have not had any issues. they paid, no questions asked, on a recent hail damaged roof. they did send an inspector out but he was on site for like 10 minutes.
my neighbor next door had to basically swear on the bible to his insurance company that everything was true and valid. and he was back and forth for 2 weeks with his company before he got any repair money.
yes they cost more but not sure if "going cheap" is the answer either