The following notice was sent to owners at Las Palomas on Sept 23, 2014...
Dear owners,
Hope this email finds you well.
The following after greeting you is to inform that because we were notified by some owners that their insurance policies bought through their agency“Proalliance” were cancelled for non-payment even though they had paid their agent. We took on the task of verifying the status of some policies and as of today there are over 16 confirmed policies that were cancelled for non-payment.
Therefore we recommend to please contact your Policy Insurance Provider to the 1800 number which is listed in your policy, to make sure your policy is in good stand and covered for the dates stipulated.
Interesting,
I paid my home insurance to Pro Alliance 3 weeks ago and verified that the check was deposited by the issuing agent AXA Seguros.
It took almost 4 weeks for the check to be deposited. (deposited to a Citibank AXA Seguros account)
I am still waiting for my policy to be forwarded to me, I e-mailed Rosie's company, 30 minutes before I read this post.
I know Pro Alliance has moved recently and when I dropped off my check the new office was un-organized with boxes of policies everywhere.
I am sure Rosie will straighten this out.
I hate to read posts like this without knowing both sides of the story. Getting thrown under the bus on a public internet forum without being able to defend yourself just doesn't seem right. Rosie Glover/ProAlliance Insurance has always treated me very well over the years and everything I've ever seen or heard about her has been very professional. I look forward to reading her response/explanation to this.
I hate to read posts like this without knowing both sides of the story. Getting thrown under the bus on a public internet forum without being able to defend yourself just doesn't seem right. Rosie Glover/ProAlliance Insurance has always treated me very well over the years and everything I've ever seen or heard about her has been very professional. I look forward to reading her response/explanation to this.
Hopefully its nothing to worry about and I hope Rosy is able to follow up with the resort or the site since the email went out to many. I know that someone we all know well had a death in the family and maybe Rosy is dealing with that issue right now. Its not my place to disclose the news, however I understand other issues may be at play with any delay in response (understandable).
Indeed, there are two sides to every story. I personally don't try to pass any judgement until I've heard both. Unless, of course, it's Jerry or Kenny, then I just write it off to old hippie flashbacks. (just yanking your chains! :p)
Not a word on here as you can tell, hope everything is well.
That insurance company has already provided info & responses on the mainstream RP sites. Few people come to this forum anymore for info / updates on anything.
Heres a little heads up.....The reason there is not a word on here is because "here" is an obsolete irrelevant forum w/ few visitors w/ less & less visitors every week.
Here's a little heads up for you. Go play somewhere else. We're not worthy. Enjoy your ban for life! And oh, have a nice day!
If you have a property policy with Mapfre, I suggest you call the carrier directly to find out if your policy is active. It appears that several property owners are receiving notice of no coverage (policy issued but no premium received from the agent). Your policy will have the contact # for Mapfre (the property insurance carrier used by ProAlliance).
That insurance company has already provided info & responses on the mainstream RP sites. Few people come to this forum anymore for info / updates on anything.
Heres a little heads up.....The reason there is not a word on here is because "here" is an obsolete irrelevant forum w/ few visitors w/ less & less visitors every week. There is too many quality RP forums , RP websites, RP news sites etc that people now go to for good unbiased info on Rocky Point like Rocky Point 360, Facebook Rocky Point & RP News Online FB, large scale email news lists, etc etc..
As you all know this forum was hijacked years ago by a few bozos that stalk this forum 24/7 bashing RP & turn off all new visitors. I used to go to this forum a couple times a week & now maybe twice a year. Again this forum is obsolete that has apx 6 regular people that post 99.9% of the posts. If your looking for good fast up to date info on RP without all the weird stress cases stalking the site hi jacking posts, trying to get you to argue w/ them you need to go to the other RP websites mentioned above..... I now pop on here twice a year just to get a good laugh at the same nut cases bashing RP anyway they can....I told you years ago that if you kept it up your audience would disappear on this website......So good luck to the 6 or 8 people who go to this website.....
That insurance company has already provided info & responses on the mainstream RP sites. Few people come to this forum anymore for info / updates on anything.
Heres a little heads up.....The reason there is not a word on here is because "here" is an obsolete irrelevant forum w/ few visitors w/ less & less visitors every week. There is too many quality RP forums , RP websites, RP news sites etc that people now go to for good unbiased info on Rocky Point like Rocky Point 360, Facebook Rocky Point & RP News Online FB, large scale email news lists, etc etc..
As you all know this forum was hijacked years ago by a few bozos that stalk this forum 24/7 bashing RP & turn off all new visitors. I used to go to this forum a couple times a week & now maybe twice a year. Again this forum is obsolete that has apx 6 regular people that post 99.9% of the posts. If your looking for good fast up to date info on RP without all the weird stress cases stalking the site hi jacking posts, trying to get you to argue w/ them you need to go to the other RP websites mentioned above..... I now pop on here twice a year just to get a good laugh at the same nut cases bashing RP anyway they can....I told you years ago that if you kept it up your audience would disappear on this website......So good luck to the 6 or 8 people who go to this website.....
That insurance company has already provided info & responses on the mainstream RP sites. Few people come to this forum anymore for info / updates on anything.
Heres a little heads up.....The reason there is not a word on here is because "here" is an obsolete irrelevant forum w/ few visitors w/ less & less visitors every week. There is too many quality RP forums , RP websites, RP news sites etc that people now go to for good unbiased info on Rocky Point like Rocky Point 360, Facebook Rocky Point & RP News Online FB, large scale email news lists, etc etc..
As you all know this forum was hijacked years ago by a few bozos that stalk this forum 24/7 bashing RP & turn off all new visitors. I used to go to this forum a couple times a week & now maybe twice a year. Again this forum is obsolete that has apx 6 regular people that post 99.9% of the posts. If your looking for good fast up to date info on RP without all the weird stress cases stalking the site hi jacking posts, trying to get you to argue w/ them you need to go to the other RP websites mentioned above..... I now pop on here twice a year just to get a good laugh at the same nut cases bashing RP anyway they can....I told you years ago that if you kept it up your audience would disappear on this website......So good luck to the 6 or 8 people who go to this website.....
I like it when the real estate hustlers get all butt hurt! Note the two people that "liked" his post appear to be sock puppets....
I looked at all those places that this person RockyPointBeachBum suggested, and not only do some of those pages not exist on the internet or Facebook, on the ones that do exist, there is nothing about ProAlliance Insurance.
That insurance company has already provided info & responses on the mainstream RP sites. Few people come to this forum anymore for info / updates on anything.
Heres a little heads up.....The reason there is not a word on here is because "here" is an obsolete irrelevant forum w/ few visitors w/ less & less visitors every week. There is too many quality RP forums , RP websites, RP news sites etc that people now go to for good unbiased info on Rocky Point like Rocky Point 360, Facebook Rocky Point & RP News Online FB, large scale email news lists, etc etc..
As you all know this forum was hijacked years ago by a few bozos that stalk this forum 24/7 bashing RP & turn off all new visitors. I used to go to this forum a couple times a week & now maybe twice a year. Again this forum is obsolete that has apx 6 regular people that post 99.9% of the posts. If your looking for good fast up to date info on RP without all the weird stress cases stalking the site hi jacking posts, trying to get you to argue w/ them you need to go to the other RP websites mentioned above..... I now pop on here twice a year just to get a good laugh at the same nut cases bashing RP anyway they can....I told you years ago that if you kept it up your audience would disappear on this website......So good luck to the 6 or 8 people who go to this website.....
Your waxing on about hijacking was quite an impressive hijack in itself.
The reason there is not a word on here is because "here" is an obsolete irrelevant forum w/ few visitors w/ less & less visitors every week.
Presumably you have access to the forums servers to somehow prove this? Did you install the analytics code yourself?
Perhaps you haven't visited other forums on the internet, they're all the same. Always confluence of people with varying opinions and ideas, that's what makes them fun. If you just want a warm and fuzzy viewpoint on every single thing that happens in RP, then those sites are probably great for you. If you want an honest discussion of current events, great restaurant reviews, helpful local advice, in town driving directions, important information for first timers, and tons more, then this is the place.
That insurance company has already provided info & responses on the mainstream RP sites. Few people come to this forum anymore for info / updates on anything.] Really!! Other quality Rocky Point Forums are pretty scarce without any recent updates. Most FB sites on RP are a cluster f#@* of information/misinformation.
Most of the other "quality sites" you referred to are pretty poor and have much less info (other than the ad's) than here at RPT.
Rocky Point Talk is still the place to go for info, local members seem to have a good ear for things that are going on in Penasco.
True this forum isn't as popular as it was, it can get silly at times and there are some people who try to dominate threads.
(but the cooler weather will bring many absent members back to this forum).
Also true is that threads can get hijacked faster than a 4x4 truck parked on the Coastal highway at night.
True, there are some people who could be happier with their lives, But there are also many people who just love life and contribute regularly.
Until something else better comes along, this is my #1 stop for anything Rocky Point, (RP Times also keeps me informed on upcoming events).
I doubt another forum could get this popular, because the lure of advertising $$ would cause it to fail.
The Creators and Administrators of this Forum have done a very good job in keeping it under control and have kept this forum performing
at a very high level. (This forum is a labor of love) Thanks, Tyler, Stuart and the others who keep this going.
So back to this thread. Maybe somebody who knows Rosie or does business with her should give her a call and see what is going on. Sounds like she has a very good reputation in this town and that this is unlike her. We have always used the other carrier in town as that was what was recommended to us.
We Renewed our policy back in June. After reading this thread I checked and my policy was never emailed to me. Went into the office the other day to find out the policy was never renewed. We had the reciept for the payment and they started a new policy with a different company. They said they are switching everyone to a new company.
We have a home in Town so it has nothing to do with the condo's but I would suggest people check and make sure they have a policy.
We Renewed our policy back in June. After reading this thread I checked and my policy was never emailed to me. Went into the office the other day to find out the policy was never renewed. We had the reciept for the payment and they started a new policy with a different company. They said they are switching everyone to a new company.
We have a home in Town so it has nothing to do with the condo's but I would suggest people check and make sure they have a policy.
I am also waiting on my new policy (it had increased glass coverage added 4 weeks ago) The insurance issuing agency AXA deposited the check in
late Sept.
I know we are with a new insurance company, since Pro Alliance and I had problems with the company I was with last year.
I spoke with Patty on Friday and she said they will have the amended policy for me this week, I will pick it up in person when I am in RP next week.
I will post the outcome when I see them next week.
We Renewed our policy back in June. After reading this thread I checked and my policy was never emailed to me. Went into the office the other day to find out the policy was never renewed. We had the reciept for the payment and they started a new policy with a different company. They said they are switching everyone to a new company.
We have a home in Town so it has nothing to do with the condo's but I would suggest people check and make sure they have a policy.
Yes there was a lapse. They started the new policy on Monday so I don't know what they would have done if I had made a claim before that. I had a reciept saying I paid but that is all,we originally paid in cash.
This time they gave me a copy of the policy.
Why were so many policies not paid?
Where did the money go (the checks were cashed by the agency)
If a claim had occured with no coverage... what recourse would an insured have in Mexico?
Is ProAlliance in a position to pay for claims not covered by an insurance policy (ex. with the recent storms, just a few dwellings and we are talking a few hundred thousand in damage)?
Why where clients not notified they had no insurance (it took an email from a resort to find out)?
Why did it take rumors for clients to find out 'pro-actively' that they did not have insurance?
Why a sudden switch in carriers? Is the current carrier suspending service to ProAlliance or is it a voluntary switch to a different carrier?
Who cashed the checks and did not apply payment to the policies (is fraud involved)?
Why has their been limited information from the insurance agency (Pro-Alliance)?
How long of a lapse did most of these policies in question have?
Is it customary to write a check out to the agency rather than the carrier?
How does a client know if their policy is active (does one just rely on the agency)?
I talked to Patty today said Rosie is fine but very vàgu said they have been very busy and was sorry for not providing the info I requested on renewal I think we will go with ace what do you think?
99.99 % of Rosie's clients have her cell number. Maybe someone should call it to see if the mail box is full. If it is, it could be a medical problem with Rosie or something else. Normally she would be here Johnny on the spot to clear anything up. I hope all is well with her.
I talked to Patty today said Rosie is fine but very vàgu said they have been very busy and was sorry for not providing the info I requested on renewal I think we will go with ace what do you think?
This is really odd. They don't seem to really be giving anybody any answers as to what really happened. Are you going with Ace through ProAlliance? I'd certainly want to know more first (like the answers to the questions dry heat has asked).
I like it when the real estate hustlers get all butt hurt! Note the two people that "liked" his post appear to be sock puppets....
I thought some, not all, but some of Chucks post had some merit that others were not addressing. Jerry, I don't intend to get into a war of wits here with you as you have shown you are never lost for words. What I don't understand is I made no comment here but some find it appropriate to start name calling because I liked some of what Chuck stated. I don't post here because of this, I don't want to be associated with some of the riffraff here. I come here for information about a location I very much enjoy. But it is very difficult sometimes to cut through the BS that many of the regulars are permitted to rant about that has no relevance to the thread subject. So Please play nice and leave me out of your name calling unless you truly believe I have done something that warrants it. Thank you.
I thought some, not all, but some of Chucks post had some merit that others were not addressing. Jerry, I don't intend to get into a war of wits here with you as you have shown you are never lost for words. What I don't understand is I made no comment here but some find it appropriate to start name calling because I liked some of what Chuck stated. I don't post here because of this, I don't want to be associated with some of the riffraff here. I come here for information about a location I very much enjoy. But it is very difficult sometimes to cut through the BS that many of the regulars are permitted to rant about that has no relevance to the thread subject. So Please play nice and leave me out of your name calling unless you truly believe I have done something that warrants it. Thank you.
Chuck Who? The bead guy? What does he have to do with insurance?
We have two condos and had our insurance with ProAlliance for both. We paid Rosie by checks (which were cashed) and received copies of our insurance policies. I contacted Mafre yesterday, and was astounded to find out that our policies had been issued in the system, but then cancelled because Mapfre never received payment. So as of now, and apparently for quite some time, we have not had insurance coverage. I urge all of you to contact Mapfre and find out the status of your policies. We did speak to Rosie yesterday, and she's a very nice person, but there are definitely some problems there. Thank goodness the recent storms didn't cause damage, as we would not have had insurance to cover it.
I've never owned property in Mexico, so maybe there's a reason for this... But why do you have to pay the agent instead of the company like we do for home owners insurance here?
I've never owned property in Mexico, so maybe there's a reason for this... But why do you have to pay the agent instead of the company like we do for home owners insurance here?
That's a really good question, dry heat asked it too. I just checked my check register to see how my insurance agent does it. For our condo insurance, the check was written out to the insurance company, General de Seguros, S.A.B. For our car insurance, it was written out to the agent, Alejandro Portugal Martinez.
We have two condos and had our insurance with ProAlliance for both. We paid Rosie by checks (which were cashed) and received copies of our insurance policies. I contacted Mafre yesterday, and was astounded to find out that our policies had been issued in the system, but then cancelled because Mapfre never received payment. So as of now, and apparently for quite some time, we have not had insurance coverage. I urge all of you to contact Mapfre and find out the status of your policies. We did speak to Rosie yesterday, and she's a very nice person, but there are definitely some problems there. Thank goodness the recent storms didn't cause damage, as we would not have had insurance to cover it.
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So are Rosie and Patty both being vague about what happened? Why aren't they being real clear as to what exactly is going on?
I started to read some old threads on this insurance topic. This is what Rosie said back in May 2013 re: why the checks are written to her: "While I can't imagine a situation where a claim would be paid out of my account, we do ask my clients who aren't paying with credit/debit cards to write the checks out to me. The insurance underwriters and I settle up every month and what I've collected (minus my commission) is deducted from what they owe me."
What's also interesting is that somebody had a $50 claim with Portugal re: damage to his 5th wheel, and the $50 came from Portugal's personal account so it appeared that the premium that was paid by the owner of the 5th wheel was not paid to a legit insurance company.
Now it is really getting interesting....
The payments (in full) is supposed to be remitted to the carrier by the insurance agency (they allow 45 days to receive from the date of issue). I understand that it is common in Mexico to have the payments made out to the agency and then the agency sends the payments in bulk to the carrier (usually a wire deposit 1x each month). The interesting thing she noted above is the statement that she deducts the commission from the total. As far as I understand, the carrier collects the entire premium and they pay the agency directly and not from a deduction of the clients payment (based on my conversation this evening with Mapfre in Mexico).
We have two condos and had our insurance with ProAlliance for both. We paid Rosie by checks (which were cashed) and received copies of our insurance policies. I contacted Mafre yesterday, and was astounded to find out that our policies had been issued in the system, but then cancelled because Mapfre never received payment. So as of now, and apparently for quite some time, we have not had insurance coverage. I urge all of you to contact Mapfre and find out the status of your policies. We did speak to Rosie yesterday, and she's a very nice person, but there are definitely some problems there. Thank goodness the recent storms didn't cause damage, as we would not have had insurance to cover it.
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So what are you going to do? Did ProAlliance offer to give you your money back?
Rosie offered either a refund or to extend our policies for a year at no charge. We chose the refund - hopefully we will receive it. We are looking into other agents, including Portugal, but the $50 Portugal claim being paid out of Portugals account concerns me. The Mapfre gentleman that I spoke with recommended Adventure Mexican Insurance for your homeowner's insurance. Eddie Ramirez at (831) 477-0599 or email him at [email protected]. We haven't contacted him yet.
Rosie offered either a refund or to extend our policies for a year at no charge. We chose the refund - hopefully we will receive it. We are looking into other agents, including Portugal, but the $50 Portugal claim being paid out of Portugals account concerns me. The Mapfre gentleman that I spoke with recommended Adventure Mexican Insurance for your homeowner's insurance. Eddie Ramirez at (831) 477-0599 or email him at [email protected]. We haven't contacted him yet.
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Why was the payment not made to the Insurance co. by Rosie
I hate to read posts like this without knowing both sides of the story. Getting thrown under the bus on a public internet forum without being able to defend yourself just doesn't seem right. Rosie Glover/ProAlliance Insurance has always treated me very well over the years and everything I've ever seen or heard about her has been very professional. I look forward to reading her response/explanation to this.
With all due respect shark, Its gonna be a long wait, Mystery to solve!
I have recently taken on several new customers at our Bill Pay service who say that they left Rosy's bill pay service as their bills were not being paid despite having funds on account with her.
Why were so many policies not paid?
Where did the money go (the checks were cashed by the agency)
If a claim had occured with no coverage... what recourse would an insured have in Mexico?
Is ProAlliance in a position to pay for claims not covered by an insurance policy (ex. with the recent storms, just a few dwellings and we are talking a few hundred thousand in damage)?
Why where clients not notified they had no insurance (it took an email from a resort to find out)?
Why did it take rumors for clients to find out 'pro-actively' that they did not have insurance?
Why a sudden switch in carriers? Is the current carrier suspending service to ProAlliance or is it a voluntary switch to a different carrier?
Who cashed the checks and did not apply payment to the policies (is fraud involved)?
Why has their been limited information from the insurance agency (Pro-Alliance)?
How long of a lapse did most of these policies in question have?
Is it customary to write a check out to the agency rather than the carrier?
How does a client know if their policy is active (does one just rely on the agency)?
Holy crap! For lack of a better idea as to where to begin, I'll start with this one:
- Why were so many policies not paid? How many? We've been auditing (ever since first informed of the issue) and have thus far had to inform 12 clients (out of thousands) that although they paid their policy, the payment was not credited to Mapfre. As to who screwed up...I intend to find out for sure, but frankly, between the audit and responding to client inquiries, that will have to wait.
- Where did the money go? Of course the checks were signed by us. Each and every payment received has been noted in the client file. It seems the disconnect has been in the application of payments with the underwriter. It's important that everyone understand that the discrepancy is ONLY with a small number of Mapfre Tepeyac policies. I am personally calling those affected to speak with them and offer them a full refund or a new policy at no cost.
**This issue has NOTHING to do with auto policies, driver's license policies or ACE policies.
- If a claim had occurred with no coverage... what recourse would an insured have in Mexico? Well, I'm not leaving town. I have goals (business, personal and political yet to realize). I've managed to live 63 years without ripping anyone off, so the liability would've been MINE, had anyone with an invalid policy had a claim. Ethically, morally and personally. It is the way I've always conducted myself and can prove it. I must point out that just in the last year we've had
- Is ProAlliance in a position to pay for claims not covered by an insurance policy (ex. with the recent storms, just a few dwellings and we are talking a few hundred thousand in damage)? ProAlliance, maybe not, but Rosie Glover...yes. By the way, all storm damage is covered by HYDRO PHENOMENA and only ACE offers that coverage, so the question is moot because NO ACE POLICIES have been compromised at all. With Mapfre it's a non-issue. Let me point out that most storm damage is to the building itself and therefore the liability lies with the resort Master Policy. As worrisome as storm damage is, it's the least-frequent seen claim. The biggest cost and most frequent claims are for burst plumbing that damages several condos below it. We've NEVER had a claim that wasn't paid...but to answer your question as to whether we could afford it if our clients had had a claim...the average claim amount is under $1,000.
- Why where clients not notified they had no insurance (it took an email from a resort to find out)? You are mistaken. Las Palomas could have (and in my opinion should have) contacted me directly to report the issue. They didn't. Ultimately they did us all a favor because we're now conducting an audit and revamping our process to eliminate any possibility of this happening again. A client came to me in August with a discrepancy in his policy. I personally refunded his money. After my check cleared, he called me with what I consider an extortion attempt. He wanted me to reimburse him every premium he'd paid over the years, even though we could prove those policies had been paid. He threatened to make a big stink at the condos and he also threatened to report us to Hacienda (Mexican IRS). I refused. I knew that we would have to conduct an audit and make everything right with our clients. To pay a guy 'hush money' is ridiculous and I cannot imagine ever buying into that.
So...when that guy went to Las Palomas they opted to release an email to ALL OWNERS rather than contact me. My lawyer fired off a certified letter to them and we began the tedious audit process and the notification of clients who were affected. I will post a letter to clients that I posted on that day. At the time we'd only found 6 policies that hadn't been paid. To date, we've found 12. Excluding the Extortionist, only one client has not agreed to let us give him a new annual policy (at my expense). That said, I'm sorry to lose even one. Not because of the income but because I believe wholeheartedly that for condo insurance, ProAlliance remains the best option.
-Why did it take rumors for clients to find out 'pro-actively' that they did not have insurance? As mentioned above, we have lots of clients and we've got to go through each and every one. Mapfre sent us a list, but that list included policies that were legitimately cancelled (client never paid us). The audit is going in alphabetical order, yet we are stopping to address the inquiries when someone contacts us directly. The vast majority of clients have contacted us directly to ask about their policy status.
- Why a sudden switch in carriers? Is the current carrier suspending service to ProAlliance or is it a voluntary switch to a different carrier? It isn't a 'sudden switch'. We've sold ACE policies as long as we've been in business. This situation is difficult. As far as I'm concerned, Mapfre's reaction has been less than helpful. When all this first came to light I spoke with them at length. A few years ago they up and decided to no longer offer HYDRO coverage. This created a problem for some of our clients. Claims have been taking too long to process and of course we bear the brunt of the client's frustration. Other carriers such as ACE are written in English, paid directly to the underwriter with a credit card number and is the policy we've found to be most like policies in the U.S. I've been a high-producer for Mapfre for over 9 years. I asked them for time to complete our audit and to call each client personally. Request denied. Last year, our contact within that organization lost his battle with cancer. Since then I've not found the relationship to replace the one we had.
- Who cashed the checks and did not apply payment to the policies (is fraud involved)? Checks were made out to me, endorsed by me and deposited in my account. I can assure you that with the average condo policy in the range of less than $150 dollars annually, it's isn't a lucrative business as far as scams go. It appears to have been an honest mistake. I'm not ruling out that someone may have screwed up, though. Policies aren't paid for (us to the carrier) one at a time. Once or twice a month I'll deposit a few thousand dollars for a block of policies. In fact, the bank limits us to $3,000 a pop. We are then issued one receipt for that block. This makes the audit take longer because we must take each receipt and confirm which policies are paid in that particular block. If someone screwed up, I'll deal with it, but the responsibility is all mine and I don't hide from that. I will make things right for all involved.
- Why has their been limited information from the insurance agency (Pro-Alliance)? Uhh...because we're busy putting out fires? Conducting an audit, responding to inquiries and researching bank records...in addition to our regular daily grind.
- How long of a lapse did most of these policies in question have? It varies. Remember we're talking about 12 policies so far. A couple were almost due to renew and others had recently been emitted.
- Is it customary to write a check out to the agency rather than the carrier? Our clients have never written a check to ProAlliance. As is customary in Mexico, my legal name is my fiscal business name and the name on my business account. In recent years it's become increasingly difficult to cash foreign checks. Also, Mexican banks are very persnickety about checks that have poor penmanship, words crossed out, etc. Americans (don't know about Canadians) are used to crossing things out and initialing the error. Taking checks in my own name (in essence cashing checks for my clients) began as a courtesy...especially when clients order policies from home and want to deposit in my account up north
How does a client know if their policy is active (does one just rely on the agency)? Obviously there are some who have called the carrier directly. Others have called us to inquire and on some occasions we've had to inform them that there's a problem and offer them the refund or a new policy. I'm eternally grateful to all those who have opted for a new policy. That new policy was sent to them along with proof of deposit in the Mapfre bank account. Unlike I related above, this time we wrote one check for each policy so each would have its own receipt and then we sent a copy of that receipt to the client with their policy. If they call me or the office, we'll pull their file to check and let them know the status. I'm guessing we'll find more than the 12, but don't expect it will be 20 or more.
Hi Gary, thanks for posting about your experience with us/me. I'm okay...have had a few health issues of my own (in the realm of 'normal', considering). Busy, but that's nothing new. Moved to another house and another office within months of each other, so that was a pain. Dealt with the death of a business associate and the suicide of a 25-yr old nephew. Training others to run the company, so I can live the life of a woman my age...Fortunately now, thanks to the current situation, business requires me to engage. Thanks for your concern. How are you?
So back to this thread. Maybe somebody who knows Rosie or does business with her should give her a call and see what is going on. Sounds like she has a very good reputation in this town and that this is unlike her. We have always used the other carrier in town as that was what was recommended to us.
Thank you for the kind words, Apricot. I'll be hanging around here for awhile answering any questions. Nice to meet you~
Would you recommend that Mapfre clients contact the carrier directly to find out if their policy is active? I think someone posted their email/phone number above.
I am also waiting on my new policy (it had increased glass coverage added 4 weeks ago) The insurance issuing agency AXA deposited the check in
late Sept.
I know we are with a new insurance company, since Pro Alliance and I had problems with the company I was with last year.
I spoke with Patty on Friday and she said they will have the amended policy for me this week, I will pick it up in person when I am in RP next week.
I will post the outcome when I see them next week.
Hi BW, did you finally get your policy? Do let me know.
Something is not right with the whole situation. It feels like something is missing.
Could it be me that's been missing? It isn't nearly as ominous as some are making it out. My clients have actually been wonderful...just one more reason I wouldn't dream of leaving them high and dry.
I agree, totally strange. It would be helpful to know the reason why they are switching everyone to a new company.
The switching of companies is one way of keeping this from happening in the future. The ACE policy payments are easier to track and their accounting system is very helpful. Credit card payments directly to the company. American-style policies and English-speaking reps are a plus. Hydro included. My personal relationship with them dates back to several years before I even started ProAlliance.
I talked to Patty today said Rosie is fine but very vàgu said they have been very busy and was sorry for not providing the info I requested on renewal I think we will go with ace what do you think?
Sorry she sounded vague. She doesn't always have the answers, but I do. Feel free to call me directly any time.
99.99 % of Rosie's clients have her cell number. Maybe someone should call it to see if the mail box is full. If it is, it could be a medical problem with Rosie or something else. Normally she would be here Johnny on the spot to clear anything up. I hope all is well with her.
"My lawyer fired off a certified letter to them and we began the tedious audit process and the notification of clients who were affected."
Why would your lawyer send a letter to the resort? Was the resort not accurate about policies canceling?
It appears that some forum members on here have found out their policies were cancelled... would you suggest those questioning the status of their policy to contact the carrier directly?
You mentioned that the condo business is not lucrative since the avg. premium is $150. Yet you mentioned that you have several thousand clients... one would venture to guess that even if a small percentage of these clients has a condo policy, the total is a decent amount based on $150 per unit. This leads me to my question... Have policy #'s ever been typed up on a policy by your office? Has every policy # listed on the policy been issued by the carrier?
If funds where sitting in your bank account and not wired to the carrier, would you not notice the additional funds?
We have two condos and had our insurance with ProAlliance for both. We paid Rosie by checks (which were cashed) and received copies of our insurance policies. I contacted Mafre yesterday, and was astounded to find out that our policies had been issued in the system, but then cancelled because Mapfre never received payment. So as of now, and apparently for quite some time, we have not had insurance coverage. I urge all of you to contact Mapfre and find out the status of your policies. We did speak to Rosie yesterday, and she's a very nice person, but there are definitely some problems there. Thank goodness the recent storms didn't cause damage, as we would not have had insurance to cover it.
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Hi Rick & Leslie. I was sorry to lose you as clients, yet will continue doing what we can to correct all issues. I can guarantee you that no local agency is without its problems and complaints.
That's a really good question, dry heat asked it too. I just checked my check register to see how my insurance agent does it. For our condo insurance, the check was written out to the insurance company, General de Seguros, S.A.B. For our car insurance, it was written out to the agent, Alejandro Portugal Martinez.
Mexican banks make cashing US checks difficult. It isn't unusual to make the checks out to the agent. Just make sure that when a claim is paid, the check is drawn on the underwriter's check and NOT the agent's.
I started to read some old threads on this insurance topic. This is what Rosie said back in May 2013 re: why the checks are written to her: "While I can't imagine a situation where a claim would be paid out of my account, we do ask my clients who aren't paying with credit/debit cards to write the checks out to me. The insurance underwriters and I settle up every month and what I've collected (minus my commission) is deducted from what they owe me."
What's also interesting is that somebody had a $50 claim with Portugal re: damage to his 5th wheel, and the $50 came from Portugal's personal account so it appeared that the premium that was paid by the owner of the 5th wheel was not paid to a legit insurance company.
It was only a matter of time before one of you thought to mention this. Hmm...I will soon be posting our claim history. No claims have gone unpaid and nott a single check EVER from my personal account.
Is this typical with most insurance companies in Mexico to have a certain percentage of policies slip through the cracks? It seems that if there was a major claim you'd have a great deal of exposure. Isn't there a computer program that would help with employee incompetence or other excuses?
Now it is really getting interesting....
The payments (in full) is supposed to be remitted to the carrier by the insurance agency (they allow 45 days to receive from the date of issue). I understand that it is common in Mexico to have the payments made out to the agency and then the agency sends the payments in bulk to the carrier (usually a wire deposit 1x each month). The interesting thing she noted above is the statement that she deducts the commission from the total. As far as I understand, the carrier collects the entire premium and they pay the agency directly and not from a deduction of the clients payment (based on my conversation this evening with Mapfre in Mexico).
No...I don't deduct my commission with Mapfre. All is deposited and I am paid the commissions for the previous month's production. With all other underwriters, everything not paid to the underwriter is charged to me and deducted from commissions.
I have recently taken on several new customers at our Bill Pay service who say that they left Rosy's bill pay service as their bills were not being paid despite having funds on account with her.
We only had one client. It's a business I never wanted to get into in the first place. "Several new customers"? No way...and we did NOT keep anyone's money.
Would you recommend that Mapfre clients contact the carrier directly to find out if their policy is active? I think someone posted their email/phone number above.
