[Sunsong]

My mom didn't know. she is still fighting them to get paid for a claim. But, unlike many, she IS fighting them.

[Eric in the Ozarks]

Good for her. We lived in the south metro of the Twin Cities in 1998 when a series of hail storms when through in late March/early April. Every house in a ten mile swath had damage. Our insurance company, The St. Paul (now part of Travelers) had adjusters at our house within four days and authorized a new shingle roof, window replacement, siding, etc., without argument. Because we had a mortgage, the entire claim check was sent to Wells Fargo, which cut checks to us as I brought in the roofing company, the window repair and so on.
I'll never forget the claims manager, after all the repairs were done ($100,000 +) who said, "If you find any hidden damage, just call and we'll write you another check."
Our insurance man reported other home owners with The St. Paul had the same experience. The company knew they were going to get clobbered, so why not turn it into good PR ?