Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 4, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Plano, TX
Asked on 10/04/2012
Agent misconduct The agency recieved our renewal check for our property in a timely manner on xx/xx/xx date. Several months passed and when we were in process of applying for new mortgage, it was disciovered that our house was not insured. When we questioned the agency, specifically Matt Robinson, we were told and emailed to the effect that our renewal check was deposited, but that 'their fax machine had a problem and the information did not get to the insurance company'. Mr. Robinson's solution was that we sign a release stating that 'there would be no claims during the uninsured time period,' and that they w
Answer given on October 30, 2012
If you made a payment on your homeowner insurance policy and have proof that the check was deposited by your agent, then the agent should be able to show the insurance company that you did pay the premium as required. The fact that the agent had a problem sending the proof of payment to the insurance company should not be an issue for you.However, you should have received a notification from the insurance company that the premium was not paid and that you had a certain amount of time to make the payment. That should have warned you that something had occurred and you should have called the agent at that time. In addition, the agent would have received a similar notice and they should have contacted you about the lack of payment. Unfortunately, the lack of communication between you and the agent has created a bigger problem, but it is ultimately the agent’s responsibility to resolve this with the company. You should send the agent a copy of the cancelled check to facilitate the reinstatement.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.