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Cincinnati Financial Corporation


Country United States
State Ohio
City Fairfield
Address 6200 S. Gilmore Road
Phone 513-870-2000
Website https://www.cinfin.com

Cincinnati Financial Corporation Reviews

  • Dec 20, 2017

On July 5, 2017 I had a trip and fall incident at Hilton Homewood Suites in Ocala, which, among other injuries, chipped a few of my teeth. The following day i went to the hospital emergency room, and was told that all of my injuries, except my teeth would resolve themselves. My dentist gave me a written estimate of procedures required to repair and restore my teeth. The estimate was $6,307.00. I submitted this estimate to Cinncinatti Insurance, and was offered half that ammount as "i was equally responsible for the accident".

I refused that because the accident happened because of a stone hearth that was sticking way out of the fireplace, which caught my leg, above my ankle as i was walking past the designated path by the fireplace.

i suffered a brain-stem stroke a few years ago that resulted in intensive physical therapy because I had to relearn to walk. While my gait is good when i'm refreshed, when I'm tired or have been sitting for a while, my walking is often not perfect. I have no problem proving this to the insurance company. This is why I'm insulted by the claim that I'm partly responsible for the accident. A planter or objrct at the side of the fireplace would have prevented this accident.

i was later contacted by Cinncinatti Insurance and offered $5000.00 minus $372 that they were paying to a physicians group at the hospital emergency room. My insurance covered that bill!

I recently retired as a teacher, and am on a limited income. I will turn 71 in two days! My wife and i are on a much deserved vacation. We were in New Orleans on Nov. 20, at Hilton Hotel, then in San Francisco. We are currently in Hawaii, spending time with our daughter and her family. We did not budget for this accident, nor do I feel responsible for it. We have contacted Hilton Corporation and they have washed their hands of this, claiming it is an insurance issue. I don't really care whether this is Hilton's responsibility or the insurance companies, I just want hem to accept responsibility, correct the problem at the hotel, and pay to have my teeth repaIred! This will only get more expensive as time goes on, and i will not stop being their conscience until they do the right thing. As I am no longer in Florida, and unsure when we will return, getting my teeth repaired elsewhere may be more expensive. Please help me with this issue.

  • Sep 17, 2015

Director of Compliance, Underwriting, Legal, et al.

Memorandum for the Record

Pursuant to Consumer Financial Protection Laws, I am notifying you through this correspondence, that I am going to be filing a formal complaint regarding the circumstances for denial by Cincinnati Insurance as it relates to claim #2014066 & by proxy Nederveld File #13801332.

Through my own due diligence, I will be able to factually establish that in the summer of 2013, a series of severe thunderstorms hit the Ohio Valley Region. In their wake, my house’s roof was severely damaged and needed immediate repair. In lieu of this severe roof damage, I filed an insurance claim hoping to get reimbursement for my repairs stemming from my loss.

Subsequently after filing, Cincinnati Insurance (by proxy your affiliate Nederveld) denied my claim for damages. In the final determination, your affiliate adjuster from Nederveld, cites “It is our opinion that the cause of water intrusion is the result of an improperly constructed roof” and “There is no casual relationship between the water intrusion or the deflecting roof with a storm event.” (Pg. 2, Nederveld Report). For the sake of brevity this comment is truncated, but is quoted to invoke the premise for denial of claim #2014066 (Nederveld File #13801332).

Moreover, your adjudicator’s comments puts forth the deceptive notion that there is no possible connection between the severe storms and thus justifies that Cincinnati Insurance should not have to honor this particular claim. Although, in his own reports, he self admits that this particular area has been hard hit by recent storms. (Pg. 2, Nederveld Report)

Interestingly enough, in the 20 years that I have been a Cincinnati Insurance client, you never clearly or conspicuously disclosed that my roof was excluded from coverage. That is of course, not until I filed a claim for reimbursement that you decided to notify me of my exclusions. Not surprisingly, when an insurance company is forced to pay for damages – institutionally their position is to deny responsibility for coverage, for things as basic as roof damage. Again, this is in spite of tacitly accepting 20 years of payments for my property. Luckily, no one was physically injured; otherwise I hate to think of the impact to my family that would have stemmed from this particular business practice.

Certainly, any reasonable person would argue that if your company had clearly and conspicuously conveyed this exclusion of coverage, as it relates to my roof and my home -- I would have acquired insurance through another carrier. This begs the question, what was the purpose in paying you to be my insurer for?

In addition, it is my contention that Cincinnati Insurance and through its subsidiary Nederveld improves your policies and communication procedures for future disclosures on policy exclusions. This notwithstanding I have included substantiation of my damages and am demanding full payment for $15,347.00. This reimbursement amount is for my damages and is promptly requested within 60 days from receipt of this letter.

In due course, If my complaint is not remediated within 60 days, I will be forced to formally seek assistance with the Ohio Attorney General’s Office, FTC, CFPB and DOJ in hopes that they provide resolution to this injustice.

Respectfully Sent,

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