Reviews

Review Details

• Review fromJohn H

  Date: 04/16/2025

  1 star
  If I could give zero stars... I WOULD! I am currently dealing with an ongoing claim for chimney fire caused by negligent workmanship from a chimney service company I hired for a cleaning and inspection. The damage to my home is mostly smoke damage which one might assume would make this a relatively straightforward claim. Unfortunately, Vermont Mutual has consistently employed the classic tactics of delay, deny, and defend. They have hired an external adjuster whose primary role appears to be adding an extra layer of bureaucracy to delay the claim further. This external adjuster is unable to make decisions independently and must consult with the internal adjuster, creating additional hurdles. the internal adjuster is noncommunicative and sends us back to the external adjuster.When I attempted to arrange a meeting with my actual adjuster, they refused to attend, exemplifying the lack of communication that has become standard operating procedure. Instead of providing timely and useful updates, they often call with irrelevant information, such as informing me that the necessary repair work done yesterday for an estimate submitted two weeks ago is priced to high and therefore the payment will be reduced. This is another $5,000 I am forced to eat. This pattern of behavior has been frustrating and has significantly hindered the progress of my claim. I have no expectation of being indemnified when this concludes and will likely have to take legal matters into my own hands against the at fault party even though Vermont should be doing this work. I initially switched to Vermont Mutual to save about $800 a year, but this decision has proven to be a mistake. The BBB's A+ rating urgently needs review. I am sure a poll of folks that had a claim, arguably the real users of the insurance, will yield few positive responses.
  

  Vermont Mutual Insurance Group

  Date: 04/20/2025

  BBB, Please provide insured's name and policy # so we can determine if this is one of our insureds.

   

  Thank you kindly.

   

   

• Review fromC. S.

  Date: 03/01/2025

  1 star
  Three months after a house fire and Vermont Mutual is still refusing to agree scope of works or a figure for rebuilding. This unnecessary stress is extremely damaging to my family
  

  Vermont Mutual Insurance Group

  Date: 03/07/2025

  We understand the importance of resolving claims promptly, especially when they involve significant damage. We first received your claim on December 2, 2024,for the loss that occurred on November 28, 2024. You retained a public adjuster on November 29, 2024 to represent you in this claim. We assigned a local adjuster to inspect with your public adjuster, and we also had one of our general adjusters involved in the inspection and oversight of the claim. 
  
  Following two thorough inspections by all of the adjusters, the damages were confirmed to be extensive. Recognizing the immediate impact this loss would have on you and your family, we promptly approved additional living expenses and also issued advance payments. Our assigned adjuster conducted a detailed assessment and submitted their estimate for review. To ensure accuracy, the estimate underwent a comprehensive evaluation by our general adjuster, our experienced file examiner, and our claims leadership team. This extensive review process was completed on March 4, 2025, at which point the adjuster was authorized to present the settlement offer and estimate.
  
  Given the complexity of the loss, a thorough review was necessary to ensure the settlement offer was accurate and accounted for all covered damages. Payment for the balance owed on the net actual cash value of the damages has since been processed. We want to assure you that we have worked diligently to resolve your claim as quickly as possible. If you have any further questions, please do not hesitate to reach out. Thank you.
  

  C. S.

  Date: 03/08/2025

  I could give several specific examples of Vermont Insurance dragging its feet but I am too stressed out to do so.. Vermonts delaying tactics are affecting my mental health and that of the rest of my family

• Review fromROBERT J

  Date: 10/30/2024

  1 star
  I was recently involved in a rear end accident where someone hit the rear of my vehicle on the highway. The only damage to my vehicle was a broken taillight and some scratches on the bumper. I'm a mechanical person and opted to repair the damage myself. Vermont Mutual informed me that they would not release the funds to me personally because my vehicle is financed, and the repair costs were over $1,000. This is a 2022 *** pickup, the new taillight alone costs $948 according to their estimate. Virtually any damage on a newer vehicle is going to cost over $1,000 to repair. Buyer beware, you will not be able to perform your own repairs if you're a customer of ********************************************* and you're still making payments on your vehicle. Absolutely ridiculous.
  

  Vermont Mutual Insurance Group

  Date: 10/31/2024

  Please allow this to serve as a response to BBB Customer Review #******, submitted by our insured. The vehicle in question has an active lienholder with a secured interest, which we are obligated to protect in accordance with the terms of the policy. As such, our policy requires us to include the lienholder as a payee on any payment issued for repairs to the insured vehicle.The insured may choose to handle the repairs independently; however, they must provide proof of completed repairs to the lienholder, who will then endorse the payment.We have confirmed directly with the lienholder that this process aligns with their standard requirements to safeguard their interest in the vehicle.Sincerely,Vermont Mutual *****************

• Review fromMaria K

  Date: 09/10/2024

  1 star
  Horrible horrible horrible Have had them for 20 years. Had a no fault accident and it was a nightmarw to deal with them.
  

  Vermont Mutual Insurance Group

  Date: 09/11/2024

  Please provide a policy number or full name.  

• Review fromJohn F

  Date: 07/22/2024

  1 star
  *************************** doesnt do her job, doesnt communicate with her customers or anyone involved in the claim. Getting a hold of her manager, *******, is a joke. She doesnt pick up her phone and doesnt call back. ***** just go in circles trying to get information and get so frustrated that itll be worth it to just look elsewhere. I beg you please dont waste your time. this company is falling apart and i guarantee they will stop paying out claims and customers will have to get lawyers.
  

  Vermont Mutual Insurance Group

  Date: 07/24/2024

  To Whom It May ************** allow this to serve as a response to the BBB customer review #******. The review in question was submitted by our named Insured. We have been working diligently to resolve the outstanding portions of the claim and have maintained continual contact with the insured throughout the entire claims process. We want to assure them that every effort is being made to resolve this claim as quickly as possible, unfortunately, despite our best efforts, the process can sometimes take longer than anticipated. We acknowledge and apologize for their frustration with the process. We have issued payments throughout the adjustment process and recently issued a payment for the third supplement. It is our expectation that this additional payment will conclude this claim for our insured.Sincerely,Vermont Mutual *****************

• Review fromadam s

  Date: 06/24/2024

  1 star
  Dealing with a house fire and Vermont mutual used colonial adjustments. Well the whole scheme is pretty much fraud. These two companies keep breaking the laws. Once we Finnish building our house were taking them to court. Watch out if you have to deal with them.
  

  Vermont Mutual Insurance Group

  Date: 06/25/2024

  Please provide a policy number or Claim # . Thank you kindly.************************************* - 6/25/2024
  

  Vermont Mutual Insurance Group

  Date: 07/03/2024

  To Whom It May ********************** allow this to serve as a response to the BBB customer review #******.  The review in question was submitted by a representative of our named Insured, a family member.  We have been working diligently to resolve the outstanding portions of the claim and have maintained continual contact with the insured's representative throughout the entire claims process.
  
  We want to assure them that every effort is being made to resolve this claim as quickly as possible, unfortunately, despite our best efforts, the process can sometimes take longer than anticipated.  However,while we acknowledge their frustration, their accusation of fraud is completely false and wholly without merit.  We have issued payments throughout the adjustment process and will continue to assess the open aspects of the claim as we await the requested documentation.  Our intention is to continue to work collaboratively with the insureds representative and reach an amicable settlement for all outstanding portions of the claim.

  
  Sincerely,

  
  Vermont Mutual Claims Department

• Review fromAbbey C

  Date: 06/07/2024

  1 star
  If I could leave zero stars, I would. After 20 years of having auto insurance through VT Mutual, they terminated our policy because our child was in a no-fault accident and then received a speeding ticket. Shortly after the speeding ticket, our insurance increased by an extra $1,000. This was more than a year ago. Now they won't renew our policy, although we have given VT Mutual thousands of dollars over 20 years. If you are paying the premiums, terminating our insurance is a greedy move. I do not recommend them. I will also be canceling our homeowners insurance.
  

  Vermont Mutual Insurance Group

  Date: 06/20/2024

  Please allow this to serve as a response to the complaint filed with BBB by Ms. ******************** We understand that all accidents are unfortunate. In this specific case,the accident involving **************** son was determined to be at-fault due to her son colliding with a stationary object. As an insurance provider, we must rely on accurate data to assess our exposure to risk and we rely on this data to accurately price our policies. Traffic accident statistics demonstrate that younger drivers are more likely to experience accidents and violations, due in large part to their lack of experience on the road (please note that her son received his licensed in 2023). Because of these facts, the policy is priced to reflect the increase in exposure.
  
  Additionally,in this case specifically, her son was licensed for fewer than 6 months.Combined with an at-fault accident plus a speeding violation, all within the same year, suggests an even higher likelihood of future accidents and/or violations. Unfortunately, due to the increased exposure, our risk analysis has determined that the policy should be non-renewed.
  
  We hope this explanation clarifies our reasoning for the premium increase and non-renewal.

• Review fromChrisJScott

  Date: 03/24/2024

  1 star
  Buyer beware. Our condo association's master insurance policy was with VT Mutual - we've been a paying customer for at least 15 years (if not more) and never filed a claim until last year. Once we did that, they dropped us as quickly as they could.Now, let's think about this: they've been receiving money from us for many years - in sum total, more than our claim (so they've still made a profit off of us). Additionally, let's not forget all those years they we've been sending them money, money they were free to invest with as they see fit, resulting in even more profit.Yet they didn't do something like increase our premium after we filed a claim - they simply dropped us, forcing us to buy replacement insurance at more than TWICE the cost!Moral of the story: look elsewhere because they WILL drop you if you ever need to use the actual service you're investing in.
  

  Vermont Mutual Insurance Group

  Date: 03/25/2024

  Please provide an exact policy number or claim number.  We want to make sure we are looking at the correct number prior to possibly responding.  Thank you kindly. 

• Review fromRichard D

  Date: 02/16/2024

  1 star
  Absolute worst insurance company in the world. They claim this c*** about wards 50 for best safety, consistency, and performance. It is all consumer data and about their own profile ratings, not that of their customers they insure. I purchased a dwelling and within 6 months the septic system failed. I got the lingo about wear tear and deterioration blah blah. Which of course wasn't a fault of my own but they dont care. They then proceeded to tell me that they are in now way responsible to help with coverage of disposing of the septic waste that has compiled in my yard because it wasn't due to one of their sixteen perils. Who gives a c*** what caused it, there is hazardous waste sitting in my yard making it unsafe and detrimental to my children and the company could give two craps. Tell me they care about their customers and their safety but will not help alleviate a huge financial burden in any way possible even at the cost of hazardous materials in near children. They can post about how they donate to other charitable organizations all they want, but essentially they're taking your money and ostracizing you as their client and giving it to others so they can achieve their amazing ratings. This company does not give two craps about any of their clients, except in the aspect that they are paying them.

• Review fromJohn C

  Date: 09/24/2023

  1 star
  Horrendous! Please do yourself a favor and look elsewhere. The arrogant ***** wouldn't even discuss anything with me regarding my claim (that I ended up cancelling, because as I explained to them, a contractor that was hired to install turbine vents on ******* was trying to drill up business by pulling up a few shingles on my house and then telling me I needed the roof replacement and tried to get the job). Truth is, the roof is not in bad shape, so I had those missing shingles replaced and paid out of pocket. Again, I never got paid for the claims because I cancelled the claim after I figured out what was going on. Then Vermont Mutual raised my HOI by about $200 per month and said they would not renew. Needless to say, I immediately changed HOI companies. They're not getting another cent from me, and I advice you to also not give them your hard earned money.