ED Magedson – Founder
AMICA Insurance CompanyProvidence, Rhode Island USA
AMICA Insurance Company Lauren A. Woodward Lack of availability of extra coverage for are specific problems Providence Rhode Island
Thirty years ago I bought my first and only home (1983) so when looking for insurance I went with AMICA, a company rated number one after the the comapny for military personnel. I thought I had made a wise choice until a couple months ago when I put in a claim because my basement floor on one side was cracking and rising like a crated. They sent out an ajusted who refused the claim based on it was earth movement caused by nature.
I hired a Home Inspector because I didn't agree and I was right. The problem was caused by the used of slag instead of gravel underneth the concrete. This was very common in the Pittsburgh, PA area in the 40's and50's. The still refused to fix it because it was not covered under my generic policy, even thought the information that this was a common problem in my area was available by 1986. Had AMICA had offered me additional coverage for this I would have taken it.
Needless to say I went on a search for another insurance company and found out some interesting things. Number one of the companys I talked to I was informed most companies have a generic policy and unless they have a rider for special circumstances you are out of luck with unique or area specific problems. Number two if you find youself in the same type of situation as I have you should look for an insurance company that might have coverage or get the cheapest insurance policy by a reliable company and put money aside in case you have to cover the damage yourself.
When I started calling around and talking to 4 of the top comanies I not only found out about the generic policy issue I also found out that for 30 years I was paying around twice as much for my home owners policy, around $20,00 to 25,000 in 30 years and around 3 times as much for my automobile e.g for 2013 I was paying $1332.00 and my car is almost 16 years old.
This report was posted on Ripoff Report on 03/13/2014 02:55 PM and is a permanent record located here: http://www.ripoffreport.com/reports/amica-insurance-company/providence-rhode-island-02940-6700/amica-insurance-company-lauren-a-woodward-lack-of-availability-of-extra-coverage-for-are-1130551. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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