Great rates don't mean great service, for that matter neither do local agents with a face. Claims are handled by the insurance company adjusters, not agents.
For all of you that have ended up with the largest private homeowners carrier in the state, good luck! No doubt plenty of friendly agents have placed a lot of people with these clowns. The company did agree and pay the fine.
Largest private insurer in Florida fined $1.3 million for long list of violations | Tampa Bay Times