During the great roof scams of Florida I had to find another insurer due to three alphabets cancellation. I got three quotes. Farmers, State Farm and Allstate. All was more than I wanted to pay especially after I paid for my perfectly good roof to get replaced. I went with village insurance, beings I was new customer I had inspection. Took them about 5 or 10 minutes taken few pictures mainly interested in how old water heater and air handler was and of course verified I had my roof replaced. My insurance bundle actually when down from aass (no I misspelled on purpose)
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