Complaints
This profile includes complaints for Cincinnati Financial Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 22 total complaints in the last 3 years.
- 5 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:10/03/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On March 10, 2016 we had a hail storm and I contacted my Home Insurance, Cincinnati Life and started a claim. An adjuster made the decision that I did not have any damage to the roof and denied the claim. I recently had 3 roofers come and give estimates and 3 said that I had hail and wind damage. I changed ins. companies to Auto Owners and after a wind storm in March of 2020, I called and reported several shingles being blown off of the roof. They too, said that I had hail damage from previous ins and that they would only pay for $149 after deductible for the wind damage. All 3 roofers have said that insurance should be paying for both instances, hail under Cincinnati and wind under Auto Owners. I called Cincinnati and they sent down an adjuster and a forensic engineer to inspect the roof. They both agreed that the roof needed to be replaced and that Cincinnati should pay for the damage in 2016. The engineer said that the damage happened in 2016/ i received sword that Cincinnati was going to deny the claim again because I did not send in a refuted within 2 years of the initial denial. I took it that I did not have damage each time and depended on the adjuster to be the expert in this matter. I do not go up on the roof every time there is a storm. I have replaced several shingles for the wind damage. I have sent a rebuttal to both companies. I just want the companies to pay for the replacement of the roof. That is why I have insurance. No one informed me about a 2 year statue of limitations to refute a claim. Please investigate for me. i have a copy of the engineers report
My agent is Janice G**** at ******* ******** in ********* **** *** ****** **** *** ***, Phone Number **********. She is my agent for both companies.
Business Response
Date: 10/05/2022
October 5, 2022
Better Business Bureau
1 E. 4th, Ste. 600
Cincinnati OH 45202
###-###-####
***********************
ATTN: ****** ******
RE: BBB ID: ********
Cincinnati Insurance Claim No.: *******
DOL: 5/2/2016
Dear *** ******,
The Cincinnati Insurance Company (“CIC”) has received your letter of October 3, 2022,
regarding a Complaint filed by ****** **********.
The complainant did not file a claim with CIC until September 1, 2022. Unfortunately, the loss
was reported outside the two years from the date of loss limitation. *** ********** was
advised of same at which time he notified us of a claim he filed with a date of loss of May 10,
2016, which was denied for no storm damage found on July 13, 2016. We are providing a copy
of the denial letter for this loss as it was not reported within two years from the date of loss.
Please contact me if you require any further information or clarification.
This document is produced at the request of the Better Business Bureau as required by law.
Production of this document is neither an express nor implied waiver of any of the rights and
privileges The Cincinnati Insurance Company may have.
Sincerely,
Brett S*****, AIC, AINS, ARM
Associate Superintendent Property Claims
Encl: Denial LetterCustomer Answer
Date: 10/17/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, reasons for rejection are included below.
Regards,
****** **********Problem:
This is in regards to case # ******** and ********. After talking to my attorney I just wanted to add to my rebuttal letter that My statute of limitations was tolled by my inability to discover the damage to my roof in 2016, that was found by an expert provided by my subsequent insurance company, otherwise I would have rebutted the claim earlier. Thanks again for relooking the claim. i am not an expert in hail damage and when the inspector from Cincinnati Life came and told me that i did not have damage i took him at his word. This is why i have insurance, to send qualified persons to give an honest inspection and to pay claims when submitted. I did what I was supposed to do in calling and reporting hail damage when I thought I had it and everyone around me did. We did not have any other storms that could have produced hail or wind until 2021. Then I had a roofer come and inspect for wind and he said that i had hail damage as well. Calling Cincinnati again to come and look, they sent a forensic engineer and she said that the hail damage occurred in 2016 and the adjuster agreed. She said that the claim should be paid but when higher ups looked at it they denied it based upon the fact that i had not responded within the 2 year window. I have since replaced the roof and the amount it cost would have been minimal to the company but to me in this day an d time is big. Please look at this again and pay the claim.
Desired Resolution:
RefundProblem:
i have not heard anything except this last email. I do not know what Cincinnati Life said in response to my complaint. My case number is case number is ********
Desired Resolution:
Repair
Business Response
Date: 10/21/2022
October 21, 2022
Better Business Bureau
1 East 4th Street, Suite 600
Cincinnati, OH 45202
[email protected]
ATTN: ****** ******
RE: BBB I.D.: ********
Cincinnati Insurance Claim No.: *******
DOL: 5/2/2016
Dear *** ******:
The Cincinnati Insurance Company (“CIC”) has received your letter of October 17, 2022,
regarding ****** **********’s additional concerns regarding this case. Specifically, ***
********** claims that the limitation period in the policy was tolled by his “inability to discover
the damage to [his] roof in 2016 that was found by an expert provided by [his] subsequent
insurance company… .”
As noted in CIC’s response dated October 5, 2022, *** ********** originally reported a claim
with a date of loss May 10, 2016. This claim was denied on July 13, 2016, because an
inspection revealed no storm damage. *** ********** later reported a claim on September 1,
2022, again claiming that the damage to his roof occurred in May of 2016.
The policy of insurance issued to *** ********** by CIC specifically requires claims to be
reported within two years from the date of loss. This period is not extended by any claimed
failure to discover the loss. Because *** ********** did not report his claim for over six years
after the date of loss, it is not covered by the terms of the policy.
Thank you for your attention to this matter. Please contact me if you require any further
information or clarification.
This document is produced at the request of the Better Business Bureau as required by law.
Production of this document is neither an express nor implied waiver of any of the rights and
privileges The Cincinnati Insurance Company may have.
Sincerely,
Brett S*****
Associate Superintendent Property Claims
CC: Dick A***
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