About a little over a year ago I switched my P&C coverage to you and your organization. I had not had my coverage reviewed in 10 years and although I thought I might be overpaying it turned out I wasn’t properly covered. We increased coverage in a variety of areas to properly protect my business and home. You recommended Chubb for my homeowners. You explained it was more expensive but they were the best at claim time. After this winter we had ceiling damage, water damage, floor damage and roof damage. Chubb covered it all. Our claims analyst was responsive and fair In everything. She explained what they would cover and if not why not. The process took longer than I would have liked because we had to bring in a third party for the roof but the result was great. The claims analyst was extremely fair and professional. I sincerely appreciate your advice and recommendations.