One of the worst experiences ever in dealing with an insurance company! My claim for their insured (roofer) was legitimate. The roofer was negligent, not taking proper precautions to properly tarp the roof and there was never any supervisor on site for "supervise" their workers who spoke no English, and the proj. mgr. for the roofing company divulged to me that they were all illegals with fake documents! Nice, huh? Anyway, I had to hire an attorney to try and get them to pay the claim as I surely wasn't getting any cooperation with the roofer. I got $3k when it cost us $8k out of pocket. My attorney was obviously completely incompetent. The insurance company refused to honor the claim as they said their insured had the right to "cure the defect" (in layman terms -- fix the problem!). But they didn't and I demanded their adjuster come out again. He was amazed that this had not been corrected, ONE year later!

Horrible! They were the insurer for a roofing company I had the misfortune of using. The roofer was very negligent in their work, didn't properly tarp my roof when it poured rain and my attic was flooded with water, thus causing mold. I live in SW FL where it is very humid, especially from March through Nov. This happened on Labor Day (Sept.). This company refused to honor the claim as they stated their insured had the right to "cure the defect" -- in layman's terms -- fix it! Well,l they didn't. This dragged on well over a year, holding up our other remodeling jobs, and Mid-Continent sent out their adjuster and he saw it was the roofer's fault and the roofer even admitted fault. The roofer kept lying to Mid-Continent telling them all had been repaired when it had NOT been! I insisted the same adjuster come out to see for himself and he was astonished that it had not been taken care of. Our atty. got us $3k when it cost us about $8k out of pocket!!! NOT RIGHT!!!