Here are our facts - no guesses, no accusations, just the facts:
1. Two separate condo/homeowner policies with Mapfre through ProAlliance 7 months apart. Neither was paid, and both policies were cancelled without any notification to us from the insurance carrier or from Rosy.
2. Contacted Rosy when this info first came to light (about a month ago now) and she indicated that our policies were paid, and we were fine.
3. Contacted Mapfre directly after hearing from another homeowner that their policy was invalid (about 2 weeks after speaking with Rosy) - and was told that our policies had been issued, but never paid, and therefore cancelled.
4. Contacted Rosy to ask about this, and she said she was doing an audit, but hadn't gotten to our policies yet (the reason we hadn't been notified) and she offered us new policies or a refund - we took the refund. At that point she lost our confidence.
5. I have been trying to confirm that our Auto Insurance is valid - Rosy says it is, but since she also initially said our homeowners policies were fine, I would like confirmation from the carrier. They have been unable / unwilling to confirm. No response to emails, no response to phone calls, and finally someone in the claims department told me that they couldn't provide that information. Doesn't mean they aren't valid, just means I have no way of finding out unless I make a claim.
6. Received refund for homeowners policy from Rosy about a week ago.
The only reason I posted this in this thread was just to inform others that they should check their policies. I believe that's the benefit of these types of forums, to share information that may be important / helpful to others.
Rosy - if you would like to discuss any of our specific policy info with me, I prefer you do it via PM or email, not on a public forum. Thank you.