Worked with Denise Hoffman and her people for about 7 years and our relationship ended on a sour note. We decided to make sure all of our interests were covered by comparing our policy to Denise's competitors in the Denver, Colorado area. What I found was, Denise had under insured my family to work with our monthly budget. After a few calls to Denise and not having our calls returned by her or returned by her assistant the following week, we decided to moved on. We are now working with another agent who charges less for much more coverage and lower deductibles. We never filed a claim after 7 years. I would suggest shopping.