I had a measly $1000 claim refused by Nagico after the hurricane. I was evacuated after the storm and left our place with some flooding. I called Nagico for days from the states but couldn't get through because the phone lines were down. Finally I reached them and I told them I have been evacuated and didn't know the extent of the damage until I returned and that may be a couple of months. I was told that was no problem and to file my claim when I returned, Well I did and my claim was rejected because I didn't file the claim before 30 days. It was longer than 30 days before they were open for business and had phone service but that didn't matter. They have so many claims that they are trying to reject as many claims as possible and are taking forever to pay. People with valid claims are still waiting for payments. They want you to pay your premiums and on time but when you have a claim, there is always a problem Insurance companies are the same everywhere.