Not sure if you are all talking about land property but for those with boat loss I'll through in my 2-cents. There was a long void with little info but then rapidly the adjuster reviewed the claim and the company settled last week.
They settled the contract exactly and with no questions. Yes, looking at replacement cost I had myself insured a little light but that was my over site and not by much. So at least for some in the boating side and with total loss there has been slow but fair response. Caribbean Insurers was the company.