My HTT was stolen a few years ago and I had to file a claim with Progressive. We were extremely fortunate that our trailer was recovered minus the battery, microwave, radio and most personal effects that we stored in the trailer. Now I don't have anything that cost much over $150 stored in there. Most expensive were the sleeping bags that we had just put in there for the hunting trip we were leaving on in 3 days. We had a check in hand 3 days after recovery for the towing, the dealer had a check in hand within 1 week to replace the missing items and I had a check in hand for my personal effects in the same timeframe. We had the trailer ready to camp within 4 weeks. I have no complaints with Progressive and will recommend them to anyone. Maybe check with your vehicle or homeowner insurance to see if they cover the more expensive items? I know, not a response to your feeling that they are "scamming" you, but I know from experience that they will work with you.