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Where is the zero category? This company has no integrity and does not have your best interest at the very time you need to make a claim. This year after a downpour, water came into the house from the second floor to the main floor. Damage is extensive and this company turns it back and doesn't want to help deal with it. You are on your own when you need them the most! Just get excuses and more excuses. Still waiting... while the insurance company very willing to collect your money but digs in heels when a claim is made and they are most needed to help in a time of crisis. So far only ignored and no action, just excuses. Be warned, it is heartbreaking. More rain is coming. No action from the insurance company. I will inform you if there is any change.