When making an insurance claim, you are generally very stressed and nervous, worrying not only about the outcome but as to how long it will take to settle. Also, in the event of a serious flood or fire, you're also very concerned as to the effect this will have on your family's well-being. You have every right to expect your insurer to honour their contract with you to make things as easy as possible to get your life back to normal. Your insurance policy contains Terms, Conditions, Policy Endorsements and Exclusions which are all open to interpretation and often misinterpretation. You cannot confidently claim to understand the entire policy wording, and you do not know how the insurance company are likely to respond to your claim. Why should you?....You're not an insurance claims expert.