Complaint Review: State of Iowa Insurance Division - Market Regulation Bureau - Des Moines Iowa

I am the author of 1 report and 1 update on the problems my husband and I have with the State of Iowa Dept of Insurance.

In my report, I have told of the serious problems we have with the State of Iowa Dept of Insurance and how they FAILED to fully and carefully investigate a major complaint against Onward Insurance Agency of Maquoketa, Iowa  and Heritage Insurance Company back in April through June, 2023.

I described how this Consumer Protection Specialist, SONYA, who proported herself to be an ADVOCATE FOR THE CONSUMER, was instead

JUST A RUBBER STAMP FOR THE INSURANCE COMPANY.  Instead of protecting US,  THE CONSUMER, SHE DELIBERATELY CHOSE TO PROTECT ONWARD INSURANCE AGENCY AND HERITAGE INSURANCE.

In my first UPDATE, I described how she chose to believe every single word uttered by BOTH COMPANIES.

This SONYA, had the nerve to tell me that she had PROOF, SIGNED BY ME, THAT I KNEW AND AGREED TO AN ONLINE ACCOUNT AND EVERYTHING BOTH LYING INSURANCE COMPANIES SAID.

She claimed she was enclosing such PROOF by postal mail and e-mail.  I reported that she never sent such proof to me.

NOW AN UPDATE - SHOCKING AS IT SEEMS:

This, so called, Consumer Advocate, SONYA, finally - sent me some paperwork.  However, what she sent was just an APPLICATION FOR INSURANCE THAT WE SIGNED BACK IN EARLY APRIL, 2023.  just a 5 page Application.

Nothing on anything else signed by me for setting up and agreeing to an online account and other terms of the Heritage Insurance.  The paperwork for the online account agreement was just 1 page that was just a form that I never saw nor signed.

I guess Sonya does not know the difference between an Application for Insurance and an Agreement for Other Matters.

This proves that this Sonya is either

1.)  Unable to Read Nor tell the difference between an Insurance Application and any other paperwork

2.) She is only there to PROTECT THE INSURANCE COMPANY.

Both, I now believe to be true.

I wrote back to her, but she never answered.

FOLKS, THIS IS SADLY, WHAT HAPPENS WHEN YOU DARE TO FILE A LEGITIMATE COMPLAINT AGAINST AN INSURANCE COMPANY.

YOU NEVER WIN - UNLESS YOU HAVE A GOOD LAWYER.

In my years of experience with Home Insurance Companies, and dealing with several Depts of Insurance, in other states, THESE STATE AGENCES ARE RARELY ON THE SIDE OF THE CITIZEN.

Filing a complaint, is a waste of time and will only cause you much fustration.

Many of these State Depts of Insurance have Elected Positions and it is the Insurance Companies who largely contribute to their re-election.

THEREFORE, THEY ARE NOT ON THE SIDE OF THE CITIZEN AND ONLY GO WHERE THEIR BREAD IS BUTTERED.

Signed,

More Words of Wisdom - If you cannot find a good lawyer, to fight your complaint, try taking the insurance company or agency to court if you feel you have been wronged.

Never know, you might just meet a Fair Judge.

I am the author of the report # 1527262 on the Iowa Department of Insurance Commission.  Yesterday, I receive a letter from SONYA, the Officer of Consumer Advocacy in the Iowa Dept of Insurance.  She basically said the same thing she told me on the phone last week, which is just to TAKE THE SIDE of the Onward Insurance Agency and Heritage Insurance. Again, her point is THAT MY VERSION OF WHAT HAPPENED IS DIFFERENT FROM THE VERSION TOLD BY THE AGENT WHO SOLD US THE POLICY.  As I said in my original report, this agent has been with Onward a short time and even the agent's manager admitted fault upon the agent.  But of course, when it comes to answering a citizen complaint, the agency does a 180 degree turn and blames this all on us.  TWO SENIOR CITIZENS WHO ENTRUSTED THEM WITH INSURANCE POLICYS.

What causes me to write an UPDATE and to add more Information, is the letter content itself.  SONYA, says, WITH REGARD TO YOUR AUTO PAYMENT ON THE HOMEOWERS INSURANCE.  YOU SIGNED A DOCUMENT ON 3/29/23 (ATTACHED) WHICH PROVIDES INFORMATION ON HOW TO SET UP THE AUTO PAYMENT.

First of all, this ALLEGED, ATTACHED DOCUMENT, was NOT included with this letter.  This clearly shows the lack of attention to our valid complaint and the incompetance of the Iowa Dept of Insurance in NOT attaching this document, as Sonya said in the letter.

Secondly, as I told Cristen and Sonya, several times in our complaint, e-mails and phone conversations, the Onward Agent, never told me anything about setting up an automatic online payment.  The agent said HE would take care of the auto payment monthly by an automatic deduction using the credit card I provided and paid the first 2 months of this worthless home policy.  He told me he would set it all up for us.

WE NEVER RECEIVED NOR SIGNED ANYTHING ABOUT AN AUTOMATIC PAYMENT SET UP ONLINE. ON 3/29/23.  Also, we only had the quote from the agent and we were NOT moved into the State of Iowa on March 29, 2023.

Yet, the Iowa Dept of Insurance Chooses to believe the Insurance Agency and NOT US.

If anyone out there, reading the complaint and this update, has any supportive help for us, please respond via this website.

Again, we say, to all out there, DO NOT BOTHER FILING A COMPLAINT WITH THE IOWA DEPT OF INSURANCE OR ANY STATE INSURANCE COMMISSION.  Your valid complaint will, most likely, fall onto deaf ears and you will be further fustrated then you were when you filed the complaint.

We filed the complaint in good faith and expected to be treated fairly, but we got the short end of the stick, and I fully expect YOU will too if you file a complaint against an insurance company or agency.

Finally, SONYA has the nerve to write  I UNDERSTAND YOUR FUSTRATION.  If she truly understood our fustration, she would have not taken sides and given us a fair shake.  However, she failed to do so and caused more FUSTRATION for us in this POOR EXCUSE of as so called INVESTIGATION.

Signed,

Never Believe a Government Agency When They Say They Are Here To Help You.