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The Insurance adjuster who came to our home and looked at our damage was very nice, and and responded quickly, even though our local problem had to compete with Hurricane Ikes customers. They were very busy but were always very nice. Although I was on hold when calling, twice it took ten minutes to get thru, but as they said. While a customer is on the phone, 25 people from Ike's region are on hold. So dispite that , I thought they did a great job.