Francisco said he hasn't made a claim.well I have and so far the results are not favorable. It all concerns water damage. I discovered a wet carpet and immediately call for help..Travelers said it was caused from a "leak" and that it happened more than 14 days prior to my calling...so it is not covered because the pipe did not "burst". I also have extended coverage for fungi..Guess what ..that's not covered either because it took more than 14 days...the final outcome is pending..will post again with final results