A lot of these negative reviews must be from folks...

A lot of these negative reviews must be from folks that didn't read their policy's. It's a shame that people blame their incompetence on companies. I have personally had two claims with American Risk that were promptly and professionally handled. All prices were fair and the adjustments were handled by an unbiased 3rd party. Please read your policies and learn what actual cash value, depreciation, etc.... means it will save you a lot of heartache.