Insurance is a valuable tool, and almost all of us need it at one time or another. When disaster strikes and your insurance coverage is needed, can you count on your insurance company to honor its policy and pay what is owed? No matter whether the damage was caused by fire, hail, wind, water, or otherwise, prompt and accurate payment by your insurance company is critical to get you or your business back to normal. For some policyholders, that means rebuilding or making repairs to a home. For others, it means reopening the doors of a business. Either way, at that dark moment, we all must rely on insurance companies to honor their obligations.