This is a sensitive topic. I am starting to see more insurance companies hiring adjusters, lawyers and accountants to reduce the amount of claims paid. If a lawyer hired by your insurance company can find a way to get out of paying a claim, they will use it -so it is important to do what it takes to ensure that if there was a fire or damage, the insurance company cannot get out of a claim.
Remember, the insurance company is in the business of collecting premiums, not paying claims