This company is pure evil..they make money off the consumer by giving you the run around for months then denying your claim. Steve Rizzo does not even have the guts to call you by phone and is always "out of the office" and his stupervisor Dawn Grant can't even return phone calls. This company teaches it's employees how to legally scam the consumer and deny claims. And shame on the big companies that hire this company to handle their claims. I will never shop at Harris Teeter again and will advise everyone I come in contact with not to shop there as well. I broke a tooth on a gravel like substance in crunchy peanut butter that Harris Teeter put their label on. Don't ever expect Harris Teeter to stand behind their product. This is the problem with our world today: corporate greed, they don't care about the consumer, just about lining their pockets. After seeing all the horrible reviews about Sedgwick, I don't know how this corrupt company stays in business. This is an absolutely horrible, awful, corrupt company but they don't care..they can't even produce evidence of why they are denying your claim..they just deny it. If you read the reviews for this place, they are all the same...horrible..no one has a good word to say about them.