• Report: #1010673

Complaint Review: American Modern Insurance Group

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  • Submitted: Thu, February 07, 2013
  • Updated: Thu, February 07, 2013

  • Reported By: Alyxa — Arkansas USA
American Modern Insurance Group
Cincinnati, Ohio United States of America

American Modern Insurance Group Insurance Failure! Cincinnati, Ohio

*Consumer Comment: Only Use Facts

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I have had this insurance company since I purchased my house in 2010. At the time, we were first time homeowners and did not understand the insurance "game." Since having this insurance we have had to fight them on everything. The first issue was when a storm damaged our roof and we had to file a claim. The adjuster came out and handed me his evaluation. On this it stated we'd get the depreciation back. Well when I called in regards to the depreciation, they stated my policy did not allowed for it. After many calls back and forth and a nasty email to them from my own insurance agent I got my depreciation. I read my whole policy and it did not say anywhere I was not allowed my depreciation. The adjuster was a flat out jerk, as was his supervisor and every single customer service representative I had to deal with.

Then tonight I check my email and was notified that I had a new message from them, so I logged in to check it. They are dropping me from their insurance over items that are NOT mentioned in my policy. Main thing, my dogs, no where does it mention in my policy that I am not allowed certain dogs, nor was I asked when I obtained my policy about my dogs. My dogs have never even been brought up. I had a break in in 2010 and now because of my dogs I have not had another break in. They called some limbs in my backyard, a "fallen down tree." And, they said that "siding was missing from the front and side of my house." There is ONE piece of siding that falls off that I have been unable to get fixed at the moment.

I do NOT recommend this insurance company to anyone!! I have passed this on to EVERY single person I know and they are passing it on to people they know.

This report was posted on Ripoff Report on 02/07/2013 07:33 PM and is a permanent record located here: http://www.ripoffreport.com/r/American-Modern-Insurance-Group/Cincinnati-Ohio-45201/American-Modern-Insurance-Group-Insurance-Failure-Cincinnati-Ohio-1010673. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Only Use Facts

AUTHOR: dalton14186 - ()

Being a consumer i know the difficulties of dealing with insurance. The unfortunate part is that 90% of us do not read our policies nor read what they send us. Each state requires mailings of policy changes to be delivered within so maany days to the inusrd. I have dealt with Amercan Modern and know that if your status changes from policy inception you must inform your agent/carrier at the time. You may not have had any dogs when you started the policy but, sounds like you added some later. You need to let them know so they can go over the restricted breeds which all carriers have. You cannot expect guard dogs to be allowed which these sound like since you had break ins. Then to the house, if you cannot fix your siding then you need to have someone fix it. I have delat with this issue myself and know that they consider pride of owenership as a factor if you are insurable. remember that it could have been a coicidence that the siding fell when they were there, but thats why they inspect, so they can discover what the condition of the home is like.

Also if you bought a policy with Actual Cash Value Settlement then you will not get depreciation back, you need replacement cost.

Sadly too many point the finger and blame a great company because they didn't due their part. I personally had a claim with American Modern and they were fantastic and very willing to help but, i had to do my part as well.  

 

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