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This insurance agent doesn't know their ass from a hole in the ground.
My mortgage customer escrows for his homeowner's insurance. It was due at the end of August. Early September, we noticed we hadn't received a bill. So I emailed the insurance agent. No problem, they said. Here's the bill. They'll come pick up the check.
A week later, they finally pick up the check, after I've emailed them two reminders. I might as well have mailed it.
Two weeks later, I haven't gotten proof of insurance for the new year. So I email the agent again. They ask if I can see whether the check cleared. It hasn't. They entered the check online to process electronically, and got a message back that it had insufficient funds. Funny, that. It never hit our account for money orders, so how could it have been returned insufficient funds? Also, it's a money order, not a check, so I don't know if you can even process it that way? Oops, they say.
In the meantime, the customer's insurance has lapsed. Agent says they'll reinstate right away. Another week passes and I haven't heard anything, so I email the agent again. They send me a binder dated that day and tell me to mail the insurance company a check. So much for reinstating the insurance right away. Oh, and the bank's name is listed wrong. Can they correct it? No answer.
All of this is on them, so I argue that there shouldn't be a lapse in insurance coverage. They say they can't backdate it. And, by the way, the calculation of the premium has gone up. Not because there was a lapse, supposedly. Just because it went up.
ARGH! I keep reminding myself that the most important thing is to make sure the customer has insurance NOW, so I'm going to mail a check just to make sure he has insurance on his house. But I hate this insurance agent now, and I don't care who knows.
My mortgage customer escrows for his homeowner's insurance. It was due at the end of August. Early September, we noticed we hadn't received a bill. So I emailed the insurance agent. No problem, they said. Here's the bill. They'll come pick up the check.
A week later, they finally pick up the check, after I've emailed them two reminders. I might as well have mailed it.
Two weeks later, I haven't gotten proof of insurance for the new year. So I email the agent again. They ask if I can see whether the check cleared. It hasn't. They entered the check online to process electronically, and got a message back that it had insufficient funds. Funny, that. It never hit our account for money orders, so how could it have been returned insufficient funds? Also, it's a money order, not a check, so I don't know if you can even process it that way? Oops, they say.
In the meantime, the customer's insurance has lapsed. Agent says they'll reinstate right away. Another week passes and I haven't heard anything, so I email the agent again. They send me a binder dated that day and tell me to mail the insurance company a check. So much for reinstating the insurance right away. Oh, and the bank's name is listed wrong. Can they correct it? No answer.
All of this is on them, so I argue that there shouldn't be a lapse in insurance coverage. They say they can't backdate it. And, by the way, the calculation of the premium has gone up. Not because there was a lapse, supposedly. Just because it went up.
ARGH! I keep reminding myself that the most important thing is to make sure the customer has insurance NOW, so I'm going to mail a check just to make sure he has insurance on his house. But I hate this insurance agent now, and I don't care who knows.
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