Customer satisfaction is important to MATT FLETCHER INSURANCE SERVICES INC. This Refund Policy outlines the procedures and conditions related to insurance policy cancellations, premium refunds, and billing matters.
1. Insurance Premiums
Insurance premium payments are generally governed by the terms and conditions established by the individual insurance carrier providing your policy. Refund eligibility may depend upon:
- The rules and policies of the applicable insurance carrier
- State regulations governing insurance premium refunds in California
- The type of insurance policy involved
- The timing of the cancellation request relative to the policy period
- Whether the policy has been in force and any claims have been filed
2. Policy Cancellations
Customers who wish to cancel an insurance policy may do so in accordance with the procedures established by the applicable insurance carrier and California law. Cancellation requests may require:
- Written notice of cancellation submitted to our office or directly to the carrier
- Completion of signed cancellation forms as required by the carrier
- Verification documentation to confirm identity and policy ownership
- Return of any physical policy documents if required
Please contact our office at (951) 207-8132 to initiate a policy cancellation request. We will guide you through the process.
3. Pro-Rated Refunds
Where eligible, refunds may be issued on a pro-rated basis for unused portions of a paid coverage period. The calculation of pro-rated refunds is subject to the carrier's specific refund methodology, which may be either a short-rate or pro-rata calculation depending on the policy type and the party initiating the cancellation.
4. Fees and Non-Refundable Charges
Certain fees associated with your insurance policy or our services may be non-refundable where permitted by applicable law. These may include:
- Administrative processing fees
- Policy issuance fees charged by carriers
- Installment payment fees or finance charges
- Short-rate cancellation penalties as defined in the policy
We will clearly communicate any applicable non-refundable fees prior to processing a cancellation.
5. Refund Processing Times
Refund processing times may vary depending on the insurance carrier, payment provider, and financial institution involved. Typical refund timelines are:
- Carrier-issued premium refunds: 2–6 weeks from cancellation effective date
- Credit card refunds: 5–10 business days after carrier processes the refund
- Check refunds: 2–4 weeks from issuance
These timelines are estimates and may vary. We will keep you informed of the status of your refund upon request.
6. Billing Issues and Disputed Charges
If you believe you have been charged incorrectly or have a billing concern, please contact our office promptly. We will investigate the matter and work with the applicable carrier or payment provider to resolve any billing discrepancies.
To report a billing issue, contact us at (951) 207-8132 or email admin@mattfletcherinsuranceservices.com.
7. No Guarantee of Refunds
The approval of any refund request remains subject to the applicable carrier's terms and conditions, California insurance regulations, and the specific circumstances of your policy. Matt Fletcher Insurance Services Inc. acts as an intermediary and cannot guarantee refund approval from insurance carriers.
We will advocate on your behalf and provide all necessary assistance to facilitate eligible refunds in a timely manner.
8. Contact Information
For all refund inquiries, cancellation requests, or billing questions, please contact us:
MATT FLETCHER INSURANCE SERVICES INC.
19316 Firestone Cir
Huntington Beach, CA 92648
Phone: (951) 207-8132
Email: admin@mattfletcherinsuranceservices.com
Business Hours: Monday – Friday, 9:00 AM – 6:00 PM PT