IE, that the bill payment company really exists, then contact them with the number I find, not the one she gives me, find out if she's a customer, see the police reports on the identity theft, etc. 

Wealth is the by product of someone who creates value for others and businesses that are long lasting, create incredible value for customers.

Customer service (can you reach a person, how quickly?)

I imagine it is the coverage many customers require before work, so probably liability, but I don't know.  

Additionally since insurance costs are born by all policy holders is it fare to allow any person to qualify for insurance when the likely hood is that their home will be repeatedly damaged or destroyed in the future.

@Miguel Jauregui I am working with some database experts to build something custom.

They provide financial literacy through classes as well as reoccurring support for customers/students.

I am working on developing my website and would like to have everything my customers or I need, in one place.

Their customer service/responsiveness during setup was a little lacking, but it's been smooth sailing since.

Looked online but only found generic samples that I could work off of if needed but if anybody has a really good one they'd be willing to share for me to work off of and customize for our LLC it would be greatly appreciated.