When carriers don't pay claims, suits get filed. When suits get filed, insureds are subject to every possible penalty just to access coverage for a contractual right paid for via premium (i.e. third-degree felony, perjury, misrepresentation, and assertions of fraud). The contrary persepctive being contractors and insureds submitting unsupported claims that the facts could never support. Ultimately, properties are insured and premiums are set based on the condition of a property. The insurer/insured relation must be centered around the inception of the policy via inspections/four-point, wind mit, and the contractual obligation of each to comply with terms.
When carriers don't pay claims, suits get filed. When suits get filed, insureds are subject to every possible penalty just to access coverage for a contractual right paid for via premium (i.e. third-degree felony, perjury, misrepresentation, and assertions of fraud). The contrary persepctive being contractors and insureds submitting unsupported claims that the facts could never support. Ultimately, properties are insured and premiums are set based on the condition of a property. The insurer/insured relation must be centered around the inception of the policy via inspections/four-point, wind mit, and the contractual obligation of each to comply with terms.