Yep, very true. I’ve been with USAA since I was a kid, and even with them, I don’t always bother to file. (Laying low in this newly-recognized hurricane country, hundreds of miles from the Gulf of Mexico, trying to keep the premiums from exploding.)Her insurance conpany said they wouldn't cover damages, which is on brand for that industry.
I missed what would have been a great photo of that a few weeks ago, when I responded (minus camera) to such a cacophony to see Killay, Hensol, and 4 of their lieutenants stood in a line and shouting at the ginger tom, who had parked his butt on the terrace steps overlooking the lawn, the bottom of which is a rat run between dense foliage cover. He scarpered when I joined in 
