I haven't been through that and hope I never do. But what I would reply to them is that you don't send them only 50 - 75 % of your policy payments so why should you accept that offer. screw them
good luck
then immediatly once it's paid for, drop them and get another company like those bastages do to us, and do it before they drop you(not that they can, but homeowners ins. co.s sure do)
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