Promutuel Home Insurance Reviews

I had a flood in my house and the cause was an old joint solder because the house is built in 1968. The insurance company told me that it's due to freeze, even before checking it. Then they sent their inspector, and when he saw the pipe, he told me no its not due to freeze, its due to bad old joint solder, between them saying it was a freeze and then sending the inspector, 3 weeks had already passed. Then they said ok, you are covered, then, after 2 weeks, they resent me a SURPRISE letter saying that they will send an engineer to recheck the pipes. And, of course, the engineer came and while we were talking he said they sent me to try to find something cause the bill is too big for them and of course his judgment was favor to the insurance. So now its been about 9 months back and forth, I brought my own engineer and he said, no, it is not freeze. So now I am waiting for their response after that if they are still on their idea, I’m going to court. Worst insurance ever.