worst company ever to use! they fight you tooth and nail to repair your flooded home. they pay contractors they hired and don't make sure that contractor hasn't broken items, if they do they say its out of there hands.. good luck suing us.. there horrible and then they r a i s e your premiums for the next 3 years and your stuck even though this flood wasnt your fault....i cant wait to sell this house cause then u get nothing from me.