Insurance Office of America Inc review: Homeowners insurance

I am Jabril McKee, of 677 Creekmist Ln Fairburn, GA 30213 with a policy number of [protected]. I am writing to file a formal complaint against Auto Owners Insurance and Mr. John Ritenour from Insurance Office of America Inc. I purchased a homeowners insurance policy for my Georgia home, and Mr. Ritenour acted as the contact/producer/insurance writer for the policy. However, there has been a significant issue with the policy that needs urgent attention.

I approached Auto Owners Insurance and Mr. John Ritenour for a quote and subsequent purchase of homeowners insurance for my Georgia property. They assured me that the policy would meet all the necessary requirements for homeowners insurance in Georgia. Based on their representation, I proceeded with the purchase of the policy.

To my dismay, it later came to my attention that the policy did not include wind/hail insurance coverage, which is a crucial requirement for homeowners insurance in Georgia. This omission poses a substantial risk to me as a homeowner, as it exposes me to potential damages and financial loss in the event of wind or hail-related incidents.

I immediately contacted Auto Owners Insurance to rectify this issue. Unfortunately, my attempts to resolve the matter have been met with delays and unfulfilled promises of someone getting back to me. Despite my repeated calls and efforts to reach a resolution, the matter remains unresolved to date. Consequently, my mortgage company, Penny Mac, has placed a focus policy on my home due to the lack of wind/hail insurance coverage.

Given the severity of this situation and the disregard for the policy requirements, I believe it is essential to escalate this complaint to the appropriate authorities. Therefore, I kindly request that the National Association of Insurance Commissioners, Consumer Financial Protection Bureau, Better Business Bureau, and relevant online consumer complaint sites investigate this matter thoroughly.

Enclosed with this letter, please find supporting documentation, including the policy details, communication records, and evidence of the omission of wind/hail insurance coverage. These documents substantiate my complaint and highlight the urgent need for a resolution.

I respectfully request that the National Association of Insurance Commissioners, Consumer Financial Protection Bureau, Better Business Bureau, and the relevant online consumer complaint site take appropriate action to address this issue promptly. I anticipate a thorough investigation into the actions of Auto Owners Insurance and Mr. John Ritenour to ensure they are held accountable for their failure to provide the necessary coverage and adequately address my concerns.

I would appreciate your written acknowledgment of this complaint within [specify a reasonable timeframe, e.g., 10 business days]. Additionally, I request regular updates on the progress of the investigation and any steps taken to resolve the matter.

If necessary, I am prepared to provide further information or cooperate fully with any investigations conducted by the above-mentioned authorities or entities. I also reserve my right to seek legal advice and take additional steps to protect my rights as a policyholder if a satisfactory resolution is not achieved through these channels.

Thank you for your attention to this matter. I trust that the National Association of Insurance Commissioners, Consumer Financial Protection Bureau, Better Business Bureau, and the relevant online consumer complaint site will take swift and appropriate action to address this complaint and ensure a fair resolution.