Questions and Answers
The Providence is committed to providing our policyholders with excellent service 24 hours a day, seven days a week. You may have a question about how to access emergency assistance, filing a claim, or a property loss. You may also want to know about The Providence's convenient billing programs. To assist you, we have highlighted the most frequently asked questions. We also provide you with news about The Providence and a convenient easy way to contact us.
You, too, can trust The Providence. We stand ready to help.
Questions and Answers about ClaimsWhat do I do if I have an emergency in the middle of the night or a loss on a weekend or holiday?
The Providence's 24-hour claims service is available after normal business hours. If you need to report a claim that requires emergency assistance, call our toll-free number (877) 763-1800. You will be directed to an after-hours service provider.
How will I know if my damaged property is covered by my insurance?
Usually your agent will be able to tell you if the loss is covered or not. However, if there are still some questions, the Providence Mutual claims staff is happy and able to help you.
When can I start repairs to my damaged property?
Usually, our adjuster will need to see the damaged property prior to repairs being started. However, if you need to protect your property from further damage, you should make emergency repairs and keep a record of your expenses.
Do all property damage claims need to be seen by an adjuster?
Not always. Some minor claims, those that can be easily repaired, do not have to be seen. Usually an estimate from your contractor will suffice. Be sure to keep all of the paperwork!
When will I receive payment for the loss?
As soon as our adjuster sees the damaged property, we will issue a check to cover the cost of repairs, less the deductible amount on your policy.
Questions and Answers about the Direct Bill ProgramCan you explain The Providence's direct billing program?
Whether you are a new policyholder, renewing your policy, or using the Mortgagee Billing Program, the following information provides all the information you need to understand The Providence's Direct Billing Programs.
Payment Options
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4 Pay Plan - 25% Down
3 Installments - Each for 25% of premium billed every 60 days. -
5 Pay Plan - 20% Down
4 Installments - Each for 20% of premium, billed every 45 days. -
9 Pay Plan - 20% Down
8 Installments - Each for 10% of the remaining premium, billed every 33 days. -
10 Pay Plan (Rhode Island Automobile Only)
9 Installments - Each for 1/9 of the remaining premium balance
A service charge of $3.00 will be added to each installment. A charge of $15.00 will be added for insufficient funds or returned checks (with the exception of New Jersey & Rhode Island).
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