Like many people, I carry insurance for the obvious reasons and never have a real reason to utilize it. I've had Nationwide as my home owners carrier for a few years now and chose them initially because of an outstanding rate. To make a long story short, we had a pipe in the wall leading to a shower on the upper floor develop a crack in an elbow. The damage was significant, about 30k. I hired a Public adjuster and Nationwide's rep work very close and very expeditiously with him.
The company sent us a check within a week for the entire amount we felt was fair and needed to repair all damages to original condition. This also included replacement of some items with no hassle from them. I also want to stress my recommendation to anyone of bringing in a Public Adjuster in high end claims cases. I'm not saying Nationwide wouldn't have handled it the same without him, but in cases like this with so much on the line, I was glad I did not try and handle this myself without expert representation.