I am angry.
I am angry because when we contacted Progressive Insurance
three months ago to let them know that we were in the process of buying a farm
and would need to alter our insurance, they said that would be fine. I’m angry
that when we signed all the papers and money changed hands, Progressive Insurance
told us that it was all set up, the property was insured, and payments for the
insurance were lumped into the mortgage payment. I’m angry because the form I
got in the mail on the 7th of May came with a letter dated the 24th
of April saying that unless we signed and dated the form within 10 days, our
policy would be cancelled. Ten days from the date on the letter or ten days
from receipt? Mostly, though, I’m angry that it was that letter that led us to
the knowledge that Progressive Insurance had every intention of cancelling our
policy regardless of what we did, but they weren’t interested in giving us much
notice and no way to appeal the decision.
They had several reasons why they were going to cancel the
policy on the farm. One was that there is a metal building on the property that
could “blow away.” It’s difficult to get a straight answer from them, but they
seem to be referring to a corrugated metal equipment shed that has been on the
property for a while and is very solid. They also hinted at a handrail that was
missing. We were confused as the only stairs on the property that are high
enough to require a handrail already have a hand rail! We eventually worked out
that what they meant was the guardrail around the back deck, the one we
informed them we would be replacing as soon as possible. Another reason was the
tree branches that are over hanging the roof- the same ones that we informed
them the entire tree would be removed shortly. All these reasons for
questioning the policy, asking for clarification, I could respect that. But
they didn’t ask for clarification, they threatened.
The most appalling reason for cancellation, though, is
non-negotiable, ridiculous, and an absolutely mind boggling example of what is
completely wrong with Progressive Insurance’s company. One of the out buildings
they required to be torn down is a chicken coop. When we questioned why, their
response was that if there is a chicken coop on the property, we may be tempted
to have chickens. It’s a farm; of course we’re planning to have chickens. Progressive
Insurance cannot insure a farm property that has farm animals. If we have a
single chicken on the property, our policy is void. One of our reasons for
moving out to the country was to have chickens!
I am angry that this is the system. I’m angry that
Progressive’s response was, “You should get quotes from other agencies.” We took
their advice, and are collecting a few other quotes. The interesting thing is
that even the “expensive” companies are coming in very close in price to
Progressive’s bargain.
I strongly urge anyone who has Progressive Insurance to
start shopping for better insurance now, before they decide to cancel your
policy for an illogical reason that they have no obligation to inform you of.
Question everything!
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