Well. There is no negative scoring. Where do I begin. Home Depot uses Sedgwick to their detriment. When you call the number you most always get an answering service. That service takes your message and says someone will return the call within 48 hours. After 6 calls and messages left no return calls were made. What a shocker. They then hire a half rated 3rd party who could barely tie his shoe to estimate the damage Home Depot incurred to my house when delivering a refrigerator. I had decent estimates. But they wanted to use their paid off 3rd party for the estimate. After the 3rd party made the estimate less than 30% of actual costs they refused to go up any. I am going to have to Sue the Home Depot, the 3rd party reviewer and the Sedgwick to get my repairs completed .