- Report: #65795
Complaint Review: American Family Insurance - Madison Wisconsin
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American Family Insurance
6000 American PKWY Madison, 53783-0001 Wisconsin, U.S.A.
Phone:
800-374-1111
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American Family Insurance ripoff "OBVIOUS CLAIM" Madison Wisconsin
Me and my wife have had renters insurance through american family for quite sometime now and just last month we had airduct cleaners notice black mold all inside our furnace and blower and coils.
The air duct company told us we need to call the owner asap and call our insurance company.
The owner had air tests and mold samples done on each of the three floors of the townhouse which came back positive for mold and also it was airborne.
I called american family insurance on july 22, 2003 which was when we were told to get out due to it was airborne and my wife has asthma which was making it worse and not to take hardly anything but few clothes out.
We had no place to go and incurred living expenses and such.
I called my agent and then was referred to the claims center where I received my claim number and the adjuster came out to look at the furnace and took pictures of it and our contents.
We had our declaration of our policy which clearly states that they will cover environmental or personal pollution damage and expenses incurred.
Our adjuster Jim Schneider threw every excuse under the sun not to cover anything and said we won't cover mold, but isn't mold a pollutant.
We had been out of our townhome since july 22,2003 and still not back in there.
I contacted his so called boss Craig Reige with american family insurance just to get the same old story of loopholes that they try to find and cover up the declaration which clearly states we have insurance coverage on pollutants and even one section states that if civil authority prohibits use of premises that they will cover it.
Bio-3 of cincinnati ohio is cleaning up the mess but we are left with numerous out of pocket expenses and a deceiving insurance company that we are going nowhere with.
I contacted and filed a claim with the ohio insurance company regarding misrepresentation seeing I have pictures, proof and the declaration that shows we have coverage and all we are getting is lies, excuses and adjusters finding any loopholes they can.
However we were told by the claims adjuster Jim Schneider that he has never seen so much mold in his lifetime and it is cold black mold and air tests proved airborne with two types of mold and not to stay there.
Well hello to american family, why would I get or pay for insurance and have a sitution where i need help and you just lie and cause more grief.
My wife has asthma and even makes the situation harder to deal with seeing all our contents are contaminated with black mold spores.
How many other people hold policys with this so called joke insurance company?
Wonder what will happen when you need help, you will get just grief and excuses from these idiots not to help and plenty of loophole storys.
As of this past evening we were informed by bio3 that the humidifier was set too high and lack of maintance cleaning on owners part is to blame also but we have yet to let our adjusters know this, they might next try to blame and find a casper the ghost loophole to get out of it.
Andrew
West Chester, Ohio
U.S.A.
The air duct company told us we need to call the owner asap and call our insurance company.
The owner had air tests and mold samples done on each of the three floors of the townhouse which came back positive for mold and also it was airborne.
I called american family insurance on july 22, 2003 which was when we were told to get out due to it was airborne and my wife has asthma which was making it worse and not to take hardly anything but few clothes out.
We had no place to go and incurred living expenses and such.
I called my agent and then was referred to the claims center where I received my claim number and the adjuster came out to look at the furnace and took pictures of it and our contents.
We had our declaration of our policy which clearly states that they will cover environmental or personal pollution damage and expenses incurred.
Our adjuster Jim Schneider threw every excuse under the sun not to cover anything and said we won't cover mold, but isn't mold a pollutant.
We had been out of our townhome since july 22,2003 and still not back in there.
I contacted his so called boss Craig Reige with american family insurance just to get the same old story of loopholes that they try to find and cover up the declaration which clearly states we have insurance coverage on pollutants and even one section states that if civil authority prohibits use of premises that they will cover it.
Bio-3 of cincinnati ohio is cleaning up the mess but we are left with numerous out of pocket expenses and a deceiving insurance company that we are going nowhere with.
I contacted and filed a claim with the ohio insurance company regarding misrepresentation seeing I have pictures, proof and the declaration that shows we have coverage and all we are getting is lies, excuses and adjusters finding any loopholes they can.
However we were told by the claims adjuster Jim Schneider that he has never seen so much mold in his lifetime and it is cold black mold and air tests proved airborne with two types of mold and not to stay there.
Well hello to american family, why would I get or pay for insurance and have a sitution where i need help and you just lie and cause more grief.
My wife has asthma and even makes the situation harder to deal with seeing all our contents are contaminated with black mold spores.
How many other people hold policys with this so called joke insurance company?
Wonder what will happen when you need help, you will get just grief and excuses from these idiots not to help and plenty of loophole storys.
As of this past evening we were informed by bio3 that the humidifier was set too high and lack of maintance cleaning on owners part is to blame also but we have yet to let our adjusters know this, they might next try to blame and find a casper the ghost loophole to get out of it.
Andrew
West Chester, Ohio
U.S.A.
3 Updates & Rebuttals
Karen
Plymouth,Massachusetts,
U.S.A.
I understand why your insurance company is refusing to pay
#2Consumer Suggestion
Mon, August 18, 2003
They know that the landlord is responsible. Now, they could pay and then go after your landlord to recover. Have you discussed this with them? I can see renter's insurance covering your belongings in the case of a burglary, but in this situation it makes sense that it would be your landlord's responsibility to cover your expenses and damages. Contact an attorney like I mentioned before, Andrew. If she does have homeowner's insurance, he/she will be able to force that information out of her.
Andrew
West Chester,Ohio,
U.S.A.
Heres the Real KICKER!
#3Author of original report
Sun, August 17, 2003
I am Andrew and 'our' owner states she has no insurance or homeowners that will cover us. We have asked her numerous times for her insurance information however she will not say anything to us. WE are out of alot of expenses so you are right. We feel that american family that we have property insurance and out of pocket should be paying this and then go after the owner we are only the middleman. Let me know if anyone with any suggestions. The owner has taken care of the furnace and we found out this weekend there was a component that went out that had to do with the humidifier so she fixed that and bio3 cleaned the furnace up. The environmental company will do airchecks on each floor but still our contents need cleaned. Fairhousing of ohio? We would probably get the run around as well. I did file a complaint with the ohio insurance commission and hope to hear something soon about misrepresentation by american family and not a fair claim result. Any suggestions we are open to.
Karen
Plymouth,Massachusetts,
U.S.A.
Andrew, why isn't your Landlord paying for your hotel room?
#4Consumer Suggestion
Sat, August 16, 2003
Here in Mass. if there is a problem with an apartment which makes it uninhabitable (airborne mold declared dangerous is one example), the landlord is responsible for all damages you incur. If you are required to live somewhere else until the problem is resolved, if you have to dry clean all of the clothes you left in your apartment to remove all hint of mold, if you have to eat out during the time in the hotel, anything directly related to the situation must be paid for my the landlord (their homeowners insurance will take care of all of this, I'm sure, so that the landlord isn't out a ton of money). I would imagine this is the same in OH. Have you spoken with Fair Housing for OH yet? Either way you may want to contact an attorney who specializes in landlord/tenant issues. Good luck
