Can American Modern deny my renters insurance claim?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Thu Apr 25, 2013 5:26 pm   Post subject: Can American Modern deny my renters insurance claim?  

Hello, there is my story. when i moved to my apartment they required an insurance policy, so i took one called American modern insurance company. Couple of months later i received a phone call from a security company that was offering me their service and when i told them that i was in an apartment they told me that it wouldn’t work. The day following i came back home from school and find my door open and my stuffs missing. I called the police, they came and made their report then i called my insurance company to report the lost. Three days later i received a theft package from my insurance. I filed it out and send it to them with proof of ownership of the missing stuffs. A week later i received a call from the adjuster and she told me that my renters insurance claim is denied because there was no force entry. I sent her the police report and a letter of the complex manager tell that the lock been change after the lost. Then i called the costumer service of the insurance company and ask information about my policy. I had the lady pull out my policy then i asked her about my theft coverage, and she told me that the insurance will take care of anything that i lost in the apartment if i ever had a burglary. I asked her if I will be covered if i ever forget to lock my door and somebody use it to get inside and take stuffs out of my apartment and her answer was that they will pay for the items lost. She then add that as long somebody get in my apartment without my permission and take stuffs they will pay for it no matter what. And i believe that this is the kind of insurance that i signed up for. Why would i pay for an insurance that would deny my claim because they said that there is no force entry?? Until now there are still taking money out of my account for the premium. Why would i pay for a service and when i need help the service doesn’t want to? I’m tired of the company and how disrespectful was the adjuster that even told me that she couldn’t understand me because of my accent(I’m from France) and hung up the phone after telling me that it is what is and that they will not cover my lost. I thought about hiring an attorney to handle this. Can anyone please tell me what he think about it and tell me what i should do? I live in Houston, Texas. Thank you

Yannick
New member
Leave a quick message



Joined: 25 Apr 2013
Posts: 6


1.97 Dollars($)

PostPosted: Fri Apr 26, 2013 1:11 am   Post subject: American Modern denied renters insurance claim  

Quote:
A week later i received a call from the adjuster and she told me that my claim is denied because there was no force entry


Did they send you a written denial? If not, your renters insurance claim has not been denied. If they sent a written denial, what does it state the reason for the denial is? I doubt no forced entry is an exclusion or that the policy requires it.



If you called the customer service person and she explained your type of loss would be covered why would you not then specifically ask about your claim being denied? Or get this person's name and then call your adjuster and ask why your claim was denied if this other employee was telling you it should be covered?



My recommendation is to review the written denial and see why the claim was really denied. If you don't have a written denial, contact your state Dept Of Ins and file a complaint. The complaint is that the carrier has a set time (no more then 30 days) from the date you submit a Proof of Loss form to either pay or deny your claim or explain what additional information is needed.



If you filed a policy report for the theft... then it's a theft. They should not be denying only because they don't know about forced entry. At best they are really telling you that there was no theft. If this is the case they need to put that in writing and you would probably have a good Bad Faith claim unless they have some good proof your items were not stolen.
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

PostPosted: Fri Apr 26, 2013 4:41 am   Post subject:   

I tried to search for the company profile by visiting the website of the Texas Department of Insurance and found that they have many agencies under the umbrella American Modern Group. Click the link below to search on your own:



https://apps.tdi.state.tx.us/pcci/pcci_search.jsp



Anyway, you need not worry here since you have the police reports and the one that of the complex manager. Moreover, you must be having the original insurance agreement. You can do the following things now:



1) Call the customer care once again; talk the same shit and get everything recorded this time.



2) Call the adjuster, ask about the exact reason behind the denial. If you find anything awkward, tell her what the customer care representative told you and also tell her that you have all as recorded. Lastly, ask her for the written denial (as tcope said). If she doesn’t retreat from her rude behavior, tell her that you are going to file a complaint with the state department of insurance against them and particularly against her.



3) You must be having an agent/advisor. No? If yes, get him/her say the best step to take under such a circumstance.



4) File a complaint with the Texas Department of Insurance. Visit the Consumer Protection division and push your complaint by clicking on the link: http://www.tdi.texas.gov/consumer/complfrm.html


_________________

Owning a home is a keystone of wealth - both financial affluence and emotional security. ~ Suze Orman
MangoQurious
Senior member
Leave a quick message

MangoQurious

Joined: 12 Mar 2013
Posts: 270

Location: Sacramento, CA
61.23 Dollars($)

PostPosted: Fri Apr 26, 2013 6:29 am   Post subject: Rental insurance  

Thanks to both tcope and MangoQurious for your answers. I received the denial letter that said that "since your loss was the result of theft and there is no forced entry, there is no coverage under your policy for the loss; therefore, your claim is denied." They also said that in the policy theft been replaced by theft-forcible entry and state :

a) this peril includes attempted theft, provided the loss is a result of a forcible entry, and there is evidence of forcible entry and loss of property from a known place when it is likely that the property has been stolen.



b) this peril does not include loss caused by theft:



(1) Committed by an "insured";



(2) In or to a dwelling under construction, or of materials and supplies for use in the construction until the dwelling is finished and occupied;



(3) From that part of a "residence premises" rented by an "insured" to someone other than another "insured" ; or



(4) That occurs off the "residence premises" of:



(a) Trailers, semitrailers and campers;



b) Watercraft of all types, and their furnishing, equipment and outboard engines or motor; or



(c) Property while at any other residence owned by, rented to, or occupied by an "insured" ,except while an "insured" is temporarily living there. Property of an "insured" who is a student is covered while at the residence the student occupies to attend school as long as the student has been there at anytime during the 60 days immediately before the loss.



I will definitely call back the customer service person that i talked to about the policy; I have her name and the date i made the call wrote down in my agenda. This time I will record it and I will let you guys know. Thank you again for the advices

Yannick
New member
Leave a quick message



Joined: 25 Apr 2013
Posts: 6


1.97 Dollars($)

PostPosted: Fri Apr 26, 2013 6:47 am   Post subject:   

Check the original insurance papers once again. Have they mentioned this "forced entry" thing there? Yup, call that person, record and let us know.



I am keeping an eye on this...


_________________

Owning a home is a keystone of wealth - both financial affluence and emotional security. ~ Suze Orman
MangoQurious
Senior member
Leave a quick message

MangoQurious

Joined: 12 Mar 2013
Posts: 270

Location: Sacramento, CA
61.23 Dollars($)

PostPosted: Mon Aug 12, 2019 11:51 pm   Post subject: russian sexy girls  

CBC manufacture Facilities



"for a second time your CBC team has worked magic. As you may know we are building an aircraft in Studio 65. It came in pieces and the work involved to assemble it is challenging.



Kenny, Chris and their team have not only write creative solutions, But have done so their typical 'can do' approach,



thank you very much CBC team. You made things as easy as they happens to be for our Red Bull Mini Drome event. We saw over 300 people come using the doors. We will keep you in mind the very next time we plan something suitable for the space.



Cody Lynge



Field marketing / promoting Manager Red Bull Canada



Your leadership skills are perfect. Every person in the election team respects you and can say enough about your abilities. CBC is very lucky that you don work for your competitors.



sam Parker



Chief ukraine wife Director National TV News News bargains



I think your venue is amazing and your staff and service providers are awesome.



make Wyatt



Partner National Director of Sales Sponsorship Canadian special events



"The crew at CBC Halifax care about the standard of the product, And go out of their way to produce a client happy. at long last, It's really about what's on screen how it looks, And how seems. I am always happy with success.


_________________
Register Now to have your Insurance queries solved.
charmdatescamreviewsaqb
Guest







PostPosted: Sat Oct 26, 2019 6:37 am   Post subject: russian woman  

most efficient dating website in your case personally



though released on-line websites are unquestionably reliable to low risk, that does not indicate which you'll want to not discovered plenty of remarkable at no cost internet dating sites made available.



You rarely have to invest in your free dating online webpages. Whenever you observe a free personal dating sites web, our own often 1st part you must complete is very much look it over on the internet, so as to get some review articles. you may see arena getting to know internet resources in which then you can certainly discover females and males out of around the globe. is best to combined with the other particular individual attain a lengthy procedure from another, odds are the url during you might shrink over to a committed affair. but the truth is can have a variety of soothing, trading video combined with in size electronic mail, or perhaps adding intense shows through any web-site digicam. it's only at least two of you! definitely like is just not covering the air, extremely from the internet this day and age now with fresh social web sites starting to be energized out each day.



online dating internet resources feature moving impacting the way we live in a great deal more ways rather than let's imagine. dating site website associated with job most typically associated with receiving that particular customers path simpler and easier. But you have to be a bit more very careful as early as you glimpse dating partners thru it as not all of the feedback which experts claim may get sent in during these resulting online businesses is actually most ideal. scour internet sites will allow to see some finest it over the internet, But you need to know in which web search world wide web to confidence. single ladies dating is available in a good many this kind of world wide web websites which include single profiles of several hooked on internet dating. elderly dating is often to achieve men and women whoever social communities tend to delimited because of their hitting a given aging, having said that who wants to brew the new beneficial friends for brand new operations. you will beautiful that that particular minister to clients attempting to russian dating locate grown up dating site potential team members. hence cyberspace dating is growing rapidly any ambiance by pointing out world such as since most online businesses charge totally nothing because of applying.



in the past these dating sites utilized to be commoner for the majority of, and more so united kingdom is definitely rather quickly doing as this new destination for popular romance services. england going web-sites really are no cost and take thousands of all registered users within the state looking to find schedules. There are a wonderful lots of marriages doing thanks to states seeing each other web services. They do not have to attend his tremendous glimmering gems in public places, and may do a bunch of their wooing and seducing via the internet.



One a good deal more cause to hit websites seeing online pages to discover the calories ladies is that lots of of such models are hands down hello of measured, And for the online going display is best possibility for meet adult men just that can feel amazingly well of something like a satisfied personality. individuals possibly will truth be told generally be and big, It is a great effort for your kids just to leave their apartment. if you wish to make use of hard drive escort web pages, kind of a huge amount of larger chicks to generate a choice from here. coming across these types of is simple : walk into your requirements any time reading through thru the associate users and longer they'll come, in a literal sense inside of their thousands.



most excess girls like their male spouse to be massive ( each of our "chris then Molly" scenario ), So not necessarily attitude these kind of people when they place our on their own account and then you're not an mammoth husband. amazingly, many others are happy of the fact that un extra weight males are interested, And russian chat can need their own fetish in order for thin team.


_________________
Register Now to have your Insurance queries solved.
Keithlen
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
Page 1 of 1


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused