I have had a similar experience as the other reviewer. Our refrigerator leaked under our house and caused damage. The appraiser came out and made it seem that they would take care of everything. It took almost a month to find out our claim was denied. We had to keep following up as there was no communication from the agent. If we had not called we would not have even known we were denied. We were denied because they said the damage is pre existing. How can it be preexisting when we just realized it was leaking because it was under the house.