It is an experience with which far too many homeowners are familiar: you make a home insurance claim, trusting that your insurer will honor it. You feel secure in the knowledge that you have diligently paid your monthly premiums for years, and never made a claim. You trust that your insurance company will be on your side and prepared to pay you exactly what you deserve. Why wouldn’t they cover your home repair costs, exactly as they promised to do when you bought the coverage? Then the answer comes back from the insurance company’s agent: they will only cover a certain percentage of your damages or are denying the claim entirely.
Unfortunately, this kind of scenario isn’t exceptional. Insurance companies routinely underpay or deny claims as a way to maintain their profits. To make matters worse, they often don’t even do it in an obvious way. Denying your claim is one thing; subtly undercutting your claim so as to placate you while reducing their liability is something else entirely. Whether your insurer underpays you by 10 percent or responds with a flat refusal, you can and must get what you deserve.