Actually, as my claim has not been fully completed...

Actually, as my claim has not been fully completed yet, my response is premature. I had a guest at my home who started a fire, then flooded the place while extinguishing the flames. FedNat's fire investigator and adjuster were both very quick and thorough with exploring the cause of the fire and estimating the potential costs of repair. My only "beef" with the agency is that they reimbursed me 150 for replacement of a queen size mattress. Clearly this does not begin to cover it. I had a policy for full current value of replacement. However, they reassure me that when I submit a claim with my receipt for the new mattress they will adjust the payout. They were very responsive, initially, with communicating and also releasing funds for rehabbing my property. They reassure me that if it is more costly they will make up the difference. As it is difficult to get contractors and materials these days, that is still TBD