"Charles T. Low" wrote in message

.....Threaten to involve your lawyer -
for a hundred bucks, he/she may even write a short preliminary letter.

Insurance companies are bullies, they always try not to pay, but often
back
down quite easily if pushed -

Charles, I'm sure there are some cases that play out as you describe. On
the other hand, all the lawyers in the world won't make an insurer pay for a
non-covered loss. It is the responsibility of the insured to read the
policy, and to know what is and isn't covered.