I will start with an old clichè. 'Insurance companies are happy to take your monthly payment but not so happy to pay when there's a claim.' I had a burst pipe causing massive flood water damage to my house and pool. I put in a claim as I am covered according to my policy. An atheist engineer was sent out who gave a crooked report ignoring all the factual evidence, claiming that the water flow under my house had appeared over 'eons'. Has this man been around for 'eons'. read full review »