"Richard and Penni Domikis didn't think anything could be worse than watching their home burn down...until they tried to collect the insurance...The Domikises already felt betrayed by Allstate. That made it even more galling when getting their interim living expenses approved required a volley of calls, faxes and questions on every bill. Payments were sometimes two months late...Says Richard, "no matter how nice your agent is, you're dealing with a pool of lawyers when you lose your home."

- Smartmoney