Electric Insurance Insurance Scam Beverly, Massachusetts

July 10 2008 I insured both my home and auto with Electric Insurance Company, on September 1st. 2010   I noticed the foundation at the back of my house had sunk about six inches leaving my home suspended without support at the north west corner, so I called a local contractor to get a estimate to repair it.  A & A Contracting Service determined that the cinder blocks on the bottom had deteriorated due to Alkali in the soil, and gave me a bid of $1350.00 out of which I would have to pay a $500.00 deductible.  So I called the Electric Insurance Company and spoke with their representative Austin Marshal to give him the report, wherein he told me that he would get back to me later after checking my policy coverages.  When Mr. Austin Marshal called me back he informed me that my insurance did not cover pollutants, and that Alkali was listed as a pollutant in my policy.  I had never received anything previously from Electric Insurance other than a cover page, so I had no knowledge as to what the actual policy contract contained.  As of this date the foundation under my home is still not repaired, and when I changed my Insurance to another Company, the Electric Insurance company further deducted 10% from my remaining months of premium coverage.