ComplaintsforUnited Security Insurance Company

• Initial Complaint

  06/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  CLAIM # **ULV25408 The total loss department will not get back in touch with us to resolve an accident on 4/12/20**.We were told to call and ask for ******* in the total loss department and we've, called numerous times, left Voicemails only to get no response.Taking days off work just not to miss a call back to resolve this matter isn't helping, we are at the final stages of this nightmare. ****** from First Chicago apologized to us, not realizing or letting us know the truth from the very beginning that our Insurance company is the sister company, the same entity as they put it to us as our insurance company.. The person that rear-ended us and was cited has the same insurance company so they made the wrong claim number from the very beginning, making this a very confusing situation, went as far as blaming us in the beginning for filing a claim against our insurance when we said numerous times when we went to court the at fault party showed the judge she had valid current insurance , the Judge gave me permission to write down her insurance information from her phone and we passed it along to first *******...we were told the police officer wrote FIRST UNITED/****************** insurance on the accident report and they didn't recognize it until I asked why they had the same address in ************ ,then ****** said the person that rear-ended us has the same insurance company as us, it's just first Chicagos sister company, the same entity.Lastly we just want to resolve this matter, we are customers still... made multiple car ********************** payments since the accident so a call back would be much appreciated. Thank you

  Business response

  07/02/2024

  July 2, 2024
  
  Complaint ID#:  ********
  Consumer: ***********************
  
  Please allow this to serve as our response to the above captioned matter.
  
  The complainant has accepted the total loss offer. Documents were sent to the complainants lien holder for check processing on 7/1/24.  Upon receipt of the lien holder documents payment will be issued to the lien holder for the account of the complainant.
  
  Respectfully,
  
  *********************
  Sr. Property Damage Director
  ************

• Initial Complaint

  06/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My claim was denied - Claim #**ULV27885 And I cant get in to contact with anyone Tried calling the Supervisor ****** and have left a voicemail at his direct line **************) but no answer.They denied the claim saying I did not file a police report for a hit and run in ** hours - my car was hit by a driver while it was parked and I do not have to file a police report in ********, hence why I called United Security Insurance as soon as seeing the damage. I called United Security Insurance the same day(05/23/20**) it happened and when I spoke to them they stated after filing the claim and giving me the claim # that I had no further action to take. Only to be told later when the claim is denied that I did not file a police report - this is a deceptive business practice and my rights and any policy exclusions were not explained to me during this initial call.

  Business response

  06/17/2024

  June 17, 2024
  
  Complaint ID#: ********
  Consumer: *********************
  Claim Number: 24ULV27885
  
  Please allow this to serve as our response to the complaint filed by *********************.
  
  The claim was reported by the Complainant on 05/23/24 advising his vehicle was hit by a hit and run driver this same date.
  
  This claim was assigned to an adjuster for investigation into coverage and liability on 5/24/24 and the vehicle was set up for an inspection on this same date. The complainant was sent a contact storage mitigation letter on 5/23/24.  The adjuster called the complainant on 5/31/24 and obtained his recorded statement of loss facts.  The complainant confirmed the details of the loss and confirmed that no police report was filed for this incident.
  
  On 6/12/24 the claim was denied for coverage as the complainant failed to file a police report for the hit-and-run accident within 24 hours of the incident. 
  
  It is never easy for an insurance company to deny a claim, nor is it easy for an individual to accept the denial. However, based on the aforementioned the Company feels it has handled the claim accordingly.
  
  Respectfully,
  
  *********************
  Sr. Property Damage Director
  Phone: ************
  
  
  
  
  

• Initial Complaint

  03/04/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was in a car accident on 12/12/20**. I filed a claim with H31343030373**7343638H H3**83431313331313637H roughly 12/21/**. I took the car in for an estimate to Auto Collision in ********** on 12/19/**. Since then the only thing I have received from them is a claim #**ULV19209 and an estimate via email. I have called both H31343030373**7343638H H3**83431313331313637H and *********************** from **** H3330333**53**6373636H. I have since called both companies 25 times with no resolution. I have filed a complaint with the ******** Commissioner of H3330333**53**6373636H and am now asking for your help to resolve this issue. All I would like to do is get my car fixed and be reimbursed for any out of pocket rental expenses in a timely fashion. I would also like to be reimbursed for my deductible since they will be suing the H3**03**5393030353932H that is responsible for the accident. I have never received a call from the adjuster and when I spoke with ******* on January 30,24 she said she was putting a check in the mail. This H3**03**5393030353932H should not be in business and shame on Brya H3330333**53**6373636H for representing them. Thank you for your time.

  Business response

  03/06/2024

  March 5, 2024
  
  Complaint ID#:  ********
  Consumer: *******************
  Claim Number: 23ULV19209
  
  Please allow this to serve as our response to the above captioned matter.
  
  The claim was reported by the complainant on 12/14/23 advising a driver not listed on her policy was rear ended by another vehicle on 12/12/23.
  
  This claim was assigned to an adjuster for investigation into coverage and liability and the vehicle was set up for an inspection for damage.  On 12/27/23 the complainants estimate was received.  On 1/4/24 the complainant was provided with a status on the claim.  ********** report was received on 1/19/24 and on 1/30/24 coverage was resolved on this date for the driver that was not listed on the policy and coverage was afforded for the claim.  The complainant was called on 1/30/24 and advised of the approval of the claim.  The complainant advised on her shop of choice for repairs at this time.  A copy of the complainants estimate was sent to her body shop and payment was requested to be issued. The complainant was advised payment would be sent to the shop and supplement and rental procedures were explained to her.  On 2/14/24 the complainant was called to see if she had a rental invoice for reimbursement and a message was left on her voicemail.  On 3/4/24 the adjuster contacted the complainant to remind her the payment was sent to her shop of choice for the vehicle repairs and again requested any rental invoice for reimbursement as no invoice has been received to date.  On 3/5/24 the complainant contacted the adjuster and advised the check was not received by the body shop.  A stop payment was requested on the original check issued and a new check was requested on this date.  The complainant was advised on this date that the check will be sent certified to her bodyshop of choice, Crash Champions.  The complainant sent the adjuster an email from ************************ advising that she does not have a rental invoice for reimbursement at this time.  The file has been referred to our subrogation collections department for the funds paid by the company and the insureds deductible.  Upon repayment from the at fault carrier the insured will be reimbursed her deductible accordingly. 
  
  Upon receipt of the rental invoice from the complainant it will be reviewed for payment consideration.
  
  Respectfully,
  
  *********************
  Sr. Property Damage Director
  Phone: ************

  Customer response

  03/07/2024

   
  Complaint: 21380708
  
  I am rejecting this response because: The check was never sent to Crash Champions in ********** so I am still unable to get the car repaired. As of todays date the only thing that I have received is a claim # and an estimate for repair. I have been told at least 3 times the check is in the mail. 
  
  Sincerely,
  
  *******************

  Business response

  03/11/2024

  March 11, 2024
  
  Complaint ID#:  ********
  Consumer: *******************
  Claim Number: 23ULV19209
  
  Please allow this to serve as our response to the above captioned matter.
  
  The original check was issued to Crash Champions on 2/12/24 under check number 15965.  This check was requested to be stopped paid and a new check was requested on 3/5/24 to Crash Champions under check number 16070.  This check is being sent certified mail under tracking number Label # **********************.
  
  Respectfully,
  
  *********************
  Sr. Property Damage Director
  Phone: ************
  

  Customer response

  03/11/2024

   
  Complaint: 21380708
  
  I am rejecting this response because: As of today 3/11/24 a check has not been received to have the car repaired.
  
  Sincerely,
  
  *******************

• Initial Complaint

  02/13/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Ive been waiting on a women named ************************* to give me a call about my car I wrecked almost 2 months ago now it took her a month to contact my step dad over my insurance claim and she got my phone number and was supposed to call me the next day and has yet to do so and Im fixing to get sued over this car now all over a simple recorded phone call getting more information from me about the incident and Ive called and left her numerous messages theyve left recordings on her phone line with my name and number and she still hasnt contacted me.

  Business response

  02/26/2024

  February 26, 2024
  
  Complaint ID#: ********
  Consumer: *****************************
  Claim Number: 23UAR19769
  
  Please allow this to serve as our response to the above captioned matter.
  
  The Company received notice that the insured vehicle was involved in a loss wherein they struck a deer. Upon launching our investigation it was determined that the insured vehicle was being driven by the Complainant who was an unscheduled owner/operator/household member. Our insureds failure to disclose the Complainant as an owner/operator/household member is a serious misrepresentation of their policy and the Company is actively investigating coverage under a reservation of rights.
  
  The Company has been in contact with the Complainant as recently as 2/15/24 to obtain their statement and we will maintain communication as we continue to investigate the policy misrepresentation and whether coverage will apply.
  
  Respectfully,
  
  ***************************
  Property Damage Director
  Phone: ************
  
  

• Initial Complaint

  01/26/2024

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  MY *** WAS HIT ON 11-13-23 BY A BEIGE *********** OWNED BY ****** ***************************. THE DRIVER OF THE *** DIDN'T STOP AND CONTINUED ON HIS/HER WAY. I FILED A CLAIM WITH MY INSURANCE COMPANY IN ORDER TO GET OWNER AND INSURANCE INFORMATION. MY INSURANCE COMPANY HAS CALLED FIVE TIMES (AND LEFT MESSAGES) IN ORDER TO FILE A CLAIM WITH THIS COMPANY. THEY HAVE NOT RECEIVED A RETURN CALL. I ALSO CALLED THIS COMPANY DURING BUSINESS HOURS AND NOONE ANSWERED. I LEFT A VOICEMAIL. THIS SEEMS TO BE THE RUNNING THEME WITH THIS COMPANY.

  Business response

  02/06/2024

  February 6,2024
  
  BBB#********
  Claim Number:CLM00009669
  
  The loss was reported by the complainant on 1/26/24 and their vehicle was routed for inspection. The claim is currently open pending contact with our insured.
  
  Respectfully,
  
  Claims Department
  Phone:************

  Customer response

  02/06/2024

   
  Complaint: 21205070
  
  I am rejecting this response because:  The appraiser claimed they would come by to inspect my vehicle on 1-30-24 between the hours of 10am and 2pm.  The appraiser neither showed nor called to reschedule. 
  
  Sincerely,
  
  *************************

  Business response

  02/13/2024

  February 13, 2024
  
  BBB#********
  Claim Number: CLM00009669
  
  We are writing in response to your complaint filed with BBB regarding your vehicle damage.  We want to assure you that we are actively working to resolve your claim.  We have now completed the inspection of your vehicle and are currently reviewing the repair estimate.  We understand you are eager for a resolution, and we are committed to processing your claim efficiently and fairly.
  
  Once we have finalized our review of the estimate,we will be in touch with you within 1-2 business days to discuss the next steps and our proposed resolution.  We understand that the damage to your vehicle can be stressful, and we value your patience and understanding as we work to resolve this matter.
  
  Respectfully,
  
  *********************************************** Claims PD Director
  ************** office
  ************** fax
  ***********************************************
  

• Initial Complaint

  11/29/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Their customer was in an accident with my daughter. 10/10/2023. Their customer ran a stop sign and totaled our vehicle. My daughter had to ride by ambulance to the hospital. My daughter not only lost a car, has trauma, and she lost her job because she had no way to get to and from. It is now 11/29/23 and nothing has been done. No settlement, no rental, no bills paid.

  Business response

  12/11/2023

  December 11, 2023
  
  Complaint ID#: ********
  Consumer: *****************************
  Claim Number: 23UAR16106
  
  Please allow this to serve as our response to the above captioned matter.
  
  The Company has completed an investigation into the aforementioned claim. We have determined that we will be affording coverage and accepting liability with comparative negligence to be assessed against the Complainant.
  
  The file has been transferred to our total loss department for further handling. They await a completed valuation from the 3rd party vendor CCC, upon receipt we will present a prompt and fair settlement offer. We left a voice message for the Complainant as recently as 12/7/23 to provide an updated status.
  
  Based on the aforementioned we again believe we have acted accordingly in our handling of the claim.
  
  Respectfully,
  
  ***************************
  Property Damage Director
  Phone: ************
  

• Initial Complaint

  11/22/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  On Nov 14, my car was involved in a deer/car accident. I filed a claim as soon as the officer finished her report. I called the insurance company, First *******, which is a division of United Security Insurance Company, the next morning. To no *****, I have not heard anything back from them except for a letter about storage fees and telling us to contact **** immediately. I have been calling **** and anyone that I can get a number for that does not go to voicemail daily. It has been over a week. I would appreciate a fair resolution or all the monies back that I have paid since July 2023 since I am not receiving the service I have paid for.

  Business response

  12/04/2023

  December 4, 2023
  
  Complaint ID#: ********
  Consumer: ******************* *******
  Claim Number: 23INV17906
  
  Please allow this to serve as our response to the complaint filed by ******************* *******.
  
  The loss was reported by the Complainant via an online notice on 11/14/23 advising their vehicle was involved in a loss with a deer. The loss occurred within 13 days of a lapse in coverage, and the vehicle was being driven by an unscheduled operator therefore the Company launched a coverage investigation.
  
  The Company mailed a storage mitigation/claim acknowledgment letter to the Complainant on 11/21/23 & we ordered a copy of the crash report.
  
  On 11/22/23 the Company called the Complainant twice (2x) and left voice messages. The Company also received a copy of the crash report on 11/22/23 confirming the facts of loss. The Complainant vehicle was scheduled to be moved to our storage free facility to assist the Complainant in mitigating damages and the vehicle was scheduled for inspection with an independent appraiser.
  
  The Company left additional voice message(s) for the Complainant on 11/27/23. On 11/29/23 the Company was able to obtain statement(s) from the Complainant and the unscheduled operator.At this time coverage appears in line. The Company is awaiting the finalized inspection report from the independent appraiser at which time we will review to resolve the claim.
  
  The Company has maintained consistent contact with the Complainant and came to a swift determination on coverage despite multiple coverage concerns. Based on the aforementioned we believe we have acted accordingly in our handling of the claim.
  
  Respectfully,
  
  ***************************
  Property Damage Director
  Phone: ************
  

  Customer response

  12/05/2023

   
  Complaint: 20904639
  
  I am rejecting this response because: **** only called me 1 time. I answered. He called my daughters phone which she has nothing to do with it. We had just received the invoice payment was due as well as they were going to cancel it if not paid by a date which I paid as soon as my husband's check came. He is a disabled veteran and we live a fixed income which I explained to the third part when we started the policy. We have since cancelled the policy and chose a more reputable company.  Furthermore,  I received a call from their claims department asking if I needed to file a claim? If they take this long to follow up with a call I made on Nov 15th, there are some serious issues. 

  
  
  Sincerely,
  
  ******************* *******

  Business response

  12/11/2023

  December 11, 2023
  
  Complaint ID#: ********
  Consumer: ******************* *******
  Claim Number: 23INV17906
  
  Please allow this to serve as our response follow-up to the complaint filed by ******************* *******.
  
  There has been no new information presented by the Complainant since our original response and our timeline remains the same as previously stated.
  
  Since our last response the Company has received the Complainant vehicle estimate from the independent appraiser and the file has been transferred to our total loss department for handling. We are finalizing the valuation through our 3rd party vendor CCC and we hope to reach an amicable resolution to the total loss claim. The Company was in contact with the Complainant on 12/6/23 to provide status.
  
  Based on the aforementioned we again believe we have acted accordingly in our handling of the claim.
  
  Respectfully,
  
  ***************************
  Property Damage Director
  Phone: ************

• Initial Complaint

  11/21/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My vehicle had been hit at the dentist I was unaware of the accident till I got home submitted a claim 11/7/** claim # **ulv17467 a adjuster came to my home Friday 11/10/** took pictures and told me I would be receiving a email in 2or3 days never received a email Or a call from the H33333**3353036333830H H3**03**5393030353932H on 11/15/** I Call the H33333**3353036333830H H3**03**5393030353932H in regards to the email and Some woman from the H33333**3353036333830H H3**03**5393030353932H tells me That nobody should have said I was going to receive an email at all that the person handling my case was *******, ******** or ****** And she just needed a statement and it to be sent to the underwriter 11/16/** I call back Because again, nobody has reached out to speak to me leave a message on ******** voicemail no return call 11/17/** I called back and spoke to another woman from the H33333**3353036333830H H3**03**5393030353932H in underwriting and asked her whats going on I havent had any return phone calls I left messages and she tells me that I need an adjuster sent to my house And I explain to her that the adjuster already came and she now is the 2nd person with a different story and Im getting the run around and reading the complaints this H3**03**5393030353932H has this is ******** she just says theres nothing I can do shes in Underwriting Im going to transfer you to claims and I said why would you transfer me to claims so they can send me to a voicemail and not return my call, but you just took a peek at my case and told me anything So I tell her her information is useless I know who is handling my case and I know whats going on can she just transfer me to ******* again left messages no return calls or herd from the H3**03**5393030353932H since the adjuster came besides when I reached out

  Business response

  11/30/2023

  November 30, 2023
  
  Complaint ID#:  ********
  Consumer: *********************
  Claim Number: 23ULV17467
  
  Please allow this to serve as our response to the complaint filed by **********************
  
  The claim was reported by the complainant on 11/7/23 advising her vehicle was parked and unoccupied when it was hit on 11/3/23.
  
  The claim was assigned to an adjuster for an investigation into coverage and liability on 11/7/23.  The complainants vehicle was set up for an inspection for damages the same date.  A contact storage mitigation letter was sent to the complainant on 11/10/23 to confirm details of the accident and supporting information.  On 11/15/23 the complainant was advised on the status of the claim and the need for a recorded statement from the adjuster.  The complainants estimate was received by the adjuster on 11/22/23. Another call was placed to the complainant on 11/30/23 to obtain a recorded statement from the complainant but the voicemail is full, and no message could be left.   A second call was placed again to the complainant in the afternoon with no answer and no option to leave a message.  An e-mail was sent to the complainant at  ***********************  to contact the adjuster for this statement.
  A letter was sent to the complainant also requesting contact by the adjuster on 11/30/23.
  
  The adjuster is actively working to obtain the recorded statement from the complainant for this loss to resolve coverage for this claim.  
  
  Respectfully,
  
  *********************
  Sr. Property Damage Director
  Phone: ************
  
  

  Customer response

  12/03/2023

   
  Complaint: 20899958
  
  I am rejecting this response because: no where in my policy states a police report needs to be filed before any claim is made and why would someone even continue to make a claim for me in the claims department when I stated on the Initial call, no police report was made. I didnt see the damages until a day or two later. I just feel like the claims department when I had mentioned that I did not have a police report should have stopped me and stated we can no longer go further with this claim due to the fact of a police report wasnt made and thats in your policy, you have to have one
  
  Sincerely,
  
  *********************

  Business response

  12/10/2023

  December 10, 2023
  
  Complaint ID#:  ********
  Consumer: *********************
  Claim Number: 23ULV17467
  
  Please allow this to serve as a follow response to the complaint filed by **********************
  
  The adjuster was able to reach the complainant and obtain a recorded statement on 11/30/23 confirming the details of this loss. 
  
  On 12/5/23 the claim was denied for coverage due to policy conditions listed on page 15 of the complainants policy, for failing to report the incident to the police department within 24 hours of the hit-and-run motor vehicle accident.  ********** states in part:
  
  8. Notice to Us of Loss or Accident
  The following address may be used for any notice to us described below:
  First ******* Insurance Company
  Claims Department
  P.O. Box ******
  *******, ** 60638-9508
  (a)As soon as practicable, you or your legal representative shall provide notice to us of any loss or accident involving an insured person or insured auto with respect to which this policy may apply, but in no case later than 30 days.
  (b)As soon as practicable, you shall submit a report in writing and shall identify all insured persons and/or insured autos involved in such loss or accident and all reasonably obtainable information with respect to time, place, circumstances, persons and entities involved, including the names and addresses of available witnesses.
  (c)The insured person shall immediately forward to us every demand, notice, summons or legal paper that the insured person or his/her representative receives together with the insured persons current residential address and current residential telephone number. All such reports and documents shall be delivered to us.
  (d) In the event an insured person or insured auto is involved in an incident with a hit-and-run motor vehicle,and insured person shall report the incident to the police department with jurisdiction over the place where the incident took place within 24 hours of when the incident occurred. The insured person shall report the incident to us within 30 days of the date of the incident.
  (e)In the event of a theft loss to or from an insured auto, an insured person or his/her representative shall report the theft, within 24 hours of becoming aware of the theft, to the police department with jurisdiction over the place where the theft occurred.
  
  We have no obligation to provide coverage under this policy unless there has been full compliance with the above conditions. Moreover, we are not obligated to pay, and shall not pay, any sum that the insured person will be legally obligated to pay as a result of lawsuit unless we receive actual notice of the suit before any judgment has been entered.
  
  On 12/5/23 the complainant was called and advised of the denial and a letter was sent of same. 
  
  Respectfully,
  
  *********************
  Sr. Property Damage Director
  Phone: ************
  
  
  
  
  
  
  

  Customer response

  12/11/2023

   
  Complaint: 20899958
  
  I am rejecting this response because:
  I do not have a policy that I signed stating what protocol is in the policy procedures you are providing  also, I was never contacted by email or received any letters by mail in Regards of a mitigation letter. And I gave One statement prior Before I had to contact better business to get a response from my insurance company So Im asking, could you please provide me with a policy that I signed that states that Again, the policy that I signed nowhere in the policy makes me aware of the conditions to the policy stated above
  Sincerely,
  
  *********************;

  Business response

  12/13/2023

  December 13, 2023
  
  Complaint ID#:  ********
  Consumer: *********************
  Claim Number: 23ULV17467
  
  Please allow this to serve as a follow response to the complaint filed by **********************
  
  Attached is the signed auto application with a copy of the auto policy for the complainant.  The policy section for reference is on page 14 under section 8.  Notice to Us of Loss or Accident.  The denial letter was sent via regular mail to the address we have on file confirming the conversation with the adjuster on 12/5/23, a copy is enclosed.
  
  Respectfully,
  
  *********************
  Sr. Property Damage Director
  Phone: ************
  

• Initial Complaint

  11/13/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On September 2nd, 2023 in ****** ** I was involved in an accident where their insured pulled out infront of me, not yielding correctly and caused a 3 car accident (I have a dash camera so it was all caught on camera. Sent to the insurance company) . I t-boned their insured due to them running a light and upon impact I broke my wrist. I had surgery and got a plate and six screws in my right hand and I am going through recovery. My attorney has had no luck staying in contact with this company trying to resolve my claim. They took 100% liability and totaled my car then proceeded to not answer my attorney back going on 3-4 weeks now. My surgery was 46k and I am paying out of pocket weekly for physical therapy. This company will not communicate and will not return phone calls, and it is impossible to get a human being on the line. I have had my totaled car for over a month since they already deemed it a total loss. I have no rental. It is extremely unprofessional and wrong to ignore a claim and situation of this matter. The wreck happened 09/02 and its now 11/13 and nothing has been resolved, and I havent received any financial compensation for my surgery as well as my totaled car. Itd be different if liability was still a question but there is video evidence of the matter, they already took 100% fault and totaled my car. There is no reason why communication should be cut short at this point.

  Business response

  11/27/2023

  November 27, 2023
  
  
  BBB ID:                 20863845
  Complainant:     *************************
  Claim:                    CLM00006219
  
  The ***************************** was contacted on 11/3,11/14, and 11/22, and 11/27 with the total loss settlement offer and a message was left with the Receptionist for a call back. The Attorney, ***** contacted the Company on 11/27 and the offer was extended. The Attorney advised she would contact the Complainant and contact the Company back after she was able to present the offer to her and confirm the location and title of the vehicle. The Attorney requested Loss of Use for the Complainant, which was added to the Complainants total loss offer.
  
  Respectfully,
  
  *******************************
  Phone ************
  Total Loss/Salvage Manager
  ***********************************************
  

• Initial Complaint

  10/31/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Claim # **UAR14583 I have been calling and leaving messages and they never call me back. I haven't received any response from them and I just want my car to get fix. It shouldn't be like this, it's just annoying.

  Business response

  11/12/2023

  November 12, 2023
  
  Complaint ID#: ********
  Consumer: ***************************
  Claim Number: 23UAR14583
  
  Please allow this to serve as our response to the above captioned matter.
  
  The Company has denied coverage for the claim as there was no active policy at the time of the loss. The Company has been in contact with the Complainant as recently as 11/1/23 &11/3/23 to advise of the same.
  
  It is never easy for an insurance Company to deny a claim nor is it easy for an individual to accept a denial but based on the aforementioned we believe we have acted accordingly in our handling of the claim.
  
  Respectfully,
  
  ***************************
  Property Damage Director
  Phone: ************

*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. ↩