Complaint Review: Denise Wardwell - Houston Texas

I received my response back from Texas Dept of Insurance.  All the complaints I had against Denise were dismissed based on her denial of what happened.  For example, Denise Wardwell claimed she showed up at my brother's job to help him with an Ike claim.  This is not true, as she knows.  She showed up on his job months before Ike, shortly after my brother bought his house (Sept 2007).  My brother was annoyed because he had already given her the check for required insurance, he did not know why she showed up. Ike did not occur till Sept 2008.

In response to Ms. Wardwell telling me on the phone that I could not file a claim for a pipe leak since it was a foundation problem (which is was not, and my plumbers were working on it while I was on the phone with her AND I offered to let her speak to them, which she refused), she simply says that I have had several agents and I must have gotten the agents confused.  She further states she was not servicing my policy till August, which is another lie.  She began working on a new policy for me at least a month earlier and I provided TDI with documentation of that email, which interestingly was not included in their response.  They provided her documentation, showng that I requested her to be my agent in August.  That was a letter she typed and emailed to me, asking me to put my name on it, in order to formally make the agent change.  I had received a renewal letter from the previous agent and did not realize that I needed to notify him formally.  TDI further, did not respond to my complaint about she tried to convince me to buy car ins through her when I repeated told her I did not want to change agencies for my car. This occured in July, not August.  The point of that email documentation was not to complain about the car ins offers, but to show that she was involved with my policies at the time the leak occurred.  Even sending the email showing Wardwell was active on my policies, was completely ignored.  They chose to believe her, in spite of the email from her to me.

She further denied speaking to me on the phone regarding the Ike claim she said I could not file.  She also denied telling my brother he could not file an Ike claim.  He immediately dumped her as an agent because of this.  She also did not address calling my brother threatening to report his new agent to TDI because the new agent gave my brother a discount.  She must have forgotten how my brother loudly warned her during that phone call, that she is to never call him again.

Apparently twisting the facts and denying her behaviors are acceptable behaviors for  TDI.  Why would I go to all this trouble to report someone I have never even met except through phone calls?

TDI decided that Wardwell's renewal of my windstorm policy, when I had informed her in writing, of my changing agents, was OK because I only stated I no longer wanted her to service my home owners ins.  My windstorm was not to renew for months after informing her that she was no longer my agent.  I assumed I would not have to tell her more than once.  My new agent and I were monitoring the date for the windstorm policy so that Wardwell could not renew it again, like she renewed my homeowner's policy AFTER I told her she was no longer my agent.  She called my mortgage anyway and asked for the payment for the renewal of the windstorm.  Her response to TDI was that she was only trying to help me and did not want to see me without windstorm ins.  The homeowners policy was to renew in April 2009.  I informed Wardwell in March that I no longer wished her to be my agent.  When she renewed the homeowners policy in April, I gave her the benefit of the doubt, that it was possibly already in the works.  However, the July renewal of the windstorm was deliberate ingoring that I have a different agent.  If TDI is so ineffective and ignorant, that they wish to believe she was trying to help me, then complaining to them is pointless.  If she so wished to help me, why did she keep the commission?  I cancelled my windstorm policy with her and received my refund from Texas Windstorm. She must know of this policy cancelation and choses to keep the commission.  In fact, due to her aggressive pursuit of the premium from my mortgage company, I actually had two windstorm policy coverages in place at the same time.

Wardwell also states that I never cancelled my policy but that I had 3 different agents.  This is the only true statement she made. What does that have to do with my complaint since my complaint was not regarding cancelled policies, it was regarding her continuing to renew my policy and receive commissions, when I had faxed her a letter telling her I have a new agent, which she ignored by renewing both my policies in order to receive the commissions, yet never service them since I have a new agent.

One can pardon one or two errors.  One can believe that she cannot recall one phone call.  But she says she never spoke to me regarding the pipe leak and she says she would never tell me I could not file a claim.  She has no "documentation" that she spoke to me.  What does that mean?  That it never happened?  She denies telling my brother he could not file an Ike claim.  Did she also forget threatening to report his new agent?

S

I too have had problems with Denise regarding ethics but my problem was with auto insurance. On a side note I was paying $2000/year with her for auto insurance but got the EXACT SAME POLICY with another company for $800/year!! That's $1200 saved!! I have no accidents, no tickets... and I'm well over 25. So look elsewhere! For sure! My report can be found with the following title. Denise Wardwell Farmers Insurance Extremely Unprofessional Rip OFF Houston Texas Please contact the Texas Department of Insurance and file a complaint! File a complaint with the comptroller and follow the advice of the individual who replied to my report. Also write reviews on her google local, yahoo local and every other listing you can find!! Let's put her out of business for her unethical business practices!!!! Good luck with everything! I'm sorry you had problems. I do flood restoration for a living and I can tell you from the sound of it I would have billed the insurance directly and they would have paid! It's only Denise who is giving you problems. I'm willing to bet she gets some kind of bonus for policies vs. claims so she does everything she can to avoid a claim! It's unethical, dishonest and just flat out immoral! BTW. I worked Hurricane Icke and didn't have a single problem collecting from the insurance companies. Here is a little secret they don't want you to know about. In a disaster they have to contract out adjusters.That means the adjusters get paid a commission based on how much money they pay out. I kid you not. This didn't make any sense either until an adjuster friend of mine explained it to me. So the adjusters (in a disaster anyway) are there for YOU, not for the insurance companies. Of course, they aren't going to step out of their bounds but an adjuster would have paid for the damages!