[Evans, Marv]

As far as claims are concerned, I had Farmers for construction insurance when I was building my house. I had an episode of theft of copper pipes underneath the house. I had a Sheriff's report and made a claim with a replacement cost from the contractor that did the original placement. They paid the whole claim quickly and without any protest. However I continued with them for homeowner's insurance afterward and ultimately dropped them because of huge premium increases. I investigated Traveler's and Chubb. Neither one of them had very good reviews and Traveler's was really poor. I ended up going with Chubb, and they sent a letter before the last renewal date saying they wouldn't renew the policy because of high fire risk. I've inquired with other carriers, USAA being one of them, and they all declined to write a policy because of fire risk.