It is at your most vulnerable point when this company presents itself to you for help: a house fire, flood or home damage. They will offer their services and claim to represent you interests with your insurance company for compensation for the claim. What they ultimately will do is make you think your insurance company will be billed, take any of the contents of the items of your home for themselves, not complete the work, provide substandard at best service, provide no customer service for the communication of the work that is performed and ultimately hold you the home owner reliable so that they can place a lien on your home.