What to Do After a House Fire in Rhode Island: The Only Online Guide for RI Homeowners
Written By: Louis Swan, Fire Recovery Advisor
Updated: Feb 3rd, 2026
Fact-Checked: Erik Russo, Certified Fire Restoration Specialist
Updated: Feb 3rd, 2026
House fires in Rhode Island cause 1,600 annually in property damage and displace thousands of families each year. Rhode Island homeowners must file proof of loss within 60 days under RI Insurance Code requirements. The Department of Business Regulation, Insurance Division regulates all fire insurance claims in Rhode Island, enforcing 40-day response deadlines for insurers. Rhode Island law provides 10 years to file lawsuits against insurers who deny valid claims. The Office of the State Fire Marshal determines when fire-damaged properties in Providence and throughout Rhode Island are safe for re-entry. Dense urban areas in Providence have 12-minute average fire response but rapid multi-structure spread risk. Average home values in Rhode Island reach $400,000, making proper insurance claim documentation essential for full recovery.
Important Takeaways:
| Rhode Island Fire Recovery Requirement | Deadline/Timeframe | Governing Entity |
|---|---|---|
| Proof of Loss Submission | 60 days from fire date | Department of Business Regulation, Insurance Division |
| Insurance Company Response | 40 days maximum | Rhode Island Insurance Code |
| Lawsuit Filing Deadline | 10 years from denial | Rhode Island Superior Court |
| ALE Coverage Duration | 12-24 months typical | Homeowner Policy Terms |
| Property Safety Clearance | 24-72 hours | Office of the State Fire Marshal |
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Disclaimer: Any estimates, tools, calculators, quizzes, guides, or educational content provided by House Fire Solutions are for informational purposes only. Results are not guarantees, offers, or professional opinions. Actual insurance payouts, restoration costs, timelines, and outcomes vary based on policy language, coverage limits, property conditions, local regulations, contractors, and insurer practices. Homeowners are solely responsible for verifying all information and making their own decisions. House Fire Solutions does not provide legal advice, insurance advice, or claims representation. Homeowners should independently verify information and consult qualified professionals before taking action.
Immediate Safety Actions After a Rhode Island House Fire
The Office of the State Fire Marshal issues safety clearance for fire-damaged properties in Rhode Island. Structural damage poses collapse risk that requires professional engineering assessment. Toxic fumes from burned synthetic materials cause respiratory hazards lasting 48-72 hours after flames are extinguished. Rhode Island's humid continental climate accelerates secondary damage—water from firefighting efforts creates mold growth within 24-48 hours in New England humidity levels. The Office of the State Fire Marshal at https://fire-marshal.ri.gov/ schedules inspections within 24-72 hours for Providence and surrounding Rhode Island communities. Board-up services from Rhode Island-licensed contractors prevent vandalism, weather intrusion, and premises liability claims averaging $50,000-150,000 in Rhode Island courts.
| Safety Priority | Rhode Island Authority/Contact | Required Timeline |
|---|---|---|
| Property clearance inspection | Office of the State Fire Marshal | 24-72 hours post-fire |
| Gas line shutoff verification | Rhode Island Energy | Immediate—before entry |
| Electrical disconnection | Rhode Island Energy | Immediate—before entry |
| Board-up and securing | Rhode Island-licensed contractor | Within 24 hours |
| Police report for insurance | Rhode Island local law enforcement | Within 24 hours |
Utility Shutoff Procedures for Rhode Island Fire-Damaged Properties
Gas leaks require professional shutoff by Rhode Island Energy technicians in Rhode Island. Electric service needs meter disconnection by Rhode Island Energy before any fire damage inspection. Rhode Island law prohibits homeowner utility restoration—only licensed RI professionals can reconnect services after fire damage assessment. Dense urban areas in Providence have 12-minute average fire response but rapid multi-structure spread risk. Gas line damage in Rhode Island's humid continental conditions creates explosion risk when temperature fluctuations stress compromised pipes. Rhode Island utility companies provide 24-hour emergency response for fire-damaged properties in Providence and statewide.
| Rhode Island Utility Provider | Service Category | Emergency Protocol |
|---|---|---|
| Rhode Island Energy | Natural Gas Service | Request emergency shutoff—do not attempt DIY |
| Rhode Island Energy | Electrical Service | Request meter pull—verify with utility |
| Rhode Island Water Authority | Water/Sewer Service | Report pipe damage—prevent flooding |
How to File a Fire Insurance Claim in Rhode Island
The danger doesn't end when the flames are gone. Smoke and toxic gases are invisible threats that can cause serious harm long after you've escaped the heat.

Adrenaline is powerful; it can easily mask symptoms of smoke inhalation that may not appear for hours. It is crucial that everyone, especially children and the elderly, gets evaluated by
paramedics on the scene. If anyone has suffered a burn, apply cool—not cold—water and cover it with a clean, dry cloth while you wait for medical help.
Rhode Island Fire Insurance Deadlines and Policyholder Legal Rights
When the fire department arrives, they take command of the scene for everyone's safety. Follow their instructions without question.
They will establish a safe perimeter and shut off utilities like gas and electricity to prevent secondary disasters like explosions. The house is now a hazardous zone.
Even after the fire is extinguished, the structure can be unstable, and toxic residues coat every surface. Do not re-enter until a fire official gives you explicit permission. This is the first of many difficult waits you'll face, but your safety depends on it.
| Rhode Island Policyholder Right | Legal Requirement | Consequence of Violation |
|---|---|---|
| Proof of Loss Filing | 60 days to submit sworn statement | Claim denial—limited appeal |
| Insurer Response Deadline | 40 days to acknowledge/respond | Department of Business Regulation, Insurance Division penalties |
| Lawsuit Filing Period | 10 years from claim denial | Case dismissal—no recovery |
| Public Adjuster Fee Limit | No state cap—negotiate carefully | Contract voidable if exceeded |
| Bad Faith Claim | Insurer acts unreasonably | Punitive damages in {state} courts |
Additional Living Expenses (ALE) Coverage for Rhode Island Fire Victims
ALE coverage pays for temporary housing when Rhode Island homes are uninhabitable after fire damage. Hotel expenses qualify as covered ALE costs during the initial displacement period. Restaurant meals exceeding normal food budget by $15-30 daily are reimbursable under Rhode Island ALE provisions. Rhode Island policies provide 12-24 months of ALE coverage at living standards comparable to pre-fire residence. In Providence, temporary rental housing averages $1,800-3,500 monthly depending on neighborhood and property size. Rhode Island's humid continental climate may require specific housing features—air conditioning in summer, heating in winter—covered under ALE. The Department of Business Regulation, Insurance Division mediates ALE disputes when insurers deny reasonable temporary housing expenses in Rhode Island.
| ALE Expense Category | Covered Under Rhode Island Policy | Documentation Required |
|---|---|---|
| Temporary rental housing | Yes—comparable to prior residence | Lease agreement, monthly receipts |
| Hotel/motel stays | Yes—reasonable duration (typically 2-4 weeks) | Itemized bills with dates |
| Restaurant meals | Yes—amount exceeding normal food costs | Receipts showing date, amount |
| Increased commuting costs | Yes—additional mileage/transit | Mileage log or transit receipts |
| Storage unit fees | Yes—for salvaged belongings | Monthly storage invoices |
| Pet boarding | Yes—if pets cannot stay in temporary housing | Boarding facility receipts |
| Laundry services | Yes—if temporary housing lacks facilities | Laundromat/service receipts |
Documenting Fire Damage for Rhode Island Insurance Claims
Photos capture damage extent before any cleanup or demolition begins in Rhode Island properties. Inventory lists record personal property losses with item descriptions, purchase dates, and replacement values. Professional assessments determine structural damage requiring licensed Rhode Island engineer evaluation for claims exceeding $50,000. Rhode Island's humid continental climate causes rapid secondary damage—document water intrusion, smoke penetration, and mold growth within 24-48 hours. The Department of Business Regulation, Insurance Division recommends Rhode Island homeowners use inventory apps organizing photos, receipts, and valuations for efficient claim processing. Video walkthroughs of every room provide comprehensive evidence Rhode Island adjusters require for accurate settlement calculations.
| Documentation Type | What to Capture | Rhode Island Adjuster Expectation |
|---|---|---|
| Photo evidence | All rooms, multiple angles, close-ups of damage | Before any cleanup—timestamp photos |
| Video walkthrough | Narrated tour of entire property | Shows context adjusters need |
| Personal property inventory | Item, age, purchase price, replacement cost | Spreadsheet format preferred |
| Structural damage | Foundation, roof, walls, HVAC, electrical | Professional engineer report |
| Smoke/soot damage | Discoloration, odor penetration depth | Photos with measurements |
| Water damage | Firefighting water, pipe breaks, moisture | Moisture readings if available |
Rhode Island Building Codes and Fire Restoration Permit Requirements
Building permits are required by Rhode Island law for all fire restoration work exceeding $500 in value. Code upgrades increase reconstruction costs by 15-40% when homes must meet current Rhode Island building standards. Permit approval takes 4-8 weeks through the Rhode Island Building Code Commission in most Rhode Island jurisdictions. Dense urban areas in Providence have 12-minute average fire response but rapid multi-structure spread risk. The Rhode Island Building Code Commission at https://ribcc.ri.gov/ provides Rhode Island-specific permit applications, fee schedules, and inspection requirements. Rhode Island's humid continental climate mandates specific code requirements—insulation R-values, HVAC efficiency ratings, and fire-resistant materials vary by Rhode Island climate zone.
| Rhode Island Permit Type | When Required | Issuing Authority | Typical Fee |
|---|---|---|---|
| Building permit | All structural repairs | Rhode Island local building department | $500-2,500 |
| Electrical permit | Any wiring replacement/repair | Rhode Island electrical inspector | $150-500 |
| Plumbing permit | Pipe replacement/rerouting | Rhode Island plumbing inspector | $150-400 |
| HVAC permit | Furnace/AC replacement | Rhode Island mechanical inspector | $200-600 |
| Demolition permit | Removing fire-damaged structures | Rhode Island local building department | $300-1,000 |
Hiring Licensed Fire Restoration Contractors in Rhode Island
Fire victims are targeted by contractor fraud schemes costing Rhode Island homeowners $15,000-75,000 in losses annually. License verification protects homeowners from unlicensed operators—search the Contractors' Registration and Licensing Board database at https://crb.ri.gov/. Written contracts are required for restoration work over $500 under Rhode Island consumer protection law. Never pay more than 10% deposit or sign insurance checks directly to contractors in Rhode Island. The Contractors' Registration and Licensing Board investigates complaints and revokes licenses for fraud, abandonment, or substandard work. Dense urban areas in Providence have 12-minute average fire response but rapid multi-structure spread risk—verify contractors have Rhode Island-specific experience with local building codes and climate requirements.
| Rhode Island Contractor Requirement | How to Verify | Red Flag Warning |
|---|---|---|
| Active state license | Contractors' Registration and Licensing Board online database | Refuses to provide license number |
| Workers compensation insurance | Request certificate of insurance | Claims exemption from coverage |
| General liability insurance | Request certificate—minimum $1M | Cannot provide current proof |
| Written contract | Detailed scope, timeline, price | Insists on verbal agreement only |
| Reasonable deposit | 10% maximum under {state} law | Demands 30-50% upfront payment |
| Permit responsibility | Contractor pulls all permits | Asks homeowner to get permits |
Public Adjuster Licensing and Regulations in Rhode Island
Public adjusters represent policyholders—not insurance companies—in Rhode Island fire claim negotiations. Rhode Island requires licensing for public adjusters through the Department of Business Regulation, Insurance Division. Rhode Island does not cap public adjuster fees—negotiate terms in writing before signing. Claim increases average 20-50% higher when Rhode Island public adjusters negotiate complex fire losses. The Department of Business Regulation, Insurance Division maintains a registry of licensed public adjusters serving Providence and throughout Rhode Island. For fire claims exceeding $75,000 in Rhode Island, public adjuster fees are typically recovered through higher settlement amounts. Written contracts must specify fee percentage, services included, and termination provisions under Rhode Island regulations.
| Rhode Island Public Adjuster Regulation | Requirement | Consumer Protection |
|---|---|---|
| Licensing requirement | Yes | Verify through Department of Business Regulation, Insurance Division |
| Fee cap | No state cap—negotiate carefully | Must be stated in written contract |
| Written contract | Required before services begin | Review 3-day cancellation right |
| Conflict of interest | Cannot work for insurer simultaneously | Report violations to {insurance_dept} |
Mortgage Lender Notification Requirements After a Rhode Island House Fire
Mortgage lenders have financial interest in Rhode Island properties securing their loans. Insurance checks exceeding $10,000 are payable to both lender and homeowner under standard Rhode Island mortgage terms. Escrow accounts control repair fund disbursement—lenders release payments as Rhode Island-permitted work is completed and inspected. Contact your lender's loss draft department within 48 hours of filing your Rhode Island fire insurance claim. Rhode Island lenders require licensed contractor invoices, building permits, and inspection reports before releasing each disbursement. Typical Rhode Island mortgage escrow releases occur in 3-5 draws: foundation, framing, systems rough-in, interior finish, and final completion.
Replacing Documents Destroyed in a Rhode Island House Fire
Birth certificates are issued by the Rhode Island Department of Health, Center for Vital Records at https://health.ri.gov/vital-records for Rhode Island residents. Driver's licenses are replaced through the Rhode Island Division of Motor Vehicles at https://dmv.ri.gov/ with fire loss documentation. Property deeds are recorded with your Rhode Island county recorder's office—certified copies cost $10-25 in most Rhode Island counties. Social Security cards require federal SSA application with 2-4 week processing time. Start document replacement immediately after a Rhode Island house fire—some documents require 4-6 weeks processing. The Department of Business Regulation, Insurance Division recommends Rhode Island fire victims prioritize: (1) government-issued ID, (2) insurance policy documents, (3) property records, (4) financial account information.
| Document Type | Rhode Island Issuing Agency | Processing Time | Typical Fee |
|---|---|---|---|
| Birth certificate | Rhode Island Department of Health, Center for Vital Records | 2-4 weeks | $15-30 |
| Driver's license | Rhode Island Division of Motor Vehicles | 1-2 weeks | $25-40 |
| Social Security card | Social Security Administration | 2-4 weeks | Free |
| Vehicle title | Rhode Island Division of Motor Vehicles | 2-3 weeks | $15-35 |
| Property deed | Rhode Island County Recorder | 1-2 weeks | $10-25 |
| Passport | U.S. Department of State | 6-8 weeks (expedited: 2-3 weeks) | $130-190 |
| Marriage certificate | Rhode Island Department of Health, Center for Vital Records | 2-3 weeks | $15-25 |
Selling a Fire-Damaged Property in Rhode Island: Legal Disclosure Requirements
Sellers must disclose fire damage history to potential buyers under Rhode Island real estate law. Non-disclosure results in lawsuit liability including sale rescission, damages, and attorney fees in Rhode Island courts. Cash buyers specializing in fire-damaged properties offer 50-70% of market value for quick closings in Rhode Island. The Rhode Island Real Estate Commission mandates specific disclosure forms documenting fire date, damage extent, repairs completed, and ongoing issues. In Rhode Island's New England real estate market, fire-damaged properties in Providence and desirable locations may attract competitive offers from investors and renovators. Average Rhode Island home values of $400,000 make disclosure compliance essential for protecting seller equity.
| Rhode Island Disclosure Requirement | What Must Be Disclosed | Legal Consequence of Non-Disclosure |
|---|---|---|
| Fire damage history | Date, cause, extent of fire | Lawsuit, sale rescission, damages |
| Repairs completed | Scope, contractor, permits pulled | Fraud claims, punitive damages |
| Insurance claims filed | Amounts claimed and received | Buyer legal action |
| Ongoing structural issues | Foundation, roof, systems concerns | Rescission, repair costs |
| Environmental hazards | Asbestos, lead, mold discovered | EPA/state environmental penalties |
Rhode Island Government and Nonprofit Fire Victim Assistance Programs
The Rhode Island Emergency Management Agency coordinates disaster relief for Rhode Island fire victims at https://riema.ri.gov/. FEMA provides disaster grants for uninsured losses when Rhode Island fires receive federal disaster declarations. The American Red Cross offers emergency shelter, food, and supplies at Rhode Island disaster relief centers within 24 hours of major fires. Local nonprofits including American Red Cross of Rhode Island, Rhode Island VOAD, All Hands & Hearts provide Rhode Island-specific assistance not available through national programs. New England community organizations often maintain emergency funds for Rhode Island residents facing fire displacement. Contact 211 for comprehensive Rhode Island fire victim assistance program listings including housing, food, clothing, and financial aid.
| Rhode Island Assistance Resource | Type of Assistance | Eligibility/Access |
|---|---|---|
| Rhode Island Emergency Management Agency | Rhode Island disaster coordination | State-level emergency assistance |
| FEMA Individual Assistance | Federal disaster grants | When federally declared—apply at DisasterAssistance.gov |
| American Red Cross | Emergency shelter, supplies, financial assistance | Immediate—within 24 hours of fire |
| Salvation Army | Food, clothing, emergency funds | Immediate assistance available |
| Rhode Island VOAD | Rhode Island community assistance | Local resources and support |
| All Hands & Hearts | Rhode Island community assistance | Local resources and support |
Fire Recovery Timeline for Rhode Island Homeowners: What to Expect
Complete fire recovery takes 12-24 months for Rhode Island homeowners depending on damage extent and contractor availability. Permit approval adds 4-8 weeks through the Rhode Island Building Code Commission in most Rhode Island jurisdictions. Insurance claim settlement averages 3-6 months for complex Rhode Island fire claims involving structural damage. Rhode Island's humid continental climate affects construction schedules—New England weather patterns may limit outdoor work during certain seasons. Dense urban areas in Providence have 12-minute average fire response but rapid multi-structure spread risk. Plan for delays and maintain detailed records throughout the Rhode Island fire recovery process. The Department of Business Regulation, Insurance Division can assist with unreasonable delays exceeding Rhode Island regulatory timelines.
| Rhode Island Recovery Phase | Typical Duration | Key Milestones |
|---|---|---|
| Emergency response | Days 1-7 | Office of the State Fire Marshal clearance, insurance notification, temporary housing |
| Documentation and filing | Weeks 1-4 | Inventory complete, proof of loss filed within 60 days |
| Claim investigation | Weeks 2-8 | Adjuster inspection, damage assessment, initial estimate |
| Claim negotiation | Months 1-4 | Settlement offer, public adjuster review if needed, agreement |
| Permit approval | Months 2-4 | Rhode Island building permits issued, contractor selected |
| Demolition and cleanup | Months 3-5 | Site cleared, hazmat removed, foundation assessed |
| Reconstruction | Months 5-18 | Rebuild to current Rhode Island code, inspections, final approval |
| Move-in and closeout | Months 12-24 | Certificate of occupancy, final insurance disbursement |
Your Options After a Rhode Island House Fire: Rebuild, Settle, or Sell
Rebuilding requires Rhode Island Building Code Commission permits and Rhode Island-licensed contractors, taking 12-24 months for complete restoration. Cash settlement provides immediate funds but may not cover full replacement cost in Rhode Island's New England real estate market. Selling as-is offers fastest resolution—typically 30-60 days—but returns only 50-70% of $400,000 average Rhode Island home value. Dense urban areas in Providence have 12-minute average fire response but rapid multi-structure spread risk. Consult a Rhode Island-licensed public adjuster or insurance attorney before making final decisions on claims exceeding $75,000. The Department of Business Regulation, Insurance Division provides free consumer guidance for Rhode Island fire victims evaluating recovery options.
| Rhode Island Recovery Option | Advantages | Disadvantages | Best For |
|---|---|---|---|
| Full rebuild | Restore home to current Rhode Island code, maximize insurance payout | 12-24 month timeline, permit delays, contractor coordination | Homeowners planning to stay long-term |
| Cash settlement | Immediate funds, flexibility to relocate anywhere | May be 10-30% less than replacement cost | Those relocating out of {state} |
| Sell as-is | Fastest resolution (30-60 days), no rebuild hassle | Lowest return (50-70% of value) | Those needing immediate liquidity |
| Partial repair + sell | Higher sale price than as-is | Requires upfront investment, {state} permits needed | Properties in high-demand {state} areas |
What is the first thing to do after a house fire in Rhode Island?
Contact the Office of the State Fire Marshal to schedule a safety inspection before entering your Rhode Island property. Report the fire to your insurance company within 24 hours and request an ALE advance for temporary housing. Do not enter the property until officially cleared—structural collapse and toxic fumes pose serious risks.
How long do I have to file a fire insurance claim in Rhode Island?
Rhode Island requires proof of loss submission within 60 days of the fire date. Notify your insurer immediately, but the formal sworn proof of loss statement has a strict 60-day deadline. The Department of Business Regulation, Insurance Division enforces this timeline—missing it can result in claim denial.
How long does a Rhode Island insurance company have to respond to a fire claim?
Rhode Island insurance regulations require companies to acknowledge and respond to fire claims within 40 days. The Department of Business Regulation, Insurance Division can investigate and penalize insurers who exceed this deadline or engage in unfair claims practices.
Does homeowners insurance cover temporary housing after a Rhode Island house fire?
Yes. Additional Living Expenses (ALE) coverage in Rhode Island policies typically provides 12-24 months of temporary housing at standards comparable to your pre-fire residence. ALE covers rental housing, hotel stays, restaurant meals exceeding normal costs, and increased commuting expenses.
Do I need a building permit to rebuild after a fire in Rhode Island?
Yes. The Rhode Island Building Code Commission requires permits for all structural fire restoration in Rhode Island. You must rebuild to current Rhode Island building codes, which may include upgrades not present in your original construction. Permit approval typically takes 4-8 weeks.
Are public adjusters licensed in Rhode Island?
Yes, Rhode Island requires public adjuster licensing through the Department of Business Regulation, Insurance Division. {state} does not cap public adjuster fees—negotiate terms in writing before signing any contract.
How do I verify a contractor's license in Rhode Island?
Search the Contractors' Registration and Licensing Board online database at https://crb.ri.gov/ to verify active licensing. Rhode Island law requires contractors to hold valid licenses for fire restoration work exceeding $500. Never hire unlicensed contractors—you lose legal protections and may void insurance coverage.
Can I sell a fire-damaged house in Rhode Island?
Yes, but Rhode Island law requires full disclosure of fire damage history to potential buyers. Cash investors purchase fire-damaged Rhode Island properties, typically offering 50-70% of market value for quick 30-60 day closings. Non-disclosure can result in lawsuits and sale rescission.
How long does it take to rebuild a house after a fire in Rhode Island?
Complete rebuilding in Rhode Island typically takes 12-24 months. Factors affecting timeline include Rhode Island Building Code Commission permit approval (4-8 weeks), contractor availability in Providence and Rhode Island, humid continental climate construction limitations, and insurance claim settlement speed.
What financial assistance is available for fire victims in Rhode Island?
The Rhode Island Emergency Management Agency coordinates Rhode Island disaster relief programs. Additional resources include FEMA grants (for federally declared disasters), American Red Cross emergency assistance, and local nonprofits like American Red Cross of Rhode Island, Rhode Island VOAD, All Hands & Hearts. Contact 211 for comprehensive Rhode Island fire victim assistance listings.
Rhode Island State Resources You Should Bookmark
| Rhode Island Quick Reference | Details |
|---|---|
| State Fire Marshal | Office of the State Fire Marshal |
| Fire Marshal Website | https://fire-marshal.ri.gov/ |
| Insurance Department | Department of Business Regulation, Insurance Division |
| Insurance Dept Website | https://dbr.ri.gov/insurance-overview |
| Emergency Management | Rhode Island Emergency Management Agency |
| Emergency Mgmt Website | https://riema.ri.gov/ |
| Contractor Licensing | Contractors' Registration and Licensing Board |
| Contractor Board Website | https://crb.ri.gov/ |
| Vital Records Office | Rhode Island Department of Health, Center for Vital Records |
| Vital Records Website | https://health.ri.gov/vital-records |
| DMV | Rhode Island Division of Motor Vehicles |
| DMV Website | https://dmv.ri.gov/ |
| Building Department | Rhode Island Building Code Commission |
| Building Codes Website | https://ribcc.ri.gov/ |
| Gas Company | Rhode Island Energy |
| Electric Company | Rhode Island Energy |
| Proof of Loss Deadline | 60 days |
| Insurer Response Time | 40 days |
| Lawsuit Filing Limit | 10 years |
| ALE Coverage Duration | 12-24 months |
| Public Adjuster License | Yes |
| Public Adjuster Fee Cap | Not regulated |
| Region | New England |
| Climate | humid continental |
| Fire Risk Level | moderate structure fire risk |
| Major City | Providence |
| Average Home Value | $400,000 |
| Annual Fire Incidents | 1,600 annually |
| Local Factor | Dense urban areas in Providence have 12-minute average fire response but rapid multi-structure spread risk |
| Local Nonprofits | American Red Cross of Rhode Island, Rhode Island VOAD, All Hands & Hearts |