I work for an insurance company so I am somewhat biased I guess some could say...I've been on both sides of this, as the insured with a claim and an employee of a representative of the insurance company so Im able to see different aspects that most people don't think about or care about.I agree with Stephen in that having a claim history could make underwriting difficult in the future and/or raise future premiums.To your comment about getting screwed or scammed... you did choose the high deductible in exchange for lower premiums.

Always get a second opinion from an educated investor in the market (not a regular retail agent, many don't get the investment aspect) I would be happy to look at the deals for you and give you some non bias feedback.

When you buy apartments, you are actually buying a business that produces a stream of income.My 2 cents anyway, but I'm very biased!

I know I am biased but that's how I see it.

I tend to lean towards a RE attorney but I'm kind of bias since my wife is a RE attorney.

The investment community then applies a bias on top of that, either negative or positive, which further drive the pricing.

Before I post my feedback I want to gauge the group so I don't create any biased responses. 

On Quora, you check off a bunch of topics you're interested in and get presented with a list of questions, then can pick and choose which to answer.Do you want answers from someone on a real estate forum, or someone picking your question out of a list about sandwiches, real estate, breeding toy poodles, gender politics, and Canadian tourism?

But I am admittedly biased because I had a miserable experience with them a while ago.

Even if they have integrity, they can't help but be biased by their financial stake in the deal.