Generally, this is where the insurance company wrongfully denied insurance coverage. Common examples include low-balling you on the value of insurance benefits, calling a short-term water leak a long term water leak in order to deny the claim, denying the claim without any evidence to support the denial, calling hail damage ordinary wear and tear, trying to reduce the scope of the job covered by insurance, and trying to trick you into using the insurance company’s “preferred vendors” to do the repairs on the cheap for the benefit of the insurance company.