double French doors: Review of the prior loss materials show the same front elevation double doors reported by the policy holder in the current claim. The prior claim settlement involved replacement of the double French doors, which were not replaced. Therefore, PTIs Field Adjuster did not account for this line item in his estimate of covered damages. 
  3.Regarding the broken rear lamp, PTIs Field Adjuster did not observe claim related sudden and accidental direct physical damage to the rear elevation. Therefore, PTIs Field Adjuster did not account for this line item in his estimate of covered damages.
  4.Regarding the sliding glass door, PTIs Field Adjuster noted that the rear elevation slider/triple door had track issues attributable to long-term ground settling and wear and tear. Moreover, the prior claim paid for the repair of this door and no repairs were completed. Therefore, PTIs Field Adjuster did not account for this line item in his estimate of covered damages.
  5.Regarding the damage to the ****, PTIs Field Adjuster attributed the power surge to an off-premises power outage not subject to coverage under the policy at issue. Therefore, PTIs Field Adjuster did not account for this line item in his estimate of covered damages.
  6.Regarding the alleged damage to the garage doors, PTIs Field Adjuster did not observe damages related to the claimed loss at the time of the inspection. Therefore, PTIs Field Adjuster did not account for this line item in his estimate of covered damages.
  
  As a result of the investigation, *** issued its coverage letter on 12/4/2024. Within the letter, *** acknowledged coverage for the loss and issued payment measured as Actual Cash Value. The letter goes on to explain that the Insured may submit documentation showing proof of incurred expenses in order to obtain additional payment for the withheld depreciation, bringing the payment to Replacement Cost Value. Since that time, the only supplemental damages requested have been to the French double doors, which were already paid for in the prior claim, and the **** repairs and sliding glass door not covered under the policy. 
  
  On January 7, 2025, PTIs Field Claim Specialist met with the Claimant to conduct an inspection.  On January 10, 2025, PTIs Field Claim Specialist spoke to Claimant and continues to be contact relating to this claim. 
  
  We trust that the foregoing fully addresses the concerns raised by the Department in its Service Request. Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
  
  ***** *******, Esq.
  Vice President, General Counsel 
  
  

  Customer Answer

  Date: 01/13/2025

   
  Complaint: 22674509
  
  I am rejecting this response because:
  
  Sincerely,
  
  **** ******

  Customer Answer

  Date: 01/13/2025

  As the insured, I respectfully decline to go forward with my complaint with PTI company. They have an army of attorneys on staff and I cant  compete with their attorneys nor do I have the finances to hire a lawyer. 
  

  **** Y Garcia 

• Initial Complaint

  Date:12/05/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is taking advantage of an elderly, disabled, widowed woman. A tree fell on our house during Hurricane ******. We advised the insurance agent when we filed the claim that our home phone didn't work and we could only be contacted via cell phone. The agent did not update our information which delayed us getting any help removing the tree, tarping the roof and getting an adjuster scheduled for an estimate. We notified the company several times about the issue and their "customer service" attempted to blame me, an elderly woman. We have had three different adjusters during this process, the first estimate we received omitted an entire room and was thus inaccurate. The third adjuster issued us a payment before even allowing us to properly review the new estimate and nobody was given us any guidance on where to submit information regarding loss of personal items, inspections for mold and remediation or anything else.

  Business Response

  Date: 12/14/2024

  Peoples Trust Insurance (PTI) appreciates the time and effort spent by ****** **** (Insured) in raising her concerns to the Department. PTI thoroughly reviewed the claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing. 
  
  On 10/10/2024, the Insured, ****** ****, and her son, *******, called to report damages resulting from Hurricane ******, occurring on 10/9/2024. At the time of reporting, *** was advised that a tree blew into the house and damaged two rooms allowing water to enter from the ceiling. It was further reported that the tree penetrated fully into the room and that the extent of damage to personal property was unknown at the time. In light of the damages reported, *** immediately assigned its preferred contractor, ************************ (***) to remove the tree and place a tarp on the roofing system to prevent further damage. 
  
  Subsequently, on 10/22/2024, PTI received documents from HD Roofing & Construction on behalf of the Insured, which included photographs of the damage and a roof replacement estimate in the amount of $26,480.38. Following receipt of these documents, PTIs Field Adjuster inspected the subject property on 10/25/2024 in the presence of the Insured who confirmed the cause of loss as Hurricane ******. At the time of the inspection, interior damages were observed and an estimate was prepared accounting for these damages, as well as the roofing system. That said, *** worked diligently to promptly inspect the home, engage its vendor to perform emergency mitigation to prevent further damage, promptly issue payment for the covered damages, as indicated in the timeline of events as the loss was reported 10/10/2024 and inspected and acknowledged as covered within 15 days. 
  
  As for the remaining issues regarding a room being omitted, personal property not being addressed, and mold services being needed, these issues have been brought to the attention of the claims department for handling. In fact, the assigned adjuster contacted the Insured and spoke with her son yesterday and informed him our preferred vendor would be reaching out to set up a mold inspection and perform remediation, if needed, and will be working with the Insured to obtain any additional information needed with respect to addressing the personal property damage in accordance with the policy at issue. As for the allegedly omitted room, the field team is reviewing these allegations and the Insured will be contacted regarding any revisions made to the assessment of damages that may warrant further payment at this time. 
  
  We trust that the foregoing fully addresses the concerns raised by the Department in its Service Request. Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
  
  ***** *******, Esq.
  Vice President, *******************************

  Customer Answer

  Date: 12/17/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ****

• Initial Complaint

  Date:09/17/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June 25th 2024 I paid People's Insurance for Homeowner's coverage. The coverage was slated to commence on July 1st, 2024. However, after I reviewed their coverage limits and submitted it to my mortgage company, my mortgage company deem that the coverage was not adequate for the dwelling. I called People's on June 27th and told them to cancel the policy (policy# BFL671039-00) and refund my money. To no avail and despite numerous calls to People's I still have not received my money back of $1075. Please I am asking you to help me retrieve my money to these gutless bottom feeders. Thank you.

  Business Response

  Date: 09/26/2024

  People’s Trust Insurance (“PTI”) appreciates the time and effort spent by Carlington Marshall (“prior Insured”) in raising his concerns to the Department. PTI thoroughly reviewed the policy in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing. PTI further advises that it promptly sent the refund check following cancellation, and once notified it had not been received, promptly reissued a second check. That said, PTI has attempted to refund the money since the time of cancellation.
  
  As mentioned in the Complaint, the prior Insured’s policy, Policy No.: BFL671039-00, with effective dates of 7/1/2024 – 7/1/2025 has been cancelled effective 7/1/2024. The cancellation was made after receiving a Cancellation Request from the prior Insured stating that the policy had been rewritten with a new company. The Cancellation Notice was issued on 7/11/2024 and the initial refund check in the amount of $1,075.00 was processed on 7/24/2024.
  
  On 8/23/2024, the prior Insured advised the refund check had not yet been received so PTI cancelled the check and issued a new one on 8/26/2024. On 9/10/24, the prior Insured called advising he had not yet received the check and the PTI representative advised that a stop payment could not be issued until 30 days had passed. Therefore, if the prior Insured has still not received the check by end of business today, then PTI will be able to re-issue the check. The accounting department has been advised of this Complaint, as well as the instruction to expedite the check and provide tracking information should the prior Insured have not received the funds by end of today.
  
  We trust that the foregoing fully addresses the concerns raised by the Department in its Service Request. Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
  Brett Frankel, Esq.
  Vice President, General Counsel 

  Customer Answer

  Date: 10/07/2024

   
  Complaint: 22299796
  
  I am rejecting this response because:
  The business only expedited the process after I filed a complaint with the BBB. 
  Sincerely,
  
  Carlington Marshall

  Business Response

  Date: 10/10/2024

  People’s Trust Insurance (“PTI”) appreciates the time and effort spent by Carlington Marshall (“prior Insured”) in raising his concerns to the Department. PTI thoroughly reviewed the policy in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  On September 26, 2024, People’s Trust Insurance reissued a check and sent the Insured with USPS tracking number 7022 2410 0003 0152 7754.  People’s Trust Insurance contacted the Insured to advise him of the same.
  
  We trust that the foregoing fully addresses the concerns raised by the Department in its Service Request. Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
  
  Brett Frankel, Esq.
  Vice President, General Counsel 

• Initial Complaint

  Date:08/04/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm trying to get other quotes to lower my homeowner's insurance, and PT has put in the ***** Nexis a claim that I was awarded ******** back in 2022, for which I never received any payment for this amount. I contacted LN with a dispute, and they returned, reporting that this was accurate information. Case number ******* Consumer Number 1110097.Where is the proof or cancel or cashed check for this amount?

  Business Response

  Date: 08/14/2024

  Please accept this response from Peoples Trust Insurance Company (PTI) to the Complaint filed with the Better Business Bureau by policyholder, ***************************, concerning his Hurricane ************.
  
  When *********** reports a claim filed by an insured, it incorporates any and all expenses associated with the claim in their report, including expenses incurred by the Insurer. Whereas the Loss Run report only incorporates the money paid to the Insured and any assignees associated with the claim. The total amount incurred on your Claim, inclusive of expenses, totaled $68,965.86. The attached Loss Run report shows the amount paid on the claim was $61,811.86, which is the total amount less expenses incurred by PTI. The total was made up of $50,000 paid to the Insured and $11,811.86 paid to the Insureds assignee, The Restoration Team, for services provided related to the Claim. The attached Loss Run Report can be provided to various insurers to assist in their underwriting decisions.
  
  We trust that the foregoing fully addresses the concerns raised by the Department in its Service Request. Should you have questions or need further information regarding this matter, please contact PTI.
  

  Sincerely,
  *************************, Esq.
  Chief Legal Officer
  
  BRF/adz

  Business Response

  Date: 08/14/2024

  Please see attached.

  Business Response

  Date: 08/14/2024

  Please see attached.

   

  Business Response

  Date: 08/14/2024

  Previous (2) document uploads were corrupted and did not open.

  Business Response

  Date: 08/14/2024

  Previous (3) versions were corrupted.

  Business Response

  Date: 08/14/2024

  Please disregard attached documents.  They are not opening.  The complete response has been provided.

• Initial Complaint

  Date:07/23/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April 29, 2024, I paid People's Trust Insurance (sold through Harvest Insurance, *****************) $4196.00 to begin the process of opening a homeowners insurance policy with them. People's Trust canceled the policy and did not want to insure me because of underwriting concerns. I am not disputing their right to cancel my policy or their decision not to insure me. I did not want to make a very costly repair to my home that a plumber told me was unnecessary and upon which they were insisting. Again, my problem is not with their decision. I obtained insurance elsewhere. My problem is that after at least five calls (again through Harvest Insurance ************) I still cannot find out anything about the return of my money. It is a hefty sum of money and I want it back. The date of their cancellation letter was June 7, 2024. Every time I have called, the individual answering the phone says that he/she will check and get back to me. No one has ever called me back. People's Trust Insurance Company never provided me with any insurance, yet they are still holding on to the down payment of $4196.00 that they required on 4/29/2024. I obtained insurance elsewhere. I am not looking for, nor do I want, a policy from them. They canceled my policy on 6/7/2024. I have inquired multiple times, and no one returns my calls. Four thousand, one hundred and ninety-six dollars ($4196.00) is a great deal of money. I want my money back.

  Customer Answer

  Date: 07/29/2024

  Complaint ID: ********

  On Saturday, July 27, 2024, I received a check from People's Insurance Company for the amount of $2866.00. This is $1330.00 short of the $4196.00 that I gave them at the end of April, 2024. The amount of $2866.00 is unacceptable.   I did not cash the check as I am aware that by doing so, I accept their settlement. I do not accept as settlement the amount of $2866.00. I am in great need of this money but will not accept less than the $4196.00. I have no idea what the $1330.00 is for as there was no explanation with their check. I am going to assume that they will claim that this is the amount of insurance I owe them for the month of insurance they are going to claim they provided. As with anything dealing with this company, that assertion would be untrue. First, my bank has no record of their being my insurance carrier. As proof of this, my bank has been charging me for insurance during the period that they were supposedly providing me with coverage. My bank billed me $488.00 for insurance that they purchased because no proof of insurance had been provided by People's Trust. It is not my problem that People's Trust didn't filed with my bank as required other than it has now cost me $488.00. Obviously, if they were the insurer of record, the bank would not have purchased insurance for me. There is a remaining $219.61 that I am being charged for the period before I was able to obtain a policy from another home insurance company. This company is dishonest. The still owe me $1330.00 to equal the $4196.00 I paid them. I have no proof to back up my feeling that were I not a senior, single female, they would not be pulling this on me. However, that is the way I feel. This company has already cost me an additional $1200.00, out of pocket, for home repairs and now the additional cost of insurance from my bank. I demand full restitution of the amount I originally paid them.
  

  Business Response

  Date: 08/02/2024

  Please accept this response from Peoples Trust Insurance Company (PTI) to the Complaint filed with the Better Business Bureau by policyholder, *********************.
  
  The Policy Effective Date for Policy PFL454814-00 was April 29, 2024. In the New Business Submission process, Underwriting reviewed the risk, determined repairs were required and issued a repair memo (attached) and emailed the agent of the outstanding required documents (attached). A Repair Memo was issued on May 8, 2024, which asked the Insured to replace the corroded shutoff valves behind the washing and to replace the rusted drain connections located under both master bathroom sinks. The Repair Memo due date was June 7, 2024. Once they did not receive the required repairs nor the required documents to substantiate the credits/rating that the agent submitted for the policy, Underwriting endorsed the policy to properly rate the policy and issued the Cancellation Notice (attached) for failure to comply with the repairs requested and emailed the agent (attached). The Cancellation Notice was issued on June 9, 2024, with an effective cancellation date of July 4, 2024.Accounting has 15 business days after the cancellation effective date to issue the refund. On July 26, 2024, PTIs accounting department issued the check with a refund in the amount of $2,866.00. and sent it via ***** ground to the address on file (Tracking #**** 3015 0897, Check # ******). The insured was on a payment plan and had coverage from April 29, 2024, through July 4, 2024. The refunded amount was in the amount of the unearned premium.
  
  We trust that the foregoing fully addresses the concerns raised by the Department in its Service Request. Should you have questions or need further information regarding this matter, please contact PTI.
  
  Sincerely,
  
  *************************, Esq.
  Chief Legal Officer
  
  BRF/az

  Business Response

  Date: 08/02/2024

  PFL454814 - Cancellation Notice

  Customer Answer

  Date: 08/08/2024

   
  Complaint: 22031274
  
  I am rejecting this response because People's Trust is a dishonest business and has not correctly represented, or just lied about, what they received from me. This might be because their staff at Harvest Insurance was not stable and everyone I spoke to was gone the next time I called to speak with him/her.

  I am attaching the email I sent with the before and after pictures of the repairs I made, as well as the plumber's receipt. The email shows to whom the information was sent, the date on which it was sent, and it explains the pictures. I sent everything on June 2, 2024. I never received any feedback regarding the repairs I had made. I clearly explained why replacing the valves they wanted replaced was unnecessary and reported what the plumber had told me.

  I want the entirety of my money back. I made the repairs and sent them everything they asked for. Possibly their inept and constantly changing staff at Harvest Insurance did not send it to them. That is their problem. Not mine. I am not responsible for staff that left or was fired (as I was told).

  Lastly, my bank charged me $488.00 for insurance because they claimed I had no insurance during the month that People's Trust is charging me over $1300.00. Clearly they owe me the full amount of my original payment. Nothing else is satisfactory.
  
  Sincerely,
  
  Dr. ***** ***********************

  Customer Answer

  Date: 08/08/2024

  Complaint #********.

  I omitted this attachment from my prior response. This is a PDF of the actual email sent.

  Sincerely,

  Dr. ***** ***********************
  

  Business Response

  Date: 08/19/2024

  Please accept this supplemental response from Peoples Trust Insurance Company (PTI) to the Complaint filed with the Better Business Bureau by policyholder, *********************.
  
  PTIs underwriting department received the documentation for the repairs made to the property. It was determined that the corroded shut-off valves located behind the washing machine were not replaced,and therefore the policy was cancelled. On July 26, 2024, PTIs accounting department issued the check with a refund in the amount of $2,866.00 and sent it via ***** ground to the address on file (Tracking #**** 3015 0897, Check #******). The insured was on a payment plan and had coverage from April *******, through July 4, 2024. The refunded amount of $2,866.00 was in the amount of the unearned premium.
  
  We trust that the foregoing fully addresses the concerns raised by the Department in its Service Request. Should you have questions or need further information regarding this matter, please contact PTI.
  
  Sincerely,
  
  *************************, Esq.
  Chief Legal Officer
  
  BRF/az

  Customer Answer

  Date: 08/26/2024

   
  Complaint #********

  On Saturday, July 27, 2024,I received a check from People's Insurance Company for the amount of $2866.00.This is $1330.00 short of the $4196.00 that I gave them at the end of April,2024. The withholding of $1330.00 is unacceptable. If as they claim, the $1330.00 withheld was to cover a quarterly payment then they still owe me $438.90 for the unused portion. That amount is close to the amount my bank charged me, $488.00, for being uninsured for a month. I will consider a payment of $488.00 to cover the amount I had to pay my bank for a term of insurance that the $1300.00 should have covered but did not. I realize the BBB does not have any enforcement power. I would consider a check in the amount of $488.00, the amount charged by my bank to cover a term during which I should have been covered by People's Trust, I would find that acceptable but would not consider the issue resolved. I don't know what other avenues are open to me for resolution, but I will be researching it. This company upended my existence for 3 months.They provided nothing at a premium charge and required repairs that cost me large out of pocket expenses. Especially for a retiree. Send me a check for $488.00 and I will accept the response from the company to be adequate.
  

  Sincerely,

  ****************************
  
  
  
  
  

  Customer Answer

  Date: 08/27/2024

  I understand why you closed my complaint. However, I do not feel that my concerns were answered or addressed. You took the company's explanation as fact and did not review the actual details. I am very disappointed by my interaction with the ********************** I thought you were a consumer advocate. Silly me.

• Initial Complaint

  Date:05/17/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Filed a claim with people's trust insurance due to damage on my roof that happen from a storm that produced strong winds and hail, filed the claim with them they sent out one of there inspectors not a third party, previous to that I had 3 roofing company's out here to inspect my roof and they all said the same thing I had severe hail damage on my roof, one of the xo.panies was nice enough to mark the spots on the roof that were damaged, after the inspection from people trust they denied my claim and said the shingles were blistering and worn, also in 2024 they raised my Insurance by $1000 dollars because of my roof they also said there was no hail damage on my gutters which would have shown because of it being a soft metal, the funny thing is I don't even have gutters I have been with peoples trust since 2013 and never filed a claim with them thank God even after 2 hurricanes in my aera, I feel they are doing this to not pay the claim and on top of that I don't think they should have there own inspectors reviewing the claim because they work for the company and the loyalty is to peoples trust not the clients, they turned out to be a dishonest co.pany. and they have there own contractors that you have to use other wise you are penalized by the company very bad business and don't know how the state don't regulate them there steeling from the people and always raising rates.

  Business Response

  Date: 05/25/2024

  Peoples Trust Insurance (PTI)appreciates the time and effort spent by ***************************** (Insured) in raising his concerns to the Department. PTI thoroughly reviewed the claim and policy in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  On 4/17/2024, the Insured contacted PTI to report wind and hail damage to his shingle roof. At the time of reporting, the Insured stated he had a roofing company, Resolution Roofing, visit his home to install solar panels. Per the Insured, the company advised him that they were not able to install due to the damage to his roof. Insured further advised that he noticed some water staining in the living room area, but no active leaks or damage to the walls,baseboards, flooring and/or personal property. There were no repairs and/or mitigation completed and no tarp had been placed on the home. The shingle roof was last replaced in 2005 and the date of loss was reported as 1/9/2024. In light of the delay between the date of loss and date of reporting, PTI proceeded to issue a Reservation of Rights letter.
  
  Thereafter, on 5/13/2024, PTIs Field Adjuster inspected the home in order to determine the cause of loss and scope of damages. At the time of the inspection, PTIs Field Adjuster observed a 2005 architectural shingle roof with drip edge and no gutters. While the Field Adjuster observed only minor water staining to the ceiling in the living room, there was no wind or storm related damage to any of the roof slopes.Instead, PTIs Field Adjuster observed extensive wear and tear damage such as blistering and heavy granular loss, as well as prior repairs completed to the roof using different color shingles.
  
  Subsequently, on 5/17/2024, PTI issued its coverage determination letter advising that the loss is not covered by the policy in the absence of wind or hail damage and a weather created opening to the roofing system through which water entered. The letter goes on to cite the relevant policy language and advised the Insured to provide any additional information that comes to light which would require PTI to reassess its claims decision. That said, if the Insured has had the roof inspected by 3 roofing companies as stated in the BBB, please provide their reports and/or findings to PTI for review and consideration.
  
  As it relates to the Insureds policy premium, the prior policy, Policy No.: PFL420111-03 with effective dates of 4/9/2023 4/9/2024 had an annual premium of $4,064.00, whereas the current renewal policy has an annual premium of $5,041.00. The basis for the premium adjustment is explained on page 3 of the declarations page, but is based on wind loss mitigation features as well as building code grades.
  
  Should you have any further questions, please do not hesitate to contact me directly.
  
  Sincerely,
  *************************, Esq.
  Vice ********** ******* Counsel 

  Customer Answer

  Date: 05/27/2024

   

  .please see attached documents from Peoples Trust that was sent to me and my response to there response 

  Business Response

  Date: 06/04/2024

  Peoples Trust Insurance (PTI)appreciates the time and effort spent by ***************************** (Insured) in raising his concerns to the Department. PTI thoroughly reviewed the Insureds response letter dated 5/27/2024 and acknowledges the request for DFS Mediation.
  
  As mentioned in the prior response,  PTIs Field Adjuster observed extensive wear and tear damage such as blistering and heavy granular loss, as well as prior repairs completed to the roof using different color shingles. There was no evidence of wind or hail damage and/or a weather created opening to the roofing system through which water entered, which is required in order to trigger coverage under the subject policy.
  
  PTI understands the Insured has received conflicting information from other roofing companies so PTI urges the Insured to provide their reports and/or findings to PTI for review and consideration.
  
  Should you have any further questions, please do not hesitate to contact me directly.
  
  Sincerely,
  
  *************************, Esq.
  Vice ********** ******* Counsel 

• Initial Complaint

  Date:02/13/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  File a claim under my policy and it keep getting denied. They keep saying we don't have the coverage rich for the problem I'm not understanding that 2 different claims been denied with this company.

  Business Response

  Date: 02/23/2024

  This correspondence serves as Peoples Trust Insurance Companys (PTI) response to Case #:21287268. PTI appreciates the time and effort spent by ************************* (Insured) in raising his concerns to the Department. PTI thoroughly reviewed the claims in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  First and foremost, PTI would like to advise that the Insureds Policy, Policy No.:BFL648456-04 is a named peril policy. What this means is that only specifically enumerated perils are subject to coverage under the policy unless otherwise excluded in the Exclusions section. The specifically enumerated perils are as follows: (1) fire or lightning, (2) windstorm or hail, (3) explosion, (4) riot or civil commotion, (5) aircraft, (6) vehicles, (7) smoke, (8) volcanic eruption, (9) vandalism or malicious mischief, and (10) catastrophic ground cover collapse.
  
  Regarding claims the Insured has reported to PTI, the first claim, Claim No.:CFL22581790, was reported to PTI on 6/8/2022, as occurring on 6/4/2022. At the time of reporting, the Insured advised of rainstorm damage to the roofing system, as well as interior damage to the hallway ceiling. That same day, PTI issued the Homeowner Claims Bill of Rights via regular mail.
  
  Thereafter,on 6/15/2022, PTIs Field Adjuster inspected the home in order to determine the cause of loss and scope of damages. In light of his/her observations, the Field Adjuster prepared an estimate accounting for the covered damage(s), and on 6/24/2022 PTI issued its coverage determination letter. Within the letter, *** advised the Insured that his claim is covered and the insured would be indemnified by means of repair, in accordance with the policy. Accordingly, PTI timely elected its option to effectuate covered repairs through a preferred contractor, Rapid Response Team (RRT),pursuant to the terms and conditions of the Policy and its endorsements;however, the total cost of all covered repairs fell below the applicable deductible. Therefore, the letter explained that no repairs will commence unless and until there is a determination that the total cost of repairs exceeds the deductible, either by agreement by the parties or by way of the appraisal process. The letter goes on to explain all relevant policy language and endorsement, and also advised the Insured to submit a Sworn Proof of Loss and supporting estimate of their scope dispute in the event that they are not in agreement with PTIs assessment.
  
  In light of the *** Complaint, PTIs claims adjuster will be re-reviewing the file and the Latite Roofing Proposal submitted by the Insured in order to contact the Insured and discuss options to move forward with potential resolution.
  
  Regarding the more recent claim,Claim No.: CFL24601283, the Insured reported water damage on 1/24/2024, as occurring on 1/22/2024. Specifically, during the first notice of loss, it was reported that the bathroom on the first floor backed up, overflowed, and caused a flood. Water damage was reported to the walls, baseboards, vanity, carpet,and tiles located in the bathroom, hallway and living room. Additionally, the Insured advised a plumber was contacted and repairs were done. The following day, PTI issued the Homeowner Claims Bill of Rights via e-mail.
  
  Thereafter, on 2/1/2024, PTIs Field Adjuster inspected the home in order to determine the cause of loss and scope of damages. At the time of the inspection, ****************** stated that the drain line backed up causing water to pool on the flooring. As a result of the investigation, PTI issued a denial of coverage on 2/12/2024 on the basis that the reported loss did not result from one of the specifically enumerated perils insured against under the policy.
  
  Should you have any further questions, please do not hesitate to contact me directly.
  
  Sincerely,
  
  *************************, Esq.
  Vice ********** ******* Counsel 

• Initial Complaint

  Date:12/05/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received a letter in early November that said we need to get our roof inspected and then they would consider continuing coverage. We had ********* do an inspection as suggested by Peoples Trust but they only did Wind Migration and could not tell us if the roof needed to be replaced due to age. We then paid $400 for a roof inspection and waited for it and then sent it out on 11/28 or so when we received the report. I made an account for my 81 year old Father in Law today to help him with all this all of sudden frustration to see on 12/1/23 People's Trust has already put a DNR on the account due to not receiving the report. I believe they NEVER attended to renew the policy and they are a very distrustworthy company a this point. Since the inspection determined the roof has a good 3-5 years left and now we have to find other insurance People's Trust should refund the inspection cost!!!!

  Business Response

  Date: 12/19/2023

  Peoples Trust Insurance (PTI) would first like to advise that Policy No.:PFL343229-07 is currently effective and set to non-renew on April 10, ****. Per the Non-Renewal Notice, the reason for non-renewal is based upon the failure to comply with underwriting requirements. Specifically, the previously requested proof of repairs has not been received.
  
  Recently,PTI issued a Condition of Residential Property Form and repair memo on October 16, 2023, advising that due to the age and condition of the roofing system, a complete rolled roof replacement is required. The Insured was requested to provide the final roof permit, color photos, as well as a paid receipt, and further advised that any roof-overs or coatings would not be accepted and/or sufficient.
  
  In that same correspondence on October 16, 2023, PTI explained that *************** Services was available to conduct all Roof Certification Inspections as an alternative to a request for a roof replacement due to age on both new and renewal business policies. If *************** Services was able to determine that the roof has 5 years or more of useful life remaining, PTI could not non-renew or not accept the policy solely due to roof age.
  
  In this case, the licensed Home Inspector from *************** Services noted the roof in question was in unsatisfactory condition due to excessive granular loss. In light of this, PTI issued a Non-Renewal Notice on November 30, 2023, since the Insured did not comply with roof replacement or provide a Roof Certification Inspection,performed by PTIs authorized inspector, *************** Services.
  
  While PTI acknowledges the Insured submitted documentation on December 7, 2023, PTI advises that these documents are for a re-roofing proposal dated December 1, 2023, and do not provide any information evidencing the re-roof has yet been initiated and/or completed.However, once the requested roof replacement has been completed, the Insured needs to submit the requested documentation for continuation of coverage with PTI. Should the requested repairs not be completed before the policy expiration date, the policy is eligible to be reviewed for reinstatement within 45 days of the expiration date with acceptable proof of repairs completed by a licensed professional.
  
  Should you have any further questions, please do not hesitate to contact me directly.
  
  Sincerely,
  *************************, Esq.
  Vice ********** ******* Counsel