Everett Cash Mutual Insurance Co

I would advise anyone looking for business insurance to not use this company. I own a restaurant and have been with Everette Cash Mutual since 2013. I had a gas leak in my building September 28th where the fire station had to turn off our gas and broke the locks off the door to get inside. The gas company didn't come out until Oct 1 to turn our gas back on so we had to be closed the whole day of Oct 2. The gas company had a reported leak since Sept 18th but for some unknown reason never repaired the leak. I filed my first claim on Sept 30th for the locks on my door that were broken off and the lost of income (which I had to cancel a catering event). I initially didn't get contacted by my adjuster Cliff until Oct 3rd which I was the one to call everyday. Long story short... after getting the run around I still had my claim denied. The reason for the denial was that there was no direct physical loss or no damage to the gas line. This is absolutely ridiculous. The gas company stated that it was no one fault but the valve may have loosened up. And that doesn't mean there wasn't damaged to the gas pipe when no one investigated the pipe to see exactly what happened. Either way it should've been covered. I'm absolutely disgusted with this company. I've always paid on time and never filed claim before.

This matter was settled and payment was made. [redacted] *Everett Cash Mutual Insurance Co [redacted] Claims Department

This matter was settled and payment was made.[redacted]Everett Cash Mutual Insurance Co[redacted]
[redacted]Claims Department

Review: My husband and I went with Everett Cash Mutual in 2009 because we wanted a small farm policy. We have been under the impression that our tools and equipment have been covered as was told to us by the insurance agent. We recently had an accident with our John Deere 2355 loader. My husband started it and then got off to retrieve something he forgot and then the inside of the cab blew up, for lack of a better word, and the windows blew out and the seat caught fire. If my husband would have remained inside, he would have been killed. I immediately contacted my insurance agent and she looked at our policy and said it looked as if it was covered because it said "tools and equipment". I then took some pictures of the damage and called the a Motor & Implement shop to come and get it and give us an estimate for our insurance. We decided to go there instead of a John Deere Repair Shop to keep the cost down. As soon as I received the estimate, I took it and the pictures to my insurance agent. Today I was called and told that the claim had been declined. Needless to say, I was very upset. The estimate was $3446.35. That includes labor and hauling. A John Deere 2355 is considered to be heavy equipment. We specifically asked if this would be covered when we got the policy and were told yes. The declarations page of our farm personal property coverage lists "tools and equipment" as being covered of $10,000. We use this piece of equipment for servicing our barn, outbuildings, and structures and for maintaining our roads. This equipment is used for cleaning out the barn, digging holes for additions, road repair, snow removal and moving other equipment necessary to the farm structure. Page 3 (par. 4) says "we cover outdoor equipment used of servicing that dwelling". Page 9 (7) of the policy even says "we pay for glass breakage in cabs of covered farm machinery". Page 3 (2) says "we cover your unscheduled mobile farm machinery and equipment. This is a "farm policy". It should cover farm equipment.Desired Settlement: The decline of our claim was a shock. Our 2355 is an integral part of keeping our property and farm buildings in good repair. If this policy does not include our 2355 then we have been mislead. We pay on time and do not abuse our property or our insurance. We would like to receive the services and benefits we pay for. Please view this claim again and see it in compliance with our policy and rescind the "decline" and change it to "accept" or we will have to seek another company. Thank u

Business

Response:

This matter was settled and payment was made.[redacted]Everett Cash Mutual Insurance Co[redacted]

[redacted]Claims Department