We have never been late on our payments in the last 8 years, not even a late charge. But this doesn't not count for anything. We have had nothing but problems upon problems with insurance claims and vanderbilt. Our roof has been damaged several times from the wind, to only to be told by their insurance company they would only pay half. We were laughed at by contractors by telling them we could only get a partial roof. We had a partial roof put on, only to be blown off again. adjuster sent out. Said they wouldn't pay because work had... read full review »