Several years ago, we had a horrible hailstorm in the middle of the night. We were in the middle of remodeling the upstairs bathroom, so all three cars were out of the garage (had materials stored in there, and didn't want my cars scratched up). We have our insurance as an all-in-one with house, cars, boat, excess liability.

By sundown that day, I had the personal extension number of the insurance person who would be dealing with the damage to the house. By sundown the next day, I had the personal extension number of the person who would be dealing with the damage to the cars. We had a check in hand within a couple of weeks, and some of our neighbors were still fighting with their insurance companies a year later. We have since changed companies (for totally different reasons) and I could only hope for the same kind of results if it happened again.