Had a house fire. Only owed them $70,000, on a $249,000 home. It's been almost a month and they are very difficult to work with on rebuilding, as every cent of the $249,000 has to go thru their strict "approval process" Our insurance agent and contractors are just baffled on how long it has taken them to respond to simple questions. Another review stated you get a different story from every customer service rep. This is VERY TRUE! Do yourself a favor and avoid M&T Bank!