Complaints

This profile includes complaints for Slide Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Slide Insurance Company

  4221 W Boy Scout Blvd Ste 200 Tampa, FL 33607-5745

  
• 

  Slide Insurance Company

  PO Box 1779 Columbia, SC 29202

• 

  Slide Insurance Company

  1501 Lady St Columbia, SC 29201-3401

• 

  Slide Insurance Company

  PO Box 1779 Columbia, SC 29202-1779

• 

  Slide Insurance Company

  1501 Lady St Columbia, SC 29201

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/11/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In January I received notice my UPC policy was being canceled. I called my agent and secured a new policy effective February 1 and canceled my UPC policy. March 17 I received mail informing me I now had a slide policy. March 20th I called and was told they requested additional information to cancel the policy. My agent sent the requested information the same day. April 20, I recived a copy of a new policy from slide effective 5/8. I called slide and they said they did not recieve it. My agent sent documentation again. They called slide to confirm receipt.4/28 my mortgage company sent me information that slide has been updated as my insurance and I needed to request a refund from my correct policy. May 1 my agent called slide again and they said they only reviewed 1 page when 3 were sent. He resent the documentation again. I received notice of cancelation from slide yesterday, however, it is canceled effective 5/8 not February as requested multiple times. I also have not received any refund as of 5/11.
  

  

  Business Response

  Date: 05/18/2023

  We at Slide completely understand the frustration expressed by the insured and are grateful for the opportunity to finally resolve this matter.

  Our records show that UPC did receive
  a Cancellation Request form, signed by the insureds on January 20, 2023, and submitted
  to UPC by their Agent on January 31, 2023. 
  However, the form requested cancellation of the policy effective
  February 4, 2022, over one year prior to the date the form was signed.  To backdate the cancellation that far, documentation
  was requested to show the insureds had secured coverage with another carrier effective
  February 4, 2022.  That documentation was
  never received.

  On April 19, 2023, the Agent
  submitted this same Cancellation Request form to Slide.  As before, we requested evidence of
  replacement coverage effective February 4, 2022, and no such evidence was
  produced.
  

  On May 1, 2023, the Agent sent a
  new Cancellation Request form, signed by the insured on April 20, 2023, and requesting
  cancellation effective February 5, 2023; along with proof of coverage with
  another carrier effective February 4, 2023. 
  In accordance with the documentation received, the policy was cancelled effective
  February 4, 2023.
  

  We hope to be of service
  again in the future.

  
  

• Initial Complaint

  Date:05/09/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Slide took over my property insurance and was covering my UPC insurance through Geico through June 2023. I contacted them by phone on 4/21/23 to find out how to cancel. They said I had to email them only at ************ send a copy of my new insurance declaration page, which I did, and I received a response that they will let me know if they need anything else. On May 3, I still had not seen a cancellation sent to my mortgage lender so I emailed them again, and again a response that they got it and would send it to underwriting and would let me know. I called my mortgage company who said I am paying for two insurances, as Slide still has not cancelled me per my request. I cannot get anyone to answer or help. I just want someone to acknowledge my request, cancel my policy per the request of 4/22/2023, refund me the difference, let my mortgage company know. Please help me.

  

  Business Response

  Date: 05/18/2023

  We at Slide are grateful to address the consumers concerns.  We have cancelled the Slide policy as requested and a refund check will be mailed to the consumer by Friday, May 19, 2023.  Slide did acquire this policy from UPC and issued a new policy to ensure there would be no lapse in protection after UPC went into receivership.  We are sorry about any inconvenience the consumer has experienced and look forward to being of service in the future. 

  Customer Answer

  Date: 05/18/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:05/03/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My home owners insurance was transferred to Slide after my other company left *******. My agent got me other insurance at a way better rate. Slide was sent a cancelation notice and even provided a cancelation number. They even sent me $97 dollar rebate due to cancelation before the end of the policy. Then Slide pressed through with a new policy charging me/mortgage $6771, without any thing from me saying to proceed and having already canceled the previous policy. This is fraud as they had no signature from myself to approve them to do so. When I spoke with the company that employee I spoke to told me that I would need to send a written letter to cancel the current policy even if they did have prior notice. She offered no other solution, this was all on them not me. I believe they are taking advantage of people that never even wanted them to be their provider.

  

  Business Response

  Date: 05/04/2023

  We at Slide are grateful for the opportunity to address this matter.  Our acquisition of the policy from the consumers previous carrier was intended to ensure that coverage would be continued without any interruption.  As for asking that the cancellation request be in writing, this was simply because the policy contract states that a policyholder may cancel a policy at any time by letting us know in writing of the date cancellation is to take effect.  Regrettably, this caused unintended frustration on the part of the consumer, and we have processed the cancellation as requested.  We wish to point out, however, that no premium payment was received for this policy, so there is no refund amount.  We apologize for any inconvenience we have caused and hope we can be of service to the consumer in the future.

  Customer Answer

  Date: 05/16/2023

   
  Complaint: 20009924
  
  I am rejecting this response because: a payment was made in full from my escrow account
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 05/19/2023

  Our records indicate that we did receive payment from the mortgagee after our previous response.  Accordingly, a refund check is being issued to the Insured.  Once again, we apologize for any inconvenience we have caused the consumer.

• Initial Complaint

  Date:04/28/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Slide Insurance took it upon themselves to send a second request for payment to my home loan lender without permission, request or any other form of communication after I canceled the policy in writing at my agent . They requested $9,400 be paid by my escrow account without a single letter or communication with me. I did not request nor want Slide Insurance. My current insurance is $3,700 per year and this company sent a request for $9,400?? It makes no sense. Yet they were able to create a policy without my knowledge? This is a fraud. The company knows the escrow will pay the bill before the homeowner has any idea and now I'm stuck trying to get a refund. I'm sure this SCAM has happened to hundreds of other people as well. Cancel the policy and send me a refund ASAP.

  

  Business Response

  Date: 05/04/2023

  We at Slide are grateful for the opportunity to address the consumers concerns regarding the recent acquisition of his policy from UPC.  Our commitment to ensuring continuation of insurance protection without interruption was the basis for issuing a Slide policy on or about March 15, 2023. Since the mortgagee was responsible for paying the premium, an invoice was sent to the mortgagee at that same time, with a copy of that invoice included in the policy documents sent to the policyholder.
  
  On March 30, 2023, we received the policyholders request to cancel the policy flat, and that cancellation was processed.  At that time, no premium payment had been received by Slide, so no refund resulted.  On April 24, 2023, a payment was received from the mortgagee, and we have issued a refund for this amount.
  
  We will be pleased to answer any additional questions the consumer may have and may be reached at ************.
  

• Initial Complaint

  Date:04/27/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Since Hurricane ***, we have been through 2 field adjusters, (5th) Desk Claims Adjuster with Slide Insurance. Found out by calling nonstop for weeks each time because there is no communication. No resolution to get our home back to where we were. We have got our own ************ reports after the first field adjuster said everything was fine. There was 100% water in our attic in several rooms. We then had to hire mitigation to **** the water out of every room. My daughter and I have been to *********** 4 times for upper respiratory and sinus infections I have videos of water coming through the vents/lighting in the ceilings of our kitchen. My husband is a veteran and we have a VA loan. Communication is the key and we have none only excuses. It is almost like they're doing this on purpose to put us aside. We have since had a new roof put on & received a check for $20,000. I received 4 roof quotes, then had to wait for months to begin. We just received a renewal bill for insurance for over $3,000 with the roof upgrades. Slide has all the paperwork, pictures, etc., but still has not released the money for completion. Now Slide is telling Aspen they are still waiting on paperwork when I have documentation stating they had everything months ago.I provided Slide as directed by the first two adjusters along with reports, pictures, videos, quotes, and receipts, & still no further than I was in January. Our roof was ****************, with no soffit, facia, and gutters ripped off. Walking on concrete and have no idea what is in my attic except for the reports I got. Its unjustifiably bad faith on their part. We still are in need of fixing drywall, insulation, paint, cabinets, etc. We just want what is right to get back where we were. We do not have a lot of money like others to fix these repairs. I work for Lee County School District in *******. Completely disheartening. Want to be done and move on from this nightmare.

  

  Business Response

  Date: 05/05/2023

  We at Slide appreciate the opportunity to address our Insureds request for assistance.  We have responded to their claim by contacting them, discussing the claims process, and inspecting with an independent field adjuster. Following our initial inspection, we issued an initial settlement for the damages observed at the time of the inspection.  Following that, we received information regarding their representation and have been working with their selected public adjuster on this claim.
  
  Based on additional documentation we received,we have issued payments for supplemental damages along with water mitigation,mold and the release of their recoverable depreciation. We have also agreed to a request from the Insureds representative to invoke the appraisal provision of the policy in order to resolve any outstanding disputes and arrive at a final settlement of the claim.

• Initial Complaint

  Date:04/27/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Slide Insurance created a new Policy for my homeowners insurance which I did not ask for. That policy was requested and paid out by my Mortgage escrow without my knowledge. I called to cancel the policy I did not ask for which was processed on 4/12/2023. I am still waiting for a check for the money that was involuntarily taken from my mortgage escrow account. I have been trying for a week to get an answer as to when my check will be sent to me but their phone system is broken (hangs up after presenting first phone tree menu) and emails to their customer service go unanswered. I just want the money they took from my escrow because my account is almost $6k in the negative. This is NOT a UPC issue That is another issue entirely. I canceled with UPC officially with my Agent to be effective 2/1/2023 and waiting for refund for funds from the ********** of ********* Services. Slide acquired my closed UPC account and created a new one with a new Slide policy number. I acquired coverage from another provider and sent proof to UPC of cancellation and new policy.

  

  Business Response

  Date: 05/02/2023

  Slide is committed to providing outstanding service to our customers and the ******* insurance market at large.  This commitment was the basis for acquiring UPC policies and ensuring that policyholders did not experience any interruption in their insurance protection.  In this case,where the lender is billed for the premium, issuance of the Slide policy resulted in issuance of an invoice to the lender.
  
  Our records support the consumers account of having requested cancellation of the Slide policy, since he had secured replacement coverage with another carrier.  That cancellation was processed, but since a payment had been received from the lender, it was necessary to ensure that it cleared before a refund could be issued.  The refund was issued on April 25, 2023.  If the consumer does not receive it, he should contact us at ************.
  
  We appreciate the opportunity to clarify matters for the consumer and are ready to answer any further questions he may have.  We also look forward to the opportunity to serve him in the future.  

  Customer Answer

  Date: 05/02/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:04/26/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April, 2023 I filed a claim with Slide Insurance. I had soft spots and mold in my bathroom and closet directly behind my shower. Slide Insurance sent out American Leak Detection. They concluded that there was a leak in the shower wall. I understood that if there was a leak within the wall my insurance would cover. They came back with a denial. I called and spoke with ************* who I was told was the supervisor. In speaking with him was told that I had an old Universal and Property Causalities policy that Slide had taken over that had very "restrictive" wording on their coverage in this matter. Basically was told that no matter the damage pipe within the wall, mold, or if I actually had an insurance adjuster come out they would still deny the claim. Stating that it does cover a leak in a pipe in the wall BUT if the leak was repetitive and more than 14 days it would not be covered. I argued for about 45 minutes. * If there is a leak within the walls even if its 7 days there is going to be mold and damage. * I am not going to see a leak in the wall until there is damage. * How do I know if the leak is 14 days or not. I didn't understand any of this and they just kept saying the way the policy is "worded". So basically we concluded our call with no matter what I did or how it looked they would still deny the claim because of the way the policy is "worded" and how "restrictive" it is. It is literally worded in such a way that no matter whether I had damage or not, it was a repetitive leak or not it would not be covered. If it was a leak more than 14 days denied. If there was mold denied. So no matter what it would have and was denied.I believe as insurance that we are obligated legally to pay this should not be allowed. It literally makes something not possible impossible to file a claim for something that should be 100% covered.

  

  Business Response

  Date: 05/02/2023

  We at Slide understand that the claim process can, at times, be frustrating and confusing.  With this in mind, we are committed to working with our policyholders to not only resolve their claims, but to ensure that they understand the findings of our investigations and the reasons behind the outcomes. 
  
  At all times, the settlement of a claim requires application of policy provisions, terms and conditions to the facts and circumstances of the loss at hand. In this case, it was determined that a long-term leak resulted in damage for which there was no coverage under the policy.  As explained to our policyholder, the policy does not cover constant or repeated seepage or leakage of water or steam or the presence or condensation of humidity, moisture or vapor that occurs over a period of 14 or more days, whether hidden or not.  
  
  While we understand her disappointment in this outcome, there is simply no coverage afforded by the policy for this damage.  

  Customer Answer

  Date: 05/02/2023

   
  Complaint: 19982383
  
  I am rejecting this response because: Clearly as stated in an hour long conversation in regard to the policy this lingo was over and over again repeated. It still makes no sense that you will not cover a leak WITHIN A WALL THAT CANNOT BE SEEN OR HEARD if its longer than ********************************************************************************************* A WALL until you start to see damage. Therefore in common sense nature the policy is worded in a misguided way that it covers the insurance company to basically cover NO LEAK within any wall.
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 05/03/2023

  Our policyholder has repeatedly made her position clear to Slide.  We, on our part, have made every effort to provide a clear explanation of how the coverage determination was made, citing the specific policy language applicable to the reported loss.  As soon as our investigation was completed, our desk adjuster contacted the policyholder by phone to convey the coverage determination.  At the policyholders request, a supervisor then called and again explained the findings.  While, regrettably, the policyholder continues to disagree with the outcome, it remains our position that we have adhered to all applicable policy provisions, as well as statutory and regulatory requirements.  As part of our commitment to providing excellent service to our policyholders and the ******* insurance market at large, Slide cannot do otherwise.  

  Customer Answer

  Date: 05/03/2023

   
  Complaint: 19982383
  
  I am rejecting this response because again, I feel it as a fraud to the homeowners who have this slide "insurance" if you call that insurance to word their policy in such a way that they mislead paying homeowners. As, having the policy reviewed by even other insurance companies and contractors this is absurd. UPC which became insolvent March 2023 "SLIDE" has now taken over those policies. What a terrible decision on their part although the reality is now "SLIDE" has to answer for a policy that is misleading and written in a way with wording and quotes and but's that literally make it to where they DO NOT cover ANYTHING even within a wall that is not seen. It would make more sense as a states insurance company to have all UPC homeowners obtain insurance policy's started and given through SLIDE and not policy's from a company that has went insolvent and has nobody's interest in sight but obtaining everyone's money.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:04/25/2023

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Slide mailed me documents stating they took over my old UPC Policy I already cancelled. I had called to confirm Slide received the cancellation notice for my policy, as I had already signed with Citizens Insurance in February. My insurance agent sent the cancellation on 4/12/23, and confirmed it was sent for processing on 4/13/23. Slide charged my escrow account for the ********************** premium of $3,888.00 on 4/12/2023, after I had already had my insurance premium removed for Citizens, which overdrafted my escrow. The Slide customer service representative claims there is no record of my cancellation, nor my escrow payment. I have proof of the cancellation signed by myself and my agent. I also have multiple records of proof Slide removed the insurance premium from my escrow account, including the email confirmation from my mortgage company, as well as the screenshot of the funds taken. Please let me know how and when this will be resolved, so I can receive my refund check, and fix my escrow balance. The company has been dismal at best in their customer service and in their organization. I already tried calling customer service, emailing customer service, and emailing the underwriting department, but I have received no response.

  

  Business Response

  Date: 05/02/2023

  We are pleased to note that our records support the consumers account of her request to cancel her Slide policy.  It seems, however, that the transaction was processed incorrectly by the agent as a rewrite of the policy to a new one with Slide. This resulted in a premium invoice being issued to the mortgagee for the rewritten policy.  We have been in touch with the agent, verified what took place and have processed the cancellation of the Slide policy again, resulting in a refund of the premium paid.
  

  We hope this serves to clarify events for the consumer. If she has any further questions, she can contact us at ************.  

  Customer Answer

  Date: 05/02/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** (*****) ******

• Initial Complaint

  Date:04/24/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I cancelled my UPC policy. Received a cancellation notice and refund check from Slide Insurance. It appears as though Slide Insurance took it upon themselves to start a new policy and submitted that policy for payment to my mortgage company without any communication from me. They did all of this while I currently have another insurance policy in place. My current premium is for $1,700 and the most recent policy Slide sent was for $6,500! No one from Slide contacted me regarding a new policy. I called my mortgage company and placed a stop payment on the check they sent to Slide. They also completed an escrow analysis to reflect the insurance policy that I currently have in place. Insurance companies should not be allowed to behave this way. I want to ensure that Slide does not deposit the check they receive from my mortgage company.

  

  Business Response

  Date: 04/27/2023

  Slide is committed to providing outstanding service to our customers and the ******* insurance market at large.  That commitment was the basis for acquiring UPC policies and ensuring that policyholders did not experience any lapse in their coverage.  As in this case, this meant that a new Slide policy was issued as of the expiration date of the previous UPC policy, ensuring that insurance protection was in place for those consumers who need it to continue uninterrupted.  It also means that when the premium is being billed to a lender for payment, an invoice will necessarily be issued to that lender.
  
  As in this case, we understand that not all consumers want to have insurance with Slide or have secured coverage with other carriers.  We have, accordingly, cancelled the Slide policy as of the effective date, as requested. 

• Initial Complaint

  Date:04/24/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  UPC WENT UNDER AND SLIDE INSURANCE AT P*O*box ***** ***** *** ***** took over for my homeowners insurance policy #uhf ******* 02,with upc insurance i paid every month by computer thu bank on line banking on line* SLIDE ONLY WANTED ME TO SEND A CHECK which i did due 4-10-23 to date they have not cashed it ,so i sent another check for $173*91 on the 4-18-23 never cashed or credited my account * so on 4-21-23 i spent $10*00sending 2 day service to p*O*box ***** ***** ** ****** for another $ 173,91 for june * After all that when the mail i received a letter on termination effective 04/28/2023 at 12:01 am * i contacted SLIDE AND TOLD THEM I SENT CHECKS MORE THAN enough, agent told me to wait another week as they were slow in cashing checks *meanwhile, i do not WANT MY INSURANCE TERMINATED NOT my fault they did not cash checks*I was told to send checks at bottom of invoice to SLIDE INSURANCE COMPANY P*O*BOX *****, ***** ** *********** phone # for SLIDE is ************* Please contact them to not TERMINATE MY INSURANCE AS I HAVE A REVERSE MORTGAGE* THANK YOU --************************

  

  Business Response

  Date: 05/01/2023

  We greatly appreciate being notified of this situation.  Our commitment in acquiring this policy from United Property & Casualty (UPC) was to ensure no lapse in the policyholders insurance protection.  We apologize that the transition resulted in concern on the part of our new policyholder.  We are pleased to report that all of the referenced payments have been accounted for and we have been in touch with our policyholder to make certain that all is resolved to his satisfaction.  If he has any further questions or concerns, we are prepared to address them.