Don?t try and make a claim with out being ready for a battle. They will take your money like a good neighbor. But make a claim and you will become the no good cousin looking for money from the rich uncle with out any right to ask or enough intelligent to know want you are talking about. Beware good neighbors are not insurance companies; insurance companies only want to make money. Neighbors are only people they have to by nice to when they you see then in the front lawn. Don?t turn your back on them.