You can try whatever you want when it comes to receiving liability/fire insurance compensation for claimed damages...you can cry and jump up and down and jump through all the hoops they want you to jump through..but if they can find a way NOT to pay they will NOT PAY..PERIOD....an agent will say whatever he has to say to get his commission.
Once again Chas*e, you've demonstrated your complete ignorance and lack of knowledge. Insurance brokers are the ones who make commission. They sell insurance. Claims adjusters handle claims. They are paid salary, not commission. Adjusters make the same amount whether they payout or deny a claim. Their job is in no way to "screw you". Their job is to reach a fair settlement. If you try to screw us, we will win. But otherwise claims are usually settled fairly.Your broker has no say at all. Brokers do not work for the insurance company. They get paid for sales, not low claim records. Adjusters DO NOT look for a way not to pay, but they also investigate questionable claims.
In fact, as a Claims Audit Analyst, I participate in claims reviews regularily. In a recent study, we found a few files that we felt were underpaid for various reasons (out of several hundred). We immediately sent the insureds cheques (for a total of a few thousand $$) for what we felt was fair. These claims were all closed for a long period of time. The insureds were in no way expecting OR requesting any money for us. So, Chas*e, if that's thievery, sign me up to be a victim.
When it comes down to it, you are probably bitter because you tried to inflate a claim and got denied. Either that, or you are just one of those paranoid people who believes that everyone is out to get them. Either way, nobody needs to hear your constant senseless babbling. You don't know what you're talking about. Period.
Spend some time looking at Claims Satisfation Ratings and you'll quickly realize that most people who have filed claims in Canada and happy with their settlements.
Oh and by the way, there is no such thing as liability/fire insurance. They are two seperate lines. Do you even understand the definition of "liability"? Obviously not, so here you go:
liability: The state of being liable
liable: Bound or obliged in law or equity; *responsible; answerable*; as, the surety is liable for the debt of his principal.
What does that have to do with a fire in your own home. Liability applies to damage you cause to others. Once again - you have no clue at all.