https://www.trialguides.com/blogs/news/bloomberg-details-widespread-claim-denials-and-delays-by-american-insurers
I think Tipsy and the other minions think people do not remember this. You could not describe SF's current claim/business model any better. Give a low ball Pocket Estimate, make them wait 2-3 weeks for maybe a virtual inspection, use a vendor and say it's not our fault, and find just about every means imaginable to delay paying a claim!