I filled my first claim a few weeks back. I really cannot believe how painless and professional this was handled. I got caught out in some bad water and took a roller over the bow. I called in the damage after the weigh in on Sat. Bob called me Sunday to talk things over with me. The adjuster called at 09:00 Monday. All I can say is WOW. What outstanding customer service. The adjuster was great. Always a phone call away with any questions I had. No hassles or low balling! I would like to say thanks to Bob and my adjuster James for making a bad situation a positive experience. If you are looking to change carriers this is a no brainier...... Do It.