My 79 year old mother has had this insurance company for 6 years. Her roof has been damaged from an unexpected snow storm, and they are completely denying help to my Mother! They are NEVER available, and don't care that they lack of concern can cause mold damage and that the furniture and carpet were ruined as well. They are THE WORST and I would NEVER recommend them to take care of their clients. All they are good at is COLLECTING premiums. Thanks for caring for my Mom, your loyalty was nothing for her.