Answer: Easy to invoke and collect
Step-by-step explanation:
To make claims on services and get paid can be a stressful journey sometimes. As most organization would require you provide much evidence for the claims you are making. What makes it more stressful is the number of organizations involved to make the claims a success, this is why most times they are not easy to invoke and reclaim. Most persons would rather bear the loss than go through the process. This is what Shelly has to consider while making her claim.