Petmilk
Alabama,#2Consumer Comment
Sun, September 21, 2014
To the complaintant:
As a point of order, Bader Company is not an insurance company but rather an agent and program administrator. Another important factor, you clearly indicated that you were informed the policy limits were $5,000 personal property (your possessions) and $50,000 property liability (damage to the structure). You also indicated that you were immediately issued a check for $2,500 (7/7/09 - two days following the event) and another check for $2,500 on 7/18/09.
I guess my comments are that you were paid $5,000 within 13 days of the event - that is the full value you were entitled to under the policy and in my experience 13 days is very quick resolution of claims (I had to fight with an insurance company for 2 months to get paid value on my vehicle for an accident the other driver was completely at fault for - the other driver admitted responsibility and the police report clearly indicated the other driver being at fault). So, I struggle to see where your complaint is on this?
There are other confusing items in your complaint which should give anyone else reading "pause" - you indicated the lease was in your fiance's name but the policy was in yours. If the lease wasn't in your name than the policy couldn't be in your name. I don't think it is even worth getting into how your checking account could be overdrawn after 3 months for an "extra" (not even getting into the issue of how much you were charged) $12?!
Finally, the reference made to the report of the fire being caused by a cigarette in a plastic bottle versus your assertion the fire marshall said it would be listed as undetermined and no one at fault... According to the fire report, the blaze was caused by negligance of the unit owner (cigarette not extinguished). A blaze that destroys mutilple units could never be listed as "no fault".
It bothers me when people are able to go "unchecked" on a site like this and cast negative aspersions upon others. And, for the record, I found this doing my own research on Bader to try to determine if I should purchase an insurance product for which they are the agent and after reading how they responded quite positively to situations noted on the Better Business Bureau's website this "complaint" seemed off the mark. So I quickly researched the details and assertions.
Kind regards,