Every, literally every contact with Ski Safe has been phenomenal. I had a lightening strike in the water near my boat last year. Their adjuster was on top of things right away and I got reimbursed. I just finishing raising my liability and they were there to offer advise and help me select my best option. I ended up using Ski Safe but they suggested I consider my homeowners insurance as an option even though they made no money on that. I cannot recommend them more!