Eh, I've had damage to my house due to a tree falling during an extremely unusually windy storm that easily ate up a few years worth of premiums. The insurance

Eh, I've had damage to my house due to a tree falling during an extremely unusually windy storm that easily ate up a few years worth of premiums. The insurance company came out, took some pictures, and cut me a check as soon as I had a few quotes on cost to repair the damage. Due to the size of the claim, however, they were required to put both my name and the bank that held the mortgage on the check, and they were a royal pain in the ass to deal with. I ended up paying the contractors out of pocket to keep them working while the bank and I played paperwork tag through the mail just to get them to sign the damned check.