Most insurance companies are easy to deal with on simple small one time claims, the issues come in when there are major losses or injuries envoled.
Or when things are questionable, this is the time when you need to bring in an attorney.
A friend I know had his out board motor stolen off a fishing boat in only 5 minutes while at a fast food joint and the insurance company denied the claim as it sounded fishy to them, but it was a valid claim. My friend didn't bother using an attorney and just wrote it off. But it taken to court they would have to pay up.
You will find this tactic used during muliple fault auto claims and during a lot of home damage claims, to deny them or stone wall the client.
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