Parents have been with foremost since 1991 (20 years never late on a payment) and the two time they needed them filed a claim they were denied. First time was the ice storm of 2001 tree fell and cracked the roof. F.E.M.A. eventually help my parents with that repair. The last time was the wind, hail and rain storm easter weekend of 2011. This time I got to witness Anthony Brown the adjuster for Foremost look my 78 year old father in the eye and tell him that the hole in the roof after the last storm and the subsequent leak that caused a major blow out of the central air unit, was not the direct product of the storm or the barn fence was not knocked down due the tree that fell across it . I figured it out my parents have given foremost over $30, 000 in 20 years. If you do even a low ball figure of 3% interest on the dollar. Foremost has made a fortune off my parents. Now when they need Foremost they can not spare less than $3000 repair less than that if you take away the $950 deductible. Foremost is a scam taking advantage of older parents that believed the hype that you absolutely need home insurance. They would have done better putting the premium in a interest baring CD that they use only in times like now when on a fix income they now have to do repairs they can not afford. But they counted on a system that has failed them each and every time they needed and depended on them to do what they policy indicates.