So then the next month, before I've even gotten around to depositing the check, I get a nastygram saying "we didn't get your last payment for $90, so we're cancelling your insurance as of the day before we mailed this letter."
That's right -- they sent my check back to me, then threatened to cut off my insurance because they didn't have the money they sent back to me.
So I call them on the phone and left a message (since their business hours do not correspond with my awakeness hours) describing this, and saying "so I'm sending in a payment for $90 today, how about you hang onto it this time?"
A week later I get a paper letter from them "explaining" that the previous check was returned as "an overpayment on the previous term."
Give me a fucking break! I've had insurance with these people for like seven years, and suddenly I've hit this window where, if the check doesn't arrive on the right day of the month, it gets rejected as an overpayment of last year's policy, and not applied to this year's??? They have got to be kidding!
So I ignored them for a while longer, assuming that eventually they were going to come bitching about their $5 penalty some time down the line. But today I got another letter from them (well actually it arrived last week, but I only just opened it) saying that "they have no record of reinstatement."
So I think what this means is, I will end up not having homeowners' insurance any more, because I'm just completely unwilling to talk to these assholes on the phone. This is a recurring problem. I hate dealing with this shit so much that I just... don't.
I guess I don't really need homeowners' insurance anyway. I live in a fucking concrete-bunker condo. I'm not even entirely clear what my policy covers beyond robbery, since I think my personal ownership of the building ends just beyond the paint.
I need a lackey.