That is one issue. What's worse is that by our estimation there are hundreds or even thousands of unsettled claims. Whenever there is a dispute their claims department tends to stop replying and then there is no recourse.

This is a serious problem and one that we will try to rectify. It is not just or fair that their business has the final say or right to ignore claims at will. They are running a traditional business and not a DAO and need to be held accountable for faults that occur on their side.