Public Mediation

L.P. vs. Flood Pro....1888-391-2910 Policy # 87052884122016

Dibrute Investments LLC vs. Flood Pro - 888-391-2910
NFS P.O Box 2057 Kalispell, Montana 59903-2057, Po Box 399, Lakehills, Texas, 78063-0399, United States
Amount Involved: $1,068.00
    • Status: In Negotiation
      This claim has posted for public comment and negotiation. It will remain posted until resolved to the claimant's satisfaction. Suggest a resolution to help these parties reach a settlement.
       (seeking public comment)
    • Claimant Seeks: View.
    • Claim #: 1500780
    • Amount Involved: 1,068.00
    • Filed On: Nov 09, 2016
    • Posted On: Nov 20, 2016
    • Complaint(s):
      • Failure to disclose facts
      • Other
View less
Rate or Review on Flood Pro - 8...
Become an online mediator
  • Review this case.
  • Propose your solution.
  • Win the reward (1,000)
Statement of Claim
Complaints Involved (2) - View
Claimant says:
"My name is Linda & I am a business assistant for Dibrute Investments LLC. Our complaint starts when Fernando received his statement of renewal for a flood insurance policy. The policy had gone up by $300 per year & Fernando was questioning this. As his business assistant, I started in investigating this by doing some research on what flood map zone Fernando's property was actually in.

I found out that when Fernando bought the property in 2013, he was in a flood hazard area that was very low & could choose to have the insurance or not. At that point, I turned to the mortgage company who was requiring the flood policy to close his loan. They sent me a copy of what they had received from Fema as the flood determination zone. This document showed that the property was in a high hazard zone & flood insurance was required.

That was not the same zone as what I had found out. In fact, I found out that the maps had been changed in 2007, 6 years prior to Fernando buying the property, so wondered why the mortgage company had received that erroneous flood zone determination. My next step was to go back to the people who issued the policy to see what zone they had actually issued the policy in. Lo & behold, they had issued the policy in the correct zone.

So when this policy was issued, the mortgage company, the agent of record & the policyholder would have all received a copy. Now, I am wondering who's responsibility was it to go over that policy with Fernando & that was, of course, his agent. That did not happen, the policy was issued, put in is file & life went on. Myself, being an insurance agent for 30 years, would have called Fernando & said "Let's review this policy so you know what you have".

I then go back to the agent of record & ask him if this was done. Well things have changed because the agent who wrote this policy is no longer with them & has moved on. The current agent has been there about 1 year. Okay, so where does that leave us...going back to Flood Pro to have the money refunded for the three years he paid premium when he did not have to.

We have already had two conversations with Flood Pro, conference calls between Fernando, myself & representatives of Flood Pro. They put it back on the agent. Now in Fernando's defense, as an ordinary layperson, he would not have known the difference between a zone AE & a zone X, so he would not have ever known that he did not have to have the insurance.

We believe that Flood Pro should give Fernando the premium back that he paid for the three years he actually did not have to have it. It would not be such a big deal but it adds up to about $1000. Now just to set the record straight, the mortgage company also did not monitor this."
...
Reply Have a similar problem?
What Claimant Wants Hide
1. Refund: Monetary return of premium Jan 02, 2017 $1,068.00
2. Other – Copy claim to regulators Jan 02, 2017 $14.99
3. Other – Pay for claim posting cost Jan 02, 2017 $7.99
4. Other – Physical delivery charges Jan 02, 2017 $4.99
Cash total : $1,095.97
  • 0
Do you agree with the claimant’s demands?  (If you are a party to this claim, click here.)

Respondent's Counteroffer

There has been no response to this claim from Flood Pro - 888-391-2910. This claim will remain posted until resolved
See how PeopleClaim Works
Get fast access to our Resolver community, for...
  • help with a PeopleClaim or any other complaint
  • assistance with a purchase or contract
  • expert advice
Other PeopleClaim resolvers
Want to see more? Search our directory of resolvers.
Get Free alerts when claims post in your area.
Get Alert
Cases seeking help
Pick a case. Help resolve it.
Need help resolving a dispute? Learn more.
Help resolve claims against businesses and people near you:
View more claims

Public Mediation

The shortest path from your problem to its resolution.
1
Peer to Peer

Engage the other party and use powerful tools to negotiate the best resolution.

Free
If Unresolved
2
Community Resolution

Post your case online and get help from legal professionals, industry experts, consumers & advocates competing to find the best resolution to your claim.

$14.99 + optional reward for best resolution
Full refund if not resolved to your satisfaction
If Unresolved
3
Private Mediation

Lets you mediate your case privately with the help of our professional mediators and industry experts.

Free to claimant. Mediator fees negotiable.
If Unresolved
4
Engage a Professional

Find the best community-reviewed professionals near you to resolve your issue in private online mediation or traditional court/mediation.

Resolution

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart.

I am (not) alone, and I feel the charm of existence in this spot, which was created for the bliss of souls like mine...~ Goethe

Get a public verdict — create an online trial $50 public trial / $50 reward for successful resolution
Important: All information contained herein is the opinion of the posting parties, who are solely responsible for its content. PeopleClaim offers both free and paid services to help consumers, patients, employee, tenants, and others resolve disputes without lawyers or courts, through negotiated online settlement and public disclosure of wrongdoing or unfair treatment.
Claims against parties operating under bankruptcy protection, by law must be processed solely through the appropriate US bankruptcy court. Any claims against this party currently posted on PeopleClaim are available for purposes of public business review only and are not an attempt to collect money or recover assets subject to protections under the United States Bankruptcy Code.
*IMPORTANT: PeopleClaim is a public dispute resolution system, independent of the BBB, small claims court, or other dispute resolution services. PeopleClaim is not a law firm and does not provide legal services, opinions, or advice. PeopleClaim facilitates peer-to-peer negotiation and resolution and crowdsourced input on issues of fairness to help resolve complaints. Users should contact professional legal counsel on any matters of law or regulation regarding their claims. PeopleClaim does not review or evaluate the merits of claims submitted through its site, and users are solely responsible for all content filed in their claims.
© reserved by PeopleClaim