Probably because the dollar amount of your damage was less than your deductible.I have Millville Mutual on my one cabin. $91/qtr on a 50K policy. I have Foremost on the other one and are about worthless. Had a claim from a lightning strike and they wouldn't cover anything.
I have Millville Mutual as well. No problems with not having central heating system. I checked with Erie (since my home and auto was with them), and they wouldn't cover it because my primary source of heat was not controlled with a thermostat, and it is a pellet stove.Check out Millville Mutal insurance. They protect a lot of season homes and the pricing is extremely reasonable.