I had never reached my deductible for several years, but finally filed a claim higher than my deductible in July 2014. The claims representative sent me a summary of the claims filed prior to meeting the deductible so I did not have to research my own files to see what payment would be forthcoming. That was very helpful. The claim notification and supporting claims review process is clear and easy to understand, and fast too. Only a few days from receipt to final review. Emails received during each step of the process. Very satisfied.