Insurance companies collect tens of billions of dollars each year on homeowner policies alone. The cost of your coverage and your prompt payments lead to the assumption that when you need them, your insurance provider is going to step up and pay your claim.
While that would be a reasonable expectation, it is often a misconception. Insurance companies profit from your premiums, and increase their revenue by rejecting claims outright, or partially paying for the damage your home endured because they can.
Insurance company representatives have the power of a large corporation, bureaucracy, and in-house attorneys behind them 24/7 that are no match for the average consumer.
The small print of your policy and the paperwork necessary to appease the insurance company claim processes is overwhelming and exhausting, which is exactly how they want it. You will tire of fighting before they do. And they are counting on that being the case.