Having insurance should give you the peace of mind that you will receive financial security in case of property damage, disability or loss of a family member. However, you may find that when the time comes to file a claim, you will not receive the coverage you expected.
Insurance applications can be tedious and tiresome. However, they are necessary — and unfortunately, many people lie on them.
If you get a denial from a homeowners insurance claim, you might want to call your agent and chew them out or even worse. Do not take a denial personally. It was a business decision by the insurance company. You have to approach the denial with a different attitude.