Jo Ann's complaint:
July 02, 2012

Insurance Company: Auto-Owners Insurance
Coverage Type: Renters

• PolicyHolder Service - Inadequate Service
• PolicyHolder Service - Delays/No Response
• PolicyHolder Service - Inadequate Reimbursement
• PolicyHolder Service - Unfair Negotiation
• Claim Handling - Delays upon Delays
• Claim Handling - Unsatisfactory Settlement/Offer
• Claim Handling - Denial of Claim
• General - I feel abused by this company

This past January 2012, my apartment was flooded with black water (sewage) by the Bakery that was above my apartment. By the time the plumbers finally got there and unplugged the lateral, my apartment w/all the contents was full of mold & mildew.

My insurance company claims adjuster told me to call a Restoration Company. (The local ServiceMaster) From that point it went all downhill.

My insurance company only wanted to pay ServiceMaster for their services, (which they maxed out the coverage)less the deductible and that was it. No other coverage according to the Field Claims Adjuster.

I did get a small amount for the "Displacement Fees" because the Field Adjuster and his Supervisor felt that the bill for 114 days was too much. Therefore, those two decided that I only deserved 1/3 of the bill. Meanwhile, my apartment is still unfinished, I do not have a permanent address yet and Auto Owners Insurance Company doesn't care. Please note, I have lived in that same apartment for ten (10) years.

The majority of my belongings ended up in a landfill because of the mold & mildew. (Possibly totals between $10,000 & $15,000) Despite sending a letter to the Commissioner of Insurance, the Attorney General's Office and to the Trade Commission Bureau, not much has been done other than to hear time after time, No, not covered!!!!! If I wanted to move into another apartment, I have no major furniture to move with. I took great pride in buying custom furniture over the past 15 years, but found out that if it is not theirs, They don't care! Thank you for your time.
Sincerely, Jo Ann Mork - Scandinavia, Wisconsin

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