Best home owners policy??

Do not use Imbursa!!! It is owned by Carlos Slim, the world's richest man and he got richer off of arbitrarily disallowing many items in my claim. (Mulege disaster flood due to Hurricane John). Every other person that had claims with them also got burned. The Imbursa agent in Santa Rosalia said she had quit out of disgust. She claimed she could get no response from the company either. It seems she is still selling insurance for them, but does not want to handle homeowners insurance any more.

The home office had never acknowledged receipt of my claim which I submitted through the agent. Their phone numbers always answered with a recording and they never returned the calls. They never answered emails either.

I finally had to hire a go-between-person who apparently had a contact within the company and she established communication. She arranged, and I signed a whole packet of forms, to request they direct deposit a check into my Bank Of America account in the U.S., which they said they could do (after doing the conversion from pesos to $ and taking a fee).


Almost a year later the agent in Santa Rosalia emailed me and said a check was in her office and she wanted to know what to do with it. After all the paperwork, they did not follow instructions. After conferring with her and my hired go-between, they decided that I would have to go to a border town and open up a bank account. I talked to B of A. They said they would deposit the peso check, do the conversion and take a fee. My go-between FEDEXed it to me and I deposited it with B of A. It cleared! And it cost me about $300. to do the conversion. I also paid the woman I hired a fee.

By the way, her contact was an adjuster. They are independent contractors and aren't employees of Imbursa. It seems they get commission on every item they disallow. The adjuster is the one who makes the decisions. While staying in the same motel in Mulege as the owner and developer of my property right after the flood, they (illegally) allegedly conferred and conspired against us. The developer went through each item and said, "This is BS, this is BS, etc. The adjuster unwittingly let it slip in conversation with another claimant and co-owner in my development.

Many people in Mulege have never gotten a settlement. It seems like the Imbursa tactic is to make it difficult, or even impossible to communicate with them. It seems like they are counting on gringos giving up and going away.

This is some of the horror and grief we have been going through after having our houses ruined by the flood. The surge carried debris from upstream structures, trailers, RVs, boats, cows, horses, dogs, fish, palm trees and sewage. I had seven feet of standing, muddy fecal water inside my house. Outside it was up over the eves.

The good news is that I have totally restored it with my own money and it is beautiful once again. We are crossing our fingers that it doesn't happen again anytime soon. Conditions would have to set up identically for it to happen again with that degree of magnitude; hurricane path would have to track identically and stall out over the mountains behind Mulege, dropping over 20 inches of rain in 24 hours.

Day after surge.

Read.....learn!

Here's something to consider: What side of the unnecessarily politicized, global warming argument do you subscribe to?

Climate change is definitely happening. If it is only cyclic, fine. Call it what you will, we are in the midst of it; hotter water, more frequent hurricanes and greater intensity.

I don't love insurance companies, but last year I bit the bullet and bought a policy. It has been a pain in the a$$, but it was better than nothing. If you buy a policy you will sleep better. In case you need to file a claim, it will allay your grief. You will still be angry, but in my not-so humble opinion, that is a better emotion to have to endure.>>>> vs