Checks were cashed by the insurance agent when it came to policies that cancelled due to non payment (ie. one paid for a policy, payment was cashed and no payment was sent to the carrier). Checks were also cashed on policies that had bogus or made up policy #'s (dummy policies). Thus checking to see if your check was cashed is not a safe guard. One needs to call the insurance carrier directly to find out if their policy cancelled due to not payment (ie. the insurance agency did not transmit payment) or if they were issued a bogus policy.
The issue at hand involves only checks that were made out directly to this insurance agent. Policies that were paid with a credit card or paid directly to the carrier are not affected.
brokenwave said:
One could even check their bank account to see if the check or CC charges were processed. Possibly an easier check guard.
I understand that businesses make mistakes... I see it in my profession thousands of times. However what I don't understand in this situation is making up policy #'s? What benefit does an employee have to do this when the check is made out to the agent? How would this be viewed as a 'mistake'? If it is blamed at a later date on an employee... how does the employee benefit financially when the check is not made out in their name? How can they cash a check that is made out to the insurance agent directly?
Hopefully we find answers to this unfortunate situation.
Update: I did receive a call back from Rosie today. She offered me a refund or a new policy with Mapfre or ACE.
Because of the years of good service I've received from her, I elected to give her another chance and went with the ACE policy. I still would like answers as to how it all happened, after she completes her audit.
So I finally spoke with Rosie and got a new policy issued for 2014 2015 My curiosity however peaked and I called to check on the insurance policy I had for 2013 2014 to my surprise I was informed that it was canceled for lack of payment I have placed a call with pro alliance because I find this very disturbing and suggest possibly others looking at the previous years information and calling to see if they had a valid insurance policy for 2013 2014
If you value your property in Mexico and care to know if you actually have coverage, I suggest (for the 11th time) to call the carrier directly and find out the status of your policy (if you have a Mapfre property policy and you paid this agent directly)...
Does the issue of non payment of premiums apply to 2014 only? If not having valid policies goes back a few years, how should clients proceed? Should they request a reimbursement of premiums paid to this insurance agency for prior terms? For example if someone paid for coverage in 2012, 2013 and 2014, and did not have coverage, should they ask for a reimbursement for the prior years also? Calling the carrier directly and providing the policy #'s for prior years should help answer if you had insurance in the past.
Here is my follow up report on Pro Alliance that I posted about 8-10 pages ago.
I went by Pro alliance today and "SHOCKINGLY" they were open for business and not hiding in Cancun. LOL ;)
Their office was looking settled in from their move to their new location on Fremont St. from when I was there in late Aug. they had just moved in.
I also didn't see any moving vans loading up all the evidence to flee the country, maybe they only come around at night.:D
I went to pick up my amended homeowners policy and made the additional charges check out to AXA Seguros.
Paty was there and as friendly as always and let me know that my renewal drivers license policies
through GNP were ready for us as well. And I actually watched Paty input additional info through the GNP
portal they use to issue customers policies with.
I paid for those and left thinking this was just like last year, no problems just another business taking care of their customers.
The issue has nothing to do with policies in which the insured pays the carrier directly (via credit card or a check made out to the carrier). The issue is in regards to property policies with Mapfre. These are policies in which the payment is made out directly to the insurance agent (with the client having no idea if the agent paid their policy or if they even have a valid policy).
Some may view it as humorous or trump their allegiance to an insurance agent, however this issue is serious (just reminds me that some go through life thinking with their emotions). In the meantime, some have no insurance even though they paid and had their checks cashed, some have no idea how long this has been going on for and some have bogus policies in hand.
Let me remind you that if this was taken place in the US... such an agent would have their license suspended pending a state insurance investigation, carrier investigation, errors and omission investigation and banking investigation. At the very least the agent would be suspended from issuing any new business pending an investigation from multiple sides. Many would be dealing with a different insurance agent at this point... yes I know because I see these type of cases in court all the time. It would be interesting to see the reaction if an insurance agent in the US told the various entities that they are on top of the issue with their own independent audit.
Dry Heat -- bring your purse and high heels and meet me out back of Guau Guau tonight. We're gonna settle this once and for all in the true Rockypointtalk Forum way -- a bitchslapping purse fight! No sharpening your nails, that's cheating. And don't mind the film crew, either. I invited them so it can be aired on ESPN Pay Per View with all of the money going to charity. You're welcome to bring a tag partner of your choosing; GV Jack's got my back. All the girls simply call him Killer. :D
Dryheat quotes "The issue is in regards to property policies with Mapfre".
I'm So glad I don't have a policy with them.
But it's great that people such as yourself are providing Mapfre's contact info
to people who don't know if they have a problem.
As it has been stated numerous times in this thread, Rosie should get this straightened out
for all of HER customers. I feel pretty confident if given time, it will.
I have done a claim with another well known agency in RP and I was paid out of an envelope with cash for my claim
but my claim was paid, I thought it weird but know that things are handled a bit differently here in Mexico.
I was with him for over 20 years and he took care of me but I only had 1 claim with him.
I have heard a few negative stories about this agent's dealings from a few of my neighbors and that is why I went with Pro Alliance, that is my only allegiance to Rosie, who I have met 2-3 times.
I also did a claim with Pro Alliance and it was paid with a credit voucher from the policies insurance company
issued to a local bank which I had to come to RP to collect on. Different, definitely!!!.
And if (Huge IF) for some reason this is just a big hoax and there are many people who are being ripped off.
Nature will take it course. The power of a forum.
But, I'm an optimist, Glass almost full all the time, type of guy.
Wow rumble in back of Guau Guau's, I can't wait. Give them hell Stu and GV.;)
Dryheat quotes "The issue is in regards to property policies with Mapfre".
I'm So glad I don't have a policy with them.
But it's great that people such as yourself are providing Mapfre's contact info
to people who don't know if they have a problem.
As it has been stated numerous times in this thread, Rosie should get this straightened out
for all of HER customers. I feel pretty confident if given time, it will.
I have done a claim with another well known agency in RP and I was paid out of an envelope with cash for my claim
but my claim was paid, I thought it weird but know that things are handled a bit differently here in Mexico.
I was with him for over 20 years and he took care of me but I only had 1 claim with him.
I have heard a few negative stories about this agent's dealings from a few of my neighbors and that is why I went with Pro Alliance, that is my only allegiance to Rosie, who I have met 2-3 times.
I also did a claim with Pro Alliance and it was paid with a credit voucher from the policies insurance company
issued to a local bank which I had to come to RP to collect on. Different, definitely!!!.
And if (Huge IF) for some reason this is just a big hoax and there are many people who are being ripped off.
Nature will take it course. The power of a forum.
But, I'm an optimist, Glass almost full all the time, type of guy.
Wow rumble in back of Guau Guau's, I can't wait. Give them hell Stu and GV.;)
Thank you, Brokenwave. As I've said before, I'm in the hot seat and I'll take my licks, but you bring up a very good point. We've never had a claim go unpaid and the client has always been paid with a check directly from the carrier. Dry Heat, where's your list of questions for those who have been paid in cash or with a check from the agent? Before ANY claim is paid in Mexico, just as in the States, The carrier issues a Settlement Agreement. The settlement agreement releases the underwriter from further liability. Only after that is signed by the parties and returned to the carrier will a check be issued by the underwriter to the insured.
I have heard countless stories of wire fraud, tax fraud, corporate fraud and all in between use similar logic... "We have always paid our employees, We have always paid our contractors, we have always paid our claims, we have provided exceptional service." Saying that you have never had a claim go unpaid does not explain the countless policies that were paid directly to you by your clients only to have the check kept in your bank account.
It also does not explain the policies that your office fabricated, accepted payment (in your name) and suggested that your client had a valid policy. It also does not explain how many years this issue goes back. Trying to turn attention to the positives of the company is a twist that one often uses when they are in a similar position. You are fortunate that your business is in Mexico, because if it was in the US, you would not have the benefit of relying on your own 'independent audit'.
The 7000 views in less than 2 weeks shows that this issue is a concern to forum members. The question is, do those outside of this forum even know that they may not have insurance? This is just a small sample size. So far it seems that most who replied on this thread, and called, found out they either don't have insurance or they had a bogus policy created.
Interesting that Dry throws rocks at what he believes to be dishonesty yet he supports the thieves at Las Palomas with furvor. He also was amongst the biggest "cheaters " there before his epiphany when he decided to "buddy up" with the owners of LP to screw the rest of the owners. Shame on you! The truth will always come out my friend.He is an insurance broker, not a lawyer.
The other well known insurance broker in Penasco has long been suspected of pocketing funds and self insuring specific policies. Hence his personal checks from claims arising from those.
I have heard countless stories of wire fraud, tax fraud, corporate fraud and all in between use similar logic... "We have always paid our employees, We have always paid our contractors, we have always paid our claims, we have provided exceptional service." Saying that you have never had a claim go unpaid does not explain the countless policies that were paid directly to you by your clients only to have the check kept in your bank account.
It also does not explain the policies that your office fabricated, accepted payment (in your name) and suggested that your client had a valid policy. It also does not explain how many years this issue goes back. Trying to turn attention to the positives of the company is a twist that one often uses when they are in a similar position. You are fortunate that your business is in Mexico, because if it was in the US, you would not have the benefit of relying on your own 'independent audit'.
The 7000 views in less than 2 weeks shows that this issue is a concern to forum members. The question is, do those outside of this forum even know that they may not have insurance? This is just a small sample size. So far it seems that most who replied on this thread, and called, found out they either don't have insurance or they had a bogus policy created.
Again, I can only do what I can do...and I'm doing it. I am neither a cheat or a fraud and I will not leave anyone in the lurch. You can talk about what you've seen, but that isn't me. Even if several hundred policies needed to be replaced or clients demanded reimbursement, I'd borrow the money, but I would pay it. My clients are my friends and I have a responsibility to them, my employees and to my community. You can officially jump in the lake. Not for your accusations, interrogations and just making a pest of yourself, but because I see no more point to you. You asked your questions and they were answered. If clients of mine have more questions, they can communicate that to me.
Yes Rosie, I was a client of yours for a few years, and you helped me gratis with a very contentious real estate dispute in which I eventually prevailed.
I feel that the time may have come for you to cease defending yourself against these unfounded accusations, as you have been, and are totally forthcoming in my opinion. Would any sane person risk and jeopardize a decades' long reputation for a few thousand dollars....and then remain present for all of this?
It seems that there will always be those who know more than others, and are very pleased to pontificate to the rest of us.
I am confident that once your diligence has been completed, you will explain all, and the methods you've put in place to prevent a recurrence.
Yes, I too am tired of this thread, but my confidence and trust in you remains. I know you will remain strong.
Interesting that Dry throws rocks at what he believes to be dishonesty yet he supports the thieves at Las Palomas with furvor. He also was amongst the biggest "cheaters " there before his epiphany when he decided to "buddy up" with the owners of LP to screw the rest of the owners. Shame on you! The truth will always come out my friend.He is an insurance broker, not a lawyer.
The other well known insurance broker in Penasco has long been suspected of pocketing funds and self insuring specific policies. Hence his personal checks from claims arising from those.
Can you please elaborate with more concrete evidence of what you contend? This could be a conflict of interest that would lend itself to better understanding Dry's position. Please do help the truth to come out.
Interesting that Dry throws rocks at what he believes to be dishonesty yet he supports the thieves at Las Palomas with furvor. He also was amongst the biggest "cheaters " there before his epiphany when he decided to "buddy up" with the owners of LP to screw the rest of the owners. Shame on you! The truth will always come out my friend.He is an insurance broker, not a lawyer.
The other well known insurance broker in Penasco has long been suspected of pocketing funds and self insuring specific policies. Hence his personal checks from claims arising from those.
Again, I can only do what I can do...and I'm doing it. I am neither a cheat or a fraud and I will not leave anyone in the lurch. You can talk about what you've seen, but that isn't me. Even if several hundred policies needed to be replaced or clients demanded reimbursement, I'd borrow the money, but I would pay it. My clients are my friends and I have a responsibility to them, my employees and to my community. You can officially jump in the lake. Not for your accusations, interrogations and just making a pest of yourself, but because I see no more point to you. You asked your questions and they were answered. If clients of mine have more questions, they can communicate that to me.
What???? I remember you from a while ago. sorry my friend, I have had members on this forum visit one of my offices in northern arizona.
The developers did rip off owners at Las Palomas... what's your question?
My 2 units are for sale at Las Palomas, so I won't enjoy it as much.
Developers did rip off owners a
ernesto said:
Interesting that Dry throws rocks at what he believes to be dishonesty yet he supports the thieves at Las Palomas with furvor. He also was amongst the biggest "cheaters " there before his epiphany when he decided to "buddy up" with the owners of LP to screw the rest of the owners. Shame on you! The truth will always come out my friend.He is an insurance broker, not a lawyer.
The other well known insurance broker in Penasco has long been suspected of pocketing funds and self insuring specific policies. Hence his personal checks from claims arising from those.
ernesto said:
Interesting that Dry throws rocks at what he believes to be dishonesty yet he supports the thieves at Las Palomas with furvor. He also was amongst the biggest "cheaters " there before his epiphany when he decided to "buddy up" with the owners of LP to screw the rest of the owners. Shame on you! The truth will always come out my friend.He is an insurance broker, not a lawyer.
The other well known insurance broker in Penasco has long been suspected of pocketing funds and self insuring specific policies. Hence his personal checks from claims arising from those.
Follow up: I called ProAlliance and Rosie Tuesday early AM and asking for a call back. This was concerning the 2013/2014 policy that was canceled for lack of payment. I am not asking for answers I am asking for return calls that assure me this is being looked into. $580 dollars for this policy and one year later I find out I had no insurance coverage. If I had the policies from the other years I would check into those also but I do not. I did renew my 2014/2015 with ACE but what recourse do I have for the previous year?
Again, I can only do what I can do...and I'm doing it. I am neither a cheat or a fraud and I will not leave anyone in the lurch. You can talk about what you've seen, but that isn't me. Even if several hundred policies needed to be replaced or clients demanded reimbursement, I'd borrow the money, but I would pay it. My clients are my friends and I have a responsibility to them, my employees and to my community. You can officially jump in the lake. Not for your accusations, interrogations and just making a pest of yourself, but because I see no more point to you. You asked your questions and they were answered. If clients of mine have more questions, they can communicate that to me.
I think some of us are just perplexed at the whole situation. Many on here have said you provide great service. I have too, from experiences I have heard. I completely understand why you would note the issues I mentioned (which I don't think you have denied). I suppose receiving that newsletter from the resort and posting the content of it was a good idea... because who knows if any of this would have been uncovered. Why are you telling your clients to call you directly rather than the insurance carrier is also perplexing. I get it, they are your clients. However with so many questions about coverage would you not want them to feel more comfortable by calling the underwriter or carrier?. My hope is that this whole thing does not revolved around any form of fraud. I hope that this is simply a horrible clerical error. Its just concerning hearing from others on a daily basis (on this site) that they have called and have no insurance even though they paid. So I guess the thread won't die down on its own. No need to answer since I'm in the lake.
hey! you finally showed a tiny sign of wit. as a reward, you're temporarily out of the lake. It doesn't bother me in the least if people call the carrier. I just didn't let you bully me into telling them to do so. Whether we tell them or mapfre does, it's the same outcome. your hope that isn't fraud is the nicest thing you've ever said to me, but i know better than to think you'll leave it at that. thank you for giving me the jump-off point for addressing my clients. now...even though you've got me at a soft moment...i still put 50 bucks on stuart and gv
We all understand that in some cases an offence is better than a defence. This is not one of those situations.
Mrs Glover: Please come clean with your activities, and give us all a confession or a simple denial. The evidence against you is mounting, and becoming very serious. Of course, we all hope you are totally clean and innocent, as Rocky Point does not need another negative headline that reaches the Az and TX media. The time has come to be very clear with folks who really want to trust you.
You were their trustee. They deserve the truth.
A large number of people trusted you, and paid you good money (a lot more than your claimed 150.00 per policy ) for insurance. There is a lot of evidence you received their money, but did not buy them the insurance coverage you represented. In some cases it seems you did not send the premium to the insurance company. In other cases there is evidence someone actually took steps to conceal the deceit by creating phoney policies. This goes well beyond errors or omissions.
1. is it true this conversion or defalcation of funds goes back at least a year, and more than 1 year ?
2. is it true no employee other than yourself benefited from the conversion or defalcation of funds?
3. if an employee benifited, please identify her/him, and explain how she/he got funds from your personal account
4. do you claim to not have personally benefited from the fake or non-paid policies?
5. Please post copies of your business bank account statements for the last 24 months. They should show money in from trusting clients, and money out to trusting insurance companies.
6.. do you plan to refund money for fake or non-paid policies that have expired, whether or not the client is still a client of your office?
7. how much converted or defalcated money have you or your staff, family or friends, benefited from personally or corporately, directly or indirectly, in the last 24 months?
8. have you ever paid an insurance claim of any amount from your own or company funds, other than by a check from an insurance company?
9. what is the total amount of money that has been converted or defalcated since you opened your business?
10. if you feel an employee created the fake policies, who is this person, and how did she/he benefit from this?
11. do you have any third party insurance coverage in USA or MX for your errors, omissions or defalcation ?
Please note these questions are the product of a group of folks who will not benefit in any way from the truth.
Who the hell are you? If I owe you a refund or a new policy, then say so so I can settle up. If not, then I owe you nothing.
A large number of people trusted you, and paid you good money (a lot more than your claimed 150.00 per policy ) for insurance. If you have reason to believe the average policy is more than that, please do elaborate, genius.
There is a lot of evidence you received their money, but did not buy them the insurance coverage you represented. In some cases it seems you did not send the premium to the insurance company. In other cases there is evidence someone actually took steps to conceal the deceit by creating phoney policies. This goes well beyond errors or omissions.
A lot of evidence? You idiot, I'm not in court. I've been forthcoming and am doing what I can. You've reached the conclusion that I owe clients for policies? Gee...no wonder I've offered refunds....
1. is it true this conversion or defalcation of funds goes back at least a year, and more than 1 year ? - See above
2. is it true no employee other than yourself benefited from the conversion or defalcation of funds? - I don't know where you're getting this. I have said nothing of the sort
3. if an employee benifited, please identify her/him, and explain how she/he got funds from your personal account - I have no intention of throwing anyone under the bus without solid proof, especially since I know how it feels. Let me remind you that I am bound by the labor laws of Mexico and that I would have to be even dumber than I am to start pointing fingers at anyone. You are no one to demand names. I will say only that money must be withdrawn from my account to then be deposited in Mexico to Mapfre. I have NEVER made these deposits personally.
4. do you claim to not have personally benefited from the fake or non-paid policies? - Can't you read? How the hell can you consider what I'm going through a benefit? Multiply the money by 10 and it isn't enough. Don't you realize that if most people trust me there's a reason for it?
5. Please post copies of your business bank account statements for the last 24 months. They should show money in from trusting clients, and money out to trusting insurance companies. - Sure...you sit there and hold your breath...I'll be right back with my entire bank statements.
6.. do you plan to refund money for fake or non-paid policies that have expired, whether or not the client is still a client of your office? - Obviously you can't read. I have refunded money to the two clients who have asked me to. I have issued one check for $727.40 and another for $153.00 In addition I've paid $1,669.83 to Mapfre for 8 new policies (do the math if you want to see what it averages). I've provided ACE policies for those clients who have agreed to the change. I haven't made any distinction at all. I've made it clear to all that if we were paid for a policy, I will be personally responsible and am standing by my word.
7. how much converted or defalcated money have you or your staff, family or friends, benefited from personally or corporately, directly or indirectly, in the last 24 months?
- Do you have any idea what you're talking about? No one has benefited that I know of. If I find someone, I'll turn them over to you for placement in the pillory.
8. have you ever paid an insurance claim of any amount from your own or company funds, other than by a check from an insurance company?
- NEVER. I CHALLENGE YOU TO FIND INDICATIONS TO THE CONTRARY. You're starting to piss me off. You're Dry Heat on steroids. I have addressed this previously.
9. what is the total amount of money that has been converted or defalcated since you opened your business?
- Are you insane?
10. if you feel an employee created the fake policies, who is this person, and how did she/he benefit from this? - You're repeating yourself
11. do you have any third party insurance coverage in USA or MX for your errors, omissions or defalcation ? - do you even know what you're talking about?
Please note these questions are the product of a group of folks who will not benefit in any way from the truth.
-Bullcrap. "A group of folks" who, if they were affected, would be calling me for their refunds. Are you expecting me to believe that this "group" voted YOU the spokesperson? Didn't they have anyone who could write? Now go relieve Dry Heat in the lake...you've made me miss him.
I apologize to the rest of you normal people. What's going on is difficult but I promised I'd get through it and I will. Those of you who have legitimate questions, I'll answer what I can.
OK here's the deal - you attorneys or attorney-types are deposing Rosy in an open forum. You know that any good lawyer wouldn't allow that and wouldn't allow her to answer most of those questions. "Please post copies of your business bank accounts for the past 24 months?" Overly broad and burdensome and irrelevant. You know that. Come on - let her finish her audit and investigation. I don't think it is necessary for her to post results to the public - only people that have done business that is or could be affected should meet with her and figure this out. She already mentioned that she had someone asking for refund that never did business with her. I'm not taking sides just trying to throw an idea out there.
I worked on a case like this years ago - different kind of business but same idea. Customers paid for something, customers got receipts that were handwritten. A bad employee setup a fake company called "IRS Landscaping" at another bank and the bad employee owned that account. Bad employee made out checks to IRS for tax payments and owner signed. Bad employee deposited those checks into IRS Landscaping account and took the money. The real IRS filed on owner for not paying taxes and especially employment taxes. First pass showed that IRS was paid . IRS said no we haven't been paid. It took a lot of work but the owner was vindicated and someone went to jail that wasn't the owner. There are all sorts of possibilities and it will take time to figure this out. Since we always talk about "if this were the US" then I'll say "if this were the US we'd assume the person is innocent until proven guilty." We wouldn't ask for the person to prove their innocence in an open forum. We'd had to present evidence of guilt -beyond a reasonable doubt- in a criminal case and beyond a preponderance of evidence in a civil case. That isn't happening here. Guilty is all everyone is saying. That isn't right. I could and dry heat could probably tell you all kinds of stories like this that would blow your mind on how complicated or how simple they were but the accused had nothing to do with it. Since my periods are followed by double-spaces you can guess I've been typing way before computers so I've been around for a while. Now I'll shut up and go back into the corner and eat crayons.
I apologize to the rest of you normal people. What's going on is difficult but I promised I'd get through it and I will. Those of you who have legitimate questions, I'll answer what I can.
Way to go Rosie, that was an awesome response to an idiot!
Sounds like Rosie needs to be water boarded or sent to Gitmo for a full confession according to DanieTTTTT!!!.
That angry person needs to be added to the invite list for the Rumble behind GG with GV and Stuart. ;)
Sounds like Rosie needs to be water boarded or sent to Gitmo for a full confession according to DanieTTTTT!!!.
That angry person needs to be added to the invite list for the Rumble behind GG with GV and Stuart. ;)
I've got a special extra large purse with a humongous brick for this job. Let me at 'em!!!!
What the eff is defalcated? That's not even a word. This has gone on long enough. Yes, from a moderator that can do away with this crap. One more word and you are gone.......
What the eff is defalcated? That's not even a word. This has gone on long enough. Yes, from a moderator that can do away with this crap. One more word and you are gone.......
It means embezzle. Fortunately Mexico has strict requirements for what is needed to open a bank account, thus having an employee open up a fake account under someone else's name is not very common.
What the eff is defalcated? That's not even a word. This has gone on long enough. Yes, from a moderator that can do away with this crap. One more word and you are gone.......
I am here in Rocky Point, trying to have a good time but I am having to babysit people who aren't here and don't have a dog in the fight, Dry Heat. Leave it the eff alone! I really want to swear.......
Hang on there Madam Moderator. Things are just getting good. I think it will be a fair fight at Guau Guau's with Dry Heaves and Danea and Stuart.
Remember Stuart, I'm right behind you. I'm always behind you. Now defelcated is the past participle of defacate, the meaning of which beats the sh@t out of me.
Rosy, I have a word of advice, which is worth what you're paying for it. You have answered these Junior Perry Masons enough. I would use my energy to get
to the bottom of this mess, make it right, straighten out your internal systems and go to Pan y Vino for a good meal.
Rosie, feel free to use this with Rocky Point Talk….
Dear Rocky Point Talk:
I was very surprised to read the ProAlliance thread on Rocky Point Talk last night. My name is Jim Labelle, and I am the owner of International Insurance Group, Inc. We are an insurance managing general agent specializing in Mexico Insurance, which means that we manage the sales, premium collections, Surplus Lines licensing, and data management for Tourist Auto, Home and Condo insurance products.
We provide this service for several Mexico Insurers, including GNP and ACE. Our operation was founded 15 years ago, and we have nearly 1,000 agents (like Rosie), from all over the USA, Canada, and Mexico, who place Mexico Insurance each year via our Managing General Agency.
The main reason for our success is the operational systems which we have built, which automates all payments and communications, data uploads, etc between our agents and the Mexico Insurers. In reading the thread, it appears to me that the problems that Rosie is encountering with Mapfre are a result of antiquated accounting and data management systems. I cannot speak for Mapfre, but in my experience many of the systems that continue to be used by some insurers, not just in Mexico but also in the USA, have not been modernized in quite some time, and thus lead to not only accounting errors, but other problems that result from the use of antiquated systems. In fact, as hard as it is to believe, some agents before they come to us are still using paper, handwritten policies instead of immediate, internet issued policies from a database which communicates directly with the insurers for data upload, claims, and accounting!
We first met Rosie in 2007. We had been seeking a professional, reputable agent in Rocky Point for years, and we found one in Rosie. Since that time, Rosie has placed over 4,000 Tourist Auto, Home and Condo policies via our operation with ACE and GNP. Rosie has paid us for each of these policies on time, and each policy is immediately uploaded into the respective insurer’s accounting, claims, and policy servicing database. (As an example, while Hurricane Odile hit Cabo only one month ago, our partner ACE has already adjusted Home and Condo claims by the hundreds, totaling several million US dollars in losses. Together with ACE, we were able to retrieve every policy in Cabo from our database on the day after the hurricane, and proactively inspect these insured locations for damage, and start the claims process immediately).
Again, I can not speak to the systems that Mapfre has in place for agents like Rosie, but my belief based on my experience is that the problems that Mapfre policyholders are experiencing stem primarily from accounting systems and operational systems issues between ProAlliance and Mapfre, and not any other factors. As far as our operation is concerned, we continue to trust and count on Rosie to be our exclusive agency representative in Rocky Point.
Best Regards,
Jim Labelle
CEO
International Insurance Group, Inc.
Hang on there Madam Moderator. Things are just getting good. I think it will be a fair fight at Guau Guau's with Dry Heaves and Danea and Stuart.
Remember Stuart, I'm right behind you. I'm always behind you. Now defelcated is the past participle of defacate, the meaning of which beats the sh@t out of me.
Rosy, I have a word of advice, which is worth what you're paying for it. You have answered these Junior Perry Masons enough. I would use my energy to get
to the bottom of this mess, make it right, straighten out your internal systems and go to Pan y Vino for a good meal.
Thanks, Jack. You're right, but there are lurkers out there that need to know who I am. Someday, when the bubble bursts elsewhere, they'll hopefully remember that at least I stood up and did what's right when the poop hit my fan. I was very gratified by the above letter from the CEO of IIG. Hopefully, this will soon be over. My clients and friends are truly wonderful. Even the two cancellations we've had, the people could not have been more gracious and kind. I was sorry to see them go, but understand their decision. My eternal gratitude to those who have given us the benefit of the doubt.
P.S. After a long, hard day...hit Pane e Vino last night. Excellent suggestion~
Thanks, Jack. You're right, but there are lurkers out there that need to know who I am. Someday, when the bubble bursts elsewhere, they'll hopefully remember that at least I stood up and did what's right when the poop hit my fan. I was very gratified by the above letter from the CEO of IIG. Hopefully, this will soon be over. My clients and friends are truly wonderful. Even the two cancellations we've had, the people could not have been more gracious and kind. I was sorry to see them go, but understand their decision. My eternal gratitude to those who have given us the benefit of the doubt.
P.S. After a long, hard day...hit Pane e Vino last night. Excellent suggestion~
We've known you for some years, both as a client and as a friend. We've never known you to be less than honest and always there for anyone that needed you - client, friend or stranger (probably even for a few non-friends). You were always there for us and ours. We believe in you as always.
There is one easy way to resolve this for everyone.
Rosie, simply send a postcard type notice to everyone of your clients advising them of what has occurred, that you have conducted an audit and found very few clients are affected and provide whatever info is necessary for them to verify their policy if they are so inclined. This will not only protect you, but protect your clients as well as provide complete transparency.
Do this and you will not be subject to anymore of this criticism. Those who continue to criticize you here on the Chatline will be forced to stop as you will have done all that you could regardless if this is a clerical mix up or some type of deception.
You say you have 4000 policies. Sending a postcard to each of them will not cost you more that $1,000. Personally, I'd rather spend the money as opposed to having to continue to defend yourself.
Update: I called Rosie on her cell phone and the ProAlliance office on Tuesday am to report my insurance policy from 2013/2014 was canceled due to never having received the funds from ProAlliance. I left a message on her phone and talked to Paty at the office and left a message. As I said in yesterdays update, I was not looking for immediate answers but I did want acknowledgment from Rosie that they would look into the previous years issues also. It is Wednesday evening and I have heard nothing. This disturbs me. All I want is to be is recognized that this issue extend back to the previous year Has anyone else called about the previous years policy and found out the same thing. Also has anyone else with a house had this issue. Rosie told me as of Monday there were only two houses this happened to. The rest of the issues where with Condos.
Email or call the insurance company directly and provide them the policy numbers from prior years. They will be in a position to provide you the information. I would imagine you would have copies of the policies if they were emailed to you.
Has anyone called and found out they have or had insurance that's been paid? I'd like to see some kind of balance in this situation if there is. I've met Rosie and never heard bad things about her business practices and she seemed intelligent and honest. Hopefully there will be a flood of people saying they had paid policies soon. It's impossible to judge without facts and I see very few in this thread.
Email or call the insurance company directly and provide them the policy numbers from prior years. They will be in a position to provide you the information. I would imagine you would have copies of the policies if they were emailed to you.
Dryheat I did call the insurance company and this is how I found out that 2013/2014 and 2014/2015 policies where not valid. Again I got a new policy for this current year however, I am probably out the money I paid in 2013 for that policy. I am wasiting for Rosie to get back to me on this new matter.
Dryheat I did call the insurance company and this is how I found out that 2013/2014 and 2014/2015 policies where not valid. Again I got a new policy for this current year however, I am probably out the money I paid in 2013 for that policy. I am wasiting for Rosie to get back to me on this new matter.
I would assume the fair thing would be for the agent to reimburse your annual dues that were not applied to a policy (since you did not have coverage). So it looks like this issue is now going back more than a year? Are we now talking about clerical errors that took place for mutiple years???? That does seem odd. I could see the excuse being that a clerical error took place during a short period of time, but not over multiple years. How is that possible?
It's good to see all the support for ProAlliance and the owner, Mrs Glover. As we have said before, we all very much want to trust her, and get back to normal in the insurance world in Penasco. The last thing our property values need is another fraud report that affects a huge number of gringos, especially one orchestrated by a gringa from Texas.
We know from experience the main competitor, Sr Portugal, is no angel, but we have not heard he actually created FAKE policies or forgot to send money to the insurer. If anyone has some info to the contrary this is the time to tell us all, and help to save Mrs Glover.
Notwithstanding, we note some folks are now reporting their insurance coverage from SEVERAL PREVIOUS YEARS was also fake. If our reading of the messages is incorrect, please advise.
If this is true, will Mrs Glover reimburse money from previous years past that she received ? Do folks who got no insurance coverage , after paying in full, deserve refunds?
More NB: It's been at least a week since the phoney policy numbers came to light. We don't recall seeing any explanation for this very obvious no-no. We can't perceive an innocent explanation for someone at Mrs Glover's office making the effort to create fake policies.
However, is there an explanation out there we missed?
It's good to see all the support for ProAlliance and the owner, Mrs Glover. As we have said before, we all very much want to trust her, and get back to normal in the insurance world in Penasco. The last thing our property values need is another fraud report that affects a huge number of gringos, especially one orchestrated by a gringa from Texas.
We know from experience the main competitor, Sr Portugal, is no angel, but we have not heard he actually created FAKE policies or forgot to send money to the insurer. If anyone has some info to the contrary this is the time to tell us all, and help to save Mrs Glover.
Notwithstanding, we note some folks are now reporting their insurance coverage from SEVERAL PREVIOUS YEARS was also fake. If our reading of the messages is incorrect, please advise.
If this is true, will Mrs Glover reimburse money from previous years past that she received ? Do folks who got no insurance coverage , after paying in full, deserve refunds?
More NB: It's been at least a week since the phoney policy numbers came to light. We don't recall seeing any explanation for this very obvious no-no. We can't perceive an innocent explanation for someone at Mrs Glover's office making the effort to create fake policies.
However, is there an explanation out there we missed?
- "Huge number" of gringos? You're delusional.
- Must you say "we", "us" and "our"? It really makes you sound kinda dumb
- I am neither a 'gringa', nor am I from Texas.
- I certainly don't need you to "help save" me. Geez...in case you don't know it, my business continues writing new policies every single day.
- I'm willing to bet that no one can produce proof of "fake policies" going back SEVERAL YEARS.
You think you're slick...putting this out there as if you possess the power of suggestion. You seem to be under the mistaken impression that others on this site are gullible enough to follow your lead. Well...me and MY group say you'll fall flat. As I said before...I owe you nothing. If anyone reading this has further questions, they can contact me directly, just like my REAL clients.
What the eff is defalcated? That's not even a word. This has gone on long enough. Yes, from a moderator that can do away with this crap. One more word and you are gone.......
- "Huge number" of gringos? You're delusional.
- Must you say "we", "us" and "our"? It really makes you sound kinda dumb
- I am neither a 'gringa', nor am I from Texas.
- I certainly don't need you to "help save" me. Geez...in case you don't know it, my business continues writing new policies every single day.
- I'm willing to bet that no one can produce proof of "fake policies" going back SEVERAL YEARS.
You think you're slick...putting this out there as if you possess the power of suggestion. You seem to be under the mistaken impression that others on this site are gullible enough to follow your lead. Well...me and MY group say you'll fall flat. As I said before...I owe you nothing. If anyone reading this has further questions, they can contact me directly, just like my REAL clients.
Rosie. I called your cell and left a message on Tuesday AM and the office also on Tuesday AM and spoke with Paty about the 2013/2014 non payment issues You have not called me back or emailed me on this issue. When we spoke on Monday it was the 2014/2015 policy issue.
Ok here is my story. I emailed Gerardo González Eguía with a copy of my policy and asked to confirm it was ok. Received a reply that it was cancelled. Forwarded the email to Rosie, within a few minutes she replied with solutions and wanted me to call her, I chose for her to write a new policy from ACE, she did and I have it.
Ok here is my story. I emailed Gerardo González Eguía with a copy of my policy and asked to confirm it was ok. Received a reply that it was cancelled. Forwarded the email to Rosie, within a few minutes she replied with solutions and wanted me to call her, I chose for her to write a new policy from ACE, she did and I have it.
Did you happen to ask when was it cancelled and by whom? How about the previous Year? Just asking.
Did you happen to ask when was it cancelled and by whom? How about the previous Year? Just asking.
It was canceled for nonpayment so I assume within a month of when it was written November 2013. I only dealt with this year’s policy. Anyone can do the same thing Gerardo was very helpful. Did you check your policy and for previous years? What did you find out?
For those who purchased in prior years (ex. 2013-2014) and found out they had no coverage, is the agent reimbursing your previous payment?
For those who had made up policies, what was the reason given by the insurance agent?
Here is the email conversation I had with Rosie this afternoon I have her ok to post it. Start reading the post from 3:38 pm and work up to the 6:16 post.
Just to clarify I did not get a free policy for 21014/2015. I paid my policy in July and this was my money that paid for the ACE replacement policy.
When Rosie called it a free policy to me on Monday , I corrected her and she agreed that it was not free, I had paid almost $600 in July.
October 16,2014, at 6:32pm Rosie Glover
...you were going to regardless. since when does it matter whether i mind?
Sent from my iPhone with best regards
> On Oct 16,2014,at 6:16
> Ok then you won't mind if I share this decision of yours on the forum
> Sent from my iPhone
>
>> On Oct 16, 2014, at 5:00 PM, Rosie Glover <[email protected]> wrote:
>> Look, Roseanne. Right now I'm feeling browbeaten and pressured.
>> Before I can even address previous years I'll have to complete what
>> we're doing on the ones that should be in effect right now. I'm doing
>> all that I can and I have to prioritize. I'm sorry this has affected
>> you, but at this time I will not be addressing previous years.
>> Rosie Glover
> "Because service makes all the difference"
>> US Office: 602.773.1031
>> MX Office: 638.388.6624
>> US Cell: 602.512.1601
>> MX Cell: 638.386.9081
>> www.proalliance.com.mx
>> www.rockypointramblings.com
>> www.tasteofpenasco.com
>> www.tourismrockypoint.com
>> -----Original Message-----
>> From: Rosanne
>> Sent: Thursday, October 16, 2014 4:38 PM
>> To: Rosie Glover
>> Subject: Re: Homeowners insurance in RP
>> I am not brow beating I told you the amount and policy number and
>> that I was in town Saturday and would pick it up.
>> Sent from my iPad
>>
>>>> On Oct 16, 2014, at 4:34 PM, Rosie Glover
>>>> <[email protected]>
>>> wrote:
>>> Roseanne, I won't be browbeaten. I am withdrawing my offer.
>>> Rosie Glover
>>> "Because service makes all the difference"
>>> US Office: 602.773.1031
>>> MX Office: 638.388.6624
>>> US Cell: 602.512.1601
>>> MX Cell: 638.386.9081
>>>www.proalliance.com.mx
>>> www.rockypointramblings.com
>>> www.tasteofpenasco.com
>>> www.tourismrockypoint.com
>>> -----Original Message-----
>>> From: Rosanne
>> Sent: Thursday, October 16, 2014 4:32 PM
>>> To: Rosie Glover
>> Subject: Re: Homeowners insurance in RP
>>>
>>> It was $568.48. FYI stated policy number was 3101300010867. I will
>>> be in town this weekend and will pick up the check Saturday morning.
>>> Thank you
>>> Sent from my iPad
>>>>> On Oct 16, 2014, at 4:17 PM, Rosie Glover
>>>>> <[email protected]>
>>>> wrote:
>>>> I'm not in the office. When I have the amount I will issue a check.
>>>> Please let us know where you'd like me to send it.
>>>> Rosie Glover
>>> "Because service makes all the difference"
>>>> US Office: 602.773.1031
>>>> MX Office: 638.388.6624
>>>> US Cell: 602.512.1601
>>>> MX Cell: 638.386.9081
>>>> www.proalliance.com.mx
>>>> www.rockypointramblings.com
>>>> www.tasteofpenasco.com
>>>> www.tourismrockypoint.com
>>>> -----Original Message-----
>>>> From: Rosanne
>>>> Sent: Thursday, October 16, 2014 4:14 PM
>>>> To: Rosie Glover
>>>> Subject: Re: Homeowners insurance in RP
>>>> I don't except that rationale I placed my trust in your
>>>> organization and now you are throwing the responsibility toward
>>>> someone else
>>>> Sent from my iPhone
>>>>
>>>>>> On Oct 16, 2014, at 3:38 PM, Rosie Glover
>>>>>> <[email protected]>
>>>>> wrote:
>>>>> Roseanne,
>>>>> Unfortunately I cannot address previous years. At that time we
>>>>> were working with Ing. Luis Zapien in Chihuahua and he has since
>>>>> passed away, so there isn't even a way to get an accurate account
>>>>> of what occurred with money deposited. Our deposits when we worked
>>>>> with Luis were made directly to him via bank transfer from one
>>>>> Wells Fargo account to another. All I have is proof of those bank
>>>>> transfers. The reality is that until Mapfre updates their
>>>>> operation system, this will continue to occur. This is precisely
>>>>> why I feel much more comfortable moving forward with ACE. Their
>>>>> system is set up in such a way that this
>>>> would be impossible.
>>>>> I'm sorry it isn't better news.
>>>>> Rosie Glover
>>>>> "Because service makes all the difference"
>>>>> US Office: 602.773.1031
>>>>> MX Office: 638.388.6624
>>>>> US Cell: 602.512.1601
>>>>> MX Cell: 638.386.9081
>>>>> www.proalliance.com.mx
>>>>> www.rockypointramblings.com
>>>>> www.tasteofpenasco.com
>>>>> www.tourismrockypoint.com
Dry Heat, I stand by my decision. I'm up to my eyeballs in an audit and trying to make things right for our clients. In previous years the entire process was handled differently. I need to explore that to see what happened. I was about to issue a check just to get the problem out of my hair, but thought better of it when I realized I was being pressured. For the time being I will be focused on those policies affected in the current year. You and Fat Boy have this Danie person accusing me of FALSE policies in previous years. This is nuts. I'd rather fight than pay what I don't owe. I will be paying legitimate policies for as many as I owe for the current year. The end for now. I am really bothered by those of you who issue veiled threats of "what the others on the forum will think" of me. Haven't you figured out that I've ALWAYS spoken my mind and made my own decisions? I have my own compass, and probably the most predictable thing about me is that when pushed, I don't budge.
You know very well that bogus policies were issued. You know very well that policies cancelled for 2013-2014 terms. You collected premium and now you are only paying current terms? You have blamed everyone from the carrier to clients to forum members to a rep who died to a resort that found out and called you out on it. Your reply on the previous email thread if accurate is sad and no were near being pressured. You are full of excuses for an issue that is looking really bad (even for you staunch supporters). Your business practice is not looking good to members who have trusted you to do the right thing.
ZZZZZZZZZZZZ! ZZZZZZZZZZZZ! Oh, I woke up, and then ZZZZZZZZZZZZZZZZZZZZZZZ!
When is the rumble behind Guau Guau's scheduled, that would be more interesting this.
DH, your not even a PA customer, I bet that is what irk's most people following this cluster.
Let nature take it's course, and those who have issues will be made right or not.
Civic duty. When you see something wrong, I hope most of you would stand up and not just stand on the sidelines and side with someone simply because you know them.
It's nice to see we have not been ostracized from this blog for asking questions about what actually has occurred recently, and now apparently going back some years.
Let's all just back off from emotions and personal affiliations, and consider how we would deal with this situation in Colorado, or TX, or AZ, or NM.
The facts that have not been disputed:
1. in many cases homeowners paid their money to Mrs Glover to buy insurance, mostly for fire, hurricane or other devasting loss that would reduce our Mexican assets to garbage value
2. in many cases the money we paid Mrs Glover never left her account. She did not send any bmoney to the Insurer on our policy. She kept our money for her own personal use. The insurance policies she told us, to our faces, that we we had, were cancelled by the Insurer because Mrs Glover kept our money for her own use. She never told us she had received a notice fron the insurer our policy was cancelled for non payment. We were never told we never had ONE CENT of insurance.
3. in many other cases, we paid Mrs Glover whatever she asked for our coverage. But, her office created fake policies to make it harder for trusting folks to find out the money we paid her went into her personal account and never went to any Insurer. She never told anyone, going back more than 24 months, that some rogue in her office was working overtime to create fake policies. Since then she refuses to tell us who is the criminal in her office. On all these files, the actual insurance company did not cancel our policies, because they never existed from the start !
Mrs Glover: please tell us where we have any of this wrong. We REALLY hope to apologize for any suggestions on this blog you might have been involved in any of these activities.
Civic duty. When you see something wrong, I hope most of you would stand up and not just stand on the sidelines and side with someone simply because you know them.
Ha I will remember this if you start backing that Homeport again!
Let's all just back off from emotions and personal affiliations, and consider how we would deal with this situation in Colorado, or TX, or AZ, or NM.
-This is non of the above
The facts that have not been disputed:
1. in many cases homeowners paid their money to Mrs Glover to buy insurance, mostly for fire, hurricane or other devasting loss that would reduce our Mexican assets to garbage value
- Absolutely disputed. While I agree that 1 is too many, your use of the word makes it obvious you're trying to inflate the impact.
AND JUST TO SHOW HOW OUT OF LINE YOUR THINKING IS:
- Mapfre doesn't cover hurricane damage for beachfront property
- All but 2 of the 21 policies were for condos, and everyone in a Sandy Beach condo had better hope your Master Policy with Royal Sun & Alliance has been paid by your HOA. Oh, never mind...of course it's been paid, right? Las Palomas wouldn't deceive you, would they?
- Even if your Master Policy is in place, there is a huge deductible (1% the total insured sum, which in a multi-million dollar building can be lots and lots of money) and most HOAs don't have the funds to cover the deductible.
- Extreme damage to the common areas are more likely to convert your Mexican assets to "garbage value". Broken plumbing or kitchen fire damage are nothing anyone would want, but they're reparable. I think the biggest issue I have with you is your penchant for GROSS EXAGGERATION.
- By the way, property values are also negatively affected by employees who rob renters at the resorts.
2. in many cases the money we paid Mrs Glover never left her account. She did not send any bmoney to the Insurer on our policy. She kept our money for her own personal use. The insurance policies she told us, to our faces, that we we had, were cancelled by the Insurer because Mrs Glover kept our money for her own use. She never told us she had received a notice fron the insurer our policy was cancelled for non payment. We were never told we never had ONE CENT of insurance.
- First of all, YOU never paid me ONE CENT. We've established that you have never been a client of mine.
3. in many other cases, we paid Mrs Glover whatever she asked for our coverage. But, her office created fake policies to make it harder for trusting folks to find out the money we paid her went into her personal account and never went to any Insurer. She never told anyone, going back more than 24 months, that some rogue in her office was working overtime to create fake policies. Since then she refuses to tell us who is the criminal in her office. On all these files, the actual insurance company did not cancel our policies, because they never existed from the start !
- Okay, for argument's sake, let's just say I'm sheltering a Mexican criminal from your lynch mob...what would you do with him/her if given the opportunity? What is truly behind your taste for blood?
Mrs Glover: please tell us where we have any of this wrong. We REALLY hope to apologize for any suggestions on this blog you might have been involved in any of these activities.
-Okay, I'll tell you...you're wrong. Very, very wrong, but people like you don't usually let go once you think you're onto something, so I'll let you play this out. I will point out, though, that in item #2 you accuse me of keeping money for my own use and in this last paragraph you apologize for suggesting I was involved in "any of these activities". Maybe you could go back to your group and tell them I've requested they send in someone smarter, or at least wittier than you. You're boring.
You made a few statements that are disturbing. Insurance is about covering the unknown risk. You mentioned all the occasions when a regular policy or an HOA policy would not cover, you even talk about the corruption of others. None of this matters when it comes to the risk you were supposed to have covered. Would a company with a $5 million dollar liability coverage not need it because it hardly ever happens? Would a condo that has a $100,0000 liability policy not need it because it hardly every happens? Insurance is about covering the potential risk of something happening. Your focus seems to be on excuses on what is not covered rather than the risk they assumed they had covered.
Now you have 1 client on here (out of who knows how many... the numbers seem to go up), asking for a refund on a policy that was not provided last year. Yet, you seem to come up with excuses with how you will not pay it because the client is browbeating you???? What kind of a business uses that excuses when they know they are in the wrong (collected money for no services provided). Are you worried that many will start to call on previous years? I am actually shocked that you are taking this approach. These checks were made out to YOU and you deposited them into YOUR bank account.
Let's not forget the bogus policies also fabricated by your office. How is that an omission or error?
I want to clarify one thing. In my email conversation above with Rosie I did not ask for a refund she offered it and resconces it in less than three minutes. I wanted recognization and acknowledgement of the problem in her office extending further than current policies
Dry heat you did a service to all of us by bringing this up and providing us with the contact information, thank you.
But you do a disservice to yourself and to us who do have or had policies with ProAlliance by demanding answers and asking the same questions over and over. Let us who actually have money invested ask the questions and get the answers that we need. First I am suspect of what took place but with my past history with ProAlliance and Rosy Glover I believe she deserves the opportunity and some breathing room to find out exactly what took place. She then can explain to us, her customers what took place. Second I know of no one that lost anything, we were “at risk” but that is subjective. For example if I had a claim for damages in my unit and I/we discovered the policy was cancelled would ProAlliance have coved those expenses, I believe they would. So with me I paid my premium last November and had no claims, this week I received a new policy for 1 year so I actually saved about $230.00. All of this doesn’t lessen the fact that I/we paid money to reduce our risk and then discovered we didn’t have it.
Just to keep the facts straight I had a legitimate policy, it was not bogus or made up numbers. It was issued and then cancelled by Mapfre because they “say” they did not receive payment.
There must be a Mole in Rosie's office for all that privileged inside information to get to the dual perp's known
as DH and DanieTTT. (Maybe Alejandro P. (who I like and respect) is behind this)??;)
Rosie, time to call in a CSI team to root out the Mole, this would be a riveting plot for one of the many shows
that are aired.:rolleyes:
Resort owners talk, forum members talk.Many have called in to the carrier and found out the status of their policy. Not much insider info. Its all out there. I understand some wish this was hidden or kept quiet. However, many have no way of knowing the status of their insurance unless they read these forums or read social media.
Resort owners talk, forum members talk.Many have called in to the carrier and found out the status of their policy. Not much insider info. Its all out there. I understand some wish this was hidden or kept quiet. However, many have no way of knowing the status of their insurance unless they read these forums or read social media.
I agree with you 100% and thank you again for bringing it to our attention.
But trying to defend yourself on a public internet forum is difficult to do especially when any accusation can be made. I have seen you experience this yourself on this forum many times. She admitted there was a problem, accepted responsibility and has asked us to give her some time before she has the facts of exactly what happened, what is wrong with that? Most of us who have done business with her in the past are willing to do that. I’m not giving her a pass or putting my head in the sand I’m just giving her some time to get the facts.
I would like to hear from people that have policies and are dealing with ProAlliance.
I agree with you 100% and thank you again for bringing it to our attention.
But trying to defend yourself on a public internet forum is difficult to do especially when any accusation can be made. I have seen you experience this yourself on this forum many times. She admitted there was a problem, accepted responsibility and has asked us to give her some time before she has the facts of exactly what happened, what is wrong with that? Most of us who have done business with her in the past are willing to do that. I’m not giving her a pass or putting my head in the sand I’m just giving her some time to get the facts.
I would like to hear from people that have policies and are dealing with ProAlliance.
I agree completely.
I have bought insurance from Rosie for a few years now. Have always gotten great service. Having her cell phone helped us in a precarious situation when our tire blew and we needed help. I don't speak a lick of spanish and she called someone out to help us. She doesn't know me from Adam, but she helped me anyways. And, I didn't even tell her at the time that I was a customer.
AZ-Dan said it correctly. Give some time for a business owner who has had a pretty impeccable reputation, to do the "audit" and get some answers. Was there a clerical error, was an employee embezzling funds ? (wouldn't be the first time. ask some of our restaurant friends about their chef's stealing money and having to be caught on hidden cameras to prove their guilt). Who knows??
But, what doesn't make sense is a women who has built her life and reputation on good business practices, throwing it all away. Could it have happened?? Sure. Did it happen, probably not and there are probabley other answers. Let the vetting process work it's course.
For Dry Heat: Dude, get a life. Nice of you to have jumped into the fray, but if you are really a lawyer, it doesn't seem you have much business if you can spend half your work week on this forum playing Perry Mason or Matlock.
For Rosie: I don't believe you are doing yourself any good, answering questions from ANYONE other than your customers. I get you are frustrated, but some of your comments start to show your disdain for this process, and I don't think it looks good.
I'm not an attorney, but that advice and opinion is as good as any you would pay for !
Did I mention though that I did stay at a Holiday Inn Express last night ?? ;)
I want to clarify one thing. In my email conversation above with Rosie I did not ask for a refund she offered it and resconces it in less than three minutes. I wanted recognization and acknowledgement of the problem in her office extending further than current policies
For Dry Heat: Dude, get a life. Nice of you to have jumped into the fray, but if you are really a lawyer, it doesn't seem you have much business if you can spend half your work week on this forum playing Perry Mason or Matlock.
I see your level of concern for those who had no insurance on their properties even though they paid for it.
She then can explain to us, her customers what took place.
Even though I am not a client of Rosie's, I would like to hear an explantation as to what exactly took place when everything gets figured out. I am a condo owner and am concerned that surrounding units may have one of these cancelled Mapfre policies. As even Rosie has said, most condo damage is from water damage due to broken plumbing, overflowing jacuzzi's/bathtubs, etc. I have had water damage to my unit caused by an overflowing jacuzzi in the unit above me.
So my point is that anybody who owns a condo here, whether they have their insurance with Rosie or somebody else, should be concerned about this issue.
It seems to me that the HOA boards at every resort should be alerting their owners to this issue. Also, Seaside and any other rental agency should be concerned as well since owners who rent out their units are required yearly to show proof of insurance before they can rent their unit out.
Good point anyone with a Mapfre policy should check. I've been in the rental pool for 5 years and no one has ever asked for my policy, I have it for my own peace of mind.
Good point anyone with a Mapfre policy should check. I've been in the rental pool for 5 years and no one has ever asked for my policy, I have it for my own peace of mind.
That's interesting. When we were with Seaside, we had to provide proof yearly that we had our insurance up to date.
Not only those with Mapfre should check, everyone should. Apricot, you make a very good point about wanting to know that your neighbors carry insurance. The truth is that most condo owners are not insured. Even if all is well with your condo policy, there could be major problems with the HOA master policy.
You're right, Larry. I'll scale back. I truly don't have disdain for the process, so much as for those who think they're doing their 'civic duty' by asking questions which I cannot yet answer. Az Dan is right...no matter what the situation, time will tell. These people who don't know me claim to know what I did, what I think and what I spent the money on. I apologize to the rest of you for this crap, just as I do to my clients. I'll try to follow your advice, but it's hard to resist my natural tendency to...well...you know...especially right now that I need an emotional outlet.
Not only those with Mapfre should check, everyone should. Apricot, you make a very good point about wanting to know that your neighbors carry insurance. The truth is that most condo owners are not insured. Even if all is well with your condo policy, there could be major problems with the HOA master policy.
Condo insurance is fairly inexpensive. Maybe the HOA's should be checking to make sure everybody has insurance since water damage from broken plumbing and overflowing jacuzzi's can cause major damage to surrounding units. I know in the US some HOA's do verify that their owners have insurance. You brought that up the point about the master policy earlier and it really made me think twice. I think it would be best for all of us condo owners to check with our HOA and look into the master policy....that's a pretty scary thought that there could be major problems with an HOA master policy.
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.
My partner and me agree with you all who say we should give Proalliance some more time to explain all this plus the policies with fiction numbers and pay everybody back for the money they lost.
We want to give them our insurance business if they done nothing wrong, but we sure don't want to give business to anyone if we might get cheated. We had this happen to us in New Mexico when the accountant never paid our money for our taxes. Next thing we knew he was in jail for 7 years and our money was gone so we had to pay twice plus penalty. No more of that, thanks !
T and me need to renew our Las Conchas house insurance soon. What do you all think would be the right fair amount of time to give them to explain and pay back all the money they got by mistake?
That is a good question. I suppose it depends if Rosie is doing an in house audit with her own staff and herself or if she is hiring an outside individual to do the audit.
My apologies and I mean no ill will but but I just can't stand it. Little Joni: you cannot "seen" something. You may HAVE seen it because seen is past tense. "We just saw this on Craigslist" would be correct. Verbally I hear people say "I seen the car go by" and I cringe, " I saw the car go by" or "I have seen the car" works.
My constructive criticism on grammar will now cease for the rest of the year.
My apologies and I mean no ill will but but I just can't stand it. Little Joni: you cannot "seen" something. You may HAVE seen it because seen is past tense. "We just saw this on Craigslist" would be correct. Verbally I hear people say "I seen the car go by" and I cringe, " I saw the car go by" or "I have seen the car" works.
My constructive criticism on grammar will now cease for the rest of the year.
He done seen it because he or his kin done posted it.....