Nations Hazard Update

Originally Posted By: dfrend
This post was automatically imported from our archived forum.



I have just recieved a letter from the United States Postal Investigator that is handling the Nations Hazard scam. They are on top of it. I talked to him on the phone as well as Mr. Bader. The postal Investigator said he reads posts here, but wished to remain nameless to stay of Napadows radar while hunting the man down. He is very focused on getting this guy and wants us to keep the word out there.



DO NOT BUY FROM NATIONS HAZARD INSURANCE. REPORT ALL ATTEMPTS BY THEM TO SELL INSURANCE!


--
Daniel R Frend
www.nachifoundation.org
The Home Inspector Store
www.homeinspectorstore.com

Originally Posted By: Chris Butler
This post was automatically imported from our archived forum.



I will second Mr. Frend’s comments,


Napadow’s got two bull dogs on his #^^.


For anyone who has been taken advantage of by Mr. Napadow please contact Ted Bader - Washington or James Peacock - Illinois and they will take your information and utilize for their cases, as well as the USPS’s.



Chris Butler


(former) Director of Membership @ FREA

Originally Posted By: pstack-oconnor
This post was automatically imported from our archived forum.



I requested an insurance quote from Nations Hazard on the 19th and then started a search for info on the company and found the long discussion on this board that started last year. Needless to say I won’t be buying insurance from them but FYI they did send me a quote today. If I hadn’t read the discussion I would have purchased from him just based on his turn around time. I’ll try to attach the quote if anyone is interested.


Patrick

Friday, February 20, 2004

Nations Hazard Insurance
180 S. Western Avenue, PMB 273
Carpentersville, Illinois 60110
Telephone: 866/351-4680
Facsimile: 501/621-7818
E-Mail: Info@NationsHazard.com


Stacko Industries
yhtcdytdcyty
Falls Church, Virginia 22042

Attention: Patrick Stack O'Connor
E-Mail Address: Patrick@Stacko.net

Dear Sir or Madam:
We are pleased to present you with our quotation for the Nations Hazard *Occurrence Based Insurance Plan H2000, which combines the E & O Insurance for liability coverage with prepaid legal insurance.

Your Proposal is as follows for a Sole Proprietorship:

Coverage is for 1 year term commencing with binding date. Binding Date is the date that signed documents are faxed back to our office and the processing of the 1st payment.

E & O Coverage: $1,000,000 Aggregate (Total of Policy Terms)
$ 500,000 Per Occurrence (Each Claim a Separate Occurrence)
$ 500.00 Deductible per Occurrence (Each Claim)

To explain the above: The Aggregate Coverage is the limit of the policy over the one (1) year term. You are liable for any combined judgments over $1,000,000 and you are also liable for any single judgment over $500,000. The $500 deductible is for each claim not total for all claims during the policy term.
*Occurrence Based vs. Claims Based is an important criterion in choosing a policy. Refer to ?Question and Answer? section of website http://www.nationshazard.com for complete comparison.

Please check which coverage you would like to contract for:

Principal, CEO, Senior Partner - $175.00 per month [ ]
Entity with multiple inspectors - $30.00 per each additional
employee inspector per month
? Enter # to be covered ( ) [ ]
Entity with multiple inspectors - $80.00 per each additional
sub-contractor inspector per month
? Enter # to be covered ( ) [ ]
Commercial/Industrial Inspections - $15.00 per month [ ]
Lead Paint Inspections & Testing - $10.00 per month [ ]
Termites (WDI)/Pests Inspection - $18.00 per month [ ]
Radon Testing & Reporting - $8.00 per month [ ]
Mold Testing & Reporting - 58.00 per month [ ]
Septic System Testing & Reporting - $10.00 per month [ ]
Water Testing & Reporting - $8.00 per month [ ]
FHA 203k Consulting Services - $10.00 per month [ ]
*General Liability Coverage - $60.00 per month [ ]
Fidelity Bond - $5,000 increments @ $5.00 per month per
increment - # of increments - [ ] per inspector [ ]
Increase Coverage from base of $500,000/$1,000,000
to $1,000,000/$2,000,000 - $28.00 per month [ ]
PA Building Code Official & Third Party Agency Certification
(Requires Increase coverage rider of $1,000,000/$2,000,000) - $39.00 per month [ ]

Legal Defense Insurance ? Refer to Cost Sheet for Price [ X ]

Tail Insurance - [ ] years, [ ] # of inspections [ ]
?Pay-as-you-go?? - $395.00 Enrollment Fee [ ]

Payment Method Monthly - [ ] or Annually w/12% Discount - [ ]

Company Name _________________________________________

Principal _________________________________________

Telephone # _________________ Time to Call ____________

Effective Date of Coverage: ____/____/_______

Signature ________________________ Date: _________

Fax to: Nations Hazard Insurance @ 501/621-7818




Example:

Principal, two (2) payroll inspectors & one (1) sub-contractor inspector.
Principal - $175.00, 2 payroll inspectors - $30.00 x 2 = $60.00, 1 Sub-Contractor inspector ? $80.00 = $300.00 per month
Plus Options (For Example):
Commercial/Industrial Inspections - $15.00
Radon Testing & Reporting - $8.00
Each inspector @ $39.50 per month for Legal Defense Coverage = $39.50 x 4 = $158.00
Your monthly premium would be $496.00 to Nations Hazard Insurance Company,

* General Liability coverage is also available as an option. General Liability covers bodily injury or property damage as a result of the insured?s professional activities. Example: Ladder falls & breaks the picture window; General Liability would cover that occurrence. All deductibles, limits, claim filing, etc. are the same as the Errors & Omissions policy.

Tail Insurance Binder:
Tail insurance is an insurance policy that extends the ?Claims-Made? insurance policy of another carrier for X amount of years. We offer this as an option based on the following chart of pricing:

1 year ? $285.00 2 year - $500.00 3 Year - $642.00
Each additional year over 3 add $115.00 per year.
Number of Inspections during term X $1.40 each inspection
(Note: Be as accurate as possible on the number of inspections, I t is better to pay a little more now than give the insurance company a loophole to get thru later, if there is a claim.

PAYMENT INFORMATION:

The policy can be either billed monthly or annually.
The monthly bills will be mailed out 15 days before due date and are due on or before the policy anniversary date.
If paid annually, a 12% discount will be applied to the E & O, GL, Legal Defense, any endorsements, and the Tail Insurance portion.






Within 30 days from Date of Binding
You will receive: The Certificate of Insurance, Claim Form, Request for Insurance Certificate Issuance to Third Party Form along with some useful information on avoiding claims in the future and a free review of your inspection contract and suggested changes, additions, deletions, etc. You are not obligated to modify your contract but most of the suggestions, if any, could preempt claims.

We, at Nations Hazard Insurance Company, do hope that you receive this proposal favorably and look forward to being long term partners in your business.

Best regards,



Staff of Nations Hazard


Note: Quotation/Proposal is binding for 30 days from date submitted. Subject to change after that date.

P.S. Fax in ?Check-Box? page and Personal Information page for all inspectors to be named in the policy.

Nations Hazard Insurance
180 South Western Avenue, PMB 273
Carpentersville, Illinois 60110 USA


Personal Information required for processing:

Each inspector and/or sub-contractor inspector that you wish to be covered by the policies needs to give this information on a separate submittal.

NAME OF COMPANY: ________________________________
Social Security #: ______/____/________
Date of Birth: ___(Month) / ___ (Day) / _____ (Year)
Last Name: ________________________________
First Name: ________________________________
Middle Initial: ______
Company Mailing Address ________________________________
City ________________________________
State ________________________________
Zip + 4 (If known) ________________________________

Home Mailing Address: ________________________________
Apt./Suite #: ______
City: ________________________________
State: ___________________
Zip + 4 ___________________

Office Phone: ______ - ______ - ________ Ext: ____
Office Fax: ______ - ______ - ________
Cell Phone: ______ - ______ - ________
Home Phone: ______ - ______ - ________
E-mail Address: ________________________________
.

Applicant Signature: ________________________________

Date of Signature: ___(Month) / ___ (Day) / _____ (Year)



Fax to: Nations Hazard Insurance Company @ 501/621-7818
?Pay-as-you-go??

?Pay-as-you-go? is an insurance program to assist the part-time or new inspector in insuring his/her inspections as they build their business.
The policy is all-inclusive, meaning that it covers the Errors and Omissions and General Liability and the same limits as the ?Standard? policy of $500,000 per occurrence, $1,000,000 Aggregate and with a $500.00 deductible. If you require any of the ?special? endorsements, such as: water, radon, mold testing and reporting; then you must add those monthly fees to the base price. Refer to the ?Check Box? page for pricing.

The Enrollment Fee is $395.00, which activates the insurance coverage, and you will be issued five (5) PER-INSPECTION CERTIFICATES OF INSURANCE certificates that must be faxed to our office before, not after the inspection. Additional certificates can be purchased via our website (currently under construction for this plan) or via faxed in order form @ $22.50 per certificate plus $5.95 postage & handling charge, plus any special delivery request, such as Priority Mail or Fed-Ex.

You will also be required to have the Legal Defense Insurance. Costs are different in every state. See pricing sheet attached.

To sign up for this plan, you will need to fax in the ?check box? page, the payment information page, the Personnel information page.

Policies can be issued within 24 hours, if required.














Legal Defense Pricing per State Per Month
There is an One-Time Enrollment Fee of $10.00 for all Legal Defense Policies

Alabama $39.50 Alaska $55.00
Arizona 39.50 Arkansas 39.50
California 39.50 Colorado 39.50
Connecticut 39.50 Delaware 39.50
District of Columbia 39.50 Florida 25.00
Georgia 39.50 Hawaii 49.00
Idaho 16.00 Illinois 39.50
Indiana 39.50 Iowa 39.50
Kansas 39.50 Kentucky 39.50
Louisiana 39.50 Maine 16.00
Maryland 39.50 Massachusetts 39.50
Michigan 39.50 Minnesota 39.50
Mississippi 39.50 Missouri 39.50
Montana 39.50 Nebraska 39.50
Nevada 39.50 New Jersey 9.95
New Hampshire 55.00 New Mexico 39.50
New York 24.00 North Carolina 39.50
North Dakota 16.00 Ohio 39.50
Oklahoma 39.50 Oregon 39.50
Pennsylvania 39.50 Rhode Island 16.00
South Carolina 39.50 South Dakota 16.00
Tennessee 25.00 Texas 25.00
Utah 39.50 Virginia 39.50
Vermont 16.00 Washington 16.00
West Virginia 39.50 Wisconsin 39.50
Wyoming 39.50
The above pricing is for the ?Principal? only. Any additional partners, payroll employee inspectors and/or sub-contractor inspectors would only need personnel coverage instead of the ?Principal? who needs personal and business coverage. Call for those rates, as they are different for each state.


Originally Posted By: mjones1
This post was automatically imported from our archived forum.



Can you believe this s**t head has even raised his prices. I see he still has WA on the legal defense price list.


DON'T DO IT!

Mike Jones (one of the WA victims)


Originally Posted By: gjohnson
This post was automatically imported from our archived forum.



Nations Hazard is also running along the names of the The Hartford Group also.



Gary (Snicker’s) Johnson - Free NACHOS


The NACHI Foundation


Executive Director


301-591-9895

Originally Posted By: cmccann
This post was automatically imported from our archived forum.



I just got this e-mailed to me…Is this the same guy? ------- As a Professional Home Inspection Company, you know the importance of being insured in this litigious society. We have developed a unique offering of E & O and General Liability insurance to protect Home Inspection Companies. Please visit the website at http://hartfordcasualtyinsurance.com and fill out the easy submittal form so we can show you how we can give you better coverage at better pricing.


We hope to be of service to you in the near future.


Sincerely,
Customer Service Representative


--
NACHI MAB!

Originally Posted By: Chris Butler
This post was automatically imported from our archived forum.



yes, unfortunately it is…


What is amazing is that Hartford has not shut this site down.


Think they are going to be just a tad upset when they see this???


Also, take a look at the phone number - US Virgin Islands and the fax is in Arkansas - probably Little Rock.


This guy just won’t go away.


Stay alert - I have had three calls today asking if I could “beat” his rates…


Beat it I said - heck no - but I’ll insure you with a legitimate policy!


Sincerely,



Chris Butler


(former) Director of Membership @ FREA

Originally Posted By: Blaine Wiley
This post was automatically imported from our archived forum.



I wonder why he doesn’t list Florida there??


Originally Posted By: gbeaumont
This post was automatically imported from our archived forum.



Hi Chuck,


yes this is the same guy, comming to an "America's most wanted" show near you !!

Regards

Gerry


--
Gerry Beaumont
NACHI Education Committee
e-mail : education@nachi.org
NACHI phone 484-429-5466

Inspection Depot Education
gbeaumont@inspectiondepot.com

"Education is a journey, not a destination"

Originally Posted By: slanicek
This post was automatically imported from our archived forum.



Domain Name… hartfordcasualtyinsurance.com


Creation Date… 2004-01-08


Registration Date… 2004-01-08


Expiry Date… 2006-01-08


Organisation Name… Napslo Holding Company


Organisation Address. 180 S. Western AvenuePMB 273


Organisation Address.


Organisation Address. Carpentersville


Organisation Address. 60110


Organisation Address. IL


Organisation Address. UNITED STATES


Admin Name........... Michael Napadow
Admin Address........ 180 S. Western AvenuePMB 273
Admin Address........
Admin Address........ Carpentersville
Admin Address........ 60110
Admin Address........ IL
Admin Address........ UNITED STATES
Admin Email.......... mikenapadow@msn.com
Admin Phone.......... 8663514680
Admin Fax............ 5016217818

Tech Name............ Tech Support
Tech Address......... 101 Marietta Street
Tech Address.........
Tech Address......... Atlanta
Tech Address......... 30303
Tech Address......... GA
Tech Address......... UNITED STATES
Tech Email........... mittransfers@interland.com
Tech Phone........... +1.8005895060
Tech Fax............. +1.4045860001
Name Server.......... a.ns.interland.net
Name Server.......... b.ns.interland.net


Originally Posted By: Ted L Bader
This post was automatically imported from our archived forum.



I also didn’t see Washington listed. Maybe he at least has enough sense to stay out of this state. The Hartford is now aware of his latest pitiful attempt.


Just for info, I received three "zipfile" attachments containing nasty worms and viruses today from legitimate government addresses in Canada and Michigan. Only problem is none of the senders really sent them. Our computer system shot them out of the sky like clay pigeons before they got to me.

Any others involved in the investigation of this fool should be aware of e-mails from unknown sources.


--
Ted L. Bader, Chief Investigator
Legal Affairs Division
Office of the Insurance Commissioner,
POB 40255
Olympia, WA, 98504-0255
(360) 725-7049 tedb@oic.wa.gov

Originally Posted By: mjones1
This post was automatically imported from our archived forum.





West Virginia 39.50 Wisconsin 39.50


Wyoming 39.50


He may not be selling insurance here in WA but it looks like he is still selling legal defense.

Mike


Originally Posted By: gjohnson
This post was automatically imported from our archived forum.



That legal defense fund is crap. If you really look at it. Its for personal and it doesn’t cover you if you really really had to go to trial…



Gary (Snicker’s) Johnson - Free NACHOS


The NACHI Foundation


Executive Director


301-591-9895

Originally Posted By: mjones1
This post was automatically imported from our archived forum.



Oh believe me I know it was part of MY package from NH.


Mike


Originally Posted By: slanicek
This post was automatically imported from our archived forum.



he’s also involved with something called ‘pre-paid legal casualty’. ever hear of that?


http://www.state.sc.us/consumer/material/registrations_and_licenses/prepaidlegal/n.htm


Originally Posted By: mjones1
This post was automatically imported from our archived forum.



Yep… that is the legal defense part, he sub that out or something.


Mike


Originally Posted By: slanicek
This post was automatically imported from our archived forum.



sorry to hear about your run in with this guy. for what it’s worth me and some friends are having some fun researching. what a trail this guy has. i’ll let you know what we come up with. icon_biggrin.gif


Originally Posted By: Blaine Wiley
This post was automatically imported from our archived forum.



Well, since we have been provided his address, perhaps we should send over Guido, Vinny, and Carmine to “explain” to him that he should be providing some refunds to some of our damaged clientele…


Originally Posted By: gjohnson
This post was automatically imported from our archived forum.



Don’t let it fool you blaine… see the PMB in his address… Personal Mail Box. Almost like a PO Box but a littel different



Gary (Snicker’s) Johnson - Free NACHOS


The NACHI Foundation


Executive Director


301-591-9895