Yeah, you have to fight for every penny owed after something that is covered, dont ever sign paperwork without a lawyer after say a house fire or they will screw you over big time. We had house fire and thankfully I was too upset to sign anything on the evening it happened (and they certainly did try to get me to sign, I just kept refusing) and because of that, we got the best we could out of it in the end instead of the crap they wanted to give us. If they can get away with not giving you back money for your losses they will use it they tried very hard to blame it on the kid playing with lighter since they found a lighter up on top of our entertainment center (where a 5yrld could not even reach if he tried and he was terrified of lighters anyway), ended up it was one of those stupid stand up lamps, bulb blew and caught couch on fire but, even finding the real cause was a pain for us, we had to keep insisting to keep looking. It was crazy.