psionl0
Skeptical about skeptics
Heh it depends on the insurance company.This is not my experience at all. Provided you have evidence of loss and damage and the claim meets the conditions of the policy, you will get paid.
When a backyard fence blew down on a boundary between my home and my neighbours, my local insurance company settled my half of the cost over the phone (and paid extra upon being given a bona fide quote for the repair). However, the other owner had a devil of a time with his insurance company who really played hard ball. They tried to claim that the storms at the time weren't big enough to knock down a fence then they even claimed that they inspected the fence and found "no significant damage" (a total lie). I believe that the owner eventually had to pay his share of the damage out of his own pocket.