Dear Progressive Home Advantage,
You might remember me.
I am the father of two young but adorable children who is a full time student with the adorable children's mother and a member of the national guard who fulfills all his obligations and makes payments on time and helps others and donates 10% of his income to either the poor or the church.
I'm also the name on one of your smaller policies. A policy started on January 12th for approximately $20k in insurance for a year, for a payment of $225? Something like that. I know it sounded a bit too nice. I should have known better.
You see back on March 10th my car was relieved of my book bag and several other bags containing items worth about 1/10th to 1/20th of my policy value. Trying to be high speed and reliable I thought I should report this as soon as possible and called that night for a police report. After doing that I was told by well meaning friends, "hey maybe your insurance will cover this?"
So Friday March 11th I called you to ask if this theft incident was something I should even talk to you about? The friendly lady said hey sure that's covered you can make a claim. So that morning I made a claim with your company. Because you know... that is what the insurance is for.
Imagine my surprise when Saturday March 19th I get a letter in the mail. A letter mailed 6 days after my claim. A letter saying my policy had been canceled. Due to "unfavorable loss experience".
I called you in surprise as soon as your office opened Monday. Your very cheerful professional staff explained that it was your policy to cancel any policies that made a claim within the first 60 days of the policy. Oh. Yeah that was a bit of a shock. You kindly sent me copies of my policy and pointed at page 32 on the right hand side where it explains that you can cancel the policy for any reason at all within the first 60 days. Ah bother.
To bad I hadn't waited until Monday instead of being high speed. Because Monday March 13th....would have been day 61. Instead of Friday March 11th, Day 58.
So as it is I'm sorry that the theft of my belongings happened three days too early for you and I dearly hope that you don't miss my business too much because I can no longer do business with you or any of your subsidiaries and as soon as I can I will be saving you the bother of insuring me for the least amount possible on the other items you say that you cover for me.
Your former policy holder.