The house was being renovated, and a vandal broke the window, causing our pipes to freeze. Then it thawed and they burst and it froze again. The bathroom above is in the kitchen below. They have denied the claim, saying it was vacant! Our policy says that it isn't vacant if it's being renovated. The tools are frozen in the ice. The supplies are frozen in the ice, and they are saying it wasn't actually under renovation!
Our agent saw the damage and confirmed that it was a legitimate claim, but the adjustor denied it.
They promise the moon until you really need them.
BUYER BEWARE! You can do better.
Review about: Homeowners Insurance.