If you have Bancomer home insurance- you don't... At Posada Concepcion, Ther are three totally rejected damage claims filed with Bancomer home insurance. Don't know how many in BCS The rejection notice came two and a half months after submitting hurricane Jimena damage claims as directed by the insurance adjusters. These adjusters were here within 10 days after the storm to take pictures and issue claim instruction forms.
The rejection of the claims stated the reason as Article 70 in Mexican law (Article 70.- The obligations of the insurance company shall be exempted should it prove the insured party, the beneficiary or the legal proxies of both, leading to make it incur in a mistake, inaccurately dissimulate or declare facts or events which would exclude or could restrict such obligations. And this would apply also if the information is deemed insufficient for making any decisions).
Now today, in eighty minute meeting with the Senor Diego, Bancomer bank manager, he was able to get a call through to Senor Gomez at the claims office in Monterrey. The same Senor Gomez who could not be reached last week, and the same Senor Gomez who signed the rejection notices everyone received. He said claims were rejected because the houses in the Mulege area are of inferior construction, leaving the implication that if they were solid built houses there would not have had damage claims. He said the cases are closed and he is finished talking about it- "I wash my hands of this whole business".
Senor Diego offered the address of the insurance arbitration board the only other option. Yet it was learned from an attorney that Bancomer is not bound by law to participate in the arbitration process, but only voluntarily. Senor Diego also offered the comment that there are only one or two claims receiving settlement "of some sort" and that there are "many many rejected claims" with unhappy people.
So it looks like you can pay Bancomer for home insurance or not pay Bancomer for home insurance, the result is the same. NO MONIES OF OURS ONLY YOURS

I wondered how long it would take for something like that to happen. The insurance companies have been hit hard by at least 3 disasters in recent years. John, the one prior and Jimena. I was surprised that ANY insurance was available after John. In the years I lived in Mulege, (21)I carried no insurance, going by the old rule for Baja Rats "never invest any more than you can walk away from". I would be very sceptical about reinsuring anything from now on...