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We know what our responsiblity is and we did notify her agent at nationwide the same time we notified ERA however I have a email that was sent by the agency that stated that it was never documented. And the check that Nationwide sent was sent out incorrectly because Nationwide did not do their homework and mailed it to my stepfather which had been dead now three years.And the renewal went to the property which was insured not the correct address for his estate . As far as the daughter stepping in I am her daughter and when I got involved Nation wide would not talk to me for the first month and I had to provide them with a power of attorney before they would talk to me, so stepping in for your parents is not as easy as you make it sound,I did step in and thats when I found out that Nationwide had been paid $3519.00 for this year which lead to these problems, and not only did I find out that they collected and were paid in full for the 2012 insurance Cheer's Agency told me that they do not write dwelling policies and they would cancel the policy Dec 19th 2011. And even though they had been paid already they canceled her policy . So I ask how can you be paid and cancel a policy leaving a home with out insurance coverage and still have the full amount when it was canceled. (Lets not forget they sent a check but it was in the wrong name, so Nationwide still had the funds that had not been refunded correctly.) After reading what you wrote I can see that you know alot about insurance and and rate increases so I ask what insurance company do you work for ? Let me guess Nationwide????

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