Oil Tank Insurance
Bryan

Hartsdale, NY

#21 Oct 28, 2010
ProGuard is basically a scam. Since they are only a tank warrantee program and not a tank insurance policy, they operate with minimal regulatory oversight and basically make up the rules as they go. They will require you to maintain oil for a minimum of one year after removal of your underground storage tank, they force you to use their own contractors (who act in the best interest of ProGuard and not the homeowner), they charge a fee to come out to your property to witness the tank removal and they do not cover as much as you would think.

They will typically only cover the portion of the property that has been impacted that is above the groundwater table on your property, since groundwater impact or an impact to a neighboring property usually falls under your homeowners insurance policy for 3rd party impacts. They typically will only cover a portion (if any) of the property restoration afterwards. And you can guarantee if they are involved, the remediation will take at least twice as long as if you were only dealing with the homeowners insurance provider..

Also, groundwater fluctuates on a seasonal basis. So letís say that it was determined in September of 2010 that groundwater was at 10 feet and contamination extends from 5 to 15 feet below ground. You would expect the homeowners insurance to pay Ĺ and ProGuard to pay half, right? After playing around with the claim for months , the contractors do not get insurance approval to do the work until October 2010. Now groundwater is at 8 feet (but the contamination still extends to 15 feet).ĖSo ProGuard will claim that they are only responsible for 13% of the cleanup. If the numbers were the other way around, they always pick whichever number is going to give them the lowest amount to pay out.

Depending on your situation with the homeowners insurance company, this could be a big deal. Many homeowners have opted out of additional riders for underground storage tank because they were under the impression that ProGuard would cover the tank. So now homeowners may or may not have coverage or may have partial coverage. Obviously, given this scenario the homeowner would pay a lot more out of pocket for a cleanup. Also, due to the structured way they pay their contractors for clean ups, it is in the best interest to do as little work as possible in order to get the greatest bang for the buck. Some remediationís can end up costing in excess of $100,000 Ė it is just not worth the risk.

I would recommend avoiding Procured at all costs and maintaining any and all homeowners policies to include the insuring of your Underground Oil Tank until which time you can remove the underground storage tank and replace with an above ground tank or covert to natural gas heat.
GWS Contractors

Woodbridge, NJ

#22 Dec 10, 2010
GWS is a great company backed by insurance such as Allstate. We work with Geologists and our own masons and carpenters for full remediation. Mention you know AJ. You will be very grateful and more. I promise
gale p

Columbus, OH

#23 Dec 10, 2010
Finally out from under Pro Guard's Hammer!
After 5 years of trying to figure out how to get rid of oil (underground tank) and convert to gas I found a solution! Proguard will not let you remove, fill or abandon your existing tank without first putting in an aboveground tank, hooking it up and using it to heat your house. Because if you do switch to gas heat and abandon, fill or remove the oil tank, they will NOT cover you for any damage to the earth found under or around the tank when you do remove it. A real catch 22. what in the hell was the point of paying over $1000 in insurance to them for the past 5 years??

And to add insult to injury you have to give them $500 up front to send a man out to watch the tank removal. Burdensome, devious Proguard. well guess what! I was finally able to flip them the bird. New JErsey Manufacturer's home insurance gave me a $100 yearly policy (NOT $260 like Proguard) and they don't care if I shut off the oil and install a gas furnace. which is exactly what I did. bye bye oil dealers - bye bye ProGuard.
sarah

Waterloo, Canada

#24 Dec 13, 2010
Dona wrote:
I have an above ground oil tank. Does anyone know of any oil companies that also offer tank insurance/remediation services?

Call ProGuard for aboveground tank protection.
888-354-0677
why do you need insurance

Dublin, OH

#25 Dec 13, 2010
with an above ground tank? not clear why you need insurance. just have your oil company maintain the tank and inspect it once a year. for sure, if it was leaking, you would know about it when it happens. underground tanks are a whole other issue. try your homeowner's insurance company if you feel you really need it.
Dan

Point Pleasant Beach, NJ

#26 Dec 14, 2010
ProGurad currently has 12 lawsuit against them in NJ alone. They continually over promise and under deliver. If you are a Home owner on the East Coast and you have an AST (above-ground Storage Tank)check with your local dealer about the TankSure Program. It is the only Tank program that preforms an ultra sonic test on your tank to monitor the degradation. www.tanksure.com . The program will also allow you to make a proactive replacement. you will receive a $1000 towards the replacement of your tank.
Lilia

Provo, UT

#27 Jan 13, 2011
It would be awesome to get insurance on something, that'd really save you money on environmental cleanup, should an accident occur.http://www.mcraessuperva c.ca/
Industry worker

Somerset, NJ

#28 Feb 4, 2011
ProGuard wrote:
Silica:
Iím sorry thatís how you feel about ProGuard. All on-site adjusters are required to take photographs before and after the tank removal without exception. If oil had to be transferred, most likely the adjuster left and later returned once the tank was ready for removal. You may have only seen him leave.
In any case, you still received the benefit of being protected by ProGuard which pays for environmental cleanup up to $100,000 and provides reimbursement towards a new tank. Thatís a huge burden to have off your shoulders!
Itís nice to hear that you were pleased with the contractorís work! If you need anymore information about ProGuard just visit: http://www.powderhornagency.com/ProGuard.html
"Benefit of being protected by Proguard" - Are you f'n kidding me? Your company is evil. You take advantage of people when they are most vulnerable. You sell tank insurance - & if the tank leaks you should pay, however this is rarely the case. All Proguard does is nickel & dime the homeowner's insurance company, while completely screwing over the contractor they hired to clean up the mess. If the liability of insuring a tank is too high for you then why do it all? Just bow out. Its better than telling people they are covered & then skirt your way out of the responsibility. Honestly I cannot believe you've been in business this long. I wish nothing but the worst for you & your shitty company.
Ansliej

Douglassville, PA

#29 Mar 25, 2011
joe Newark NJ wrote:
Does anyone know whether ProGuard is owned by a major oil distributor? Does anyone think the oil industry and the oil tank insurers have a conflict of interest whereby insurance is granted without adequate testing to give the consumer a false sense of security?
we have them now. They are an insurance company only. We are trying to find a new company at this time.
We are having our inground tank pulled and an above ground put in.

Our policy is renewed on 4/1/2011 and the tank was scheduled to be removed on 4/4/2011. They were going to charge us the whole years worth of insurance ($270). So now we moved the removal up and will look for a new insurance company.
Kevin O

Dumont, NJ

#30 Apr 25, 2011
Dan wrote:
ProGurad currently has 12 lawsuit against them in NJ alone. They continually over promise and under deliver. If you are a Home owner on the East Coast and you have an AST (above-ground Storage Tank)check with your local dealer about the TankSure Program. It is the only Tank program that preforms an ultra sonic test on your tank to monitor the degradation. www.tanksure.com . The program will also allow you to make a proactive replacement. you will receive a $1000 towards the replacement of your tank.
I would be interested in hearing from anyone who feels they've been ripped off by ProGuard. The warranty document is ambiguous about whether they will pay for a cleanup when you convert to gas and, although its not insurance, it should be construed against it as the drafter, particularly since it locks people into staying with oil, which is unconscionable and a contract of adhesion. Anyone who feels they have been deceived by this warranty, please email me.
Martha

Sparta, NJ

#31 May 16, 2011
Does anyone know where I can get tank insurance for a mobile home? Besides Tank-EZ no one else will cover it because I do not own the land. Tank EZ does not work with my oil company and I have a contract. I am required to have it in my mobile home park. I tried Progard and they will not cover third party anymore. Please help
Joan T

Morristown, NJ

#32 Aug 17, 2011
gale p wrote:
Finally out from under Pro Guard's Hammer!
After 5 years of trying to figure out how to get rid of oil (underground tank) and convert to gas I found a solution! Proguard will not let you remove, fill or abandon your existing tank without first putting in an aboveground tank, hooking it up and using it to heat your house. Because if you do switch to gas heat and abandon, fill or remove the oil tank, they will NOT cover you for any damage to the earth found under or around the tank when you do remove it. A real catch 22. what in the hell was the point of paying over $1000 in insurance to them for the past 5 years??
And to add insult to injury you have to give them $500 up front to send a man out to watch the tank removal. Burdensome, devious Proguard. well guess what! I was finally able to flip them the bird. New JErsey Manufacturer's home insurance gave me a $100 yearly policy (NOT $260 like Proguard) and they don't care if I shut off the oil and install a gas furnace. which is exactly what I did. bye bye oil dealers - bye bye ProGuard.
Gale, I just saw this thread about oil tanks. i know it's from 2010, but I hope you'll see this and answer. Are you living in NJ or Ohio? I want to convert to gas as you did. I live in NJ, so I'm curious if you had NJ Manufacturer's home owners insurance for many years and they were just willing to add the $100 yearly policy on to your existing policy. I'm not insured by them & my homeowner's policy won't cover oil tanks, but I would have no problem switching NJ mfr's if they'd cover me. My guess is that you were grandfathered in.
Nancy

Piscataway, NJ

#33 Sep 9, 2011
Ansliej wrote:
<quoted text>
we have them now. They are an insurance company only. We are trying to find a new company at this time.
We are having our inground tank pulled and an above ground put in.
Our policy is renewed on 4/1/2011 and the tank was scheduled to be removed on 4/4/2011. They were going to charge us the whole years worth of insurance ($270). So now we moved the removal up and will look for a new insurance company.
Hi,
I saw that you have or had progaurd insurance and would like to know who you switch to. I live in springfield,nj and after reading all the reviews i thought to switch before my insurance expires.I have an underground tank now. Thanks
Nancy

Piscataway, NJ

#34 Sep 9, 2011
Hi,
I saw that you have or had progaurd insurance and would like to know who you switch to. I live in springfield,nj and after reading all the reviews i thought to switch before my insurance expires.I have an underground tank now. Thanks
Gale

New Milford, NJ

#35 Sep 10, 2011
To Joan T - in response to your August questions.(I just got notification that you wrote :() I was an NJM customer for 5 yrs for my home (I work for a NJ MFR) I live in Union. They are a wonderful company and I have home, auto and oil tank insurance with them. Initially I started with just homeowners' You need to work for a NJ company that NJM verifies. Just call them, they are wonderful at customer service too. you will get a real person who does not read from a script. and they always do what they say they will with followup. I have been using gas for a year now and will have my oil tank pulled in the springtime. I breathe a lot easier now not worrying about dealing with the Proguard skanks.
And I can never forgive Simone Brothers oil company for refusing to come and put in 50-75 gallons in March 2010 to get me thru a few days of very cold weather. They knew I was going to pull the tank and didn't want to just supply me with ONLY fifty gallons to get me thru the cold days, so I had to sit for a week with electric heaters in my house because the oil tank level was too low to burn the oil without fear of fumes) all that after being a good customer for five years,and, to add insult to injury,the previous March they made an unscheduled visit to my house and put in hundreds of gallons of oil just before the warm weather, which then sat unused til the following October. So I had to pay out a lot of money and wait another year til I could get the level down on the oil tank and shut it down. Now the noisy oil burner is gone out of my basement, I actually gained about 4 more feet of space. I cannot understand why the state of NJ has not gone after Proguard, be sure to read the fine print carefully, when they send you the renewal policy, they change the terms in the fine print but don't let you know that they did so, leading you to believe the policy is the same as when you bought it. very sneaky. I hope you haven't experienced flooding from Hurricane Irene. Good Luck.
Marie M

Brooklyn, NY

#36 Nov 25, 2011
galegrafix wrote:
Proguard Oil Tank "Insurance" is false. You cannot believe the catch 22 they force upon you. 1. You have an oil tank in the ground and you want to have it scrubbed and removed and documented. You want to switch to gas heat. well guess what?? After paying Proguard $245 a year for "protection" they require the following, which to me, appears to be a conflict of interest. 1. you call Proguard to notify them that you are removing the tank. 2. you pay proguard $500 for one person to watch the tank removal ($500!!). 3. BEFORE you can even remove the old tank, you MUST MUST MUST install a new oil tank, either above or below ground, and have it hooked up and filled and then and only then will they let you pull the tank with their overpaid inspector on site. I am absolutely apalled at this process. I wanted to do the righ thing and pull the tank but wanted to switch to gas heat. So now, I cannot do so with out paying the extortionary rate of $500 plus buying a new aboveground oil tank plus more oil. I can't believe the state of NJ hasn't gone after these people for this. So..for example..let's say... If I bought a car insurance policy through say toyota, the only way they'd cover replacing a totalled car would be if I bought another toyota??? isn't that bizarre! I am totally pissed at these people for the misrepresentation by them and their oil dealer. what should it matter to them that I buy another oil tank and fill it up BEFORE i remove my old tank. what should it matter to them, what business is it of theirs that I choose to switch to gas heat?
They should only be concerned about if there is an oil leak or not, then they should do the right thing and keep their commitment to paying for the cleanup if there is. This is absolute blackmail... I feel so cornered in by this situation I could scream.
I am now being "blackmailed" as well into continuing with oil, when I really want to switch to gas. Were you able to resolve the matter in a different way or did you have to bite the bullet and continue with oil? I foresee being forced to buy an above ground oil tank, pay to have it installed and filled, then pay to have it removed a year later... in addition to paying to remove the old underground tank. Thousands of dollars wasted. And this blackmail is legal. Makes me sick!
rich

United States

#37 Nov 28, 2011
tank easy wanted $507 to insure a 550 gallon underground tank. Is that a lot? Is proguard cheaper?

Since: Nov 11

Newtown, CT

#38 Nov 29, 2011
Boston Environmental does not cover oil cleanup... they just give you $1,000 towards a new oil tank if the old one leaks.

Since: Nov 11

Newtown, CT

#39 Nov 29, 2011
BTW... I have ProGuard and there's no "Catch-22." It expressly states in their sign-up literature what is required when removing a tank. Should come as no surprise.

If you do your homework, you know exactly what you're getting into. I did and it's working out just fine.
BobH

Edison, NJ

#40 Jan 29, 2012
Anyone know the minimum capacity oil tank and dimensions available for above ground inside installation?

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