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Please remember, not all coverage is created equally. Read the fine print.
I had one of the better know companies and they prorate coverage based on useful lifespan left.
I bought a house and they prorated the value of my roof from $45K to $5K. I immediately switched to Hanover who offered full replacement coverage. Yes, it was about 20% more expensive but I added a large umbrella and declared a few higher value items.
1 month later a massive hailstorm. The adjuster comes out and just starts pointing at stuff saying "Damaged, we will replace it". Even my grill cover.
Every contractor that I hired to do the work asked who my insurance was. When I said Hanover they said "Great! We will get started right away and deal with them directly. They always pay".
The one claim I made with my previous company was due to a storm with 5" of rain in an hour. I got water in my basement and they claimed it was due to inefficient gutters and denied the claim.
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