Insurances - regardless what service they offer, have to work with their customers. If they deny service to a customer, they have to bring specifics with reasoning for that. Don’t be generic, but specific. This way, customer knows what is going on.
As far as Russell said, if I was an insurance agent, I would probably be cautious about the claim; yet I will still do my best to provide the best customer service. Everyone should know that we, consumers - are the BOSSes. Businesses don’t like it, find consumers that don’t know what they pay for, and stick with them. I am not going to allow this for my family. I count every cent of our income, and do well so far.
Also, this is my fear with being insured. We pay so much money for decades, and when we need the insurances services, they are not there for us. They are quick to drop off. Maybe it’s time for insurances to no longer have the right to kick us out without a good reason.
So far, Geico was the best for 2-3 claims I had with them for my cars. Unfortunately, they don’t offer home insurances (unless you deal with 3rd party vendors). They were always there for me. I don’t have them now, but from my experiences - they covered me every time without any questions. Great customer service, ... AllState, Arizona Home insurance were both having problems covering my home. Allstate eventually paid for the claim, but then increased my home insurance 400%. I switched to another insurer. Arizona Home Insurance were not there for me when my house had damage done by nature. They didn’t want to cover anything. That’s why I no longer do business with them! Forever they are gone from my life.