Insurance is a financial product, therefore the financial strength of the company is the first research item.
Customer service for paying claims is the second research item.
Settling a claim fast with the customer is usually the number one issue, small items < $10,000 is usually expected and baked into the their financial budget. meaning, from historical customer analysis, not individual analysis, but by customer demo- and geo- graphics: age, income, location, etc. how many small claims and cost they expect.
But with large weather related, ie, random historical events, or other large issues, the financial strength will be tested and their re-insurance strategy will play a part in how fast / how much you may be offered for your event.
So, is an insurance company good to use is a non linear, event driven answer, and mostly, you won't know that answer until you encounter a large event, along with everyone else. The more people involved in the same event, either one will get very little or nothing, depending upon the financial strength of the company to pay the total claims from one isolated large event.
Example non hurricane related, a colleague of coachk's went on a month trip to Africa to visit relatives. Upon return, the washer water hose had burst, and flooded the main level and basement. The family just returned to the home after living in a hotel for TWO years. There were so many delays, paperwork filings, searching for contractors during after the pandemic, etc, that the family just moved back after two years, and the house is not finished rehab yet.
I don't know how one rates the insurance company for that scenario, but the insurance company did not appear to respond quickly to the incident, just based upon time to complete agreement on reimbursement amount for approval to begin searching for a contractor, which was between 3-6 months
YMMV
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