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Public Adjusters In Providence, Rhode Island That Work For YOU!
100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!
*Not All Services Available In All Areas.
Don't Settle For Less!
Get The HIGHEST & Most FAIR Settlement Amount, That You Are Legally Entitled To, From Your Insurance Claim!
Get a free on-site inspection & insurance policy evaluation from one of our expert public claims adjusters!
Work with highly trained & verified Providence public adjusters who are state-licensed, bonded, and trained to handle all residential or commercial insurance claims, big or small!
Public Claims Adjusters Network (PCAN) member public adjusters in Providence, Rhode Island offer technical and detailed expertise that has satisfied countless homeowners, business owners, condominium associations, property management companies, and HOAs.
Our network members have years of experience dealing with insurance companies. Many of our network’s public adjusters also have previous backgrounds in construction and/or insurance, giving them a significant advantage in quickly securing the highest claim settlement compensation for their clients.
They know what to look for, what repairs actually cost, and what the insurance company’s adjusters tend to ignore (and hope you don’t know about!).
Consultations are always:
- Friendly
- Free
- No-Obligation
- 100% contingency-based In Nearly Every State
… meaning your public adjuster doesn’t get paid, unless you get paid!*
Public Claims Adjusters Network (PCAN) public adjusters take pride in providing superior customer service, and clear & friendly communication. Please fill out our contact form to schedule a no-obligation consultation with one of our network’s licensed & verified Rhode Island public claims adjusters today!
*Some Services Not Available In All Areas. Contingency Fee Not Permitted By Law In Lousianna. By law, services in Kansas are only available for commercial claims.
Request Your No-Obligation Consultation With a PCAN-Verified Member Public Adjuster Today!
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*Some Services May Not Be Available In All Areas. Public Claims Adjusters Network (PCAN) is not a Public Adjusting Agency. PCAN is a private network of stringently vetted, state-licensed, bonded, and PCAN Verified Public Adjusters with members Nationwide. Your contact request will be matched to one of our verified member public adjusters serving the Providence community, to ensure the highest quality of service & care.
Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!
Contingency Based. We don’t get paid, unless you get paid!
*Contingency fees not permitted by law in Louisiana.
Why Hire A Public Claims Adjuster In Providence Rhode Island?
Providence Public Adjusters Help Get You The HIGHEST & Most Fair Settlement Amount (That You Are Legally Entitled To) From Your Homeowners, Roofing, Condo & HOA, & Business Insurance Claims!
Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert public adjusters Members Today!
- Save You Time & Help Speed Up The Claim Process
- Help Alleviate Stress & Walk You Through The Whole Process
- Negotiate With The Insurance Company & Make Sure You Get The Highest Settlement Possible*
- Prepare & File All The Necessary Documents, And Handle All The Necessary Follow-up's
*Some Services Not Available In All Areas.
What Our Network Of Licensed Providence Public Insurance Adjusters Bring To The Table
Insurance Policy & Claims Specialists For Providence Residents
PCAN member public insurance adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements you may experience when dealing with your claim in Providence, Rhode Island. Their expertise allows them to find & utalize the various coverages your policy may have, and in many cases, inform you of coverage & clauses you may not even know about.
Advocates For Homeowners, Businesses, & HOA's In Providence, Rhode Island
PCAN member public insurance claims adjusters advocate for your rights as the policy holder. They ensure that the clients’ rights are being protected throughout the claims process, and make sure you get all the benefits you are entitled to based on your policy. Public adjusters are there with you every step of the way!
Experts In Seen & Unseen Damages For Providence Homeowners Insurance Claims
PCAN member public insurance claims adjusters in Providence, Rhode Island have years of experience identifying damage, and in most cases, come from professional construction, roofing, and insurance backgrounds. As such, they are able to find & isolate damages that you may not even know to look for, or know would/should be covered by your policy! They also incorporate the latest assessment techniques & technology when conducting their property inspections.
Expert Providence Damage Claim Negotiators
Settlement negotiation is critically important when it comes to the claims process. Public adjusters in Providence, Rhode Island know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public claims adjusters have the expertise and experience in claims negotiations to ensure that you get what you are actually entitled to under your policy ... not what the insurance company tells you that you are, based on their own interests. When the insurance company plays hardball or puts up a fight, your public adjuster won't be afraid to get in that ring and fight them for what's rightfully yours!
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Frequently Asked Questions (FAQ) About Providence Rhode Island Public Adjusting
What Is A Public Claims Adjuster In Providence & What Do They Do?
Providence Public adjusters are licensed insurance professionals who independently defend policy holders throughout the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA) the professionals serve as advocates for homeowners to ensure that their interests are protected in working with insurance companies..
The function of public adjusters has become more important in recent years, especially since insurance claims become more complex. A landmark study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA) discovered that policyholders who employed public adjusters received settlements up to 800% more than those who handled claims independently.
Public adjusters provide comprehensive services throughout the claims process. They conduct thorough assessments of the damages, and prepare and file the necessary documentation, and manage all communication with insurance companies. This type of support from licensed professionals, significantly reduces the time and stress involved with filing claims and allows policyholders owners to focus on recovering.
Based primarily on a contingency fee basis which typically range from 10% to 20 percent of the final settlement, public adjusters are paid to ensure the maximum possible settlement for their clients. The fee structure differs based on claim complexity as well as state regulations and required resources.
These professionals possess vast understanding of insurance policies, building codes, and costs for construction. They apply this knowledge to:
- Accelerate the claims process
- Document and assess the extent of damages
- Navigate complex policy language
- Directly negotiate with insurance companies
- Ensure compliance with deadlines for filing and additional policy requirements
Research has clearly shown that professional representation during the process of settling claims often leads to more comprehensive settlements and quicker claim resolution times. Public adjusters’ understanding of insurance regulations and industry practices can help avoid common pitfalls that could otherwise delay or diminish claim settlements.
Related Story: Are Public Insurance Claims Adjusters Worth It?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
Will My Settlement Be Larger If I Hire A Providence Public Adjusting Company?
Industry research and industry analysis show that hiring a public insurance adjuster can dramatically increase policyholder settlements for claims. According to a landmark study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who utilized public adjusters received settlements up to 800% more that those who managed claims independently.
Public adjusters in Providence, Rhode Island serve as licensed professionals who exclusively represent policyholders throughout the claim process. The National Association of Public Insurance Adjusters (NAPIA) reports that these state-licensed professionals offer comprehensive claim management services, which include detailed documents for property damage and interpretation of policies and settlement negotiations with insurance carriers.
The value of representation by a professional becomes particularly evident in the final settlement figures, as professionally managed claims usually result in more thorough damage assessments and more accurate estimates of losses.
Public adjusters streamline the claims process by:
- Managing all documentation and correspondence with insurance companies
- Conducting thorough assessments of property damage
- Preparing comprehensive claim submissions
- Directly negotiating with insurance companies
- Accelerating the settlement timeline
- Ensuring compliance with the policy guidelines and deadlines
Most public adjusters work on the contingency fee basis, that typically range between 10% and 20% of the final settlement amount. The structure of the fee aligns adjuster’s interests with the interests of the policyholder, since their compensation is contingent on securing a favorable settlement agreement.
A Public adjuster’s expertise often is invaluable in complicated claims scenarios, where technical knowledge of building codes, construction costs, & insurance policy provisions can have a significant impact on settlement outcomes.
Their expert oversight ensure no damaged claims are left unnoticed and ensures that claims are properly valued according to the current market conditions.
Related Story: When Should You Hire A Public Insurance Adjuster?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
How Much Do Providence Public Adjusters Near Me Charge?
Public adjusters typically operate on a contingency fee basis, charging between 10% to 20% of the final insurance claim settlement. According to the National Association of Public Insurance Adjusters (NAPIA), these fees vary based on claim complexity, state regulations, and required resources. The contingency fee structure ensures that public adjusters’ interests align directly with those of their clients, as their compensation depends on securing favorable settlements.
Before engagement, policyholders should carefully review fee arrangements and contract terms, ensuring clear understanding of the service agreement. According to the Insurance Information Institute (III), public adjusters must maintain state licenses and adhere to strict professional standards, providing an additional layer of consumer protection. Their role becomes particularly valuable in complex claims where specialized knowledge can significantly impact settlement outcomes.
A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) demonstrated that policyholders who engaged public adjusters received settlements up to 800% higher than those who handled claims independently. This significant difference underscores the value these professionals bring to the claims process.
Related Story:How Does A Public Claims Adjuster Work?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Should You Hire A Public Claims Adjuster In Providence, Rhode Island?
Complex insurance claims typically require professional expertise to navigate effectively. Public insurance adjusters, state-licensed professionals who work exclusively on behalf of policyholders, can significantly impact claim outcomes and settlement amount.
There are a variety of scenarios that need a public adjuster:
- Extensive property damage
- Claims that involve multiple types of coverage
- Disputed claims or partial claim denials
- Complex documentation requirements
- Situations that are time-sensitive and require immediate attention
Public adjusters streamline the claims process by:
- Conducting comprehensive damage assessments
- Preparing and filing the necessary documentation
- Communication with insurance companies
- Settlement negotiations on behalf of the policyholders
- Ensuring compliance with policy guidelines and deadlines
Public adjusters particularly benefit policyholders by:
- Stress reduction by utilizing expert claim management
- Accelerating the settlement process
- Offering independent damage assessment
- Ensuring comprehensive documentation
- Utilizing industry-specific expertise to ensure fair settlements
Related Story:Are Public Claims Adjusters Legitimate?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Is It Too Late To Hire A Public Adjuster Near Me In Providence?
Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a Rhode Island public adjuster can significantly impact claim outcomes and settlement amounts. According to the National Association of Public Insurance Adjusters (NAPIA), policyholders can benefit from hiring a public adjuster at any point during an active claim, though earlier engagement typically yields better results.
Key timing considerations include:
Statute of Limitations:
- Each state maintains different deadlines for filing insurance claims
- Claims must be initiated within these legal timeframes
- Public adjusters can assist with existing claims, even if initially filed independently
Documentation Requirements:
- Public adjusters help organize and prepare comprehensive claim documentation
- They can recover or reconstruct missing documentation
- Professional documentation improves claim validity and settlement potential
Claim Status:
- Active claims benefit from professional representation
- Denied claims may be reopened with proper documentation
- Disputed settlements can be renegotiated
Public adjusters provide valuable services throughout the claims process Including:
- Expedited claim processing through professional management
- Expert negotiation with insurance carriers
- Complete documentation preparation and submission
- Regular communication with insurance companies
- Stress reduction through professional claim handling
- Maximum settlement potential through experienced representation
Related Story:Common Public Insurance Claims Adjuster Pitfalls & How To Avoid Them
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
Why hire a Public Adjuster In Providence if your insurance company already sent an adjuster?
The decision to hire a state-licensed public claims adjuster, even if an insurance company has appointed its own adjuster, could greatly affect the final result of an insurance claim.
Although insurance company adjusters work for their employer’s interests … public claims adjusters In Providence, Rhode Island serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) highlights that these state-licensed & regulated professionals operate independently to ensure fair settlement of claims and a thorough policies are interpreted.
Public adjusters streamline the claims process by coordinating the documentation as well as conducting thorough assessment of the damage, and handling all communication with insurance companies. This professional intervention typically speeds up the resolution of claims and eases homeowners administrative burdens.
The importance of public adjusters also goes beyond financial benefits. These professionals offer professional guidance during the claim process, guiding clients through complicated policy terms and making sure that the damage is documented and assessed.
They prepare specific damage estimates, gather the necessary evidence, and deal directly with insurance carriers for the highest settlement outcome.
The process of settling insurance claims is complex and time-consuming, making professional representation valuable during significant losses. Public adjusters’ expertise in negotiation and interpretation of policies usually results in more comprehensive settlements that account for the obvious as well as hidden losses.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
Related Story:How Do Public Adjusters Get Paid And Who Pays Them?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Can I File My Insurance Claim Myself In Providence, Rhode Island?
While policyholders have the right to file insurance claims on their own, data from experts in the industry suggest this method may not produce optimal results.
Key challenges of self-filing include:
- Complex documentation requirements and policy interpretation
- Time-intensive communication with insurance representatives
- Risk of overlooking covered damages or benefits
- Potential undervaluation of claims by insurance companies
- Limited-to-zero negotiation experience with insurers
Licensed public adjusters have important advantages to the claim process:
-
- Professional Documentation and Assessment – Public adjusters thoroughly document damages, prepare comprehensive claim files, and manage all paperwork required, making sure nothing is overlooked.
- Time and Stress Management – These professionals manage all communication with insurance companies and homeowners can concentrate on recovery while speeding the process of submitting claims.
- Expert Negotiation – With extensive knowledge of regulations and rules governing insurance policies, public adjusters engage directly with insurance companies to secure fair settlements.
- Cost-Effective Service – Public adjusters typically work on a contingency fee basis, typically ranging from 10 to 20% of the final settlement amount, ensuring alignment with the policyholder’s interests.
The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent the interests of policyholders throughout the process of settling claims. Their expertise can be particularly useful in complex claims or when significant damages are involved.
Statistics from the industry demonstrate that professional representation by state-licensed public insurance adjusters leads to better outcomes for policyholders, with faster processing, and more complete settlement packages.
Related Story:How Much Do Public Insurance Claims Adjusters Charge: Fees & Costs
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
In Providence, Can My Contractor Represent Me Against My Insurance Company?
While contractors often offer to negotiate with insurers, this method can come with some significant risks and limitations. According to the National Association of Insurance Commissioners (NAIC), contractors lack the legal authority and know-how to serve as representative for insurers in claim negotiations.
This restriction could significantly impact the outcome of a case and could limit your rights as a owner of the policy.
The state insurance departments oversee licensed public adjusters, who undergo intensive specialized training, have to pass Federal background checks, & require specialized licenses from the state before they can operate. They also are legally authorized to act on behalf of the policyholder in order to protect and defend their rights … legal authority that contractors don’t have … which makes them the legal alternative to the representation of contractors.
Public Adjusters are experts in interpreting insurance policies, assessing and documenting damage, and working with insurance companies in order to secure fair and equitable settlements.
Public adjusters provide several distinct advantages, which include:
- Specialist claim documents and filing
- Professional negotiation with insurance carriers
- Comprehensive damage assessment
- Expedited claim processing
- Stress reduction by a complete claim management
The National Association of Public Insurance Adjusters (NAPIA) emphasizes the fact that public claims adjusters must maintain professional licenses and adhere to strict ethical standards. This provides the additional level of consumer protection that is not offered by contractors.
For more complex claims for complex claims, adjusters are experts in the interpretation of policies, documentation requirements and negotiation strategies frequently proves invaluable, potentially preventing costly errors and denials of claims that could arise from contractor-led negotiations.
Related Story:When Is It Too Late To Hire A Public Insurance Claims Adjuster?
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
I Already Settled My Claim, But It Wasn’t Enough Money To Cover The Damages. Is It Too Late To Try To Get More Money?
When insurance settlements fail to pay for property damage, policyholders retain several legal options to seek further compensation following the initial settlement of their claim.
According to the National Association of Insurance Commissioners (NAIC), NAIC recommends that policyholders be sure to carefully review their settlement terms and related documents prior to accepting the final settlement.
The timing and the circumstances for pursuing additional compensation are critical aspects, as the majority of insurance policies contain specific timeframes for dispute resolution and appeals, generally ranging from one to two years following the settlement date.
Licensed public insurance adjusters are essential in re-evaluating settled claims and identifying previously missed damages. Public adjusters carry out thorough property assessments, document any additional damages, and deal with insurance companies for policyholders.
Key steps for pursuing additional compensation are:
- Document newly discovered damages
- Review policy terms and settlement agreements
- Gather supporting evidence and estimates
- Think about professional representation from a state-licensed public insurance claims adjusters
The National Association of Public Insurance Adjusters (NAPIA) insists that public adjusters can often identify overlooked damages and policy provisions that allow for the need for additional compensation. Their expertise in the interpretation of policies and claim valuation proves particularly valuable in defending claims that have already been settled.
Policyholders should take action immediately after discovering inadequate settlement amounts, as a delay can compromise their ability to recover additional compensation. When utilizing a PCAN member Public Insurance Claim Adjuster, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Can My Insurance Company Cancel My Contract If I Use a Public Adjuster In Providence, Rhode Island?
No. Insurance companies cannot legally cancel policies solely because policyholders hire public adjusters to represent their interests during the claims process, according to the National Association of Insurance Commissioners (NAIC). Policy cancellations are strictly governed by contractual terms and state regulations, typically limited to specific circumstances such as non-payment of premiums or material misrepresentation.
The National Association of Public Insurance Adjusters (NAPIA) emphasizes that hiring a licensed public insurance claims adjusters is a protected right of policyholders. These professionals serve as advocates during insurance claims, handling documentation, negotiations, and communications with insurance carriers to expedite settlements.
The Insurance Information Institute (III) confirms that policyholders maintain the right to professional representation during claims processes, and insurers must honor this right while adhering to fair claims handling practices.
Related:Public Insurance Adjusting Resources & Guides
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
The Homeowners Insurance Claims Recovery Process In Providence, Rhode Island
Rhode Island state-licensed public adjusters are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while they fight to make sure you get the highest & most fair compensation possible for your claim!
View 7-Step Claims Recovery Process Map
(Click To Expand Infographic)
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
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- Black Mold
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- CA
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- Commercial Property Damage
- Condo Association
- Contractors
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- Earthquake Damage
- Fire Damage
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- Foundation Damage
- Hail
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- Homeowners Association
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- Lightning
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- Sewer Lines
- Sinkhole Damage
- Slab Leak
- Solar Panels
- Storm Damage
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- Structural Damage
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- Tornado
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Mitigation 
Ceiling Damage 
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Denied Insurance Claims 
Structural Damage 
A glossary of insurance terms provides insight to policyholders of critical terms and definitions commonly used to clarify various aspects of coverage and claims.
Key concepts include such terms as Actual Cash Value (ACV) Vs. Replacement Value, a method for determining compensation based on replacement costs minus depreciation, and ALE Coverage, which cover necessary living costs when a home is uninhabitable.
For example, understanding your home insurance declaration page, common homeowners insurance claim deductibles for various kinds of home damage, the general policy exclusions standard in many home insurance policies, can bring much-needed awareness & clarity to policyholders of potential common insurance terms that may affect their claim outcomes. For example, knowing which key documents (such as photographs and receipts) are essential for substantiating claims.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
More About Providence, Rhode Island
Providence | |
|---|---|
Downtown Providence skyline Weybosset Street | |
 Flag  Seal | |
| Nickname(s): The Creative Capital, the Renaissance City, the Divine City, PVD, Prov | |
| Motto: “What Cheer?” | |
 Location in Providence County & the state of Rhode Island | |
  Providence Location in the United States | |
| Coordinates: 41°49′25″N 71°25′20″W / 41.82361°N 71.42222°W | |
| Country | United States |
| State | Rhode Island |
| County | Providence |
| Region | New England |
| Settled | 1636 |
| Incorporated (city) | November 5, 1832 |
| Founded by | Roger Williams |
| Named for | Divine providence |
| Government | |
| • Type | Mayor–council |
| • Body | Providence City Council |
| • Mayor | Brett Smiley (D) |
| Area | |
| 20.58 sq mi (53.31 km) | |
| • Land | 18.41 sq mi (47.67 km) |
| • Water | 2.18 sq mi (5.64 km) |
| Elevation | 10 ft (3 m) |
| Population (2020) | |
| 190,934 | |
| • Rank | US: 134th |
| • Density | 10,373.47/sq mi (4,005.25/km) |
| • Urban | 1,285,806 (US: 39th) |
| • Urban density | 2,362.5/sq mi (912.2/km) |
| • Metro | 1,676,579 (US: 38th) |
| Demonym | Providentian |
| GDP | |
| • Metro | $105.561 billion (2022) |
| Time zone | UTC−5 (Eastern Time Zone) |
| • Summer (DST) | UTC−4 (EDT) |
| ZIP Codes | 02901–02912, 02918-02919, 02940 |
| Area code | 401 |
| FIPS code | 44-59000 |
| GNIS feature IDs | 1219851 |
| Website | www |
.jpg "Providence 15")
Providence is the capital and most populous city of the U.S. state of Rhode Island. The county seat of Providence County, it is one of the oldest cities in New England, founded in 1636 by Roger Williams, a Reformed Baptist theologian and religious exile from the Massachusetts Bay Colony. He named the area in honor of “God’s merciful Providence” which he believed was responsible for revealing such a haven for him and his followers. The city developed as a busy port, as it is situated at the mouth of the Providence River at the head of Narragansett Bay.
Providence was one of the first cities in the country to industrialize and became noted for its textile manufacturing and subsequent machine tool, jewelry, and silverware industries. Today, the city of Providence is home to eight hospitals and eight institutions of higher learning which have shifted the city’s economy into service industries, though it still retains some manufacturing activity.
At the 2020 census, Providence had a population of 190,934, making it the third-most-populous city in New England after Boston and Worcester, Massachusetts. The Providence metropolitan area, which extends into Massachusetts, is the second largest metropolitan area in New England by a large margin with over 1.6 million residents, nearly 30% larger than metro Hartford.
SourceOur Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.