can't hurt to try. I split off my Cat from Allstate and got a reasonable agreed value (but not as much as I wanted without having to go deeper with evidence, etc.), and to my pleasant surprise, they took my brand new Scat right out of the box at my total purchase price out the door - no questions asked. Pleased with them so far - in second year with them, and I reduced my gap risk exposure on the Cat some for less than I was paying Allstate.