And every time hurricane comes they all are shocked that poorly constructed homes are ruined like a play card house and would take forever to hear from insurance company to move their arses to file the claim. My neighbors got half of their house destroyed by an oak tree during Sally and it took them 1.5 years to restore that side of the house and move back in. Big part of it was insurance company dragging their feet to proceed the claim ( they had to conduct few inspections to make sure it was indeed a hurricane that impacted that ). But God forbid to miss one payment, they will punish you immediately.