Dear Ms. Lewis,
I am responding to your letters asking us to renew our NH homeowners’ insurance policy through your agency. My husband Frank Wilczek and I have transfered this policy to the care of Phelan Insurance in Cambridge, MA.
For 20 years, we have had a homeowners’ policy through [your company]. I don’t recall that we ever made a claim on you–just kept paying the premium, year after year.
In August of 2006, a microburst storm hit our NH neighborhood. A huge tree crushed my husband’s car, which is insured (with Commerce Insurance) through the Phelan Agency. When I called Phelan, our agent there was helpful and quick to get everything moving to pay our claim. In addition to paying for the car’s value, they also authorized the $200 payment it took to get the giant tree off the car so it could be towed.
In contrast, when I called [your company’s] office, I was treated quite brusquely. “Did a tree fall on your house?” the person asked. I said no, but giant trees had fallen all over our yard–clearing them away was going to be quite expensive. “If a tree didn’t fall on your house, you have no coverage.”
After thinking this over, I asked Phelan Insurance if we could transfer our NH policy to them when the premium next came due. I feel that if I ever need the insurance that we’ve been paying for all these years, the people at Phelan will be a lot more helpful.
Sincerely &etc…..