ComplaintsforFlathead Insurance

• Initial Complaint

  02/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company does not provide adequate insurance coverage information to lenders which cost me over $3000 plus they charged me double for the policy that they did have for me so I had three policies at one time

  Business response

  02/15/2023

  To whom it may concern,
   
  We insured ***************************** from 02/06/2019-01 /29/2023. *******'s first policy with ** was her second home in lake Chelan with no mortgagee or lienholder on the policy. We rewrote this policy to another company on 02/06/2021 to lower the premium she was paying. On 02/06/2022 the policy cancelled due to the insured not paying the premium. During the first year the insured failed to pay her premium 3 times. On the third time the policy was cancelled due to non-payment.
  We were able to get the policy reinstated due to her agent reaching out to ******* about the billing issue. Insured called on 02/24/2022 asking about Foremost and Travelers asking for payment on her premium.
  Reached out to the respected companies. Foremost would reinstate the policy for $467 if she wanted to have coverage again. Travelers advised ******************* $547 due to her not paying her premium during covid. The insurance companies were blocked from cancelling home policies due to non-payment at that time. Insured then called on 07/13/2022 wanting insurance on the property again. We sold her another Foremost policy on 08/16/2022. The month delay was because there were active wildfires in the area and insurance companies had put a temporary halt on new business during this time. This premium was $550 due to *******'s previous billing history with the carrier. We did not raise/ or adjust her premium with the carrier. This policy was set up on auto monthly payments out of *******'s bank account per her request. Insured called on 01/30/2023 advising she had found another agency to take care of this policy.
  
  We insured ******* primary home in Rathdrum from 03/01/2021 to 01/29/2023. After the first year of the policy the policy cancelled due to non-payment of the premium. Multiple bills were sent to both ******* and her lender United Wholesale Mortgage. On 07/13/2022 ******* called in asking for insurance on her home. We wrote her another policy with ******. The premium increased due to her previous billing history with the carrier. We did not raise/ or adjust her premium with the carrier. The new premium was $2,626 and was paid by her lender. Insured called on 01/30/2023 to cancel her policy.
  
  We insured *******'s vehicles from 05/15/2021 to 01/29/2023. When the auto policy was sold, it was sold on a full 12-month term bill plan.
  ******* came into the office on 05/19/2021 and requested to be set up on a 2 pay (every 6 month) and to have the premium come out of her bank account automatically. We processed this change for her. On 07/13/2022 insured called upset because ****** had taken out the 6month premium for her account. ******* adv moving forward she wanted to switch to a monthly billing plan. Implemented the new billing plan same day for ******* with Safeco. Insured called on 01/30/2023 to cancel her auto policy.
  
  ******* contacted our office multiple times due to billing discrepancies. When asked about the billing statements she should be receiving from the respected carriers, ******* advised she would just throw them away.
  ****** at no point in time was double charged for a policy. We also do not provide billing information to lenders unless requested by the insured or the carrier. The insurance contract is between the customer and the carrier, not the Lender and the carrier. In total we insured ******* for 3 risks. Her ****** home was written 3 times due to ******* failing to pay for her policy. *******'s home in Rathdrum was written 2 due to ******* failing to pay for her policy. Please reach out if you have any further questions or concerns.
  
  
  Sincerely,
  

  
  

  Customer response

  02/15/2023

   
  Complaint: 19350154
  
  I am rejecting this response because: they did not address the complaints. Just wrote a lot of nonsense anyone can make up.  My policies were Handed to them without my approval when my agents ******* left.  Thats the entire problem.  They just assumed it would be fine.  It was NOT.  They charged me ******* for s policy on my Rathdrum home that I got elsewhere for *******.  Thats USURY! They then priced to NOT notify my lender so they tacked on their own policy!  Again NOT OK.  We trust these companies and they s**** us over! The rest of their explanation is unrelated to the complaint.  
  
  Sincerely,
  
  *****************************

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