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Amica did not raise our homeowners insurance premium after a major hailstorm got nearly every roof in our neighborhood 2 years ago. The roof on this house was 10 years old, and was a total of 42 squares. Had a check in a week. No problem and they didn't try to screw us like State Farm did to our neighbors (same era house, SF claim adjuster said their roof had deferred maintenance as it was 10 years old, and refused their claim. This was after SF's chosen contractor had done the roof inspection (they chalk out a 10' square and chalk circle every hail hit, then add them up. The contractor said the hail wrecked the shingles (and gutter guards) and should be replaced. SF's adjuster said nope. No claim, end of story. Appeal went nowhere).
Upshot is neighbor dropped SF and within a year they get letters from SF wanting them back. No corporate memory, just an address and a number.
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