Richard's situation was the first time in my life I have ever heard of or seen positive results from an insurance company. My family & everyone I know has been swindled & ripped off by insurance companies our entire lives.
Case in point: A couple weeks ago, when my brothers truck burst into flames, he went out and got a rental ..... then they informed him that he had no rental coverage!
He switched to this company in the summer. He handed them his old policy & said "I WANT EVERYTHING THE SAME AS THIS POLICY". They informed him, only after he racked up over $200 in rental charges, that the coverage was dropped when he started the policy. Of course, they're not wrong -- it's my brother's fault.
I filed a claim for water flowing through my Federal Pacific breaker panel. You'd think an insurance company would be DELIGHTED to remove a Federal Pacific panel (Google it) .... but they jacked my payments up by over 30% for making the claim!!
Insurance SUCKS! A necessary evil, but it's the biggest rackett going ....... except in Richard's case.