Ooohhhhh! Don't get me started on insurance companies. I've been dealing with our home owners for two months on a stupid pool filter, which has been decreed useless by two separate companies. It's taken a month of that time to get the work done. And actually we opted for the payout because, well they're idiots. You never got the same story twice and no one knew where a huge massive pool filter was. Really!!! How do you lose on of those things, especially when you can track a letter for $2?!?! We've yet to get the check, so I may be ranting again later.