Most of the complaints on this thread are as a result of buyer incompetence or demonstrate borderline fraudulent behavior. Consumers always seem to neglect their own responsibilities after a claim, or they don't realize a vacant house after 60 days is not covered, or that when they have a 4-family posing as a 1-family house, they will get a prorated claim payment, or if they rent their house out and don't live there that they have no coverage; or if they use their house to run a business out of and they have a loss, they aren't covered.
Also, a lot of the complaining on this thread is clearly written by attorneys bad-mouthing a carrier and trolling for cases. You can tell by their sophisticated language.
Product or Service Mentioned: Encompass Insurance Claim.