Like another reviewer said if your insurance company sends them, refuse and either request a new one or insist on getting your own. They will try and find the cheapest and least qualified people to do estimates on damages. The worst part is they will work with the insurance company to get your claim denied. This is why insurance companies use them as a set up so you don't get your own contractor. The only thing they care about is getting the referral profit that they add to the contractors they choose. They do not even know who they send to your home just as long as it is someone who is desperate to please the insurer. Most companies who you call will work with YOU to get what you are owed so they are never used by a company like this. So this company will use small timers who can't compete with the high rated companies you find on homestars. Thats called bulk contracts where they make money by handling insurance jobs instead of doing big jobs like the pros. Thats my opinion do with it what you choose but consider this a warning.