This (report) indicates everything was corrected.

Because the records have been washed, we have no idea what the original damages were. They're telling me it's every brand you can think of.

The client would write a check for Fonte to forward to the insurance company, and he wasn't doing anything beyond collecting the check and cashing it in his own account. Unfortunately, unless someone is very diligent about making sure they have received the policy and read it, a customer might never know they didn't have coverage until they needed to file a claim.