Due to worldwide catastrophic weather-events, insurance companies have reduced payouts by limiting coverages while raising premiums and deductibles.  Adding new policy conditions and exclusions is just the beginning of what is to come in the insurance industry.  Carriers distanced themselves from insurance regulators by hiring independently licensed agents to represent their interests.  These agents interpret your statements and claim information to work to their advantage and affect your claim benefits. Don’t make the mistake of going it alone if you suffered a large loss.