I do not recommend insuring an apartment in this c...

I do not recommend insuring an apartment in this company. They smile at you when they accept insurance premiums, but as soon as an insured event happens, the company is looking for any reason to pay less than the real cost of damage.

The apartment was insured, the ceiling in the kitchen was made of drywall, flooding occurred, a dark dirty spot formed on the ceiling. The contractor repair organization provided by the insurance company itself concluded that for a quality repair it is necessary to replace the drywall sheet and repaint the entire ceiling. The insurance company refused to pay for the replacement of drywall - we will smear it and it will do. There you go, "Calm included."