Roof, furnaces, HW tanks, windows all under 5 years old? 

Since when did having a roof over your head become an option??

If it is mostly smoke damage to the interior it will be ok, but if the roof caught fire and burned away that's a whole different ball game.

Complete remodel, redid or replaced all flooring, plumbing, electrical, new roof on the garage and retied all the windows.

,he foreclosed my home after 60 days and there’s reasons such as a storm ripped the roof off and I had to use $ to repair.

My roof is terrible and the wood flooring (new) is already warping. 

Throughout this process, I received inconsistent information from different representatives at State Auto, and my Matic agent's responses were often vague and noncommittal.Recently, another storm hit Houston, and a tree fell on my roof.

Well........they sent a picture of a section of the roof, some of the shingles are u and guess what- NO insurance on it now.    

Unless there's an active leak, there's no reason.

I have a strong work ethic and don't shy away from hard physical labor thanks to my granddad making me carry pack of shingles up on roofs at 6am during my summer when I was 11 years old, my pay was dinner that night lol.