Unfortunately, your local agent will have little or no input into any damage
or property loss claim that you may make -- that is the adjusters and claim
reps --
a whole another breed of cat (and not the domestic kind).
If you get into personal injury or loss of life - it gets complicated very
quickly. Fortunate that you don't have close neighbors.

gb

Yep underwriters are more than willing to add things to make more bucks.

Getting the claim later is an all together another proposition.