re: Shelter Insurance

We use shelter for home, auto, and life. Never had to file a claim on auto or life but my house flooded about 7 years ago. An adjuster was at my house the next day, and what I thought was a very generous offer was cut into a check within 48 hours.

About 3 years later, wind damaged my roof. Same story. I did have a higher roof deductible but the whole process was fair and quick.

As a matter of fact, my only complaint is that they charge me as a smoker on my life insurance when I told them that I smoke a cigar about once every two-three weeks. I don’t like it, but I am willing to concede that as fair, even though I passed a urine screening for nicotine.