ComplaintsforAmerican Modern Property and Casualty Insurance Company

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Initial Complaint
09/30/2024
Complaint Type:
Service or Repair Issues
Status:
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.
We had a hailstorm damage our buildings on May 21st of 2024. Claim was made to our insurance company on May 22nd of 2024. The adjuster came out and looked at the damage soon after (Last week of May). After receiving the report from the insurance agency, our roofing/siding contractor disagreed upon the amount of damage that the storm caused. I then called them and requested a revisit to create a new report to include all the damage that done by the storm. They scheduled a revisit for July 7th. My contractor and the field agent met me there to go over the claim. He (the Insurance field agent) agreed that there was more damage than initially appeared. I waited to hear back from the Insurance company on the claim, until July 29th of 2024, when i sent our Agent an email requesting a status update. I received an automatic reply saying the agent was out of town until August 8th. On August 16th I again emailed the agent requesting a status update. She replied that the claim was "inline and ready for review." So, I replied okay. I then waited another month, until September 16th, and sent her another message asking for an update. As of today (September 30th, 2024) I still have not gotten a response or an update on our claim. It has been 131 days since the claim was filed, with no real response or action been taken to assist us with the claim on our buildings.
Business response
10/07/2024
October 7, 2024
BBB Serving Southern OH, NKY, SE IN
1 E. 4th, Suite 600
Cincinnati, OH 45202

Attention: ***** ********, Marketplace Resource Consultant

RE: BBB Complaint #: ********
Complainant: ****** *******
Insured: ****** *******
Claim Number: ********
Date Of Loss: May 21, 2024
Policy Number: *********
Company: American Modern Property and Casualty Insurance Company
NAIC Number: *****

Dear *** ********,

I am writing in reference to the above claim and inquiry received in our office on September 30,
2024. American Modern Property and Casualty Insurance Company (the “Company”) appreciates
the opportunity to respond to the Better Business Bureau regarding the complaint filed by Daniel
*******.

The Company issued initial payments on June 7. 2024, as follows:
Dwelling Total: $8,732.17
Other Structures Total: $5,870.17
Personal Property Total: $1,500.00
On June 26, 2024, the insured contractor requested reinspection of the damages to the dwelling and
other structures. The reinspection occurred with the independent adjuster and the insureds
contractor in order to reach an agreed-upon cost of repairs. After reviewing the reinspection report,
it was confirmed additional damage was sighted during the reinspection, and the adjuster
requested authority to issue a supplemental payment to the insured.
On October 2, 2024, two supplemental payments were issued—$2,059.91 for the other structure
and $3,784.76 for the dwelling. The adjuster called the insured the same day and left a voicemail
regarding the supplemental payments.
Should you require additional information or wish to discuss further, please contact me via email at
*******************.

Sincerely,

Emmaline R*******
Regulatory Compliance Project Manager

Business response
10/07/2024
October 7, 2024
BBB Serving Southern OH, NKY, SE IN
1 E. 4th, Suite 600
Cincinnati, OH 45202

Attention: ***** ********, Marketplace Resource Consultant

RE: BBB Complaint #: ********
Complainant: ****** *******
Insured: ****** *******
Claim Number: ********
Date Of Loss: May 21, 2024
Policy Number: *********
Company: American Modern Property and Casualty Insurance Company
NAIC Number: *****

Dear Ms. ********,

I am writing in reference to the above claim and inquiry received in our office on September 30,
2024. American Modern Property and Casualty Insurance Company (the “Company”) appreciates
the opportunity to respond to the Better Business Bureau regarding the complaint filed by ******
*******.

The Company issued initial payments on June 7. 2024, as follows:
Dwelling Total: $8,732.17
Other Structures Total: $5,870.17
Personal Property Total: $1,500.00
On June 26, 2024, the insured contractor requested reinspection of the damages to the dwelling and
other structures. The reinspection occurred with the independent adjuster and the insureds
contractor in order to reach an agreed-upon cost of repairs. After reviewing the reinspection report,
it was confirmed additional damage was sighted during the reinspection, and the adjuster
requested authority to issue a supplemental payment to the insured.
On October 2, 2024, two supplemental payments were issued—$2,059.91 for the other structure
and $3,784.76 for the dwelling. The adjuster called the insured the same day and left a voicemail
regarding the supplemental payments.
Should you require additional information or wish to discuss further, please contact me via email at
********************

Sincerely,

E******* R*******
Regulatory Compliance Project Manager
Initial Complaint
09/26/2024
Complaint Type:
Service or Repair Issues
Status:
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.
I am an Agent who brokered a policy through AmMod. My client had their bank account compromised, we updated the payment information through the companies website. We show the update was completed on 8/7/24 and have a screen shot for proof of this. Screenshot has PII so I will not upload it to this claim. Their system did not update until a full month later after a second nsf was processed on the clients former bank account. The client was cancelled due to this second nsf. We attempted to rewrite the business after speaking to a rep from the company since the nsf was due to an issue in their system. Due to the cancellation we needed underwriting approval to process the rewrite. While waiting for underwriting approval we called a few times for updates and were told it was being worked on and we would be updated once they were done. On 9/24 I spoke with an agent who stated that there was a 5 business day wait for it to be processed through UW and that 5 days started on 9/18 when an underwriter had put a note in, instead of the 9/16 date that the policy was sent in for review and would be done by EOD 9/25. I called today 9/26 and was told that it was declined on 9/18 and they would not override it as they had no proof what we were saying was true even though we had sent the screenshot in showing it was updated a month before their system did it. I asked why I was not informed of this during my phone call 2 days prior and the agent stated they didn't know. I asked what had happened to the screenshot we sent in that an agent had put a note in about on 9/16. Agent stated they showed no screenshot attached to the note nor did she show the screenshot being sent to UW. She stated there was nothing they could(would) do for the client and that it was declined and they would not allow us to write through them. Their system has caused undue stress on our client as well as putting a cancellation on her insurance history and causing her to go without insurance for 3 weeks.
Business response
09/30/2024
Good morning,
I have emailed *** **** requesting customer and policy information. At this time, I have not heard back.
Sincerely,
Michelle P****
*******************
Initial Complaint
09/18/2024
Complaint Type:
Service or Repair Issues
Status:
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.
After having and paying on time for insurance policy for my home . I have 1 claim in 16 years and they cancel my policy.
Business response
09/24/2024
September 24, 2024
BBB Serving Southern OH, NKY, SE IN
1 E. 4 th , Suite 600
Cincinnati, OH 45202

Attention: ***** ********, Marketplace Resource Consultant

RE: BBB Complaint #: ********
Complainant: ******* ********
Insured: ******* ********, ******** ********
Policy Number: *********
Company: American Modern Property and Casualty Insurance Company
NAIC Number: *****

Dear Ms. ********,

I am writing in reference to the above claim and inquiry received in our office on September 18,
2024. American Modern Property and Casualty Insurance Company (the “Company”) appreciates
the opportunity to respond to the Better Business Bureau regarding the complaint filed by Randall
********.

At this time, the policy’s non-renewal has been lifted. The insured will need to contact their agency
to determine what documentation is needed for the proof of repairs to ensure that the current
policy term remains active.

I trust that our response will satisfy your inquiry. Should you require additional information or
wish to discuss further, please contact me via email at [email protected] .

Sincerely,

M******* P****
Regulatory Compliance Project Manager
Initial Complaint
09/12/2024
Complaint Type:
Service or Repair Issues
Status:
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.
I have a current policy for renters insurance via eRenterPlan that’s unwritten by American Modern and have had said policy since moving into my current residence in April of 2023. Per my policy, I have a $250 deductible for food spoilage/ food cost due to electrical problems with refrigeration. I had to have my refrigerator/freezer replaced by my apartment maintenance staff after initial attempts to fix the one I had were unsuccessful. I lost $790 worth of food in my fridge/freezer and incurred $400 in food costs having to eat out with my son for several days. (I don’t have a car so food delivery costs incurred and are included in total as well.). My total loss was $1190. Factoring in the deductible I’m owed $940. I filed my claim 13 days ago. After missing the one and only call I received from my assigned claim agent (that was never followed up with any email nor accompanied by a voicemail or a text). I promptly returned the call on the same day, No answer no reply. Since then I’ve left daily voicemails for my agent. No answer. No call back. Two days ago, I called the main phone number for American Modern and after waiting on hold an hour I was given my agent’s supervisor’s name and number when the customer service agent couldn’t get ahold of either. Left him a voicemail. Nothing. I called back and after another long wait I was put on hold as that customer service agent tried to contact both my claims specialist and her supervisor like the previous employee had tried to. But instead of getting another human back on the line I was transferred to a customer survey after another 10 minutes on hold. My credentials for some reason aren’t allowing me to log into either company’s online portal with policy number or claim number, (eRenterPlan or American Modern.)
Business response
09/17/2024
September 17, 2024
BBB Serving Southern OH, NKY, SE IN
1 E. 4th, Suite 600
Cincinnati, OH 45202

Attention: ***** ********, Marketplace Resource Consultant

RE: BBB Complaint #: ********
Complainant: ******* *******
Insured: ******* *******
Date of Loss: August 26, 2024
Claim Number: ********
Policy Number: *********
Company: American Modern Home Insurance Company
NAIC Number: *****

Dear *** ********,

I am writing in reference to the above claim and inquiry received in our office on September 12,
2024. American Modern Property and Casualty Insurance Company (the “Company”) appreciates
the opportunity to respond to the Better Business Bureau regarding the complaint filed by *******
*******.

The Company received notification of the above referenced claim on August 30, 2024, with a
reported date of loss of August 26, 2024. On September 3, 2024, the adjuster attempted contact
with the insured and left a voicemail to discuss the claim. Information request letter was sent to the
insured requesting a telephone number to reach them at during the day. On September 5, 2024, the
adjuster attempted to reach the insured again, but was unable to leave a voicemail. On September
13, 2024, the adjuster spoke to the insured to discuss the loss. The loss was caused from a
mechanical failure to the refrigerator. The loss was not the result of a named peril insured against.
The claim has been denied.

I trust that our response will satisfy your inquiry. Should you require additional information or
wish to discuss further, please contact me via email at *******************.

Sincerely,

Julie L*****
Regulatory Compliance Project Manager
Initial Complaint
09/12/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I filed a claim for a stolen bike a few months back. The service took incredibly too long and the process was confusing and the communication was seriously lacking. I was working with Kendra M***** and was rarely given updates without having to ask for them. Now, post receiving the funds, I have been trying to get some sort of paperwork with the details of the claim (what was covered, what was paid, and deductible information) for my records. Kendra has been dodging my emails and calls and claims she has been trying to call me, but I have zero missed calls and zero voicemails. I have emailed her numerous times over the last week with absolutely no response. Incredibly unprofessional company and will not be continuing with them when my policy is over.
Business response
09/19/2024
September 19, 2024

BBB Serving Southern OH, NKY, SE IN
1 E. 4th, Suite 600
Cincinnati, OH 45202

Attention: ***** ********, Marketplace Resource Consultant

RE: BBB Complaint #: ********
Complainant: ****** *******
Insured: ****** *******
Date of Loss: June 29, 2024
Claim Number: ********
Policy Number: *********
Company: American Modern Home Insurance Company
NAIC Number: *****

Dear *** ********,

I am writing in reference to the above claim and inquiry received in our office on September 12, 2024.
American Modern Home Insurance Company (the “Company”) appreciates the opportunity to respond
to the Better Business Bureau regarding the complaint filed by ****** *******.

The Company received notification of the above claim on June 29, 2024, with a reported date of loss
being the same date. The adjuster attempted to reach the insured via phone on July 1 and left a voice
message. The adjuster sent the required documentation to the insured on July 2. The adjuster received
an email from the insured on July 10. The review was completed on July 31, and the adjuster called the
insured to discuss the coverage decision; a voicemail was left. A replacement cost letter was mailed to
the insured, and the following payment was issued on August 1, 2024:

Replacement Cost Value $853.93 bike with tax
Less Deductible -$250.00
Less Recoverable Depreciation -$79.90
Payment Issued $524.03

On September 13, 2024, the adjuster emailed the insured an updated replacement cost letter, including
the payment breakdown.

I trust that our response will satisfy your inquiry. Should you require additional information or wish to
discuss further, please contact me via email at *******************.

Sincerely,
Emmaline R*******
Regulatory Compliance Project Manager
Customer response
09/19/2024
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.

Regards,

****** *******
Initial Complaint
09/11/2024
Complaint Type:
Billing Issues
Status:
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.
On August 1, 2024 American Modern Insurance cashed my check for payment on a policy. On August 2, 2024 they withdrew the money from my checking account (EFT). Upon finding the mistake I called my agent. She was told that they would write a check in 3 weeks. So they say they wrote a check on August 21, 2024 and mailed it but as of September 11, 2024 I still have no check. I was also told today that they could write another check at which time I told them that was totally unacceptable. When i called today they said it would be 5-10 business days to process the refund and possibly another 5-10 on my banks end to receive in my account. Which is totally fictitious! Please help! This is one of the biggest scams I've ever heard of. They have my routing number and bank information. That's how they withdrew the money. Put the money back in my account the same way you took it out! Thanks for your help.
Business response
09/17/2024
September 17, 2024

BBB Serving Southern OH, NKY, SE IN
1 E. 4th, Suite 600
Cincinnati, OH 45202

Attention: ***** ********, Marketplace Resource Consultant

RE: BBB Complaint #: ********
Complainant: **** ******
Insured: **** ******
Policy Number: *********
Company: American Modern Property and Casualty Insurance Company
NAIC Number: *****

Dear *** ********,

I am writing in reference to the above inquiry received in our office on September 11, 2024.
American Modern Property and Casualty Insurance Company (“the Company”) appreciates the
opportunity to respond to the Better Business Bureau regarding the complaint filed by ****
******.

The above referenced policy was issued effective July 10, 2023. The policy was enrolled our
automatic payment program, *****, to be paid in full annually. The renewal offer for the 2024-
2025 policy term was mailed to the policyholder on June 2, 2024. On June 3, 2024, an installment
scheduled was mailed to the policyholder advising the annual premium of $1,258.00 would be
automatically deducted on August 1, 2024.

On August 1, 2024, payment of $1,258.00 was automatically applied. A second payment for
$1,258.00 was also received by mail on the same day. A full refund of $1,258.00 was mailed to the
policyholder on August 21, 2024. *** ****** advised the check was not received. Payment was
stopped on the refund check sent by mail. The refund was returned to *** ****** electronically
on September 13, 2024.

Should you require additional information or wish to discuss further, please get in touch with me
via email at *******************.

Sincerely,
Julie L*****
Regulatory Compliance Project Manager
Initial Complaint
09/10/2024
Complaint Type:
Service or Repair Issues
Status:
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.
I am a general contractor, owner of a company involved with an insurance claim through American Modern Insurance Group. My client is a policy holder with them. We were assigned a claim agent over 4 months ago for a roof repair that was damaged by heavy wind during a storm. Since the loss, the agent has been refusing to return phone calls to both myself/my company and the policy holder as well. The policy holder has spoke to management above the agent with nothing done with them involved as well. The agent we have been assigned is Laura S****, Cincinnati Ohio. Multiple attempts via phone and email have been made with no response. This is restricting us from properly continuing the repairs needed on the property.
Business response
09/11/2024
Good morning,
I have reached out to *** ******* via email to request a claim or policy number for this complaint.
Sincerely,
Michelle P****
*******************
Initial Complaint
09/09/2024
Complaint Type:
Service or Repair Issues
Status:
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.
Being active duty military, families transfer locations every 3-4 year on average. In early June of 2024 my family and I departed our home in ********** where we PCS’d to ******. Moving to ****** was no easy task as it was my husband, my self, our 3 year old and 2 year old. We were without our personal belongings from May until July. We slept on air mattresses, stayed in hotels, and traveled on a Ferry. Once we made it to ****** in July we still needed to wait for personal belongs to show up and a home to be ready for us. By the end of July we were finally getting mail at our new place. It wasn’t until early September I saw a piece of mail from American Modern insurance that my homeowner’s policy had lapsed and it was canceled. As soon as I saw this I called them. American Modern informed me that they did not get paid so they canceled my homeowners policy. I explained to them that we were active duty and had been traveling. I didn’t understand why they canceled my policy since my mortgage lender reached out to them. In 2015 I purchased my home in ***** with a ** ****, it has had multiple mortgage lender changes and insurance always moved with it. August 2023 ***** ***** gave my loans to ******* ********. In July 2024 ******* ******** tried to reach out to American Modern on 2 separate occasions to make sure they knew who had the loan which was on July 16th and July 31st. American Modern told me that typically they will re-instate a policy if it’s within 30 days but since I was past 30 days they wouldn’t. They also said they will not insure my property because of the location. They having been insuring my property for 10 years. American Modern confirmed that my mortgage company DID contact them but chose to do nothing about it. After all that frustration I was left with an uninsured home. Although my email was on file they never once emailed me about the situation. I am now paying a policy that is 3 times as much. This was such an unexpected change.
Business response
09/13/2024
September 13, 2024

Submitted electronically to BBB Complaint Management System
BBB Serving Southern OH, NKY, SE IN
Attention: ***** ********, Marketplace Resource Consultant
1 E. 4th, Suite 600
Cincinnati, OH 45202

RE: BBB Complaint #: ********
Complainant: ******* *****
Insured: ******* *****
Policy Number: *********
Company: American Modern Property and Casualty Insurance Company
NAIC Number: *****

Dear Ms. ********,

I am writing in response to the above inquiry received in our office on September 10, 2024.
American Modern Property and Casualty Insurance Company (“the Company”) appreciates the
opportunity to respond to the Better Business Bureau regarding the complaint filed by *******
*****.

Upon review of Ms. *****’s policy, the Company has reinstated the policy with no lapse in coverage
effective July 28, 2024. A Customer Service Specialist has reached out to Ms. ***** to review the
reinstatement. Ms. ***** is considering if she would like to continue with this policy or coverage
with another carrier.

Should you require additional information or wish to discuss further, please get in touch with me
via email at *******************.

Sincerely,

J**** L*****
Regulatory Compliance Project Manager
Initial Complaint
09/09/2024
Complaint Type:
Service or Repair Issues
Status:
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.
This company is awful! I do not recommend their services. At the end of May I had a soft clog which flooded my downstairs and I had water damage coverage and they denied my claim saying it was a sewer or drain backup when that is not what it was. It was an overflow big difference. They were not willing to help at all and all demolition to prevent black mold and repairs had to be paid out of pocket. They are useless!
Business response
09/13/2024
September 13, 2024
BBB Serving Southern OH, NKY, SE IN
1 E. 4th, Suite 600
Cincinnati, OH 45202

Attention: ***** ********, Marketplace Resource Consultant

RE: BBB Complaint #: ********
Complainant: ***** ********
Insured: ***** ********
Date of Loss: May 28, 2024
Claim Number: ********
Policy Number: *********
Company: American Modern Property and Casualty Insurance Company
NAIC Number: *****

Dear *** ********,

I am writing in reference to the above claim and inquiry received in our office on September 9, 2024.
American Modern Property and Casualty Insurance Company (the “Company”) appreciates the
opportunity to respond to the Better Business Bureau regarding the complaint filed by *****
********.

The Company received notification of the above claim on May 29, 2024, with a reported date of loss
of May 28, 2024. The adjuster spoke with the insured the same day and explained the claims process.
The adjuster also assigned an independent adjuster to inspect the insured property. The inspection
revealed damages from a water backup throughout the home. The plumber's report diagnosed that
the insured had a soft clog on the main water line. The insured's policy specifically excludes water
backup through sewer or drains. Therefore, there is no coverage for the loss that occurred. A
coverage decision letter was mailed to the insured explaining the reason for the denial. Additionally,
the adjuster called and left a voicemail on June 20, 2024, to explain the reason for the denial.

Upon further review, based on the inspection and the reports provided, the Company asserts the
above claim was adequately reviewed and properly denied according to the policy provisions. Should
you require additional information or wish to discuss further, please contact me via email at
*******************.

Sincerely,

Emmaline R*******
Regulatory Compliance Project Manager
Customer response
09/13/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below.

Regards,

***** ********
Customer response
09/18/2024
I was sent the attachment indicating there was an exception that I met the criteria for. Please review.
Business response
09/25/2024
September 25, 2024
BBB Serving Southern OH, NKY, SE IN
1 E. 4th, Suite 600
Cincinnati, OH 45202

Attention: ***** ********, Marketplace Resource Consultant

RE: BBB Complaint #: ********
Complainant: ***** ********
Insured: ***** ********
Date of Loss: May 28, 2024
Claim Number: ********
Policy Number: *********
Company: American Modern Property and Casualty Insurance Company
NAIC Number: *****

Dear *** ********,

I am writing in reference to follow-up inquiry received in our office on September 19, 2024. American
Modern Property and Casualty Insurance Company (the “Company”) appreciates the opportunity to
respond to the Better Business Bureau regarding the complaint filed by ***** ********.

In the follow-up response, the insured advises of an “exception” received in the denial letter for her
claim. However, the exception noted specifically states the coverage exists “unless the loss is
otherwise excluded.” As the policy's language excludes water backup or overflows, as outlined
further down in the coverage decision letter under “Section 1 Exclusions” that was sent to the
insured, the claim was correctly denied. Following is the specific language to provide further
clarification.

• Exception To c.(6) Unless the loss is otherwise excluded, we cover loss to property covered
under Coverage A or B resulting from an accidental discharge or overflow of water or steam
from within.

• Section 1 Exclusions Paragraph 3:
b. Water which:
(1) Backs up through sewers or drains; or
(2) Overflows or is otherwise discharged from a sump, sump pump, or related equipment

The Company asserts the above claim was adequately reviewed and properly denied according to
the policy provisions. Should you require additional information or wish to discuss further, please
contact me via email at *******************.

Sincerely,

Emmaline R*******
Regulatory Compliance Project Manager

Customer response
09/25/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below.
This was an overflow, not a sewage backup of any kind.
Regards,

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

Business response
10/04/2024
October 4, 2024
BBB Serving Southern OH, NKY, SE IN
1 E. 4th, Suite 600
Cincinnati, OH 45202

Attention: ***** ********, Marketplace Resource Consultant

RE: BBB Complaint #: ********
Complainant: ***** ********
Insured: ***** ********
Date of Loss: May 28, 2024
Claim Number: ********
Policy Number: *********
Company: American Modern Property and Casualty Insurance Company
NAIC Number: *****

Dear *** ********,

I am writing in reference to follow-up inquiry received in our office on September 27, 2024. American
Modern Property and Casualty Insurance Company (the “Company”) appreciates the opportunity to
respond to the Better Business Bureau regarding the complaint filed by ***** ********.

In our previous response, we provided the language from the policy, which excludes the damages to
*** ********** property. The damages were the result of an excluded cause of loss; therefore, the
claim was properly denied. If further clarification is needed, *** ******** should contact her adjuster
or the adjuster's supervisor to discuss.

Sincerely,

Emmaline R*******
Regulatory Compliance Project Manager

Customer response
10/10/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below.
It was not made clear that I had to have an additional coverage for an overflow not a back up when I got this policy and the services are very misleading. Although the company stated they do not cover my claim I am still very disappointed with their service and think it should be made public so others will be aware not to use this company.
Regards,

***** ********
Initial Complaint
09/06/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have homeowners insurance with American Modern Insurance Company. We had a storm and my home was damaged. My wife and I had vacation plans out of the country and I spoke with the adjuster and told him to please wait for 1 week until I got home (Before submitting the claim) so I could give him receipts from contractors and fill him in on everything that was happening with the house. He came by when I was gone and submitted a claim and the insurance company and they cut me a check for $3,078.69 My bills from contractors add up to exactly $6,713.04, and we still don’t have any power run back to my shed yet. I did not deposit the check yet because I need to get ahold of my insurance company to have this adjusted. I have been calling 4 separate people (2 managers and 2 claims adjusters) for the past 3 1/2 weeks. I have left over 7 voicemails and sent them each 8 emails with all of my information. I have heard absolutely nothing… CRICKETS… I have been on the phone for hours to get through to an operator, only to be sent to someone’s voicemail. No one will speak with me at all. I am hoping BBB may be able to help get me in touch with someone to speak with. Fingers crossed ??
Business response
09/11/2024
September 11, 2024

BBB Serving Southern OH, NKY, SE IN
1 E. 4th, Suite 600
Cincinnati, OH 45202

Attention: ***** ********, Marketplace Resource Consultant

RE: BBB Complaint #: ********
Complainant: ****** *******
Insured: ****** *******
Date of Loss: July 16, 2024
Claim Number: ********
Policy Number: *********
Company: American Modern Property and Casualty Insurance Company
NAIC Number: *****

Dear *** ********,

I am writing in reference to the above claim and inquiry received in our office on September 6,
2024. American Modern Property and Casualty Insurance Company (“the Company”) appreciates
the opportunity to respond to the Better Business Bureau regarding the complaint filed by ******
*******.

The Company received notification of the above referenced claim on July 18, 2024, with a reported
loss date of July 16, 2024. The Claim was assigned to an independent adjuster for inspection.
Payment was issued based on the inspection report for $3,078.69 on August 9, 2024.

The adjuster reached out to the policyholder on September 9, 2024, to confirm the photos and
invoices received. A supplemental payment of $4,316.01 was issued.

Should you require additional information or wish to discuss further, please get in touch with me
via email at *******************.

Sincerely,

Julie L*****
Regulatory Compliance Project Manager

Customer response
09/17/2024
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.

Regards,

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

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