The Providence Mutual Fire Insurance Company

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Avoid This Insurance Company
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MAINE, MAINE -- My father's house and seasonal home were both insured by The Providence, The Providence Mutual Fire Insurance Company/Providence Rhode Island, probably for more than 50 years. Recently, my father moved into an assisted living facility, following some healht issues which may or may not be temporary, leaving his home unoccupied for now. Unfortunately a pipe burst in the cellar and given the time of year and temperature caused a fair amount of mold damage even though the house was checked several times a week by my sister, who lives within 2 miles of my Dad's house.

The cost of clean up was over $6000.00 which The Providence did not cover. No problem, it was mold, which many insurance companies no longer cover unless you pay extra for a "mold clause." My dad did not have a mold clause and so paid for the clean up out of pocket. No harm, no foul...until now.

Two days ago my sister who is Power of Attorney gets a call from our agent. The Providence is cancelling our policy on both the house and the seasonal home. We didn't file a claim, the house is unoccupied only for the moment and is checked and checked often. If my dad was on vacation would his house be covered? If he lived part of the year in Florida and part of it in Maine, would it be covered? The point is, we didn't even claim anything once we were told that we could not without a mold clause and now his coverage is being cancelled.

Buyer beware, Insurance companies are becoming the slimiest, shadiest most low life scum sucking businesses on the planet. Make sure when you are shopping that you are covered because insurance companies are just looking to take your money and give you nothing in return. Shop carefully.
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User Replies:
moneybags on 07/29/2008:
They probably looked at it as "unoccupied." Insurance companies are ruthless. Think about the Katrina claims.
spiderman2 on 07/29/2008:
This is not a new practice. An unoccupied house is not something that an insurer wants to deal with. The risks of vandalism or other incidents, such as the above mentioned pipes bursting are increased when no one lives in a home. There are also special provisions for vacation homes that are unoccupied for long periods too. I would sit down with an insurance agent and find out what the status on the insurance for both homes and what you should do next to make sure that there is some coverage in place.
Cristen on 07/30/2008:
After sharing my story with a friend she told me that her homeowners insurance company cancelled her policy just because she inquired about a possible claim, which was denied. She was advised by her local agent that in the future she should:

a) Drive into a strange town
b) Using her cell phone, call her insurance company anonymously and inquire about the claim that she wants to file as a hypothetical situation. For example:

Insurance Company: "Good morning, The Providence, how may I help you?"

Customer: "Hypothetically speaking, if my house burned down due to faulty wiring, would you cover that?"

It seems insurance companies today are cancelling you just for asking if your covered. As I said in my original post, scum sucking slimeballs.
ron on 02/11/2013:
no matter what "Hypothetical" you throw at them, you will get a positive response....until you are a customer. There is "always" an escape clause for them! Our best solution is to co-op w/ other insurers and create a "good" insurance plan...but we are scattered sheep at the mercy of these wolves.
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Avoid The Providence Mutual Fire Insurance Company
Posted by on

I am a co-insured under a policy from The Providence Mutual Fire Insurance Company, and a loss was recently incurred on this policy. After the adjustment process, which took a very long time (5 months!), I was shocked to have The Providence send me a claim seeking reimbursement for the claim they had just adjudicated. The claim states that they are seeking reimbursement for a loss covered under the policy (they are not disputing whether or not the loss was covered). This is COMPLETELY ILLEGAL under Massachusetts general laws' consumer protection statutes. What's the point of insurance if the insurance company pays a claim and seeks reimbursement you?

The adjuster I spoke with was an idiot, and no one at the company seems to care / I cannot get this resolved. I am about to embark on legal proceedings against this company, but wanted to caution anyone seeking to do business with The Providence Mutual Fire Insurance Company that, in my opinion, they are as shady and unethical as they come / look elsewhere.
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spiderman2 on 07/28/2009:
Details would be important here. What kind of claim did you have? Are you co-insured with your wife, a business partner or an aquiantence? Is this a business or personal loss? For many types of claims (fire at a business for example) 5 months isn't really a long time to get it resolved.
SubrogationNightmare on 07/29/2009:
Claim was a loss due to pipe bursting. I am co-insured with my landlord. I was not responsible for the pipe burst. Further, my understanding is that Mass consumer protection laws (93A & 176D) are extremely clear that insurers may not subrogate against tenants who are co-insured (actual or implied), even when they are responsible for the loss. All this was shared with Providence, who nonetheless continues to pursue the claim.
latka2222888 on 11/13/2010:
this company has a history of playing dirty and saying one thing but doing another. Many insured are being abused by this company and they tight walk between legal and illegal actions. When you file they just do enough to stop the proceedings then they go back to doing dragging the thing out until you want to quit. 2 yrs is the limit so keep it in mind. You must act before this time line.
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