What To Do When Your Home Insurance Company Won't Pay? 
When you purchase your Homeowners ' Insurance , read it over carefully and discuss the terms and conditions of your contract with your Insurance Professional . That way you have a better understanding of what is covered and what is not . If the contract indicates that there sould be coverage for your loss , and your company denies the claim , you can certainly discuss the situation and get a clearer understanding as to why . If you feel their decision is in error , you can always file a report with the state Insurance Department who will investigate the claim and disposition on your behalf . 