What To Do When Your Home Insurance Company Won't Pay? 
An insurance policy is a legal contract . The company is one of the parties of the contract and the insured -LRB- you -RRB- are the other part . You both have responsibilities under the policy . If the company does not perform as they have contracted you have a cause of action in a court of law . There may be steps to take before filing a lawsuit but that is your ultimate recourse . 