How often have you made an FPI claim and been paid? To date I've tried to make a total of 2 claims. In one case the basement was flooded and they didn't cover it (long story). In the other there was some roof damage but based on what they would cover it didn't make sense to go forward given the deductible. I'm not considering reducing the amount of coverage I get and I have heard stories of homes burning down. But for those who have been at it for a long time I'm curious how often you have seen total disasters?