Its been almost a year now - My home still has no heat after my radiator exploded from a mechanical failure (pressure relief valve not working on boiler heat system). In March 2006 - it wasn't even below freezing from March 21, to March 30th (when my radiator exploded ON mARCH 30TH - there was even day when it was in the 70 degrees. Badger Mutual Insurance went thru a list of ways not to pay and are still stuck on that it was my fault the boiler had a mechanical failure (and keep claiming that I failed to maintain heat "in the building' - however, the downstairs boiler worked fine and therefore the heat was fine downstair with no damage. IF i failed to 'maintain heat in the building " the downstairs system would of had damage too. This insurance company is such a scammer - they have a monopoly with my agent Petrovic Insurance Agency that also used to work at Badger Mutual Insurance and RGA insurances adjuster (that also used to work for Badger Mutual) what a bunch of scammers - I can't even live in my own house because I can't afford to fix the system since the rest of the radiators cracked and froze the beginning of April when there was a few day COLD SNAP -I had estimates over $16, 000.00.