I'll second the recommendation of Progressive. When our Catalina was totaled in Hurricane Sandy, they had a surveyor out within a week or two of the marina being "reopened" (or at least safe to enter). It took them a few weeks to process the payment, but nothing unreasonable. The storm hit in October and I think we were paid by December or January. When you consider that they couldn't get to see the boat until mid-November, and the incredible number of boats that were damaged, I don't think that's bad.