I had the worst experience with this company. My apartment flooded and I had all the maintenance records to prove it, but they denied my claim because I didn’t have a police report. Seriously, who calls the police for a flood? It's ridiculous! I provided all the evidence they asked for, but they still refused to help. I feel totally scammed. They’re just looking for any excuse to not pay out. Save yourself the headache and stay away from these guys. They don’t care about their customers at all. Just a total waste of money and time.