Assurant Solutions American Bankers of Florida, Inc. phone, cell phone, mobile, mobile phone insurance, denied, denial, bad faith Miami Fl Nationwide

Much like the rest of the people here, there was an issue with my mobile phone as it was lost/stolen. Like many on here, it is plainly obvious they deny ANY AND ALL claims just be arbitrary and usurp your "deductible." Mine, was $175. I file the claim through ma carrier who transferred me to Assurant customer service and I paid my $175 dollars. I was told that the unit would ship the next day but it never arrived. I log in online, heads up: you carrier will have internet portal. e.g. https://myphpinfo.com/ for those with T-Mobile and it indicated that my claims was denied. I contacted customer service to find out the legal and factual basis and even sent a message through the webapp interface.

No response. None. (Heads up, don't call them it doesn't get you any where)

I downloaded my policy and information from webapp interface https://myphpinfo.com/ (Each carrier insured with Assurant will have there own), and I gather my emails, and my communications with carrier and I file a complaint with my state department of insurance, and another with the Bureau of Electronic Repair. I'm obviously in California so those were my state agencies, and I made it clear Assurant needed to accept the claim or return my premiums. Those agencies reached out to Assurant demanding an explanation and had 20 days to respond and review the denial. During this 20 days had an adjuster to interview me over the phone ....HEADS UP this is a just another reason they look for a reason to deny the claim, I refused to participate in this explaining that I had already given the facts of the loss and that Assurant failed to respond to my enquiry giving the legal and factual basis of the denial.

I then get a letter from the adjuster saying that coverage had lapsed and that the loss was outside that lapse based on changes in the account. Despite my carrier charging me insurance since my relationship started I was at a loss for words causing derision in masse given the stupidest analyses I have ever seen in addition they were unable to return the premiums because the claim was adjudicated within the policy. I call up my carrier asking and received confirmation that there was no change in service or premiums for last two years. I add this secondary denial letter and the evidence obtained from the carrier that undermined their basis for the denial and forwarded it to my state insurance commissioner to add to my complaint.

Assurant has now given me a slam dunk to a bad faith claim be it small claims court or big boy court, and I can't stop laughing.

Next thing I know, not even a week after I get the claim paid catching Assurant in their bald faced lies....erm I mean alleged actionable misrepresentations.

So here's what to do when Assurant denies the claim:

1. print out or print to pdf you emailed claim or opening of claim.

2. Log into the webapp portal eg for tmobile https://myphpinfo.com/

3. get a copy of your policy, and the notice of the denial

4. File a complaint with your state insurance commissioner, most can be done online and upload all those items, the emails, policy and denials. They will ask you what a fair resolution is to make sure you are not a cook, say the following " Just resolution is (1) pay the claim or (2) refund me the premiums"

5. You'll receive a notice from the insurance commissioner indicating that they will reach out to Assurant asking for the basis of the claim and an opportunity to correct an improper denial and that they must respond within a certain amount of time. In California its 20 days from the notice from insurance commissioner. During this wait period Assurant will have an adjuster call up, do not engage! Have them reduce all communications into writing as they are only looking for another reason to deny the claim. Remember you already gave all the facts concerning the loss, don't give them any more amo to look for another reason to deny the claim.

6. You'll receive a secondary letter directly from Assurant giving the legal and factual basis for the secondary denial, which will full of it because they have to invent a reason to deny. For me they said the loss was outside coverage period as the insurance lapsed, when there was none.

7. Go back to your carrier, get written evidence refuting Assurant. For me T-Mobile sent me an email saying that they had insurance coverage since before the claimed lapse of coverage claimed by Assurant and they sent all my statements for the past two years evidencing paying premiums from when the loss took place proving coverage.

8. Send that evidence in number 7 above to compliment your complaint to your state insurance commissioner. The state insurance commissioner will forward to Assurant demanding an explanation, and watch how fast your claim gets paid.

9. Optional: if you are feeling plucky, use all evidence from Nos. 1-8 above and file a small claims complaint against Assurant in small claims for bad faith breach of contract, promissory estoppel, negligent misrepresentations. Remember Assurant Solutions is a dba or trade name for AMERICAN BANKERS OF FLORIDA. Go to your state secretary of state to find out who the agent of service is and file suit and deliver to the address listing the agent of service.

I hope this post help!!!