I am not sure who my husband has insurance through, but she is 74 years ago, a scared widow. She has had insurance on her home for 26 years and never used the insurance on the house for repairs. She really did not know to. She just always her son or my husband repair. Well she got extensive damage recently due to severe storms, with hail, high winds. I mean we live next door and we had $10, 000 worth of damage. Her kitchen ceiling caved in plus numerous leaks. This lady lives on Social Security and her insurance she has religiously made payments to will not help with one penny. Is there anything that can be done. She thought she was being "good" by trying to do the upkeep herself. Like I said she is 74 and we try to help her all we can.