Red River Mutual Home Insurance Reviews

Put a claim on my leaking roof in my garage, no shingles missing and they tell me I’m not covered through insurance. They said it’s regular maintenance, how would I know there is a problem when there are no shingles missing! I’m switching insurance providers next year!!! Money for nothing, Red River Mutual takes your money and runs !!!

So in the fall of 2017, we had high winds that damaged our property i.e. shingles blown off roof, siding torn off house (2 sides north and east walls), our 33×16 above ground pool picked up, tossed away, damage to roof on garage as well as soffit and facia damage. Our adjuster, came out pretty quickly, I think within 2 or 3 days. Supervisor walked around the house, we all agreed new roofs were needed on both garage and house as well as siding and soffit and facia. Ok, great, so far pretty impressed. Our adjuster told us to get a couple quotes, so we did. We found 2 very reputable companies to come out, we got estimates, both were relatively close in price. Move forward to spring 2018. The adjuster sends a contractor out His estimates. Roughly 1/2 the price and this contractor says he can piece together the shingles, the siding ( which both companies I called said colour was discontinued). My property is very uniform on house garage and 2 outbuildings are shingle-sided very same. So now I'm saying I don't wanna use their small town hillbilly guy. I wanna use reputable company that I researched, read reviews and am comfortable with. The adjuster says "no, can't justify the extra costs", I told him I understood his job was to save his company money, he says no, his job is to settle claims, it has nothing to do with money. This company, in my opinion, is a joke. All I want is for my property to go back to the very beautiful uniform piece of heaven my wife and I had before this wind storm that is what insurance is for - peace of mind. P.S.: did I mention we went to the mfg of the siding and they confirmed they did discontinue the colour of our siding and informed us that even if they had the colour, it would take 4 or 5 yrs for the sun fade to match the rest of the siding. Will update as our claim is still open. Just have a bad experience with this company and if things don't get done to our satisfaction, we will go with another insurance provider