Department of Insurance warns consumers not to purchase home
warranty service from Arkidus Home Protection
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[February 08, 2013]
SPRINGFIELD -- The Illinois
Department of Insurance is alerting consumers that Arkidus Home
Protection has been unlawfully marketing home warranty services to
Illinois residents via the Internet. Despite a previous order by the
department to cease and desist from doing business in Illinois, the
Florida-based Arkidus offered coverage for household appliances.
The department has received several complaints from consumers who
were having difficulty receiving reimbursement from Arkidus for
claims. An investigation determined that Arkidus and Reinaldo "Ray"
A. Berges, who conducted business individually and on behalf of the
company, had never been granted a certificate of authority to
transact insurance or a license to sell home warranties in Illinois.
Consumers who have been doing business with Arkidus, via
http://theahp.net/ or Berges,
should immediately seek assistance about their coverage.
consumer alert by the Department of Insurance:
Protection and Reinaldo "Ray" A. Berges, of Miami, Florida -
Cease and Desist Order effective January 17, 2013. The cease and
desist was pursuant to a Director's Order regarding Hearing No.
12-HR-1134. The order, which sustained a previously issued Cease and
Desist Order, alleged that Mr. Berges and Arkidus had engaged in the
transaction of insurance business in Illinois without first
procuring a certificate of authority from the Director of Insurance.
The order required that Mr. Berges, individually and on behalf of
Arkidus, to pay a $1,500 civil penalty and $214.55 hearing costs.
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The state of Florida has taken similar action against Arkidus
about the illegal activity.
The department's mission is to protect consumers by providing
assistance and information, by efficiently regulating the insurance
industry's market behavior and financial solvency, and by fostering
a competitive insurance marketplace. The Illinois Department of
Insurance assists consumers with all insurance complaints, including
health, auto, life and homeowner. Consumers in need of information
or assistance should visit the department's website at
www.insurance.illinois.gov or call the toll-free hotline,
Illinois Department of
file received from
Illinois Office of
Communication and Information]