Complaints

This profile includes complaints for QBE Insurance's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  QBE Insurance

  1 General Dr Sun Prairie, WI 53596-0001

• 

  QBE Insurance Corporation

  PO Box 1006 Bowling Green Station New York, NY 10274-1006

• 

  QBE Insurance Corporation

  88 Pine St Fl 16 New York, NY 10005-1819

• 

  QBE Insurance

  PO Box 9060 Carlsbad, CA 92018-9060

• 

  QBE Insurance

  2544 Campbell Pl Carlsbad, CA 92009-1752

The 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:10/04/2022

  Type:Service or Repair Issues
  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.

  hello,we recently were given a forced evacuation here in my place,34677,******* due to HURRICANE *** and we had to move to a hotel,for 3 nights -Monday 26th to 29th of September 2022 ,family of 4 with 2 kids. have filed a claim on the below for my renter insurance policy. kindly please assist in getting the claim processed for the same.Your ResidentShield Policy documents -QBE Policy Number: PRH5889089 claim id- ******** myself -policy holder Thanks *******************************

  Business Response

  Date: 10/13/2022

  We are writing on behalf of Praetorian Insurance Company, a member company of QBE North America,
  which issued Policy No. PRH5889089 to ********************************** for the period of 02/17/2022 to
  02/17/2023 (the Policy). The purpose of this letter is to respond to the BBB of ********* inquiry dated
  October 4, 2022, requesting assistance for the loss.
  In considering the BBB inquiry, we have reviewed the Policy and the claim information available to us. Our
  records reflect that on October 4, 2022, Mr. *************************** reported a claim for hotel stay while being
  evicted during Hurricane ***. Our adjuster reached out to Mr. *************************** to confirm the facts of
  loss.
  On October 5, 2022, our claims adjuster spoke with our named insured Mr. ******************** During this
  conversation it was discussed that the hotel expenses were below the deductible of $1,000.00. Mr. *************** adjuster he was at hotel for 3 nights at $150.00 a night. Insured ****** advised the adjuster at this time
  to withdraw the claims as he would not succeed the deductible limit. This claim can be reopened if findings
  arise the deductible amount.
  Should you have any question after reading this letter, please contact the undersigned so that we can fully
  respond to any additional concerns.

• Initial Complaint

  Date:10/03/2022

  Type:Service or Repair Issues
  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.

  I bought renters insurance from this company over a year ago. My insurance ended and I did not renew as I moved to a condo and did not need renters insurance anymore. I reached out to this company about a car break in that occurred during my coverage period, in which some of my belongings were stolen, and after that they renewed my policy and have been trying to charge me via my old account's auto pay credit card!! I told them what was going on and they cancelled my new account, but now are trying to charge me another fee, again using my auto pay credit card!!! Unbelievable. I just want them to delete all of my information from their database and move on already.

  Business Response

  Date: 10/24/2022

  This letter is in response to the above-referenced inquiry from the Better Business Bureau of
  ********* (Bureau) sent on behalf of ************************* (insured). Praetorian Insurance
  Company (Praetorian) issued a renters insurance policy to the insured, number PRH5969072
  (Policy). We respectfully offer the following response to the Bureaus inquiry.
  On August 31, 2022, the insured contacted Praetorian, requesting to cancel the Policy, advising
  that the automatic payment for the renewal was not authorized. The insureds request was
  processed and the payment was reversed, and the insured was emailed the proper form to cancel
  the Policy. On that same day, the insured, sent in the completed cancellation form via email,
  requesting the Policy cancel effective the same day, August 31, 2022.
  Prior to the insureds call, an invoice in the amount of $158.15 was sent to the insured on August
  29, 2022. The policy term was from August 21, 2021 through August 21, 2022 and was cancelled
  
  10 days into the policy term, on August 31, 2022. Thus, there was a credit to the account in the
  amount of $130.00, leaving a balance in the amount of $28.15 for the earned premium. On
  September 28, 2022, a notice went to the insured, regarding the balance of $28.15 still owed. An
  email was received from the insured on October 3, 2022 in connection with the remaining balance.
  It was at that time explained that the $28.15 was the remaining premium due after the cancellation.
  We appreciate the opportunity to address the Bureaus inquiry. Should you have any additional
  questions, please do not hesitate to contact the undersigned at the number and email below, or our
  complaint department at ********************************

• Initial Complaint

  Date:09/29/2022

  Type:Service or Repair Issues
  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.

  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, details of the offer I reviewed appear below.
  
  First of all, the assertion that any adjuster contacted unit 101 is false. We were proactively trying to contact adjusters and our phone calls and emails were mostly ignored. *** has not even tried to explain why it took about a month to get the inspection done even though the desk adjuster was informed that it was a serious water damage and mold issue. They wanted owners of all four units available at the same time on the same day even though it was summer vacation time and some people may  not even be present in the state. Even we were out of state and had to cancel our trip midway because we wanted to get this resolved at the earliest. Their response does not state the reason why Even after such a  delayed inspection, the adjuster took a very long time even though he knew how serious the damage was.

  Because QBE was taking such a long time, we called a contractor and mold remediation company to assess the damage. ****************** had been sent a report from that  mold restoration company and from the  contractor explaining the damages which were visible with naked eyes.  We are attaching some pictures that show the house after the mold remediation / demolition. I dont understand what was the adjuster thinking when they approved 2k and some $s for damages.

  Now they can say it was an independent adjuster but going by some other complaints on BBB, it seems the independent adjusters are expected to under report the damages and the strategy is to  frustrate and exhaust the victim so that they just end up contacting the insurance company and get their own resources to repair the damages. If it was manageable, we would have done the same but our damage was so much, and became worse due to the neglect, for no fault of ours, we had to depend on them.

  
  Regards,
  
  *************************

  hat we had suffered. ***************************** apparently released 2 separate payments to our management company, one for the mold and one for the repairs, without actually specifying to us the victims how much money was being paid and how it was to be used. In addition, as discussed before the amount approved is a pittance in comparison to the loss we suffered. It is close to just 15 percent of the quotes we have received from our contractor. We had sent ***************************** the quotes we received from the mold remediation company and our contractor more than a month before the adjuster report was shared with us. But now she has started finding fault with those. QBE strategy seems to be to significantly underestimate losses, deny coverage, ignore queries and requests to such a frustrating level that we end up accepting whatever little coverage is offered. Because of ***'s neglect we have suffered tremendous losses and we want them to compensate us for $26,000 so that we can get the repairs done immediately.

  Business Response

  Date: 10/13/2022

  We are writing on behalf of QBE Insurance Corporation, a member company of QBE North America, which
  issued Policy No. MC1800000034702 to *************** Owners Of Rosewood Residences at Flower Hill
  for the period 10/31/2021 to 10/31/2022 (the Policy).
  The purpose of this letter is to respond to the BBB of ********* Complaint/Request for assistance dated
  09/30/2022 regarding the insureds claim for property damage (the Claim) under the Policy.
  We value our customers and appreciate their business. We will do our very best to address the issues and
  concerns raised in the complaint letter. We understand that you have requested an update of the status of
  the claim.
  In considering the BBB ********* Complaint/Request for assistance, we have reviewed the Policy and the
  claim information available to us. The following is claims handling chronology since our letter submission.
  08/10/2022 A claim for water damage to insured property was reported to *** claims department by
  
  the Insureds agent via email.
  
  08/11/2022 A unit owner called *** adjuster *************************** advising of the damage to his and other
  units and provided a contact person for the insured ******* as ***. *** discussed the
  claim with the *** adjuster advising of affected units along with details of the property
  damages. In addition, the *** adjuster made an assignment to Independent Claims
  Adjusters, *************************** to inspect the property for all damages to all
  units and common areas. ******** made contact on 08/12/2022 with unit owner 101 and
  then to all affected unit owners on 08/16/2022 once their contact information was
  obtained from the insured. ******** adjuster made attempts to schedule his inspection
  based upon what worked best for all unit owners and the insured.
  *** and the links logo are registered service marks of QBE Insurance Group Limited.
  Page 1 of 2
  One *** Way, ***********, ** 53596
  Phone: ************ ? Toll Free: ************
  qbe.com/us
  10/11/2022
  BBB of *********
  Attn: *************************
  10019 *****************************************
  *********, ** 53214
  VIA EMAIL: *******************************************************
  
  Re: Your file number: 18147628
  Complainant: Shabori Sen/*************************
  Claim number: 863559N
  Loss date: 07/06/2022
  Policy number: MC1800000034702
  Insured name: ******* of **** Owners Of Rosewood Residences at Flower Hill
  Insurance company: QBE Insurance Corporation
  NAIC number: 32917
  Dear ***************************,
  We are writing on behalf of QBE Insurance Corporation, a member company of QBE North America, which
  issued Policy No. MC1800000034702 to *************** Owners Of Rosewood Residences at Flower Hill
  for the period 10/31/2021 to 10/31/2022 (the Policy).
  The purpose of this letter is to respond to the BBB of ********* Complaint/Request for assistance dated
  09/30/2022 regarding the insureds claim for property damage (the Claim) under the Policy.
  We value our customers and appreciate their business. We will do our very best to address the issues and
  concerns raised in the complaint letter. We understand that you have requested an update of the status of
  the claim.
  In considering the BBB ********* Complaint/Request for assistance, we have reviewed the Policy and the
  claim information available to us. The following is claims handling chronology since our letter submission.
  08/10/2022 A claim for water damage to insured property was reported to *** claims department by
  
  the Insureds agent via email.
  
  08/11/2022 A unit owner called *** adjuster *************************** advising of the damage to his and other
  units and provided a contact person for the insured ******* as ***. *** discussed the
  claim with the *** adjuster advising of affected units along with details of the property
  damages. In addition, the *** adjuster made an assignment to Independent Claims
  Adjusters, *************************** to inspect the property for all damages to all
  units and common areas. ******** made contact on 08/12/2022 with unit owner 101 and
  then to all affected unit owners on 08/16/2022 once their contact information was
  obtained from the insured. ******** adjuster made attempts to schedule his inspection
  based upon what worked best for all unit owners and the insured.
  
  08/26/2022 Sedgwick Claims filed an initial report stating an inspection has been scheduled for
  08/29/2022
  
  Page 2 of 2
  08/30/2022 *** Claim Professional sent the insured a status letter explaining the position of the
  claim and that the investigation into the cause of the water loss continues.
  
  09/15/2022 *** Claim Professional issued a check for $15,000 to the insured reflecting the limits
  
  available for mold remediation under the policy.
  
  09/20/2022 *** adjuster received the independent adjusters full report and estimate of damages in
  the amount of $12,346.19. A settlement and partial disclaimer letter along with a check in
  the amount of $2,346.19 was issued to the insured.
  
  09/28/2022 Claim closed
  We believe the amount of loss we paid was appropriate.
  Should the insured submit any claim for supplemental damage we will re-open our file and address
  accordingly.
  It is extremely important to us that our customers be completely satisfied with our claim service. If you
  have any questions after reading this letter, please contact the undersigned so that we can fully respond to
  any additional concerns.
  Sincerely,
  ***********************
  Claim Supervisor
  Direct: ************
  Fax: ************
  E-mail: **********************************
  Enclosures file notes08/26/2022 Sedgwick Claims filed an initial report stating an inspection has been scheduled for

• Initial Complaint

  Date:09/25/2022

  Type:Service or Repair Issues
  Status:

  UnresolvedMore 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.

  So I filed a theft claim w/ QBE on or around the 26th of may we currently have an open claim that led to this claim we had our home packed out due to water damage so we had to keep going to home to water and make sure everything was good we left our safe in side full of our valuables well we noticed a window that was not working properly so we felt safer getting the contents out and keeping them with us I had some of the contents in a fully zipped sealed bag on my passanger seat and was in the garage when I heard my ring doorbell go off so I looked at my phone and there were two guys on bikes had busted my window and stole my bag with its contents so I filled a claim made a police report and gave the ring doorbell video to QBE gave a list of items to the police and QBE ok QBE came back asking me for receipts for some items I didnt have some of which were gifted and some self purchased I went for many attempts to get copies of the receipts I told I had some receipts but were packed out meanwhile my claim had changed hands with no notice to me I then got ahold of my new adjuster who said we can go through the claim and just leave out the certain items I couldnt give receipts for I said no thats not right as my items were valuable and they were rightfully ours and covered by policy and mind you they have covered my partners and Mine in previous claim and even worked directly with my partner he my partner said to the adjuster I tried and tried to get copies of the receipts and not able I can give a sworn affidavit to being the owner of all items he agreed and said send it and we will go from their and the next day the adjuster came back with some c*** saying ******* my partner living in cohabitation as domestic partner for over 21 years whom also pays a portion of said policy ever since we yes we built the home was not covered under the policy so denied payment on the claim they have already covered him and worked with him before on another claim im very offended!

  Business Response

  Date: 09/28/2022

  *************************
  Better Business Bureau of *********
  10019 *****************************************
  *********, ** 53214
  *******************************************************
  RE: Complainant ID: ********
  Complainant: *********************
  Policy Number: Unknown
  Issuing Company: Praetorian Insurance Company
  
  Dear ********************:
  This letter is in response to the above-referenced inquiry from the Better Business Bureau of
  ********* (Bureau) sent on behalf of ********************* (insured). QBE Insurance Corporation
  (QBE) respectfully offers the following response to *********** inquiry.
  We have reviewed our records but are unable to locate the policy and or claim with the limited
  information provided in *********** inquiry. We would like to request additional information
  (i.e., policy number, claim number) to assist us in locating the policy or claim.
  Thank you for the opportunity to address *********** inquiry. Should you have any additional
  questions, please contact the undersigned at the email below.
  Very truly yours,
  /s/ *****************************

• Initial Complaint

  Date:09/22/2022

  Type:Billing Issues
  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.

  When we signed up for our second policy ( home policy ) we were told that we would be receiving a multi policy discount. The discount was applied for several months as promised but was recently removed due to the fact the policy was not underwritten directly by progressive. When we signed up for the home policy this was not explained to us. Today we called and we got quoted for an additional 3 different home policies and the person also offered the same discount although it was not going to be underwritten by progressive. We called today and we explained the situation the agent applied the discount only to let us know that she removed it ten minutes later.I am looking to get the discount applied as promised when we signed up for the home policy

  Business Response

  Date: 10/03/2022

  This letter is in response to the above-referenced inquiry from the Better Business Bureau of
  ********* (Bureau) sent on behalf of German Roa (insured). QBE Insurance Corporation
  (QBE) respectfully offers the following response to *********** inquiry.
  QBE would recommend that the insured contact their agent, Progressive Insurance Agency, for
  additional information regarding the quote they received for the multi-policy discount. Please note
  that QBE does not offer such a discount and would not be able to speak on details.
  We appreciate the opportunity to address *********** inquiry. Should you have any additional
  questions, please do not hesitate to contact the undersigned at the number and email below, or our
  complaint department at ********************************

• Initial Complaint

  Date:09/18/2022

  Type:Service or Repair Issues
  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.

  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, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  
  Regards,
  
  *******************is not covered. They are amending the contract after it has been signed and upheld by myself to fit their needs. I have attached the contract I signed and agreed to and the copy of what I got from the dealer. All I want is for them to honor the contract I signed and show me in the contract wear rust and environmental damage is not covered. This was a huge safety issue and myself or family could have been seriously injured if this part failed. I just want the money I had to pay for the repairs given back as I help up my end of the contract. The vehicle is used as an everyday driver and not abused in anyway. I want them just to honor the signed contract.Thank You *******************

  Business Response

  Date: 09/27/2022

  Dear ********************
  This letter is in response to a recent complaint from the Better Business Bureau of *********,
  received in our office on September 18, 2022, regarding the above-referenced Vehicle Service
  Contract Policy, Number MVSCM.700009942.01.01, and the Mopar Vehicle Protection Extended Plan
  (the Plan), filed by ******************* (the insured). We offer the following response.
  According to our records, on August 25, 2022, a representative named *****, from the insureds
  dealer, ************* ***** called to report the insureds concern of a rear differential leak. The
  representative reported that the cause of the leak was the top ring was eroded off.
  An independent inspection was performed on August 26, 2022. The rear differential leak, as reported
  by the dealer, was confirmed and the inspection reported that the cause was corrosion build- up.
  The Plan defines a failure as follows:
  Failure means a cessation of normal functioning of the Vehicle components covered by this
  Agreement that arise from defects in materials or workmanship or caused by wear and tear
  covered by this Agreement.
  Corrosion is neither a defect in materials or workmanship or wear and tear.
  Further, the Plan excludes rust and damage caused by environmental factors in its coverage under
  Paragraph 8 (WHAT IS NOT COVERED BY THIS AGREEMENT):
  23. Exterior - rust;repairs or damage caused by environmental factors such as acid rain,
  tree sap, salt or ocean spray;
  Should you have any additional information supporting a covered loss under the Policy, please
  forward immediately for our consideration.
  
  Regards,
  
  ***************************
  Claims Team Leader
  ESP Claims
  Direct: ************
  Email: **************************

• Initial Complaint

  Date:09/10/2022

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  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, details of the offer I reviewed appear below.
  
  I received a bill in the mail about a week ago. Could the BBB please reach back to confirm they don't have any balances due on this account?

  
  

  Also, I sent a request to cancel the policy back in May. Please see attached. They never got back. I'm not really sure why they needed contact me in the first place. They already got my request to cancel. Also, they didn't have an option to cancel the policy online, and I waited on hold over 30 minutes trying to get an agent before giving up. The amount of work required to cancel this policy seems predatory.

  
  

  Regards,
  
  *********************

  Business Response

  Date: 09/22/2022

  Please see response letter in the attached PDF.

  Business Response

  Date: 10/11/2022

  This letter is in response to the follow up inquiry from the Better Business Bureau of *********
  (Bureau) sent on behalf of ********************* (insured) and his renters insurance policy number
  PRH5987414 (Policy) issued by Praetorian Insurance Company (Praetorian). We respectfully
  offer the following response to *********** inquiry.
  Praetorian has confirmed that no additional invoices were generated for the insured or this Policy.
  Praetorian also confirmed that a that a refund in the amount of $48.24 was generated and mailed
  on to the Insured on September 23, 2022. Nothing is due on this Policy as it was cancelled effective
  May 29, 2022 per the insureds request.
  We appreciate the opportunity to address *********** inquiry. Should you have any additional
  questions, please do not hesitate to contact the undersigned at the number and email below, or our
  complaint department at *******************************.
  
  Respectfully submitted,
  /s/ *****************************
  *****************************
  Senior Complaint Analyst
  Legal, Regulatory and Compliance
  QBE North America
  ************
  Fax: ************
  ****************************************

  Customer Answer

  Date: 10/11/2022

  Thank you
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *********************
  

• Initial Complaint

  Date:08/18/2022

  Type:Product Issues
  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.

  I have had QBE Homeowners insursnce since 2015/16.My homeowners insurance payments were escrowed through my mortg company, First Federal Bank.I recieved my full premium refunded to me in the mail, that my escrow account paid on 7/23/2022.I investigated and found my homeowners ins was canceled as of 7/2/2022. I received the refund check 8/12/2022.QBE told me i was canceled due to non -payment by 7/3 from my mortg company.My mortgage company recieved notice on 6/6/2022 that payment was due 8/19/2022.QBE would not reinstate my policy based on the cacelation date of 7/3. However, the documents they sent my mortg company states payment due 8/19.I now have a lapse in ins. I am now considered high risk and some homeowners ins will not accept me. The polcies i can get for the same coverage are much higher because i am considered a risk.I did some research, and QBE is unloading there clients in the US and servicing companies will not service QBE anymore.(such as Progressive)I have to pay for a lapse in coverage from 7/3 - 8/19, i also have higher home insurance costs, bc they didnt honor the documents they sent my mortg company.I will have copies of the documents from my.mortg company, proving the info QBE sent were listed due date of 8/19/2022.

  Business Response

  Date: 08/23/2022

  This letter is in response to the above-referenced inquiry from the Better Business Bureau of
  ********* (Bureau) sent on behalf of *************************** (insured). QBE Insurance Corporation
  (QBE) issued a homeowners insurance policy to the insured, number QHP7660840 (Policy).
  We respectfully offer the following response to the Bureaus inquiry.
  As with the prior renewals since the Policys first issuance in 2015, QBE billed insureds
  mortgagee, First ************ (Mortgagee) for the renewal premium. The bill was sent on June
  13, 2022, in the amount of $2,516.00, with a due date of July 3, 2022. Payment was not received
  by the due date, and QBE issued a Notice of Intent to Cancel on July 8, 2022, providing that the
  Policy would cancel if premium was not received prior to July 23, 2022, the effective date of the
  cancellation.
  
  Premium was not received until July 26, 2022, after the deadline provided in the Notice of Intent
  to Cancel and after the Policy had been cancelled for non-payment. Premium was returned to the
  Mortgagee and the Policy remains non-renewed.
  We appreciate the opportunity to address the Bureaus inquiry. Should you have any additional
  questions, please do not hesitate to contact the undersigned at the number and email below, or our
  complaint department at *******************************.
  Respectfully submitted,
  /s/ *****************************
  *****************************
  Senior Complaint Analyst
  Legal, Regulatory and Compliance
  QBE North America
  ************
  Fax: ************
  ****************************************

• Initial Complaint

  Date:08/17/2022

  Type:Service or Repair Issues
  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.

  I had a water leak on 10/29/21. I filed a claim with QBE and it has been a nightmare ever since. Since they dont have any adjustors in Ca they hired a non licensed adjustor to provide an estimate. This adjustor came to my house and said" my estimates are always low just to warn you". This estimate was so low I could not find a contractor to perform the work near this estimate even the contractor later sent out by qbe was no where near this amount. QBE has repeatedly broke department of insurance regulation with no regard. When asked to have counsel review the violation the adjustor will flat out say no. I still have not been able to perform the work, my house has active mold, and with a newborn I fear their health is in danger because the insurance adjustor wont fairly adjust this claim.

  Business Response

  Date: 08/29/2022

  BBB of *********
  10019 *****************************************
  *********, ** 53214
  Attn. *************************
  *******************************************************
  
  Re: Your file number: 17732495
  Complainant: *******************************
  Claim number 830256N
  Loss date: 10/29/2021
  Policy number: QHF0527236
  Insured name: *******************************
  Insurance company: QBE Insurance Company
  NAIC number: 39217
  Dear ***********************,
  We are writing on behalf of QBE Insurance Company, a member company of QBE North America, which
  issued Policy No. QHF0527236 to ******************************* for the period 07/02/2021 to 07/02/2022 (the
  Policy). The purpose of this letter is to respond to the ********* Better Business customer concern
  notice dated August 18, 2022 regarding the October 29, 2021 property damage claim (the Claim) under
  the Policy.
  We value our customers and appreciate their business. We will do our very best to address the issues and
  concerns raised in the complaint letter. We understand that the policyholder is concerned that he has
  been unable to resolve the contractor estimate with QBE and QBE has not provided a contractor to do the
  work for the amount paid.
  In considering the ********** DOI Complaint/Request for assistance, we have reviewed the Policy and the
  claim information available to us. The following is a chronology of the claims handling and the facts
  specific to the issue(s) in the complaint.
  10/29/2021 Claim reported to QBE for water damage to property.
  10/29/2021 A licensed independent adjuster from ****************** was assigned to inspect
  reported damages. QBE is not aware of any representations made by the IA regarding
  the amount of his estimates nor is the IA authorized to make such representations until
  QBE has had the chance to adjust the claim.
  
  10/29/2021 Code Blue, mitigation vendor, was assigned to assist the insured with any
  
  mitigation requirements.
  
  Page 2 of 3
  11/01/2021 QBE Claim Professional ******************************* (**) made contact and discussed the claim
  with the insured. During the call, the insured confirmed that Code Blue was at the
  property performing mitigation services.
  
  11/02/2021 ****************** performed the inspection at the insured address ***** ********************** ***********, ** 92587.
  
  11/04/2021 Code Blue reported to QBE that the bathroom tile in the affected area was dry. The **
  emailed the insured 11/04/2021 to explain that the bathroom tile does not need to be
  
  replaced because it was not affected by water and if it was replaced that would be an out-
  of-pocket expense for the insured.
  
  11/09/2021 QBE reviewed the ****************** damage estimate of $25,519.29. Less
  recoverable depreciation of $8,685.52 and $1,000 deductible, the ** issued payment in
  the amount of $15,833.37. The ** provided a settlement letter explaining the check
  amount.
  
  12/02/2021 *********************************, Public Insurance Adjuster (PA) emailed the ** and attached an
  
  estimate from Save the Day in the amount of $74,349.07.
  
  12/06/2021 The ** sent a copy of the Save the Day estimate to ****************** and asked that it
  
  reach an agreed scope of work with the PA.
  
  12/09/2021 ****************** provided QBE with an increased estimate of $32,863.55. As a result,
  
  QBE issued a supplement payment to the insured in the amount of $7,231.85.
  01/19/2022 The ** received a report from ****************** advising that a scope for the repairs
  had been agreed with the PA. Based on this agreed upon scope, QBE issued a second
  supplemental payment in the amount of $1,503.10.
  
  4/14/2022 PA called QBE demanding payment based on the $74,349.07 estimate from Save the Day
  or for QBE to provide the name of a contractor who can do the work for QBEs estimate.
  5/25/2022 PA called to tell QBE that she reached an agreed scope and estimate with ********************* in the amount of $65,000. The new claims professional, ************************* asked for
  a copy of the email exchange.
  
  6/2/2022 PA called QBE to request that it provide a licensed contractor who can do the work for the
  
  QBEs estimate amount.
  
  06/17/2022 QBE Claim Professional ************************* retained licensed contractor Service Master to
  reinspect the home. After the reinspection, Service Master provided a complete detailed
  estimate of all repairs based on the same scope of work as the insureds supplemental
  estimate of $74,349.07. Service Master advised it could perform all the work for the
  estimated amount of $55,258.23.
  
  06/22/2022 QBE adjuster advised the PA that Service Master could perform the repairs for
  
  $55,258.23. The estimate is based on the same scope of work reached with the PA. The
  PA stated some items were missing from the Service Master estimate and she would
  provide a supplemental estimate.
  
  08/09/2022 The PA submitted a supplement repair estimate in the amount of $34,303.99 which is
  
  currently under review by QBE vendor Code Blue
  
  QBE has adjusted the claim in good faith, made payments and has made every attempt to reach an
  agreed scope and estimate with the insureds PA. QBE is continuing to do so by reviewing the August 8,
  2022 supplemental estimate provided by the PA. QBE expects to get the result of the review shortly and
  will notify the PA.
  It is extremely important to us that our customers be completely satisfied with our claim service. If you
  have any questions after reading this letter, please contact the undersigned so that we can fully respond to
  any additional concerns.
  
  Page 3 of 3
  Sincerely,
  ***********************
  ***********************
  Claims Supervisor
  Direct: ************
  Fax: ************
  E-mail: ***********************

• Initial Complaint

  Date:08/09/2022

  Type:Service or Repair Issues
  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 21st 2022 my car was broken into while visiting my boyfriend down in ******* as he works there. I had been paying homeowners insurance for over five years never once filed a claim. I filed a police report, filed a claim and now they are not paying me the settlement. I understant to an extent some of the issues they have with their protocol. I tried looking for receipts for the items that were in my vehicle as my boyfriend had just got off from work and I drove three hours from ******* to *******.

  Business Response

  Date: 08/10/2022

  August 10, 2022
  *************************
  Better Business Bureau of *********
  10019 *****************************************
  *********, ** 53214
  *******************************************************
  RE: Complainant ID: ********
  Complainant: ***************************
  Policy Number: Unknown
  
  Issuing Company: QBE Insurance Corporation
  NAIC Number: 39217
  Dear ********************:
  This letter is in response to the above-referenced inquiry from the Better Business Bureau of *********
  (Bureau), sent on behalf of *************************** and claim she filed on her insurance policy issued by QBE
  Insurance Corporation (QBE).
  We have reviewed our records but are unable to locate the policy and or claim with the limited information
  provided in *********** inquiry. We would like to request additional information (i.e., policy number,
  claim number) to assist ** in locating the policy or claim.
  Thank you for the opportunity to address *********** inquiry. Should you have any additional questions,
  please contact the undersigned at the email below.
  Very truly yours,
  /s/ *****************************
  *****************************
  Senior Complaint Analyst
  Legal, Regulatory and Compliance
  ******************************************
  
  One QBE Way
  ***********, ** 53596
  qbena.com