Mother nature is a force to deal with, but feel safe because you have insurance AMI ( American Modern Insurance) coverage on your home. I received hail damage three years in a row and now that American Modern Insurance sent me a Non renewal notice on my policy. Apparently I'm suppose to live with quarter size hail damage to siding, torn window screens and damage to my roof and not to file the claim against AMERICAN MODERN INSURNACE. My deductible was raised from $500.00 to $ 1000. 00 on the second hail damage and now have sent me a Non renewal notice and will no longer allow me to continue to insurance my house through AMI. If you are looking for an insurance carrier for your home... DO NOT CONTACT AMERICAN MODERN INSURANCE and please read the clients reviews on this company before you proceed any further with this company and the insurance AMI provides to their clients. Heaven help you if you have to file claims against this company that is entirely out of your control when Mother Nature damages your home, YOU WILL BE CANCELED!