You should speak with an attorney before you talk to an insurance company. The sooner you have a legal professional on your side, the harder it is for insurance representatives to take advantage of your situation.
Insurance companies are businesses first and foremost. Their job is to make a profit. Paying out on your legitimate claims cuts into those profits. Regardless of the fact that they are contractually obligated to issue the coverage you’ve paid for (if dealing with first party coverage), they will try to find a loophole out of the agreement. One way to do that is to lowball you and hope that you’ll agree to accept less than what you deserve and are entitled to receive.