Hello my name is Angela Marrs and my husband is Jason Marrs. I know you get tons of emails and sorts daily, but we have a story and need to get it out. On December 23, 2008 we lost our home to a house fire. It was determined to be electrical after the insurance company did there investigation. Since then the insurance company know as AAA or Member Select since they go by 2 separate names have been horrible to deal with. They put us up in a hotel for 3 months then finally got us into a rental property which they had been paying up until now. Since the fire they have been tiring everything not to pay us and so finally we hired an attorney. When we original bought our insurance in April 2008 and only got $172, 741 coverage for the house and $129, 556 for contents. A month later AAA/Member Select sent us a letter stating that we were in violation of the policy that we had to insure the home for the replacement cost which was $408, 000 and $306, 000 for contents. We tried to get out of it, but were not able to and had to insure it for the $408, 000. Now they are tiring to pay less to rebuild even though they made us insure it for that amount by taking out the original oak hardwood floors that we had, oak crown molding, oak doors etc. In addition our policy ended March 21, 2009 and when they renewed our policy they upped our coverage even more and our premium has doubled, yet they don’t want to pay the original amount they made us insure it for. All they have paid out to date is $15, 000 on contents and $20, 000 on dwelling, $15, 000 is not much for 4 people (2 adults and 2 kids) when you have lost everything in a fire. The insurance company hired a independent adjuster to value our home and give a rebuild amount. The adjuster went back and fourth with the insurance company and finally submitted a quote and at the bottom of each page of his quote he state "This is not an accurate quote to rebuild the Marrs home this is what the insurance company told me to do and I am don’t working for them". So they have not settled on anything. Then the insurance company AAA or Member Select since they go by 2 names wanted to talk to friends and family so we gave them contact information. Then that wasn't good enough they wanted bank statement and credit card statements and as many receipts as we could get for items we had, we provided them with all that. But as you know most stores don’t keep receipts for any amount of time, but we got what we could.
Now as of July 31. 2009 we have no home to live in. They have denied our whole claim and we are having to sue them in court. They have stated they are not going to pay anything out and not cover our living expenses. The only 2 reasons they gave us were 1. when they dug up our property to find the cause of the fire they only dug up one corner of it and only found 2 TV’s and they said under oath we stated we had 6 which was true. They said we mislead them and it breaks there contract. Not only did we have 6 TV’s but our family and friends verified that when they talked to them. The 2nd reason why was that they said our bank statements only shower that we brought in $130, 000 and our expenses that we spent were over $160, 000 and we didn’t have enough income for that. They did not take into account our credit cards or loans we had out or any cash we got. We are self employed and we get a lot of clients that pay cash and like we told them all that does not get deposited and any self employed individual will tell you that.
But the bottom line is they denied our claim and now until we settle in court we are homeless. We have 2 children whom are staying with my mother in Missouri because we don’t know where we will live. The State Insurance Commissioner told us they are the 4th worst insurance company in the USA and we are learning that the hard way. We honestly don’t know what we are going to do and we don’t want anyone else to have to go through what we are doing. We are paying AAA or Member Select since they go 2 name $3000.00 a year to insure our property and there is nothing on it. We don’t believe they are treating us fair they have prolonged this every step of the way now they are just coming up with more and more stuff.
Also we tried to get the local media involved and even provided proof to them but one news station did not even read our documents he just called AAA/Member Select and they told him they offered us $20, 000.00 less than what we were insured for and we declined it so that is why they denied our claim. We told them that was a bunch of crap and we have the paperwork stating why they denied us and they told us it was to much to read. We also contacted our attorney who was shocked they would even lie to the media just to save there butt. We are in need of getting this story out and need all the help we can get. I hope you take the time to read this is look into this.
If there is anything you can do we can give our attorneys number and provide documentation for all this. We don’t think our attorney is doing all he can be doing. SO we are open for advice.

Thanks,
Angela and Jason Marrs