You purchased your homeowners insurance policy with the understanding that your insurance company would act in good faith in the event that something happened. Now, the time has come for you to put your policy to use and you find that the insurance company has delayed, underpaid or flat-out denied your claim. Your insurer seems to have no interest in fulfilling its obligations to you. What do you do now?
Here's how homeowners insurance policies are supposed to work: The homeowner pays the premiums for the agreed-upon coverage. If a covered event occurs and the home is damaged, the insurance company pays out. After the matter is resolved, the homeowner continues to pay premiums and the insurer continues to provide coverage.