Progressive Insurance Company

300 North Commons Blvd., Mayfield Village, Ohio 44143

 

 

Date: August 22, 2025

 

Colleen Degraw

347 South Will Brook Drive

Woodfin, NC 28804

 

Re: Homeowners Insurance Premium Adjustment

 

Dear Ms. Degraw,

 

Progressive Insurance Company is committed to providing fair and accurate premiums that reflect the individual characteristics of each insured property. Based on an independent comprehensive survey conducted by the Homeowner Premium Advocates of North Carolina, we have determined that a reduction in your annual homeowners insurance premium is appropriate.

 

Effective with your next renewal, your annual premium will be reduced by 15.2%. This adjustment is justified by improvements and factors outlined in the survey, including:

 

• Age and condition of your roof (New roof installed April 9th, 2023)

• Upgraded plumbing throughout the home, including the basement (2022)

• Upgraded HVAC system (2022)

• Installation of solar panels on the lower deck roof (2023)

• Enhanced security system with detection for smoke, fire, radon, and water leaks (Installed smart security system 2024)

• Proximity to a fire hydrant  (287 measured feet)

• Number of neighboring homes visible from your property (13 homes)

 

These updates and risk-reducing measures have been recognized as contributing to the safety, sustainability, and insurability of your home.

 

On behalf of Progressive Insurance Company, we thank you for being a loyal and valued customer. We are proud to continue serving your insurance needs and look forward to supporting you in the future.

 

Sincerely,

Katherine Mossberg

Progressive Insurance Company

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Amica Insurance Company

Corporate Headquarters

100 Amica Way

Lincoln, RI 02865

 

 

August 11, 2025

 

Oscar Druid

204 Poppy Lane

Asheville, NC 28803

 

Dear Mr. Druid,

 

I hope this letter finds you well. I am writing to inform you of a recent review conducted by our independent partner, Homeowner Premium Advocates of North Carolina, which has led to a positive update regarding your homeowners' insurance policy with Amica.

 

Based on the comprehensive survey results, we are pleased to inform you that we have determined a 17.3% reduction in your annual homeowners' insurance premium. This adjustment is based on several factors that were highlighted in the survey, including the following:

 

The excellent condition of your roof which significantly reduces the risk of damage from weather-related events.

 

The recent upgrades to your plumbing system ensure that potential water damage risks are minimized.

 

The upgraded HVAC system which enhances the overall safety and efficiency of your home.

 

Your newly installed security system, which now detects smoke, fire, radon, and water leaks, provides a comprehensive safety net for your property.

 

The proximity of your home to a nearby fire hydrant improves fire-fighting response times.

 

The number of homes visible from your property which is a contributing factor to the safety and security of your area.

 

We truly value your commitment as a loyal Amica customer, and we want to ensure that your coverage continues to reflect the steps you’ve taken to maintain and improve the safety of your home.

 

If you have any questions or if you'd like to discuss further details about this adjustment, please don’t hesitate to reach out to your dedicated Amica representative.

 

Thank you once again for choosing Amica Insurance. We appreciate your trust in us and look forward to continuing to serve your needs.

 

Warm regards,

Naomi Wathers

Customer Relations Department

Amica Insurance Company

1-800-242-6422

www.amica.com

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