Our lake home burned down 205 days ago (the neighbors burned it down while we were away). We have replacement coverage but have been battling AOI for many months. They don't readily supply information or responses. AOI refuses to accept that to rebuild "LIke & Kind" (their words) will cost more than they want to spend. I am even willing to use the contractor they reached out to rather than ours (who built it originally). They do not work well or play well with others. Definitely do not use them as my wife and I have experienced their insensitive, unwillingness to supply and uphold their end of the contract and provide the insurance we have paid for. read more