Roberta's complaint:
February 11, 2013

Insurance Company: Farmers Insurance Group
Coverage Type: Renters

• Underwriting - Cancellation
• Underwriting - Nonreneweal
• PolicyHolder Service - Inadequate Service
• PolicyHolder Service - Payment Not Credited
• PolicyHolder Service - Inadequate Reimbursement

I went to Jason Waugh, Greenwood and explained that I needed to change homeowners Insurance on two rental properties and my primary home. I wanted to get a new insurance on the properties before the insurance was due because PNC Mortgage would pay two insurance companies if they got a chance, because that would raise my mortgage payments and they would have the use of my money, approximately $3,000., without paying interest for a year. Operations Capitol without interest. Good work if you can get it and they PNC does. Mr. Waugh assured me that would not happen. He would get the policies switched to Farmers and PNC would only pay one company from my escrow accounts.
Well, when I received my payment books for 2012 I had an increase of payment on all three mortgages. What happen, Mr. Waugh failed to inform the insurance company I was leaving that Farmers was taking over the policies. When I got that straightened out I began getting letters from PNC Mortgage that necessary Insurance papers were not received. Twice, I took letters from the Mortgage Company to MR. Waugh's office with notes stating that "Paper work had to be completed."
In November I receive a notice that one of my rental properties Insurance was canceled due to my no longer having an OWNERS INTEREST. Mr. Waugh had explained to cancelation notices on my car as being a problem in the corporate office. This time he did not bother to call me back, but reinsured my rental property. I am looking for an new Insurance Company. Suddenly, I am getting bills from Farmers for reinstating my renters insurance--we are in escrow. Why am I getting bills. Why is my renters insurance being canceled, reinstated, canceled,reinstated. Mr. Waugh either is a lier or he needs more training in insurance. According, to him PNC Mortgage informed Farmers Corporate Office I no longer owned the rental property because it had been foreclosed on and sold in a short sale. Not even close. There was not even a payment paid late. Mr. Waugh is unable to come up with that correspondance from PNC Mortgage. Although, PNC did send me a statement saying they had only paid $142.56 on the rental property. Why, Mr. Waugh did not send in the premium request,according to PNC Insurance department. Where is my escrow money---they are looking for it. PNC Mortgage has send me a letter stating that they were putting insurance on the property, they received my new insurance notice, they sent $1,359.35 to Farmers. Farmers has sent me a bill for $50.35. Maybe, Farmers needs to provide a little more training for these agent they are setting up in office. I'm filing a complaint with the commission. PNC has no right to contact my insurance for anything other than sending them payment.

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